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Analysis of how savings account rates and certificate of deposit rates (cds) are trending base on current and historical data.

The AHA is coming up this weekend. There are a few good trades I see going in to the meeting. These are stocks I have talked about before, but there are good new reasons to looks at them

In September, the FDIC raised the limit on deposit insurance from $100,000 per person to $250,000 per person. But the increase is not permanent. And after December 31, 2009, FDIC is set to roll back. That's important information for anyone interested in investing in longer-term CDs.

The US Treasury announced its new I Bond rate of 5.64% after adding the fixed and variable components.

Robert Schiller just published an interesting article in the NY Timers on why human beings, and especially top economists miss diagnosing a market bubble until it is too late. The answer shouldn't surprise anyone.

The FDIC, through Indymac Federal Bank is testing a program to adjust mortgages to help people stay in their homes. The idea is to prevent foreclosures, which are expensive to banks, as well as keep people in their homes.

It sounds horrible to say, but it is true.

Nouriel Roubini has become renown for having predicted the impending credit and bank crash. He predicts a severe recession and expects markets to decline another 20-30% before bottoming out.

The latest numbers show that personal income eeked out a slight gain in September, while spending continued to decline. The difference marks an increase in the nation's savings rate. This looks okay to me. People are still earning money, they just aren't spending all of it now.

As expected, the Fed dropped rates by 50 basis points (half a percent) to 1%. The idea is to make it cheaper for banks and borrowers to get money. The problem is that banks still don't want to lend and consumers don't have the cash to borrow.

GM's Rick Wagoner is turning to Chrysler, Toyota and the US government for support. The government should commit to giving support, but not in the form requested.

A mid-year report from the Bank of England analyzes the fall of the banking system and says that in the future banks must return to consumer deposits for funding. The report is an interesting overview of what has happened in the banking system.

Is now a good time to look at I Bonds? Some say yes, I say no. Here's why.

From Germany this morning, we can witness a trade that will be spoken about for years gone wrong.