Question: Responding to "@78 yrs of age, place to put a mortgage payout beside the coffee can in the garden." [That part was a joke.] I am not nearly as well off as J.L. in Seattle, WA, having spent my earning years as an English professor, but I am happy with the savings rates offered online. I'm now in Ally, but I tell anyone who's interested to go to Bank Rate and look at the banks sorted by savings rates. It takes only three days' turnaround to have as much or as little transferred to my local bank branch. Do you agree, or do you have a better idea? Rebecca, St. Simons Island, GA

Answer: Right now, staring out my office window at the snow covering the ground all I can think about is how wonderful it must be to walk around St. Simons Island. Okay, enough on the reverie. The question and answer you're referring to was posted on Dec. 23, 2009. I think checking out savings rates at is fine. As readers of Getting Personal know I like federally insured online savings accounts. The rates are typically better than the offerings of their brick-and-mortar peers.

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