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Some surprising help turned my long search for new windows into a low-cost (or lower-cost) reality

by Darci Swisher on August 04, 2014

I was clicking around the Groupon app one evening on my iPad when I ventured beyond the food and drink deals I normally scout to ones for home services.

I expected to find discounted housecleaning, not a significant savings on windows and installation.

But two months later, five new vinyl replacement windows graced our condo — purchased in part with a $1,999 Groupon.

My husband and I had been eyeing new windows for the rear of our home for some time.

When our century-old Chicago home was rehabbed in 1984, the majority of its windows were “updated” with aluminum windows.

Thirty years later, they were a struggle to open. If you did manage to push one up, it wouldn’t stay up.

The pane would come crashing down the second you let go of it. On every aluminum window, the balance — that handy mechanism inside a window that keeps it open — was kaput.
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Can CDs be a good place for your emergency fund?

by Darci Swisher on April 21, 2014


If your emergency fund is sitting in a savings account that pays virtually nothing you might consider investing those dollars in a certificate of deposit.

CDs are just as safe and you’ll earn a little more interest.

The only caveat is that you’ll have to make sure you don’t get hit with stiff early withdrawal penalties should you need access to those funds before the maturity date.

And let’s face it, you never know when an emergency will pop up and you’ll be relieved you have six months or so worth of expenses socked away.

(How much do you need to have available? Take a look at our plan for setting your emergency fund amount.)

So what CD should you choose?

To make a CD worthwhile, you’ll need one that beats the top nationally available savings rate, which has been stuck at 1.01% APY for more than a year.

To achieve that return you’ll probably need to commit your money to at least a 2-year CD.

Search Bankrate’s regularly updated database of the best CD rates to see how much you can earn.
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