As retirement approaches, you can start putting more of your savings dollars directly into a online savings account, build a CD ladder or get a money market account for your nest egg.

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As we set aside a certain amount every month for our housing goal, should we put it in a traditional savings account with our local bank or should we invest it in a money market, CD, or online savings account?

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Should people keep their emergency funds in a bank savings account or CD instead?

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An added advantage is that long-term CD rates generally exceed standard savings account interest rates.

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If you wanted an investment that paid a return at virtually zero risk, you would buy an insured bank CD or put your money in a savings account.

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Unusually, both the Hillsborough single and the X Factor song were available on CD - increasingly a rarity in an era when downloads account for 99% of all single sales.

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In effect, you transfer the dollar account into a yuan account in the form of a Bank of China CD that will yield you next to nothing.

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Should they have realized that even though the island of Antigua provided tax breaks to the bank, they were not enough to account for the above-market rates of the CD?

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But with the average rate on a savings account at 0.24 percent, on a money market account at 0.22 percent, and on a 1-year CD at 0.53 percent, nominal returns are close to zero, and real returns are negative even at relatively low rates of inflation.

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