Money Minute: Colleges With Best ROI; How Else Speeding Can Cost You

Which colleges offer the best return on your tuition investment?

We all know that college can be amazingly expensive, leaving many students with huge loans to pay off. According to Payscale, students at Harvey Mudd College in California get the highest return in the 20 years after graduation. Four years at the school costs a whopping $230,000, and after 20 years the average grad has earned $981,000. Harvey Mudd is followed on the list by CalTech, MIT, Stanford and Colorado School of Mines. You'll note that these are also among the hardest schools in the country to get in to. Breaking it down by major, the best returns come from the STEM fields -- science, technology, engineering and math.

A warning to drivers who flout the law. A study by insurancequotes.com finds that moving violations can send your insurance premiums up by as much as 93 percent. %VIRTUAL-article-sponsoredlinks%The biggest increases are for DUI violations and reckless driving citations. But even a speeding ticket for going just 1 to 15 mph over the limit can lead to a 21 percent premium hike.

Keep an eye on banking stocks today. After passing the Federal Reserve's stress test last week, the Fed is allowing 25 of 30 large banks to raise their dividends. But five banks were told they can't, including industry giant Citigroup (C). The others are: Zions Bancorp (ZION), and three foreign banks with U-S affiliates -- Royal Bank of Scotland (RBS), HSBC (HSBC) and Banco Santander. Sixteen of the other banks immediately announced plans to increase their shareholder payouts.

Here on Wall Street, the Dow Jones industrial average (^DJI) fell 99 points Thursday, the Nasdaq composite (^IXIC) slid 60 and the Standard & Poor's 500 index (^GPSC) fell 13 points.

Finally, a survey by Charles Schwab (SCHW) finds that retail investors -- that's you and me -- have turned more bearish. Twenty percent of individual investors had turned bearish this month, double the number from December. However, a majority of investors still believe the market will continue to rise this year.

-Produced by Drew Trachtenberg.