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When to shop
Best time to shop

Timing is very important when it comes to shopping. Hidden patterns in the retail world reveal a choreographed cycle of off-season discounts, manufacturer price reductions and clearance sales. Discovering the ebb and flow of each retail market means money in your pocket.

To make it easier, we spoke to some insiders to uncover the secrets to getting the best deal possible.

-- Posted: Dec. 10, 2007
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NATIONAL OVERNIGHT AVERAGES
30 yr fixed mtg 4.45%
48 month new car loan 3.77%
1 yr CD 0.89%
Rates may include points
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