Savings Archives

Bank Branches Go Belly Up
By: Brian O'Connell

We've written stories before on the increased consumer demand for online and mobile banking applications, detailing the clear trend away from the traditional bank branch and toward mobile banking. Now, a new study details how, for the first time in a decade, bank branches are in steep decline. Read more»

Are Investors Erring on Roth Conversions?
By: Jeff Brown

Fidelity Investments has found a “surge” in investor interest in Roth conversions, as many more become eligible with the Jan. 1 lifting of income limits. About a third of those covered by Fidelity’s survey are expected to complete conversions by the end of the year, with four times as many conversions done this January compared to last year. Read more»

The Fee That Makes You Money
By: Jeff Brown

Mutual fund fees are bad, everyone knows that. They undermine compounding, dramatically reducing returns over the long term. Except in cases when fees are good. Then they actually improve returns — by as much as 3.27 percentage points a year. Read more»

Q&A: What Are the Best Mobile Banking Apps?
By: Brian O'Connell

Question: I love my new cell phone and am just starting to figure out all the apps I can use. Since I travel a lot, one feature I’d love is to send cash to my family and to my employees via my cell. How can I do that? — V. Gaydos, Baltimore. Read more»

Which State Is Best for Retirement?
By: Jeff Brown

With the economy in the doldrums, many people have been forced into retirement early. Many others are reexamining their retirement plans, figuring they might have to do with less. Read more»

Return of the Rainy Day Fund
By: Brian O'Connell

A new Federal Reserve study is out, showing that Americans have adopted the mindset of those who grew up during the Great Depression. That means more savings, less debt and the potential return of the venerable rainy day fund. What does all this mean for the national debt and credit picture? The real dirt is in the details. Read more»

Unemployed? There's a Tax Break for That
By: Jeff Brown

Fewer people are losing their jobs, according to government reports. That’s good. But millions are still out of work and trying to stretch every dollar. If you’re in this boat, keep in mind some tax breaks for the unemployed. They can boost a refund or reduce a tax bill. CCH, a tax-information firm based in Riverwoods, Ill., lists a number of the most beneficial. Read more»

The Importance of Tax Diversification
By: Jeff Brown

Most investors are familiar with diversification, or spreading your eggs among a variety of stock, bond and cash baskets to reduce risk. But there’s another kind: “tax diversification.” That refers to keeping assets in a variety of accounts that are treated differently at tax time. It’s especially valuable to retirees, who are more likely to take money out of their accounts than to put it in. Read more»

Citi Plays Withdrawal Waiting Game
By: Brian O'Connell

In the real world, if someone takes your money and refuses to give it back to you for seven days, he might expect a visit from the authorities and a future date in court. But such a scenario is just business as usual for big banks these days. Read more»

The Essential Guide to Retirement Withdrawals
By: Jeff Brown

Let's say everything goes fine, or as well as can be expected, and you enter retirement with a nice, plump nest egg. Now that it’s time to start taking money out, where should you start if you have a variety of assets and accounts? Read more»

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