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It can be hard to figure out what bank accounts you should have, with all the different types of savings accounts and checking accounts there are. While there are some high-yield checking accounts, the vast majority of checking accounts don't earn interest. Savings AccountsSaving accounts, unlike checking accounts, generally let you earn interest, with the best high-yield savings accounts earning more than 4% annual percent yield. Ideal Number of Bank AccountsUltimately, the number of bank accounts you need will depend on your individual financial goals. Multiple Bank Account FAQsWhy might someone need more than one bank account?

Persons: you'll, We've, Jerel Butler, Christopher Stroup, Stroup, Butler, you've Organizations: Zenith Wealth Partners, Abacus Wealth Partners

☆ What Delta passengers are entitled to in terms of compensation
▼ + stars: | 2024-07-23 | by ( Marnie Hunter | ) edition.cnn.com time to read: +7 min

And some weary, frustrated passengers were still trying to reconstruct travel plans or abandon them for compensation. Here’s what we know about what they’re entitled to and how passengers can make claims with the airline. What are Delta passengers entitled to? Delta lists a “right to a refund upon request” in a Monday afternoon update on what it’s doing to serve affected customers. Some passengers reported six-hour waits, and many affected passengers had trouble securing food and lodging over the weekend.

Persons: Pete Buttigieg, “, ” Buttigieg, Buttigieg, ”, ” Delta, CNN’s Chris Isidore, Isabel Rosales, Amanda Musa Organizations: CNN, Delta Air Lines, Department of Transportation, Delta, of Transportation, Transportation, Delta’s, Atlanta’s Hartsfield, Jackson, “, ”, USDOT, Baggage Service, Service, Command Locations: Delta, Atlanta

How NCUA insurance compares to FDIC insuranceNCUA insurance is the credit union equivalent of FDIC insurance, which protects bank deposits. If your credit union does close, the NCUA will transfer your insured money to another credit union that's federally insured. NCUA insurance FAQsWhat exactly is NCUA insurance and how does it protect me? How does NCUA insurance compare to FDIC insurance? NCUA insurance is the credit union equivalent of FDIC insurance.

Persons: Here's, IRAs Roth IRAs KEOGH, Money that's, Roth IRAs, KEOGH, you'll, Keough Organizations: Federal Deposit Insurance Corporation, National Credit Union, National Credit Union Share Insurance, NCUA Credit, National Credit Union Administration Locations: Chevron

Typically if one bank account owner dies, the surviving owner gets sole control of the account. IntroductionOpening a joint bank account is different from opening up an individual bank account. Both owners have full access to a bank account, and joint bank account rules also dictate specific actions if one owner dies. Rights of survivorshipWhen you're opening up a new bank account, you'll receive a bank account agreement that lists the bank's conditions and rules. A joint bank account beneficiary can't set up direct deposits, make withdrawals, or view your bank account when you're alive.

Persons: you'll, Sophia Bera Daigle, —, Bera Daigle, Bera Daigle doesn't, there's Organizations: Gen, Insurance

You'll receive a notice from your bank when your CD maturity date is approaching. We'll explain the CD maturity process and what to do when a term ends so you know your options. What happens at CD maturityWhen a CD reaches maturity, that means your term is about to end. What the CD grace period meansFinancial institutions will specify in the bank account agreement a grace period to make changes to your account. The most common CD maturity dates range from six months to five years after you open an account.

Persons: You'll, Banks, you've, Marcus, you'll, Alvin Carlos, Carlos Organizations: Alliant, of America, Bethpage Federal, Chase, Citi, Federal Credit, PNC, Federal, Savings, Synchrony, Truist, CFA, District Capital Management, Governors, Federal Reserve, Bank Locations: Bethpage, Wells Fargo

The average interest rate on a 6-month CD is 1.81% APY (Annual Percentage Yield), and the average rate for a 1-year term is 1.85% APY. The hunt for CDs offering 7% APYRight now, there aren't any financial institutions offering 7% interest on a CD. Here are factors to consider when making your choice:Interest rate: Look at the CD's interest rate and how often the bank compounds interest. Look at the CD's interest rate and how often the bank compounds interest. 7% APY CD FAQsAre there really CDs offering 7% APY?

Persons: Banks, you'll Organizations: California Coast Credit Union, Financial Partners Credit Union, Federal Reserve Locations: California, San Diego, Riverside, California Coast, Chevron

☆ A storm chaser on what 'Twisters' gets right and wrong
▼ + stars: | 2024-07-23 | by ( Jenny Mcgrath | ) www.businessinsider.com time to read: +6 min

Jen Walton, a storm chaser from Denver, has already seen the new film twice and loved many of the nods to the original movie, the accuracy of the tornado science, and the appreciation for storm chasers. But eventually, she got over her fear and has been chasing storms for the last six years. AdvertisementIt mostly happens in Texas and Oklahoma, where storm chasing is the most popular, she said. Many may not remember the 2013 El Reno storm when four storm chasers were killed, she said. That's why Girls Who Chase, the initiative Walton started to support women in STEM fields, offers Storm Chasing 101.

Persons: —, Jen Walton, Walton wasn't, Daisy Edgar, Jones, Tyler, Glen Powell, Melinda Sue Gordon, Amblin Entertainment Walton, Glen, Tyler Owens, Walton, Sue Ogrocki, Owens, Katie Carter, she's, Chase Organizations: Service, Business, Universal Pictures, Warner Bros . Pictures, Amblin Entertainment, YouTube, Storm, El Locations: Denver, Oklahoma, Texas, El Reno

☆ Meet Sunny Choi, the Estée Lauder director who left corporate America to pursue breaking – the Olympics' newest sport
▼ + stars: | 2024-07-23 | by ( Mykenna Maniece | ) www.businessinsider.com time to read: +2 min

Choi continued breaking while navigating corporate America. Olympics.com reported that breakers' moves fall into three elements: top rock, down rock, and freezes. Top rock refers to moves done while standing, such as a Crossover Step or an Outlaw Two-Step, while down rock refers to the moves done on the floor that we commonly associate with this style of dance. "It adds this element of surprise because the thing is, we don't even know what's going to happen, so how could the audience know what's going to happen?" Choi said breaking is also different from other sports because it doesn't have "a traditional history of having coaches."

Persons: Choi freestyles, Choi, Nathan Congleton, she's Organizations: NBC, Getty

Major purchases and loansLenders often require between one month and a year's worth of bank statements for loan applications. If you're short on computer storage, consider storing your digital bank statements in an encrypted manner on Google Drive or iCloud. Keeping bank statements FAQsWhy is it important to keep bank statements? You should keep bank statements for at least seven years, in case the IRS needs to verify transactions during an audit. Keeping digital copies of your bank statements is increasingly preferred to keeping physical copies.

Persons: Patrina Dixon, Dixon Organizations: Google

Prepaid debit cards or gift cards are easy ways to send money to someone without a bank account. Prepaid debit cards and gift cardsAccording to a 2021 FDIC study, nearly a third of unbanked households commonly use prepaid debit cards. Tips for sending money to someone without a bank accountWhen sending money to someone without a bank account, Marguerita Cheng, CFP® professional, RICP, and CEO of Blue Ocean Global Wealth, suggests comparing different options to find the best for your situation. Money transfer services, prepaid debit cards, gift cards, and digital payment apps or digital wallets are alternatives to sending and receiving money without a bank account. International money transfer services, such as those offered by Western Union or MoneyGram, can help you send money securely to someone without a bank account who lives overseas.

Persons: Venmo, It's, Marguerita Cheng, Cheng, you'll, You'll, you'd, Avanzamos Organizations: PayPal, Venmo, Apple, FDIC, CFP, Blue, Bank, Western Union Locations: Western Union, Western, Chevron

In order to qualify for the Navy Federal More Rewards American Express® Card, you must be a member of the Navy Federal Credit Union. If you're a Navy Federal Credit Union member and are seeking a card with a traditional welcome offer in the form of points or cash back, other comparable options include the Navy Federal Credit Union Visa Signature® Flagship Travel Rewards Credit Card and the Navy Federal Credit Union cashRewards Credit Card. How to earn rewards from the Navy Federal More Rewards cardThe Navy Federal More Rewards American Express® Card features an impressive rewards structure — akin to notable cards such as the Chase Sapphire Preferred® Card, Citi Strata Premier℠ Card , and American Express® Gold Card. Cardholders can earn 3x points at restaurants and on food delivery, 3x points at supermarkets, and 3x points on gas and transit. Navy Federal More Rewards American Express card benefits and featuresThe Navy Federal More Rewards American Express® Card won't overwhelm you with robust benefits like airport lounge access or hotel elite status, but it does feature several noteworthy perks.

Persons: you'll, Cardholders, cardholders, Price, Chase Organizations: Business Insider, Citi, Premier, Navy Federal Credit Union, Navy, National Guard, Department of Defense, DOD, Credit, Walmart, Navy Federal Credit, Chase, Card, Citi Strata Premier, American Express, Federal Credit Union, Federal, Navy Federal, American, Chase Travel, Target, thankyou.com, Citi Entertainment, Mastercard Locations: Booking.com

Fidelity Rewards Visa Signature OverviewIf you're new to investing and want a hands-off way to earn (and invest) rewards from your everyday spending, the Fidelity® Rewards Visa Signature® Card is an easy starting point. Fidelity Rewards Visa Credit Card RewardsWith the Fidelity® Rewards Visa Signature® Card, you'll earn 2 points per dollar you spend on every purchase. Fidelity Rewards Visa Signature Card Benefits and FeaturesNearly all of the Fidelity Visa card's benefits come as a function of being a Visa Signature card, which includes travel benefits, extended warranty, and lost luggage reimbursement. Fidelity Rewards Visa Credit Card Annual Fee and Other CostsThe Fidelity® Rewards Visa Signature® Card has a $0 annual fee, so you won't pay anything to keep it long-term. Why You Should Trust Us: How We Reviewed the Fidelity Rewards Visa Signature CardTo review the Fidelity® Rewards Visa Signature® Card, we followed our credit card rating methodology.

Persons: you'll, Roth, —, I've, Schwab Organizations: Business Insider, Citi, Fidelity, Roth IRA, Fidelity Visa, Fidelity Cash Management, Elan Bank, Wells, Cash Locations: Sonoma County, New York

The American Airlines AAdvantage® MileUp® is best for people who travel infrequently or are just beginning to collect American Airlines miles. Citi AAdvantage MileUp card RewardsHow to Earn Miles With the Citi AAdvantage MileUp CardThe American Airlines AAdvantage® MileUp® doesn't have a lot of bonus spending categories, but its structure is straightforward. Cardholders earn:2 miles per dollar on eligible American Airlines purchases (including AA.com, American Airlines reservations, American Airlines Admirals Club, American Airlines Vacations, and American Airlines airport and city ticket counters)2 miles per dollar at grocery stores (supermarkets, freezer/meat locker provisioners, dairy product stores, miscellaneous food /convenience stores, markets, specialty vendors, and bakeries)1 mile per dollar on all other eligible purchasesHow to Use American Airlines MilesAmerican Airlines miles are easy to use for the most part. AAdvantage MileUp Card Benefits and FeaturesThe American Airlines AAdvantage® MileUp® doesn't have many stand-out benefits. The discount is valid on American Airlines flights, plus American Airlines-marketed flights on Envoy Air, Republic Airways, SkyWest Airlines, Mesa Airlines, PSA Airlines, and Piedmont Airlines.

Persons: AAdvantage, you'll, you'd, You'll Organizations: Business, American Airlines, Citi ®, Mastercard, Airlines, American, Citi, Citi AAdvantage, American Airlines Admirals Club, American Airlines Miles American, U.S, Oneworld, Alaska Airlines British Airways Cathay, Iberia Japan Airlines Malaysia Airlines Qantas Qatar Airways Royal Air Maroc Royal Jordanian Airlines S7 Airlines, Air, China Southern Airlines, Etihad Airways, Fiji Airways, Hawaiian Airlines, Silver Airways, Admirals Club, Envoy Air, Republic Airways, SkyWest Airlines, Mesa Airlines, PSA Airlines, Piedmont Airlines, Card American Locations: Hawaii, Europe, Asia, Miami, Madrid, Iberia, Air Tahiti Nui, Cape Air, GOL Airlines

It's also for that reason that the best savings account bonuses are typically smaller than checking account offerings. How bank account bonuses workEarning a bank account bonus is typically a straightforward process. Benefits of bank account bonusesYou can earn a cash bonus when you open a bank account just by completing the bank's promotional requirements. How to maximize the value of bank account bonusesYour greatest risk of not earning a bank bonus is misunderstanding the conditions set by the bank. Common Bank Account Bonus FAQsWhat should I look for in a bank account bonus offer?

Persons: Banks, You've, Jay Zigmont, It's, it's, doesn't, Zigmont, you've Organizations: Childfree, Chevron

You can keep money in a bank account during a recession and it will be safe through FDIC and NCUA deposit insurance. Up to $250,000 is secure in individual bank accounts and $500,000 is safe in joint bank accounts. If you're concerned about whether money is safe in a bank during a recession, there's good news — your money will be likely secure in a bank account. Savings accounts, checking accounts, money market accounts, and CDs are examples of federally insured bank accounts. Up to $250,000 is secure in individual bank accounts, and $250,000 is protected per owner in joint bank accounts.

Persons: they're, Jeffrey Miron, Miron, Charles Calomiris, Maggie Gomez, Maggie, Gomez, You'll, Banks Organizations: FDIC, Pew Research, Federal Deposit Insurance Corporation, Harvard University, Columbia Business School, National Credit Union Administration, Bank, doesn't Locations: U.S, United States, Chevron

CD rates on terms of 12 months or less are currently higher than most longer-term CD rates. Opening a certificate of deposit (CD) can be a solid way to lock in predictable growth on your savings. This list specifically includes terms of 12 months or less because short-term CD rates are currently higher than long-term CD rates. 5% interest CD FAQsCan I easily find CDs offering 5% interest? Do all 5% interest CDs have high minimum deposits?

Organizations: Federal Deposit Insurance Corporation, Federal Reserve, Federal Locations: U.S, Chevron

To earn 1.75% cash back, you must have direct deposit with Navy Federal Navy Federal Credit Union cashRewards Credit Card review External link Arrow An arrow icon, indicating this redirects the user." Navy Federal cashRewards OverviewThe Navy Federal Credit Union cashRewards Credit Card is ideal for credit union members looking for a simple yet reliable card. To be eligible for the Navy Federal Credit Union cashRewards Credit Card (or any card from Navy Federal), you'll need to be a member of the credit union. How to use rewards from the Navy Federal cashRewards cardRedeeming your cash-back rewards is easy with the Navy Federal Credit Union cashRewards Credit Card. Navy Federal cashRewards card benefitsFor a no-annual-fee cash-back card, the Navy Federal Credit Union cashRewards Credit Card comes with a decent selection of lifestyle and travel benefits.

Persons: you'll, Cash, you've, cardholders, you'd, You'll Organizations: Business Insider, Citi, Navy Federal Credit Union, Navy, Credit, Walmart, Navy Federal Navy Federal Credit Union, Navy Federal, National Guard, Department of Defense, DOD, Mastercard, Federal Credit Union, Federal, Visa, Card, Chase Travel ℠, Citi Entertainment, Navy Federal Union, of Defense

While most checks clear within two business days or less, banks can place longer holds on checks for a variety of reasons. Banks place holds on checks to make sure that the check payer has the bank funds necessary to clear it. Eligible checks include cashier's checks, certified checks, teller's checks, and government checks. FAQsWhy do banks place holds on checks? Banks place holds on checks for a number of reasons, and it doesn't mean the deposit won't ever go through.

Persons: Banks, what's, they've Organizations: Federal Reserve, US Postal Service, Chevron

New accounts have monthly fee waived for the first 6 monthsCheck mark icon A check mark. Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 /5 Icon of check mark inside a promo stamp It indicates a confirmed selection. Offer valid through September 26, 2024. up to $450 (offer valid through September 26, 2024) Pros Check mark icon A check mark. No fee overdraft protection transfers from a linked deposit accountCheck mark icon A check mark. $50 overdrawn Available Balance safety threshold and Overdraft Fee Forgiven programCheck mark icon A check mark.

The information for the following product(s) has been collected independently by Business Insider: U.S. Bank Cash+® Visa® Secured Card, U.S. Bank Cash+® Visa Signature® Card. U.S. Bank Cash Plus Secured Card Annual Fee and Other CostsThe U.S. Bank Cash+® Visa® Secured Card is a $0-annual-fee card. U.S. Bank Cash+ Visa Secured Card ComparisonU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Secured Visa CardThe U.S. Bank Secured Visa® Card has fewer frills than the U.S. Bank Cash+® Visa® Secured Card; you won't earn any rewards on your spending, and as far as extra benefits go, you get free access to your credit score and that's about it. Read our U.S. Bank Secured Visa Card reviewU.S. Bank Cash+ Visa Secured Card vs. U.S. Bank Cash+ Visa Secured Card Frequently Asked QuestionsIs the U.S. Bank Cash Plus Visa Secured Card worth it?

Persons: You'll, That's, You've, It's, you've, you'll, —, it's Organizations: Business Insider, U.S . Bank, Bank, U.S, Rewards, EV, Bank Cash, Visa, Department, Sporting, Travel, Gas, . Bank, Card, U.S . Bank Cash, Finance Locations: U.S

Cashier's check requirementsTo get a cashier's check, you'll need to provide the personal information of your check recipient. Here's an overview of how much a cashier's check costs at some of the biggest banks:What to do if your cashier's check is lost or stolenIf your cashier's check is lost or stolen, call your bank as soon as possible to let them know. According to the Office of the Comptroller of Currency, you could ask the person who gave you the cashier's check to buy you another cashier's check. How to avoid cashier's check scamsReal cashier's checks are one of the safest forms of payment, but cashier's check scams do exist. Cashier's Check FAQsHow does a cashier's check work?

Persons: they've, you've, Chase, Wells Organizations: Chevron, Currency, Navy Federal Credit Union Locations: Chevron

Mortgage rates are up slightly today but they remain below their early-July highs. Mortgage rates are expected to trend down throughout the remainder of 2024 as long as inflation continues to slow. As mortgage rates drop, borrowers with rates in the 7% or 8% range should be able to save money by refinancing. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. As inflation slows and the Federal Reserve is able to start cutting the federal funds rate, mortgage rates are expected to trend down as well.

Persons: Fannie Mae Organizations: Zillow, Federal Reserve, Mortgage, Association, ARM Locations: Chevron

Wells Fargo Autograph Card OverviewThe Wells Fargo Autograph℠ Card offers various benefits including cellphone protection and car rental insurance. How the Wells Fargo Autograph Card ComparesWells Fargo Autograph℠ Card vs. Wells Fargo Active Cash® CardThe Wells Fargo Active Cash® Card is another very popular Wells Fargo credit card. Wells Fargo Autograph℠ Card vs. Wells Fargo Autograph Journey℠ CardThe Wells Fargo Autograph Journey℠ Card is the newest iteration of this popular travel rewards card. Despite the $95 annual fee, the Wells Fargo Autograph Journey℠ Card offers significantly more perks for frequent travelers than the Wells Fargo Autograph℠ Card. Wells Fargo Autograph Card Frequently Asked QuestionsIs the Wells Fargo Autograph card worth it?

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☆ Opinion: Why you should pay attention to the role of race in sport during this summer’s Olympics
▼ + stars: | 2024-07-23 | by ( Opinion Keith Magee | ) edition.cnn.com time to read: +9 min

CNN —For many nations — not least the US — the upcoming Paris Olympics will take place against a background of deep political and social division. If you saw any of the European Athletics Championships events last month, you may well have been struck, as I was, by just how many Black athletes featured on podiums. At the Summer Olympics, the USA team will also feature numerous Black athletes, including gymnast Simone Biles, sprinter Sha’Carri Richardson and the (current) fastest man on earth, Noah Lyles. As you watch the Olympics this summer, take note of the sports in which Black people represent the USA and European countries. So no, Black athletes are not naturally better at some sports — they take the narrower opportunities open to them and work incredibly hard on their self-belief to make it to that podium.

Persons: Keith Magee, Keith Magee Arron Dunworth Terry Shoemaker, Emmanuel Karalis, Malaika Mihambo, Nikolas Liepins, Simone Biles, Sha’Carri Richardson, Noah Lyles, Mujinga Kambundji, Italy's Zaynab, Ewa Swoboda, Artur Widak, Zaynab Dosso, Ana Peleteiro, Owen Ansah, Paola Egonu, Le, Aya Nakamura, Edith Piaf, disheartening misogynoir, Lewis Hamilton, Tiger Woods, Venus Williams, you’ll, —, laud Organizations: University College London Institute for Innovation, Newcastle University Law School, CNN, Arizona State University, European Athletics, women's U.S, Getty, Summer, USA, Trump, European Union Agency for Fundamental Rights, Paris Olympics, Franco, United Nations, Serena Locations: Swiss, women's, Anadolu, Europe, Italy, Poland, Paris, France, Spanish, Italian, Nigerian, Malian

Amazon Prime Credit Card OverviewFormerly known as the Amazon Prime Rewards Visa Signature Card, the newly renamed Prime Visa is a great choice for anyone who spends a lot on Amazon, Whole Foods, or both. Prime Visa Annual Fee and APRAnnual FeeThe Prime Visa doesn't have an annual fee. Prime Visa Card ComparisonThe Prime Visa is a great card if you make most of your household purchases from Amazon and/or Whole Foods. Amazon Prime Credit Card Frequently Asked QuestionsWhat are the main benefits of the Amazon Prime Rewards Visa Card? Do I need an Amazon Prime membership to apply for the Amazon Prime Visa?

Persons: Cardholders, Chase, —, you'll, Wells, it's Organizations: Business, Amazon, Foods, Chase Travel, Visa, Amazon.com, FDIC, Amazon Prime, Read, Emergency, Chase, Chase Travel ℠, Wells, American, American Express, Global, Amex Locations: U.S, Wells

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