In a previous article, I discussed two powerful tools that servicemembers have for retirement preparation: the US Military Pension and the Thrift Savings Plan (TSP).  In this article, I'll cover one more: the Department of Defense Savings Deposit Program (SDP).

The SDP is a zero-risk savings account with a guaranteed 10% interest rate on deposits up to $10,000, only available to members of the uniformed services deployed in designated combat zones and receiving Hostile Fire/Imminent Danger Pay (HFP/IDP).

If you're eligible, this is the best deal in town.

If you're not already using Google Wallet to transfer money for free to anyone with a Gmail address, this is your royal invitation.  This service wipes out any reason for a non-business individual to use Paypal, Amazon WebPay, Popmoney, Venmo, &etc.  Never annoy your friends or family with the inconvenience of cashing a paper check again.