“If you’re not paying for something, you’re not the customer; you’re the product being sold”.

Google search is free, but keep in mind that when you’re not paying with cash you’re paying with your personal information.

Charles Schwab recently rolled out commission-free trading, yet the majority of Schwab’s revenue comes from your idle cash – they pay you peanuts in interest and lend your cash out at a higher rate.

Paying a fee should ensure the transfer of value and combat such conflicts of interest.

Bottom line – be skeptical of “free” products; you are paying for it somehow!