I'm pretty savvy when it comes to hunting down great certificate of deposit deals. Really, I'm tough to beat. It's just that when they end I can be lazy about closing accounts and moving the money again and again. Of course, in the end, this winds up costing me by not maximizing what I have.

For the longest time now I have had a good chunk of money sitting in a bank at 1% interest! Orginally, the promo was 5% for 5 months. Looks like I fell into the trap that most banks hope depositors like me might fall into. PROCRASTINATION.

Well, funny how people can think alike. In yesterday's paper I spy a bank ad touting a 5% money market account and save the page as a reminder for me to do something about this situation. Then this morning my brother calls me and says, "Hey, don't you have some $$$$ sitting in a account for next to nothing? My bank has a 5% money market. It's in the neighborhood so why don't you go over there?"

So now I really have NO EXCUSE when there are 2 banks to choose from.

It's like the forces of the universe are prodding me along a financial path!