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This article is by staff writer Holly Johnson.

According to a 2013 Nilson report, credit and debit card fraud were the cause of over $11.2 billion in losses in 2012. And if you think that sounds bad, just wait; it’s expected to get much worse. As USA Today reported last year, hackers and scammers have turned stealing credit card numbers into an art form. By focusing on major retailers such as P.F. Chang’s, Target, and…


This article is by staff writer William Cowie.

Who isn’t on the lookout for safe investments? We looked at the hidden advantages of savings accounts recently and found that, despite the current low-interest rate environment, old-school savings accounts are still quite popular, judging from the comments anyway. After all, they are among the safest investments out there; and they are flexible, too. Still, it’s natural to ask if there is any investment just as…


This article is by editor Linda Vergon.

(This article was based on Suba Iyer’s article that originally appeared on FiveCentNickel.com.) Your 20s are filled with milestones and life-changing experiences. It’s a time when the things you learn start to become habits and when financial decisions can either lead you to great success or become a problem for you in the future. It would be great to have perfect foresight so that you knew the…


This article is by staff writer Holly Johnson.

Last week’s bitter-cold temperatures presented an awful time for my furnace to start acting funny. It would shut off for no reason only to restart when I fiddled with the thermostat. Then it would shut off again without me realizing it, only for the temperature to plunge to 50 degrees while I plugged away at my laptop. Then, all of a sudden, I would be absolutely…


This article is by staff writer Honey Smith.

As I mentioned in my homeownership and priorities post, one housing project that we wanted to tackle sooner rather than later was replacing our HVAC unit. Within months of moving into our new house, we had to shell out a thousand bucks to repair our 20-plus-year-old HVAC unit when it broke on a 108-degree day. While we haven’t had a problem since (knock on wood), the fellow…


After a brief stint in the automotive industry in Detroit, Ryan Takach moved to Chicago to work for a major financial institution. The antics of traders on the trading floor stoked his curiosity for the markets, and an ex-pat assignment in London provided additional exposure to the global financial system. These experiences encouraged his investing and provided the financial foundation to manage the money challenges of a 30-something. He currently lives in San Francisco enjoying…


(Petrish Dyer is an active military Navy Chief, currently stationed in Japan. Please understand that her duties and time zone may prevent her from responding to comments in a timely manner even though she would like to. Petrish is also the founder of debtfreemartini.com where she blogs and inspires others to live a debt-free life.) As an active-duty military member, I know that preparing and filing your tax return can be a nightmare. Regardless of…


This article is by staff writer Lisa Aberle.

As someone who doesn’t like to shop for groceries (or lug them all from my car to the house), the thought of finding a service that helps me avoid the check-out line altogether is very appealing. A service that would put my groceries away would be even more amazing, but I won’t get carried away. Even without that added bonus, though, the advantages start to stack…


This article is by editor Linda Vergon.

Back in 2008, Holly P left a comment on J.D. Roth’s article about teaching kids to invest saying: “I’d love to know how your sibling got your nephew to think about actually saving. Despite repeated efforts to get them to save, my kids want to spend every cent as soon as it hits their palms.” It’s a common problem for parents. They see the need to teach…


This article is by staff writer Robert Brokamp.

Modern technology is amazing. For example, thanks to the wonders of Find My iPhone — an application which allows you to use another device to locate a phone on a map — I was able to watch my stolen iPhone travel northward until the signal stopped deep in the heart of Washington, D.C. I haven’t heard from it since, so I don’t think the person who…


This article is by staff writer Holly Johnson.

For most people, pursuing credit card rewards is a game of cat and mouse. You keep a watchful eye on your credit score, seek out the best offers, and strike when the iron is hot. But that is just one component of the hobby; the other part of the equation is that it can be extremely exciting to watch your point balances climb. Obviously, the more…


This article is by staff writer William Cowie.

The era of spending unending retirement days on a golf course in plaid pants and interminable games of bridge with the blue-rinse set seem to be on the wane. Younger people are looking for more adventure, with more activity … and lower costs. Few strategies deliver like (of all things) the recreational vehicle (RV) retirement lifestyle. A few years ago, my wife and I got a…


This article is by staff writer Honey Smith.

Short answer? Yes. But that wasn’t very interesting, now was it? So let’s weigh the options for working while in school to get a better understanding of why you should consider it. Working as a way to pay for school There are lots of stories about people working their way through school. Unfortunately, it is becoming less common in some quarters, but perhaps the biggest reason…


This article is by staff writer Honey Smith.

Love is in the air at this time of year, and the Internet is full of tips and tricks for how to celebrate Valentine’s Day on every end of the spending spectrum. All price points are represented, from customized jewelry to those with something a little more affordable in mind for Valentine’s Day. In past years, we’ve asked people to share their Valentine’s Day plans, but this…


This article is by staff writer William Cowie.

Savings accounts? Are you crazy? Boo, hiss. These days, savings accounts are only used as joke fodder for late-night comedians. Take the mom who wants to teach her kids the value of prudent financial management, for example: For little Bobby’s eighth birthday, his mother takes him down to the local credit union to open a savings account. Figuring that all the grownups in his life would pour…


This article is by staff writer Lisa Aberle.

The odometer on my car is nearing 223,000 miles. While I am hoping the dented-on-all-four-sides sedan is going to make it to at least 250,000 miles and beyond, realistically, we need to plan for a replacement. But before we go car shopping, we need to decide what we are looking for. There are a lot of things to consider here like the manufacturer, style, color, etc.,…


This article is by staff writer Holly Johnson.

When my husband proposed to me on July 10th, 2005, I was ecstatic. In fact, I’m pretty sure I screeched “Yeeeeeeeeessssssssssssssssssssssssss” before he could even pull the ring out of his pocket. Our plan was to move into the little apartment above my husband’s work — it was part of his compensation package — then get married the following summer. Unfortunately (fortunately?), a few of the…


This article is by staff writer Holly Johnson.

In the last 12 months, my husband and I both turned 35 years old. Although I hadn’t put my finger on it until now, I think there is something about that age that made us want to reassess our current financial strategy. But the truth is, gratefully, that I think we are on the right track. We are debt-free aside from a small mortgage, we save…


This article is by staff writer Honey Smith.

Spoiler alert: Stress ahead! More than three in four women think about money more than sex, and more than one in four Americans in relationships feel money-related stress affects their desire for sex according to a survey conducted online within the United States by Harris Poll on behalf of Yodlee from December 6 to December 10, 2013. The 2,039 U.S. respondents were adults ages 18 and…


This article is by staff writer Holly Johnson.

Over the past 12 months, I have used credit card rewards to finance the bulk of our trips to Jamaica, Las Vegas, Denver, New Orleans, London, Paris, and St. Maarten. And in the process, I’ve also cashed in a five-figure sum of hotel loyalty points, airline miles and cash-back rewards. Of course, I blame part of this on my love of family travel, but it also has…


Savings accounts and money market accounts are meant to hold your liquid assets, or funds that you expect to use within a year. You may think "If you've seen one high-yield savings account, you've seen them all" - but, actually, higher interest rates and certain features can make one account a better choice for your needs than another.

Part of an effective financial strategy includes maximizing your earnings while balancing your need for liquidity -- and a certificate of deposit, or CD, is one way to accomplish that goal. You can easily monitor the best CD rates and terms currently available in the table below plus the rates of more than 500 financial institutions (banks, credit unions, savings banks, and savings and loan associations)

GRS is committed to helping our readers save and achieve their financial goals. Savings interest rates may be low, but that is all the more reason to shop for the best rate. Find the highest savings interest rates and CD rates from Synchrony Bank, Ally Bank, GE Capital Bank, and more.

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