The Savings Game - Humberto Cruz

Feature Details

  • Frequency: 1/wk
  • Release date: Tuesdays
  • Moves with art: No
  • Moves with multimedia: No
  • Available: International, U.S. & Canada

The Savings Game

For years, The Savings Game has laid down the basic principles of prudent financial planning and helped readers educate themselves about saving and investing. Columnists Elliot Raphaelson and Anya Kamenetz continue this tradition with fresh insights.

Elliot Raphaelson: Former bank executive, lecturer and Florida court mediator, Raphaelson has decades of experience observing the mistakes that savers and investors make.

Anya Kamenetz: Author of the popular book "Generation Debt," Kamenetz is an expert on the financial challenges facing young adults.

The Savings Game Samples

More of 'file and suspend' option for Social Security

Readers continue to write with questions about maximizing Social Security benefits. I have discussed two advantages of the "file and suspend" option.

Fee-only financial advisers are different from fee-based

After a recent column on questions to ask a new financial adviser, I heard from several readers.

Disposing of your timeshare

It is no secret that many who have purchased timeshares no longer wish to own them for a variety of reasons. According to the National Timeshare Owners Association, the average annual maintenance fee at the end of 2014 in the U.S. was $881.

You can lower your student loan payments, but it's not easy

A friend of mine, let's call him John, has a staggering $260,000 in student loans from his undergraduate and law degrees. Since 2012, student loan borrowers have had the right to lower their monthly payments to avoid experiencing financial hardship.

Readers frustrated with Social Security Administration representatives

After a recent column about optimizing your Social Security benefits, I received a lot of mail from readers wanting to know more -- and to share their frustration.

ETFs vs. mutual funds: Which is more cost effective?

The last five years have been very good for diversified common-stock portfolios with mutual funds and exchange-traded funds.

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