Financial Basics

Getting Organized

Take Control

Build Your Credit

Banking Basics

Taking the Next Steps

Determine Financial Goals

Creating a Budget

Building Your Career

Borrowing Basics

Investing for Your Future

Investing 101

Saving Strategies

Choose the Right Investment

Investing Online


Increase Your Earning Power

Tuning Your Career

Negotiating for Success

Changing Careers

Going Back to School

Starting Your Own Business

Smart Borrowing

Take Control of Your Debt

Paying for Major Purchases

Getting a Loan

Finance an Education

Managing Your Finances

What's Your Net Worth

Managing Daily Finances

Tax-Planning Strategies


Plan for Financial Success

Creating a Financial Plan

Achieving Short-Term Goals

Plan for Long-Term Goals

Retirement Planning Basics

Investing Wisely

Investing Considerations

What's Right for You?

Investing Techniques

Preserving Your Wealth

Reallocating Your Assets

Insurance Options

Wills and Trusts

Plan for Heirs

Gifting to Family & Charity

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Saving Strategies

Whether you're planning on financing a new car, a college education, or early retirement, it's smart to look closely at your financial goals and develop a solid savings plan. Today, there is a wide range of savings options available - each one designed to meet your specific needs.

Savings Accounts
Savings accounts are a great way to start saving immediately. Savings accounts offer:

  • Flexibility. In an emergency, your money is available when you need it.
  • Security. All savings accounts are FDIC-insured up to $100,000.
  • Growth. By setting up an automatic deduction from your checking account to your savings account, you can start gradually building funds for future investing.

Money market accounts
In a money market account, your funds have more earning potential than in a traditional savings account. Money market accounts offer:

  • Liquidity. This is a good place to keep three to six months of emergency cash.
  • Current market interest. Since their market value doesn't change, these accounts offer the potential for greater earnings.
  • Growth. The more you save, the more you can earn.

Certificates of deposit (CDs)
With a CD, you can lock-in high interest rates for a specified term. Yet unlike a savings or money market account, you must commit to keeping your money in these accounts during the agreed upon time. CDs offer:

  • A low-risk investment. CDs combine long-term savings with FDIC security.
  • A solid choice. CDs generally secure higher interest than regular savings or money market deposit accounts.
  • Increased growth. You also receive higher returns for higher balances.

IRAs and 401(k)s
These are excellent choices for your retirement savings. IRAs and 401(k)s offer:

  • Tax-deductible contributions. (see for details)
  • Tax-free withdrawals. (see for details)
  • Maximum return. Receive compounded investment earnings year after year.
  • Instant savings. This is arguably the easiest way to save for retirement.

*Certain conditions apply

Put your savings online
When you bank online, you can get up-to-the-minute balance information on all your savings accounts, transfer money or review current interest rates. In addition to being fast and easy, online banking is a convenient way to compare the wide variety of savings plans being offered today.



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