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If you are a recent graduate, congratulations and best wishes for your success! Whether you were lucky enough to have a job lined up right after completing your degree or not, whether you graduated without student loan debt or your new balance rivals the national average of $30,000, you still need to get your financial life in place. So now that the celebrating is behind you, it’s time to get to work. What are your…


This article is by staff writer Lisa Aberle.

Are there seasons in your life where you’re more likely to swing through the drive-thru because you’re tired, stressed, or overwhelmed? Fall is like that for me. My friends start talking boots and flannel. Pumpkin Spice Lattes start showing up in my Instagram feed. And the corn mazes and pumpkin farms open for business. And me? While I love colorful leaves and impossibly blue autumn skies…


This article is by staff writer William Cowie.

For most people in their 30s, life can feel like a breathless uphill run on a downward escalator. Everything seems to expand: families, homes, social circles, career responsibilities, and income. Managing it all requires more of your immediate attention, so it’s not surprising that retirement planning tends to fall lower on the list of high priorities. For many, just making it through the day is all…


This article is by staff writer Richard Barrington.

You pay for convenience. That’s the simple reality of economics. Having a cab — or even an Ubermobile — pick you up is more expensive than catching a bus. Eating out costs more than making a meal yourself. So, when you consider the tremendous convenience credit cards offer, it should be no surprise that consumers end up paying a hefty price to add convenience to their…


This article is by staff writer Katie O’Connor.

It’s hard enough to say no to ourselves when it comes to unnecessary spending — getting that $4.35 latte just because, for example. So why is it always such a surprise when we lose battles against the everyday wants (not needs) of our very determined and savvy children? If this sounds familiar, you aren’t alone. Academics and mental health professionals agree that parental feelings about money…


This article is by staff writer Suba Iyer.

With age comes wisdom, so they say — but it also comes with more complicated lifestyles. By the time we reach our 40s, we expect to be savvy, certainly capable of making good financial decisions, and generally well on our way to reaching our goals. But from what I can see, it’s often not the case. We are still in our 30s, but our friends and…


This article is by editor Linda Vergon.

I don’t like clutter at all, but it’s oh so easy for stuff to build up and get out of control – especially when it comes to paper. If you really like everything to be neat and tidy – but you don’t want to spend your life managing the mess – read on. The problem with paper I dream about going paperless. But the fact is that…


This article is by staff writer Richard Barrington.

Let me say for the record that I hate rushing the holiday season – the appearance of Santa Claus in the stores as soon as the Halloween decorations are cleared out, hearing Christmas carols before the first snow has fallen, that kind of thing. So why am I writing about holiday shopping when temperatures are still pushing 80 degrees at  the end of September? Well, I’m…


This article is by staff writer Lisa Aberle.

Are you ready to start killing your debt? Whether you make the minimum payment or you’re ready to accelerate your debt repayment like a mad man/mad woman, you need a strategy to make that happen. Why you need a debt-repayment strategy While you have to make the minimum payment on your debt each month, what happens if you want to accelerate your payments? If your budget…


This article is by staff writer Katie O’Connor.

Caught red-handed On the off-chance you haven’t heard about it, Volkswagen, the German car maker, is in a world of trouble. The company was caught using software to game emissions testing, a flat-out cheating move that affects some 11 million vehicles. Not surprisingly, shares in Volkswagen tanked as soon as the news broke, down now by as much as 30 percent. Shareholders raced to clear their…


This article is by staff writer Megan Wells.

Millennials are weird. I should know; I am one. For years, our unorthodox lifestyle choices and money habits have been confusing to our elders. And perhaps the most unprecedented millennial-ish move we’ve been making is the avoidance of home ownership. With home-buying at an all-time low according to the Census Bureau, the finger is easily pointed at us as a likely cause. But instead of leveling…


This is a guest post from former GRS staff writer Donna Freedman.

Grocery prices got you down? Fight back by building your own food bank, i.e., a pantry full of staples you bought at rock-bottom prices. This is not emergency food, mind you, to be saved for the next hurricane or other disaster. The point is to eat from this pantry all along, replenishing when prices are best. The practice saves you money in…


This article is by editor Linda Vergon.

I bet a lot of people have a similar experience when they realize they have a problem with their finances. They create a budget – or they try to anyway – and, somewhere down the road, they get frustrated with the amount of effort required to keep it up. Ultimately, a lot of them give up budgeting altogether. That was J.D. Roth’s experience. Mine too. As J.D.’s…


This article is by staff writer Megan Wells.

Whether you want to pick up a few odd jobs to help fund the holidays, you’re looking to pad your nest egg, or you just need a creative way to escape the traditional 9-5, having multiple streams of income is always comforting. Finding additional cash flows that suit your existing lifestyle, however, can be a major challenge — especially if your schedule is already impacted. Even…


This article is by staff writer Holly Johnson.

Once upon a time, I decided it was high time I sell some of my stuff on eBay to make some extra cash. Since it was just after the holidays, I decided to get the ball rolling with a new shirt I had just received for Christmas. Even though it was cute, the shirt fit a little small for my taste. And even worse, the store…


This article is by editor Linda Vergon.

People are living longer, healthier lives. Consequently, they need more income to cover a longer life span than initially expected. That may be what’s fueling an interest among boomers to continue working after retirement instead of pursuing a life of leisure. But it could also be that boomers just like to work. A recent AARP survey determined that 37 percent of nearly 5,000 workers age 50 to…


This is a guest post by Lynnette Khalfani-Cox. How much can hard work in school and when applying for scholarships reduce the overall costs of getting a college degree? Well, in our family’s experience, it’s amounted to nearly $150,000 so far. (I say that because we have two more children to put through college.) Hard work over the years brought choices Our oldest, Aziza, is a high-achieving, ambitious student. She plans to graduate in four…


This is a guest post from former GRS staff writer Donna Freedman.

According to the U.S. government, all citizens should have enough supplies to survive for at least three days in an emergency. Depending on where you live, “emergency” could mean tornado, earthquake, blackout, flood, wildfire, hurricane, ice storm or zombie apocalypse. How ready do you feel? It is possible to put together an emergency kit without breaking the bank. In fact, you may…


This article is by staff writer Lisa Aberle.

Are you currently taking a hiatus from paid employment? Maybe you want to stay home with your kids until they’re in school. Maybe you haven’t been able to find another job after a layoff. Maybe you had some savings and took a mini-retirement. Or maybe you just wanted a break. Self-imposed or not, taking a break from the paycheck can be scary. You know what I…


This article is by staff writer Holly Johnson.

Unless you are born with a silver spoon, the journey toward financial independence will most likely be arduous. Even those who’ve reached the happy state of retirement have stories to tell about the ups and downs they experienced, their mistakes and triumphs, and what it really took to get there. And most of us — especially those who regularly read this site — are still in…


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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