As explained earlier, the first category best suits authors who have little or no familiarity with publishing, but the service provider needs be chosen carefully to avoid excessive expense for limited return. (authorsguild.org)
However, most ETFs still have excessive expense ratios and carry the heavy added burden of brokerage trading fees. (financialplannerpasadena.com)
Financial problems are often due to budget (income statement) issues, either caused by excessive expenses or too little income. (money.stackexchange.com)