Personal Finance Advice and Commentary

In the weird world of prolonged near-zero interest rates, the premium banks used to pay CD investors to lock up their money is disappearing.

State regulators are warning CD investors to stay away from CD rates “too good to be true.”

An expert says CD rates and the savers who depend on them were just another casualty of the Great Recession.

The drop in the national unemployment rate from 8.5 percent in December to 8.3 percent in January made big news nationwide, and seemed to a lot of folks to signify a solidified economic recovery. But if CD investors are hoping the stronger-than-expected employment report will cause the Fed to accelerate its timetable for a rate

Ladders and barbells are CD investing strategies that set up multiple CDs to come due at different times. But for situations where you want all your money to come due at once, there’s another CD investing strategy: bullets. “It’s almost like dollar cost averaging,” says Robert Laura, partner at Synergos Financial, in Howell, Mich. “You