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About a year ago, I wanted to talk to my mom about her estate planning and financial needs. Get your estate planning in order firstBefore you even broach the topic of estate planning with your parents, get your own estate-planning ducks in a row. Approach estate planning with sensitivityRemember that estate planning is a delicate topic. In talking to your parents, Rivera suggests framing estate planning as the ultimate form of control and selflessness. Create an Estate Plan Online Trust & Will can help create an estate plan for you or your loved ones.

Persons: —, Valerie Rivera, Rivera, they're, You'll, you've Organizations: Service, FirstGen, Will Locations: America

☆ What Is a Soft Landing?
▼ + stars: | 2023-11-02 | by ( Aly J. Yale | ) www.wsj.com time to read: +4 min

But whether the central bank can meet its dual-objectives of slowing price growth and avoiding a recession—dubbed a “soft landing” by economists—remains to be seen. Threading that needle has proven to be quite elusive.”What is a soft landing? “The alternative to a soft landing is a hard landing,” Cirksena says. “How ‘soft’ that ‘soft landing’ is among citizens could vary widely,” he says. Will the Fed achieve a soft landing this time?

Persons: Aly J, —, ”, David Johnston, Bank of Japan —, Aaron Cirksena, you’ll, ” Cirksena, Peter C, Earle, Jerome Powell, “ Organizations: Yale, Federal Reserve, Wealth Management, European Central Bank, Bank of, MDRN, American Institute for Economic Research, Fed, Bank of America, Wall Street, National Bureau of Economic Research Locations: Flemington, N.J, U.S, Bank of Japan, Annapolis, Md

☆ 60% of Americans feel behind on emergency savings—a 'sunny day' fund can help, says CFP
▼ + stars: | 2023-11-02 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

More than 4 in 5 say they did not increase emergency savings this year, according to a recent survey from Bankrate, and 60% say they feel behind when it comes to saving for a rainy day. That's why, in addition to your traditional emergency fund, some financial pros recommend building a so-called sunny day fund of money you can spend guilt-free or put toward exciting opportunities. What's more, consider the sorts of expenses your emergency fund could potentially cover to give yourself some piece of mind. "Another would be cash to cover living expenses during the disability waiting period, or elimination period." How a 'sunny day' fund can help you reach your goals

Persons: Spenser Liszt, Andy Baxley, Liszt Organizations: Motif, Planning Locations: Bankrate

After my dad stressed the importance of saving, I decided to focus on different financial goals. NEW LOOK Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. download the app Email address Sign up By clicking “Sign Up”, you accept our Terms of Service and Privacy Policy . If you want to know how you find yourself living paycheck to paycheck, ignoring this advice is it. A bit of truth here: The thought of living paycheck to paycheck really scares me.

Persons: — Organizations: Service, Financial

☆ CD Rates and Savings Rates Today | Lock in Historic Rates Today
▼ + stars: | 2023-11-02 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A savings account often limits the number of monthly transfers, while a checking account doesn't. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

Persons: Banks, —, Cash, we've Organizations: BMO, Cash, Products, Columbia, Savings, Mission Valley Bank, Newtek, United States, Federal Credit Union, Western Alliance Bank Locations: —

☆ Best 6-Month CD Rates for November 2023
▼ + stars: | 2023-11-01 | by ( Martha C. White | ) www.wsj.com time to read: +7 min

Rates for short-term investments, including CDs, savings accounts and more, have grown steadily more generous in recent months with the Federal Reserve hiking interest rates to fight inflation. Best six-month CD ratesfor NovemberThe market for six-month CDs is large and, as a result, quite competitive. Our six-month CD rate picks reflect the best available on DepositAccounts, com, which tracks roughly 275,000 rates at more than 11,000 banks and credit unions. For instance, you could start out with a six-month CD, along with a one-year CD. When the six-month CD matures, you would then roll over that balance into a new one-year CD.

Persons: Martha C, Haviland, ”, Ken Tumin Organizations: Federal Reserve, Deposit Insurance Corp, Federal, FDIC, National Credit Union Administration

☆ CD Rates and Savings Rates Today | Rates Remain Steady with Fed Meeting Imminent
▼ + stars: | 2023-11-01 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

☆ Best 5-Year CD Rates for October 2023
▼ + stars: | 2023-10-31 | by ( Martha C. White | ) www.wsj.com time to read: +8 min

Best 5-year CD rates for NovemberA five-year CD is one of the more common CD terms available. Interest rates on 5-year CDs have not climbed as sharply this year as rates for CDs with shorter terms. Our CD rate picks reflect the best available five-year CD rates we found on DepositAccounts, com, which tracks roughly 275,000 rates at more than 11,000 banks and credit unions. You expect interest rates to fallThe current interest rate environment is great for savers, but if the U.S. economy slows, the Federal Reserve policy makers are likely to cut interest rates in order to stimulate the additional growth. These accounts’ interest rates are variable, so if prevailing interest rates decline, banks will cut their rates and you will earn less money.

Persons: Martha C, —, ”, Ken Tumin, Dillon Haviland Organizations: Federal Deposit Insurance Corp, Federal Reserve, TBH Advisors, FDIC, National Credit Union Administration Locations: U.S, Nashville, Tenn

☆ CD Rates and Savings Rates Today | Get the Top Rate for Your Deposits
▼ + stars: | 2023-10-31 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

Rodriguez and her four siblings grew up working on the farm and selling its products at farmers markets back in the city. Farm to operating tableThough she's close with her family, it was difficult breaking the news to her parents that she didn't want to continue working on the farm beyond high school, Rodriguez says. Her parents helped some, and she applied for scholarships, allowing Rodriguez to earn her bachelor's without taking on student debt. In fact, working with patients is one of the highlights of her work. How she spends her moneyEven after paying off her debt, Rodriguez has continued to save around 50% of her income.

Persons: Rodriguez, Chabely Rodriguez, Liam Mays, hasn't, CAAs, Andrea Desky, they're, undergrad, hustled, Donald Trump, I've, Gene Kim, HBO Max, she's Organizations: CNBC, CAA, Brooklyn College, District of Columbia, Nova Southeastern University, Housing, HBO, Toyota Corolla, YouTube Locations: Tampa , Florida, New York, Mexico, Brooklyn, Florida, Fort Lauderdale , Florida, anesthesiology, Costa Rica

☆ CD Rates and Savings Rates Today | Top CD Rates and Bank Account Bonuses Worth Over $2,000
▼ + stars: | 2023-10-30 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

☆ Most middle-income Americans still earn less than 3% on savings, survey finds
▼ + stars: | 2023-10-30 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Despite inflation concerns, most middle-income Americans still aren't leveraging higher interest rates for savings. That's according to a new Santander survey of roughly 2,200 middle-earning U.S. adults, conducted in early September. Some 64% of middle-income Americans are earning less than 3% on their primary savings account, the findings show. But a lack of awareness isn't the main reason why Americans aren't taking advantage of higher rates, according to the survey. However, some 36% of those surveyed have at least $10,000 in savings, Wennes pointed out.

Persons: Biden, Tim Wennes Organizations: Finance, Santander U.S Locations: Santander

I wanted to save more for retirement but needed $3,000 to invest in my chosen index fund, VTSAX. To save that money in two months, I started by selling items online and looking for windfalls. I sold stuff onlineWhenever I need extra money super quickly, I often turn to selling used items online. I saved my windfallsWindfalls are basically extra money, but I rarely ever just spend the unexpected cash without a strategy. Two months really flies by, and while $3,000 isn't a small amount to fork over, it was a nice start to help diversify my retirement savings.

Persons: —, Read, it's Organizations: Service, Vanguard, Market Index, Facebook Locations: VTSAX

☆ CD Rates and Savings Rates Today | Earn Over 5% on Checking, Savings and CDs
▼ + stars: | 2023-10-29 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

☆ CD Rates and Savings Rates Today | Find the Top Rate for Your Savings
▼ + stars: | 2023-10-28 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

☆ CD Rates and Savings Rates Today | New Top 5 Year CD Rate
▼ + stars: | 2023-10-26 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. CD rates aren't variable; the rate you get upon depositing your money is the rate you'll get for the length of your term. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

I asked a financial therapist how to get past my money anxiety. That's why I decided to meet with financial therapist Dr. Erika Rasure , to figure out how I can handle anxieties I have around making crucial money decisions. "Two common money scripts are 'I don't deserve money' and 'there is never enough money.' "Identify the fear, figure out what triggers it, and then choose an action that you're comfortable with," Dr. Rasure said. "Being flexible and creative, along with being authentic and vulnerable, can keep lines of communication open and reduce the likelihood that resentment will build up," Dr. Rasure said.

Persons: —, Erika Rasure, Rasure, spender, I've, doesn't, We've Organizations: Service

☆ CD Rates and Savings Rates Today | Historic Rates Equal Historic Returns
▼ + stars: | 2023-10-25 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

High-yield savings accounts have seen huge APYs in recent times, but those rates may not last forever. Earn top savings rates and manage it all with a single secure login. But when should you ease up on your savings accounts and consider investing your money instead? That can make investing much more attractive than a savings account — even in a high-yield savings account — if you have a longer time horizon. Alternatives to HYSAsYou don't have to decide between a savings account and investing in a retirement savings account — like a 401(k) or an IRA — or a taxable brokerage.

Persons: —, Banks, Laura Mattia, Steve Oniya, Oniya, Tony Corsino, Mattia, you'd Organizations: Treasury, Service, Federal Reserve, Advisors, OM Investments, Zen Financial

☆ A risk of 'cash stuffing:' You may forgo ‘the easiest money you are ever going to make,’ says analyst
▼ + stars: | 2023-10-24 | by ( Jessica Dickler | ) www.cnbc.com time to read: +2 min

Daniel Grill | Getty ImagesHow cash stuffing worksAfter gaining popularity on TikTok, more young adults are trying the so-called envelope method, or "cash stuffing," to stay on budget and out of debt. The premise is simple: Spending money is divided up into envelopes representing your monthly expenses, such as groceries and gas. When the cash in one envelope is spent, you're either done spending in that category for that month, or you need to borrow from another envelope. Some downsides of keeping cashStashing cash not only forgoes the protections that come with consumer banking, it may also leave you vulnerable to theft. Vet financial advice from social mediaFor consumers in search of sound financial advice, "there is a tremendous amount of education out there," said Howard Dvorkin, a certified public accountant and the chairman of Debt.com.

Persons: Daniel Grill, Ted Rossman, it's, McBride, we've, Matt Schulz, Schulz, Howard Dvorkin Organizations: FDIC

☆ CD Rates and Savings Rates Today | New Nationally Available 6% APY Savings Account Comes to Market
▼ + stars: | 2023-10-24 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

☆ Big Banks Are Making Huge Profits Off Today’s Savings Rates—Are You?
▼ + stars: | 2023-10-23 | by ( Mallika Mitra | ) www.wsj.com time to read: +6 min

That’s because many big banks have been playing a ‘do as I say, not as I do’ game with customers. Many large bricks-and-mortar banks pay even less—Wells Fargo, for example, pays 0.15% on its standard savings account while JP Morgan Chase pays 0.01%. Evergreen Bank—a locally-owned bank serving the Chicago suburbs—is currently offering a 5.25% APY on savings accounts, one of the best savings account rates for October. Compare that to what big banks offer and you can see the appeal of looking for alternatives to the big banks. For some of the current best interest rate deals, check out our list of the best savings accounts and CD rates.

Persons: Mallika Mitra, they’ve, ”, Mayra Rodriguez Valladares, Morgan Chase, Adam Stockton, you’ve, Susan Mitcheltree, ” Mitcheltree, Andrew Herzog, Herzog, Banks Organizations: Federal Reserve, JPMorgan Chase, MRV Associates, Wells Fargo, Evergreen Bank, Valley Bank, Signature Bank, First Locations: U.S, Wells Fargo, New York, Stockton, “, Baltimore, Plano , Texas, Chicago, —

☆ CD Rates and Savings Rates Today | 7% APY checking account still available
▼ + stars: | 2023-10-23 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

☆ CD Rates and Savings Rates Today | Find the best interest rates
▼ + stars: | 2023-10-22 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. High-Yield Savings AccountsThe best high-yield savings accounts provide the security of a savings account with the added bonus of a high APY. The best no-penalty CDs will offer rates slightly higher than the best high-yield savings accounts, and can offer a substantially improved interest rate over traditional brick-and-mortar savings accounts. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

☆ CD Rates and Saving Rates Today | Earn more on your bank deposits
▼ + stars: | 2023-10-21 | by ( Business Insider | ) www.businessinsider.com time to read: +8 min

With rates rapidly changing, how can you feel confident that you're getting the best savings account or best CD? Maximize your bonus by adding a personal checking account to earn up to an additional $600See more savings account bonuses »Leading Checking & Savings Combo Account BonusSofi Checking and SavingsEarn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. A checking account is like a hub for your money: If your paycheck is direct deposited, it's typically to a checking account. Certificates of DepositThe best CD rates may outpace any of the other accounts we've described above. 2-Year CDsThe best 2-year CD rates will be slightly lower than 1-year and no-penalty CD rates.

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