Rates on the short end of the yield curve continue to increase. As 2018 begins, I’m reviewing yields and considering ways to modestly increase returns on patience. Below is a link to U.S. Treasury yields. Treasury bills are now yielding above most online saving accounts and money market funds (3-month 1.4%; 6-month 1.58%; and 12-month 1.80%). The yield on the 12-month Treasury is 98 basis points higher than a year ago.