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Money market accounts vs. savings accounts Money market account rates usually offer higher yields than what you’ll find on savings accounts, especially those offered at brick-and-mortar banks. MMAs often require a higher minimum deposit or balance, but banks and financial institutions typically reward clients for maintaining larger balances with higher rates. Currently, the average rate on an MMA with a $10,000 minimum balance in Curinos’ dataset stands at 0.56% APY, while the average rate you’ll find on a savings account with a $10,000 balance is a mere 0.23% APY.

The focus is on 2024, particularly considering that the first week will be a busy one. On the last trading day of 2023, the economic calendar is light. The attention will be on Spain's preliminary December consumer inflation figures. Here is what you need to know on Friday, December 29: Data from the US released on Thursday revealed that Initial Jobless Claims rose by 12,000 in the week ended December 23 to 218,000, above the market consensus of 210,000. Continuing claims reached 1.875 million, the highest level in four weeks. Pending Home Sales remained flat in November, falling short of expectations for a 1% increase. On Friday, the Chicago PMI is due. Regarding economic reports, the focus is on next week's employment figures. The US Dollar Index (DXY) bottomed at 100.86, marking the lowest level since July, and then rebounded sharply, rising to 101.25. Higher US Treasury yields helped boost the Greenback, with the 10-year yield rising to 3.85% following the auction of the 7-year note.

Telematics car insurance: What is it? With traditional car insurance policies, premium prices get calculated based on where you live, your driving history, the age, the make and model of your vehicle, and a few other factors beyond your control. If your state or city tends to have higher rates of car crashes, or if car repairs are especially expensive where you live, your car insurance premium will be more expensive. As a driver, most of these factors that go into your insurance premium are beyond your control. Even if you're a safe driver who doesn't drive very often, you have to pay a fixed rate for insurance. Your insurance costs might be higher than your safe driving record deserves, based on the overall costs of fixing a car in the community where you live.

The average money market account (MMA) rate has ticked up since last week and sits at 0.56%. But if you shop around you could get a much higher rate of around 5%. These accounts can be a good option for savers who prioritize account flexibility and potentially higher interest rates than those typically found offered by traditional savings accounts. Source: Curinos. Average APY date accurate as of December 27, 2023. Money market account rates Money market accounts with a $10,000 minimum balance currently offer an average APY of 0.56%, per Curinos data, slightly higher than last week. The highest rate in the Curinos dataset sits at 5.13%, so you may be able to find higher rates in your own research. If you were to invest $10,000 into an MMA with a 5.13% interest rate that compounds daily, you would earn more than $520 in interest over a year, assuming no withdrawals or additional contributions are made.

The focus is on 2024, particularly considering that the first week will be a busy one. On the last trading day of 2023, the economic calendar is light. The attention will be on Spain's preliminary December consumer inflation figures. Here is what you need to know on Friday, December 29: Data from the US released on Thursday revealed that Initial Jobless Claims rose by 12,000 in the week ended December 23 to 218,000, above the market consensus of 210,000. Continuing claims reached 1.875 million, the highest level in four weeks. Pending Home Sales remained flat in November, falling short of expectations for a 1% increase. On Friday, the Chicago PMI is due. Regarding economic reports, the focus is on next week's employment figures. The US Dollar Index (DXY) bottomed at 100.86, marking the lowest level since July, and then rebounded sharply, rising to 101.25. Higher US Treasury yields helped boost the Greenback, with the 10-year yield rising to 3.85% following the auction of the 7-year note.

Long-term care insurance can provide coverage for caretakers both at home and in assisted living facilities. Getty Images Health insurance covers a lot but most times, it won't cover the cost of living in a nursing home, assisted living facility or with a full-time caretaker. Fortunately, there's another type of insurance — called long-term care insurance — that protects against these costs, which, according to insurance company Genworth, can range anywhere from $1,700 to $9,000 per month. Long-term care insurance can often cost significantly less than this, though your exact costs will depend on your age, health, coverage amount and other factors. Want to make sure you choose the best long-term care insurance company for your budget and needs? Then it helps to know your best options.

For instance, withdrawal restrictions are common, with brokers imposing limits until specific criteria are met, limiting a user's access to these additional funds. Consequently, the appeal of bonus funds may also lead to emotional trading tendencies, encouraging a risky approach beyond bonus utilization. Effectively navigating Forex bonuses requires traders to strike a delicate balance, weighing the potential benefits against the risks for a sound trading experience.

Forex bonuses come with both positives and negatives, demanding careful consideration from traders before making a decision. Accordingly, extra financing, a key benefit, proves useful for participants with smaller deposits looking to boost their trading potential. In addition, these bonuses also act as a financial cushion, aiding recovery from losses in unsuccessful trades. Adding to these advantages, Forex no-deposit bonuses increase a trader's margin, creating opportunities for higher profitability in a single trade. However, it is crucial to be aware of the associated risks as many incentives come with strict conditions that require careful assessment and fulfillment. For instance, withdrawal restrictions are common, with brokers imposing limits until specific criteria are met, limiting a user's access to these additional funds. Consequently, the appeal of bonus funds may also lead to emotional trading tendencies, encouraging a risky approach beyond bonus utilization.

Long-term care insurance can provide coverage for caretakers both at home and in assisted living facilities. Getty Images Health insurance covers a lot but most times, it won't cover the cost of living in a nursing home, assisted living facility or with a full-time caretaker. Fortunately, there's another type of insurance — called long-term care insurance — that protects against these costs, which, according to insurance company Genworth, can range anywhere from $1,700 to $9,000 per month. Long-term care insurance can often cost significantly less than this, though your exact costs will depend on your age, health, coverage amount and other factors. Want to make sure you choose the best long-term care insurance company for your budget and needs? Then it helps to know your best options.

Barry Norris runs the Argonaut Absolute Return fund, which has risen by 80pc over the past five years and even gained value during the coronavirus panic of early 2020. He combines taking traditional “long” positions in stocks he expects to do well with “short-selling” those he considers overvalued or even fraudulent. When Charlie Munger died last month at the age of 99 it marked the end of the world’s most successful investment partnership – with Warren Buffett, aged 93. Although junior in terms of ownership of Berkshire Hathaway, Munger was credited with persuading Buffett to move his investment approach away from buying “fair businesses at wonderful prices” to buying “wonderful businesses at fair prices”. But Munger was also the sceptical counterpoint in the 60-year friendship. Buffett, the “Sage of Omaha”, called Munger, who had a veto over improvident Berkshire acquisitions, the “Abominable No-Man”.

Long-term care insurance can provide coverage for caretakers both at home and in assisted living facilities. Getty Images Health insurance covers a lot but most times, it won't cover the cost of living in a nursing home, assisted living facility or with a full-time caretaker. Fortunately, there's another type of insurance — called long-term care insurance — that protects against these costs, which, according to insurance company Genworth, can range anywhere from $1,700 to $9,000 per month. Long-term care insurance can often cost significantly less than this, though your exact costs will depend on your age, health, coverage amount and other factors. Want to make sure you choose the best long-term care insurance company for your budget and needs? Then it helps to know your best options. Learn more about your long-term care insurance options by getting a free price quote here. Best long-term care insurance companies Here are some of the best long-term care insurance companies available now, broken down into five categories.

Barry Norris runs the Argonaut Absolute Return fund, which has risen by 80pc over the past five years and even gained value during the coronavirus panic of early 2020. He combines taking traditional “long” positions in stocks he expects to do well with “short-selling” those he considers overvalued or even fraudulent. When Charlie Munger died last month at the age of 99 it marked the end of the world’s most successful investment partnership – with Warren Buffett, aged 93. Although junior in terms of ownership of Berkshire Hathaway, Munger was credited with persuading Buffett to move his investment approach away from buying “fair businesses at wonderful prices” to buying “wonderful businesses at fair prices”.

Another day in an unusual week. During the Asian session, Japanese data is due, including Industrial Production and Retail Trade. The key report of the day will be the weekly US Jobless Claims. Here is what you need to know on Thursday, December 28: The US Dollar Index (DXY) extended its slide and dropped below 101.00, reaching its lowest level since July. The 10-year Treasury yield fell to 3.78%, a five-month low, while the 2-year settled at 4.24%, the lowest since May. US stocks held near recent highs, with the Dow Jones on its way to another all-time high. The combination of risk appetite and lower Treasury yields continued to weigh on the US Dollar. Data released on Wednesday showed the Richmond Fed Manufacturing Index dropping to -11 in December, worse than the market consensus of -7. Shipments fell from -8 to -17, new orders decreased from -5 to -14, and employment edged down from 0 to -1. On Thursday, the weekly Jobless Claims report is due, along with trade figures and the November Pending Home Sales report.

Seniors can benefit from life insurance for a number of reasons. Getty Images/iStockphoto If you're a senior, it's not too late to get life insurance coverage. There are many reasons why seniors can benefit from life insurance, from paying for end-of-life expenses to leaving a legacy for loved ones. Yet many older Americans still don't this important financial protection, according to recent studies. If you're one of them, life insurance is worth considering. But where do you begin? And which insurance policies are best suited to older adults? Below, we will analyze the best life insurance companies for seniors in six categories: flexibility, no-exam policies, term life, whole life, living benefits and max age limits. If you're in the market for life insurance, start by getting a free price quote now.

Seniors can benefit from life insurance for a number of reasons. Getty Images/iStockphoto If you're a senior, it's not too late to get life insurance coverage. There are many reasons why seniors can benefit from life insurance, from paying for end-of-life expenses to leaving a legacy for loved ones. Yet many older Americans still don't this important financial protection, according to recent studies. If you're one of them, life insurance is worth considering. But where do you begin? And which insurance policies are best suited to older adults? Below, we will analyze the best life insurance companies for seniors in six categories: flexibility, no-exam policies, term life, whole life, living benefits and max age limits. If you're in the market for life insurance, start by getting a free price quote now. Best life insurance companies for seniors In our comprehensive analysis, we considered a range of factors relevant to seniors, from maximum policy issue age to coverage amounts, in order to determine the best all-around life insurance companies for seniors in specific categories. These are our picks: Best for flexibility: Ladder When it comes to flexibility, Ladder is hard to beat. It allows policyholders to easily adjust their coverage as their needs change. For example, if you pay off your mortgage, you can "ladder" down your coverage amount, reducing your premiums. If you welcome a new grandchild you'd like to provide for, you can ladder up your coverage for a higher premium. You can adjust your policy whenever you want and as many times as you want at no charge.

From January 1, 2024, to May 25, 2024, the planet of luck will be in fiscally-focused Taurus. During this time, Jupiter will expand upon the Taurus themes of personal wealth, materialism, and value systems. Long-awaited opportunities aligned with your financial goals and professional values may fall into place during Jupiter in Taurus. You could even sell old items to buy higher quality replacements that will stand the test of time. The only potential downside to Jupiter in Taurus will be over-indulging by overspending. By May 25, 2024, a new financial trend will arise since Jupiter will enter Gemini and be in the sign of the twins for the remainder of 2024. According to traditional astrology, Jupiter in Gemini might present more obstacles and challenges. But don’t let this get you down! Jupiter in Gemini will encourage you to become more financially literate. You might benefit from reading more on financial outlets, speaking to a financial advisor, or listening to economic podcasts. Since the keyword is “multiple”, the key to Jupiter in Gemini will be investing in several accounts. You could have a few stock portfolios, a 401K, a Roth IRA, a high-yield savings account, and more. Not to mention that most individuals may even multi-task several jobs, like a regular nine-to-five and at least one side hustle.

In the ever-evolving realm of Forex, Exness Trading Company emerges as a transformative force, reshaping the narrative of trading since its establishment in 2008. Operating seamlessly across 130 countries, Exness transcends the traditional role of a brokerage, embodying trust, reliability, and an unwavering commitment to sculpting an unparalleled trading odyssey. Let’s delve into the distinct features that set Exness apart, paving the way for an in-depth Exness broker review in the dynamic world of Forex trading. Navigating Regulatory Waters: Exness as the Guardian of Compliance Exness isn’t merely a ship navigating regulatory waters; it stands as a steadfast guardian of global compliance standards. With nods of approval from respected bodies like FCA (UK), CySEC (Cyprus), and others, Exness not only establishes its credibility but pioneers a course toward a secure harbor for traders. As a distinguished member of the Financial Commission, Exness dons the mantle of a protector, extending insurance coverage up to EUR 20,000 to fortify the financial interests of its users.

If you set some 2024 business or financial goals and need a dose of inspiration to achieve them, the right book could do the trick. To help narrow your search process, Business Insider rounded up book recommendations from financially independent investors, business owners, and entrepreneurs. Here are five of their favorites. Erik Smolinski has been reading about finance since high school when one of his teachers recommended he look into investing, and he never stopped self-educating. His reading habit helped him get to where he is today: At 32, he has a seven-figure investment account balance and has a majority stake in several commercial real estate properties. "Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets and Life" by William Green One of his favorite investing books is "Richer, Wiser, Happier," written by the financial journalist William Green, who did hundreds of hours of interviews with "super-investors," from Charlie Munger to Jack Bogle. They let Green in on how to build wealth, how they think, and why they win.

orex in the Philippines In the Philippines, a nation with a growing interest in Forex trading, the no-deposit bonus has gained popularity. Forex trading has seen a surge in enthusiasts, and brokers offering no-deposit bonuses, such as RoboForex, InstaForex, and FBS, have become the go-to brokers for traders seeking to kickstart their Forex ventures without a financial commitment. To add to that, the no deposit bonus Forex Philippines has, presents beneficial trading opportunities. Firstly, it allows individuals with limited financial resources to engage in Forex trading actively. The bonus amount, typically ranging from $5 to $100, serves as a risk-free capital injection, allowing traders to explore the market, fine-tune their strategies, and gain real trading experience.

The famous hubcap tree on 34th street is decades in the making. “I got started right after graduating from MICA," says Jim Pollock. Jim Pollock began collecting different hubcaps to create the 8 foot tree which is displayed outside his home every year for Christmas.

If you're a driver, you know the importance of car insurance. However, you also know how expensive it can be. One of the lesser-known secrets in the world of insurance is how many discounts are available. These discounts work to trim the cost of your premiums, leaving more money in your bank account. From going paperless to being a member of a civic organization, there are numerous hidden discounts that can potentially save you hundreds of dollars each year. The first step is to uncover the more elusive discounts. Here are some tips to get you started.

In the ever-evolving realm of Forex, Exness Trading Company emerges as a transformative force, reshaping the narrative of trading since its establishment in 2008. Operating seamlessly across 130 countries, Exness transcends the traditional role of a brokerage, embodying trust, reliability, and an unwavering commitment to sculpting an unparalleled trading odyssey. Let’s delve into the distinct features that set Exness apart, paving the way for an in-depth Exness broker review in the dynamic world of Forex trading. Navigating Regulatory Waters: Exness as the Guardian of Compliance Exness isn’t merely a ship navigating regulatory waters; it stands as a steadfast guardian of global compliance standards. With nods of approval from respected bodies like FCA (UK), CySEC (Cyprus), and others, Exness not only establishes its credibility but pioneers a course toward a secure harbor for traders. As a distinguished member of the Financial Commission, Exness dons the mantle of a protector, extending insurance coverage up to EUR 20,000 to fortify the financial interests of its users.

Forex Robot Easy stands out as a pioneering platform in the Forex trading world, providing an unparalleled aggregation of detailed reviews and analyses of trading robots. The platform serves as a trustworthy guide for traders, offering insights and data to help select the most effective trading tools. Our dedication to regular updates ensures that users have access to the latest expert reviews and assessments of various financial entities, facilitating informed and strategic decision-making. Beyond Reviews: Comprehensive Market Forecasts and Trading Solutions Our platform goes beyond mere reviews. Traders can now access up-to-date, accurate forecasts for a diverse range of financial instruments. These predictions are the product of thorough market analysis and cutting-edge algorithmic methods, giving traders a competitive edge by keeping them abreast of market dynamics. Recognizing the need for practical trading solutions, Forex Robot Easy also offers a variety of ready-to-use trading robots. These tools are expertly designed to automate and streamline the trading process, enhancing efficiency and minimizing the time investment for traders.

Best for cost: Breeze Breeze is a tech-forward disability insurance company that makes it easy to compare quotes and get good deals from different insurance carriers. Disability insurance coverage through Breeze can start as low as $9/month. Get a price quote from Breeze now to see what it could cost you. Best for long-term disability: Principal If you're looking for long-term disability insurance, Principal is a highly regarded provider that makes it easy to get long-term disability quotes. Depending on your occupational risk, you can potentially get a disability insurance plan that covers you until age 65. The company also offers another type of coverage that can help you save for retirement in the event you become disabled during your working years. Learn more about long-term disability insurance with Principal here. Best for high-risk policyholders: Mutual of Omaha Working a physically demanding job can sometimes make it hard to find good disability insurance, but Mutual of Omaha is one of the best providers for high-risk policyholders. The company has a range of options for a variety of professions, such as doctors, electricians, construction workers and more. The insurer also offers many different types of riders that can help you customize your coverage.

Your 2024 money horoscope for each zodiac sign implies that abundance will be possible, but only if you are flexible and open-minded. Between inflation and the strained job market, the financial astrology of 2023 most certainly felt bleak at times. Although this might be hard to believe, the financial astrology of 2024 seems to be more promising than anticipated. The stars will align and bring forth multiple opportunities for financial growth. The start of the show will be Jupiter! In astrology, Jupiter rules over luck, abundance, and growth. This happy-go-lucky planet is kind of like the King Midas of astrology since everything Jupiter touches turns to gold. No matter the Jupiter transit, you can always use Jupiter’s serendipity to turn your luck around. More from StyleCaster From January 1, 2024, to May 25, 2024, the planet of luck will be in fiscally-focused Taurus. During this time, Jupiter will expand upon the Taurus themes of personal wealth, materialism, and value systems. Long-awaited opportunities aligned with your financial goals and professional values may fall into place during Jupiter in Taurus. You could even sell old items to buy higher quality replacements that will stand the test of time. The only potential downside to Jupiter in Taurus will be over-indulging by overspending.