So the economy has taken a down turn.  You've decided you might need to start saving some money.  Well, it's too late.  You should have been saving five years ago.  But there's hope. There's a Chinese proverb about the best time to plant a tree. The best time to plant a tree was twenty years [...]

A couple years ago, online savings accounts were paying over 5% interest.  Now interest rates have dropped slightly and are just starting to recover.  I have short term money that I want to keep liquid, yet I also want a decent return on investment.  What do I do now? In 2006 high interest online savings [...]