"If the IRS thinks it is important enough to warn you, you had better pay attention, " says Slott. (Taxpayers still have the option on Form 1040 of direct deposit into only one account, but some of the warnings on the 8888 apply if that one account is an IRA).

FORBES: Magazine Article

Certificates of deposit (CDs) are an attractive option when trying to boost your savings yield because they pay more competitive rates than a saving account while still offering FDIC insurance protection.

FORBES: CD Strategies: Minimizing Your Risks While Maximizing Your Returns

But as these three banks aren't publicly traded, the Spanish government said it would give the holders of their newly created ordinary shares the option of selling them to the country's deposit guarantee fund.

WSJ: Spain Brings the Pain to Bank Investors