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Can variable annuities make sense even if you are not in the highest tax bracket? This article is going to focus on non-qualified annuities, and in particular whether the cost of the annuity is justified based on the insurance company guarantees and tax-deferral, as well as some potential emotional advantages of annuities.

CIT Bank today launched a new RampUp line of flexible CD products. Three and four year RampUp CDs provide holders with a one-time opportunity to lock into a higher CD, if CD rates rise, during the term of the product. One and two year CD products are called RampUp Plus. In addition to the one-time rate increase, depositors can also do a one-time added deposit during the life of these terms.

Citibank latest Structured Note uses the 30-5 CMS spread like a lot of recent issues, but it also has a 9x multiplier making it very interesting.

Consumers Credit Union has a free rewards checking account in which depositors can earn up to 5.09% APY on balances up to $10,000. There are no fees with the account and the credit union will refund fees from other banks' ATMs when the reward requirement balances are met. Best of all this account is available nationally, anyone can join the credit union and open it, and access is nationwide do to the credit unions participation on a co-op program.

First Choice Bank of NJ is offering a 5-year CD that pays 2.5% APY if it is opened with a Platinum Checking account.

Brokered CDs pay well below the best online CD rates and have ever since the advent of online banking. Do not be fooled. Any website or individual claiming that they can get you a better rate than the best available rate online is more likely than not an out-and-out fraud.

Following its recent study of services provided related to the 10 most important factors in investment banking for seniors, BestCashCow today releases the following results.