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	<title>Comments on: Another month with no EF CD rollover</title>
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	<description>The driver behind our financial goals</description>
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		<title>By: No longer a need to ladder your emergency fund &#124; Geographic Independence</title>
		<link>http://geographic-independence.com/another-month-with-no-ef-cd-rollover/#comment-435</link>
		<dc:creator>No longer a need to ladder your emergency fund &#124; Geographic Independence</dc:creator>
		<pubDate>Sat, 27 Jun 2009 16:13:49 +0000</pubDate>
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		<description>[...] APY.  A 6-month term is 1.85% APY.  And a 3-month term is 1.25% APY.  Just days ago I did a survey of 6-month CD rates and found the highest I could find to be only 1.90% APY.  The &#8220;No Penalty&#8221; CD is [...]</description>
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