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Basic Guides: Certificates of deposit, money market accounts, savings accounts, checking accounts and investments

Indexed bank CDs and variable-rate CDs - money-rates.com

By MoneyRates Team | Money Rates Columnist |

Curious how indexed or variable-rate certificates of deposit (CDs) work? Here are some essential facts on these unique accounts.

IRA certificates of deposit to save for retirement

By Andrew Freiburghouse | Money Rates Columnist |

An IRA that contains certificates of deposit (CDs) can offer investors some much-needed protection from the stock market -- a particularly attractive feature for those nearing retirement age.

FDIC Insurance Limits: Maximize FDIC Insurance Coverage

By Gina Pogol | Money Rates Columnist |

Make certain that your deposits are fully covered by learning the answers to these common questions on FDIC insurance.

Compare CDs and money market accounts - decide which is right for you

By Karen Lawson | Money Rates Columnist |

CDs and money market accounts can both help protect your long- and short-term savings, providing security and even competitive yields -- if you're willing to shop around.

MoneyRates Featured CD Rates - a sensible way to compare CD rates

By Richard Barrington | Money Rates Columnist |

Interest rates are important when you're shopping for a CD, but there are some things to keep in mind before you select an account based on its rate.

Certificate of Deposit (CD) Primer

By Richard Barrington | Money Rates Columnist |

With many types of certificates of deposit (CDs) now available, finding the highest CD rates requires some knowledge of the market.

Money Market Accounts: A Good Choice for Your IRA?

By Andrew Freiburghouse | Money Rates Columnist |

A money market account placed in a IRA can offer excellent stability and tax benefits. Learn why money market IRAs are a particularly good choice if you're near retirement.

Why invest in a retirement money market account

By Andrew Freiburghouse | Money Rates Columnist |

Adding a money market account to your retirement portfolio can provide much-needed security as you age. Here's what you should know before choosing one.

Money Market Accounts vs. Savings Accounts

By Andrew Freiburghouse | Money Rates Columnist |

Money market accounts and traditional savings accounts share certain characteristics, but also have differences that make each product attractive in specific situations.

Money Market Funds vs. Money Market Accounts

By Andrew Freiburghouse | Money Rates Columnist |

Many people confuse money market funds with money market accounts, but these are two fundamentally different types of financial instruments.

Money Market Accounts: A Primer

By Andrew Freiburghouse | Money Rates Columnist |

Money market accounts are similar to savings accounts, but often pay higher interest and may carry more restrictions. Learn when you should choose a money market account.

Types of savings accounts: 12 options to save money

By Richard Barrington | Money Rates Columnist |

Different savings vehicles have different purposes, and you can choose from a list of a dozen options for saving money.

Reasons for having an emergency fund and how to invest the money

By Richard Barrington | Money Rates Columnist |

An emergency fund is a key building block for achieving financial security. Learn what it takes to start one.

A beginner's guide: Everyday tips for building savings more quickly

By Richard Barrington | Money Rates Columnist |

Building savings starts with setting goals and then employing a variety of investment and money-saving techniques to meet those goals. Learn how it's done.

101 of MoneyRates.com's favorite tips for saving money

By Richard Barrington | Money Rates Columnist |

Looking for quick ways to save money? These tips can help you trim expenses and start building savings today.

Saving for College: How to Include Your Child

By Richard Barrington | Money Rates Columnist |

A college education is a great thing to seek for your children, and including them in the saving process can teach them some key financial principles.

Things to consider when comparing savings account and money market rates

By Richard Barrington | Money Rates Columnist |

When you choose a new deposit account, the interest rate should be a primary concern. But there's more you should consider before you open a new account.

Savings Accounts for Children: How to Choose Wisely

By Richard Barrington | Money Rates Columnist |

There are several things to look for when choosing a child's saving account. Learn what features you should seek and how to maximize the learning experience for your offspring.

Get the best rates on CDs and savings accounts by choosing a best bank

By MoneyRates Team | Money Rates Columnist |

Choosing a bank is no small matter, so don't go into the process without knowing these basics.

Specialty Banks

By MoneyRates Team | Money Rates Columnist |

Haven't found what you're looking for at mainstream banks? Find out if a specialty bank can help.

Online Banking: Tips on Getting Started

By MoneyRates Team | Money Rates Columnist |

Want to explore the possibilities of online banking? Read these essential tips for getting started.

529 college savings plans - look for the best college savings deals

By MoneyRates Team | Money Rates Columnist |

Need information on saving for college? Learn about some of today's most popular educational savings options.

International Bank And Foreign Investments

By MoneyRates Team | Money Rates Columnist |

Learn when it makes sense to consider adding foreign investments or bank accounts to your portfolio.

Differences Between Savings Accounts, Money Market Accounts and CDs

By Joe Taylor | Money Rates Columnist |

When comparing deposit accounts, understanding the main types of products available is critical. Learn how these accounts differ from each other.

Health Savings Accounts

By Richard Barrington | Money Rates Columnist |

When paired with high-deductible health insurance, a health savings account can be a good way to plan for your health care expenses.

Education Savings Accounts

By Andrew Freiburghouse | Money Rates Columnist |

Education savings accounts are a tax-advantaged way to save for college expenses. Learn how they can help take some of the sting out of today's tuition costs.

Steps for checking account reconciliation - money-rates.com

By Karen Lawson | Money Rates Columnist |

Reconciling your checking or savings account doesn't have to be a nightmare. Follow these simple steps to find out if your account is in balance.

Expert advice to avoid checking account fees - money-rates.com

By Andrew Freiburghouse | Money Rates Columnist |

Here are some of the most common checking account fees, along with suggestions on how to avoid them.

Calculating Interest on a Checking Account

By Andrew Freiburghouse | Money Rates Columnist |

If you want to know where every dollar in your finances comes from, it's important to understand how to calculate checking account interest.

Most reliable ways to manage a checking account

By Andrew Freiburghouse | Money Rates Columnist |

While technology can help today, there is still no substitute for diligence when it comes to managing your checking account.

Choose the right kind of checking account for your needs

By Andrew Freiburghouse | Money Rates Columnist |

Looking for a new checking account? It may be helpful to know what options exist before you start shopping.

How to Avoid Online Brokers Fees: Investment Guide & Infographic

By Richard Barrington | Money Rates Columnist |

Online stock trading can be surprisingly expensive if you don't know how to minimize commissions and other fees.

Scottrade review : Low fees and strong customer service

By Satta Sarmah-Hightower | Money Rates Columnist |

Trading can be intimidating for beginners. Here is one of several online brokers that make it easy.

Keeping a calm head in a bad stock market is important for both investors and governments

By Richard Barrington | Money Rates Columnist |

A look at how the recent market slide ties into economic developments and government policy.

8 real estate investing tips to help maximize rental property investments

By Richard Barrington | Money Rates Columnist |

A look at what you need to know in order to make an investment in rental property work out for you.

13 reasons why penny stocks are risky: What to know before investing

By Richard Barrington | Money Rates Columnist |

Penny stocks, or microcap stocks, can offer spectacular returns, but more often they are prone to hype and scams.

Net-worth: More than a number?

By Richard Barrington | Money Rates Columnist |

A look at why net worth does not always tell the full story about someone's financial well-being.

How to Start Investing: A 10-Step Guide

By Richard Barrington | Money Rates Columnist |

Investing is a massive and complex field of study, but wading into it gradually with a step-by-step approach can help you learn steadily and minimize your risks.

Mutual Funds: What They Are and How They Work

By Richard Barrington | Money Rates Columnist |

Mutual funds are a popular investment option today, but they can have widely varying characteristics and levels of risk. Learn what you should know before investing.

Savings Bonds: What They Are and How They Work

By Richard Barrington | Money Rates Columnist |

Savings bonds offer excellent security, but there are a few things you should know before you purchase your first bond.

Find the truth about Money market funds: How they work

By MoneyRates Team | Money Rates Columnist |

A money fund may make a welcome addition to your portfolio, but it's important to note the key traits of these products before you invest.

Make your car-buying mission easier get best tips on auto loan.

By MoneyRates Team | Money Rates Columnist |

Considering a new auto loan? Learn the basics on auto loan shopping, including what to look for in a lender.

What is Commercial Paper?

By MoneyRates Team | Money Rates Columnist |

Learn how commercial paper works and how it can fit into an individual investor's portfolio.

Government Bond Funds and Inflation Protection Funds

By MoneyRates Team | Money Rates Columnist |

Curious whether a bond fund is for you? Research the basics before you make any purchases.

Get trusted tips for choosing dividend stocks - money-rates.com

By MoneyRates Team | Money Rates Columnist |

Dividend stocks pay their investors regularly from company profits. Learn five ways you can target reliable dividend stocks for your portfolio.

complete checklist to finding the best online broker

By MoneyRates Team | Money Rates Columnist |

Starting a relationship with an online broker requires knowledge of how these entities work. Find out what you should keep in mind.

Things to consider when refinancing your mortgage

By Karen Lawson | Money Rates Columnist |

You may save money by refinancing, and you may not. Here's how to determine whether you'll come out ahead.

Adjustable mortgage rates, caps and margins - how it works

By Karen Lawson | Money Rates Columnist |

Adjustable-rate mortgages can make sense in some situations, but it's critical that borrowers understand how they work.

Reverse Mortgage Loans: 10 Things to Consider

By Karen Lawson | Money Rates Columnist |

Reverse mortgages provide access to cash from your home's equity, but it's important to fully understand how these products work before signing up.