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Advanced Investment Strategies for Certificates of Deposit, Money Market Accounts, Savings Accounts, Checking Accounts and other investments

5 reasons why CDs are perfect for low risk investors

By Richard Barrington | Money Rates Columnist | August 14, 2015

CDs are perfect for low risk investors because they offer a guarantee of principal along with a fixed interest rate and predictable cash flow.

What You Should Know About CD Rates Today

By Richard Barrington | Money Rates Columnist | October 16, 2014

Understanding these things about today's CD rates can boost the interest you earn on your savings.

Anticipating When Bank Rates Will Climb

By Richard Barrington | Money Rates Columnist | July 16, 2014

It's been a long time since interest rates rose, but these pressures could be what finally pushes them upward.

How Inflation Impacts Retirement Planning

By Richard Barrington | Money Rates Columnist | June 25, 2014

Inflation may be relatively mild today, but even a minor acceleration in price increases could profoundly affect your retirement planning.

Comparing CD Rates and Bond Rates

By Richard Barrington | Money Rates Columnist | June 12, 2014

Both Treasury bonds and CDs can be safe sources of income, but the length of your investment may determine which is the better choice.

Why Variable-Rate CDs Aren't Always a Good Deal

By Richard Barrington | Money Rates Columnist | May 28, 2014

Variable-rate CDs can offer savers some intriguing options, but not always at a favorable price.

8 Common Investment Mistakes

By Richard Barrington | Money Rates Columnist | April 2, 2014

Investors make these mistakes all the time, but there's no reason you should.

Why You Should Watch CDs as Interest Rates Rise

By Richard Barrington | Money Rates Columnist | February 5, 2014

Investing isn't always easy when interest rates are climbing, but knowing which areas to watch can help.

Considering Indexed and Raise-Your-Rate CDs

By Richard Barrington | Money Rates Columnist | September 3, 2013

Indexed and raise-your-rate CDs have their own risks, but does today's low-interest-rate environment make them worth considering?

CD Rates: A Good Defense Against Inflation

By Richard Barrington | Money Rates Columnist | July 31, 2013

While gold has been the best overall inflation hedge in recent years, another investment has been more reliable during rising prices.

Will Rising Interest Rates Revive CDs in 2014?

By Richard Barrington | Money Rates Columnist | July 8, 2013

After years of dismal yields, a rising rate environment would bring a new dynamic to choosing CDs.

CD Ladders: Ready for a Comeback?

By Richard Barrington | Money Rates Columnist | May 29, 2013

Collapsing rate spreads have diminished the appeal of CD ladders in recent years, but a recent turn in the bond market could help laddering stage a comeback.

The Trouble With Hedge Funds

By Richard Barrington | Money Rates Columnist | January 9, 2013

Hedge funds have a somewhat exotic appeal, but they often fail to deliver on their promise.

Saving for Retirement: 5 Hard Facts

By Richard Barrington | Money Rates Columnist | January 2, 2013

The reality of retirement saving isn't pretty today, but acknowledging these truths can help you prepare more effectively.

4 Recent CD Changes To Note

By Richard Barrington | Money Rates Columnist | January 12, 2012

CD interest rates have undergone four significant changes in the past year, but none of them is likely to delight depositors.

How to Prepare for a Fed Rate Hike

By Richard Barrington | Money Rates Columnist | April 9, 2015

Preparing your finances in advance of any Fed announcements can help you avoid being caught flat-footed when rates finally climb.

9 'Players' You Need for a Well-Rounded Portfolio

By Richard Barrington | Money Rates Columnist | April 1, 2015

Want a portfolio that will perform from its opening day? Then consider incorporating these key elements.

Why It's OK to Favor US-Based Stocks

By Richard Barrington | Money Rates Columnist | March 23, 2015

International investing can be a good thing, but there are also valid reasons for maintaining a heavier weighting toward U.S.-based stocks.

Asset Allocation: 7 Rules to Follow

By Richard Barrington | Money Rates Columnist | March 18, 2015

Asset allocation is a tricky decision and one you can't avoid, so it's wise to be well-informed on the topic.

Shareholder Rights: How Corporate Governance Affects Your Shares

By Richard Barrington | Money Rates Columnist | February 25, 2015

Passive investors should take a cue from Wall Street's sharks and lions in recognizing the impact corporate governance can have on share value.

Why Recent Market Volatility Shouldn't Necessarily Worry You

By Richard Barrington | Money Rates Columnist | February 20, 2015

As unsettling as recent market volatility might be, a longer-term perspective suggests investors don't necessarily have to worry.

Research Shows Popular Stocks Often Underperform

By Richard Barrington | Money Rates Columnist | February 4, 2015

Recent research finds that stocks with the highest turnover tend to also have the lowest future returns.

Falling Oil Prices: There Is a Downside

By Richard Barrington | Money Rates Columnist | January 21, 2015

Lower oil prices have some obvious benefits for the U.S., but they could also bring some problems -- especially as the drop becomes more extreme.

Income Investing: 6 Major Options

By Richard Barrington | Money Rates Columnist | January 15, 2015

Here are some of the pluses and minuses of a variety of today's income-producing investment options.

4 Investment Principles That Mirror Management Principles

By Richard Barrington | Money Rates Columnist | January 9, 2015

Managerial responsibilities may seem miles away from investment decisions, but your personal business experience can be an asset in managing stocks.

The Importance of Spotting Stock Market Losers

By Richard Barrington | Money Rates Columnist | January 5, 2015

Addition-by-subtraction can be a good way of earning above-average investment performance.

Peer-to-Peer (P2P) Lending: A Good Investment?

By Richard Barrington | Money Rates Columnist | December 9, 2014

Peer-to-peer (P2P) lending is growing rapidly in popularity, but the marketplace does not yet fully recognize the risks.

When a Company Buys Back Shares, Investors Should Consider Selling

By Richard Barrington | Money Rates Columnist | December 5, 2014

A boom in share buybacks raises some questions that shareholders of the company need to ask.

Bank Accounts vs. Bonds: Which Yields Are Better Today?

By Richard Barrington | Money Rates Columnist | November 19, 2014

Interest income remains relatively scarce among these vehicles, but that doesn't mean your portfolio should be without them.

Why the 2014 Election Should Encourage Investors

By Richard Barrington | Money Rates Columnist | November 12, 2014

If stock market history repeats itself, the outcome of last week's election is great news for investors.

How to plan for retirement when unsure about your future life expectancy

By Richard Barrington | Money Rates Columnist | August 13, 2015

Read about how uncertainty impacts various methods of planning retirement spending.

3 reasons why automatic 401(k) enrollment may not be enough for retirement saving

By Richard Barrington | Money Rates Columnist | August 10, 2015

While automatic enrollment helps 401(k) plans, there are ways it still comes up short for retirement saving.

Negative Interest Rates Could Pose Problems for Investors, Consumers

By Richard Barrington | Money Rates Columnist | March 11, 2015

Negative interest rates are an extreme measure intended to stimulate Europe's economy, but they could cause more trouble than it is worth.

Should Your Retirement Goal Be to Die Broke?

By Richard Barrington | Money Rates Columnist | February 11, 2015

A controversial new retirement planning approach is geared toward leaving no savings unspent, but there are several problems with this strategy.

Should You Fire Your Bank in 2015?

By Richard Barrington | Money Rates Columnist | February 3, 2015

People are often slow to change banks even when they are unhappy, but there are good reasons to shop around this year.

Why You Should Save More in 2015

By Richard Barrington | Money Rates Columnist | January 27, 2015

2015 is shaping up to be an especially favorable time to save more money. Learn why.

Bank Bonuses: How to Approach Them

By Richard Barrington | Money Rates Columnist | January 8, 2015

Bank sign-up bonuses can be enticing, but the devil is often in the details. See how a new offer from Ally Bank stacks up.

Lessons From a Hockey Star's Bankruptcy

By Richard Barrington | Money Rates Columnist | December 30, 2014

The financial troubles of this highly paid hockey standout offer some warnings to the wise.

Retirement Plans: How Faulty Assumptions Derail Them

By Richard Barrington | Money Rates Columnist | December 17, 2014

These simple errors can cause your retirement savings to fall drastically short of your needs.

Financial Fears: How to Overcome Them

By Richard Barrington | Money Rates Columnist | November 7, 2014

The fear of running out of money is not a pleasant companion, but that doesn't mean you should flee it.

6 Money Lessons for Both Boys and Girls

By Richard Barrington | Money Rates Columnist | September 3, 2014

Recent studies indicate that girls are getting shortchanged on financial education, but these lessons can help them -- and boys -- get a firm grip on money concepts.

Retirement Planning: Why 'When' Is More Important Than 'If'

By Richard Barrington | Money Rates Columnist | July 9, 2014

When planning an exit from the workforce, the key question shouldn't be if you can do it -- it should be when.

Measuring the ROI of an Education

By Richard Barrington | Money Rates Columnist | May 22, 2014

At its core, education is an investment. Here's how you can assess its return in advance.

6 Essential Savings Efforts: When to Start

By Richard Barrington | Money Rates Columnist | May 7, 2014

Virtually everyone needs these types of savings funds, and here are the best times to start them.

Comparing Taxes on Traditional IRAs and Roth IRAs

By Richard Barrington | Money Rates Columnist | April 30, 2014

Both traditional and Roth IRAs have advantages and limitations when it comes to taxes. Learn how to address the tax liabilities of these vehicles wisely.

Why You Should Rethink Your Bank Today

By Richard Barrington | Money Rates Columnist | May 5, 2014

Banking has changed over time, and it's likely your banking needs have too. Here's why you may want to reconsider where you're at today.

Best Banks in America 2013: Time to Switch?

By Ollie Geiger | Money Rates Columnist | November 12, 2013

MONEY Magazine has announced its top banks for 2013, but are these institutions good enough to attract your business?

Is Your Teen Immature About Money?

By Naomi Mannino | Money Rates Columnist | August 28, 2013

If your son or daughter displays these signs, some remedial financial education may be in order -- fast.

Examining Walmart's Bluebird Prepaid Debit Card

By Richard Barrington | Money Rates Columnist | November 2, 2012

Walmart's Bluebird prepaid debit card is a very competitive product, but there are some inherent drawbacks to using any prepaid card.

TCF Drops Overdraft Fees in Favor of a Single Daily Fee

By Jim Sloan | Money Rates Columnist | May 24, 2011

Bank's move could spur other banks to drop the charges that can lead to a "train wreck" of multiple overdrafts.

Where to Stash Your Rainy Day Fund

By Jim Sloan | Money Rates Columnist | May 18, 2011

Although many Americans are having trouble making ends meet, here are some ways to save money and keep it safe for when you need it.

6 Websites Make Saving Money Easy and Fun

By Jim Sloan | Money Rates Columnist | March 31, 2011

Managing your finances and increasing your savings is made easier and entertaining with these websites.

Major Banks Start Charging New Fees for Checking

By Jim Sloan | Money Rates Columnist | February 28, 2011

With bank fees on the rise, customers can avoid the fees by following a few basic requirements, such as maintaining minimum balances and having direct deposit into your account. 

Banks Rolling Out the Red Carpet to Lure In New Customers

By Jim Sloan | Money Rates Columnist | February 24, 2011

Banks and brokerage firms are using special incentives in order to bring in more customers with multiple accounts.

Jumbo Yields On Rewards Checking Accounts

By MoneyRates Team | Money Rates Columnist | January 10, 2011

Learn how much some customers are earning from their checking accounts with these jumbo APY calculations from MoneyRates.com.

5 ways to make balancing your checkbook easier

By Barbara Marquand | Money Rates Columnist | November 24, 2010

If reconciling your checkbook is a monthly nightmare, then take advantage of some of your bank's nifty technology to make the task easier.

Is your checking account fully insured? 3 steps to make sure your money is safe

By Barbara Marquand | Money Rates Columnist | November 23, 2010

The FDIC insurance limit is now permanently set at $250,000. Understand how the limit applies to your deposits.

5 ways to save money with your checking account

By Barbara Marquand | Money Rates Columnist | November 16, 2010

With banks adding fees here and there, it's harder, but not impossible, to minimize what you pay for checking account services.

Checking account debit card safety:10 tips

By Barbara Marquand | Money Rates Columnist | October 28, 2010

Follow these ten tips to keep your savings and checking accounts safe.

4 ways to avoid trouble with checking account auto bill pay

By Barbara Marquand | Money Rates Columnist | October 5, 2010

Make sure you trust a company before handing over your checking account information for automatic bill payment.

8 real estate investing tips to help maximize rental property investments

By Richard Barrington | Money Rates Columnist | September 2, 2015

A look at what you need to know in order to make an investment in rental property work out for you.

With Mortgage Rates Low, Is Real Estate a Good Bet?

By Richard Barrington | Money Rates Columnist | January 29, 2015

Recent declines in mortgage rates may generate enthusiasm for real estate investments, but there are reasons to be skeptical of this.

Should Your Move Debt to Your Mortgage?

By Richard Barrington | Money Rates Columnist | January 23, 2014

Shifting your debt burden into a mortgage can save you money, but it can also put your home at risk. Learn when this approach makes sense.

Using Rising Long-Term Rates to Your Advantage

By Richard Barrington | Money Rates Columnist | January 10, 2014

Rising long-term interest rates should impact how you shop for income vehicles and loans.

Why the Housing Bubble Could Be Returning

By Richard Barrington | Money Rates Columnist | July 26, 2013

Home prices may be the same as in 2004, but other conditions have changed since then. Is history ready to repeat itself?

Investing in Real Estate: 5 Things to Know

By Richard Barrington | Money Rates Columnist | February 27, 2013

Real estate investments can provide growth and income, but they also carry some special risks.

What 'Downton Abbey' Can Teach About Finance

By Richard Barrington | Money Rates Columnist | January 15, 2013

Though "Downton Abbey" is set in a distinctly different era, its plot holds some financial lessons that are relevant today.

Refinancing in Retirement

By Richard Barrington | Money Rates Columnist | August 8, 2012

Retirees often don't think of refinancing, but current conditions make refinancing worth a fresh look to older Americans.

FHA 203(k) Loans: A Solution for Renovation Costs

By Michele Lerner | Money Rates Columnist | May 31, 2012

If you need to finance a home renovation, an FHA 203(k) loan may be your solution.

Reduce Your Mortgage Payment by 'Recasting'

By Michele Lerner | Money Rates Columnist | April 27, 2012

Recasting is another way to lower your monthly mortgage payments, but there is one catch.

FHA Streamline Refinance Costs to Drop

By Michele Lerner | Money Rates Columnist | March 21, 2012

If you are a homeowner with a mortgage insured by the Federal Housing Administration (FHA), you may soon be eligible for an streamline refinance at a lower cost.

Money Mistakes To Avoid After A Divorce

By Lynnette Khalfani-Cox | Money Rates Columnist | January 9, 2012

Financial choices made during and after divorce can impact how well you move forward. Learn how to avoid these common errors.

Upside-down homeowners may benefit from HARP revisions

By Michele Lerner | Money Rates Columnist | November 18, 2011

If you are among the nation's estimated 20 million upside-down homeowners, the revised Home Affordable Refinance Program (HARP) may be playing your song.

Will Rising Gas Prices Impact Mortgage Interest Rates?

By Peter Miller | Money Rates Columnist | May 13, 2011

Despite gas prices rising, Freddie Mac projects that home sales will increase 5 percent in the coming year. How will the gas pump affect your ability to buy a house?

Who does the HARP program help and why is it going away?

By Peter Miller | Money Rates Columnist | March 22, 2011

The Mortgage Bankers Association wants to offer more help for troubled borrowers. But is there too much risk?