 only very recently have some of the highest yields begun to move lower. On traditional savings accounts, they're about 5% or so, but the average savings account pays only one-half of 1% annually. The battle against inflation is still in progress. The Federal Reserve has signaled that its benchmark interest rate could begin to come down this year. The timing is uncertain, and the magnitude of rate cuts is another question. For more, check out Bankrate.com. I'm Mark Hamrick.