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This article is by staff writer Suba Iyer.

Have you started shopping yet? No, I’m not talking about shopping for the holidays; I’m talking about something more important – your health insurance. It’s that time of year when many employers have their open-enrollment period and the federal and state health insurance marketplaces are open for business. Open enrollment is your annual opportunity to review and make changes to your health insurance plan so you…


[This is the second installment in a series examining repaying student loans. Part I was a best practices guide for repaying student loans.]

This article is by staff writer Honey Smith.

Pay As You Earn (PAYE) was introduced in December 2012 and has been widely touted as one of the best options for those struggling to pay back their student loans. Why is this? PAYE is an income-driven payment plan for federal student loans…


This article is by staff writer Lisa Aberle.

One of our parenting goals is to rear frugal kids. Take care of their stuff. Spend wisely. Save for a rainy day. Making the goal is easy, but implementing the goal? Definitely harder. How our (current) allowance system works Over the last couple of years, we’ve been experimenting with the best ways to teach our kids to manage money. What I’ve learned is that it’s best…


This article is by editor Linda Vergon.

Decide to buy a computer these days and immediately you’re confronted with a complex decision process wherein you pit features against price. The choice is intensely personal and a total reflection of your tastes, priorities, and pocketbook. I know how I’ve gone about it in the past, but I was curious to see how other people approach the problem. It wasn’t hard to get people to talk….


This article is by staff writer William Cowie.

Even if you’ve never made an overt decision to invest in the stock market, stocks form the foundation of your retirement investing. (At least if you’re like the vast majority of Americans, they do.) That’s because your 401(k) — or equivalent employer retirement plan — is only allowed to invest in mutual funds, and most mutual funds invest in the stock market. If you are investing…


This article is by staff writer Lisa Aberle.

Ted Leonhardt’s plunge into entrepreneurship was just that — a plunge. After working for a small graphic design agency for eight years, he lost his job and was facing an uncertain future. “I was in survival mode,” he recalls. With a mortgage and a baby, he had to do something quickly. He caught a break when one of his former employer’s clients encouraged one of their…


This article is by staff writer Honey Smith.

Given that student loan debt in the U.S. tops $1.2 trillion and the average graduate owed over $30,000 in 2015, it’s no surprise topics like how to start paying student loans are necessary. However, if you’re still in school or are still saving for college (or you have kids or grandkids in that category), there’s an option for reducing or eliminating the amount of student loans…


The holiday season is fast approaching, and you might be planning to travel home to spend time with family – or your family could be coming to see you. Either way, travel expenses add up quickly, leaving little to no room for entertainment once you’re together. Sometimes that’s not a problem because there’s so much to do anyway. But other times, it really could put a crimp in your budget or strain your guests’ finances….


This article is by staff writer Richard Barrington.

Financial planning is like taking a long car trip. You plan your route, your schedule, and your eventual destination in advance; but then you have to be prepared to adjust for detours, traffic delays, bad weather, fatigue or other unexpected changes. When it comes to financial planning, you face this same conflict between sticking to a long-range plan and dealing with the realities of life that…


This is a guest post from Amanda Argue. Don’t you feel sometimes like income tax is the hardest subject in the world to understand? Well, it’s really nothing to be embarrassed about. That’s exactly what Albert Einstein said way back when: “The hardest thing in the world to understand is income taxes.” – Albert Einstein If the subject was perplexing to a genius like Einstein — and it’s only gotten more complicated since then —…


This article is by staff writer Suba Iyer.

Know your taxes! I am a big fan of the philosophy: No one cares more about your money than you do. Even if a professional prepares your taxes every year, learn to do it yourself. Aside from what you’ll save in fees, here are two benefits of learning to prepare your taxes yourself: By doing your taxes on your own, you can learn quite a bit…


This article is by staff writer Lisa Aberle.

When you order something online, does the retailer charge you sales tax? Do you pay attention to that? I haven’t always. Online purchases and sales tax After we became Amazon Prime users, our online internet orders went waaaaaay up. That free shipping will getcha every time. That year, my husband and I sat in our CPA’s office, as oblivious to most tax things as, unfortunately, every…


This article is by staff writer Megan Wells.

In college, my mind was set on becoming an ethnographic researcher. I wanted to study people and cultures that were new to me while traveling as extensively as possible. After I earned my diploma, I pooled every dollar to purchase a one-way ticket to Costa Rica. Even with my rookie-style budgeting, I was able to make the trip happen – and it didn’t matter that my…


This article is by staff writer Honey Smith.

Tailor your circumstances to your strategy. Sounds a bit backwards, doesn’t it? Most of the time, we take the path of least resistance and tailor our strategy to our circumstances. And that can certainly work if all your finances need is some minor tweaking. But if you have a large goal in mind or you need to address debt, you may need a different approach. Prioritizing…


This article is by staff writer William Cowie.

In my recent post, “Why investing can be better than paying down debt,” Dianecy’s comment raised a question faced by many: What do you do about investing when you have student loans? It is quite the dilemma, actually, because the best time to start funding your retirement is when you’re still in your 20s. And as anyone who has been reading Get Rich Slowly for more…


This article is by staff writer Honey Smith.

Student discounts are an interesting topic. They don’t typically give you a discount for anything on campus, because those amenities are paid for by your tuition and “miscellaneous registration fees” — though lots of student groups on campus offer free food in exchange for your attendance and involvement at their events. No, student discounts are actually given at the discretion of retailers and service providers. And…


This article is by staff writer William Cowie.

It’s a difficult choice: On the one hand, you understand the need to begin investing early to make the miracle of compounding work for you; on the other hand, you know that, when you have debt, making those payments hampers the ability to harness the miracle of compounding. So, what should you do with that $500 you have — invest it or pay down the debt?…


This article is by staff writer Honey Smith.

Eating out for lunch. For many of us, it’s one of the biggest temptations we face at work every day because it’s a tasty, convenient excuse to get out of the office and socialize (or not!) with our coworkers. But there are good reasons not to eat out for lunch too — like how long it takes, how bad it can be for the waistline, how…


There’s something about reaching the big 4-0 that often causes you to re-evaluate your direction in life. And when you do, it’s hard to escape the fact that your day of retirement is indeed approaching faster than you ever thought possible. If you’re one of those who eliminated debt and made investing for retirement a habit since your 20s, there’s very little to do other than enjoy your 40th birthday and continue on with what…


This article is by staff writer Lisa Aberle.

Have you ever received a financial boost by being part of a community? Back in April, I wrote about how (and why) to build community. Along with the article, we also conducted a survey (both of the GRS community and, later, of the general population) about points in the article. The survey covered questions such as: Does your community improve your lifespan? Can you rely on…


We monitor the interest rates being offered by more than 500 financial institutions (banks, credit unions, and savings and loan associations) and display only the top 50 highest rates in the table below. These are weekly updates to help you find the best online high-yield savings account and money market account rates currently available.

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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