Happy New Year! - My 12 Top Posts of 2012

This is just a quick note to wish you and your family a happy, healthy and prosperous New Year. I would like to thank all of you for your support.

While we wait for credit unions to post their January rates, I thought it would be useful for me to list some of my top posts from 2012. I only included posts that are still relevant today. Posts that review old deals aren't included. Several of the posts may be useful for those who have CDs maturing this year. With long-term CDs paying so little today, should you roll over your maturing long-term CDs into new long-term CDs? I consider this issue in several of the posts. Some of the posts also provide examples of the risks of long-term CDs like the Ally Bank disclosure change and CEFCU increasing EWP on existing CDs.

1. Gotchas to Avoid When Planning to Close a CD at Maturity
2. Understanding Deposit Insurance Coverage with Multiple Beneficiaries
3. Ally Bank Changes Deposit Agreement Covering CD Early Withdrawals
4. Usefulness of Rate Chasing in the Last 3 Years
5. The Best Free Internet Checking Accounts
6. Higher CD Rates at Privately Insured Credit Unions
7. Deciding Between Short-Term and Long-Term CDs
8. Best Bank Accounts for a Future of Uncertain Interest Rates
9. Automatic Renewals Can Be Costly for CD Investors
10. Can Reward Checking Remain a Good Alternative to Internet Banks?
11. Another Credit Union Increases Early Withdrawal Penalty on Existing CDs
12. What to Do with Maturing CDs? Choosing Long-Term CDs with the Highest Rates

Here is hoping that 2013 starts well and brings us all happiness, health and prosperity in our lives.