Chapter 1: Building liquid savingsWhy pay penalties to use your own money? Keep some liquid and even earn interest at the same time.Develop a savings planHow interest rates are determinedSavings accountsMoney market accountsMoney market fundsRising-rate CDs: flexibility, with a priceAre liquid CDs your cup of tea?Chapter 2: Certificates of depositGet paid to let someone else use your money! CDs offer a fixed rate of return for a specific amount of time.Lock up your money; get higher interestWhat type of CD is best?Certificate of deposit investing strategiesEarly withdrawal penaltiesCompare CDs with other investment optionsBank CDs versus brokered CDsWhy choose alternative CDs?Foreign-currency CDs: tempting and riskyZero-coupon CDs risky in the short termChapter 3: Investing in bondsBewildered by bonds? Troubled by Treasuries? We've got you covered -- from savings bonds and beyond!U. S. Treasury securitiesThe I-bondSeries EE Patriot BondTIPS (Treasury Inflation-Protected Securities)Corporate bondsChapter 4: Fixed-income investingThey're not sexy, but diversifying your portfolio can be: annuities, permanent insurance and bank loan funds.Permanent insurance: Whole, universal, variableAnnuitiesBank loan fundsChapter 5: Savings with tax breaksUncle Sam wants you -- to save money. And he'll give you a break on your taxes in a tax-advantaged account.IRAsEducation-savings plansPenalty-free IRA withdrawals401(k)sChapter 6: Banking institutionsBanks, thrifts and credit unions -- here's some information on how to decide where to park your cash.Types of banking institutionsWhom to complain to, and howHow the FDIC protects your moneyChapter 7: Bankrate's resourcesLooking for the safest banks and best rates? Bankrate gives you the tools to make a wise choice.Researching savings rates on Bankrate.comCriteria used in Bankrate.com surveysHow safe is your bank?Chapter 8: Investing in metalsThere are many ways to invest in precious metals. Before buying, determine the best method for you.The lowdown on buying selling silverHow to invest in precious metalsGold rush: Investors play it safeThe pros and cons of investing in gold advertisementRelated Links:IRA, CD, money market: How to choose?Infographic: How to invest in a Roth IRA12 essential investing tips for 2012Related Articles:Choose an adviserCreate a CD ladderTips for a CD ladder
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Dear Dr. Don, You often advise readers to "pay yourself first." It sounds like a fine idea. But I'm wondering how that actually should work. I'd like to know how much or what percentage of my income should be set aside... Read more
Should your employer's 401(k) plan let you invest in exchange-traded funds, or ETFs?
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