Making Use of the Web Banking and Finance Managing money and making wise investments and are among the most important skills consumers need to master. Abundant advice is available on a variety of banking and financial websites. More than 80 percent of Americans who manage household finances have enrolled in online banking programs, and 20 percent have used a banking app on their smartphones or mobile devices. Whether their financial institutions are a retail bank, a virtual bank, or a credit union, they enjoy the convenience of monitoring account balances, depositing checks, transferring funds, receiving text message alerts, and paying bills. Personal finance websites provide information on portfolio management, tax preparation, real estate investing, mortgage rates, retirement planning, credit card and student loan advice, and a host of other lifestyle and educational topics.Also available are calculators to help make saving, spending, and real estate decisions. Business finance websites include market data, company earnings, interest rates, and corporate news. Research This: (a) Visit two online banking websites: one for a financial institution that has a physical presence in your community and another that is virtual. Compare the services and featured products. For example, do they offer bill payment, retirement accounts, and mobile banking apps? What fees are charged for these services? Which bank has the highest money market and certificate of deposit rates? (b) Visit two financial websites, such as Yahoo! Finance, that feature information about managing personal credit and debt. Read two stories discussing student loans, credit card debt, overspending, or retirement planning. According to these articles, what mistakes do people make managing their money? Who are the economic professionals writing or being quoted in the articles? What advice is given that can help you handle your expenses?