Spending choices that offer most bang for your buck

Rather than simply cut back on dinners out or trips to the mall, think instead about how to spend more meaningfully.  
The goal in retirement is to organize investments in such a way that they generate income of roughly 5 percent per year and still gain in value overall to keep pace with inflation. This is not that difficult.  
 
Damian Dovarganes
In ways large and small, plummeting oil prices are now reverberating through businesses, towns, schools and family budgets, causing confusion and changing plans.  
 
The milk industry is fed up with all the sourness over dairy. As Americans continue turning away from milk, an industry group is pushing back at its critics with a social media campaign trumpeting the benefits of milk.  
 
Chinese restaurant chain keeps evolving with time  
 
Some McDonald's workers who say they were fired because of their race are suing the fast-food giant, accusing it of dodging responsibility for the discrimination and harassment they say they endured.  
 
 
(Photo by Evan Agostini/Invision/AP, File)
Joan Rivers' daughter files suit over mother's death

Melissa Rivers alleges a New York clinic made numerous mistakes and showed lapses in judgment during a routine procedure that ended in the death of tghe comedic legend.