The Savings Game - Humberto Cruz

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  • 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

Retirement conundrum: Lump sum now or annuity later

Many corporations offer a choice to former employees who are vested in a defined-benefit contribution plan: a lump sum immediately or an annuity in the future.

What is financial well-being?

In early June a national poll came out showing that 56 percent of Americans rate their current financial situation as fair or poor. Why is this important?

Healthcare, drug stocks surge, but at what cost?

I recommend that most people hold their common stock investments primarily in no-load, diversified index funds with low management fees.

How couples do money

You've probably heard that money fights predict divorce rates better than any other common source of conflict between married couples. That means that finding a winning approach to money management can improve your happiness in all sorts of ways.

Familiarize yourself with Medicare well before you enroll

Medicare is an important entitlement. There are four components of Medicare: Parts A, B, C and D. The core elements are Part A, which includes hospital insurance, and Part B, which includes medical insurance.

Should you give it away now or later?

Leaving a legacy or inheritance used to be thought of as something that happens after death. According to a new survey by HSBC, more than 43 percent of U.S. retirees are currently supporting at least one other person.

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