Personal Finance Advice and Commentary

Friday, November 05, 2010 11:22 am
By Sheyna Steiner · Bankrate.com

For the foreseeable future, savers and investors in CDs will find themselves with limited options. The twin pressures of persistently low interest rates combined with rising food and energy prices can drive investors to take on more risk than they would prefer, whether that’s by extending maturities, taking on more credit risk or finding more volatile

Friday, October 08, 2010 11:18 am
By Sheyna Steiner · Bankrate.com

The search for yield has gotten a little nuts. CD rates keep dropping — as do Treasury securities. The Wall Street Journal reported Friday that Treasuries hit a record low of 0.36 percent on Thursday. As a result, exotic CD products are increasingly being discussed as antidotes for sinking CD rates. When considering any product

Wednesday, July 28, 2010 10:28 am
By Sheyna Steiner · Bankrate.com

I’ve written about indexed CDs previously but recently a marketing e-mail for a currency-linked CD got me interested in writing about them again. EverBank offers a few currency options in CD form. Their newest CD offering is linked to the Deutsche Bank Currency Returns Index. According to the details, investors can earn all of the

Thursday, May 27, 2010 2:23 pm
By Sheyna Steiner · Bankrate.com

What if you could buy a product that offered you the upside of the stock market with no risk to your principal? Sounds great, who wouldn’t buy that investment? Possibly someone who reads the fine print. Indexed CDs start with the structure of a CD but the return is tied to an index such as