Richard Barrington, CFA, is the primary spokesperson and personal finance expert for MoneyRates. He is a 20-year veteran of the financial industry, including having served for over a dozen years as a member of the Executive Committee of Manning & Napier Advisors, Inc. He earned his Chartered Financial Analyst designation in 1991 with the Association for Investment Management and Research (AIMR). Richard has written extensively on investment topics, including investments, money market accounts, certificates of deposit, and personal finance as it relates to retirement.
Richard has been quoted by numerous media publications such as The New York Times, The Wall Street Journal, and Pensions & Investments magazine.[...] Read more
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December 16, 2014
A drop in long-term bond yields throughout this year suggests investors think low rates may be here to stay.
December 5, 2014
Sometimes, the best way to make refinancing decisions is to act as if you were starting over.
November 11, 2014
A change in Fed policy and the latest news on GDP growth suggest higher interest rates may be coming -- if things stay on track.
October 29, 2014
Just as the U.S. economy seemed to be gaining momentum, global weakness has triggered a destabilizing bout of deflation. Read why that's bad news for savers.
October 14, 2014
Getting these things done before 2015 dawns could prove timely for your finances.
October 1, 2014
A transition in monetary policy has caused mortgage rates to rise before savings account rates, but it might be better the other way around.
September 18, 2014
The stability in mortgage rates has been nice, but it could come to an abrupt end.
September 3, 2014
A new survey shows 401(k) participants don't get as much help as they should, but they are still doing some things right.
August 20, 2014
An SEC ruling on money market funds has heightened the difference between these funds and FDIC-insured money market accounts.
August 6, 2014
A formal review of your bank can help you make sure your banking relationship is as good as it can be.
July 22, 2014
Turning points often start small and then accelerate. Could that be the case with a recent tick-up in interest rates?
July 7, 2014
The higher coupons on bonds bought at a premium may look tempting, but complications can result from buying above par.
June 25, 2014
It can be a great feeling to find money. Here are six wise places to look for it.
June 10, 2014
Negative real GDP growth is a misstep for the U.S. economy -- and for deposit interest rates.
May 28, 2014
The Fed's concerns over mild price increases could result in policies that take another bite out of the value of saving.
May 13, 2014
It may not be higher mortgage rates that the housing market is struggling with, but rather the path those rates have taken over the last year.
April 29, 2014
People often fail to keep up with these financial tasks simply because there are no hard deadlines for doing so. Here's how to keep them up to date.
April 15, 2014
A quiet quarter for interest rates did little to help consumers, but there were some bright spots.
April 1, 2014
Banks are trying to keep up with the times, but their efforts don't appear to be working in social media.
March 18, 2014
Mortgage rates have been frozen within a narrow range so far in 2014, but would-be borrowers should watch several factors that could set them moving again.
March 4, 2014
Making a 529 educational-saving plan work requires an intense approach to both investments and funding.
February 18, 2014
In something of a surprise twist, mortgage rates have started falling again, despite the Fed tapering its quantitative easing program.
February 4, 2014
A new recession may seem unthinkable right now, but history suggests it would be about typical at this point.
January 23, 2014
Here are five things to watch as you wait for savings and money market account rates to finally rise.
January 8, 2014
A successful retirement starts with plotting your approach years in advance.
December 10, 2013
In a low-rate environment, the changing dynamics between various yields can take on greater importance.
November 26, 2013
Low interest rates have encouraged people to spend, but this strategy may be running out of steam. Read what it could mean for next year's economy.
November 12, 2013
A year punctuated by two governmental budget showdowns brought no progress to deposit rates. Will 2014 be just as tough?
October 29, 2013
Financial scams are common today, and older people can be especially vulnerable to them. Here are five things you can do to protect your loved ones.
October 15, 2013
Slower growth and greater uncertainty have darkened the economic mood in 2013, but could the fourth quarter bring a change?
October 1, 2013
A new study indicates there is no shortage of financial con-artists on the prowl today. Learn how you can guard against them.
September 17, 2013
Americans appear to be more diligent about managing their home loans than other forms of debt. Learn why this may be both good and bad for their balance sheets.
September 3, 2013
To get the most from your checking or savings account, it is important to know how the size of the account will affect the terms.
August 30, 2013
Learn how criminals today are aiming to access your financial information -- and what you can do about it.
August 21, 2013
Read three reasons why savings accounts have been slower to react to rising rates than mortgages -- and three things you can do about it.
August 20, 2013
A-Rod may be in trouble for drugs, but his errors suggest some possible money lessons too.
August 6, 2013
The banking industry has stabilized since the Great Recession, but a new proposal might bring back some of the risks of the housing bubble.
July 23, 2013
Some types of investors had a great run in the first half of 2013, while others struggled to break even.
July 19, 2013
Financial surprises seem to lurk around every corner today. Learn how you can anticipate and even benefit from them.
July 9, 2013
The recent climb in interest rates is just one of the things that can lead consumers to consider a new bank.
July 5, 2013
Recent up and downs in the market have made investors nervous, but things may be less precarious than they seem.
June 11, 2013
Rates are rising slowly, but are your finances prepared to handle a return to historically normal interest rates? The numbers may surprise you.
June 10, 2013
Stocks and real estate appear to be doing well, but are these appearances to be trusted?
May 28, 2013
The stock market is set to continue upward, according to new projections by economists at the Federal Reserve Bank of New York, but that doesn't mean stocks are a safe bet.
May 14, 2013
Americans are constantly bombarded with offers to borrow money, so learning to say no is an essential survival skill.
April 30, 2013
Fed policies have put the economy on a tight-rope between recovery and speculation. Find out what the dangers could be.
April 15, 2013
There is no shortage of financial news today, but not all of it should be weighed the same.
April 2, 2013
How long will mortgage rate continue to rise? Will deposit rates soon follow suit? History may hold some clues.
March 19, 2013
Never in the past 50 years has a stock market peak been accompanied by such low interest rates. This gives investors a tough decision between safety and returns.
February 20, 2013
January left those hoping for better signs for the U.S. economy feeling like frustrated sports fans.
February 5, 2013
A decisive upward trend in bond yields could be a sign that bank rates will head higher soon as well.
January 24, 2013
With the fiscal cliff deal only adding to the federal deficit problem, Americans should build personal savings as protection.
January 8, 2013
Rates are at historic lows, but banks may be getting a better deal than consumers in today's environment.
December 21, 2012
You may not have believed the world would end with the Mayan calendar, but this myth can serve as a useful reminder to plan for the future.
December 11, 2012
A new survey highlights some of the rational and irrational ways that American workers are addressing their retirement concerns.
November 27, 2012
About 2 million Americans quit their jobs every month, but the smart ones make the right financial preparations first.
November 12, 2012
Hurricane Sandy reminded Americans about the importance of disaster preparedness, and no disaster plan should lack provisions for your finances.
November 6, 2012
A new T. Rowe Price study shows that even people who have started saving for retirement have significant room for improvement. Learn what their strategies lack.
October 22, 2012
Imparting strong financial skills to your children may be even more important than providing them with an inheritance. Find out how to achieve it.
September 28, 2012
An August spike in inflation creates new problems for the economy, and both borrowers and depositors might pay the price.
September 19, 2012
A new survey found weak payroll activity and fading optimism at small businesses, which doesn't bode well for the economy or savings account rates.
September 5, 2012
The fate of interest rates and other economic conditions is likely to hinge on the outcome of these upcoming events.
August 23, 2012
The tide of falling deposit interest rates can't last forever. Read why a turnaround might finally be in the works.
August 3, 2012
Sanford Weill's vision of banking helped bring on the financial crisis, but he has a different take on things today.
July 25, 2012
Direct victims of the LIBOR scandal may be hard to trace, but everyone in the financial system could be hurt by the fallout.
July 17, 2012
Waiting for higher savings account rates has been an exercise in frustration -- much like being at the back of a long traffic jam.
June 5, 2012
The bank's recent $2 billion loss could impact consumers in several ways.
May 29, 2012
Here are four tips for finding the "just right" bank for you.
May 2, 2012
Calls for QE3 reflect a certain short-sightedness on the part of investors. Read what another round of quantitative easing could mean for deposits.
April 23, 2012
Regional differences in deposit rates are significant, but they can be overcome with the right approach.
April 6, 2012
A new study illustrates how a comfortable retirement is not one goal, but the culmination of a series of financial goals.
March 29, 2012
An automated asset allocation model and Exchange-Traded Funds help Betterment keep costs down for investors.
March 21, 2012
You can't always avoid financial trouble, but these six tips may help you handle it more gracefully.
March 12, 2012
Mortgage companies deserved to be punished for the practice of robo-signing, but whether the settlement money is being applied fairly is another question.
February 28, 2012
This simple tally can help you process economic events as they unfold in 2012 and see if they are good or bad for your savings account.
February 8, 2012
Stocks may be much riskier than savings accounts, but they've actually been more stable in recent years when it comes to income production.
January 31, 2012
Take these five steps toward a check-up that will strengthen your financial plans.
January 11, 2012
People are all too familiar with the recent adversity facing investors, but here are four reasons why 2012 could be better for retirement savings.
December 15, 2011
While returns were agonizingly low in 2011, the right tax approach can help ease the pain.
December 7, 2011
Read four tips for keeping your gift-buying from getting out of hand this holiday season.
November 29, 2011
The latest estimate of GDP for the third quarter isn't a home run, but it's at least a hit.
November 6, 2011
In today's environment, emphasizing debt reduction over saving may make sense.
October 18, 2011
There is still plenty of bad news about the housing market, but from a buyer's perspective, good news predominates.
October 6, 2011
Banks could ease the transition to fee-based checking accounts by bundling in additional services.
October 5, 2011
Rebuilding your emergency fund should be a priority as soon as you've weathered the crisis that forced you to tap into it.
September 26, 2011
Analysis finds that neither has much room to fall.
September 15, 2011
Waiting for mortgage rates to fall even farther could be a fool's game, because current mortgage rates are barely above inflation.
September 6, 2011
New ATM fees for non-customers make a bank's ATM locations an even more important consideration in choosing a checking account.
July 15, 2011
For all the hype associated with the real estate market, one thing is very true: current mortgage rates represent an extraordinary opportunity for borrowers.
March 28, 2011
Find out what you should do to address the retirement income gap that many Americans are facing.
February 28, 2011
Find out why you should manage your asset allocation like a basketball coach by having defined roles, but the flexibility to make substitutions.
January 31, 2011
The Federal Reserve offers five important tips for avoiding mortgage foreclosure scams.
December 28, 2010
Find out why the proposal to cut the mortgage interest deduction may hurt less than you think.
December 14, 2010
Find out what you can do to make the best of a highly unusual year for money market rates and mortgage rates.
November 15, 2010
November 3, 2010
October 15, 2010
October 11, 2010
September 20, 2010
August 20, 2010
June 27, 2010
June 10, 2010
May 28, 2010
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April 22, 2010
April 1, 2010
March 24, 2010
February 11, 2010
January 28, 2010
January 20, 2010
December 27, 2009
December 11, 2009
November 25, 2009
November 20, 2009
November 4, 2009
October 22, 2009
October 7, 2009
September 22, 2009
September 4, 2009
August 20, 2009
August 11, 2009
August 4, 2009
The Bureau of Economic Analysis released data today which showed the personal savings rate in the U.S. climbed from 4% to 5% during the second quarter of 2009.
July 21, 2009
CD rates and yields on money market and savings accounts may lose if inflation rises, but they also retain the flexibility to capture rising interest rates.
June 30, 2009
Treasury interest rates have risen, largely on concerns about an eventual return of inflation, but CD rates have barely moved, meaning you must shop around for the highest CD rates
June 12, 2009
June 9, 2009
May 18, 2009
April 30, 2009
April 16, 2009