Comments on: How To Build A CD Ladder http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/ Your Money. Your Career. Your Life. Mon, 08 Sep 2008 04:08:58 +0000 http://wordpress.org/?v=abc By: Dividend Growth Investor http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-10074 Dividend Growth Investor Thu, 24 Jul 2008 17:43:22 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-10074 That's an interesting article. You still keep flexibility in case rates go up with a 5-10 year ladder, yet you can adjust even if rates start dropping as well.. That’s an interesting article. You still keep flexibility in case rates go up with a 5-10 year ladder, yet you can adjust even if rates start dropping as well..

]]> By: Rule of 72 : Just Personal Finance http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-6450 Rule of 72 : Just Personal Finance Mon, 17 Mar 2008 18:49:38 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-6450 [...] example, if you were interested in CD laddering (Read Cash Money Life’s How to Build A CD Ladder) which typically offers a low interest rate based on the Federal Reserve Board interest rates (See [...] [...] example, if you were interested in CD laddering (Read Cash Money Life’s How to Build A CD Ladder) which typically offers a low interest rate based on the Federal Reserve Board interest rates (See [...]

]]> By: Carnival Of Personal Finance | mygoodcents.net http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2292 Carnival Of Personal Finance | mygoodcents.net Tue, 06 Nov 2007 05:09:33 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2292 [...] Cash Money Life on how to build a CD ladder. [...] [...] Cash Money Life on how to build a CD ladder. [...]

]]> By: Patrick http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2284 Patrick Mon, 05 Nov 2007 22:53:13 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2284 Nice information, Free From Broke. It is very important to consider the current rates when you start a CD ladder, and had the rates not been where they are a couple weeks ago, my wife and I would not have built the CD ladder. But, the rates we got were between 4.91-5.16%, which we felt was good enough for us to lock into for several years. As with any investment, it is possible we may not get the best rate of return possible (rates could go through the roof like they did in the late 70's, early 80's), but then again, they could drop back down to 2-3% like they were a few years ago. We were comfortable at these rates, and I think we'll be fine. Thanks for the comment. :) Nice information, Free From Broke. It is very important to consider the current rates when you start a CD ladder, and had the rates not been where they are a couple weeks ago, my wife and I would not have built the CD ladder. But, the rates we got were between 4.91-5.16%, which we felt was good enough for us to lock into for several years. As with any investment, it is possible we may not get the best rate of return possible (rates could go through the roof like they did in the late 70’s, early 80’s), but then again, they could drop back down to 2-3% like they were a few years ago. We were comfortable at these rates, and I think we’ll be fine. Thanks for the comment. :)

]]> By: Free From Broke http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2283 Free From Broke Mon, 05 Nov 2007 21:42:12 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2283 Years ago when I first opened my ING account I set up a 5-year CD ladder. I soon realized that because the rates were so low at the time that my savings rate was eclipsing my CD rates after a few months. Now I set up one year CD's in a quarterly ladder (4 a year). I find this works out better to capture the best rates. Also, what's nice about ING is that they tend to give you a rollover bonus when you re-invest a mature CD. I've even been able to add to the CD amount on a few occasions. Years ago when I first opened my ING account I set up a 5-year CD ladder. I soon realized that because the rates were so low at the time that my savings rate was eclipsing my CD rates after a few months. Now I set up one year CD’s in a quarterly ladder (4 a year). I find this works out better to capture the best rates. Also, what’s nice about ING is that they tend to give you a rollover bonus when you re-invest a mature CD. I’ve even been able to add to the CD amount on a few occasions.

]]> By: Presenting The Carnival Of Personal Finance #125 | My Two Dollars http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2268 Presenting The Carnival Of Personal Finance #125 | My Two Dollars Mon, 05 Nov 2007 13:09:03 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2268 [...] How to Build a CD Ladder (at Cash Money Life). [...] [...] How to Build a CD Ladder (at Cash Money Life). [...]

]]> By: Patrick http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2183 Patrick Tue, 30 Oct 2007 22:25:28 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2183 Glad to help Kyle. Good luck with that. :) Glad to help Kyle. Good luck with that. :)

]]> By: Kyle http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2182 Kyle Tue, 30 Oct 2007 21:59:28 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2182 Good info, I am going to be investing some money in CDs at the end of the year so this will come in handy. Good info, I am going to be investing some money in CDs at the end of the year so this will come in handy.

]]> By: Patrick http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2166 Patrick Mon, 29 Oct 2007 23:32:56 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2166 Hi lulu, Thanks for the great info! I have ING, but my other bank actually had better rates, and that is where I do most of my banking. I set up a CD ladder last week and it only took me 5 minutes to set everything up. It was very easy! :) Hi lulu,

Thanks for the great info! I have ING, but my other bank actually had better rates, and that is where I do most of my banking. I set up a CD ladder last week and it only took me 5 minutes to set everything up. It was very easy! :)

]]> By: lulu http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2165 lulu Mon, 29 Oct 2007 17:38:57 +0000 http://cashmoneylife.com/2007/10/29/how-to-build-a-cd-ladder/#comment-2165 If you have an ING account they make it very easy for you to set up a CD ladder. You fund your ladder with money from your ING accounts and it does all the work for you. If you have an ING account they make it very easy for you to set up a CD ladder.

You fund your ladder with money from your ING accounts and it does all the work for you.

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