CD

The following is a list of the nationally available highest yields 12-month CD rates. In general, certificates of deposit (CDs) are great investments because your principal is protected by FDIC insurance and your interest rates are guaranteed. Moreover, you can use CD Ladder to make your CD savings more flexible and effective. You can open [...]

When it comes to insurance, it’s all about reducing risks. The whole point of insurance is to help you hedge against the risk that unexpected events could financially devastate you — or at least cost you a great deal more than you would like to pay. If you have an auto insurance policy, you might [...]

Whether you invest in the stock market or not, bank accounts are a vital investment and savings vehicle. No matter how much or little money you have, everyone needs to set aside money that is guaranteed to be there when you need it. …

If you’re a savvy investor, you most certainly have a fair bit of cash tucked away for general spending and emergencies. The stock market is a long term investment and if 2009 taught us anything, it was to not have money you need to spend in the stock market. So where do you put the [...]

Your financial life has a certain trajectory — similar to a train on a track. There will be twists and turns, but you can easily determine where you will end up if you stay on the financial track you’re currently on.  What if the traditional methods of working hard, cutting expenses, and saving don’t work [...]

As the year is winding down, you may be considering some ways to lesson your 2009 tax burden. Should you take advantage of the federal tax credits Congress has provided certain energy efficiency expenditures? Well, maybe. This post is intended to help you understand these tax credits of energy expenditures and decide if they are [...]

One area in which I have vigilantly slashed my spending is the “Entertainment” category. I include cable television, movie theaters, concert tickets, bars, sporting events, and a bunch of other things in this category. The easiest expense to cut back on thus far has been the TV/movies area. For television, Hulu has aided me in [...]

We’ve all heard the stories of lotto winners who win millions, think they’re set for life, and then go broke within a decade. Or people who inherit large sums of money and end up in financial ruin, family feuds, or both. The word “windfall” can mean different things to different people — if you’re young [...]

Just over two years ago, I started a personal finance blog called Moolanomy. Over the years, I poured my heart and soul into it, and it became the key to my life dreams. I have many dreams and amongst them: working full-time on web sites and moving my family to Northern Virginia. It so happened [...]

If you keep a lot of money in your checking account, moving your money to a high interest checking account may be a good move. Below is a list of nationally available highest yields checking accounts. All of these accounts are FDIC insured up to $250,000. Your principal is protected and you’re guarantee a positive [...]