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It's often assumed that being a saver kills the passion in a relationship. Here are five tips on how to be a prudent spender in a way that lights a spark in any relationship.

CIT Bank today raised its savings rate from 0.90% APY to 0.95% APY. It follows a move from GE Capital Retail Bank earlier in the week to raise the rate on several CD terms. As the unemployment rate continues to drop, look for more and more banks to begin raising rates.

It is a pretty good sign that the economy is heating up again when "fee-only" or "for-fee" financial advisors step back out from the woodwork. These folks should be avoided.

In his 2014 State of the Union address President Obama introduced the myRA account and said that the Treasury was taking action to make it available by the end of the year. The account will offer a decent rate of return for a federally guaranteed savings product but comes with some limitations.

The Fed is still trying to stimulate the economy, including raising the inflation rate. Could it use a theoretical concept called "surprise inflation" to shock the economy and give it a lift? How would "surprise inflation" impact savers and borrowers?

A person who has put together $5 to $10 million in liquid assets needs to manage cash differently from someone with $50 million +.

A recent experience I had with an online bank after they lowered their online savings rate demonstrates how perilous rate chasing can quickly become.

What are Bitcoins and should you get involved with the new currency that is all over the news and media.?

I have written several previous articles on this website about Structured Notes. Structured Notes involve real risks. I continue to advocate that those Notes based entirely on equity or currency baskets should be avoided all together in favor of better instruments in the ETF and hedge fund spaces. Nevertheless, I continue to believe that those trying to put money away safely with a long horizon can pick up yield by placing some small part of their assets in debt-side Structured Notes.

Below is my list of financial software tools that I find to be the most useful in helping grow and manage your savings. I've focused on tools for those in their twenties or thirties but these tools could benefit any age group.

Citibank is syndicating an interesting Structured Note which is very similar to the one issued by JP Morgan last month, but is callable, has a 10% coupon and has no S&P contingency.

There is a lot of information available on how much of a retirees portfolio should include of stocks and bonds but when it comes to cash, the information is almost non-existent (for the purpose of this article, I am defining cash as money held in a bank or credit union and covered by FDIC or NCUA insurance). Interested, I went in search of answers and found some good advice that can guide any retiree when thinking about the cash component of their saving and investing plan.

JP Morgan Chase is currently syndicating what may be its most interesting Structured Note offering in years.