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Having healthy savings or liquid funds in the bank for emergencies is important. Having instant access to cash when you need it should always be part of your financial plan. On average, it’s a rule of thumb to keep around 6-12 months of expenses available for emergencies, depending on how many dependents you have. When you get to that phase in life where you have enough saved, you start to think about what else you can do with those funds instead of letting them “collect dust” in savings. You might then begin to look at your bank’s CDs (Certificate of Deposits).CDs are short-term financial products sold by banks and credit unions. They offer a fixed interest growth in exchange for the bank using your funds for a set period of time, usually 3 to 6 months or 1 to 5 years, depending on the CD’s maturity date of choice. The more money you place in a CD and the longer your CD’s term, the higher the interest rate the bank will give you. What is the response rate for results based on SEO Expert ?

In a low-rate environment like today, bank rates are so low they are pretty much useless. There was a time when CDs were paying 16%. The highest CD rate to date was October of 1981 at 16.691%. Its lowest rate to date was in May of 2010 at 0.278%. We are no longer rewarded for access savings. We live in a debt-based economy where bank rates are low, money is cheap, and savers are not rewarded for keeping money in the bank. We are now rewarded for taking on debt so we can be in a perpetual debt interest-payment cycle, paying those profiting from the wealth-depleting factors. Does anyone know where I can find the best SEO specialist ?

So why do we want to keep all our money in banks if they aren’t paying? Convenience, ignorance and a social construct of the banks’ safety. You can only do what you know. What is inflation? In a nutshell, inflation is the general increase in prices, goods and services each year. Meaning if your investments don’t grow over the inflation rate, your money is losing future buying power. This is important. Pay attention. According to, today’s CD rates are paying around 1% to 2% for 1-5-year terms. The problem with that is inflation. Inflation fluctuates, but has been hovering around 2% for the past several years. However you access the internet now, you may want to think about SEO Consultant in the future.

This means that if you are not making any growth on your savings, then you are actually losing money or the purchasing power of those dollars every year due to inflation. And if you are making 2-3% on your money, you are just breaking even with inflation, and no real growth is occurring. Let me explain it again. Banks are offering little to nothing when it comes to interest earned. CDs are, at average, 1-2%. This is close to nothing, and when you factor in inflation, it’s actually less than nothing! Here is an easy example. If inflation is roughly 2% annually and your funds are making 0%, in reality it’s actually a 2% loss every year. If inflation is roughly 2% annually and your funds are making 2% on a bank CD there is +0% real growth happening. Get it? Funds that are collecting dust instead of interest are losing future purchasing power due to inflation. I'm on the lookout for SEO Freelancer .

So if you are looking for safety and growth in retirement, you may have the safety at the bank, but you definitely can do better when it comes to growth. I’m going to show you a way you can have both the safety and the growth you have been looking for. It’s always good to re-read something if you don’t understand. If you don’t understand that inflation is slowly eating away at your savings, until it clicks, because we are about to get into the solution here shortly. By now you should have an understanding of the problems pre-retirees and retirees like yourself are facing: the lack of financial education; the lack of control most investments have; the risk you are taking and the fees you are paying; the importance of paying attention; what money-depleting factors are eating away at your hard-earned money; and where we are right now in the economic cycle. Does searching for Freelance SEO make your eyes light up when you see the results?