Catching Up With Your Questions

There you will find that the companies have to tell you some things such as:

 Whether there's a minimum purchase obligation.

How and when you can cancel your membership.

How many announcements and rejection forms you'll receive each year, and how often you'll receive them.

How to reject merchandise.

Personally, I say just reject negative option plans.

Time for a Raise

Have you been scared to ask for a raise?

Well some recent economic data might be just want you needed to get an income boost.

Neil Irwin recently reported ("In Demand and in Command: The Job Market's Latest Seesaw Pays Off for Applicants") that the market for U.S. workers is tightening. If this trend continues, it could lead to wage growth, which would be welcome news for workers who have seen scant raises in recent years.

"People with specialized skills in accounting, information technology or nursing can demand bigger raises," Gregory Netland, chief executive of staffing firm Vedior North America, told Irwin.

Ah, but "workers with fewer skills are seeing more modest raises," Netland said.

Too Much of a Good Thing

You've got the basics: a term-life policy, comprehensive health policy, disability coverage, and homeowners and auto insurance, but what about accidental-death insurance or identity-theft insurance? Don't you need more than the basics?

According to http://www.consumerreports.org/, the basics are all you need. Any more and you could end up paying way too much for something that could already be covered with one of your basic insurance policies.

That accidental-death insurance could run about $600 a year, but you're already covered if you have a term-life policy that will guarantee coverage regardless of the cause of debt.