Also you're then making a tradeoff between time and money. Do you want to spend hours calling and faxing various places to save $50 on a bill? The people on th

Also you're then making a tradeoff between time and money. Do you want to spend hours calling and faxing various places to save $50 on a bill? The people on the other end of the line are getting paid to talk to you, they'll happily talk to you for hours. But you have other things to do.