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Savings and CD Rate Update - May 20, 2013
Savings and CD averages continue to fall. Top savings rate remains steady at 1.05% APY. Top online CD rate steady at 1.75% APY. The economy seems to be gaining momentum as jobs and leading indicators all come in above forecasts.
Posted on May 20, 2013 by
Savings and CD Rate Update - May 13, 2013
Top online savings rate holds at 1.05% APY. Top CD rate steady at 1.75% APY. Reward checking still paying 3.01% APY. Average rates continue to trend down.
Posted on May 13, 2013 by
Savings and CD Rate Update - May 6, 2013
Savings rates continued their relentless march, like zombies in some horror movie, moving mindlessly lower and lower. Average one-year CD Rates dipped from 0.368% to 0.366% APY. Three year average CD rates dropped from 0.730% to 0.726% APY. Five year average CDs dropped to from 1.071% to 1.066% APY. The only good news on the savings front is that average online savings rates remained steady at 0.705% APY for the second week in a row. We remain on pace to see a sub 1% average APY on a 5 year CD rate by August or September.
Posted on May 06, 2013 by
Savings and CD Rate Update - April 29, 2013
Top online CD rate drops to 1.75% APY. Top online savings rate steady at 1.05% APY. Outlook: Rate will continue to trend down.
Posted on April 29, 2013 by
Savings and CD Rate Update - March 25, 2013
Top national CD Rate steady at 1.85% APY, online savings steady at 1.05% APY. Cypress protects insured deposits. Rate forecast: more declines.
Posted on March 25, 2013 by
The Impact of the Cyprus Bailout on U.S. Savers
The EU recently forced Cyprus to accept a bank bailout that takes the unprecedented step of forcing losses onto bank depositors. How does this impact U.S. savers?
Posted on March 18, 2013 by
Savings and CD Rate Update - December 3, 2012
Savings and CD rates continue to drop, except for online savings and money market accounts. The economy continues to trudge along. The online savings account and CD spread continues to widen, making a good case for opening online savings and money market accounts.
Posted on December 03, 2012 by
The Fiscal Cliff - How Will It Affect Interest Rates?
With yet another economic crisis looming on the horizon, this time in the form of the Fiscal Cliff, how will interest rates react if negotiations fail?
Posted on November 21, 2012 by
The Student Loan Crisis - Legitimate Cause for Concern or Hyperbole?
There has been a great deal written about the next "asset bubble", student loan debt. Does the ever growing mountain of student loans represent a danger to the economy? Or are we over reacting given the recent credit crisis that resulted from the asset bubble the housing market represented?
Posted on October 23, 2012 by
Will Anyone Really Benefit from QE3?
QE III has been announced and is in the process of being implemented. The stated goal is for the Federal Reserve to purchase mortgage backed securities in an effort to both lower interest rates and increase liquidity in the housing market. Will home buyers and homeowners actually be the beneficiaries of such a program? That remains to be seen.
Posted on October 16, 2012 by
What Threat Does the Level of our National Debt Pose?
As our national debt goes ever higher and reaches truly staggering amounts, a great deal of rhetoric regarding the threat it poses both economically and geopolitically has been issued. In truth, many such threats have been misrepresented or exaggerated, as the greatest threat is not a hostile foreign entity such as China, but our long term domestic policies regarding health care.
Posted on October 10, 2012 by
Moody's Threat to Downgrade U.S. Debt - Meaningful or Much To Do About Nothing?
Recently, Moody's, one of our domestic credit rating agency giants, issued a credit watch on U.S. debt, warning that unless negotiations on the impending Fiscal Cliff achieve a resolution of the impasse, they would downgrade the rating on U.S. Treasuries. While clearly an ominous sounding statement, there remains the question: Does a credit downgrade of U.S. debt even matter?
Posted on October 07, 2012 by
What Will Increased Stability in Europe Mean For Interest Rates?
After months of grinding delays, Europe appears to finally be trending in the right direction, as several notable events in recent weeks have lent optimism to a situation that many have long despaired would ever see a resolution.
Posted on October 04, 2012 by
The Risks of Quantitative Easing to the U.S. Economy
Wall Street is clearly thrilled at the Federal Reserve's implementation of QE III, but are the short term gains worth the potentially long term problems the increase in liquidity represents?
Posted on September 19, 2012 by
Round Three of Quantitative Easing will be Implemented - But Does it Matter?
After much speculation, QE III will be implemented. Given the lack of efficacy of past, similar efforts, does this action on the part of the Fed even matter?
Posted on September 13, 2012 by

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Understanding the Time Value of Money
Posted on April 10,2013

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