How to make the most of rising CD rates
As the Federal Reserve hikes interest rates, banks have been more generous in boosting yields on short-term certificates of deposit than on other types of deposit accounts. Even brick-and-mortar institutions — which lag Internet banks when it comes to pushing up rates on deposit accounts — are loosening the CD purse strings. Recently, with a $5,000 minimum deposit you could earn as... READ MORE
Ways to maximize returns on your cash
Savers with high cash balances face a conundrum: How can they earn competitive yields without sacrificing federal deposit insurance coverage? As the Federal Reserve raises interest rates, the question takes on greater urgency. Some banks are now offering yields north of 2 percent, which is the Fed’s inflation target, “so for the first time in more than a decade, savers are in a... READ MORE
Here’s how I size up which stock to buy
I like to buy shares when a company’s price-earnings ratio is less than the sum of its earnings-growth rate and its dividend yield. My goal is to find stocks that investors have mispriced — when the P in a P/E is too low, given a company’s prospects for increasing profits and its dividend payout. My formula is a version of the dividend-adjusted PEG ratio, long favored by Peter... READ MORE
Some answers to your Medicare questions
Learn the answers to some common Medicare questions, courtesy of the experts at Kiplinger’s Retirement Report and Kiplinger’s Personal Finance. Whether you’re already retired or just starting to plan for retirement, brushing up on your knowledge of Medicare will pay off. online pharmacy super-cialis buy with best prices today in the USA buy anafranil online buy anafranil online no... READ MORE
Fresh ways to save at the farmers market
The difference between the produce at farmers markets and supermarkets is more than “tomayto” versus “tomahto.” Plus, buying fresh fruit and vegetables at farmers markets offers opportunities to save money in ways you might not find at a grocery store. The produce sold at most supermarkets is typically harvested before it’s ripe, said Chris Curtis, executive director of Seattle ... READ MORE
Name beneficiaries to limit cost to heirs
An article appeared recently on the editorial page of the Wall Street Journal written by Warren Kozak, whose wife died earlier this year. Kozak indicated that his bankers had never recommended to him and his wife that they should name beneficiaries on their savings accounts. Kozak was under the false impression that the savings account in his wife’s name would automatically transfer to ... READ MORE
Freeze and unfreeze credit reports for free
Question: I’d like to freeze my credit record to protect against identity theft. I heard that Congress recently passed a law making credit freezes free. When can I get my free freeze? Answer: online pharmacy https://theclinica.ca/wp-content/uploads/2022/01/spiriva.html no prescription pharmacy A credit freeze prevents new creditors from reviewing your credit report, making it harder... READ MORE
Entrepreneurs find niche at farmers markets
Farmers markets benefit our communities on so many levels. They provide the opportunity to support local businesses, which keeps our money in our own communities. They enable us to cut down on the carbon footprint of our meals because the fruits and vegetables we buy do not travel as far to our tables. Farmers markets also strengthen our communities by offering the chance to socialize ... READ MORE
Get your feet wet in water-related funds
As natural resources go, oil tends to get more attention from investors than clean drinking water, even against the backdrop of headline-grabbing shortages in Flint, Michigan, South Africa and elsewhere. But a few funds are showing that investing in utilities and water infrastructure and technology companies can pay off, especially for long-term investors looking to diversify their... READ MORE
Why to always use at least one credit card
Certified financial planner David Rae said he used to think that “anyone who could draw breath” could get an auto loan. Then one of his millionaire clients tried to buy a car — and failed. The 42-year-old client was turned down for a loan because he had no credit scores, said Rae, who is based in Los Angeles. Nineteen million American adults are “unscoreable,” lacking enough ... READ MORE
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