<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/50cb50d5-73ff-4d2d-acce-b9aa1ac0bfb4/3CCF7E2C-1F27-4A24-A052-246A3D1657DF/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://www.fool.com/investing/general/2009/09/17/do-these-3-things-before-the-recovery-comes.aspx" href="http://www.fool.com/investing/general/2009/09/17/do-these-3-things-before-the-recovery-comes.aspx" style="font-size: 11px;">www.fool.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.fool.com/investing/general/2009/09/17/do-these-3-things-before-the-recovery-comes.aspx"><P> <STRONG>2. Keep your cash liquid.</STRONG> <BR />The situation is much different for savers. Those with money in the bank have seen rates on one-year CDs fall from more than 5% in 2007 to less than 2% today. Even those willing to commit their money for longer periods of time aren't seeing big rewards; the average five-year CD yields just 2.87%. And even the top deals from institutions like the bank units of <STRONG>Discover Financial</STRONG> <SPAN class="ticker">(NYSE: <A class="qsAdd qs-source-isssitthv0000001" href="http://caps.fool.com/Ticker/DFS.aspx">DFS</A>)</SPAN> and <STRONG>AIG</STRONG> <SPAN class="ticker">(NYSE: <A class="qsAdd qs-source-isssitthv0000001" href="http://caps.fool.com/Ticker/AIG.aspx">AIG</A>)</SPAN> can't break the 3.5% level on a five-year CD.</P></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.fool.com/investing/general/2009/09/17/do-these-3-things-before-the-recovery-comes.aspx"><P>If interest rates rise, you'll regret having locked up your money in a long-term CD. Right now, you're not getting enough extra return to justify the risk of seeing rates go up. If you <A href="http://www.fool.com/personal-finance/saving/where-to-park-your-cash.aspx">invest in shorter-term CDs</A>, or even bank savings accounts, you may earn less money now, but you'll be in a position to reap the benefits of higher rates immediately when they come.</P></blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/3CCF7E2C-1F27-4A24-A052-246A3D1657DF/blog/" title="blog or email this clip"><img src="http://content9.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>

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