Bank Notes 
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When I’m saving, ‘Time Is on My Side’

Time is on my side when I'm savingThe Rolling Stones’ “Time Is on My Side” (actually written by American song writer Jerry Ragovoy) may not seem at first glance like a song about money, but the more I look at the lyrics, the more I think they could be written from a lender to a debtor.
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 Retirement 
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4 red flags of a bad 401(k) plan

Some 401(k)s have big red flags like these.One of the great advantages of working for “the man” is retirement benefits, including the possibility of contributing to a 401(k) plan that offers you the chance to save for retirement with pre-tax dollars.

But are all 401(k) plans created equal? Certainly not. Right now, Fidelity Investments is being sued by some of its current and former employees due to the nature of its plan. According to the lawsuit, Fidelity’s plan funnels employees into investments that have high costs, and might not provide the best bang for the buck. (Fidelity plans to fight the suit, and counters that there are plenty of low-cost choices available with its plan.)

Seeing a lawsuit like this hit one of the biggest providers of workplace retirement plans in the country should make you wonder: How does your own plan stack up?
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 Investing 
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1 question to transform your finances

Pitcher of beer? Doesn't produce cash flowsTalking to Bankrate’s senior financial analyst Greg McBride about investing in gold one day, I asked him why he thought gold was, in general, not a great place for normal people to put their money. His reply was something like, “It’s metal. It doesn’t produce cash flows.”

Later I thought, why not apply that to everything?


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