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MoneyRates.com Archives

Setting goals to set savings on track

Richard Barrington

Saving money does not have to be intimidating if you approach it by setting a series of reasonable goals.

Kicking the tires: 10 questions to ask before signing up with a bank

Richard Barrington

Asking the right questions before you choose a bank can save you time and money in the long run.

The 5 scariest bank fees (and how to avoid them)

Richard Barrington

The way fees on checking accounts and credit cards can add up is truly scary, but there are ways to escape monstrous fees.

Beginner's guide to opening an online brokerage account

Richard Barrington

Evaluate online brokerages on 7 important factors based on how you will use your brokerage account.

Beginner's guide to opening a business bank account

Richard Barrington

Taking some care when opening a business bank account can help your organization run more smoothly for years to come.

America's Best Rates: Online banks winning the bank rates war

Richard Barrington

A rate war has broken out among savings and money market accounts. See whether you are among the winners or the losers.

USAA: A full-service bank for veterans and their families

Dan Rafter

San Antonio-based bank USAA offers a range of checking, savings, mortgage, auto loan and wealth-management services to its members. It's also a supporter of the U.S. Military.

Online broker review: Just2Trade

Richard Barrington

Online brokerage firm Just2Trade offers very competitive margin rates and commissions for online stock trades, especially for regular traders.

Online broker review: Capital One Investing

Richard Barrington

See what type of investor best fits the profile for Capital One's online brokerage accounts.

Fifth Third Bank: A wide reach from its Cincinnati base

Dan Rafter

Fifth Third Bank traces its history back to the 1850s. Today, it's one of the larger regional banks in the country, serving 10 states from its headquarters in Cincinnati.

Can my mother use her IRA savings account to pay off debts?

Richard Barrington

Before using an IRA to pay off debts, there are a variety of legal and financial implications to consider.

Which accounts should I deposit my retirement income into?

Richard Barrington

Directing your retirement income efficiently and appropriately can be one way to help that income go further.

How do I decide which CD account to break into early?

Richard Barrington

Breaking into a CD is likely to entail a penalty, but there are some factors that might mitigate this financial hit.

Can I use my IRA toward buying a home?

Richard Barrington

You might be able to use some money from an IRA toward buying a home, but you should fully understand the limitations and consequences.

Are foreign currencies good retirement investments?

Richard Barrington

The degree of difficulty and risk involved in currency trading put it outside the mainstream of most retirement investing.

4 major risks of debt consolidation and how to avoid them

Richard Barrington

Debt consolidation can be either a useful tool or a costly mistake, so it helps to understand your goals and how to pursue them.

How to responsibly handle easier access to credit cards

Richard Barrington

Easing credit standards mean consumers have to take responsibility for not overusing access to credit.

10 things to know to maximize credit card rewards

Richard Barrington

Get the most out of credit card reward programs by knowing the best ways to use your cards.

9 questions to ask before taking on debt

Richard Barrington

Borrowing money can be too easy at times, but asking some challenging questions can help you stop it from becoming too much of a habit.

6 financial moves to prevent sleepless nights

Richard Barrington

Financial worries are a common source of nighttime anxiety, but these problems are best addressed in the light of day.

Fearing a Fed rate hike? Make these 5 moves

Richard Barrington

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

Batter up! 9 'players' for your investment line-up

Richard Barrington

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

Home-field advantage: 7 reasons to favor US stocks

Richard Barrington

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

7 straightforward rules for asset allocation

Richard Barrington

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: Are you a shark, lion or sheep?

Richard Barrington

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

Where do your finances stand this holiday season?

Richard Barrington

Thanksgiving and the holiday season is a good time to look at your finances; see how you can tell which elements of those finances are blessings and which are turkeys.

Is weakening job growth behind Fed's decision to not raise bank rates?

Richard Barrington

The Fed's latest statement dismisses recent negative economic trends as being due to the harsh hurricane season, but their inaction on rates speaks louder than words.

Underbanked? How to Find the Best Bank Account for You

Richard Barrington

Find out why millions of Americans do not have a bank account, how this is costing them, and what they can do about it.

Did Hurricanes Harvey and Irma lead to Fed's rate hike delay?

Richard Barrington

Fallout from recent hurricanes seems to include delaying a Fed rate hike, though consumers may want to protect against rising inflation by shopping for bank rates.

Consumers should act faster than the Fed on interest rates

Richard Barrington

The Fed continues to show extreme caution in raising rates, but consumers can take more decisive action now.

8 types of CD accounts

Richard Barrington

A review of the characteristics of different types of CDs can help you decide which is the best fit for your needs.

Complete Guide to Setting Up A CD Ladder

Richard Barrington

Learn how a CD ladder can work to your advantage, and how to set it up.

November Fed update: Fed doesn't act on bank rates - but consumers can

Richard Barrington

No action by the Fed on rates leaves it up to consumers to protect themselves by finding higher savings account rates.

September Fed update: Bank rate increase delay, how consumers can prepare

Richard Barrington

The Fed continues to delay raising rates, but taking action seems increasingly imminent.

5 moves to optimize your CD ladder investments

Richard Barrington

CD ladders can help you manage yield and liquidity, and they can also be tailored for current circumstances.

7 Big Financial Changes that Call for Adjusting Your Mortgage

Richard Barrington

Refinancing is not just about capturing falling interest rates. It can also be a way of optimizing your mortgage loan to fit a change in circumstances.

9 must-know things about your mortgage loan

Richard Barrington

The benefit or burden of any mortgage is largely dependent on these 9 details.

Buying a home: 7 tips for making your biggest investment decision

Richard Barrington

Lack of experience is an inherent problem for first-time home buyers, but some sound investment thinking can help you overcome that problem.

Amid historically low rates, is real estate a good investment?

Richard Barrington

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

When it makes sense to bet the house

Richard Barrington

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.

6 reasons to rethink where you bank

Richard Barrington

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 2013: Should you switch?

Ollie Geiger

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

4 signs of money immaturity in teens

Naomi Mannino

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

Walmart's Bluebird card: Has checking met its match?

Richard Barrington

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

Why one bank is switching to a single overdraft fee

Jim Sloan

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

Where to look beyond the Fed for signs of life from stagnant bank rates

Richard Barrington

With no action from the Fed on interest rates, consumers should look elsewhere for signs of rising rates.

Fed implies rise in interest rates is inevitable

Richard Barrington

Interest rates will soon be on the rise: some banks to act sooner than others.

Fed sets the stage for rate hike

Richard Barrington

The Fed still isn't ready to raise rates, but this week's meeting statement hints that the time is near.

Fed ups the focus on its June meeting

Richard Barrington

While the Fed announced no rate change in today's meeting, the wording of its statement hints at the possibility of change by midyear.

Latest Fed statement omits important detail

Richard Barrington

The Fed made no change in policy in its latest meeting, but a change in its statement's wording reflects an underlying optimism about the economy.