The comments about low interest rates to savers are sadly true. This is part of the tragic fallout of the current Fed policy to help the big banks rebuild their balance sheets while hurting savers.
The best return for most people is to pay off any debt. Credit cards that charge you, say, 12% should never have a running balance. By paying the bill off, you implicitly are earning a 12% rate of return. OTOH, I’d guess you are already doing this.
