You may not realize it yet, but the long-delayed Roth alternative to the Thrift Savings Plan could be an exciting new addition to your retirement toolkit. I'm actually grinning ear to ear as I con... more.
Before you take another sip of that $5 latte or buy a new shirt, you need to read this: The average personal savings rate for Americans is at its lowest level since 2001 - it fell to 0 percen... more.
One popular strategy for earning higher-than-savings-account interest is a certificate of deposit (CD) ladder. A CD ladder (or laddered CDs) is a way of purchasing multiple smaller CDs rather than one larger CD, staggering the maturation dates. There are two main benefits to laddering your CDs: flexibility and higher interest rates. While you can [...]
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