Saving money options

Savings accounts: Here are some of the different accounts that you can open to save money.

Standard: The tried-and-true. This is the type of savings account most Americans have. Some have zero or low minimums. Do this if…you’re starting out and don’t have a lot of money to put into the account. Interest rates are low on standard accounts. Don't leave too much here, though...just enough to cover an emergency. You are just costing yourself a lot of money in lost interest.
CD: This is a certificate of deposit. Banks often let you open a special kind of account with better rates than you would get in a regular savings account. But you have to keep your hands off that money for a certain amount of time (usually a few months up to a few years). Do this if…you won’t need to access that money for the period, and you want a “can’t touch this” way for your cash to earn interest.
High-yield savings account: An account where you put more in and get more back. The interest rates are often higher, but you usually need to invest a certain amount to get one. Do this if…you have more money to invest and want the flexibility of withdrawing it at any time.

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Male logic joke

*This is a story which is perfectly logical to all males:* A wife asks her husband, "Could you please go shopping for me and buy one carton of milk, and if they have eggs, get 6." A short time later the husband comes back with 6 cartons of milk. The wife asks him, "Why the hell did you buy 6 cartons of milk?" He replied, "They had eggs."

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