Certificate of Deposit (CD) rates have experienced a dramatic rollercoaster over the past decade, from historic lows during the COVID-19 pandemic to reaching heights not seen in over 15 years. This comprehensive analysis examines three critical benchmarks: national average CD rates, the absolute best rates available from top online banks, and—most importantly—the “reasonable rates” that real consumers can realistically achieve with moderate effort.
Author: Thomas D. Gier, CSA, CFEd., BA
Objectives and Constraints. The Math Isn’t Always Intuitive.
Retirement Withdrawal Analysis – Optimized Retirement Withdrawal Analysis Monte Carlo simulation for Savings Cash Flow Sustainability Analysis Period (Years): Monte Carlo Simulations: 100 simulations500 simulations1,000 simulations5,000 simulations Starting Balance: Annual Withdrawal: Unprotected Min Return (%): Unprotected Max Return (%): Protected Min Return (%): Protected Max Return (%): Max Consecutive Negative […]
Good News in Cancer Research
The (AI) Companions Are Arriving…
“ElliQ is a voice operated care companion aimed at keeping older adults active, connected and engaged. ElliQ encourages seniors to take better care of themselves socially, physically and cognitively.”




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