Negative interest rates and savings accounts: What that could mean for your money
Here’s how to optimize your saving strategy in a tough economy.
3 min read
Sep 21, 2022
James Royal, Ph.D.
Principal writer, investing and wealth management
EXPERTISE
- Investing
- Wealth management
- Behavioral finance
- Stock analysis
EDUCATION
- Bachelor of Science in management, University of Florida
- Master of Arts in English, University of Florida
- Doctorate in English, University of Florida
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
About the author
Bankrate principal writer and editor James F. Royal, Ph.D. covers investing and wealth management. His work has been cited across major media, including CNBC, the Washington Post, The New York Times and the Associated Press. Royal believes in the power of education to help individuals make smart financial decisions that can positively and significantly improve their lives.
Experience
James is the author of The Zen of Thrift Conversions. He’s a veteran writer and stock analyst with a history of working in the financial-services industry, including at the Motley Fool and Bankrate.
Education
Royal has a bachelor’s degree in management as well as master’s and doctoral degrees in English earned at the University of Florida.
Media mentions
CNBC
Yahoo Finance
Reuters
Cheddar TV
Forbes
Barron’s
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
James's latest articles
-
-
Citi unveils new low-cost robo-adviser and it’s free for some customers
Does Citi’s new robo-adviser offering make sense for your investments?
3 min read Sep 21, 2022 -
Winners and losers from the Fed’s emergency rate cut
Here’s who stands to benefit the most from plunging interest rates.
5 min read Sep 21, 2022 -
Survey: Real estate and cash top Americans’ list of preferred investments over next 10 years
Real estate was the top choice, but second place was something of a surprise.
4 min read Sep 01, 2022 -
Survey: Real estate stays on top as Americans’ favorite investment for the long term
In all, 29 percent said real estate was their top pick for investing money for 10 or more years.
5 min read Sep 01, 2022 -
In the race to zero-fee broker commissions, here’s who the big winner is
But should all investors cheer the changes?
6 min read Sep 01, 2022 -
What is Shiba Inu and how does it work?
Here’s what Shiba Inu is and what you need to know about how it works.
3 min read Aug 31, 2022 -
Ethereum 2.0: How the Ethereum Merge affects you
The Merge is a long-awaited change to the Ethereum system, making it much more efficient.
3 min read Aug 18, 2022
-
Best municipal bond funds
Consider adding these municipal bond funds to your portfolio.
4 min read Oct 15, 2024 -
What are restricted stock units (RSUs)?
RSUs might be part of your compensation package.
4 min read Oct 09, 2024 -
Best time of the year to retire for tax purposes
When you retire can potentially have a big impact on your retirement income and the taxes you owe.
4 min read Oct 07, 2024 -
What are the different types of stock to invest in?
What every investor should know about the different types of stock.
4 min read Oct 04, 2024 -
How to cash out your crypto or Bitcoin
Here are five ways you can cash out your crypto or Bitcoin.
3 min read Sep 30, 2024 -
How do Social Security survivors benefits work?
Find out how your partner’s retirement benefits could change if she or he outlives you.
3 min read Sep 13, 2024 -
Top 10 reasons to contribute to a 401(k)
Here are the top 10 reasons to contribute to your workplace retirement plan.
3 min read Sep 05, 2024 -
5 ways to invest in farmland
Some investors think investing in farmland is recession proof. Here’s how to get started.
4 min read Sep 02, 2024