The Survive and Thrive Boomer Guide

AT&T to pay $60 million to settle FTC charges it ‘throttled’ customers with ‘unlimited’ data plans

Photo: Luismt94

AT&T will pay $60 million to settle a Federal Trade Commission lawsuit over allegations that the wireless provider misled millions of its smartphone customers by charging them for “unlimited” data plans while reducing their data speeds.

In a lawsuit filed in 2014, the FTC alleged that AT&T failed to tell its unlimited data plan customers that, if they reach a certain amount of data use in a billing cycle, AT&T would reduce – or “throttle” – their data speeds. As a result, many mobile phone applications, such as web browsing and video streaming, became difficult or nearly impossible to use.

“AT&T promised unlimited data – without qualification – and failed to deliver on that promise,” said Andrew Smith, director of the FTC’s Bureau of Consumer Protection. “While it seems obvious, it bears repeating that Internet providers must tell people about any restrictions on the speed or amount of data promised.”

Happy Halloween

Just a few hours now until ghosts, goblins, and witches come knocking on your door.

Will you be one of 76 percent or less of Americans spending $50 or less on Halloween this year? One of 32 percent throwing or attending a party? One of 44 percent carving a pumpkin? One of 49 percent decorating their home? One of 47 percent dressing in a costume?

Americans will spent $3.2 billion on costumes this Halloween. Princess, superhero, and witch are the most popular costumes for children, while its witch and vampire for adults. For pets, its pumpkin, hot dog, superhero, and bumble bee.

For more details on today’s fun day, see “Facts and Figures for Halloween 2019.”

Whatever your plans, I hope you have good time. And, make sure those little ones are safe as they make their rounds. Happy Halloween.

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

Facts and figures for Halloween 2019

Source: WalletHub

 

Copyright 2019, Rita R. Robison, Consumer and Personal Finance Journalist

Don't be pressured into buying or switching to a Medicare Advantage plan during open enrollment

It’s that time of year again. Advertisements for Medicare Advantage plans are flooding my mailbox and email. I’m even getting phone calls about the plans. And, every time I turn on the TV, there’s another ad about Medicare advantage, with infomercials to be tolerated, too.

From Oct. 15 to Dec. 7, people on Medicare can:

• Switch from Original Medicare to a Medicare Advantage plan or vice versa.
• Join, drop, or switch a Part D prescription drug plan if they are on Original Medicare.
• Switch to a different Medicare Advantage plan if they are already on one.

Baby boomers ponder big challenges and everyday issues

It’s been raining, raining, raining here in the Seattle area. And, in September, which often gives us some more summer weather, we got rain instead. I wonder if the bad weather today caused a crash of four semi-trucks that closed Interstate 5 south of Olympia for nine to 11 hours.

During the bad weather, I’ve been inside working on my book, “Follow the Money: The Life of a Financial Journalist,” in addition to writing blog articles.

Meanwhile, my boomer blogger friends are writing about big challenges and everyday issues:

At AutoNation, 1 in 9 used cars have unrepaired safety recalls, consumer groups say

AutoNation, America’s largest auto retailer, is selling used vehicles with unrepaired safety recalls including explosive Takata airbags, faulty GM ignition switches, and defects with no fix available. “Unsafe Used Cars for Sale,” a report from the U.S. PIRG Education Fund and Consumers for Auto Reliability and Safety Foundation, found that one in nine cars for sale at AutoNation dealerships across the country have unrepaired defects that make them dangerous to drivers, passengers, and others on the roadways.

“By selling recalled cars with safety defects, AutoNation puts customers in danger before they even reach home,” said Adam Garber, consumer watchdog for the U.S. PIRG Education Fund. “The only way that AutoNation can ensure a ‘worry-free’ purchase is to repair every recalled vehicle before selling it.”

The survey found numerous unsafe cars among more than 2,400 vehicles analyzed at 28 dealerships in 12 states. The recalled vehicles had defects that could cause vehicles to stall in traffic, seat belts to fail, Takata air bags to propel metal fragments at passengers, cars to catch on fire, or steering to malfunction.

Top 10 tips for saving energy and money

The cold of fall is beginning to grip most areas of the country and winter will be here soon. If you’re thinking about your energy bills that go up every winter, it’s time to take action.

The U.S. Department of Energy estimates that the average household spends at least $2,200 on energy, and that at least half of that is for heating and cooling their home.

The Consumer Federation of America offers the following tips to help people reduce energy costs this winter and throughout the year:

What to look for in Columbus Day-Indigenous Peoples Day sales

Before Black Friday, Indigenous Peoples Day and Columbus Day sales are occurring, and some of them are worth shopping.

However, the last couple of years, DealNews, a comparison shopping website, has seen a downturn in Columbus Day-Indigenous Peoples Day sales. In 2018, it listed only 22 Columbus-Indigenous-branded sales between October 1 and October 13. However, within that same time frame, DealNews listed 161 sales total. Aside from the Columbus-Indigenous branding, it saw many clearance, friends and family, fall, and harvest events, and even a "Rediscover America" sale.

These alternate names could be due to the controversy surrounding Columbus Day, according to DealNews. However, it's also possible that many retailers don't want to add another sale to their lineup so close to Black Friday.

DealNews offers these tips for Columbus Day-Indigenous Peoples Day sales:

It’s worth it to call customer service for your credit card, but men have better results than women, study shows

Men are twice as likely as women to get a credit card annual fee waived, according to a WalletHub survey released Wednesday. The survey was conducted to learn about Americans’ experiences calling credit card customer service departments, and whether or not they found the process helpful.

Calling customer service can help solve problems and get cardholders better terms, but the experience isn’t the same for everyone. Below are results from WalletHub’s survey: 

Key findings

• Nearly one in two Americans would rather call their in-laws than their credit card company.
• Millennials are three times as likely as baby boomers to be denied a credit limit increase.
• Three in four consumers agree that calling customer service is worth it.
• Nearly one in five people have yelled at a customer service representative.

New information for those selecting a nursing home

By Brian O’Connell, Analyst, insuranceQuotes.com

Guest blogger

Finding the right nursing home for an elderly family member is a serious responsibility, and often a daunting task. But many Americans aren’t aware of the tools that the federal government provides to make the search smoother and more trustworthy.

The U.S. Center for Medicare and Medicaid Services rolled out its new Five-Star Quality Rating System in April, with the goal to help families compare local nursing homes and get key questions answered.

The CMS’s website rates nursing homes on a scale of one to five stars, taking into consideration three key areas: health inspections, staffing, and quality measures.