Yearly Archives: 2022

Best for no-penalty CDsMarcus by Goldman Sachs$500Minimum depositBest for CD ladderingDiscover Bank$2,500Minimum depositBest for bump-up CDsAlly Bank$0Minimum depositBest for rate guaranteeSynchrony Bank$0Minimum depositby Rachel Christian, CEPF®Senior Writer A certificate of deposit — CD for short — is a low-risk savings account that holds a fixed amount of money for a certain time, such as six months, one year or five years. During that time, your deposit earns a fixed interest

by Nicole DowSenior WriterAdjusting to a fixed income in retirement can be a challenge — especially if you’re living off less money.Just because you stopped working doesn’t mean you stop paying bills and buying groceries. If you’re planning vacations or trips to the golf course — those are extra costs to budget for.“You could easily spend more money [in retirement] because you have more time you want to enjoy,” Droucelle

by Nick FriedmanBranded Content EditorWhy pay for something if you can get it for free?That goes for job candidates, too. Why pay money to post a job opening when you can do it for free? There are plenty of free job-posting sites where you can find new employees without spending a dime.Ah, but that’s the problem. There are so many of these free job posting sites now. It seems like

by Timothy MooreContributor From a gallon of gas to a gallon of milk, the cost of everything is going up. The price of caring for our pets has not been immune to rampant inflation. A 2022 survey conducted by Rover found that 71% of dog owners say their pet care costs have gone up due to inflation. And these costs are affecting most families across the US: More than seven

by Mike BrassfieldSenior WriterDo you need to find some new employees? If you’re looking to hire someone, you’ll quickly find yourself overwhelmed by all the different ways there are to do that.There are so many different job boards and online recruiting platforms, and they come in all shapes and sizes. How are you supposed to know which one is best for your needs?We were curious, so we did a side-by-side

by Nicole DowSenior WriterIt’s easy to feel disconnected from your finances when you spend money with the swipe of a card or the tap of a button on your smartphone.But when you’re mindful of where your money goes, you can cut down on unnecessary spending and put more cash toward your savings goals.Kakeibo, a long-standing Japanese budgeting method, attempts to help people become more cognizant of their spending habits and

by Robert BruceSenior Writer After a rough couple of years, the cruise industry is on the rebound in 2022.  Boats are almost at full capacity and cruise passengers are flying to ports across the country to travel to the Caribbean, Alaska, Europe, scenic inland rivers and more.  But one question remains before you board that long-awaited cruise and unwind with a fancy umbrella drink: Are you paying too much for

by Veronica MatthewsContributor In a time when cursive handwriting has faded from many classrooms, calligraphy is making a surprising resurgence. While carefully hand-lettered invitations, place settings and envelopes tend to be reserved for weddings, many calligraphers find themselves working on a variety of celebrations and other projects. Maybe you’ve always received compliments about your handwriting or practiced calligraphy as a hobby over the years. The time may be right for

Real Answers for Life’s Money Challengesby Robin Hartill, CFP®Senior EditorI am 29 years old with almost $100,000 in student loan debt, the majority of which is from my master’s degree. Most of my loans are federal, but I also have around $10,000 in private student loans. I’ve been consistently paying my loans since finishing grad school, but I feel like I will never pay down what I owe. I’ve also

by Michael ArchambaultSenior Writer If you own a Samsung Galaxy device, there’s a strong probability that your device supports Samsung Pay, the company’s mobile payment and digital wallet service. Using Samsung Pay, you can leave your credit and debit cards — even your loyalty cards — in your purse, bag or wallet. Simply tap your smartphone or watch to a payment terminal and, tada, you’ve paid. Samsung has been offering