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Though it is a contrarian idea, opting to get the money sooner will net the most value.

Bobby Feldman is a managing director and partner at Snowden Lane Partners in Pittsburgh.

Michelle Thornton is Manager, Core Products for CO-OP Financial Services, a credit union service organization based in Rancho Cucamonga, Calif. (www.co-opfs.org). She can be reached at michelle.thornton@co-opfs.org and 800-782-9042, ext. 6162.

Brad McMillan is chief investment officer of Commonwealth Financial Network.

The bank may be on the hook for hundreds of millions of dollars in tax penalties, lawyers say.

Fund managers' and strategists' views and recommendations on the main investment risks and trade opportunities in the new year.

Justin Fox is director of DevOps Engineering for NuData Security, a Mastercard company.

Golle is an editor on the economics team at Bloomberg News in Washington.