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Archive for the ‘Saving & Investing’ Category

Current High-Yield Online Savings Account Rates

Written by Nickel - 156 Comments

I frequently receive e-mails asking my opinion as to which online bank has the best high-yield savings account. I’ve used several online banks over the years for my emergency fund and look to a few factors in selecting a savings account: The interest rate (of course) Minimum deposit requirements Monthly maintenance fees The website and […]

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Published on January 13th, 2017 - 156 Comments
Filed under: Banking,Online,Saving & Investing
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Contribute to Your Roth IRA, Even if it Stretches Your Budget

Written by Nickel - 9 Comments

Your 2016 taxes are due in just over three months. That also means that you have just over three months left to make any 2016 IRA contributions that you might have been putting off. But what if you’ve neglected to contribute to an IRA because you’re not sure you can afford it? Maybe the only […]

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Published on January 10th, 2017 - 9 Comments
Filed under: Retirement,Saving & Investing,Taxes
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The Best Places to Invest for Retirement

Written by Nickel - 5 Comments

A reader named KC recently wrote in with a question about investing for retirement: I’m 28 years old with a wife and a six month old baby. We’ve always been money-conscious, but would really like to focus our efforts. We both have Roth IRAs, but are not satisfied with them. They are heavily loaded, and […]

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Published on December 29th, 2016
Modified on December 31st, 2016 - 5 Comments
Filed under: Retirement,Saving & Investing
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8 Ways to Save for Retirement in your 40s and 50s

Written by William Cowie - 15 Comments

I told the story elsewhere of how my wife and I woke up in our late 40s to a harsh realization: our investment cupboard was bare. We were not alone, though. In fact, millions of Americans in their 40s or 50s don’t have nearly enough money saved to retire. In a recent GAO survey, 29% […]

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Published on December 21st, 2016 - 15 Comments
Filed under: Retirement,Saving & Investing
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How to Use Up Your FSA Dollars Before You Lose Them

Written by Aliyyah Camp - Leave a Comment

Given that the year’s end is quickly approaching, a lot of you are likely making moves to get your finances in order before 2017. For those of you who have employer-sponsored health insurance plans, you may have contributed to a Flexible Spending Account (or FSA) in 2016. An FSA is a tax-advantaged account offered by […]

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Published on December 19th, 2016
Modified on December 27th, 2016 - Leave a Comment
Filed under: Consumer,Saving & Investing
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How to Calculate Your Personal Savings Rate

Written by Aliyyah Camp - 2 Comments

Savings is a huge part of personal finance. In general, you can always do two things to improve your financial situation: save more and earn more. Although earning more is a lofty goal, income is never guaranteed. But if you have solid savings and have established good spending habits, you can pretty much live on […]

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Published on November 28th, 2016
Modified on December 3rd, 2016 - 2 Comments
Filed under: Money Q&A,Saving & Investing
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The Four Types of Savings Accounts That Everyone Should Have

Written by Aliyyah Camp - Leave a Comment

When it comes to finances, it’s important to be organized. Organization keeps you on track with your goals, makes it easier to budget, and helps you stay sane during tax time. One part of your finances that can messy,  if not organized properly, is your savings. With so many different things to set money aside […]

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Published on November 9th, 2016 - Leave a Comment
Filed under: Banking,Saving & Investing
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How to Refinance Your Car Loan

Written by Aliyyah Camp - Leave a Comment

More and more people are deciding to finance the purchase of their cars. According a study conducted by Experian, 84.9% of new cars were purchased with financing in 2015. In 2016, that number rose to 86.3%. To further demonstrate the increasing amount of auto debt we’re in, the study found that the average loan amount […]

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Published on November 2nd, 2016 - Leave a Comment
Filed under: Automotive,Saving & Investing
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Depending on stock returns to fund your retirement? Think again

Written by Richard Barrington - 12 Comments

How worried should I be? That’s a question financial people get a lot when the market is as unstable as it has been over the past several weeks. Actually, it’s a question we ask ourselves in those environments. Having both asked and answered that question several times recently, let me share some of the answers […]

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Published on October 6th, 2015
Modified on September 24th, 2015 - 12 Comments
Filed under: Economy,Retirement,Saving & Investing
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7 bad things about low interest rates

Written by Richard Barrington - 3 Comments

If you have been able to buy a house or refinance a mortgage in recent years, then congratulations. You have been a beneficiary of the Fed’s extraordinary effort to keep interest rates low. For many others though, monetary policy hasn’t been so favorable — in fact, it has cost them dearly. Ostensibly, low interest rates […]

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Published on August 31st, 2015 - 3 Comments
Filed under: Banking,Saving & Investing
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