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This article is by staff writer Honey Smith.

Speaking about building wealth, J.D. Roth felt that he could never make this point emphatically enough: “Frugality is important, but if you want to make real progress, increase your income.” It’s in this context that being able to ace an interview becomes a very important skill. And certainly part of the interview process should include your asking questions of a prospective employer to make sure that the…


This article is by staff writer Holly Johnson.

How are you saving on spring break? A few weeks ago, I attended a daytime get-together comprised mostly of mothers of school-aged children. With spring break approaching, the topic inevitably came up, to which everyone in the room simultaneously let out a grunt of frustration. Unlike some parts of the country, our school system works on a modified year-round schedule. So instead of one week of…


This article is by staff writer William Cowie.

If you have ever heard talk of Quantitative Easing (QE) and “tapering,” you may have been left wondering what it is exactly. The terms are bandied about so frequently these days that it is rather difficult to parse out the facts from the political hype that surrounds every move the Federal Reserve Board, or Fed, makes. Another, more pointed question to ask might be, “Does Quantitative…


This article is by staff writer Suba Iyer.

Etsy, TaskRabbit, Uber, AirBnB, and numerous other technologies make earning a little extra income (or even a full-time income) easier than ever. Almost anyone can be a micropreneur these days, even if they started out just pursuing a hobby. The sharing economy or peer-to-peer economy is growing at a record pace by leveraging disruptive technologies. But a lot of people don’t seem to understand how the…


This article is by staff writer Lisa Aberle.

I like saving money — but it has to be easy. And spending hours clipping and organizing coupons, or planning epic shopping trips based on my coupon stash is not easy. Most of the time — if I clip coupons at all — they end up floating around the bottom of my purse, expired. Instead, I usually choose to save in other ways. Yet, there are coupons….


This article is by staff writer Holly Johnson.

According to the U.S. Department of Health and Human Services, around 108 million Americans go without dental insurance during any given year. And since paying the full weight of dental care is often out of the question for those living on low incomes, many people simply choose to go without or get by with as few cleanings and check-ups as they possibly can. However, if you do…


This article is by editor Linda Vergon.

Honey Smith’s article about achieving your long-term financial goals got me thinking. It’s one thing to tackle big, long-term goals if you are healthy and employed. But hopefully you have to imagine how difficult it is to stay on track to reach them if you aren’t. What if the bottom has dropped out in your world? What if you lost your job – and even lost your…


This article is by staff writer Honey Smith.

In my last post, I talked about how personal finance is about playing the long game and “making choices that are harder in the short term for the good of the long term.” But when the payoff is so many years down the road, it can be difficult to stay on track. In order to actually reach long-term goals, you have to keep making the right choices…


This article is by staff writer William Cowie.

[Editor's note: This is Part II of a two-part series on whether it makes sense to include gold in your portfolio. Part I is "Should gold be part of my portfolio?"] This is the second installment of a two-part series about gold as an investment for your portfolio. The two posts may appear like a candidate’s debate or popularity contest, but they really aren’t. Our purpose…


This article is by staff writer Robert Brokamp.

[Editor's note: This is Part I of a two-part series on whether it makes sense to include gold in your portfolio. Part II is "Why gold should be part of your investment portfolio."] Humans have valued gold for several millennia, and that will likely continue. It is understandable, then, that a human such as yourself might consider trading some green for gold. I say, “Don’t bother,”…


This article is by staff writer Honey Smith.

When you think about it, personal finance is about playing the long game. Sure, it’s about other things as well. It’s about paying off debt. It’s about spending less than you earn. But when you think about it overall, it’s about making choices that are harder in the short term for the good of the long term. Here’s what I mean…. Saving for retirement Saving for retirement,…


This article is by staff writer William Cowie.

Have you heard the saying, “You are what you eat”? It rolls off the tongue so easily, doesn’t it? These are words to the wise if you are interested in a healthy lifestyle, however, they may not offer much help for your finances. But there is a similar thought — one of the truths I have seen so often in business as well as in personal…


This article is by staff writer William Cowie.

My neighbors shake their heads and think I am certifiably crazy, but I have noticed that they are careful how they say it. You see, when we get snow, I am always out there shoveling the sidewalks for three or four houses each way down the street from ours. “Why risk offending the Energizer Bunny with the shovel?” I hear them thinking. “He might stop, and…


This article is by staff writer Lisa Aberle.

April 15th may be a few weeks away, but I’m guessing some of you have already filed your tax return. We, as a matter of fact, just finished our tax return last week. For the second year in a row, we are getting a small refund. (As an aside, we have a large nonrefundable tax credit that is taunting me. Our tax liability wasn’t high enough…

This article is by staff writer Suba Iyer.

When I was in my 20s, I was single, without kids, renting, had graduated from college, working at my first job and no interest whatsoever in taxes. My feeling was, Why should I waste time thinking about taxes? As a single, renter with no kids, I would get absolutely no deductions or credits — and in addition to that, I had nothing to itemize. That meant…


This article is by staff writer Holly Johnson.

When my mom was in her early 20s, she took a few months to travel abroad with a few of her college friends. I wouldn’t call it an around-the-world trip since they only visited a few regions, but I would call it amazing. So amazing, in fact, that my mom shared numerous stories of her travels with me as I was growing up. I remember those…


This article is by staff writer Lisa Aberle.

When I packed my hospital bag before having a baby last summer, I tucked my laptop in along with everything else. I thought I might squeeze in some work between contractions, or when the baby was sleeping. Or something. (I’ll pause while you all laugh.) The laptop actually did make it out of the bag once while I, already bleary from lack of sleep, held my baby…


This article is by staff writer Financial Sam.

Back during the dotcom collapse of 2000, I was losing money in the stock market like a champ. I was a second-year financial analyst who had a serious case of confusing brains with a bull market. When I turned to my VP and told him I was still bullish about the stock market, he almost slapped me upside the head. “We’re in a bear market, son….


This article is by staff writer Holly Johnson.

According to a 2013 Nilson report, credit and debit card fraud were the cause of over $11.2 billion in losses in 2012. And if you think that sounds bad, just wait; it’s expected to get much worse. As USA Today reported last year, hackers and scammers have turned stealing credit card numbers into an art form. By focusing on major retailers such as P.F. Chang’s, Target, and…


This article is by staff writer William Cowie.

Who isn’t on the lookout for safe investments? We looked at the hidden advantages of savings accounts recently and found that, despite the current low-interest rate environment, old-school savings accounts are still quite popular, judging from the comments anyway. After all, they are among the safest investments out there; and they are flexible, too. Still, it’s natural to ask if there is any investment just as…


This article is by editor Linda Vergon.

(This article was based on Suba Iyer’s article that originally appeared on FiveCentNickel.com.) Your 20s are filled with milestones and life-changing experiences. It’s a time when the things you learn start to become habits and when financial decisions can either lead you to great success or become a problem for you in the future. It would be great to have perfect foresight so that you knew the…


Savings accounts and money market accounts are meant to hold your liquid assets, or funds that you expect to use within a year. You may think "If you've seen one high-yield savings account, you've seen them all" - but, actually, higher interest rates and certain features can make one account a better choice for your needs than another.

Part of an effective financial strategy includes maximizing your earnings while balancing your need for liquidity -- and a certificate of deposit, or CD, is one way to accomplish that goal. You can easily monitor the best CD rates and terms currently available in the table below plus the rates of more than 500 financial institutions (banks, credit unions, savings banks, and savings and loan associations)

GRS is committed to helping our readers save and achieve their financial goals. Savings interest rates may be low, but that is all the more reason to shop for the best rate. Find the highest savings interest rates and CD rates from Synchrony Bank, Ally Bank, GE Capital Bank, and more.

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