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Newtek Bank review 2025: Excellent savings account APY (but with this big limitation)

Newtek Bank review 2025: Excellent savings account APY (but with this big limitation)

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Newtek Bank review 2025: Excellent savings account APY (but with this big limitation)
Personal Finance 2025-12-25 21:03:52

Newtek Bank review 2025: Excellent savings account APY (but with this big limitation)

Newtek Bank is an online-only division of NewtekOne, offering banking services to help individuals and businesses multiply their funds with generous earning rates for savings and certificates of deposit.  This bank doesn’t offer personal checking accounts, money market accounts, or other banking services you’ll commonly find with other banks—but you’ll earn higher APYs (annual percentage yields) than you would with many competitors. Here’s what you need to know about Newtek Bank and the interest you can earn by saving with them. All rates and fees are current as of Nov. 6, 2025, and are subject to change.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Quontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessDCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. 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width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #chLADPyEAeeKUhuD .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #chLADPyEAeeKUhuD .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #chLADPyEAeeKUhuD .product-list { display: flex; flex-flow: row wrap; } #chLADPyEAeeKUhuD .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #chLADPyEAeeKUhuD .description { font-size: 12px; line-height: 18px; } #chLADPyEAeeKUhuD .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #chLADPyEAeeKUhuD .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #chLADPyEAeeKUhuD input.chk-btn + label { padding: 10px 11px; } #chLADPyEAeeKUhuD .check-elem { margin: 3px; } #chLADPyEAeeKUhuD.minFilter .check-elem.annuity { display: none !important; } #chLADPyEAeeKUhuD.minFilter .check-elem.businesschecking { display: none !important; } #chLADPyEAeeKUhuD.minFilter .check-elem.view-btn { display: none; } #chLADPyEAeeKUhuD.minFilter input.chk-btn + label { padding: 10px 11px; } #chLADPyEAeeKUhuD .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #chLADPyEAeeKUhuD input.chk-btn + label { padding: 10px 8px; } #chLADPyEAeeKUhuD.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #chLADPyEAeeKUhuD input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #chLADPyEAeeKUhuD.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #chLADPyEAeeKUhuD .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #chLADPyEAeeKUhuD.loadingMessage .sh-loading-msg { display: block; } #chLADPyEAeeKUhuD.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #chLADPyEAeeKUhuD .sh-loading-msg { font-size: 18px; } } #chLADPyEAeeKUhuD .mobile { display: none; } #chLADPyEAeeKUhuD .sh-hide { display: none; } #chLADPyEAeeKUhuD .desktop { display: block; } #chLADPyEAeeKUhuD .desktop-inline { display: inline-block; } #chLADPyEAeeKUhuD .row-1, #chLADPyEAeeKUhuD .row-2 { display: flex; } #chLADPyEAeeKUhuD .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #chLADPyEAeeKUhuD .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #chLADPyEAeeKUhuD .row-2 .listing-description { padding: 24px 23px; width: 100%; } #chLADPyEAeeKUhuD .logo-image-wrapper { margin: auto; width: 196px; } #chLADPyEAeeKUhuD .logo-column { display: flex; align-items: center; } #chLADPyEAeeKUhuD .logo-image-wrapper img { width: 100%; height: auto; } #chLADPyEAeeKUhuD .ad-copy { margin-left: 24px; } #chLADPyEAeeKUhuD .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #chLADPyEAeeKUhuD .listing-description .disclosure-content { margin-top: 0px; } #chLADPyEAeeKUhuD .logo-column.flex-container { flex: 0 0 20%; } #chLADPyEAeeKUhuD .ad-copy-column.flex-container { flex: 0 0 78%; } #chLADPyEAeeKUhuD .top-section-right { margin-left: 5px; } #chLADPyEAeeKUhuD .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #chLADPyEAeeKUhuD .ad-copy { margin-left: 24px; } #chLADPyEAeeKUhuD .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #chLADPyEAeeKUhuD .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #chLADPyEAeeKUhuD .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #chLADPyEAeeKUhuD .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #chLADPyEAeeKUhuD .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #chLADPyEAeeKUhuD .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #chLADPyEAeeKUhuD .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #chLADPyEAeeKUhuD .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #chLADPyEAeeKUhuD .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #chLADPyEAeeKUhuD .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #chLADPyEAeeKUhuD .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #chLADPyEAeeKUhuD .disclosure-contnr { text-align: center; } #chLADPyEAeeKUhuD .listing-header-cntnr { margin-top: 34px; } #chLADPyEAeeKUhuD .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #chLADPyEAeeKUhuD .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #chLADPyEAeeKUhuD .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #chLADPyEAeeKUhuD .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #chLADPyEAeeKUhuD .apy-label { font: normal normal 900 24px / 28px Roboto; } #chLADPyEAeeKUhuD .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #chLADPyEAeeKUhuD .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #chLADPyEAeeKUhuD .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #chLADPyEAeeKUhuD .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #chLADPyEAeeKUhuD .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #chLADPyEAeeKUhuD .additional-content { margin-top: 0px !important; } #chLADPyEAeeKUhuD .additional-content ul li { margin-bottom: 0; } #chLADPyEAeeKUhuD .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #chLADPyEAeeKUhuD .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #chLADPyEAeeKUhuD .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #chLADPyEAeeKUhuD .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #chLADPyEAeeKUhuD .shArrow { width: 12px; height: 7px; } #chLADPyEAeeKUhuD span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #chLADPyEAeeKUhuD .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #chLADPyEAeeKUhuD .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #chLADPyEAeeKUhuD #see_more_carrier, #chLADPyEAeeKUhuD .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #chLADPyEAeeKUhuD .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #chLADPyEAeeKUhuD .apy-label p { margin-top: 0px; margin-bottom: 0px; } #chLADPyEAeeKUhuD .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #chLADPyEAeeKUhuD { padding: 0 26px; } #chLADPyEAeeKUhuD .logo-image-wrapper { width: 136px; } #chLADPyEAeeKUhuD .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #chLADPyEAeeKUhuD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #chLADPyEAeeKUhuD .prop-value-container .apy-container { flex: 0 0 44%; } #chLADPyEAeeKUhuD .prop-value-container .mfee-container, #chLADPyEAeeKUhuD .prop-value-container .minvalue-container { flex: 0 0 28%; } #chLADPyEAeeKUhuD .ad-copy-top-section { margin-bottom: 15px; } #chLADPyEAeeKUhuD .sh-row-product-title { max-width: 136px; } #chLADPyEAeeKUhuD .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #chLADPyEAeeKUhuD .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #chLADPyEAeeKUhuD .logo-image-wrapper { width: 100%; max-width: 292px; } #chLADPyEAeeKUhuD .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #chLADPyEAeeKUhuD .ad-copy { margin-left: 0; } #chLADPyEAeeKUhuD .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #chLADPyEAeeKUhuD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #chLADPyEAeeKUhuD .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #chLADPyEAeeKUhuD .see-more-text { padding: 16px 15px; } #chLADPyEAeeKUhuD .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #chLADPyEAeeKUhuD .top-section-right { margin-left: 0px; } #chLADPyEAeeKUhuD .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #chLADPyEAeeKUhuD.sizeone .header-section { padding: 6px 10px; } } #chLADPyEAeeKUhuD.sh-box650.device-desktop .row-1 { padding-left: 14px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box700.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box750.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box800.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box850.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box900.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box700.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box750.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box800.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box850.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box900.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box700.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box750.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box800.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box850.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box900.device-desktop .listing-title, #chLADPyEAeeKUhuD.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box700.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box750.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box800.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box850.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box900.device-desktop .shmktpl-button, #chLADPyEAeeKUhuD.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box750.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box800.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box850.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box900.device-desktop .prop-value-container .apy-container, #chLADPyEAeeKUhuD.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box750.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box800.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box850.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box900.device-desktop .prop-value-container .mfee-container, #chLADPyEAeeKUhuD.sh-box950.device-desktop .prop-value-container .mfee-container #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box750.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box800.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box850.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box900.device-desktop .prop-value-container .minvalue-container, #chLADPyEAeeKUhuD.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box700.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box750.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box800.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box850.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box900.device-desktop .sh-row-product-title, #chLADPyEAeeKUhuD.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box700.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box750.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box800.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box850.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box900.device-desktop .disclosure-content ul li, #chLADPyEAeeKUhuD.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box700.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box750.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box800.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box850.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box900.device-desktop .ad-copy-top-section, #chLADPyEAeeKUhuD.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #chLADPyEAeeKUhuD.sh-box650.device-desktop .row-1, #chLADPyEAeeKUhuD.sh-box700.device-desktop .row-1 , #chLADPyEAeeKUhuD.sh-box650.device-desktop .row-2, #chLADPyEAeeKUhuD.sh-box700.device-desktop .row-2 , #chLADPyEAeeKUhuD.sh-box500.device-desktop .row-1, #chLADPyEAeeKUhuD.sh-box550.device-desktop .row-1 , #chLADPyEAeeKUhuD.sh-box500.device-desktop .row-2, #chLADPyEAeeKUhuD.sh-box550.device-desktop .row-2{ display: unset; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box700.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box550.device-desktop .ad-copy, #chLADPyEAeeKUhuD.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box700.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box550.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box500.device-desktop .apy-label, #chLADPyEAeeKUhuD.sh-box650.device-desktop .prop-value, #chLADPyEAeeKUhuD.sh-box700.device-desktop .prop-value, #chLADPyEAeeKUhuD.sh-box550.device-desktop .prop-value, #chLADPyEAeeKUhuD.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box700.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box550.device-desktop .logo-image-wrapper, #chLADPyEAeeKUhuD.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #chLADPyEAeeKUhuD.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#chLADPyEAeeKUhuD.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#chLADPyEAeeKUhuD.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#chLADPyEAeeKUhuD.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #chLADPyEAeeKUhuD .shmktpl-title, #chLADPyEAeeKUhuD .sub-heading-container, #chLADPyEAeeKUhuD .filter-check-options-cntnr, #chLADPyEAeeKUhuD .listing-header-cntnr { display: none; } #chLADPyEAeeKUhuD.title .shmktpl-title, #chLADPyEAeeKUhuD.subHeading .sub-heading-container, #chLADPyEAeeKUhuD.multiSelectFilter .filter-check-options-cntnr, #chLADPyEAeeKUhuD.resultsText .listing-header-cntnr { display: flex; } #chLADPyEAeeKUhuD.sizeone .add-overlay-content { width: 62%; height: auto; } #chLADPyEAeeKUhuD.sizeone .disclosure-title { padding: 6px 0px; } #chLADPyEAeeKUhuD.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #chLADPyEAeeKUhuD .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #chLADPyEAeeKUhuD.sizeone .title-container { margin-top: 0; } #chLADPyEAeeKUhuD.sizeone .non_featured_list { margin-top: 0; } #chLADPyEAeeKUhuD.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #chLADPyEAeeKUhuD.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #chLADPyEAeeKUhuD .item { flex: 1 1 calc(50% - 48px); } #chLADPyEAeeKUhuD .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #chLADPyEAeeKUhuD .item:nth-of-type(4n+3), #chLADPyEAeeKUhuD .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #chLADPyEAeeKUhuD .item:nth-of-type(4n+1), #chLADPyEAeeKUhuD .item:nth-of-type(4n+1) + * { background-color: #fff; } #chLADPyEAeeKUhuD .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #chLADPyEAeeKUhuD .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #chLADPyEAeeKUhuD .desktop, #chLADPyEAeeKUhuD .desktop-inline { display: none; } #chLADPyEAeeKUhuD .mobile { display: block !important; } #chLADPyEAeeKUhuD { padding: 0 18px; } #chLADPyEAeeKUhuD .shmktpl-title { font-size: 24px; line-height: 29px; } #chLADPyEAeeKUhuD .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #chLADPyEAeeKUhuD .add-overlay-content { width: 80%; height: auto; } #chLADPyEAeeKUhuD .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #chLADPyEAeeKUhuD .row-1 { flex-flow: column; padding: 16px; } #chLADPyEAeeKUhuD .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #chLADPyEAeeKUhuD .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #chLADPyEAeeKUhuD .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #chLADPyEAeeKUhuD .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #chLADPyEAeeKUhuD .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #chLADPyEAeeKUhuD .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #chLADPyEAeeKUhuD .prop-value { margin-top: 0; } #chLADPyEAeeKUhuD .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #chLADPyEAeeKUhuD .non_featured_list { margin-top: 18px; } #chLADPyEAeeKUhuD .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #chLADPyEAeeKUhuD .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #chLADPyEAeeKUhuD .item:nth-child(3n), #chLADPyEAeeKUhuD .desktop-bg { background: none; } #chLADPyEAeeKUhuD .prod-desc-popup-content { padding: 0; } #chLADPyEAeeKUhuD .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #chLADPyEAeeKUhuD .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #chLADPyEAeeKUhuD .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #chLADPyEAeeKUhuD .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #chLADPyEAeeKUhuD .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #chLADPyEAeeKUhuD .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #chLADPyEAeeKUhuD .disclosure-content ul { padding-left: 14px; line-height: 28px; } #chLADPyEAeeKUhuD .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #chLADPyEAeeKUhuD .additional-features { flex: 0 0 100%; } #chLADPyEAeeKUhuD .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #chLADPyEAeeKUhuD.sizeone .listing-header-cntnr { display: none; } #chLADPyEAeeKUhuD.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #chLADPyEAeeKUhuD .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #chLADPyEAeeKUhuD .prod-desc-popup-content { position: fixed; } } #chLADPyEAeeKUhuD.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #chLADPyEAeeKUhuD.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #chLADPyEAeeKUhuD.listingAlignment .logo-image-wrapper img { width: 100%; } #chLADPyEAeeKUhuD.listingAlignment { padding: 0px; } #chLADPyEAeeKUhuD.listingAlignment .listing-title { font-size: 14px; } #chLADPyEAeeKUhuD.listingAlignment .listing-title span { font-size: 14px; } #chLADPyEAeeKUhuD.listingAlignment .row-1 { padding: 26px 10px; } #chLADPyEAeeKUhuD.listingAlignment .prop-name { font-size: 10px; } #chLADPyEAeeKUhuD.listingAlignment .prop-value { font-size: 14px } #chLADPyEAeeKUhuD.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #chLADPyEAeeKUhuD.listingAlignment .logo-column.flex-container { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .prop-conatiner { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .ad-copy-column.flex-container { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .cta-column.flex-container { flex: unset; } #chLADPyEAeeKUhuD.listingAlignment .disclosure-content ul li::before { content: unset; } #chLADPyEAeeKUhuD.listingAlignment .disclosure-content ul li { list-style: disc; } } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #chLADPyEAeeKUhuD.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #chLADPyEAeeKUhuD.ctaAlignment .cta-column.flex-container { display: block !important; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button { font-size: 16px; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #chLADPyEAeeKUhuD.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #chLADPyEAeeKUhuD .sh-no-listing-msg { padding: 20px 0px; } #chLADPyEAeeKUhuD .sh-widget-footer-MBT { display: none; } #chLADPyEAeeKUhuD.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #chLADPyEAeeKUhuD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #chLADPyEAeeKUhuD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #chLADPyEAeeKUhuD .sh-widget-footer-QS { display: none; } #chLADPyEAeeKUhuD.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #chLADPyEAeeKUhuD.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #chLADPyEAeeKUhuD.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #chLADPyEAeeKUhuD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #chLADPyEAeeKUhuD.customizeColorEffect .listing-title, #chLADPyEAeeKUhuD.customizeColorEffect .prop-name, #chLADPyEAeeKUhuD.customizeColorEffect .prop-value, #chLADPyEAeeKUhuD.customizeColorEffect .curDate, #chLADPyEAeeKUhuD.customizeColorEffect span.current-date, #chLADPyEAeeKUhuD.customizeColorEffect .disclosure-content ul li, #chLADPyEAeeKUhuD.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #chLADPyEAeeKUhuD.customizeColorEffect .add-text, #chLADPyEAeeKUhuD.customizeColorEffect .see-more-text, #chLADPyEAeeKUhuD.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #chLADPyEAeeKUhuD.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #chLADPyEAeeKUhuD.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #chLADPyEAeeKUhuD.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #chLADPyEAeeKUhuD.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #chLADPyEAeeKUhuD.sizeone.customizeColorEffect .header-section, #chLADPyEAeeKUhuD.customizeColorEffect .row-2 { background: #E9F0EC; } #chLADPyEAeeKUhuD.customizeColorEffect .listing-title { display: unset; } #chLADPyEAeeKUhuD.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); 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} #chLADPyEAeeKUhuD.customizeColorEffect .listing-title { display: block; } #chLADPyEAeeKUhuD.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #chLADPyEAeeKUhuD.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #chLADPyEAeeKUhuD .sh-right-arrow { display: none; } #chLADPyEAeeKUhuD.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iOCIgaGVpZ2h0PSIxNCIgdmlld0JveD0iMCAwIDggMTQiIGZpbGw9Im5vbmUiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CjxnIGlkPSJhcnJvdy1wb2ludC10by1yaWdodCIgY2xpcC1wYXRoPSJ1cmwoI2NsaXAwXzIzXzYyNCkiPgo8cGF0aCBpZD0iUGF0aCAxMDYiIGQ9Ik03LjMyODEyIDcuNjU5NDZMMS41OTMxMiAxMy4zOTM1QzEuNDE3OTUgMTMuNTY4NiAxLjE4MDM2IDEzLjY2NyAwLjkzMjYyNSAxMy42NjdDMC42ODQ4ODkgMTMuNjY3IDAuNDQ3MzAxIDEzLjU2ODYgMC4yNzIxMjUgMTMuMzkzNUMwLjA5Njk0OTggMTMuMjE4MyAtMC4wMDE0NjQ4NCAxMi45ODA3IC0wLjAwMTQ2NDg0IDEyLjczM0MtMC4wMDE0NjQ4NSAxMi40ODUyIDAuMDk2OTQ5OCAxMi4yNDc2IDAuMjcyMTI1IDEyLjA3MjVMNS4zNDYxMiA2Ljk5ODQ2TDAuMjczMTI1IDEuOTI1NDZDMC4wOTc5NDkyIDEuNzUwMjggLTAuMDAwNDY1MzkzIDEuNTEyNyAtMC4wMDA0NjUzOTMgMS4yNjQ5NkMtMC4wMDA0NjUzOTMgMS4wMTcyMiAwLjA5Nzk0OTIgMC43Nzk2MzUgMC4yNzMxMjUgMC42MDQ0NkMwLjQ0ODMgMC40MjkyODQgMC42ODU4ODkgMC4zMzA4NzIgMC45MzM2MjQgMC4zMzA4NzJDMS4xODEzNiAwLjMzMDg3MiAxLjQxODk1IDAuNDI5Mjg0IDEuNTk0MTIgMC42MDQ0Nkw3LjMyOTEyIDYuMzM4NDZDNy40MTU4NyA2LjQyNTE5IDcuNDg0NjggNi41MjgxNiA3LjUzMTYzIDYuNjQxNDlDNy41Nzg1OCA2Ljc1NDgyIDcuNjAyNzUgNi44NzYyOSA3LjYwMjc1IDYuOTk4OTZDNy42MDI3NSA3LjEyMTYzIDcuNTc4NTggNy4yNDMxIDcuNTMxNjMgNy4zNTY0M0M3LjQ4NDY4IDcuNDY5NzYgNy40MTQ4NyA3LjU3MjczIDcuMzI4MTIgNy42NTk0NloiIGZpbGw9IndoaXRlIi8+CjwvZz4KPGRlZnM+CjxjbGlwUGF0aCBpZD0iY2xpcDBfMjNfNjI0Ij4KPHJlY3Qgd2lkdGg9IjcuNjAyIiBoZWlnaHQ9IjEzLjMzNyIgZmlsbD0id2hpdGUiIHRyYW5zZm9ybT0idHJhbnNsYXRlKDAgMC4zMzE0ODIpIi8+CjwvY2xpcFBhdGg+CjwvZGVmcz4KPC9zdmc+Cg=='); 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font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Newtek Bank at a glanceNewtek BankSavings accountsNo monthly maintenance feesCDs$2,500 minimum opening depositBusiness checking accountsNo monthly maintenance feesBusiness money market accountNo monthly maintenance feesView offerat MoneyLionCompany insightsYear Founded: 1963Company Headquarters: Miami, FLCEO: Barry Sloane Who is Newtek Bank good for? Newtek Bank is suitable for those who want to earn a high APY through a savings account. Newtek offers one of the best high-yield savings accounts—and some solid CDs—with return rates that trounce many other banks. It also charges no monthly fees, meaning you won’t have to worry about maintenance charges eating into your earnings. On the other hand, the bank offers additional services for business owners—from a business checking account to an MMA to various loans and lines of credit. Business owners are well served by Newtek Bank. Who shouldn’t use Newtek Bank? Newtek lacks several consumer banking products. If you want a checking account or MMA, for example, this bank won’t do. As its savings account doesn’t come with an ATM card and you can only make up to six transactions per monthly statement cycle, accessing your money isn’t the easiest. You’ll have to make a transfer to another financial institution. All to say, you should think of Newtek Bank more as a separate high-APY island for your excess funds. Also, Newtek is online-only, making it a poor choice for those who prefer an in-person banking experience. N/AProsNo minimum opening deposit or minimum balance requirementNo monthly service feesHigh-APY savings accountConsNo physical locationsNo personal checking accountOnly six free withdrawals are allowed on its savings account per monthly cycleNewtek Bank rates and productsAgain, Newtek offers its customers a high-yield savings account and multiple CD options. Unfortunately, these are the only options for personal banking. A business entity is required to open other types of accounts, namely, business checking, money market accounts, and loans.Newtek Bank productAPYPersonal High-Yield Savings Account4.35% APYCDs2.00%–4.20% APYBusiness First Checking1.00% APYBusiness Money Market Account3.50% APYPersonal High-Yield Savings AccountAPY4.35% APYCDsAPY2.00%–4.20% APYBusiness First CheckingAPY1.00% APYBusiness Money Market AccountAPY3.50% APYSavings accountsWith a 4.35% APY, Newtek Bank’s Personal High-Yield Savings competes with the best interest-bearing accounts in the business. And because there’s no minimum deposit or monthly maintenance fee, it’s accessible to virtually all would-be savers.Newtek Bank savings account featuresMinimum opening deposit$0Monthly service fees$0Top APY4.35%Transaction limitations6 transfers per monthly statement cycleBank details checked Nov. 4, 2025.Certificates of depositNewtek offers two types of CDs: standard and business. Each comes in eight term lengths to choose from. You can open a CD with as little as $2,500 and as high as $250,000. These rates are slightly below Newtek’s High-Yield Savings option. But the magic of a CD is that you can lock in your rates for an extended period of time—something you can’t do with a savings account, which is susceptible to market fluctuation. The tradeoff is that you can’t withdraw your money from a CD before the account matures without paying an early withdrawal penalty. Newtek Bank CD featuresMinimum opening deposit$2,500Available term lengths3, 6, 9, 12, 18, 24, 36, 48, 60 months APY2.00%–4.20% APYEarly withdrawal penalty– Terms of 30 days: No fee – Terms of more than 30 days and less than 12 months: 90 days’ simple interest on the amount withdrawn – Terms of 12 months or more: 180 days’ simple interest on the amount withdrawnNewtek Bank Consumer CD ratesTerm lengthAPY6 months4.20%9 months4.00%12 months4.00%18 months3.95%24 months3.90%36 months3.80%48 months2.00%60 months2.00%6 monthsAPY4.20%9 monthsAPY4.00%12 monthsAPY4.00%18 monthsAPY3.95%24 monthsAPY3.90%36 monthsAPY3.80%48 monthsAPY2.00%60 monthsAPY2.00%Newtek Bank Business CD ratesTerm lengthAPY6 months3.50%6 months4.00%12 months4.00%18 months3.95%24 months3.75%36 months3.50%48 months1.00%60 months1.00%6 monthsAPY3.50%6 monthsAPY4.00%12 monthsAPY4.00%18 monthsAPY3.95%24 monthsAPY3.75%36 monthsAPY3.50%48 monthsAPY1.00%60 monthsAPY1.00%Bank details checked Nov. 4, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Business First CheckingNewtek’s Business First Checking account is fee-free and interest-bearing. You’ll earn 1.00% APY for any balance (there is no minimum to open). It even boasts free ACH/wire transfers.Newtek BankBusiness First Checking featuresMinimum opening depositN/AMonthly fees N/AAPY1.00%Overdraft feesN/AWire transfer (domestic or international)N/ABank details checked Nov. 4, 2025.Business Money Market AccountThe bank’s Business Money market Account is, as you’d expect, a hybrid checking and savings account. It gives you notably higher APY but with more ways to utilize your money, including by check or debit card. Newtek Bank Business Money Market Account featuresMinimum opening depositN/AMonthly fees N/AAPY3.50%Transaction limitations 6 transfers per monthly statement cycleBank details checked Nov. 4, 2025.Other services Newtek offersIn addition to its personal and business deposit offerings, Newtek Bank also provides business lending options. For example, you can open a term loan of up to $15 million with terms between five and 25 years; you can open a revolving line of credit for up to $5 million. Online banking Newtek is an online bank with everything you’ll need to maintain your account remotely (remember, Newtek doesn’t have physical branches). Expect a complete online banking experience, with normal functionality including transfers, withdrawals, bill pay (for eligible accounts), etc. The Newtek Bank platform and customer supportYou can reach Newtek Bank customer service at 888-681-7238 or email at digitalbanking@newtekone.com. It doesn’t list its customer service hours for consumer accounts, but it specifies that business accounts receive 24/7 support. Newtek Bank also offers an app that ranks highly on both Google Play (4.2 stars) and the Apple App Store (4.5 stars). Is Newtek Bank secure?Newtek Bank specifies that it keeps personal information safe with various computer safeguards and secured files and buildings. It’s also FDIC-insured up to $250,000 per account holder per ownership category. Newtek Bank user reviewsOnline reviews are often unimpressive when it comes to banks. Reviews are often motivated by frustration. That makes Newtek Bank’s 4.6 star rating on Trustpilot all the more impressive. Users appreciate Newtek’s excellent customer service and ease of account management. Users on forums like Reddit also praise similar features, including easy setup and seamless transfers. On the other hand, users complained about clerical errors and unreliable and slow tech problems. Compare Newtek Bank to alternativesIf you’re comfortable with an online bank but aren’t sure Newtek is what you’re looking for, Ally and SoFi are two popular options worth a look. Newtek BankSoFi®Member FDICAlly BankTop savings APYTop savings APYTop savings APY4.35%Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.23.30%Top checking APYTop checking APYTop checking APY1.00% (business) 0.50%0.10% to 0.25%Top CD APYTop CD APYTop CD APY4.20%N/A3.90%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat SoFiView offerat MoneyLionBank details checked Nov. 4, 2025.Is Newtek Bank right for you?Newtek Bank is an online bank with zero fees and high-yield savings and CD accounts, making it a good option for those who want to make their money work for them and earn interest at generous rates. It also caters well to business owners, offering both checking and MMA options. But being an online bank makes it unsuitable for those who prefer a bank with physical branches. It also falls short for those who want a consumer checking and savings account under one roof. Frequently asked questionsWhat types of accounts does Newtek Bank offer?Newtek Bank offers consumer high-yield savings accounts and CDs. It also offers business checking, MMAs, and CDs.What is the transfer limit for Newtek Bank?Newtek Bank allows up to six withdrawals and as much as $10,000 each day.Is Newtek Bank FDIC-insured?Yes, Newtek Bank is FDIC-insured up to $250,000 per account holder per ownership category.What CD terms does Newtek Bank offer?Between both consumer and business CD options, Newtek Bank offers terms of 3, 6, 9, 12, 18, 24, 36, 48, and 60 months.Does Newtek Bank charge monthly fees?Newtek Bank does not charge monthly fees for any of its deposit accounts.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Does Capital One offer personal loans?
Personal Finance 2025-12-22 19:42:12

Does Capital One offer personal loans?

In need of a personal loan? Your first instinct may be to run to a prominent financial institution like Capital One. After all, it offers top-tier credit cards, free checking accounts, excellent high-yield savings accounts, and more. Capital One doesn’t currently offer personal loans. Still, that doesn’t mean you can’t open a personal loan under the Capital One umbrella. We’ll explain exactly what you can and can’t get with Capital One—and suggest some alternative personal loan options, too.Does Capital One offer personal loans in 2025? Again, Capital One no longer offers personal loans. It also stepped out of the residential mortgage game in 2018. In fact, Capital One only offers a few types of installment loans: auto, small business, and commercial. Otherwise, if you’d like to borrow money from Capital One, it will be in the form of a revolving credit line like a credit card—of which Capital One offers some of the best on the market. Credit lines are different from traditional personal loans in a few ways, such as: Credit lines aren’t paid back in fixed installments.Instead, you’ll typically be subject to  minimum payments dictated by your balance. Credit lines offer an ongoing solution to borrowing money.With a personal loan, you’ll receive an upfront chunk of money that you’ll gradually pay off. With a credit card, you can borrow as little or as much as you want at any given time (up to your credit limit), and your borrowing power will replenish when you pay down your balance. APR is often higher with credit lines.Personal loans are a great option for a large expense that you can’t soon pay off, as they often come with more reasonable interest rates than a credit card. Alternative lenders for a personal loan While you can’t get a Capital One-branded personal loan, Capital One acquired Discover in May 2025. Discover issues personal loans between $2,500 and $40,000, with loan terms from 36 to 84 months. It also advertises interest rates between 7.99% and 24.99%. As a borrower, the fact that Capital One technically owns these loans won’t affect your experience; you’ll still have to apply through Discover. It’s just worth mentioning that Discover and Capital One are one company. Beyond this, other lenders that make an appearance on our list of the best personal loans in 2025: LightStream and Wells Fargo. Here’s a quick look at what each has to offer.Loan amountsRatesRepayment termsLearn moreLightStream$5,000-$100,0006.49%-24.89%Up to 240 monthsView offerat MoneyLionWells Fargo$3,000-$100,0006.74%-26.49%Up to 84 monthsView offerat BankrateLightStreamView offerat MoneyLionLoan amounts$5,000-$100,000Rates6.49%-24.89%Repayment termsUp to 240 monthsWells FargoView offerat BankrateLoan amounts$3,000-$100,000Rates6.74%-26.49%Repayment termsUp to 84 monthsLender details checked Oct. 29, 2025 and subject to change.How to find the best personal loan for your situation If you’re looking for a personal loan, you won’t find what you need through Capital One. So as you shop for your ideal loan, consider the below factors.  Loan amount Each lender will stipulate a range of amounts you can borrow. Some ranges are narrower than others. Identify the amount of money you need and find financial institutions that offer that amount. For example, if you need $60,000, but a lender only offers a maximum of $40,000, it’s likely not the right choice for you. Loan term A loan term is simply your repayment period. If you’ve got a loan term of 36 months, that means you’ve got three years to pay off your loan. A personal loan will break up your monthly payment into equal installments. This means that the shorter your loan term, the higher your monthly payment will be. Find a lender that offers a loan term resulting in monthly payments that you can afford.  Interest rate Another important variable is APR. You may have an acceptable loan amount and term, but if you’re being charged nightmarishly high interest, it could still be a bad deal. Check the proposed interest of your would-be loan to decide if you’re paying an unreasonable amount for the privilege of borrowing money. Fees Choose the loan with the least amount of ancillary fees. Some banks charge origination fees, account setup fees, early payoff fees, etc., and some banks charge none of these. When you find a few loans that fulfill your needs in all areas, choose the one with the least amount of fees. The takeaway Capital One doesn’t offer personal loans. They offer auto, small business, and commercial loans. If you want to borrow money from Capital One for anything else, you’ll have to open a Capital One credit card (which is a revolving line of credit—not a traditional installment loan). You can still open a personal loan with Discover (which Capital One acquired in 2025), but you must apply via official Discover channels, and the loan will be branded as a Discover loan. Otherwise, read our post on the best personal loans to find a suitable lender for your needs. Frequently asked questionsCan I use a Capital One credit card as an alternative to a personal loan?Yes, you can use a Capital One credit card to borrow money for purchases similar to a personal loan—but it’s probably not a good idea. Credit cards typically charge significantly higher interest rates than traditional personal loans, so they’re a bad option to finance a large purchase. Can I get a cash advance from Capital One instead of a loan?Yes, you can initiate a cash advance with your Capital One credit card instead of a loan. But again, the APR and fees associated with a cash advance will cause you to pay more in the long run. Cash advances should be an absolute last resort.Are there personal loans available through Capital One’s affiliates or partners?There are personal loans available through Capital One’s subsidiary, Discover. You can open a personal loan up to $40,000 with terms up to 84 months. What credit products does Capital One offer instead of personal loans?Instead of personal loans, Capital One offers credit cards. It also offers auto loans, small business loans, and commercial loans.Did Capital One ever offer personal loans in the past?Yes, Capital One offered personal loans in the past but has since shuttered the division.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Jose Mourinho explains his red card against Man United
Sports 2026-01-11 01:49:14

Jose Mourinho explains his red card against Man United

Jose Mourinho has opened up on the red card he picked up during Fenerbahce's Europa League clash with Manchester United last week.Mourinho, who used to manage United, is now in charge of the Turkish side and led them to a 1-1 draw with the Red Devils last Thursday, with the Portuguese's outfit coming from behind. Jose Mourinho has opened up on the red card he picked up during Fenerbahce's Europa League clash with Manchester United last week. Mourinho, who used to manage United, is now in charge of the Turkish side and led them to a 1-1 draw with the Red Devils last Thursday, with the Portuguese's outfit coming from behind. But the game was dominated by the veteran manager, who was sent off in the second half of the game following protests against a refereeing decision. It was the latest episode of what has been a chaotic managerial career for Mourinho, but he has now opened up on the events which took place just a matter of hours ago. Speaking to Sky Sports, he attempted to explain what happened, and continued to plead his innocence. 'I was just screaming, like everyone on the bench and in the stadium, "It's a penalty, it's a penalty!" without any kind of insult, and I get a red card,' he said. 'I know it's a battle I can never win. Asked if he deserves better treatment, he replied: 'I deserve to be (treated) like everybody else. On the pitch it doesn't matter if you are Lionel Messi or playing your first match. The rules are the same for Messi and the young kid. 'For coaches it's the same thing. It doesn't matter if you are Carlo Ancelotti or a young coach just starting. Ancelotti has to behave the same way as the young kid has to behave.' After the game, Mourinho gave a press conference which grabbed attention for his words aimed in the direction of UEFA. He joked he would be prepared to coach a team near the bottom of the Premier League in England when he leaves Fenerbahce to avoid UEFA competitions, saying: 'I think the best thing I have to do is when I leave Fenerbahce, I go to a club that does not play UEFA competitions. 'If any club in England from the bottom of the table needs a coach in two years, I am ready to go. I don't want to say anything more about it.' He added of his relationship with UEFA: 'I don't want to have special treatment, I want to have honest treatment. Just that. So if I do something wrong punish and pay, but if I do nothing wrong leave me in peace, but it's getting difficult. 'Since that Budapest final it's getting difficult. The feeling is, I am in trouble in Europe. I lost a final in a way that I still don't accept, and since then I feel it (a penalty shootout defeat by Sevilla in the 2023 Europa League final).'

Current mortgage rates report for Nov. 7, 2025: Rates slightly increase
Personal Finance 2026-01-05 22:21:29

Current mortgage rates report for Nov. 7, 2025: Rates slightly increase

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.251%, according to data available from mortgage data company Optimal Blue. That’s up approximately 4 basis points from the prior day’s report, and up about 9 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.251%One week ago6.155%One month ago6.244%30-year jumboCurrent rate6.465%One week ago6.425%One month ago6.445%30-year FHACurrent rate6.058%One week ago6.014%One month ago6.109%30-year VACurrent rate5.836%One week ago5.731%One month ago5.811%30-year USDACurrent rate5.923%One week ago6.028%One month ago6.067%15-year conventionalCurrent rate5.543%One week ago5.415%One month ago5.437%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 6, with the numbers reflecting home loans locked in as of Nov. 5. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates were stuck on the verge of 7% for an extended period, that’s because they essentially were. Many observers anticipated that rates would soften when the Federal Reserve started reducing the federal funds rate last year, but there was no sustained decrease in mortgage rates. By January 2025 the average rate on a 30-year, fixed-rate mortgage surpassed 7% for the first time since last May, as indicated by Freddie Mac data. That’s a big jump from the historic average low of 2.65% recorded in January 2021.Absent another major crisis, experts agree we won’t have mortgage rates in the 2% to 3% range in our lifetimes. And, with the economic outlook complicated as President Donald Trump pursues policies such as tariffs and deportations, some observers have worried the labor market could constrict and inflation could resurface. Against this backdrop, U.S. homebuyers long faced high mortgage rates—although some found options for making their purchase more manageable, like negotiating rate buydowns with a builder when purchasing newly constructed property.However, homebuyers and homeowners looking to refinance finally got some relief starting in late August and early September of 2025. At that point, mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting. During that meeting, the central bank announced a highly anticipated rate cut of a quarter percentage point.The Fed followed up with a second cut to the federal funds rate of a quarter percentage point in October. There’s one more meeting on the calendar, scheduled for early December, so there’s still the potential for another cut this year.How to get the best mortgage rate you canWhile economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:Make sure you have excellent credit.The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. For instance, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier in the context of home loan applications.Maintain a low debt-to-income (DTI) ratio.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.Get prequalified with multiple lenders.Consider trying a mix of large banks, local credit unions, and online lenders and compare offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so in a consistent way—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartAn important bit of context for the discussion about high mortgage rates is that rates around 7% feel high because of the recent memory of rates between 2% and 3%. Those rates were possible due to unprecedented government action aimed at preventing recession as the country grappled with a global pandemic.However, under more typical economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates in the vicinity of 7% are not unusually high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.Nevertheless, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe U.S. economy may well be the single largest driver of mortgage rates. When lenders fear inflation, they can raise rates to protect their long-term profits.Plus, the national debt is another significant factor. When the government has to borrow large sums to cover what it spends, that can drive interest rates higher.Demand for home loans is key too. If few people are borrowing, lenders might lower rates to attract business. But if loans are in high demand, they might raise rates to cover their costs.In addition, the Federal Reserve’s actions play a role. The Fed can sway rates for mortgages and other financial products by changing the federal funds rate and by managing its balance sheet.The federal funds rate gets a lot of media attention. When it changes, mortgage rates often follow suit. But remember, the Fed doesn’t set mortgage rates directly, and they don’t always move in perfect sync with the fed funds rate.Perhaps even more importantly, the Fed influences rates through its balance sheet. In tough times, it can buy assets like mortgage-backed securities (MBS) to boost the economy.But recently, the Fed has been shrinking its balance sheet, choosing not to replace assets as they mature. This tends to push interest rates up. So while everyone focuses on cuts or hikes to the fed funds rate, what the central bank does with its balance sheet might be even more important for your mortgage rate.Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with various lenders are both essential steps in obtaining the best mortgage for your situation.If your credit is excellent, opting for a conventional mortgage might be the ideal choice for you. However, if your score is below 600, an FHA loan may give you an opportunity that a conventional loan would not.When it comes to exploring options with different banks, credit unions, and online lenders, it can make a significant difference in your overall costs. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Could Real Madrid’s Vinícius Júnior move to Saudi Arabia after Ballon d’Or snub?
Sports 2025-12-23 12:59:39

Could Real Madrid’s Vinícius Júnior move to Saudi Arabia after Ballon d’Or snub?

Vinícius’s camp is taking stock of what happened - and his Ballon d’Or near-miss has fuelled fears he could decide his future is away from LaLiga.Right now, Vinícius Júnior and the people he has around him are taking stock of Monday’s Ballon d’Or disappointment. Frederico Pena, the Real Madrid star’s agent, applies an extremely analytical mindset to the way he works; he’s at pains to avoid impulse-driven responses. The primary conclusion Pena has reached is that the number of Ballon d’Or votes Vinícius received is very likely to have been adversely affected by the presence of two Madrid team-mates - Jude Bellingham and Dani Carvajal - among the favorites for the award. In particular, it’s felt that votes will have been split between Vinícius and Bellingham. Vinícius’s camp is taking stock of what happened - and his Ballon d’Or near-miss has fuelled fears he could decide his future is away from LaLiga. Right now, Vinícius Júnior and the people he has around him are taking stock of Monday’s Ballon d’Or disappointment. Frederico Pena, the Real Madrid star’s agent, applies an extremely analytical mindset to the way he works; he’s at pains to avoid impulse-driven responses. The primary conclusion Pena has reached is that the number of Ballon d’Or votes Vinícius received is very likely to have been adversely affected by the presence of two Madrid team-mates - Jude Bellingham and Dani Carvajal - among the favorites for the award. In particular, it’s felt that votes will have been split between Vinícius and Bellingham. Vinícius devastated by Ballon d’Or snub Meanwhile, Vinícius’s advisers are also aware that one of the criteria that Ballon d’Or jurors were told to take into account when casting their ballot was “class and fair play” - how players conduct themselves both on and off the field. In this regard, the Brazilian’s camp believes he has been placed at a disadvantage by the abuse he has to put up with at many stadiums around Spain, and a perceived lack of protection against opposition defenders from referees in LaLiga (in Europe, he feels far better looked after by match officials). Within Vinícius’s camp, it’s felt that these are factors that inevitably have a negative impact on his behavior. These two factors - a split vote between Madrid players and the ‘fair play’ criterion - are thought to be why Vinícius missed out on the Men’s Ballon d’Or, with Manchester City and Spain’s Rodri Hernández scooping the accolade instead. Although Vinícius has remained publicly bullish - posting on social media, “I’ll perform 10x better if necessary. They’re not ready” - privately, the 24-year-old is said to be devastated by missing out on the Ballon d’Or. Vinícius had been widely tipped to win the France Football award for the first time in his career. Ahead of Monday’s gala in Paris,he had flown around 50 people to Spain in anticipation of celebrations, and had prepared a huge party in Madrid. As part of his Ballon d’Or-victory festivities, he was also set to appear at the opening of a new Nike shop in the center of the Spanish capital. Vinícius believed that the trophy was his. Does Vinícius’s future lie away from Spain? But above and beyond Vinícius’s immediate sense of crushing disappointment,his Ballon d’Or near-miss could have longer-term consequences on the forward’s future at Real Madrid. He is starting to lose patience with several things. Firstly - and, as mentioned earlier, this was an influence on what happened on Monday - he feels utterly defenseless when he plays in LaLiga. While he accepts that at times he needs to work harder to ignore fans’ and opponents’ efforts to get at him, he feels Spanish referees are not only failing to protect a star whose playing style justifies soccer’s status as the ‘beautiful game’, but even end up punishing him when he complains about treatment he’s receiving. Moreover, fans’ abuse not infrequently crosses a line, descending into racist slurs - most notably, away at Valencia and in several Spanish-capital derbies against Atlético Madrid. The racism Vinícius has suffered in Spain has taken a heavy toll on him. And the growing constellation of stars at Madrid could also impact Vinícius’ long-term career strategy. Last season, Vinícius saw Bellingham take the limelight away from him in the first half of the campaign, before the Brazilian came back to the fore in the run-in. This term, Madrid have signed Kylian Mbappé, another megastar with whom he must now share top billing (not only in sporting terms, but also from a marketing standpoint). At the Bernabéu,such stiff competition for the spotlight could hinder Vinícius’s chances of going one better in the Ballon d’Or next year, even if Madrid win all seven trophies in play this season. Could Vinícius be tempted to Saudi soccer, Premier League? When it comes to Vinícius’s relationship with both Real Madrid and Spanish soccer as a whole,each of the above ingredients combines to create a highly dangerous cocktail. In 2023, his agent negotiated a short-term extension to his Madrid contract, extending his deal only until 2027. That was no coincidence. Pena wanted Vinícius to remain in firm control of his destiny. As things stand, he’s the most potent, penetrative attacker in the world, more so even than Mbappé, and is on the transfer wish list of every European giant that can afford him (chiefly the Premier League’s most powerful clubs, and Paris Saint-Germain). What’s more,Vinícius is also a target for Saudi Arabian soccer; as this newspaper reported, he was the subject of an eye-watering bid from the Saudi Pro League last summer. It was an offer that Madrid’s president, Florentino Pérez, refused to countenance, but the player himself took a different attitude to the approach. Were he to go to Saudi Arabia, he could sign the biggest contract in the history of men’s soccer. So, despite his commitment to enjoying further success at Madrid, Vinícius was interested in learning more about the Saudi offer, and his agents even discussed the potential for such a switch further down the line. Events such as Monday’s Ballon d’Or disappointment are the kinds of factors thatcould contribute to taking Vinícius down that path, or pushing him towards a league such as the English top flight.

Americans buy more vibrators: the Edenfantasys expert explains
Health 2025-12-25 06:37:04

Americans buy more vibrators: the Edenfantasys expert explains

ContentsA shift in pleasure prioritiesWhy now? What drives the tree?1. The Pandemie has changed the game2. The rise of sexual welfare culture3. Better, smarter, more innovative toys4. More men are on boardPleasureWhat is the following? The future of VibratorsIt’s time for an important changeThe numbers don’t lie. Americans love vibrators like never before. In the past, vibrators (every sex toys) were seen as a secret affair, a bit embarrassing and weird. But times have changed. Vibrators are displayed in regular stores, openly discussed on social media and embraced by people of all genera and backgrounds. Everyone seems to love vibrators, from young enthusiasts to retired people. People are no longer shy about it.The sale of sex toys recently exploded and reflected a great shift that helped people to embrace their desires without shame. Experts from Edenfantasys, as well as other Sex toy shopsNote that this peak will not only be a passing trend. This amazing sex toys reflect a more open -minded picture, changing priorities and, to be honest, pursuing better orgasms. But why now? What feeds this pleasure revolution?A shift in pleasure prioritiesSexual well-being is not a side issue is an essential part of self-care. People realize that pleasure is just as important as physical and mental health.Fun, satisfaction and stimulation were seen as a word subject to discuss. But that changes quickly. “It used to be Hush Hush. Now talking the table. We see people discuss vibrators openly, recommend their favorites and even give them at bachelor parties and birthdays..ud1bfab98b0e60caa390f9a3a3ee635bc { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ud1bfab98b0e60caa390f9a3a3ee635bc:active, .ud1bfab98b0e60caa390f9a3a3ee635bc:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ud1bfab98b0e60caa390f9a3a3ee635bc { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ud1bfab98b0e60caa390f9a3a3ee635bc .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ud1bfab98b0e60caa390f9a3a3ee635bc .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ud1bfab98b0e60caa390f9a3a3ee635bc:hover .postTitle { text-decoration: underline!important; } See alsoWhen and how it is usedAnd the statistics support it. According to market research agency IBIS World, the adult toy industry in the US is now worth billions and is expected to continue to grow. Millennials and Gen Z, in particular, drive this increase, thanks to their no-nonsense approach to sexual well-being.Why now? What drives the tree?So why do vibrators fly out of the shelves with record speed? There are a few important factors in the game:1. The Pandemie has changed the gameWhen Covid-19 Lockdowns kept people in, many turned to self-part as a form of stress lighting. Online sales of vibrators rose during this period and the habit lingered. Sophia Martinez, a product specialist at Edenfantasys, notes: “People had time to explore their bodies, preferences and needs. Self-discovery has not faded it is only stronger.2. The rise of sexual welfare cultureMore than ever, people treat pleasure as a wellness exercise, exactly there with yoga and skin care. Influencers, podcasts and brands normalize conversations about sex, so vibrators simply create a different item on the self-care list.“Sexual wellness brands not only sell adult toys; They sell empowerment, trust and self -love, “says sex therapist Dr. Emily Carter, a recognized sex therapist who cooperates with clients to explore their sexual needs. “The more we talk about it, the fewer shame people feel. And that makes the difference. “3. Better, smarter, more innovative toysForget the old -fashioned buzzing bullet from the past. Now all vibrators are beautiful, sleek and high-tech-er is a vibrator that is for every taste, from app-controlled wonders to ultra-quiet engines..udbeb7670fd7329b55372b3bf6a31aba1 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .udbeb7670fd7329b55372b3bf6a31aba1:active, .udbeb7670fd7329b55372b3bf6a31aba1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .udbeb7670fd7329b55372b3bf6a31aba1 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .udbeb7670fd7329b55372b3bf6a31aba1 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .udbeb7670fd7329b55372b3bf6a31aba1 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .udbeb7670fd7329b55372b3bf6a31aba1:hover .postTitle { text-decoration: underline!important; } See alsoThings to do if you have an accident at workProduct specialists at Edenfantasys have noticed: “We have seen a great shift to body -safe materials, ergonomic designs and functions that meet all preferences. “More people feel comfortable in premium, chic vibrators.”4. More men are on boardIt is not only women who feed the question. More men are investigating vibrators for their own pleasure, whether it is solo or with a partner. “We see an increase in prostate massagers, trembling pick rings and the toy of couple. Boys realize that there is a whole world of sensation.This openness shifts cultural standards, making vibrators a regular staple in bedrooms throughout the country.PleasureWhile the sale of Vibrator is booming, there is still work to be done to make fun really shame. But the tide turns.“For decades, sex toys were treated like a dirty little secret. But people restore their right to pleasure, “says Carter. “The more we normalize vibrators as just another wellness tool, the more accessible and accepted they become.”Retailers such as Edenfantasys play a major role in this shift by offering education in addition to products. From detailed guides to expert advice, they ensure that people feel informed and confident in their choices.What is the following? The future of VibratorsVibrators will continue to bloom without a doubt. We see a future in which vibrators are fully integrated into our daily lives, just like any other product.There are more AI-driven vibrators with intense, adaptable sensations and toys that synchronize for a more personalized, fiery experience. The future of vibrators is extraordinary. There is no longer ‘one size fits all’, it’s all about what works best for you..u577d43ed145e8634798f1e01a623bab9 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u577d43ed145e8634798f1e01a623bab9:active, .u577d43ed145e8634798f1e01a623bab9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u577d43ed145e8634798f1e01a623bab9 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u577d43ed145e8634798f1e01a623bab9 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u577d43ed145e8634798f1e01a623bab9 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u577d43ed145e8634798f1e01a623bab9:hover .postTitle { text-decoration: underline!important; } See alsoSpirit Airlines data shows where Americans are heading into ThanksgivingIt’s time for an important changeThings change a lot. Vibrators are now so normal and common as skin care, make -up or gym equipment. Discussions about vibrators or any type of sex toys are nowadays quite normal. Many people feel more confident to follow their fantasies without shame or fear.It is great that older adults, long -distance savings and even people with disabilities can find vibrators for their unique needs. Inclusivity in the pleasure industry is a huge step. Everyone deserves access to pleasure, and companies finally acknowledge that, ”adds Dr. Emily Carter to it.The integration of sex toys with wellness routines also leads to acceptance in medical and therapeutic spaces. Many therapists recommend vibrators as part of healing or postmenopausal care. Sophia Martinez, a product specialist at Edenfantasys, is sure that people start to see that vibrators are not just about pleasure, stimulation and orgasms. They are about a stronger connection, self -discovery and general well -being.Eventually Americans buy more vibrators because they finally give themselves permission to prioritize pleasure. And that is a trend that is worth celebrating.So whether you are new to the game or add to your collection, there has never been a better time to embrace the joy of self -discovery and to take care of your body. Because let’s really be – everyone deserves large orgasms.

Smart Home -adjustments for chronic pain lighting
Health 2025-12-22 21:36:11

Smart Home -adjustments for chronic pain lighting

Living with chronic pain can convert daily tasks into important challenges. Via evidence-based adjustments and strategic adjustments you can create an environment that actively supports your comfort and well-being. Research shows that thoughtful home adjustments can make a measurable difference in daily comfort and independence.ContentsLet space work for youSmart storage solutionsComfort where it countsControl your environmentMovement made easierDaily rhythms and routinesYour path forwardsBy one Extensive NIH studyAbout 21% of American adults experience chronic pain – defined as pain that occurs for at least three months in most days or every day. Moreover, 8% reports high-impact chronic pain (HICP), where pain in this period is considerably limited.Although medical treatments form the basis for pain care, the environment in which we live can increase or alleviate our discomfort. Let us explore practical solutions that can help create a more supportive living space.Let space work for youStart with your most important living spaces. Place furniture to create clear paths and easy access. Consider using adjustable high surfaces that can be changed based on whether you are or stand. Position seats near Windows to use natural light, with smart window coverings for simple adjustment.Move seats closer to heat in the winter and in airy places in the summer. Furniture sliding controllers make these changes easy. Install movement sensor lights in walkways and transition areas to reduce the range of switches. Keep daily items within reach at activity stations. This setup helps you to stay independent while you go less. Don’t forget to leave enough space between pieces of furniture for safe movement. Small changes in your layout can make a big difference in daily comfort.Smart storage solutionsThe National Institute for Occupational Safety and Health recommends that it is often used items between shoulder and hip height, which reduces the physical voltage to 40%. Here is how you can optimize your storage:Make a “golden zone” for everyday items between shoulder and hip levelInstall movement sensor lights in cupboards and cupboardsUse extractable drawers and rotating organizers to eliminate bendingAdd speech-activated systems for often used items.u37c61e888dc2b96604c1a043a3f91daa { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u37c61e888dc2b96604c1a043a3f91daa:active, .u37c61e888dc2b96604c1a043a3f91daa:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u37c61e888dc2b96604c1a043a3f91daa { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u37c61e888dc2b96604c1a043a3f91daa .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u37c61e888dc2b96604c1a043a3f91daa .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u37c61e888dc2b96604c1a043a3f91daa:hover .postTitle { text-decoration: underline!important; } See alsoHow to care for your mental health while physically recovering from a serious injuryFor specific conditions:Arthritis: Use automatic pot openers and lightweight cooking utensilsBack pain: Install sliding boards to minimize the achievement and turningFibromyalgia: Keep essential items within reach and organize on the frequency of useLabel storage areas clearly and settled activity zones based on your daily routines. Grabbers with long positions can help gain access to items on high shelves while retaining safe positioning.Comfort where it countsStrategic damping can convert ordinary seats into supporting resting places. Test different cushion combinations for daily activities, because comfort needs vary between reading, watching TV and sleeping. Ensure the right positioning with feet flat on the floor and knees at hip level.For arthritis, try programmable heated throws and electric blankets. Consider ergonomic accessories for computer work. Sterpretical patients must concentrate on supporting mattresses and the right pillows. Adjustable beds, including Affordable hospital beds From renowned suppliers, such as Shop Home Med, ensure adapted positioning to relieve pressure points.Those with conditions such as fibromyalgia or CRPS can take advantage of pressure -fervated pillows and specialized supports. Integrate Smart Home functions to arrange bed positions and room temperature via speech assignments.Control your environmentTemperature and moisture control have a significant influence on the comfort levels. Use Smart Home technology to control lighting and temperature via speech assignments, reducing the need for physical movement. Zone -heating is often more effective than heating the entire rooms. Install programmable thermostats to match your daily patterns – cooler air to sleep, heat during morning stiffness..u4a3e43f376801a0aa3ef396706984d31 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4a3e43f376801a0aa3ef396706984d31:active, .u4a3e43f376801a0aa3ef396706984d31:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4a3e43f376801a0aa3ef396706984d31 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4a3e43f376801a0aa3ef396706984d31 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4a3e43f376801a0aa3ef396706984d31 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u4a3e43f376801a0aa3ef396706984d31:hover .postTitle { text-decoration: underline!important; } See alsoHow jewelry can be a smart investmentAir quality plays a crucial role in comfort. Following these practical steps for maintaining fresh indoor air, especially during the winter months, can make a considerable difference. A basic humidifier with smart operation can transform a stuffy room into a more breathable space. Many believe that maintaining the right humidity levels helps to reduce the stiffness of joints and muscle tension.For people with nerve pain, such as neuropathy, the sensitivity to temperature changes can be a concern, making precise temperature control even more important. If you have migraine or other headache disorders, you install smart lighting systems with automated dim functions and black -out curtains that are controlled via mobile apps.Movement made easierIndicate a specific area for soft exercise, even if it is only a 4 × 4 feet space near a sturdy chair. Set options for both sitting and standing activities, with the help of adjustable height surfaces. Wall -mounted Gripbars offer safety during movements. Save training tools in an accessible but organized way – a decorative basket can house resistant ties, small weights or therapy balls while staying visibly but tidy.For arthritis, focus on soft movement range and warm-up routines, using a programmable paraffin wax bath for joint relief. Sterpretical patients must give priority to the core reinforcement and the right attitude. Those with widespread pain, such as fibromyalgia, must start with very soft movements and considering water -based exercises. Always consult a physiotherapist for personalized recommendations.Daily rhythms and routinesWork with the natural patterns of your body instead of against them. A smart rolling cart next to your bed can transform challenging mornings, so that essence remains within reach. Organize daily supplies based on typical pain patterns – morning mobility items, afternoon activity supports and evening relaxation aids..ufd607110802df6081e58e76a710f0c5b { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ufd607110802df6081e58e76a710f0c5b:active, .ufd607110802df6081e58e76a710f0c5b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ufd607110802df6081e58e76a710f0c5b { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ufd607110802df6081e58e76a710f0c5b .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ufd607110802df6081e58e76a710f0c5b .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ufd607110802df6081e58e76a710f0c5b:hover .postTitle { text-decoration: underline!important; } See alsoDriving home for the holidays? Follow these 5 tips to ensure a safe tripDesign activity zones that naturally stream from one to the other. A carefully arranged coffee station with adjustable altitudellers can connect to a cozy breakfast corner, which leads to a reading corner filled by the sun. Add calming elements such as indoor plants or a programmable table fill fountain for soft sensory stimulation.For arthritis pain that fluctuates, plan activities around your energy levels. If you have back pain, you maintain consistent sleeping schedules and good sleep hygiene. Those who manage chronic fatigue in addition to pain must use smart home automation to save energy throughout the day.Your path forwardsStart by keeping a simple timetable for pain and activities for a week. Notice on which daily tasks cause the most difficulty and which times of the day are the biggest challenges. Various free smartphone apps can keep these patterns, or you can use a basic memorandum book to record your observations. This personal data becomes your blueprint for making targeted improvements where they are most important. Document what changes offer lighting and are willing to adjust your setup if seasons change – what works in the summer may need to be adapted for winter comfort.Focus on one area at the same time, where each adjustment is controlled before you go to the next challenge. Small victories build trust and momentum. Every well -considered adjustment changes your space to a sanctuary that supports your well -being. You not only manage pain – you create an environment that helps you to thrive despite it.

Current price of silver as of Monday, November 10, 2025
Personal Finance 2026-01-10 20:15:06

Current price of silver as of Monday, November 10, 2025

At 8:15 a.m. Eastern Time on November 10, 2025, silver was valued at $50.09 per ounce. That’s a $1.39 uptick from the same time on Friday and more than a $19 gain over the past year. Silver price per ounce% ChangePrice of silver yesterday$48.70+2.85%Price of silver 1 month ago$49.39+1.41%Price of silver 1 year ago$30.68+63.26%Price of silver yesterdaySilver price per ounce$48.70% Change+2.85%Price of silver 1 month agoSilver price per ounce$49.39% Change+1.41%Price of silver 1 year agoSilver price per ounce$30.68% Change+63.26%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver is not a get-rich-quick investment. It tends to far underperform traditional stocks over the long term. Since 1921, silver has declined around 96% against the S&P 500. In other words, if you had invested the same amount of money in both stocks and silver at the same time, your silver would now be worth 96% less than your stocks. Instead, silver is considered a comparatively safe and reliable asset that can help you to preserve the value of your money. You’ll sometimes hear it described as a “store of value.” It tends to retain its value during periods of inflation—so converting your money into silver is something like a cryogenic chamber to store your funds when inflation is weighing on your mind.Silver tends to be more volatile than gold. While gold is largely used as a store of value, silver is also widely used in industry (think electronics, medical devices, etc.). This means the value of silver is more directly susceptible to industry demands.What does “spot silver” mean? Put simply, the “spot silver” price is the current rate at which one could in theory instantly sell or buy silver. But, it’s crucial to note individual buyers will often have to pay above spot when buying silver, as there are other costs affecting the final price—think markups, shipping fees, and insurance.  The spot price of silver is a benchmark that investors use to monitor real-time demand and trends. If the spot price is higher, the demand is greater. What is “price spread” in silver trading? Silver’s “price spread” is the disparity between its buying and selling price. There are two terms you should know: Ask price (what you’ll pay to purchase silver). Bid price (what you’ll earn when selling your silver). As you’d expect, the bid price is lower than the ask price. The narrower the bid-ask spread, the higher the demand for silver. #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }How to invest in silver Investing in silver can take many different forms. You can choose to collect physical silver, or you can (more commonly) invest in silver exchange-traded funds (ETFs).The latter allows you to buy shares in a fund that holds silver—meaning you won’t have to store and insure it yourself. Popular silver investment options include: Silver bullion.Sold as bars or rounds, you can purchase these by weight and purity. Silver coins.While coins and rounds may look similar, coins are government-minted currency. There are many silver coin options that tend to price higher than standard bullion, including American Silver Eagle and Silver Maple Leaf coins due to factors such as rarity and government backing. Silver jewelry.Silver crafted into jewelry prices above silver bullion of equal purity. Silver mining stocks.Purchasing stock in a company that mines silver allows you to bet on silver without owning any metals yourself. Silver investments, such as silver bullion and coins, follow the “three nines fine” rule to be traded on exchange platforms. If it’s less than 99.9% pure, it’s typically considered a collectible or industrial-grade.  The best silver IRA companies can walk you through the specifics.Is it a good time to invest in silver? Silver is doing well in 2025, rising nearly 25% year-to-date. It’s currently priced higher than any time in the previous decade. Still, the answer as to whether now is a good time to invest in silver is subjective. For example, if you’re worried about increased inflation, adding precious metals to your portfolio can be a smart choice. Or, if you’re looking toward an impending surge in silver demand (perhaps from increasing popularity in green initiatives that require silver, such as solar equipment) that could drive up value, buying silver might make sense. Current precious metals prices as of 8:15 a.m. ET on November 10, 2025Precious metal Price per ounceGold$4,104.09Silver$50.09Platinum$1,584.30Palladium$1,439.02GoldPrice per ounce$4,104.09SilverPrice per ounce$50.09PlatinumPrice per ounce$1,584.30PalladiumPrice per ounce$1,439.02Gold, platinum, and palladium are also investor favorites. Platinum and palladium typically act similarly to silver in volatility. They’ve got a smaller global market compared to gold, meaning even seemingly trifling market changes can result in big price fluctuations. Gold, meanwhile, tends to be less volatile overall than these metals.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway With the U.S. economy experiencing unique uncertainty of late, precious metals may be an investment on your radar. Silver has outpaced gold in 2025 in terms of growth, and some experts suspect a boom in the coming years that could result in silver pricing at an all-time high over again. Silver is a very accessible investment, especially compared to the price of gold. Even if you’re reluctant to hold physical coins or bars, you can choose to buy silver ETFs or silver mining stocks to ride the expert-predicted silver wave. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Experts recommend between 10% and 15% of your portfolio to be in silver—with no more than 20% in total invested in precious metals. Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? Silver has been increasing in value due to a combination of scarcity and both industrial and investor demand.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current ARM mortgage rates report for Nov. 10, 2025
Personal Finance 2025-12-26 02:37:13

Current ARM mortgage rates report for Nov. 10, 2025

While the bulk of homebuyers choose fixed-rate mortgages, there are cases where you might want to look closely at an adjustable-rate mortgage instead. For example, ARMs can be a smart option for folks buying a property to rent out or flip, or intending to move within a few years—meaning you’d move before the ARM’s introductory fixed-rate period ends and adjustments begin.Read on and we’ll explain how an ARM works, when you might want to consider an ARM over a fixed-rate loan, and look at current ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Average ARM mortgage ratesFortune reviewed the most recent data available as of Nov. 7. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.750%6.000%6.125%APR6.513%6.584%6.670%Interest RateBank of America 7/6 ARM5.750%U.S. Bank 7/6 ARM6.000%Zillow Home Loans 7/6 ARM6.125%APRBank of America 7/6 ARM6.513%U.S. Bank 7/6 ARM6.584%Zillow Home Loans 7/6 ARM6.670%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesAbout 92% of households with mortgages have fixed-rate home loans. Unlike ARMs, where the interest rate can fluctuate after an initial fixed-rate period, your rate is the same for the life of the loan when you have a fixed-rate mortgage. It’s easy to see why that’s a popular option.However, ARMs can make sense in certain situations. In other words, you might find you’re among the roughly 8% of mortgage holders who decide this type of loan offers an opportunity. When you might consider an adjustable-rate mortgageHere are three categories of homebuyer for whom ARMs can be helpful:Buyers of temporary or “starter homes.”If you’re fairly confident you won’t be in your home for long, an ARM might be a strategic choice since you can take advantage of the low fixed-period interest rate and then sell the home before the adjustment period hits. Investors.Many real estate investors like ARMs for a similar reason. They may secure a low interest rate upfront, and as the adjustment period approaches in three, five, or seven years, can adjust the rent to reflect the new mortgage payment or flip the property and buy the next one. Buyers during periods of high interest rates.Finally, many buyers go out on a limb with an adjustable-rate mortgage during periods of high interest since it’s more likely to offer a lower rate upfront andon the back end, assuming things cool off by the time your fixed period expires.  Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically start off with a low, fixed interest rate for a set period of time—such as three, five, seven or 10 years—and after the “fixed period” expires, the “adjustment period” begins. Here’s where things get interesting. During the adjustment period, the interest rate on your ARM can fluctuate based on several key factors, including: Benchmark rates.ARMs commonly get their base interest rate from a benchmark called the Secured Overnight Financing Rate (SOFR). The U.S. Treasury publishes a new SOFR each morning as a way to tell banks and lenders “hey, here’s the cost of borrowing cash today.” That, in turn, helps lenders set market-appropriate interest rates for various products from auto loans to mortgages. Margins.The margin is a fixed percentage that your lender adds to the index to come up with your ARM interest rate. So if you have an ARM tied to the SOFR and the SOFR is 5% while your margin is 2%, your ARM rate will be 7%. Margins typically range between 2% and 3.5% and can vary based on the lender, loan and your creditworthiness. Margins are also set in stone as part of the loan agreement, so it’s best to shop around to see which lenders can offer more competitive margins. Rate caps.Finally, rate caps put a limit on how much your rate can rise throughout the course of the loan. “Initial” adjustment caps control how much the rate can rise the first time, “subsequent” adjustment caps dictate how it can rise after the initial cap, and “lifetime” adjustment caps put a limit on how much your interest rate can increase in total. The most common ARM length may be the 5/1, meaning the loan has a fixed interest rate for five years, and once that expires, the interest rate will start changing every one year for 25 years (most ARMs have 30-year terms). Another common ARM length is the 10/6, meaning you’ll have a 10-year fixed period and a 20-year adjustment period during which the interest rate will change every six months. You may also see 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageSometimes, even if it was advantageous to buy your property using an ARM, you eventually realize a fixed-rate mortgage would be preferable looking ahead. For instance, maybe you’ve decided your first home is going to be a long-term home after all. You’re not alone if that’s the situation—research from 2024 found that a substantial number of Millennial and Gen Z homeowners can’t afford to upgrade and are making do with their starter homes.Regardless of the specific reason, know that it is possible to refi from an ARM to a fixed-rate mortgage. In fact, it’s probably a fairly common reason for ARM holders to refinance.  Refinancing from an ARM to a fixed-rate mortgage isn’t rocket science, and works pretty much like refinancing from fixed-to-fixed. You’ll apply with multiple lenders to find the best rates, provide the necessary documentation, close on your new loan and pay your old loan in full.Pros and cons of adjustable-rate mortgagesLike any other mortgage type, ARMs come with a mix of pros and cons. While your lender can ultimately decide which mortgage type is right for you, knowing the basics can help you budget and navigate the early steps of the process: N/AProsPossibility for a lower interest rate upfront.Lenders typically offer lower interest rates for ARMs than fixed-rate mortgages during the initial (aka fixed) period. Lower borrower requirements.Because monthly payments start out lower, many lenders may ease requirements for ARM borrowers compared to fixed-rate borrowers (e.g. potentially accepting borrowers with 50% DTI). Monthly payments may decrease.If interest rates drop between now and when your fixed period ends, you may find yourself paying an even lower monthly payment. ConsBut, monthly payments may go up.Once your fixed rate expires, your interest rate can rise as high as the lifetime cap allows (often up to 5 percentage points higher than your starting rate). To illustrate, if the interest rate on a $400,000 principal rose from 7% to 12% overnight, the monthly payment would rise from something like $2,661 to around $4,114—a leap of $1,453, or 54.6% to put it another way.Difficult to rate shop.When discount points are removed from the equation, fixed-rate mortgage offers from Lenders No. 1 and No. 2 will be relatively easy to compare apples to apples. ARMs, however, have numerous moving parts and it can be difficult to find the right deal upfront. Less peace of mind.Even as the cost of taxes and insurance rises, fixed-rate borrowers have the peace of mind knowing that their fundamental mortgage payment will never change. ARM borrowers may enjoy lower rates upfront and possibly lower rates long term, but they won’t enjoy that long-term sense of stability.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Ruben Amorim: Sporting boss could be in position at Utd in time to face Chelsea
Sports 2026-01-01 10:53:11

Ruben Amorim: Sporting boss could be in position at Utd in time to face Chelsea

Man Utd are in advanced talks with Sporting head coach Ruben Amorim and he could be in charge for Sunday's Premier League clash with Chelsea, live on Sky Sports.United approached Sporting over appointing Amorim as their new boss and talks are thought to be advancing over making the 39-year-old Erik ten Hag's successor after the Dutchman was sacked on Monday morning. Man Utd are in advanced talks with Sporting head coach Ruben Amorim and he could be in charge for Sunday's Premier League clash with Chelsea, live on Sky Sports. United approached Sporting over appointing Amorim as their new boss and talks are thought to be advancing over making the 39-year-old Erik ten Hag's successor after the Dutchman was sacked on Monday morning. Amorim was part of the club's shortlist of options as revealed bySky Sports Newson Monday, and on Tuesday Sporting informed the Portuguese stock exchange that Man United were prepared to pay the £8.3m release clause. A deal has not been done yet and sources insist an announcement on United's new permanent manager is not imminent, but if a compensation package can be agreed Amorim could be in the dugout at Old Trafford for Sunday's home game with Chelsea, live onSky Sports. Despite batting away the question of whether he is in the frame to get the Old Trafford job during a press conference after Ten Hag's sacking, it is understood Amorim would relish the challenge of coaching United. When asked about his future in the wake of Ten Hag's sacking, Amorim said at a pre-match press conference on Monday: "I was expecting that question and obviously I am not going to talk about my future. "I am not going to speak about my future because no matter what I say I'd have to always talk about it. "Since the first day, I said it was not worthy to ask about it and I am not going to make any comments about my future." He added: "I am very proud of being Sporting head coach." In recent weeks he has been suggested as a future Manchester City manager with Sporting's Hugo Viana, a close friend, due to move to the blue half of Manchester as the club's new director of football next season. A former Benfica and Portugal midfielder, Amorim retired as a player in 2017 and just two years later he took up his first managerial job at Braga. He then joined Sporting in March 2020 where he has established himself as one of Europe's most sought-after young coaches, twice guiding the club to the league title. He has also won the Taca da Liga - the Portuguese League Cup - on three occasions, twice with Sporting and once with Braga. 'Amorim expected to become the next Man Utd manager' Sky Sports News Chief Reporter Kaveh Solhekol: "Multiple sources in Portugal are telling us they expect Ruben Amorim to become the next Man Utd manager. For that to happen, United need to sort out a compensation package with Sporting. "That will not be complicated as in his Sporting contract, it says if United want him, they will have to pay €10m (£8.3m) compensation. He has different release clauses in his contract for different clubs, so if he was to leave for a Portuguese team, it would cost €30m (£24.9m), but if he was to leave for a club abroad, it would be €20m (£16.6m). But for the biggest clubs, the 'killer clubs' as they are called in Portugal, a United is one, it is €10m (£8.3m). "So as long as he tells Sporting he wants to join United, there is a very good chance he will be their next manager." Why Man Utd are in talks with Amorim Sky Sports News chief reporter Kaveh Solhekol: "Amorim was linked with the West Ham job, the Liverpool job and there is even talk of him being a Manchester City manager one day. "He is one of the most coveted young coaches in Europe at the moment. It is not just United who are interested. "One of the stumbling blocks to this deal being done is the fact that he's got this release clause in his contract. "Sporting had to pay a big release clause to get him in the first place and United will have to pay €10m (£8.3m) to get him. "United have to comply with PSR rules and they have to also pay off Erik ten Hag so there's talk they will have to pay him the region of £15m. "So United would need to spend not only to sack Ten Hag but also to bring in Amorim. "His brand of football is attractive but some detractors would say what he has achieved has been over a very short period of time in Portuguese football. "With all due respect, the level of the Portuguese league is not at the same level as others in Europe. But it looks like Amorim could be the next big Portuguese manager." 'Amorim will change tactics depending on the opposition' Portuguese football journalist Pedro Sepulveda: "Amorim always plays with three centre-backs, so Man Utd will have to change their tactics from under Ten Hag. "It is offensive football, a team that scores many, many goals and they hardly concede any, so he has a concrete idea how to play. "However, we have seen many times that if Amorim wants to change formation due to the opponent he is facing, that is not a problem too. "More importantly, he is a coach that studies his opponents a lot and the Premier League is a really good league for Amorim. "Amorim always says he does not have Twitter or Instagram, he says he never knows what is written in the press. "But he is a coach whose communication is very, very good, if you look at his press conferences, he always says the right things. "In my opinion, he is a coach who is above the others in terms of communication and behaviour during and after the match, which is very important these days. "Of course, he will have the pressure of being Man Utd coach, but there are some similarities with here, like Man Utd are not used to winning things. "So I really think he could make United one of the favourites for next season's Premier League." Why Sporting coach Amorim could be right for Man Utd Sky Sports' Adam Bate: It has long been inevitable that Ruben Amorim would take one of Europe's biggest jobs. Winning the title with Sporting in 2021 at the age of 36 all but guaranteed that. Repeating the feat last season only underlined his ability as a coach. Sporting recognised that this was a special talent very early, famously paying a huge release clause after his spectacular start at Braga. They bet on his tactical mind, his fierce commitment as a player, but more than anything on the power of his personality. In conversation with a series of Portuguese coaches, some of whom have pitted their wits against Amorim in his native country, we will explore his rise, what it is that makes him so impressive as a coach, and, crucially, whether this can be translated into his next job.

Garnacho's brother reacts to Amorim's imminent appointment as Man Utd's manager
Sports 2025-12-19 15:35:18

Garnacho's brother reacts to Amorim's imminent appointment as Man Utd's manager

Alejandro Garnacho's brother has delivered his verdict on Ruben Amorim's imminent appointment as Manchester United's new manager.Sporting Lisbon have announced that Amorim is on the brink of moving to Old Trafford, with United 'expressing interest' in paying his £8.3m release clause. Alejandro Garnacho's brother has delivered his verdict on Ruben Amorim's imminent appointment as Manchester United's new manager. Sporting Lisbon have announced that Amorim is on the brink of moving to Old Trafford, with United 'expressing interest' in paying his £8.3m release clause. Amorim is expected to take charge of Sporting for one final time tonight as they face Nacional in the Portuguese Cup, before joining United. With Amorim closing in on replacing Erik ten Hag, Roberto Garnacho has taken to X to post his reaction to the change in the dugout. 'Just praying to see a Man United which the fans are fully behind the manager and criticising the players when it's needed!' he wrote. 'Let's go Reds, hope good things coming for us.' Roberto's post appears to suggest that United fans had lost faith in Ten Hag after a dire start to the season. United have lost four of their opening nine league games to sit 14th in the table, while they are yet to win in Europe this term. His comment on criticising players could be construed as a thinly-veiled dig at supporters, with boos ringing around Old Trafford becoming a regular occurrence this season. The Red Devils have been beaten 3-0 at Old Trafford by Liverpool and Tottenham, while also losing on the road to Brighton and West Ham. That loss at West Ham on Sunday proved to be the final straw for Ten Hag, and Amorim will now be charged with bringing the feel-good factor back to United. He will not be in place for Wednesday night's Carabao Cup tie against Leicester City, with Ruud van Nistelrooy set to take charge of that match. But United hope he will be ready to lead the team this weekend when they host an in-form Chelsea side on Sunday afternoon.

Where can I find the best deals for luxury vinyl floors? 4 options for environmentally conscious homeowners
Health 2025-12-23 21:22:33

Where can I find the best deals for luxury vinyl floors? 4 options for environmentally conscious homeowners

ContentsWhat is vinyl floors? Where can I find the best deals for luxury vinyl floors?Carpet and tileFloor liquidatorsThe Home DepotWoodwudy Wholesale FloorsTips to get the best prices1. Please note sale2. Compare prices3. DIY installationWhy choose vinyl floorsFind the best luxury vinyl floor dealsLuxury vinyl floors is a stylish and budget -friendly choice to install when upgrading your house. It offers the elegant appearance of hardwood or stone without the hefty price tag. Regardless of the size of your room, finding the best deals can make a huge difference for your wallet and the sustainability of your house.What is vinyl floors?Vinyl floors is versatile and durable Synthetic option composed of multiple layers From materials. They usually include PVC, fiber optic and plasticizers. The layers are melted to create a resilient floor covering that mimics the appearance of natural solutions.Many people turn to vinyl floors because they have large areas to cover a small budget, need something that can withstand the test of time and wear, or want the appearance of luxury without breaking the bank.Where can I find the best deals for luxury vinyl floors?Here are four of the best vinyl floor options for your house. These companies offer stylish and budget -friendly solutions that will offer your house a touch of glamor.Carpet and tileCarpet and tile is a one-stop floor solution stop. It is ideal if you are looking for a place where you can find everything you need.This company has digital and physical store fronts and offers seven brands of luxury floors. Each offers a series of vinyl options, from shelf to tile, with different colors, textures and prices. You can easily Navigate by the filter menu On the website to choose your style based on warranty, the land of manufacture and the width of the sheets.Carpet & Tile Mart can equip your house with luxury vinyl floors that looks like oak, marble or stone paving stones. With these choices you can adhere to your budget and make the room that you can upgrade, luxurious and stylish.Floor liquidatorsIf you are looking for many floors options, floor liquidators is an excellent place to start. It offers more than 1500 color options and has something for every room and taste.You can find more than 30 options for vinyl floors on the company’s website, which can be further limited to the specific collections you are looking for..u351fa73307c458a00860931dae973d75 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u351fa73307c458a00860931dae973d75:active, .u351fa73307c458a00860931dae973d75:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u351fa73307c458a00860931dae973d75 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u351fa73307c458a00860931dae973d75 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u351fa73307c458a00860931dae973d75 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u351fa73307c458a00860931dae973d75:hover .postTitle { text-decoration: underline!important; } See alsoNavigating after service trauma and building a healthy lifeLiquidators from the floor also offer a filter for the thickness of the vinyl and various surface textures, from relief to wire brushes. If you are not sure if a vinyl magazine fits in your room, you can order a sample and test in your room before placing your order.You can have your items delivered for a small fee or pick them up in the store for free. Liquidators for floors also offer free estimates at home, so that you can make the best decision for your floor needs.The Home DepotThe Home Depot has as many options as other stores. It offers great offers for vinyl floors and is a trusted retailer for many Americans. It is also easily accessible, online or personal.It offers pick-up and delivery in the store. The website shows you exactly which options are trending, so if your trend remains important for you, you can be sure that you get the latest styles.The site offers options for many budgets, and the filters enable you to choose through the look you want, such as tiles or wood, as well as the thickness of the sheets, brand, color family and water protection. This is extremely useful if you add the floor to a damp area in your house or an area with a lot of traffic where often spills can be.The Home Depot is a good place to buy your vinyl floors if you do a large renovation project and buy many other materials for home improvement, because you can get what you need in one place.Woodwudy Wholesale FloorsWoodwudy wholesaler floors has more than 600 vinyl floors, so you are still spoiled. This company also offers installation material, so that you can get everything in one place if you plan to do the work yourself.It offers financing options if you have a tight budget, so you want to continue your dollar. The store is strictly online. In addition to the delivery of home, you can also pick up your products from one of the warehouses. This is an excellent option for anyone who needs a simple way to upgrade their living space.Woodywudy also offers floor samples and has a risk -free 30 -day warranty. The company is proud of its sustainability initiatives, with environmental friendliness at the forefront of its organization.The company is also committed to quality and offers a delivery guide and checklist. This helps to ensure that when you receive your order, everything is in the best and you can save it like this while you turn out it and start installing..u7c7e4a6757d1a960169494a5daea44ab { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u7c7e4a6757d1a960169494a5daea44ab:active, .u7c7e4a6757d1a960169494a5daea44ab:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u7c7e4a6757d1a960169494a5daea44ab { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u7c7e4a6757d1a960169494a5daea44ab .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u7c7e4a6757d1a960169494a5daea44ab .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u7c7e4a6757d1a960169494a5daea44ab:hover .postTitle { text-decoration: underline!important; } See alsoResearch into the health benefits of physiotherapyTips to get the best pricesNow that you know exactly where you can get the best deals for luxury vinyl floors, you need some tips on how to get it. There are many different ways to save money without endangering the quality that you need in your home.1. Please note saleSales at the end of the season or the stopping of products are always a great option to get the best floor deal. However, you have to move quickly, because the stock will certainly be used up. If you do a large project, this may not be your best option unless you can afford to buy everything you need.However, do not only look for sales online. Travel through your region to find discounts and close -outs in selected stores. These sales may not be available online, but only in the store, because the specific location aims to clean up the stock.2. Compare pricesPrice comparison is a great way to ensure that you get the best deal for your budget. Buy around and compare the prices and quality of the items. Sometimes you may pay a little more for something that you will last for a while, and you have to decide whether that is worth it.When comparing prices, visit many different sites and stores to see what is being offered. If you only compare prices in two stores, you might be able to do bad service. Collect as much data as possible so that you can make a well -considered decision.3. DIY installationThis option is certainly not for everyone, but if you are handy and willing to enter a little elbow fat, doing your own installation is a great way to stretch your money. If floors are just one of the many home improvements that you have experienced, this should be a breeze for you.Start by setting a timeline that will serve as a route map and keep your project on schedule. Make sure you know exactly which adhesives you should use for the vinyl floors that you choose. It may differ and you must ensure that whatever you apply will not endanger the lifespan of the vinyl over time..u75b209d3c5be4622490dc11382f64d18 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u75b209d3c5be4622490dc11382f64d18:active, .u75b209d3c5be4622490dc11382f64d18:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u75b209d3c5be4622490dc11382f64d18 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u75b209d3c5be4622490dc11382f64d18 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u75b209d3c5be4622490dc11382f64d18 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u75b209d3c5be4622490dc11382f64d18:hover .postTitle { text-decoration: underline!important; } See alsoThis brand is launching a new luxury boho chic beach resort in TulumWhy choose vinyl floorsLuxury vinyl floors have become one of the most popular options for homeowners, and for a good reason. It is affordable without switching on to style and sustainable without seeming to be large. It is the perfect alternative for hardwood, tile or stone.Vinyl floors is designed to imitate the appearance of higher materials such as hardwood or stone after a fraction of the costs. Printing technology has made the same look possible with a drastically different price tag. The variety that you can find makes Vinyl a wonderfully versatile option.In addition to affordable, vinyl floors are extremely sustainable. If you have a high traffic area that needs a makeover with a budget, vinyl floors is definitely the right choice. Whether it is a busy household or a rental home, vinyl floors are much more resistant to other types of materials.Vinyl floors is a good option if you are looking for adding new floors to a kitchen or bathroom. Conventional vinyl is naturally water resistant, making it an excellent choice for these areas. However, you can also install completely waterproof options.Vinyl floors are also easy to maintain. It is scratch -resistant and easy to vacuum, sweep and mop. Unlike other floor solutions, no special treatment is required.Another advantage of vinyl floors is that it is quiet and comfortable. If you live in a small house or want something quiet for your children’s bedroom floors, Vinyl offers a soft and sustainable solution.If environmental friendliness is what you are looking for, many vinyl floors options are made with low-volatile organic compounds (VOC). These usually include recycled materials and ensure better indoor air quality and a lower environmental impact.It is also a great choice if you start installing the floors yourself. Vinyl is a simple medium to work with, and many options offer a click-lock system with which you can install it without gluing.Find the best luxury vinyl floor dealsLuxury vinyl floors is an excellent choice for homeowners who want a stylish, durable and low -maintenance floor solution. Whether you have a budget, looking for an environmentally friendly option, or need something that can handle daily wear, vinyl floors, offers the perfect mix of practical usability and aesthetics.Author bioOscar Collins is the editor -in -chief at Modded, where he writes about health and fitness. Follow him on Twitter @Tmodded For regular updates about his work and subscribe to a modified minute for more!

This CD still yields 4.20%—here are the best CD rates on Nov. 7, 2025
Personal Finance 2025-12-15 22:38:45

This CD still yields 4.20%—here are the best CD rates on Nov. 7, 2025

There’s still time to secure an attractive return on a certificate of deposit, but don’t delay. In the aftermath of the Federal Reserve’s three interest rate reductions in 2024, CD rates fell quickly. They largely leveled off in the first part of 2025 while the Fed temporarily suspended further rate changes—but have begun to dip in light of the central bank’s rate cuts in September and October and the possibility of another in December.The most lucrative CD rates currently available offer up to 4.20% APY. By funding a certificate now, you could potentially lock in these high rates for years to come. With markets anticipating the possibility the Fed further reducing the federal funds rate at the end of the year, any delays may result in missing out.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on November 7, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a six-month CD with a 4.20% APY but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates available:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare rates to top national banksMany of the institutions mentioned may not be familiar because certificates of deposit typically do not generate significant income independently for major financial institutions. Established banks like Chase, PNC, and U.S. Bank prioritize attracting customers through more lucrative products, such as loans and credit cards, rather than CDs. Consequently, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Additionally, securing a competitive rate at these larger banks may necessitate opening additional deposit accounts or meeting higher minimum deposit requirements.CD rates news 2025Investors should understand that CD rates move in lockstep with Federal Reserve monetary policy decisions. When the fed funds rate rises or falls, CD rates follow. It’s crucial for CD investors to stay attuned to shifts in central bank policy in order to effectively plan for potential rate adjustments.The federal funds rate currently stands at 3.75%-4.00% after the Federal Open Market Committee (FOMC) met Oct. 28-29 and decided on a quarter percentage point reduction. This was following on the heels of 2025's first cut to the federal funds rate in September.In 2024, the Fed cut rates three times, leaving the federal funds rate in a range of 4.25%-4.50% as of December. The central bank reduced rates as inflation began receding following a pandemic-related spike. The rate cuts sought to support the U.S. economy with cheaper loans, and that took CD rates down from highs seen the years prior.The very rich CD yields in 2022 and 2023 were driven by a two-year-long series of Fed rate hikes. From March 2022 to July 2023, the FOMC raised the federal funds rate 11 times, taking it from zero all the way up to 5.25%-5.50%. The central bank was acting to control inflation that hit highs not seen since the 1980s, driven by the significant economic disruptions of the COVID-19 pandemic.With the Fed's first rate cut of 2025 occurring at its September meeting, rates began to show signs of dipping. They could drop further if the Fed reduces rates again when it meets in December. The next FOMC meeting is set for Dec. 9-10.While current CD rates are softer now, they’re still not far off their recent highs. Investors still have plenty of opportunities to secure advantageous rates on both short-term and long-term CDs. By investing a larger lump sum into your CD account, you can benefit from substantial interest accumulation.Historical CD ratesIn the early 1980s, CD rates surged into double digits, in sharp contrast with lower rates in 2025. By 2019, however, the APY for a 5-year CD had surpassed 3.00%.In recent years we experienced a period of increasing rates, with the best offerings surpassing 5.00% APY for 1-year CDs in 2024. These APYs are now beginning to stabilize, and we no longer see many rates above this threshold in 2025.How to get a good CD rateDetermining what constitutes a "good" CD rate involves finding a balance between securing the highest available rate and your willingness to keep funds locked away for a specific duration. For instance, choosing a 5.00% APY CD over five years might not be ideal if you expect to need access to your funds sooner or if interest rates increase, potentially lowering your overall returns. Generally, rates that exceed the national average are considered advantageous. It's crucial to compare rates across different banks to find the best option tailored to your specific financial goals. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings objectives and time frame.APY:Higher rates are typically offered for longer terms.Minimum deposit:Verify that you can meet the required initial balance.Penalties:Understand the costs associated with early withdrawal before maturity.Deposit insurance:Confirm that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Additionally, online banks often provide higher interest rates, but be mindful of any minimum balance requirements and associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.Look into offerings from online banksOnline banks and fintech companies often offer more competitive rates compared to national banks. Large financial institutions primarily derive revenue from interest on loans, fees, and investments in securities.Meanwhile, smaller banks and online fintech companies attract customers by providing competitive APYs on deposit accounts. Furthermore, online banks typically operate with lower overhead costs, allowing them to pass on better rates to their clients.Set up a CD ladderCD ladders appeal to savers who prefer flexibility without committing funds for extended periods. By diversifying savings across CDs with different maturity dates, you can balance short-term accessibility with higher long-term interest rates.For instance, begin by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year terms). As each CD matures, reinvest the funds into a new 3-year CD. This approach allows annual access to your funds while benefiting from accrued higher interest from the longer term lengths.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Types of certificates of depositThere are various types of CDs designed to meet different financial needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often offer higher APYs because they are issued by banks and then sold to brokerages.Callable CDsinclude a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.Bump-up CDsallow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD's term.No-penalty CDsdo not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.Jumbo CDsrequire a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Improving your chances of SSDI approval
Health 2025-12-28 12:57:46

Improving your chances of SSDI approval

ContentsUnderstand SSDI -Fitness criteriaWork credits and contributionsWhat counts like a disability for SSDI approval?Consistent medical careHow consistency helps with approvalsWays to strengthen your medical fileRegular agreementsSpecialized care and medical evidenceDetailed insightsOrganize and use medical dataUseful tipsAdhere to prescribed treatment plansShow active managementBe accurate in the applicationAvoid errorsDenials and professional helpHow to respondSeek professional helpWhy a lawyer helpsMake trust forwardHealthy living starts with stability – physical, mentally and financially. When serious health problems that make you disabled, make the work impossible, the Social Security Disability Insurance (SSDI) can offer continuous financial and benefit support. Unfortunately, the application process can be frustrating, especially if you are dealing with a disability. Strict rules and frequent refusal cannot be sure about what you should do.A clear application with relevant and detailed evidence can improve your chances of obtaining SSDI approval. Careful preparation gives you a better chance to get the benefits you need and can reduce stress and enable you to concentrate on your health.Understand SSDI -Fitness criteriaTo be eligible for Social Security Disability Insurance (SSDI), you must meet two main requirements: a strong working history and a handicap that fits in with the definition of the Social Security Administration (SSA).Work credits and contributionsSSDI is for people who have worked and paid tax taxes. The SSA uses work credits to decide. Work credits measures how much you have paid to social security through your income. In 2024 you earn one credit for every $ 1,640 in income, up to a maximum of four credits per year. Most adults need 40 credits, with 20 earned in the last 10 years, to be eligible. However, younger employees may need fewer credits.What counts like a disability for SSDI approval?The SSA defines a handicap as a condition that prevents you from working for at least 12 months or is expected to lead to death. Temporary or partial disabilities are not eligible. General terms and conditions that are eligible include:Severe musculoskeletal disorders, such as advanced arthritis or spinal injuries.Chronic diseases such as cancer, heart conditions or kidney failure.Neurological disorders such as multiple sclerosis, epilepsy or Parkinson’s disease.Mental health disorders, including schizophrenia, bipolar disorder or serious depression..u4f89e0242e7d2b15392cd02da00dd4a0 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4f89e0242e7d2b15392cd02da00dd4a0:active, .u4f89e0242e7d2b15392cd02da00dd4a0:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4f89e0242e7d2b15392cd02da00dd4a0 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4f89e0242e7d2b15392cd02da00dd4a0 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4f89e0242e7d2b15392cd02da00dd4a0 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u4f89e0242e7d2b15392cd02da00dd4a0:hover .postTitle { text-decoration: underline!important; } See also9 sustainable artists and their contributions to mindful livingThe SSA also evaluates the conditions that are not mentioned, but they must meet the same serious standards. Strong medical evidence, such as test results or statements from the doctor, is needed to be eligible.Consistent medical careThe SSA assesses medical files to decide whether your condition is eligible for SSDI. Regular visits with your doctor create a clear timeline of symptoms, treatments and general progress and shows that your condition is not in the short term.How consistency helps with approvalsDemonstrates treatment efforts:The SSA wants to see that you follow the recommended steps, such as taking prescribed medicines or attending therapy sessions. If you cannot follow a treatment, explain why.Reveals constant limitations:Consistent documentation indicates changes or deteriorating symptoms and shows that your disability influences the work on a permanent basis.Adds specialized insight:Reports from specialists give detailed comments on how a specific health problem strengthens your activities. For example, a psychiatrist can outline how severe depression influences concentration.Ways to strengthen your medical fileStay organized:Save copies of laboratory results, imaging scans and doctor’s notes. Many clinics now offer online portals that make it easier to access these documents.Follow appointments:Keep a list of all care providers you visit, including contact details and service data. These easily accessible ELPs have when the SSA has to verify details.Document changes:Take notes on new symptoms or shifts in your condition. Share these details with your doctor so that they appear in medical reports.A consistent care routine supports your overall well -being and gives the SSA a detailed picture of how your handicap forms daily life. Good registration and regular medical agreements lay a foundation for a stronger SSDI claim.Regular agreementsFrequent checks with your primary doctor make a clear record of how your condition develops over time. Stable documentation helps to confirm that your handicap is persistent and not just a short setback.Continuity of care:Missed visits or long holes can raise questions about the severity or stability of your condition.Improved accuracy:Doctors can detect changes and adjust treatments if necessary, so that your data offers an accurate and extensive picture of your health status.Strengthen evidence:The SSA values ​​consistent records when evaluating an SSDI application and regards regular agreements as a sign of a strong claim..u02821d5996deb0a99019b1f10f2a95b2 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u02821d5996deb0a99019b1f10f2a95b2:active, .u02821d5996deb0a99019b1f10f2a95b2:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u02821d5996deb0a99019b1f10f2a95b2 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u02821d5996deb0a99019b1f10f2a95b2 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u02821d5996deb0a99019b1f10f2a95b2 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u02821d5996deb0a99019b1f10f2a95b2:hover .postTitle { text-decoration: underline!important; } See alsoTap into the superpower of empathySpecialized care and medical evidenceCombining reports from specialists and extensive medical evidence to build a compelling matter for your claim. Specialists focus on specific disorders and explain how your symptoms limit your work capacity. Extensive medical evidence, such as tests and official explanations, helps to illustrate the full impact of your condition on daily life.Detailed insightsCondition -specific Documentation:A neurologist can describe how multiple sclerosis influences your motor skills, while a psychiatrist can clarify how severe depression influences your concentration capacity.Examples of medical evidence:Things such as laboratory work, imaging scans, evaluations of physiotherapy sessions and remaining functional capacity (RFC) reviews in which specific tasks are explained that you cannot perform. Details like this can give the SSA a better understanding of your limitations.Organize and use medical dataAccurate and well-organized medical files are needed for building a strong SSDI claim. A clear system for managing these records helps you to remain prepared to respond to SSA requests and to retain a complete picture of your condition.Useful tipsRequest copies:Ask your providers for all notes of the doctor, test results, imaging scans and treatment plans. Record laboratory work or evaluations of physiotherapy sessions as part of your data.Review regularly:Check whether details such as diagnoses, medicines, follow -up instructions and test results match your current health status. Confirm that any updates are accurately reflected.Follow daily details:In addition to official data, a personal health diary can record small but important details about your condition. Document the frequency and severity of symptoms, any difficulties with daily tasks and noticeable patterns such as stress triggers or flare-ups.Marking patterns:Use your health journal to identify recurring issues or trends insights from a well-maintained magazine, can offer a more complete context to supplement medical documents, so that the SSA can see the wider impact of your condition.Chronological organization:Arrange your documents, including laboratory results, imaging reports and specialist evaluations, in chronological order because it will help illustrate the progress of your condition and support a detailed timeline for the SSA..u5a4d0a3b0566f839a796d4231240d493 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u5a4d0a3b0566f839a796d4231240d493:active, .u5a4d0a3b0566f839a796d4231240d493:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u5a4d0a3b0566f839a796d4231240d493 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u5a4d0a3b0566f839a796d4231240d493 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u5a4d0a3b0566f839a796d4231240d493 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u5a4d0a3b0566f839a796d4231240d493:hover .postTitle { text-decoration: underline!important; } See alsoCan I make a claim?Adhere to prescribed treatment plansThe SSA shows your dedication to your doctor’s treatment plan that you actively manage your health problems. Consistency in treatments – from medication to therapy – you seriously demonstrate your condition.Show active managementAll document:Keep notes about each treatment, including side effects or improvements.Explain barriers:If a treatment is too expensive or causes serious side effects, your doctor will let you know. The SSA wants to see valid reasons for any changes or refusal.Be accurate in the applicationThorough and consistent information in your forms helps to prevent delays or refusers. Complete each part carefully and check details to confirm that they match your data.Avoid errorsCheck dates and names:Inconsistent or incorrect information can delay the process.Submit all supporting documents:Missing forms or incomplete records can undermine your case.Denials and professional helpEven with strong evidence, SSDI applications can be refused in the beginning. Many successful claims start with a first denial, so perseverance is the key. A disabled lawyer offers valuable support during this process and leads you through both initial applications and calls.How to respondView the letter:Understand exactly why the claim was refused.Collect new proof:Missing details or reinforce areas without evidence.Serve on time:Every refusal has a deadline for appeal. A lawyer can help identify weaknesses and present a stronger appeal.Seek professional helpA disabled lawyer Offers valuable support during the SSDI process, from preparing paperwork to representing you on appeal.Why a lawyer helpsAvoid common errors:Lawyers understand SSA requirements and can identify areas in your application that require further development.Peace of mind:When a lawyer manages the details, you can concentrate on your health while building a stronger business for your claim.Make trust forwardThe SSDI approval process requires persistence and careful preparation, but every step takes you closer to achieve the support you need. Submitting thorough medical evidence, maintaining consistent care and remain proactive with your documentation, you create a stronger thing for approval. With reliable support and well-organized preparation you can build the basic that is needed to concentrate on your welfare and long-term plans.

The best high-yield savings accounts offer up to 5.00% APY on Oct. 31, 2025
Personal Finance 2026-01-08 03:28:14

The best high-yield savings accounts offer up to 5.00% APY on Oct. 31, 2025

High-yield savings accounts continue to offer strong rates of return for those seeking to maximize their savings potential. With many accounts currently featuring annual percentage yields (APYs) surpassing 4.00%, and a select few still hovering near the 5.00% mark, it’s a great time to make sure you have the best account for your financial needs.The current economic environment is characterized by rising inflation rates and an ambiguous U.S. economic outlook. For those reasons, the Federal Reserve halted its rate-cutting measures in the first part of 2025. But the central bank finally delivered a much anticipated rate cut at its September meeting.Savings account APYs remained relatively stable during the first part of the year—but, after the September rate cut and the potential for further cuts when the Federal Open Market Committee (FOMC) meets in October and December, financial institutions might decrease the APYs they offer accordingly.Recognizing the importance of informed financial decision-making,Fortunehas partnered with Curinos, a team of esteemed financial industry consultants. This collaboration aims to provide readers with a precise and up-to-date snapshot of the most competitive savings account rates available in the market, catering to those looking to enhance their savings strategy or embark on new financial endeavors.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare /* Loader */ #mJvFoQMDtzcUfDQx .spinner { display: none; } #mJvFoQMDtzcUfDQx.listingsLoading .spinner { display: block; } #mJvFoQMDtzcUfDQx.listingsLoading .widget-render-result { display: none; } #mJvFoQMDtzcUfDQx.listingsLoaded .widget-render-result { display: block; } #mJvFoQMDtzcUfDQx.listingsLoaded .spinner { display: none; } #mJvFoQMDtzcUfDQx.listingsLoading .search-result-container .spinner { display: block; } #mJvFoQMDtzcUfDQx.listingsLoaded.listingsLoading .spinner { display: block; } #mJvFoQMDtzcUfDQx .spinner { display: block; margin: 30px auto; width: 48px; height: 48px; } #mJvFoQMDtzcUfDQx .spinner:after { content: " "; display: block; width: 32px; height: 32px; margin: 1px; border-radius: 50%; border: 10px solid #105485; border-color: transparent #105485 transparent #105485; 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} #mJvFoQMDtzcUfDQx.minFilter .check-elem.view-btn { display: none; } #mJvFoQMDtzcUfDQx.minFilter input.chk-btn + label { padding: 10px 11px; } #mJvFoQMDtzcUfDQx .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #mJvFoQMDtzcUfDQx input.chk-btn + label { padding: 10px 8px; } #mJvFoQMDtzcUfDQx.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #mJvFoQMDtzcUfDQx input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #mJvFoQMDtzcUfDQx.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #mJvFoQMDtzcUfDQx .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #mJvFoQMDtzcUfDQx.loadingMessage .sh-loading-msg { display: block; } #mJvFoQMDtzcUfDQx.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #mJvFoQMDtzcUfDQx .sh-loading-msg { font-size: 18px; } } #mJvFoQMDtzcUfDQx .mobile { display: none; 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} #mJvFoQMDtzcUfDQx .top-section-right { margin-left: 5px; } #mJvFoQMDtzcUfDQx .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #mJvFoQMDtzcUfDQx .ad-copy { margin-left: 24px; } #mJvFoQMDtzcUfDQx .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #mJvFoQMDtzcUfDQx .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #mJvFoQMDtzcUfDQx .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #mJvFoQMDtzcUfDQx .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #mJvFoQMDtzcUfDQx .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #mJvFoQMDtzcUfDQx .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #mJvFoQMDtzcUfDQx .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #mJvFoQMDtzcUfDQx .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #mJvFoQMDtzcUfDQx .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #mJvFoQMDtzcUfDQx .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #mJvFoQMDtzcUfDQx .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #mJvFoQMDtzcUfDQx .disclosure-contnr { text-align: center; } #mJvFoQMDtzcUfDQx .listing-header-cntnr { margin-top: 34px; } #mJvFoQMDtzcUfDQx .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #mJvFoQMDtzcUfDQx .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #mJvFoQMDtzcUfDQx .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #mJvFoQMDtzcUfDQx .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #mJvFoQMDtzcUfDQx .apy-label { font: normal normal 900 24px / 28px Roboto; } #mJvFoQMDtzcUfDQx .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #mJvFoQMDtzcUfDQx .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #mJvFoQMDtzcUfDQx .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #mJvFoQMDtzcUfDQx .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #mJvFoQMDtzcUfDQx .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #mJvFoQMDtzcUfDQx .additional-content { margin-top: 0px !important; } #mJvFoQMDtzcUfDQx .additional-content ul li { margin-bottom: 0; } #mJvFoQMDtzcUfDQx .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #mJvFoQMDtzcUfDQx .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #mJvFoQMDtzcUfDQx .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #mJvFoQMDtzcUfDQx .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #mJvFoQMDtzcUfDQx .shArrow { width: 12px; height: 7px; } #mJvFoQMDtzcUfDQx span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #mJvFoQMDtzcUfDQx .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #mJvFoQMDtzcUfDQx .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #mJvFoQMDtzcUfDQx #see_more_carrier, #mJvFoQMDtzcUfDQx .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #mJvFoQMDtzcUfDQx .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #mJvFoQMDtzcUfDQx .apy-label p { margin-top: 0px; margin-bottom: 0px; } #mJvFoQMDtzcUfDQx .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #mJvFoQMDtzcUfDQx { padding: 0 26px; } #mJvFoQMDtzcUfDQx .logo-image-wrapper { width: 136px; } #mJvFoQMDtzcUfDQx .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #mJvFoQMDtzcUfDQx .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #mJvFoQMDtzcUfDQx .prop-value-container .apy-container { flex: 0 0 44%; } #mJvFoQMDtzcUfDQx .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx .prop-value-container .minvalue-container { flex: 0 0 28%; } #mJvFoQMDtzcUfDQx .ad-copy-top-section { margin-bottom: 15px; } #mJvFoQMDtzcUfDQx .sh-row-product-title { max-width: 136px; } #mJvFoQMDtzcUfDQx .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #mJvFoQMDtzcUfDQx .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #mJvFoQMDtzcUfDQx .logo-image-wrapper { width: 100%; max-width: 292px; } #mJvFoQMDtzcUfDQx .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #mJvFoQMDtzcUfDQx .ad-copy { margin-left: 0; } #mJvFoQMDtzcUfDQx .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #mJvFoQMDtzcUfDQx .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #mJvFoQMDtzcUfDQx .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #mJvFoQMDtzcUfDQx .see-more-text { padding: 16px 15px; } #mJvFoQMDtzcUfDQx .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #mJvFoQMDtzcUfDQx .top-section-right { margin-left: 0px; } #mJvFoQMDtzcUfDQx .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #mJvFoQMDtzcUfDQx.sizeone .header-section { padding: 6px 10px; } } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .row-1 { padding-left: 14px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .listing-title, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .shmktpl-button, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .prop-value-container .apy-container, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .prop-value-container .mfee-container, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .prop-value-container .mfee-container #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .prop-value-container .minvalue-container, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .sh-row-product-title, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .disclosure-content ul li, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box750.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box800.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box850.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box900.device-desktop .ad-copy-top-section, #mJvFoQMDtzcUfDQx.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .row-1, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .row-1 , #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .row-2, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .row-2 , #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .row-1, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .row-1 , #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .row-2, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .row-2{ display: unset; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .ad-copy, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .apy-label, #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .prop-value, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .prop-value, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .prop-value, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box700.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box550.device-desktop .logo-image-wrapper, #mJvFoQMDtzcUfDQx.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #mJvFoQMDtzcUfDQx.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#mJvFoQMDtzcUfDQx.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#mJvFoQMDtzcUfDQx.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#mJvFoQMDtzcUfDQx.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #mJvFoQMDtzcUfDQx .shmktpl-title, #mJvFoQMDtzcUfDQx .sub-heading-container, #mJvFoQMDtzcUfDQx .filter-check-options-cntnr, #mJvFoQMDtzcUfDQx .listing-header-cntnr { display: none; } #mJvFoQMDtzcUfDQx.title .shmktpl-title, #mJvFoQMDtzcUfDQx.subHeading .sub-heading-container, #mJvFoQMDtzcUfDQx.multiSelectFilter .filter-check-options-cntnr, #mJvFoQMDtzcUfDQx.resultsText .listing-header-cntnr { display: flex; } #mJvFoQMDtzcUfDQx.sizeone .add-overlay-content { width: 62%; height: auto; } #mJvFoQMDtzcUfDQx.sizeone .disclosure-title { padding: 6px 0px; } #mJvFoQMDtzcUfDQx.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #mJvFoQMDtzcUfDQx .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #mJvFoQMDtzcUfDQx.sizeone .title-container { margin-top: 0; } #mJvFoQMDtzcUfDQx.sizeone .non_featured_list { margin-top: 0; } #mJvFoQMDtzcUfDQx.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #mJvFoQMDtzcUfDQx.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #mJvFoQMDtzcUfDQx .item { flex: 1 1 calc(50% - 48px); } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+3), #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+1), #mJvFoQMDtzcUfDQx .item:nth-of-type(4n+1) + * { background-color: #fff; } #mJvFoQMDtzcUfDQx .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #mJvFoQMDtzcUfDQx .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #mJvFoQMDtzcUfDQx .desktop, #mJvFoQMDtzcUfDQx .desktop-inline { display: none; } #mJvFoQMDtzcUfDQx .mobile { display: block !important; } #mJvFoQMDtzcUfDQx { padding: 0 18px; } #mJvFoQMDtzcUfDQx .shmktpl-title { font-size: 24px; line-height: 29px; } #mJvFoQMDtzcUfDQx .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #mJvFoQMDtzcUfDQx .add-overlay-content { width: 80%; height: auto; } #mJvFoQMDtzcUfDQx .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #mJvFoQMDtzcUfDQx .row-1 { flex-flow: column; padding: 16px; } #mJvFoQMDtzcUfDQx .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #mJvFoQMDtzcUfDQx .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #mJvFoQMDtzcUfDQx .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #mJvFoQMDtzcUfDQx .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #mJvFoQMDtzcUfDQx .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #mJvFoQMDtzcUfDQx .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #mJvFoQMDtzcUfDQx .prop-value { margin-top: 0; } #mJvFoQMDtzcUfDQx .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #mJvFoQMDtzcUfDQx .non_featured_list { margin-top: 18px; } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #mJvFoQMDtzcUfDQx .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #mJvFoQMDtzcUfDQx .item:nth-child(3n), #mJvFoQMDtzcUfDQx .desktop-bg { background: none; } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { padding: 0; } #mJvFoQMDtzcUfDQx .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #mJvFoQMDtzcUfDQx .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #mJvFoQMDtzcUfDQx .disclosure-content ul { padding-left: 14px; line-height: 28px; } #mJvFoQMDtzcUfDQx .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #mJvFoQMDtzcUfDQx .additional-features { flex: 0 0 100%; } #mJvFoQMDtzcUfDQx .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #mJvFoQMDtzcUfDQx.sizeone .listing-header-cntnr { display: none; } #mJvFoQMDtzcUfDQx.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #mJvFoQMDtzcUfDQx .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #mJvFoQMDtzcUfDQx .prod-desc-popup-content { position: fixed; } } #mJvFoQMDtzcUfDQx.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #mJvFoQMDtzcUfDQx.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #mJvFoQMDtzcUfDQx.listingAlignment .logo-image-wrapper img { width: 100%; } #mJvFoQMDtzcUfDQx.listingAlignment { padding: 0px; } #mJvFoQMDtzcUfDQx.listingAlignment .listing-title { font-size: 14px; } #mJvFoQMDtzcUfDQx.listingAlignment .listing-title span { font-size: 14px; } #mJvFoQMDtzcUfDQx.listingAlignment .row-1 { padding: 26px 10px; } #mJvFoQMDtzcUfDQx.listingAlignment .prop-name { font-size: 10px; } #mJvFoQMDtzcUfDQx.listingAlignment .prop-value { font-size: 14px } #mJvFoQMDtzcUfDQx.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #mJvFoQMDtzcUfDQx.listingAlignment .logo-column.flex-container { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .prop-conatiner { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .ad-copy-column.flex-container { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .cta-column.flex-container { flex: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .disclosure-content ul li::before { content: unset; } #mJvFoQMDtzcUfDQx.listingAlignment .disclosure-content ul li { list-style: disc; } } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #mJvFoQMDtzcUfDQx.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #mJvFoQMDtzcUfDQx.ctaAlignment .cta-column.flex-container { display: block !important; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button { font-size: 16px; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #mJvFoQMDtzcUfDQx.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #mJvFoQMDtzcUfDQx .sh-no-listing-msg { padding: 20px 0px; } #mJvFoQMDtzcUfDQx .sh-widget-footer-MBT { display: none; } #mJvFoQMDtzcUfDQx.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #mJvFoQMDtzcUfDQx.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #mJvFoQMDtzcUfDQx.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #mJvFoQMDtzcUfDQx .sh-widget-footer-QS { display: none; } #mJvFoQMDtzcUfDQx.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #mJvFoQMDtzcUfDQx.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #mJvFoQMDtzcUfDQx.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title, #mJvFoQMDtzcUfDQx.customizeColorEffect .prop-name, #mJvFoQMDtzcUfDQx.customizeColorEffect .prop-value, #mJvFoQMDtzcUfDQx.customizeColorEffect .curDate, #mJvFoQMDtzcUfDQx.customizeColorEffect span.current-date, #mJvFoQMDtzcUfDQx.customizeColorEffect .disclosure-content ul li, #mJvFoQMDtzcUfDQx.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #mJvFoQMDtzcUfDQx.customizeColorEffect .add-text, #mJvFoQMDtzcUfDQx.customizeColorEffect .see-more-text, #mJvFoQMDtzcUfDQx.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #mJvFoQMDtzcUfDQx.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #mJvFoQMDtzcUfDQx.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #mJvFoQMDtzcUfDQx.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #mJvFoQMDtzcUfDQx.sizeone.customizeColorEffect .header-section, #mJvFoQMDtzcUfDQx.customizeColorEffect .row-2 { background: #E9F0EC; } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title { display: unset; } #mJvFoQMDtzcUfDQx.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title .prod-name:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .add-text:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .disclosure-contnr .text:hover, #mJvFoQMDtzcUfDQx.customizeColorEffect .see-more-text:hover { color: #EB0017; } #mJvFoQMDtzcUfDQx.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #mJvFoQMDtzcUfDQx.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #mJvFoQMDtzcUfDQx.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #mJvFoQMDtzcUfDQx.customizeColorEffect .listing-title { display: block; } #mJvFoQMDtzcUfDQx.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #mJvFoQMDtzcUfDQx.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #mJvFoQMDtzcUfDQx .sh-right-arrow { display: none; } #mJvFoQMDtzcUfDQx.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #mJvFoQMDtzcUfDQx .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #mJvFoQMDtzcUfDQx.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #mJvFoQMDtzcUfDQx.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #mJvFoQMDtzcUfDQx{position:relative;}.add-overlay-content{right: 4%;}#mJvFoQMDtzcUfDQx .shmktpl-button span.btn__text::after{display:none;} #mJvFoQMDtzcUfDQx .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #mJvFoQMDtzcUfDQx .shmktpl-button:hover{background:#0E86DE;} #mJvFoQMDtzcUfDQx .add-text:hover {color:#0E86DE;} #mJvFoQMDtzcUfDQx .listing-title .prod-name:hover{color:#0E86DE;} #mJvFoQMDtzcUfDQx .disclosure-contnr .text:hover{color:#0E86DE;} #mJvFoQMDtzcUfDQx .see-more-text{width:68px} #mJvFoQMDtzcUfDQx .see-more-text:hover{color:#0E86DE;} #mJvFoQMDtzcUfDQx .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; 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font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings accounts on October 31, 2025: Earn up to 5.00% APYFortunereviews the top rates offered by leading U.S. financial institutions each day to help readers obtain the best possible return on their savings. The best high-yield savings account rate of 5.00% can be found at Varo Bank. Here are the best savings account rates available nationwide:FDIC average national deposit rates: January 2020 to presentIn March 2024, the national average savings rate was 0.47%. This rate quickly began to fall as the Federal Reserve started making cuts to the federal funds rate later in the year. Now, the national average savings rate sits at0.41%.Savings account news in 2025Federal Reserve interest rate decisions are crucial in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the interest they offer on savings accounts to remain competitive. Conversely, when the Fed lowers rates, savings account yields generally decrease.However, this relationship isn’t always direct. Banks may adjust their rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Fed meetings take place roughly eight times annually. The central bank adjusted the federal funds rate to 4.25%-4.50% at its December 2024 meeting, then cut its benchmark rate again in September 2025 to 4.00%-4.25%, where it currently stands. The next FOMC meeting is set for Oct. 28-29.High-yield savings accounts might be easier to find than you expectYou may have already taken a look at the accounts available from local banks and been unimpressed with the rates offered, or wondered why there are no specific products labeled “high-yield savings accounts.” That’s largely because the primary difference between high-yield and traditional savings accounts is simply the interest rate offered. Traditional accounts often feature physical branch access but with lower rates, while high-yield accounts are typically offered by online banks and boast higher rates but limited in-person services.High-yield accounts typically provide rates that are 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is0.41%, many high-yield accounts offer rates above 4.00%.In addition to substantially higher interest rates than traditional savings accounts, consider opening a high-yield savings account if you want to avoid minimum balance requirements or monthly fees. Oftentimes, the two go hand in hand. These accounts are ideal for emergency funds or short-term savings goals and are FDIC-insured, providing the same protection as traditional banks. Just remember that you’ll have to pay taxes on any interest you earn from the account.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?Banks and credit unions can adjust high-yield savings account rates whenever they see fit, so there’s no regular schedule. But in practice, these changes often occur in response to the Federal Reserve raising or lowering the federal funds rate.Should I switch banks if I find a savings account with a higher rate?It could be worth switching, but it depends on your situation. You can have multiple savings accounts—but consider any minimum deposit requirements and whether the higher rate will actually make a significant difference in your earnings before making a move.For example, putting $1,000 in an account where the APY is 4% and leaving it for a year without further deposits might net approximately $39.98 in interest. While if the same account had an APY of 4.5%, you might earn $44.98 in interest over that year.How easy is it to withdraw money from a HYSA?Assuming your bank or credit union has a decent online banking setup, it should be fairly easy to initiate a withdrawal from your computer or mobile device. Just remember that many institutions still maintain the rule of no more than six withdrawals per month even though that’s not a federal rule any longer.Should I choose an online-only bank for my HYSA?Since online banks save on costs like branch maintenance, they can typically pass those savings on to customers through higher rates, making them a strong option for your HYSA.Can I lose money in a high-yield savings account?Assuming your account is at an institution with FDIC or NCUA insurance, your savings are protected up to the insurance max. That said, if your account’s APY doesn’t match or beat inflation, your spending power could still take a hit.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Sporting fan bursts into tears live on TV after question about Amorim leaving
Sports 2025-12-13 10:09:11

Sporting fan bursts into tears live on TV after question about Amorim leaving

A SPORTING fan burst into tears when asked about Ruben Amorim's potential switch to Manchester United.The Portuguese has emerged as the favourite to take over at Old Trafford following Erik ten Hag's sacking. A SPORTING fan burst into tears when asked about Ruben Amorim's potential switch to Manchester United. The Portuguese has emerged as the favourite to take over at Old Trafford following Erik ten Hag's sacking. United are reportedly looking at several candidates including Thomas Frank and Gareth Southgate. But Amorim is their No1 choice and United are willing to trigger his £8.3million release clause. Amorim is said to be open to the switch too, which is not good news for Sporting fans. Supporters flocked to the Jose Alvalade Stadium ahead of their game against Nacional and some were asked about Amorim's future. One elderly fan burst into tears when asked about the prospect of the 39-year-old leaving the club. He was only able to muster a few words before clasping his hand his hand over his mouth, before wiping away tears from his eyes. Amorim is a popular figure amongst fans after leading Sporting to their first league title for 19 years. He followed up that success by winning the Primeira Liga again last season, and this term he has a 100 per cent record from nine games. Amorim has built a reputation for improving players while handing opportunities to young players - which bodes well for United's young talent. While he is described as a “master trash-talker” in press conferences – a genius in getting his message across, creating a narrative while deflecting pressure away from his players. As one source told SunSport: “There is no one like him.”

How artificial flowers can transform your mental well -being and living space
Health 2025-12-13 08:44:27

How artificial flowers can transform your mental well -being and living space

ContentsCreating a calming atmosphere with faux flowersThe practical benefits of artificial regulationsDesigning spaces that promote mental well -beingImproving the therapeutic value of your artificial flowersInvesting in long -term serenityTransform your living space into a sanctuary of serenity with the power of artificial flowers. Whether you are a busy professional looking for stress lighting or a designer enthusiast who wants to create sustainable beauty, discover how Premium Faux flowers can improve your mental well -being without the requirements of plant maintenance. Learn practical tips to include these timeless pieces in your home and understand the science behind why you surround yourself with botanical beauty – even artificial – can significantly influence your daily mood and overall psychological health.The relationship between our environment and mental health is well documented by researchers. Studies show that absorbing natural elements in our living spaces can significantly influence our mood, productivity and stress levels. Although live plants offer countless benefits, artificial flowers offer a practical alternative that yields similar psychological benefits without the care requirements.Creating a calming atmosphere with faux flowersThe visual impact of flowers, even artificial, can cause positive emotional reactions in our brains. Premium silk flowers strategically placed in your house create focal points that attract the eye and promote relaxation. The key lies in selecting pieces that capture the complicated details of nature – from delicate petals structures to subtle color variations that mimic real flowering. When these elements come together in high quality artificial flowers, they create an authentic calming presence that continues throughout the year..u73e1c95ff733fb58c143cd4f5e24007e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u73e1c95ff733fb58c143cd4f5e24007e:active, .u73e1c95ff733fb58c143cd4f5e24007e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u73e1c95ff733fb58c143cd4f5e24007e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u73e1c95ff733fb58c143cd4f5e24007e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u73e1c95ff733fb58c143cd4f5e24007e .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u73e1c95ff733fb58c143cd4f5e24007e:hover .postTitle { text-decoration: underline!important; } See alsoHow are you supposed to stay focused when working long hours?When controlling faux flowers, consider different heights, textures and seasonal varieties to make dynamic displays. Mix larger statement pieces with smaller accent schemes to determine visual harmony. The best faux flowers can convert everyday spaces into quiet retreats, offering a constant source of beauty that feeds mental well -being.The practical benefits of artificial regulationsIn addition to their aesthetic attraction, fake flowers that really look like offer practical benefits that contribute to reduced stress levels. In contrast to living plants, these maintenance -free options eliminate over water schedules, wilted flowers or seasonal replacements. This peace of mind allows you to fully enjoy their beauty without extra responsibilities.High -quality sides flowers retain their unspoilt appearance, regardless of light conditions or temperature fluctuations. They are ideal for spaces where living plants may struggle, such as offices without natural light or rooms with dramatic temperature changes. This versatility ensures that you can make uplifting displays in every environment.Designing spaces that promote mental well -beingThe thoughtful absorption of faux flowers in your interior can significantly influence your daily mental state. Aldik Home’s extensive collection of artificial flowers Offers unparalleled quality and realism, making it easy to create stunning displays that improve psychological well -being. Their carefully manufactured flowers have natural colorings, authentic textures and botanically accurate details that capture the essence of fresh flowers and at the same time offer permanent beauty.Position schemes where you see them regularly – perhaps on your desk while working, in your bedroom while you start every day or in common areas where family gather. These visual anchors serve as soft memories to pause and appreciate beauty in the midst of busy schedules. Consider rotating your artificial arrangements seasonal to maintain visual interest and to mark the expiry of time. The sustainability of high -quality faux flowers ensures years of creative rescheduling, so that your space remains fresh and emotional..ue255a8c698465bb04bcccda7ad937abc { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ue255a8c698465bb04bcccda7ad937abc:active, .ue255a8c698465bb04bcccda7ad937abc:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ue255a8c698465bb04bcccda7ad937abc { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ue255a8c698465bb04bcccda7ad937abc .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ue255a8c698465bb04bcccda7ad937abc .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ue255a8c698465bb04bcccda7ad937abc:hover .postTitle { text-decoration: underline!important; } See alsoStimulating recovery for lasting changeImproving the therapeutic value of your artificial flowersThe psychological benefits of your faux botanical displays can be enhanced by thoughtful presentation and care. Although artificial flowers require minimal maintenance, periodic soft cleansing with a soft brush or aircraft ensures that they retain their uplifting presence. Strategic placement is crucial position schemes where natural light improves their characteristics without causing deterioration and taking into account emphasis to extend their mood reinforcement effects to evening hours.Breath new life in existing arrangements by experimenting with seasonal combinations and unique containers. Low different textures and heights to create visually fascinating displays that attract attention and promote mindfulness. Complete your silk flowers with natural elements such as driftwood or preserved foliage to make multi-sensorian arrangements that transform ordinary spaces into extraordinary ports of tranquility.Investing in long -term serenityAlthough premium artificial flowers may require a larger initial investment than fresh flowers, their lifespan makes them cost effective over time. Select pieces that resonate with your personal style and supplement your existing design. Focus on versatile regulations that can be adapted to different spaces and seasons.Remember that the goal is to create an environment that supports your journey in mental health care. Whether you choose subtle accents or daring statement documents, make sure your selections contribute to the peaceful atmosphere that you want to cultivate in your home.

Europe is the main aim for Napoli, but Scudetto is realistic according to Conte
Sports 2026-01-10 16:40:49

Europe is the main aim for Napoli, but Scudetto is realistic according to Conte

Napoli manager Antonio Conte insisted that getting into Europe is the main aim with Napoli, although is finding it harder to ignore talk of the Scudetto after they extended their lead at the top of the league to seven points on Tuesday. Napoli manager Antonio Conte insisted that getting into Europe is the main aim with Napoli, although is finding it harder to ignore talk of the Scudetto after they extended their lead at the top of the league to seven points on Tuesday. Conte's side won 2-0 away to Milan to earn their eighth victory in a nine-match unbeaten run in the league, with a considerable gap having opened ahead of second-placed Inter's trip to Empoli on Wednesday. The 25 points they have already accrued, meanwhile, constitute almost half of what they did last season (53) during a terrible title defence that saw Napoli finish 10th. But after such a dismal season compared to how they have started this one, Conte needs to balance expectations within the club. "Scudetto? No one is hiding. We see realistically what we are doing this year," he told DAZN. "After 10 games, it has something of the incredible and unexpected. "Not even the craziest would have predicted it. But we remain with our feet on the ground. "We know what our goal is, which is to return to Europe. But there are five or six teams that have the same idea. "Winning in Naples would be something incredible. We have given ourselves three years. We are rebuilding something and it takes time." Having performed so well at the start of this season, Conte is aware that it will be hard to stop the fans getting carried away. "We try to feed the dreams of the fans, but we need to have balance," he said. "Our fans followed us with passion even today, it is right that they dream. We have to be prepared when there is some setback. "We want to make the Neapolitan fans proud of this team."

What should be on your home safety checklist?
Health 2025-12-22 21:30:37

What should be on your home safety checklist?

Contents1. The fire safety of your homeSmoke detectors and carbon monoxide detectorsFire extinguishersEscape plan2. Preventing falls and possible hazardsStair lifts and balustradesNon-slip mats and rugsGood lighting3. Child-proof your homeCabinet locks and outlet coversCorner protectorsWhat about window safety?4. Make your house ‘burglary-proof’Secure your doors and windowsPotential outdoor lightingAlarm systems5. Keeping the outdoors safePrune all the trees and shrubs you haveCheck your paths and stepsKeeping your home safe is so important for the wellbeing of everyone in your household and with a few simple checks and changes you can protect yourself from common accidents, burglaries and even fire hazards.Here is a clear, concise and practical home safety checklist to keep your home safe and comfortable for your loved ones.1. The fire safety of your homeOne of the most dangerous threats to any home is fire. It is critical to take steps to reduce the risk and act quickly if an outbreak occurs.Smoke detectors and carbon monoxide detectorsTest your smoke detectors monthly. They should be installed on every floor, especially near bedrooms. Replace the batteries once a year and consider purchasing models with a long battery life. Carbon monoxide detectors are just as essential, especially if you use gas appliances or have a fireplace. These detectors can be life-saving and should also be checked regularly.Fire extinguishersFire extinguishers should be placed in easily accessible places, such as the kitchen or garage. Make sure you know how to use them properly. A fire blanket in the kitchen is also a good idea to quickly extinguish small cooking fires..u32700cb3097a4deabd57661d20e7c6e6 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u32700cb3097a4deabd57661d20e7c6e6:active, .u32700cb3097a4deabd57661d20e7c6e6:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u32700cb3097a4deabd57661d20e7c6e6 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u32700cb3097a4deabd57661d20e7c6e6 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u32700cb3097a4deabd57661d20e7c6e6 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u32700cb3097a4deabd57661d20e7c6e6:hover .postTitle { text-decoration: underline!important; } See alsoPreventing falls and accidents at homeEscape planHave an emergency escape plan and practice it with your family. Make sure everyone knows at least two ways to leave each room and that there is a meeting place outside the house. A fire escape may be required for upstairs rooms.2. Preventing falls and possible hazardsFalls are one of the most common causes of injuries at home, especially in older adults and young children. There are simple adjustments to make your home safer.Stair lifts and balustradesIf you have a multi-storey house and someone has difficulty with stairs, a stair lift can make a big difference. They significantly reduce the risk of falls and give people with limited mobility greater independence. Always keep stairs free of clutter and check that handrails are strong and secure.Non-slip mats and rugsBathrooms, kitchens and entryways are places where floors can become slippery. Non-slip mats help reduce the chance of slipping. Handles or underlays keep rugs from moving, which can also help prevent tripping.Good lightingAdequate lighting is essential to prevent falls, so make sure hallways, stairwells and outdoor paths are well lit. Any motion sensor lights are useful for outdoor areas or for people who get up during the night.3. Child-proof your homeYoung children love to explore, which can sometimes get them into trouble. Childproofing your home will keep your little ones safe as they grow.Cabinet locks and outlet coversUse safety locks on cabinets containing cleaning products, sharp objects or medications. All unused electrical outlets should have plug covers to keep little fingers safe..uff1cd480de229f7945280314f383431c { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uff1cd480de229f7945280314f383431c:active, .uff1cd480de229f7945280314f383431c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uff1cd480de229f7945280314f383431c { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uff1cd480de229f7945280314f383431c .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uff1cd480de229f7945280314f383431c .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uff1cd480de229f7945280314f383431c:hover .postTitle { text-decoration: underline!important; } See alsoA guide to dealing effectively with manic episodesCorner protectorsTables, shelves and other furniture with sharp corners can be dangerous and corner protectors can help reduce the risk of injury if a child falls. Secure heavy furniture, such as bookshelves, to the wall to prevent tipping.What about window safety?Always keep windows closed and locked when small children are around. Window protectors or stoppers can prevent them from opening too far, reducing the risk of falls.4. Make your house ‘burglary-proof’Home security doesn’t have to be complicated or expensive, but it can make a big difference.Secure your doors and windowsDoors must have a sturdy frame and be equipped with good quality locks. With a peephole or doorbell camera you can see who is at the door before you open it. Make sure windows have working locks and use security bars for basement or ground floor windows if necessary.Potential outdoor lightingBright outdoor lighting can deter burglars, so install lighting around entrances, garages and dark corners of your home. Motion-activated lights are especially effective at deterring potential intruders.Alarm systemsIf you don’t already have one, consider investing in a home security system. It doesn’t have to be luxurious; even a basic model can be enough to keep thieves at bay. For extra peace of mind, you can also install a video doorbell.5. Keeping the outdoors safeThe exterior of your home also needs attention to make it safe and reduce the risk of accidents.Prune all the trees and shrubs you haveOvergrown plants can provide hiding places for intruders. Prune shrubs, especially around windows and paths. Also keep trees away from power lines to prevent damage during storms..u798404224fd8aa7e923e68ab994f799d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u798404224fd8aa7e923e68ab994f799d:active, .u798404224fd8aa7e923e68ab994f799d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u798404224fd8aa7e923e68ab994f799d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u798404224fd8aa7e923e68ab994f799d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u798404224fd8aa7e923e68ab994f799d .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u798404224fd8aa7e923e68ab994f799d:hover .postTitle { text-decoration: underline!important; } See alsoHow to Remove Fake Nails Safely at HomeCheck your paths and stepsCracked or uneven pavement can pose a tripping hazard. Repair any damage to paths and remove moss or wet leaves from steps to make them safer to walk on. In the colder months, keep salt on hand to prevent ice from forming on paths and driveways.A little time spent at security checks can make a world of difference. These safety checklist measures can help you be better prepared for unexpected emergencies and reduce the risk of accidents at home.

This CD still yields 4.35%—here are the best CD rates on Oct. 31, 2025
Personal Finance 2025-12-31 19:17:55

This CD still yields 4.35%—here are the best CD rates on Oct. 31, 2025

There’s still time to secure an attractive return on a certificate of deposit, but don’t delay. In the aftermath of the Federal Reserve’s three interest rate reductions in 2024, CD rates fell quickly. They largely leveled off in the first part of 2025 while the Fed temporarily suspended further rate changes—but have begun to dip in light of the central bank’s rate cut in September and the possibility of further cuts in October and December.The most lucrative CD rates currently available offer up to 4.35% APY. By funding a certificate now, you could potentially lock in these high rates for years to come. With markets anticipating the possibility the Fed further reducing the federal funds rate in coming months, any delays may result in missing out.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on October 31, 2025: Earn up to 4.35%The highest CD rate of 4.35% is offered by Ivy Bank on its three-month CD.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates available:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare rates to top national banksMany of the institutions mentioned may not be familiar because certificates of deposit typically do not generate significant income independently for major financial institutions. Established banks like Chase, PNC, and U.S. Bank prioritize attracting customers through more lucrative products, such as loans and credit cards, rather than CDs. Consequently, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Additionally, securing a competitive rate at these larger banks may necessitate opening additional deposit accounts or meeting higher minimum deposit requirements.CD rates news 2025Investors should understand that CD rates move in lockstep with Federal Reserve monetary policy decisions. When the fed funds rate rises or falls, CD rates follow. It’s crucial for CD investors to stay attuned to shifts in central bank policy in order to effectively plan for potential rate adjustments.The federal funds rate currently stands at 4.00%-4.25% after the Federal Open Market Committee (FOMC) met Sept. 16-17.In 2024, the Fed cut rates three times, leaving the federal funds rate in a range of 4.25%-4.50% as of December. The central bank reduced rates as inflation began receding following a pandemic-related spike. The rate cuts sought to support the U.S. economy with cheaper loans, and that took CD rates down from highs seen the years prior.The very rich CD yields in 2022 and 2023 were driven by a two-year-long series of Fed rate hikes. From March 2022 to July 2023, the FOMC raised the federal funds rate 11 times, taking it from zero all the way up to 5.25%-5.50%. The central bank was acting to control inflation that hit highs not seen since the 1980s, driven by the significant economic disruptions of the COVID-19 pandemic.With the Fed’s first rate cut of 2025 occurring at its September meeting, rates began to show signs of dipping. They could drop further if the Fed reduces rates again when it meets in October and December. The next FOMC meeting is set for Oct. 28-29.While current CD rates are softer now, they’re still not far off their recent highs. Investors still have plenty of opportunities to secure advantageous rates on both short-term and long-term CDs. By investing a larger lump sum into your CD account, you can benefit from substantial interest accumulation.Historical CD ratesIn the early 1980s, CD rates surged into double digits, in sharp contrast with lower rates in 2025. By 2019, however, the APY for a 5-year CD had surpassed 3.00%.In recent years we experienced a period of increasing rates, with the best offerings surpassing 5.00% APY for 1-year CDs in 2024. These APYs are now beginning to stabilize, and we no longer see many rates above this threshold in 2025.How to get a good CD rateDetermining what constitutes a “good” CD rate involves finding a balance between securing the highest available rate and your willingness to keep funds locked away for a specific duration. For instance, choosing a 5.00% APY CD over five years might not be ideal if you expect to need access to your funds sooner or if interest rates increase, potentially lowering your overall returns. Generally, rates that exceed the national average are considered advantageous. It’s crucial to compare rates across different banks to find the best option tailored to your specific financial goals. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings objectives and time frame.APY:Higher rates are typically offered for longer terms.Minimum deposit:Verify that you can meet the required initial balance.Penalties:Understand the costs associated with early withdrawal before maturity.Deposit insurance:Confirm that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Additionally, online banks often provide higher interest rates, but be mindful of any minimum balance requirements and associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.Look into offerings from online banksOnline banks and fintech companies often offer more competitive rates compared to national banks. Large financial institutions primarily derive revenue from interest on loans, fees, and investments in securities.Meanwhile, smaller banks and online fintech companies attract customers by providing competitive APYs on deposit accounts. Furthermore, online banks typically operate with lower overhead costs, allowing them to pass on better rates to their clients.Set up a CD ladderCD ladders appeal to savers who prefer flexibility without committing funds for extended periods. By diversifying savings across CDs with different maturity dates, you can balance short-term accessibility with higher long-term interest rates.For instance, begin by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year terms). As each CD matures, reinvest the funds into a new 3-year CD. This approach allows annual access to your funds while benefiting from accrued higher interest from the longer term lengths.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Types of certificates of depositThere are various types of CDs designed to meet different financial needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often offer higher APYs because they are issued by banks and then sold to brokerages.Callable CDsinclude a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.Bump-up CDsallow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD’s term.No-penalty CDsdo not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.Jumbo CDsrequire a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current price of silver as of Wednesday, October 29, 2025
Personal Finance 2025-12-15 05:36:42

Current price of silver as of Wednesday, October 29, 2025

As of 8:15 a.m. Eastern Time on October 29, 2025, silver traded at $48.30 per ounce. That’s up $1.80 from yesterday at this hour and represents a gain of more than $13 over the past 12 months.Silver price per ounce% ChangePrice of silver yesterday$46.50+3.87%Price of silver 1 month ago$46.05+4.88%Price of silver 1 year ago$34.45+40.20%Price of silver yesterdaySilver price per ounce$46.50% Change+3.87%Price of silver 1 month agoSilver price per ounce$46.05% Change+4.88%Price of silver 1 year agoSilver price per ounce$34.45% Change+40.20%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver is not typically a high-growth play. Historically, it trails other investment options, like stocks. From 1921 onward, silver has underperformed the S&P 500 by about 96%. That means an equal sum invested in silver and stocks back then would now be worth 96% less in silver holdings than stocks. Instead, silver is prized for its stability and its power to hedge against inflation. Often dubbed a “store of value,” it tends to sustain purchasing power when inflation climbs. Compared with gold, silver prices generally swing more sharply due to industrial demand—solar equipment, healthcare devices, and more—whereas gold is almost purely a safe-haven asset.What does “spot silver” mean? “Spot silver” refers to the live market rate at which silver can be bought or sold instantly. That said, real-world buyers usually pay a premium over spot for markups, shipping, insurance, and other fees. The spot price serves as a gauge of immediate market demand: a higher spot price means stronger buying interest. What is “price spread” in silver trading? The term “price spread” describes the difference between the buying (ask) and selling (bid) prices for silver. Here’s how those terms are defined. Ask price:the cost to purchase silver. Bid price:the amount you receive when you sell silver. A narrower spread indicates high demand. How to invest in silver Silver exposure can be achieved through physical ownership or via silver-backed exchange-traded funds (ETFs). ETFs let you own a stake in a fund that holds silver, sparing you storage and insurance responsibilities. Key silver investment options include: Bullion bars and rounds.These are sold by weight and purity Government-minted silver coins.Iconic examples include American Silver Eagles and Canada’s Silver Maple Leafs, which often trade at premiums for their rarity and backing. Silver jewelry.Custom pieces that fetch prices above equal-purity bullion. Silver mining equities.Stocks in companies extracting silver, offering a sort of indirect investment in silver. On exchanges, bullion and coins must meet a minimum 99.9% purity. Lower-purity silver generally falls into collectible or industrial categories. 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font-weight: 600; } }Is it a good time to invest in silver? Silver has surged nearly 25% in 2025, hitting its highest levels in over a decade. Deciding whether to invest now depends on your unique attitude toward the market. If inflation is top of mind, adding precious metals can be prudent. Or, if you foresee rising industrial applications—such as electronics—demand could potentially push prices even higher. Current precious metals prices as of 8:15 a.m. ET on October 29, 2025Precious metal Price per ounceGold$4,025.87Silver$48.30Platinum$1,614.55Palladium$1,435.35GoldPrice per ounce$4,025.87SilverPrice per ounce$48.30PlatinumPrice per ounce$1,614.55PalladiumPrice per ounce$1,435.35Gold remains the benchmark metal, while platinum and palladium exhibit volatility patterns similar to silver due to smaller market caps. Gold’s larger market makes it comparatively stable.Pro tipLooking for gold over silver? Explore our picks for the best gold IRA companies.  The takeaway With economic volatility persistent in the current market, precious metals deserve at least a quick look. Silver’s 2025 performance has outshined gold’s, and many experts forecast the likelihood of seeing further upside, potentially pushing silver to record levels. Silver’s lower entry cost compared with gold also makes it an accessible hedge. Whether through physical bullion, ETFs, or mining stocks, you can position yourself to benefit from anticipated silver demand.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Many advisors suggest allocating no more than between 10% and 15% to silver, keeping total precious metal holdings under 20%.Can silver be held in an IRA?Yes—IRA-eligible silver coins and bars (99.9% pure) stored with an IRS-approved custodian qualify. Coins with lower silver content, such as pre-1965 U.S. coins that often have around 90% purity and are known as constitutional silver, aren’t permitted. But of course, silver coins and jewelry that doesn’t hit the 99.9% purity level can still be collected or worn outside of retirement accounts.What’s driving silver prices in 2025? Silver’s ascent this year reflects tight supplies and robust demand from both industrial users and investors.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Five times Amorim has already crossed paths with Man United
Sports 2025-12-21 23:42:40

Five times Amorim has already crossed paths with Man United

Ruben Amorim's career has had a connection with Manchester United dating back to his playing days.The Sporting head coach is in talks with the Red Devils over the vacant managerial role, with Erik ten Hag leaving the club after months of pressure building on his shoulders. Ruben Amorim's career has had a connection with Manchester United dating back to his playing days. The Sporting head coach is in talks with the Red Devils over the vacant managerial role, with Erik ten Hag leaving the club after months of pressure building on his shoulders. The Dutchman had guided United to their worst ever start to a Premier League season, and with three draws from winning positions in the Europa League from three games, results seemingly were not picking up. Amorim, meanwhile, has picked up plaudits in recent years for his exceptional work in the Portuguese capital, ended Sporting Club's 19-year wait for a league title in 2020-21, before winning the top-flight again last year. Here, Mail Sport's JOE BERNSTEIN looks at five occasions where Amorim and United's paths have crossed... 1. HOME AND AWAY CHAMPIONS LEAGUE TUSSLES Amorim was a member of the Benfica team that faced United in the Champions League group stages in 2011-12 and went on to progress to the knockout stages at Sir Alex Ferguson's expense. He started on the right of a midfield three for the tie in Lisbon which finished 1-1 after Ryan Giggs cancelled out a goal by Oscar Cardozo. Amorim then appeared as a late substitute in a 2-2 draw at Old Trafford in November when Benfica were aided by an own goal from Phil Jones. Benfica topped the group and went on to reach the quarter-final when they were eliminated by eventual winners, Chelsea. Among Amorim’s team-mates in Portugal was future United midfielder, Nemanja Matic. Incidentally, United finished third in the group – in Sir Alex Ferguson’s penultimate Champions League campaign – and dropped into the Europa League. Amorim also returned a year later with Braga in Group H, in a side that also had Manchester City's future sporting director Hugo Viana in central midfield, losing 3-2 in Manchester, with Jonny Evans on the scoresheet with the winner for the hosts. 2. FERGIE NO 2 GIVES WORLD CUP CHANCE Two figures well-known to United fans were key to the beginning of Amorim’s international career for Portugal at the 2010 World Cup in South Africa. Amorim wasn’t named in the original squad but received a late call-up when United winger Nani was ruled out with a damaged collar bone suffered in training. The Portuguese boss Carlos Queiroz – who famously served as Sir Alex Ferguson’s assistant at Old Trafford – chose Amorim, then 25 and doing well with Benfica, to join the party, and he played in the 0-0 group game against Ivory Coast. It proved the first of 14 international caps for Amorim, many of them alongside Cristiano Ronaldo. He also played in a World Cup group game against Ghana four years later in Brazil but was not in the squad which won Euro 2016. 3. ERIKSEN WILL REMEMBER Amorim had the last laugh over one of the players he will manage at Old Trafford, Christian Eriksen, when they faced each other in the 2014 Europa League knockout stages. Despite scoring a free-kick in the last-16 first leg at White Hart Lane, Eriksen’s Spurs were beaten 3-1 by Benfica with Amorim setting up one of the visitor’s goals with a slide-rule pass. The second leg ended 2-2 at The Stadium of Light and Benfica progressed all the way to that year’s final – where they were beaten on penalties after a goalless draw by Sevilla, managed by a certain Unai Emery 4. UGARTE REUNION Given that Manuel Ugarte had two successful years under Amorim at Sporting, one wonders if the £42million purchase of the Uruguayan from PSG in the summer was made with a change of manager already in mind. It would explain why Erik ten Hag has been so reluctant to start with Ugarte. There is no doubt working for Amorim catapulted the combative midfielder into a higher echelon. He won the Portuguese League Cup and Super Cup with Sporting in 2022 and his performances the following season won him a £50million move to Paris St Germain. Though things didn’t work out for Ugarte in France, the prospect of working again for Amorim at Old Trafford will be exciting for the 23-year-old. Ugarte has a contract at United until 2029 – plenty of time for their partnership to work again. Amorim is a confirmed fan. After a 3-1 win at fierce rivals Benfica in 2021, the Sporting coach took time to praise the "personality and quality he (Ugarte) showed with the ball." 5. CLEAN SHEET IN MANCHESTER Given the rivalry with Manchester City, United fans might be heartened that on Amorim's only trip to Manchester as a manager - with Sporting in 2022 - the Portuguese side kept a clean sheet in a goalless draw, Ugarte among his starting XI. It was one of only three occasions that City failed to score at home in the 2021/22 season from their 28 games at The Etihad. Not that Pep Guardiola was overly-disturbed, City had already won the reverse Champions League fixture in Lisbon 5-0 when Bernardo Silva scored twice.

Postecoglou wonders if ETH have been sacked despite two trophies as Spurs boss
Sports 2026-01-02 03:58:47

Postecoglou wonders if ETH have been sacked despite two trophies as Spurs boss

Ange Postecoglou has questioned whether Erik ten Hag would have been sacked if he was at Tottenham rather than Manchester United.Ten Hag was sent packing on Monday after nearly two-and-a-half years at the club, and is set to be replaced by Ruben Amorim with United willing to play the Portuguese's release clause. Ange Postecoglou has questioned whether Erik ten Hag would have been sacked if he was at Tottenham rather than Manchester United. Ten Hag was sent packing on Monday after nearly two-and-a-half years at the club, and is set to be replaced by Ruben Amorim with United willing to play the Portuguese's release clause. He will have the task of turning around the Red Devils' fortunes when he takes over, with the club 14th in the Premier League and having not won in Europe for over a year. Postecoglou, meanwhile, speaking before his side's Carabao Cup game against Manchester City this week, compared the Dutchman's efforts at United to his own at Tottenham. He gave his verdict on his dismissal, pointing to the fact that he managed to win two trophies in two years. 'Nah, not really shocked,' Postecoglou, whose Spurs side beat United less than a month ago, said. 'Disappointing as it was, it was almost inevitable with the scrutiny he had. 'If you look at Erik, he was there for two and a bit years. He won a trophy in each year, they finished third in his first year. If he was here with that record would he have lost his job? I don't know. 'Would he be under the same scrutiny? I don't know, because everyone tells me all I have to do is win a trophy, but I have got a feeling it would be the same because, just the nature of the world today.' Tottenham haven't won a trophy since 2008 when they lifted the League Cup, with supporters desperate for silverware again. Ten Hag, meanwhile, won the League Cup in 2023 and FA Cup in 2024. Postecoglou is determined to deliver that, but is keen not to underestimate the importance of finding the balance between silverware and long-term success. He also wished the best for Ten Hag, who is now out of work having left his role at Old Trafford. 'As a manager you have to hit a sweet spot where you get success, you play football everyone likes, you get every signing right,' he continued. 'In that moment you seem to get some sort of validation. 'Anything other than that, it seems to be for some clubs they want trophies not football, others want football. It is a difficult task. 'But what you have seen in the past, I'm sure Erik will bounce back from that because he is a good manager. You have seen it with other managers. I'm sure his career will continue to go on strongly.'

Current price of silver as of Thursday, October 30, 2025
Personal Finance 2025-12-14 12:06:30

Current price of silver as of Thursday, October 30, 2025

At 8:15 a.m. Eastern Time on October 30, 2025, silver cost $48.17 per ounce. That’s a $0.13 drop from yesterday but more than a $14 increase compared with last year.Silver price per ounce% ChangePrice of silver yesterday$48.30-0.26%Price of silver 1 month ago$46.92+2.94%Price of silver 1 year ago$33.77+42.64%Price of silver yesterdaySilver price per ounce$48.30% Change-0.26%Price of silver 1 month agoSilver price per ounce$46.92% Change+2.94%Price of silver 1 year agoSilver price per ounce$33.77% Change+42.64%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t an investment to look to for explosive returns. In the long term, it significantly trails the stock market. Since 1921, silver’s value has lagged the S&P 500 by about 96%—meaning an identical investment in both would leave the silver portion worth roughly 96% less on October 30, 2025. Silver’s appeal lies in stability and hedging against inflation. Known as a “store of value,” it often preserves purchasing power when inflation bites, effectively petrifying the value of your money until you want to access it again. That said, silver’s price swings are more pronounced than gold’s because of its industrial applications—in gadgets, healthcare tools, and beyond—whereas gold is almost exclusively a safe-haven asset.What does “spot silver” mean? The “spot silver” price indicates the current rate at which silver could, in principle, be traded instantly. But we should note that buyers in the real world typically face premiums above spot to cover markups, shipping costs, and insurance. Spot pricing offers investors a real-time barometer of market demand. That is to say, a higher spot price suggests stronger buying pressure.What is “price spread” in silver trading? “Price spread” denotes the difference between ask and bid prices: Ask price.This means the cost to purchase silver Bid price.This means the proceeds from selling silver A tight bid-ask spread points to high liquidity, while a wide gap can indicate lower trading activity. How to invest in silver Silver holdings can be physical or fund-based (ETFs). ETFs allow you to gain exposure without handling storage or logistics, as the fund can still retain actual silver. Popular silver investments include: Bullion.This is in the form of bars or rounds sold by weight and purity. Coins.Government-minted currency such as American Silver Eagles and Silver Maple Leafs, often sold at a premium, are popular both for aesthetic reasons and because the government backing may give buyers a level of confidence in the purchase’s authenticity.  Jewelry.Think artisanal pieces that command prices above equivalent-purity bullion. Mining stocks.This refers to shares in companies extracting silver, offering an indirect route for investing in silver. On exchange platforms, bullion and coins must be at least 99.9% pure. Anything below this threshold typically qualifies as industrial or collectible silver. The best silver IRA companies can help you to formulate a strategy for investing in precious metals like silver.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; 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font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }Is it a good time to invest in silver? Silver’s price has climbed almost 25% in 2025, reaching decade-high levels. Whether to buy now hinges on your strategy. Precious metals can hedge inflation, and rising industrial uses—from solar to electronics—could potentially drive further gains. However, investors looking for more robust growth may be disappointed. Current precious metals prices as of 8:15 a.m. ET on October 30, 2025 Precious metal Price per ounceGold$3,981.05Silver$48.17Platinum$1,585.35Palladium$1,431.56GoldPrice per ounce$3,981.05SilverPrice per ounce$48.17PlatinumPrice per ounce$1,585.35PalladiumPrice per ounce$1,431.56Gold is the stalwart safe haven; platinum and palladium share similar volatility to silver due to smaller markets.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway In an uncertain economy, precious metals may be a prudent addition to one’s portfolio. Silver’s performance in 2025 has bested gold’s, and some analysts predict a continued uptrend which may potentially push prices to all-time highs. Silver’s relatively low cost makes it more accessible for the casual investor. Whether through physical holdings, ETFs, or mining equities, you can position yourself to benefit from the next silver upswing. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors typically advise allocating no more than 10% to 15% to silver and capping precious-metal exposure overall at 20%.Can silver be held in an IRA?Yes—IRA-approved, 99.9% pure coins and bars held by an IRS-approved custodian qualify.  While some may choose to collect silver jewelry with lower purity levels or pre-1965 U.S. coins containing silver (often containing around 90% purity and known as “junk silver”) just know these won’t qualify for IRA inclusion.What’s driving silver prices in 2025? This year’s silver rally likely stems from limited supply and growing demand from industrial and investment sectors.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Does your side burn you out? 10 signs to pay attention and what they have to do about it
Health 2025-12-21 07:57:43

Does your side burn you out? 10 signs to pay attention and what they have to do about it

Contents1. You lose passion before your side pressed2. You are always tired, regardless of how much you sleep3. Your anxiety levels are through the roof4. Your most important work performance is suffering5. You can’t even break6. You feel stressed about money – even if you earn more7. Your health is a hit8. Your relationships go through the drainage9. You don’t see the results you expected10. You are constantly considering stoppingBeat Side Hustle BurnoutHaving a side thrust is an excellent way to pursue your interests and earn extra income. Everyone thinks you are the meant to have the time of your life, thanks to your finances that are finally balanced. Most do not know that the passion project that you start with such an enthusiasm can also lead to exhaustion if it is not well managed.Here are 10 signs that your side pressure you burn – and what you can do to regain the balance.1. You lose passion before your side pressedWhat you have ever excited now feels like an obligation. If your enthusiasm is blurred and you only do your side out of necessity, Burn -Out can be the perpetrator.What to do:Connect again with your original motivation. Ask yourself why you started here in the first place. Only if necessary your workload, outsourced or turn or turn to aspects of your side sink that you find more satisfactory.2. You are always tired, regardless of how much you sleepIf you wake up exhausted despite a whole night’s sleep, you might push yourself too hard. Chronic fatigue is an important sign of burnout and can influence productivity, focus and overall well-being..uc7dd72ec7cd8afe16596a29010e9ef8e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uc7dd72ec7cd8afe16596a29010e9ef8e:active, .uc7dd72ec7cd8afe16596a29010e9ef8e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uc7dd72ec7cd8afe16596a29010e9ef8e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uc7dd72ec7cd8afe16596a29010e9ef8e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uc7dd72ec7cd8afe16596a29010e9ef8e .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uc7dd72ec7cd8afe16596a29010e9ef8e:hover .postTitle { text-decoration: underline!important; } See alsoSigns You Need Physical Therapy After an InjuryWhat to do:Prioritize the rest and set strict working boundaries. Plan downtime just as you would do meetings or deadlines. Recording small relaxation breaks during your day can also make a big difference. Also consider using business tools to make your operation more efficient.3. Your anxiety levels are through the roofYou are constantly worried about negative assessments, losing customers or missing opportunities. Your side has become a source of stress instead of satisfaction.What to do:Set boundaries with customers about response times and availability. Consider using automation tools for common tasks and communication. Remember that perfect is the enemy of good – sometimes “good enough” is really good enough. Ensure that you also give priority to self -care Lower Burn -Out Stress and increases productivity. If the symptoms persist, consider looking for professional guidance.4. Your most important work performance is sufferingYou can miss deadlines, make unusual errors or struggle to concentrate during your primary working hours because you think about or management from your side.What to do:Remember why you started – it is called a side for a reason. Your primary source of income must be given priority. Consider scaling your company back during busy periods during your daily work or to automate a number of processes to free up mental space.5. You can’t even breakYou invest more money than you earn, or the irregular income causes fear of paying bills.What to do:Follow your expenses carefully and set clear profit goals. Remember that if your successive income is greater than $ 600 via online market places or payment appsYou must report it to the IRS using form 1099-k. Build this tax obligation in your price strategy to prevent financial surprises..u4edbc89ba042c2d5de87be3991e89ee9 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4edbc89ba042c2d5de87be3991e89ee9:active, .u4edbc89ba042c2d5de87be3991e89ee9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4edbc89ba042c2d5de87be3991e89ee9 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4edbc89ba042c2d5de87be3991e89ee9 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4edbc89ba042c2d5de87be3991e89ee9 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u4edbc89ba042c2d5de87be3991e89ee9:hover .postTitle { text-decoration: underline!important; } See alsoAmericans have to pay more than $ 20 next year to visit the majority of Europe: new reimbursement riseZijhustlers often underestimate tax responsibilities, which leads to stress when submitting season arrives. Consider consulting a tax professional to guarantee compliance and to prevent last-minute surprises.6. You feel stressed about money – even if you earn moreIronically, making extra income can sometimes lead to more stress. Whether it is about financial uncertainty, inconsistent income or the pressure to scale, ensuring money can cause a burnout.What to do:Set clear financial goals and budget wise. If your side does not offer the financial security that you had expected, consider adjusting your prices, reducing unnecessary costs or finding ways to make it more sustainable.7. Your health is a hitYou skip meals, exercise has become a distant memory and you can’t remember the last time you had a good control. You are experiencing more frequent diseases Just like headache, muscle tension, digestive problems and loss of motivation – signs of chronic stress by surviving yourself.What to do:Block time for physical activity and meal preparation, just as you would do for customer meetings. Your health is your most valuable possession – without this, neither your most important job nor Zijhustle thrive. Practice regularly, eat healthy and practice mindfulness for all -round well -being.8. Your relationships go through the drainageIf you notice that you answer e -mails at midnight or constantly think on your side, you can blur the lines between work and personal life. Perhaps friends and relatives said they hardly see you anymore, or you are constantly distracted during social meetings because you are thinking about work. If you skip social meetings or miss Quality Time with loved ones because of your side, it might be time to reassess your priorities..ub441e120c7131f52238eb4d2f942a69e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ub441e120c7131f52238eb4d2f942a69e:active, .ub441e120c7131f52238eb4d2f942a69e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ub441e120c7131f52238eb4d2f942a69e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ub441e120c7131f52238eb4d2f942a69e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ub441e120c7131f52238eb4d2f942a69e .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ub441e120c7131f52238eb4d2f942a69e:hover .postTitle { text-decoration: underline!important; } See also7 Outfit Ideas For Usher's Concert That'll Steal All The AttentionWhat to do:Set clear limits. Make a designated workspace, disable notifications after working hours and give yourself the time to disconnect.Plan regular, non -negotiable time with loved ones where your phone stays in another room. Quality Time is more important than quantity when it comes to Minimalization of social isolation From stress induced by burnout. So, let the moments you spend with others count by being completely present.9. You don’t see the results you expectedIf you do considerable time and effort, but do not see the financial or personal growth that you had hoped, can build frustration and lead to burnout.What to do:Re -evaluate your strategy. Do you focus on the right audience? Is your prices sustainable? Sometimes small adjustments can lead to better results without increasing your workload.10. You are constantly considering stoppingIf stopping comes to you more often, it may be time to reassess whether you are still of service.What to do:Consider taking a break or moving your business model. It is ok to pause or even walk away if your side no longer matches your goals or well -being.Beat Side Hustle BurnoutSide Hustles can be empowerment and rewarding, but they should not be at the expense of your mental and physical health. By recognizing the signs of burnout and taking proactive steps to create a sustainable balance, you can continue to pursue your passion without sacrificing your well-being.

How exercise can promote mental health during recovery
Health 2025-12-26 05:14:54

How exercise can promote mental health during recovery

ContentsRelease feel-good chemicalsReduce stress and anxietyQuality sleep improvementBuild trust and self -respectCreate structure and routineCherish social tiesEncouraging long -term benefitsRecovery of addiction is not as easy as many people think it is. It is actually a fairly complex process that requires much more than merely abstinence of substances. It is a path to regaining health, including physical, emotional and mental innovation. Although therapy and support groups form a basis for recovery, exercise is often overlooked. Yet physical activity is actually a powerful tool that could considerably stimulate a person’s mental health and improve recovery.Release feel-good chemicalsExercise affects brain chemistry with regard to mood; Such exercises from mild physical activity to intense physical exertion release the endorphins of your body, the so-called “feel-good” chemicals. These endorphins interact with receptors in your brain, reduce sensations of pain and producing feelings associated with pleasure-what is sometimes called a ‘high’s high’. For those in recovery, these can be healthy alternatives to the unnatural highlights created by substances. A lot of Treatment centers for addictions Patients will practice in their routines as a means of mood regulation and play the psychological bumps during early stages of recovery.Reduce stress and anxietyUndoubtedly, the most prominent obstacle of mental health during recovery is stress and fear management, which usually serves as a trigger for substance use. Aerobic exercises are natural stress reducers; They reduce the cortisol levels in the body, which is the most important stress hormone. Other great activities such as yoga, walking and strength training enable the nervous system to relax and respond much better in the presence of stressors. Moreover, it distracts the Spirit and serves as a healthy outlet where people can channel their energy and emotions in recovery..u8e642dc1e8cedd27264e528ad6bd2b48 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u8e642dc1e8cedd27264e528ad6bd2b48:active, .u8e642dc1e8cedd27264e528ad6bd2b48:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u8e642dc1e8cedd27264e528ad6bd2b48 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u8e642dc1e8cedd27264e528ad6bd2b48 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u8e642dc1e8cedd27264e528ad6bd2b48 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u8e642dc1e8cedd27264e528ad6bd2b48:hover .postTitle { text-decoration: underline!important; } See alsoNatural ways to improve your sleep without pillsQuality sleep improvementSleep disorders are one of the most common complaints of people in recovery, especially in the early phase. Poor sleep worsens mental disorders such as depression and anxiety, making recovery much more difficult. Physical activity can make enormous contribution to an improvement in sleep quality. Physical activity increases the temperature of the core of the body, and when it cools through practice, the body indicates that it is time to go to sleep. Regular physical activity can also improve the regularity of circadian rhythms, making it easier to fall into a pattern of healthy sleep.Build trust and self -respectRecovery can often leave a person with feelings of guilt and a lack of self -esteem. With practice one can regain trust through real and tangible progress. Achieving and setting fitness goals, whether it runs mile, lifting weights or completing a yoga class can build a sense of satisfaction. This new self -confidence is transferred to other areas of life, so that the individual is better equipped to meet emotional and psychological challenges that make their way in recovery.Create structure and routineAddiction disrupts daily life and knew every appearance of routine; Exercise aids in drawing up a structured schedule and offers consistency that can be important during recovery. Adding physical activity to someone’s daily schedule gives them a positive anchor and reduces much of the inactive time that can be spent that can lead to negative activities or desires. A predictable self -care schedule causes stability, which is extremely important for mental and emotional health..u7b7b2aefe968c217a57f631a741f13c3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u7b7b2aefe968c217a57f631a741f13c3:active, .u7b7b2aefe968c217a57f631a741f13c3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u7b7b2aefe968c217a57f631a741f13c3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u7b7b2aefe968c217a57f631a741f13c3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u7b7b2aefe968c217a57f631a741f13c3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u7b7b2aefe968c217a57f631a741f13c3:hover .postTitle { text-decoration: underline!important; } See alsoInsight into the benefits of facial treatments for skin healthCherish social tiesThe recovery process can be very lonely, while exercising can create roads for interaction with and meet others. The social relationships that are forged by membership of a gym, fitness classes and group sports will bring positive individuals in their job who can prove to be very encouraging and supportive environments, stimulating those involved in many ways.Encouraging long -term benefitsThe benefits of exercises are much greater than just in the recovery period. Regular physical activities in the long term reinforce both the body and the mind of an individual, which prevents recidivism. Moreover, it offers ways to deal with stress and emotional challenges more healthy. Regular physical activities reinforce continuous mental health and further develop the structures developed during treatment.Exercise inclusive recovery is not only good for physical health, but can also be life-changing in terms of approach and emotional and psychological addiction. In particular, exercise has an endless list of benefits, including improving mood, reducing stress, developing trust and offering a structured way to improve someone’s mental health during and after recovery. Although alcohol therapy and treatment centers are very important, physical activity is the complementary power that enables someone to take back his life and thrive in all aspects of his sober life.

Choose the right room for your Viola Calacatta Marble -Salon table
Health 2025-12-26 20:27:15

Choose the right room for your Viola Calacatta Marble -Salon table

ContentsInsight into the unique characteristics of Viola Calacatta MarbleEvaluation of the design style of your houseChoose the right room based on table size and shapeImproving the living room aesthetics with Viola Calacatta MarbleUse the table as a statement piece in your dining areaAdd elegance to bedrooms with a Viola Calacatta salon tableDesigning a luxury home office with marble accentsBring all together: choose the perfect space for your marble coffee tableFinding the perfect place for your Viola Calacatta Marble -Salon table can increase the style and functionality of your house. This guide helps you to choose the ideal room to present the elegance and at the same time maximize usability.Insight into the unique characteristics of Viola Calacatta MarbleViola Calacatta Marble is a beautiful material that adds elegance and refinement to every room. The unique mist, combines deep violet and fresh white tones, creates a unique design that stands out.In addition to his beauty, Viola Calacatta Marble is known for his sustainability. It can resist daily use while retaining his polished, high-end look. This makes it an excellent choice for your house, which combines style with usability.By understanding these functions, you better appreciate why Viola Calacatta Marble is such a sought -after option. Choosing this material ensures that your coffee table becomes a center that reflects your taste and improves your living space.Evaluation of the design style of your houseChoosing the right room for your Viola Calacatta Marble -Salon table includes the attention of the design style of your house. This marble table is versatile and works well in different settings, but it is most effective when it supplements your existing design.View your furniture, color schemes and overall aesthetics. Is your style modern, traditional or eclectic? The unique Awonting of Viola Calacatta -marble can add elegance to minimalist spaces or offer a daring contrast in lively, colorful rooms..u91e29fa7204087610baacf57ea6a3f92 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u91e29fa7204087610baacf57ea6a3f92:active, .u91e29fa7204087610baacf57ea6a3f92:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u91e29fa7204087610baacf57ea6a3f92 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u91e29fa7204087610baacf57ea6a3f92 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u91e29fa7204087610baacf57ea6a3f92 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u91e29fa7204087610baacf57ea6a3f92:hover .postTitle { text-decoration: underline!important; } See alsoHow to choose pants depending on your body typeThink about how the table will mix with your current pieces. For a coherent look, match are tones with your upholstery or carpets. If you prefer a statement piece, the dramatic pattern of the marble stands out.By evaluating your design style, you can ensure that your Viola Calacatta Marble -Salon table improves the beauty of your space.Choose the right room based on table size and shapeGiven the size and shape of the table, it is important when selecting the best space for your Viola Calacatta Marble -Salon table. These factors play a crucial role in determining where it fits best in your house.Start by measuring the available space in every room. A larger table can work well in a spacious living room, while a smaller table might be ideal for a cozy sitting area or bedroom.The shape of your marble coffee table is also important. A rectangular table fits longer rooms and offers balance and functionality. A round or oval design softens the corners on the other side and creates a hospitable current in smaller or irregularly formed spaces.By matching the size and shape of the table with the layout of the room, you can take care of it Viola Calacatta Marble Coffee Table Become a functional and stylish center.Improving the living room aesthetics with Viola Calacatta MarbleYour living room is the perfect space to present the elegance of a Viola Calacatta Marble -Salon table. The unique vein and luxurious finish makes it a striking center that attracts attention and raises the aesthetics of the room.Place the table in the middle of your seating area to create a focal point that binds the furniture. Consider the color palette of your living room to further improve the appearance. The deep violet and fresh white tones of Viola Calacatta marble supplement both neutral and daring designs..u08bcc7860431da759ff21131840ea246 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u08bcc7860431da759ff21131840ea246:active, .u08bcc7860431da759ff21131840ea246:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u08bcc7860431da759ff21131840ea246 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u08bcc7860431da759ff21131840ea246 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u08bcc7860431da759ff21131840ea246 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u08bcc7860431da759ff21131840ea246:hover .postTitle { text-decoration: underline!important; } See alsoI accidentally followed a senior yoga class: this is what I have learnedIn addition to its visual attraction, this coffee table is practical for daily use. It offers a durable surface for drinks, design or books that seamlessly combine style and functionality in your living room.Use the table as a statement piece in your dining areaA marble coffee table from Viola Calacatta can transform your dining area into a stylish and inviting space. Although coffee tables are not traditionally found in dining rooms, the use of a piece of statement adds a modern and unique touch.Place it near a window or a sitting area in Lounge in the room to create a cozy and functional corner. The daring vein of Viola Calacatta Marble adds refinement and elegance to your dining area and supplement to both contemporary and classic furniture styles.Combine the table with soft lighting or metal accents to emphasize the luxurious finish. This setup not only improves the overall aesthetics of the space, but also offers a handy surface for entertainment. By using the marble coffee table as a statement piece, you can raise your dining area with minimal effort.Add elegance to bedrooms with a Viola Calacatta salon tableAdding a Viola Calacatta Marble salon table to your bedroom can immediately elegance and functionality. This luxurious piece works perfectly as a central function in a spacious bedroom or as a stylish addition to a cozy seating area.The distinctive mist and polished finish creates a refined look that complements both modern and classic bedroom designs. Place the table near a reading chair or at the foot of your bed to improve the aesthetics of the room and ensure a functional surface for books, candles or decorative items.The natural beauty of marble combines beautifully with soft textiles, such as plush carpets or linen curtains, creating a serene and inviting atmosphere. By including a Viola Calacatta Marble -Salon table, you can transform your bedroom into a refined, relaxing retreat with minimal effort..u8c6c37b41d3e575e214eb9e4aa18c866 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u8c6c37b41d3e575e214eb9e4aa18c866:active, .u8c6c37b41d3e575e214eb9e4aa18c866:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u8c6c37b41d3e575e214eb9e4aa18c866 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u8c6c37b41d3e575e214eb9e4aa18c866 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u8c6c37b41d3e575e214eb9e4aa18c866 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u8c6c37b41d3e575e214eb9e4aa18c866:hover .postTitle { text-decoration: underline!important; } See alsoHow to choose the best shoes for your daily lifeDesigning a luxury home office with marble accentsRecording a Viola Calacatta Marble -Salon table in your home office can create a refined look that inspires productivity and creativity. Placing the table near your sitting area or as a central piece in the room makes it a stylish and practical addition.Use the coffee table to display decorative accents, such as books, plants or artworks, to personalize your office while retaining a professional feeling. The rich tones of the marble pair beautiful with wood, metal or leather furniture, creating a balanced and refined design.By integrating Marble accents such as the Viola Calacatta salon table, you can raise your home office to a workspace that reflects both your personal style and attention to detail.Bring all together: choose the perfect space for your marble coffee tableChoosing the perfect space for your Viola Calacatta Marble -Salon table requires a thoughtful consideration of the layout, design style of your house and practical needs. This beautiful piece can raise the appearance of every room, whether it is your living room, bedroom, dining room or home office.Focus on finding a place where the unique vein and polished surface can really shine, while it is also a supplement to the furniture and the interior around it.Think about the size and shape of the table in relation to the room. A larger table works well in open spaces, while a smaller cozy corners fit. Consider the purpose of the room and how the table will be used – whether it is as a statement, functional surface or both.By carefully evaluating your home and style preferences, you can place your Viola Calacatta Marble -Salon table where this elegance, usability and timeless beauty adds to your space.

Beating travel stress with natural remedies for a relaxing journey
Health 2025-12-14 02:09:40

Beating travel stress with natural remedies for a relaxing journey

ContentsInsight into travel stressEssential oils: portable aromatherapyAdaptogenic herbs: Balance under pressureMindful Movement: release physical tensionSleeprest: natural ways to restHydration and Nutrition: Basis for ResilienceCreating your Travel Wellness KitMindset: the ultimate natural remedyThe excitement of travel to new destinations often comes with an unwanted companion: stress. From racing to catching flights and navigating unknown environment to dealing with Jetlag and disturbed routines, travel can take a toll from your mind and body. Although conventional medicines are always an option, many travelers turn to natural remedies to relieve anxiety, promote relaxation and make the journey as pleasant as the destination.Insight into travel stressTravel stress manifests itself differently for everyone. Some people experience physical symptoms such as tension headache, digestive problems or insomnia, while others are confronted with mental challenges such as anxiety, irritability or concentration of difficulty. What makes traveling particularly challenging is that it often strikes when we are the most vulnerable – away from our support systems and comfort zones.“Traveling combines several stressors at the same time,” explains wellness coach Marina Chen. “You have to deal with time pressure, unknown environments, disturbed sleep and often poor food at the same time.”The good news is that with some preparation and natural support strategies you can significantly reduce these effects and actually enjoy the journey itself.Essential oils: portable aromatherapyEssential oils offer powerful stress -relieving properties in very portable packages, making them perfect travel companions.Best stress -reducing essential oils for travelers:Lavender: Soothes the nervous system and promotes sleepPeppermint: Relieve nausea and headache while stimulating energyCitrus oil(especially Bergamot): lifts the mood and reduces anxietyEucalyptus: Clees Sinuses and protects against aviation in the air in busy planes.u0086c9e14f79e5c03ae1ca2c747e9ab3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u0086c9e14f79e5c03ae1ca2c747e9ab3:active, .u0086c9e14f79e5c03ae1ca2c747e9ab3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u0086c9e14f79e5c03ae1ca2c747e9ab3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u0086c9e14f79e5c03ae1ca2c747e9ab3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u0086c9e14f79e5c03ae1ca2c747e9ab3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u0086c9e14f79e5c03ae1ca2c747e9ab3:hover .postTitle { text-decoration: underline!important; } See alsoCombining medical and holistic approaches to alcohol and drug detoxBy wearing a small roll-on blend ensures rapid application to pulse points at stressful moments-as or when your flight is postponed or your luggage does not appear on the carousel. Some travelers prefer to use long -term effects Apollocannabis -Oil oil Under the tongue or a portable apollocannabis dewamer with essential oil lends that are specifically formulated for relaxation or energy if necessary during their journey.Traveling is not just about where you are going, but how you feel on the road. Natural remedies help ensure that your state of mind corresponds to the adventure that lies for us.Adaptogenic herbs: Balance under pressureAdaptogens are unique plants that help your body to resist and recover from different stressors. They are particularly effective for travel because they work by balancing your system instead of force it in one direction or another.Travel -friendly adaptogens include:Ashwagandha: Reduces levels of cortisol (stress hormone) and promotes calmness without sleepinessRhodiola: Fighting against fatigue and improves mental performance during JetlagHoly basil (tulsi): Soothes fear while supporting immune functionGinseng: Increases energy and mental clarity when the fatigue of the journey strikesThese can be considered as capsules, tinctures or even as useful tea bags the size of a trip. Starting adaptogen use a few days before your journey and continuing can help your body maintain balance, despite changing time zones and environments.Mindful Movement: release physical tensionTraveling often means hours in tight spaces, resulting in physical discomfort that increases mental stress. Simple movement practices that can be done anywhere offer immediate lighting.Try these everywhere, everywhere movement practices:Chair Yoga: Simple pieces that you can do even in an airplane seatProgressive muscle relaxation: Systematically tensioning and releasing muscle groupsRunning meditation: Combine mindfulness with movement during a stopoverSimple Qi Gong exercises: Soft flowing movements that balance energy.uaaadf508b999dfe23f572d91633c155a { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uaaadf508b999dfe23f572d91633c155a:active, .uaaadf508b999dfe23f572d91633c155a:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uaaadf508b999dfe23f572d91633c155a { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uaaadf508b999dfe23f572d91633c155a .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uaaadf508b999dfe23f572d91633c155a .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uaaadf508b999dfe23f572d91633c155a:hover .postTitle { text-decoration: underline!important; } See alsoThe art of creating a winning human profile analysis: tips and techniques“The body catches physically,” says physiotherapist Dr. Raj Patel. “Even five minutes Mindful movement can reset your nervous system and release tension before it gets up.”Creating a simple series of pieces that you can do in an airport bathroom, hotel room or even helps to maintain physical comfort during your trip during your trip.Sleeprest: natural ways to restTraveling and sleep disturbance go hand in hand, but good sleep is your strongest ally against stress. Natural sleeping aids can help you adapt to new time zones and unknown sleep environments.Natural sleep supporters for travelers:Magnesium glycinate: A soft mineral supplement that relaxes muscles and supports sleepMelatonin: Helps to reset your internal clock in crossing time zones (start with a low dose)Valerian root: Traditional herbs that promote relaxation before going to sleepCBD products: Many travelers report improved sleep quality with CBD or Apollocannabis oil (check local regulations before traveling with these products)Creating a portable sleep ritual is equally important. Pack items in that sleep in your brain-crushing a lavender eye cushion, cross-sounding earplugs with relaxing sounds, or a well-known smelling travel candle (don’t forget not to let it burn).Hydration and Nutrition: Basis for ResiliencePerhaps the simplest but most overlooked aspect of Travel Wellness is retaining the right hydration and food. Dehydration reinforces stress reactions and worsens Jetlag, while blood sugar fluctuations can cause anxiety and irritability.Take an empty water bottle to fill after security and set memories to drink regularly. Consider bringing natural electrolyte packages with minimal additives to maintain the correct hydration, especially on long flights.For food, focus on:Protein -rich snacks that stabilize blood sugarFoods with lots of magnesium and B vitamins for stress reductionAnti -inflammatory options that prevent the inflammatory effects of travel stressExcess alcohol and caffeine avoid that dehydration and sleeping problems worse.uab4a65a2b3d5534cfe3866c9473f81fd { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uab4a65a2b3d5534cfe3866c9473f81fd:active, .uab4a65a2b3d5534cfe3866c9473f81fd:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uab4a65a2b3d5534cfe3866c9473f81fd { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uab4a65a2b3d5534cfe3866c9473f81fd .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uab4a65a2b3d5534cfe3866c9473f81fd .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uab4a65a2b3d5534cfe3866c9473f81fd:hover .postTitle { text-decoration: underline!important; } See alsoThe EU is postponing new travel permits and fees for non-EU visitors until 2025Creating your Travel Wellness KitAssembling a personalized travel hike kit ensures that you have natural support if you need it the most. A compact kit can be:Essential oil rolls the size of a trip for specific needsAdaptogenic herb capsules or tincturesElectrolyte packages and protein barsSleeprestitems (eye mask, earplugs, melatonin)Apollocannabis oil drops or an evaporator with calming blends for anxiety-inducing situationsPhysical comfort articles such as a tennis ball for massaging tight musclesHerbal bags for relaxation or digestive supportRemember that the best wellness kit is one that you actually use. Start small with remedies that you already know you are working and expand your collection while you discover what helps the most.Mindset: the ultimate natural remedyIn addition to physical remedies, the cultivation of a resilient travel making is perhaps the most powerful natural approach. This includes:Realistic expectations (things will go wrong, and that is part of the adventure)Build in buffer time to reduce time pressurePractice presence instead of hurrying through experiencesView travel challenges as part of the trip, no obstacles for thatBy combining mindset practices with natural remedies for physical symptoms, you create an extensive approach to not only survive travel, but really enjoy the journey itself. After all, the adventures that we remember often include the unexpected detours and challenges that seemed stressful at the moment, but stories we cherished later.The next time you prepare for a journey that packaging natural stress remedies is just as important as packing your passport. Your future traveling self will thank you for the preparation that has transformed a potentially stressful experience into a truly relaxing journey.

Ruben Amorim: Departing manager is called a 'traitor' and 'son of a b***h'
Sports 2025-12-20 18:45:40

Ruben Amorim: Departing manager is called a 'traitor' and 'son of a b***h'

Ruben Amorim has been branded a 'traitor' by a former Sporting official ahead of his move to Manchester United and slammed by fans.Amorim looks set to leave Sporting in the near future to take over at Old Trafford on the back of the sacking of Erik ten Hag on Monday, with United happy to pay his £8.31million release clause. Ruben Amorim has been branded a 'traitor' by a former Sporting official ahead of his move to Manchester United and slammed by fans. Amorim looks set to leave Sporting in the near future to take over at Old Trafford on the back of the sacking of Erik ten Hag on Monday, with United happy to pay his £8.31million release clause. The Portuguese giants released a statement on Tuesday afternoon to the market confirming United's intent to replace Ten Hag with their highly-rated head coach. Mail Sport understands that negotiations remain ongoing. It is thought one issue to be ironed out is over Amorim's start date. United are keen to install him in time for Sunday's visit of Chelsea but there remain a number of obstacles to overcome first. And with the 39-year-old edging ever closer to taking a seat in the Old Trafford dugout, a former Sporting vice-president has slammed the outgoing manager. Speaking on the Bola Branca programme, on Radio Renascenca, Dias Ferreira said: 'It would be a disappointment and a betrayal. If Ruben Amorim left, it would be inconsistent with his speech, it would be a disappointment and a betrayal. 'I still believe that he will not go. Sporting has always satisfied all his demands.' It does however appear that he will go in a move that will bring his four-and-a-half-year stay to an end. There may be some reprieve, however, with United currently locked in talks with Sporting over Amorim's notice period, which Mail Sport has learned is 'a number of weeks'. United fans have been left enthused by the pending appointment given Amorim's success in Portugal and the style of play he could bring, but the feeling from Sporting fans is quite the opposite. 'There is no point in commenting on this topic until we have something official from the club, but anyone who abandons a project halfway through is not a man, he is a rat,' one fan posted on X. 'I hope that the man who spent weeks and weeks making the speeches he did does not run away like a rat. Another added: 'There are many things I tolerate in life, but I can't tolerate traitors, it's simply not part of my values. 'You may have given me the best joys in the world, but if you cheat on me you'll become a son of a b***h that I hate.' Amorim delivered Sporting their first league title in 19 years in the 2020-21 season, and won the league again last season having also improved the side's fortunes in Europe. He previously played for rivals Benfica, and has also been linked with the Liverpool and West Ham jobs in recent months. https://img.allfootballapp.com/www/M00/59/98/720x-/-/-/CgAGVmchJuOAYdcFAACtFcikay0342.jpg The second Sporting fan continued on social media to post of his pending exit: 'Ruben Amorim, who has been saying for some time that he is proud to be Sporting's coach, who has been saying that he wants to win the second championship, is leaving in the middle of a practically perfect season, for me he is a traitor.' Another posted: 'No one wants to rush in before knowing something, but Ruben can't expect anything less than that reaction if that happens. 'He knows perfectly well the fans he has and what they've been through. Leaving now would leave a bitter taste whenever we say his name.'

Top 5 catamaran routes for exploring the Croatian islands
Health 2025-12-30 12:23:13

Top 5 catamaran routes for exploring the Croatian islands

ContentsSplit to HvarDubrovnik to Korcula Split to VisZadar to Dugi OtokRijeka to Cres and LošinjWhy charter a catamaran in Croatia?Yacht charter Croatia is an excellent way to explore the Croatian islands as it offers a combination of speed, comfort and convenience.Croatia is a treasure trove of breathtaking landscapes, charming coastal towns and more than a thousand islands scattered across the sparkling Adriatic Sea. This guide highlights the top five routes for charter catamaran Croatia adventures, offering an unforgettable way to explore the islands.Split to HvarThe route from Split to Hvar is one of the most popular catamaran routes in Croatia. Start your journey in Split and sail to Hvar.Drop anchor in one of the island’s picturesque harbors. Explore the town of Hvar, with its historic fortress and lively promenade, or sail to quieter spots such as Stari Grad, a UNESCO-listed town with timeless charm. If you like a good party, anchor near Carpe Diem Beach Club for an evening of fun.Dubrovnik to KorculaDepart from Dubrovnik and navigate your Luxury catamaran charter in Dubrovnik along the beautiful south coast to the enchanting island of Korčula. This route offers endless opportunities to explore, from the verdant Elaphiti Islands to secluded beaches perfect for snorkeling. Whether you are looking for a relaxing escape or an adventurous day, Boat trips and charters in Dubrovnik Offer the flexibility to tailor your trip.Known for its medieval architecture and rich history, Korčula is ideal for overnight mooring. Stroll the narrow streets of the old town, enjoy wine tasting in the nearby vineyards, or relax on the deck of your catamaran and take in the serene views..u44e2e792a4c60f68bed5cabe25fcb6e3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u44e2e792a4c60f68bed5cabe25fcb6e3:active, .u44e2e792a4c60f68bed5cabe25fcb6e3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u44e2e792a4c60f68bed5cabe25fcb6e3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u44e2e792a4c60f68bed5cabe25fcb6e3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u44e2e792a4c60f68bed5cabe25fcb6e3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u44e2e792a4c60f68bed5cabe25fcb6e3:hover .postTitle { text-decoration: underline!important; } See alsoThe rise of online book communities within e-librariesSplit to VisFor those looking for an adventure off the beaten track, the route from Split to Vis is a must. A charter catamaran gives you the freedom to stop at secluded bays along the way, far from the crowds.Spend your days exploring Komiža, a charming fishing village, or head to the nearby Blue Cave on Biševo Island, where sunlight creates an otherworldly glow. In the evening you can moor your catamaran near quiet beaches or lively waterfront restaurants.Zadar to Dugi OtokCharter a catamaran from Zadar and discover the untouched beauty of Dugi Otok. This route takes you through the beautiful archipelago of Zadar, with opportunities to stop at serene islands such as Iž or Molat.Dugi Otok offers a mix of rugged landscapes and sandy beaches. Anchor near Telašćica Nature Park to walk along cliffs or swim in the saltwater lake Mir. For a relaxing beach day, head to Sakarun Bay, one of Croatia’s most famous sandy beaches.Rijeka to Cres and LošinjExplore the northern Adriatic Sea by chartering a catamaran from Rijeka to Cres and Lošinj. These islands are perfect for travelers who appreciate nature and tranquility. On Cres you can enjoy secluded anchorages near Lubenice or visit the unique freshwater lake of Vrana.Sail to Lošinj, known as the Island of Vitality, and anchor near its peaceful bays. Spend your days watching dolphins, visiting aromatic gardens or exploring quaint fishing villages. The calm waters around these islands make them ideal for swimming, snorkeling and paddle boarding.Why charter a catamaran in Croatia?Chartering a catamaran in Croatia offers unparalleled flexibility and comfort, making it the ideal way to explore the country’s beautiful islands. With a charter you have the freedom to create your own itinerary, allowing you to visit hidden gems that are inaccessible to larger ships or ferries. Catamarans offer luxurious comfort with spacious cabins, ample deck space and modern amenities, ensuring your journey is as enjoyable as the destination..ud824d54d3c8af6423b4f65b4e9f65ac1 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ud824d54d3c8af6423b4f65b4e9f65ac1:active, .ud824d54d3c8af6423b4f65b4e9f65ac1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ud824d54d3c8af6423b4f65b4e9f65ac1 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ud824d54d3c8af6423b4f65b4e9f65ac1 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ud824d54d3c8af6423b4f65b4e9f65ac1 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ud824d54d3c8af6423b4f65b4e9f65ac1:hover .postTitle { text-decoration: underline!important; } See also10 Caribbean islands perfect for summer vacation 2025

11 sensational facts about Budapest that you didn’t know
Health 2025-12-19 16:52:27

11 sensational facts about Budapest that you didn’t know

Contents1. A city of three cities2. 23 Districts: a unique urban carpet3. The language barrier4. The highest building in Budapest5. A legislative miracle: the Hungarian Parliament6. A monumental design7. A UNESCO RIVIERFRONT8. The New York Café: A Piece of History9. Budapest’s many nicknames10. Healing forces: Palinka and Thermal Baden11. The thermal bath capital of the worldBudapest, the capital of Hungary, is a city of breathtaking beauty and rich history. From his dramatic architecture to its intriguing cultural peculiarities, this city offers endless surprises. It is not just a place for tourists; It is a city with a deep soul consisting of fascinating facts that make it one of Europe’s most attractive destinations. Here are 11 sensational facts about Budapest so that you want to explore every angle of this enchanting metropolis.1. A city of three citiesDid you know that Budapest was not always one city? It was formed on November 17, 1873, when three different cities – Pest, Buda and óbuda – were united. Initially, this mix of historical settlements was called for the Buda and quickly developed into one of the most lively and dynamic cities in Europe. Pest was known for its flat, bustling streets, while Buda, with its hills, offered a more quiet and majestic atmosphere. Óbuda, the oldest part, still bears remains of Roman settlements. Together, these three cities have made the Budapest that we know today.2. 23 Districts: a unique urban carpetBudapest is divided into 23 districts, each with its own character, name and number. District I is, for example, the home base of Buda Castle and many medieval streets, while District V is the heart of plague, with the Hungarian Parliament and the bustling Váci Utca Shopping Street. Some districts even have unique nicknames – district VII, for example, is known as the Jewish neighborhood, and district VIII is called the “rejuvenating” part of the city because of the constant revitalization..ud7b5b15fc0a52c97c87f0b07e049ce02 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ud7b5b15fc0a52c97c87f0b07e049ce02:active, .ud7b5b15fc0a52c97c87f0b07e049ce02:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ud7b5b15fc0a52c97c87f0b07e049ce02 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ud7b5b15fc0a52c97c87f0b07e049ce02 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ud7b5b15fc0a52c97c87f0b07e049ce02 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ud7b5b15fc0a52c97c87f0b07e049ce02:hover .postTitle { text-decoration: underline!important; } See alsoAdidas Campus 00s Family Trainers - The perfect Christmas giftIf you are planning a visit, you can easily Book Budapest Accommodations in one of these districts, each offering a different part of city life.3. The language barrierHungarian is the official language in Budapest, and it is notorious because it is difficult to learn, especially for those who are used to Indo-European languages. With its unique alphabet and complicated grammar rules, it can be a challenge for tourists. However, don’t let this scare you. Many locals speak English, and you will find that communication in tourist areas is generally easy. In addition to Hungarian, you may hear languages ​​such as Croatian, Russian, Serbian and even Ukrainian, because Budapest is home to different minority communities.4. The highest building in BudapestThe Budapest skyline may not be as long as some major cities, but it is the home of the tallest building in Hungary. The Mol -Campus, 143 meters, is the headquarters of the Mol Group, a large oil and gas company. This slender, modern building contrasts with the historical and classical architecture that dominates a large part of the city and offers a glimpse of the contemporary side of Budapest.5. A legislative miracle: the Hungarian ParliamentOne of the most iconic buildings in Budapest is the Hungarian Parliament, and it is not just because of the stunning neo-gothic architecture. It is also the third largest legislative building in the world, after the Pentagon in the US and the palace of the Parliament of Romania. With 691 rooms and 365 towers, it is a grand symbol of the Hungarian state, every tower that represents one day of the year. Visitors can follow tours to explore the lush interiors of the building..ub17646f376c4a60bcf3876bfc8470739 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ub17646f376c4a60bcf3876bfc8470739:active, .ub17646f376c4a60bcf3876bfc8470739:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ub17646f376c4a60bcf3876bfc8470739 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ub17646f376c4a60bcf3876bfc8470739 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ub17646f376c4a60bcf3876bfc8470739 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ub17646f376c4a60bcf3876bfc8470739:hover .postTitle { text-decoration: underline!important; } See alsoStimulating business ideas for entrepreneurs with disabilities6. A monumental designThe design of the parliament was selected by a competition to commemorate the Millennium of Hungary in 1896. Designed by Imre Steindl, the Gothic Revival style of the building is proud of the banks of the Danube River. The beautiful facade, with its towers and complicated details, has made it one of the most photographed sights in Budapest.7. A UNESCO RIVIERFRONTThe river front of Budapest is a UNESCO world heritage location and it is easy to see why. The majestic Hungarian parliament, the bastion of the fisherman and the Buda Castle along the banks of the Danube, creating a picturesque and historical panorama. A cruise along the Danube offers a breathtaking view of the city, especially when the sights are beautifully lit at night.8. The New York Café: A Piece of HistoryThe New York Café, founded in 1894, is one of the most beautiful cafés in the world. This Italian café in the Italian Renaissance style is located in the heart of the city and has been an icon for literary figures, artists and musicians through history. The graceful ceiling, lush chandeliers and decadent cakes make it a perfect place to enjoy a little luxury while soaking in the rich history of Budapest.9. Budapest’s many nicknamesBudapest is known under various affectionate nicknames. The “Paris of the East” is one of the most common, because of the elegant boulevards, historic cafés and romantic ambiance. Another popular nickname is the ‘City of Baths’, thanks to the wealth of thermal baths. The unique mix of architecture, culture and thermal water of the city has yielded a reputation as one of the most enchanting cities in Europe..u786a65a775705df834985773fd1832f0 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u786a65a775705df834985773fd1832f0:active, .u786a65a775705df834985773fd1832f0:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u786a65a775705df834985773fd1832f0 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u786a65a775705df834985773fd1832f0 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u786a65a775705df834985773fd1832f0 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u786a65a775705df834985773fd1832f0:hover .postTitle { text-decoration: underline!important; } See alsoBenefits of tanning you didn't know ⋆ BeautyNews10. Healing forces: Palinka and Thermal BadenThe locals of Budapest swear by their thermal baths and traditional drinks, which they believe have healing properties. Palinka, a fruit brandy, is a beloved Hungarian mind that is often consumed during social meetings, thought to heal what helps you. The thermal baths of the city, such as Széchenyi and Gellért, are equally famous for their therapeutic benefits that attract visitors from all over the world to relax and rejuvenate.11. The thermal bath capital of the worldSpeaking of thermal baths, Budapest is often called the ‘thermal bath capital of the world’. The city is more than 118 thermal sources, which pump 70 million liters of thermal water every day. The Romans and Ottomans recognized the healing properties of the water, and centuries later, the Budapest baths are still a central part of daily life and combine wellness with free time in a unique Hungarian way.

Current ARM mortgage rates report for Nov. 6, 2025
Personal Finance 2026-01-09 06:44:07

Current ARM mortgage rates report for Nov. 6, 2025

Homeowners with some tolerance for uncertainty might find that an adjustable-rate mortgage is worth considering as a way to get a low introductory rate before the adjustments kick in. This loan type can be a particularly good choice if you’re aiming to rent out for flip the property, or when you know you intend to move before the loan’s fixed-rate period ends.Keep reading and we’ll explain how ARMs work, consider when an ARM is worth considering as an alternative to a fixed-rate mortgage, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of Nov. 5. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.750%6.000%6.125%APR6.572%6.648%6.739%Interest RateBank of America 7/6 ARM5.750%U.S. Bank 7/6 ARM6.000%Zillow Home Loans 7/6 ARM6.125%APRBank of America 7/6 ARM6.572%U.S. Bank 7/6 ARM6.648%Zillow Home Loans 7/6 ARM6.739%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate mortgages dominate U.S. households, comprising about 92% of all home loans. Unlike adjustable-rate mortgages (ARMs), which allow interest rates to change after an initial period, fixed-rate loans offer consistency throughout their term—which likely explains their popularity.That said, ARMs can be advantageous under specific circumstances. Around 8% of borrowers choose them for their unique benefits.When you might consider an adjustable-rate mortgageThree groups of homebuyers can commonly benefit from considering ARMs:Homeowners who intend to move soon:If you’re confident you’ll be moving in a few years, perhaps because this is a starter home, an ARM may let you enjoy a low introductory rate without worrying about future adjustments.Real estate investors:Landlords buying a property to rent out or house flippers intending to sell a property quickly may use ARMs with the intent of adjusting the monthly rent if interest rates increase or selling before the adjustment period kicks in.Buyers in high-interest environments:During times of elevated interest rates, ARMs can sometimes offer lower rates during the introductory period, and the potential for relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs begin with an introductory fixed rate that often lasts three, five, seven, or 10 years before the loan transitions into its adjustment periods. How much your rate changes during an adjustment period can depend on a variety of factors, including:Benchmarks like SOFR:An ARM’s rate is typically tied to a benchmark, commonly SOFR. This particular benchmark reflects the cost for banks to borrow money overnight. The U.S. Treasury publishes an updated each morning. Margins:Fixed margins are added by lenders on top of the benchmark to determine your ARM rate. These can often range between 2% to 3.5%.Caps:Adjustment caps limit how much rates can increase at specific intervals or over time. You may hear about initial adjustment caps, subsequent caps, and lifetime caps.Common ARM formats include 5/1 (an introductory rate that lasts for five years followed by annual adjustments) and 10/6 (a 10-year intro period followed by adjustments every six months) structures. Other structures on the market include 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageLife happens. Plans change. If it turns out you’re going to be in your starter home longer than expected, and you initially took out an ARM, you might opt to refinance to a fixed-rate loan.First, know you’re not alone. A large chunk of Millennial and Gen Z homeowners can’t afford to upgrade and are continuing on in their starter homesTo refinance from an ARM to a fixed-rate mortgage, the process is more or less the same as refinancing from one fixed-rate loan to another. You’ll shop around with various lenders, provide the application documents necessary to show your credit profile and income meet the lender’s requirements, and you’ll use the new loan to pay your old one off in full. Pros and cons of adjustable-rate mortgagesWork with a trusted loan officer to ensure you’re selecting the best mortgage type for your needs. To get you started, here are some basic factors to consider in evaluating if an ARM is right for you.N/AProsPossibly lower initial rate compared with fixed-rate loans.Potentially easier qualification standards for some borrowers. Chance to save if market conditions improve and rates go down.ConsPayments could spike after adjustments begin.Comparing offers is more complex than with common fixed-rate loans.Homeowners face more unpredictability than with a fixed-rate loan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Emi Martinez and his stunning Wag are BOOED mercilessly at Ballon d’Or ceremony
Sports 2025-12-26 05:27:36

Emi Martinez and his stunning Wag are BOOED mercilessly at Ballon d’Or ceremony

EMI MARTINEZ and his wife were mercilessly BOOED as they arrived at the Ballon d'Or.But the Argentine, 32, had the last laugh as he defended the Yashin Trophy.The pantomime villain is hated by French fans following his antics in the 2022 World Cup final. EMI MARTINEZ and his wife were mercilessly BOOED as they arrived at the Ballon d'Or. But the Argentine, 32, had the last laugh as he defended the Yashin Trophy. https://img.allfootballapp.com/www/M00/59/8A/720x-/-/-/CgAGVmcg3yuAC3FWAAHmjrq76Oo450.jpg The pantomime villain is hated by French fans following his antics in the 2022 World Cup final. Not only did he put in a superb performance and play his genius mind games in the penalty shootout, Martinez riled up the France supporters even more with his provocative celebration with the Golden Glove trophy. However, Martinez was crowned Yachine Trophy winner in 2023 following his World Cup exploits. And on his return to Paris on Monday night, he was given another hostile reception. The Aston Villa stopper, decked out in a black tuxedo, headed down the red carpet holding hands with his glamorous partner Mandinha, who opted for a flowing red number. However, the boos were clear to hear - and neither of them particularly seemed to see the funny side. Martinez did give a brief thumbs-up - but whether that was genuine or a sarcastic response to someone out of shot was uncertain. The couple then posed for photos before heading into the Theatre du Chatelet for the prestigious awards ceremony. And once inside, Martinez was confirmed as the world's best goalkeeper for the second year running after helping Villa into the Champions League and winning the Copa America with Argentina. He pipped the likes of Spain No1 Unai Simon, Real Madrid stopper Andriy Lunin and Gianluigi Donnarumma to become the first goalkeeper to defend the crown. In the overall Ballon d'Or award, Martinez finished 18th in the vote - ahead of Martin Odegaard, Bukayo Saka, Antonio Rudiger, Cole Palmer and others. However, it was Rodri who collected the top men's award after his exploits with Manchester City and helping Spain win Euro 2024. Rodri beat Real Madrid trio Vinicius Junior, Jude Bellingham and Dani Carvajal plus Erling Haaland and home-favourite Kylian Mbappe in the vote. His compatriot Lamine Yamal came eighth but secured the Kopa Trophy for the best young player aged 21 or under. The 17-year-old starred for Spain at the Euros and became the third Spaniard in four years to collect the gong - following Pedri, Gavi and then Bellingham. In the Ballon d'Or Feminin for women's football, it was more success for Spain as Aitana Bonmati collected her second trophy on the bounce. https://img.allfootballapp.com/www/M00/59/8A/720x-/-/-/CgAGVmcg3yqAdPiUAAGoguZeY54587.jpg

How to talk to your partner about healthy social media boundaries
Health 2025-12-18 02:46:50

How to talk to your partner about healthy social media boundaries

ContentsWhy healthy social media boundaries are importantHow to talk to your partner1. Prioritize comfort and fairness2. Find the main pain point3. Respect each other’s privacy4. Discuss your non-negotiables5. Reaffirm your relationship6. Make plans off-screenSet boundaries on social mediaSocial media has a strong influence on people’s behavior and relationships. Some romantic relationships end because of this, but you can save yours by setting healthy boundaries on social media.Why healthy social media boundaries are importantOnline social networks like TikTok, Facebook, Instagram and more are all the rage. There were 5.22 billion social media users in October 2024, which will likely involve many people you know. It is normal for your partner to also use these platforms.Social media is sometimes healthy for your relationship. When you receive a cute cat video from your partner, you know they’re thinking about you even when you’re apart. When they post a photo of you with a heart emoji, it’s like saying to the whole world, “Here’s the love of my life.”However, the tables can turn when someone becomes obsessed with social media. It is estimated that almost 10% of people are clinically addicted to the internet. It’s important to urge your partner to set boundaries on social media to protect their mental health and your relationship.How to talk to your partnerTalking to your partner about healthy boundaries on social media is a big step. Nevertheless, this can result in a healthier and closer relationship.1. Prioritize comfort and fairnessDiscussing the boundaries of social media shines a mirror on you and your partner’s social media use. There are some things you will like and dislike, but know that it is a safe place to share your thoughts and opinions. Remember to be honest while practicing good communication to maintain comfort..uc9cdb4290d97ebc94d4acd8939e8b44c { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uc9cdb4290d97ebc94d4acd8939e8b44c:active, .uc9cdb4290d97ebc94d4acd8939e8b44c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uc9cdb4290d97ebc94d4acd8939e8b44c { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uc9cdb4290d97ebc94d4acd8939e8b44c .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uc9cdb4290d97ebc94d4acd8939e8b44c .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uc9cdb4290d97ebc94d4acd8939e8b44c:hover .postTitle { text-decoration: underline!important; } See alsoThe Art of Healthy Living Christmas Gift Guide 20242. Find the main pain pointYou may notice one important thing about your partner’s use of social media. For example, you may not like how many hours they spend online because it reduces quality time. Bring it up and share your feelings. You can come up with solutions together, such as setting specific time limits and turning off notifications during dates.3. Respect each other’s privacyNo matter how honest couples are, it is important to respect each other’s privacy. About 34% of Americans have watched secretly via their current partner’s mobile phone. If you’re curious, ask them to share and answer any questions they have. Learn to trust each other to make the relationship work in the long run.4. Discuss your non-negotiablesEvery couple will have their own rules. As you set your healthy social media boundaries, talk about your non-negotiables. Here are a few examples of where you can draw the line:Avoiding Oversharing:They may have trouble figuring out what and when to post, so try to mention examples you don’t want to see online. For example, publishing an argument can feel awkward and unpleasant. Also keep sensitive information, such as your shared address and assets, off the internet.Online interaction with other people:Some individuals encourage their partners to join communities and post online. However, anything that is or indicates flirtatious should be off the table. Remember to be open with each other if a particular post or comment of theirs hurts you, and vice versa.Not wanting to participate in trends:Social media trends like dance challenges can be fun. However, the proposal is a joke and over-analysis of relationships could potentially harm your dynamics. Tell them that you don’t want to create this type of content and how it makes you feel..u9d66a7fe9214aa7fd6d088ca76970be9 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u9d66a7fe9214aa7fd6d088ca76970be9:active, .u9d66a7fe9214aa7fd6d088ca76970be9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u9d66a7fe9214aa7fd6d088ca76970be9 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u9d66a7fe9214aa7fd6d088ca76970be9 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u9d66a7fe9214aa7fd6d088ca76970be9 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u9d66a7fe9214aa7fd6d088ca76970be9:hover .postTitle { text-decoration: underline!important; } See also15 Common Stress Dreams (What They Mean & How to Deal With Them)5. Reaffirm your relationshipMany people forget that social media shows the highlights of a person’s life, not the full picture. As a result, those in romantic relationships are vulnerable to jealousy on social mediaespecially young adults. Reaffirm your love for each other and how you don’t have to live up to the grand expectations of the online world.6. Make plans off-screenIt’s tempting to share every date you and your partner have. However, try to make special plans off-screen as well. Organize an outing where you simply enjoy each other’s company. You can still take photos and videos for the memories!Set boundaries on social mediaSocial media is a powerful tool for connecting people, but it can also cause a disconnect within a relationship. Be open and honest with your partner as you establish boundaries, and work together to navigate the gaps.

Aguero blasts 'entitled' RMD for reaction to Vini losing out on the Ballon d'Or
Sports 2025-12-23 14:05:14

Aguero blasts 'entitled' RMD for reaction to Vini losing out on the Ballon d'Or

Sergio Aguero has labelled Real Madrid 'entitled' in a rebuke of the club's reaction to Vinicius Jr missing out on the Ballon d'Or.The Brazilian winger and his club were outraged by the decision to award the prestigious prize to Manchester City and Spain midfielder Rodri and boycotted the Paris ceremony on Tuesday night. Sergio Aguero has labelled Real Madrid 'entitled' in a rebuke of the club's reaction to Vinicius Jr missing out on the Ballon d'Or. The Brazilian winger and his club were outraged by the decision to award the prestigious prize to Manchester City and Spain midfielder Rodri and boycotted the Paris ceremony on Tuesday night. In a statement, the Spanish giants claimed that neither Rodri nor Dani Carvajal winning it proved that UEFA had no respect for the club. This was followed by a report on Wednesday from Vinicius' camp that the 24-year-old believes the snub was down to his vocal opposition to racism. Aguero, who played with Rodri for two seasons at the Etihad, believes his former teammate is a worthy winner of the gong and he slated Madrid for their attitude towards the result. 'Well deserved. Rodri is the best player in the world.' He said on his streaming channel. 'Football is for everyone, not just Real Madrid – they are so entitled.' https://img.allfootballapp.com/www/M00/59/93/720x-/-/-/CgAGVWchBoyAKVDGAAF7mi_AcDQ912.jpg Vinicius was a hot favourite to win the 2024 Ballon d'Or after his epic contribution helped lead Madrid to a LaLiga-UEFA Champions League double. He hit six goals and four assists in ten Champions League appearances and tallied 20 goal involvements in 26 La Liga matches. He broke his silence just minutes after an emotional Rodri picked up the prize on Tuesday night, in recognition for his roles in Spain's Euro 2024 triumph and his club side's fourth consecutive Premier League. 'I'll do it 10x if I have to. They're not ready,' he posted on X, hinting at future successes.' Reuters later reported that this comment was a reference to his fight against racism in recent years. 'The football world is not ready to accept a player who fights against the system.' A member of the Brazilian winger's management staff is quoted by the outlet as saying. Madrid's statement to AFP said: 'If the award criteria doesn't give it to Vinicius as the winner, those same criteria should point to Carvajal as the winner. 'As this was not the case, it is clear that Ballon d'Or-UEFA does not respect Real Madrid. And Real Madrid does not go where it is not respected.' As a result, Manager Carlo Ancelotti was not present to accept his award for best men's coach and there were no representatives to collect the award for the best men’s team.

Current price of gold as of November 4, 2025
Personal Finance 2025-12-30 12:10:26

Current price of gold as of November 4, 2025

Gold was trading at $3,970 per ounce at 9:10 a.m. Eastern Time on November 4, 2025. This is a $44 fall from yesterday at the same hour and over $1,226 higher than a year ago.Gold price per ounce% ChangePrice of gold yesterday$4,014+1.11%Price of gold 1 month ago$3,887-2.09%Price of gold 1 year ago$2,744-30.88%Price of gold yesterdayGold price per ounce$4,014% Change+1.11%Price of gold 1 month agoGold price per ounce$3,887% Change-2.09%Price of gold 1 year agoGold price per ounce$2,744% Change-30.88%For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.What does “spot gold” mean?The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.What is price spread in gold trading?The price spread is the gap between the buying and selling price of an asset.In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.How to invest in goldIf you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Popular ways to invest in gold include:Gold bars and rounds:Also known as bullion, sold by weight, with purity and manufacturer details marked.Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a future date, allowing speculation without handling the metal.Gold funds:Mutual funds or ETFs invested in gold, with values tied to the underlying assets.Is it a good time to invest in gold?Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.Gold remains a stable asset amid market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.Current precious metals pricesas of 9:10 a.m. ET on November 4, 2025Precious MetalPrice per ounceGold$3,970Silver$48Platinum$1,545Palladium$1,410GoldPrice per ounce$3,970SilverPrice per ounce$48PlatinumPrice per ounce$1,545PalladiumPrice per ounce$1,410Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.Is gold a good investment?Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current ARM mortgage rates report for Oct. 30, 2025
Personal Finance 2025-12-21 14:06:44

Current ARM mortgage rates report for Oct. 30, 2025

Homeowners with some tolerance for uncertainty might find that an adjustable-rate mortgage is worth considering as a way to get a low introductory rate before the adjustments kick in. This loan type can be a particularly good choice if you’re aiming to rent out for flip the property, or when you know you intend to move before the loan’s fixed-rate period ends.Keep reading and we’ll explain how ARMs work, consider when an ARM is worth considering as an alternative to a fixed-rate mortgage, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of October 29, 2025. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.625%5.750%6.000%APR6.508%6.520%6.670%Interest RateBank of America 7/6 ARM5.625%U.S. Bank 7/6 ARM5.750%Zillow Home Loans 7/6 ARM6.000%APRBank of America 7/6 ARM6.508%U.S. Bank 7/6 ARM6.520%Zillow Home Loans 7/6 ARM6.670%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate mortgages dominate U.S. households, comprising about 92% of all home loans. Unlike adjustable-rate mortgages (ARMs), which allow interest rates to change after an initial period, fixed-rate loans offer consistency throughout their term—which likely explains their popularity.That said, ARMs can be advantageous under specific circumstances. Around 8% of borrowers choose them for their unique benefits.When you might consider an adjustable-rate mortgageThree groups of homebuyers can commonly benefit from considering ARMs:Homeowners who intend to move soon:If you’re confident you’ll be moving in a few years, perhaps because this is a starter home, an ARM may let you enjoy a low introductory rate without worrying about future adjustments.Real estate investors:Landlords buying a property to rent out or house flippers intending to sell a property quickly may use ARMs with the intent of adjusting the monthly rent if interest rates increase or selling before the adjustment period kicks in.Buyers in high-interest environments:During times of elevated interest rates, ARMs can sometimes offer lower rates during the introductory period, and the potential for relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs begin with an introductory fixed rate that often lasts three, five, seven, or 10 years before the loan transitions into its adjustment periods. How much your rate changes during an adjustment period can depend on a variety of factors, including:Benchmarks like SOFR:An ARM’s rate is typically tied to a benchmark, commonly SOFR. This particular benchmark reflects the cost for banks to borrow money overnight. The U.S. Treasury publishes an updated each morning. Margins:Fixed margins are added by lenders on top of the benchmark to determine your ARM rate. These can often range between 2% to 3.5%.Caps:Adjustment caps limit how much rates can increase at specific intervals or over time. You may hear about initial adjustment caps, subsequent caps, and lifetime caps.Common ARM formats include 5/1 (an introductory rate that lasts for five years followed by annual adjustments) and 10/6 (a 10-year intro period followed by adjustments every six months) structures. Other structures on the market include 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageLife happens. Plans change. If it turns out you’re going to be in your starter home longer than expected, and you initially took out an ARM, you might opt to refinance to a fixed-rate loan.First, know you’re not alone. A large chunk of Millennial and Gen Z homeowners can’t afford to upgrade and are continuing on in their starter homesTo refinance from an ARM to a fixed-rate mortgage, the process is more or less the same as refinancing from one fixed-rate loan to another. You’ll shop around with various lenders, provide the application documents necessary to show your credit profile and income meet the lender’s requirements, and you’ll use the new loan to pay your old one off in full. Pros and cons of adjustable-rate mortgagesWork with a trusted loan officer to ensure you’re selecting the best mortgage type for your needs. To get you started, here are some basic factors to consider in evaluating if an ARM is right for you.N/AProsPossibly lower initial rate compared with fixed-rate loans.Potentially easier qualification standards for some borrowers. Chance to save if market conditions improve and rates go down.ConsPayments could spike after adjustments begin.Comparing offers is more complex than with common fixed-rate loans.Homeowners face more unpredictability than with a fixed-rate loan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Where does Erik ten Hag rank among Man United managers since Sir Alex Ferguson?
Sports 2025-12-27 09:20:14

Where does Erik ten Hag rank among Man United managers since Sir Alex Ferguson?

Erik ten Hag was given his marching orders earlier this week after two and a half years in charge at Old Trafford, paying the price for Man United's dismal start to the 2024-2025 Premier League campaign. Erik ten Hag was given his marching orders earlier this week after two and a half years in charge at Old Trafford, paying the price for Man United's dismal start to the 2024-2025 Premier League campaign. It was United's 2-1 defeat to West Ham United on Sunday afternoon the proved to be the final nail in the coffin for the 54-year-old, who was sacked by CEO Omar Berrada and sporting director Dan Ashworth on Monday. Ten Hag's departure will see Ruud van Nistelrooy take charge of the Red Devils - who sit 14th in the Premier League table - on a temporary basis until Ruben Amorim reportedly steps into the managerial role. But, was the Dutchman's tenure at the club all doom and gloom? Mail Sport take a look at some of Ten Hag's highs and lows since being appointed at United manager in the summer of 2022. LOWS Brentford 4-0 Man United, August 2022 After losing to Brighton in their season opener, Man United aimed to reset against Brentford, only to face a devastating 4-0 loss by halftime with goals from Brentford's Josh Dasilva, Mathias Jensen, Ben Mee and Bryan Mbeumo. This performance left United at the bottom of the Premier League, sparking widespread criticism. The devastating defeat also saw Ten Hag become the first Manchester United manager since John Chapman in 1921 to lose his first two games in charge. In a symbolic act, Ten Hag joined the team by running 14km in training the next day. It was said to be the distance Brentford had outrun the Manchester United team during the game. Liverpool 7-0 Man United, March 2023 This defeat at Anfield remains a bitter memory for Man United supporters. Despite entering with a comfortable 10 point lead over Liverpool in the league standings and having won their previous meeting, United were humiliated in a 7-0 thrashing. The disappointing loss marked the club's heaviest loss to Liverpool in history. It's safe to say it wasn't just a defeat; the game highlighted gaps in United's defense and resilience that Ten Hag struggled to close. Crystal Palace 4-0 Man United, May 2024 Ten Hag's second season in charge ended with United finishing eighth in the Premier League, their worst position since 1989-90, which cemented doubts about the team's direction. The 4-0 defeat at Selhurst Park emphasised United's lack of consistency, leaving fans questioning both the squad and management. The loss represented the missed opportunities and frustrations that had defined much of Ten Hag's later tenure. It also highlight the fact United were being undone by teams that were sharper, fitter and more organised than Ten Hag's side. A problem that had to be solved... and solved quickly. HIGHS Man United 2-0 Newcastle, February 2023 Ten Hag did enjoy moments of success at United. Although brief, they were poignant to his career at Old Trafford. The Dutchman delivered United's first trophy since 2017 with a Carabao Cup victory over Newcastle. Goals from Casemiro and Rashford (deflected off Sven Botman) were enough to secure a 2-0 win. Though not a classic final, it was a significant milestone for the club. The result also saw Ten Hag become the eighth Manchester United manager to win a major trophy following Ernest Mangall, Sir Matt Busby, Tommy Docherty, Ron Atkinson, Sir Alex Ferguson, Louis van Gaal and Jose Mourinho. Man United 2-1 Barcelona, February 2023 Say what you want about Barcelona over the last couple of years, but United did well to get one over on the LaLiga giants in February 2023. The Catalans were on course to secure another Spanish title at the time of their clash with United. But, the Red Devils - despite dropping out of the Champions League into the Europa Leauge - pulled out one of their best performances on the European stage to go through 4-3 on aggregate. Man United 2-1 Man City, May 2024 One of Ten Hag's most celebrated victories came in the FA Cup final, where United overcame rivals Manchester City. Goals from young talents Alejandro Garnacho and Kobbie Mainoo underscored the promise of United's emerging generation, while the tactical outmanoeuvring of Pep Guardiola symbolised one of the Dutchman's best managerial moments. This FA Cup win, especially against Man City, was a high point fans savoured deeply. As one of them, watching it in a pub that was half red and half blue, I will never forget it. How does Ten Hag rank as United manager? Before his recent departure, Erik ten Hag's tenure at Manchester United positioned him as one of the more successful post-Ferguson managers. With a win rate of 56.25 per cent across competitions, he ranked second among recent United managers, following only Jose Mourinho's 58.3 per cent. Ten Hag and Mourinho stand out as two of only three managers in the last decade to secure trophies for United, alongside Louis van Gaal, who left with an FA Cup victory in 2016 but held a lower win rate of 52.4 per cent. Ole Gunnar Solskjaer's three-year spell achieved top-four finishes and a second-place league finish, though he did not win silverware. Meanwhile, Ralf Rangnick's brief interim role stands as the least successful, prompting the club to pivot from initial long-term plans involving him. Ten Hag's time may have been mixed, but his trophy win and win percentage placed him near the top among United's modern managers.

Jose Mourinho jokingly names his ideal club to manage in England
Sports 2025-12-15 11:11:04

Jose Mourinho jokingly names his ideal club to manage in England

Former Chelsea, Manchester United and Tottenham Hotspur manager Jose Mourinho has admitted that he wishes to work in England again before he retires.The 61-year-old is currently in charge of Fenerbahce in Turkey and his team played out a 1-1 draw with former club United in the UEFA Europa League last week. Former Chelsea, Manchester United and Tottenham Hotspur manager Jose Mourinho has admitted that he wishes to work in England again before he retires. The 61-year-old is currently in charge of Fenerbahce in Turkey and his team played out a 1-1 draw with former club United in the UEFA Europa League last week. Mourinho was sent to the stands in the second half of that match after being shown a red card for his reaction to Fenerbahce unsuccessfully appealing for a penalty kick. Speaking in a post-game press conference, Mourinho reacted to his dismissal by suggesting that he might like his next job to be with an English club that does not play in a UEFA competition - so that he can swerve UEFA officials. However, in an interview with Sky Sports on Tuesday, Mourinho clarified: 'I made a joke. I'm never going to a team fighting relegation. I will never go.' Explaining why he had said that he would like to manage an English team 'from the bottom of the table', Mourinho added: 'I get upset, and I'm not in the period of my career to get upset. I'm in the period of my career to be happy all the time and at this moment playing in European competitions, I am getting upset all the time. 'But I'm not going to fight relegation. It's too hard! Honestly, I believe that has to be the hardest thing. It's more difficult than playing for titles. It has to be very hard emotionally, because it's something that changes lives. I think it's brave guys that do it.' Mourinho then cracked another joke as he told Sky Sports reporter Gary Cotterill: 'Millwall. Millwall. I just cross the bridge from my house. Millwall!' Millwall's New Den stadium may be geographically close to Mourinho's London home, but the Lions are far below his usual level in terms of stature - having never competed in the Premier League. But while a move to Millwall is not seriously on the cards, Mourinho made it clear that he would love to return to England before his managerial career is over. He concluded: 'I had three clubs in England, so four different periods I've coached in England, and I love it. And by the social point of view, I've been lucky enough to live in so many cities, but my family lives in London. 'London is home, so one day I have to be back, unless no one wants me. But one day I would like to go back. 'But don't get me wrong, and let's make it very very clear, for the next two years, this season and next, no one will take me from Fenerbahce.'

The wellness benefits of skiing
Health 2025-12-31 18:56:59

The wellness benefits of skiing

ContentsImproves cardiovascular healthStrengthens muscles and improves core stabilityBoosts mental healthImproves flexibility and coordinationEncourages social connection and relaxationDuring the winter, thousands of British ski enthusiasts, of all levels, will flock to the Alps in search of slopes, powder snow and a range of après-ski activities. Skiing is a pastime that has been enjoyed for generations – and it has a number of benefits. Like any other form of exercise, skiing is great for the body and mind. Let’s take a look at some of the wellness benefits of skiing.Improves cardiovascular healthIf you want to maintain control of your descent, you’ll have to put in a little effort. Depending on the slope you go, you increase your heart rate. This improves your circulation and keeps your heart in excellent condition. Because you work at a high altitude, the load on your body will be slightly heavier. The cardiovascular benefits are therefore slightly greater.Strengthens muscles and improves core stabilityTo keep yourself stable as you descend, you need to keep your core muscles engaged, as well as those of your quads, glutes, and calves. This constant stabilization work, as well as the effort of actually turning the skis as you slalom each downhill, can be a great way to build your overall muscle strength and endurance. The workout hits so many muscle groups that it’s also perfect for preventing muscle injuries – but for best results, make sure your muscles are in reasonable shape before you go on holiday.Boosts mental healthThe great thing about this form of exercise is that it takes place outside. Not only that, but it necessarily takes place far away from major city centers and transport hubs. This means that the air is as clean and fresh as possible. Moreover, you will find beautiful, inspiring mountain landscapes all around you – and in many cases a lot of forest. This is especially the case in certain resorts. Holidays in France such as Avoriaza ski holiday offers exactly the desired feeling of seclusion..u35685ffc70db5005fdab047ade0fe055 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u35685ffc70db5005fdab047ade0fe055:active, .u35685ffc70db5005fdab047ade0fe055:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u35685ffc70db5005fdab047ade0fe055 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u35685ffc70db5005fdab047ade0fe055 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u35685ffc70db5005fdab047ade0fe055 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u35685ffc70db5005fdab047ade0fe055:hover .postTitle { text-decoration: underline!important; } See alsoThe 4 Benefits of Anterior Dental Implants for a Better Smile and BiteYou will often find that you reach a state of perfect relaxation while descending. Just like a long walk through nature, a good ski trip can improve your mood, improve your concentration and reduce your stress levels. In other words, it’s a perfect antidote to the winter blues.Improves flexibility and coordinationSkiing also has the benefit of improving coordination and flexibility. You will constantly have to respond to new situations, because no two descents are completely the same. Over time, you’ll improve your motor skills and your general sense of where your body is in space. These skills are critical to preventing injuries as you get older – just like the fact that skiing leads to stronger bones (despite the fact that there is a risk of them breaking).Encourages social connection and relaxationFinally, it is worth highlighting both the social and well-being benefits of skiing. If you go out with a group of people, you can encourage each other and share tips on how to tackle a particular slope. You can also connect with each other during some après-ski activities!

Arsenal reject ambitious transfer offer for Jesus: 'The subject is closed'
Sports 2026-01-06 20:06:33

Arsenal reject ambitious transfer offer for Jesus: 'The subject is closed'

Arsenal have rejected an approach from Brazilian side Palmeiras for Gabriel Jesus.Jesus is yet to score in 11 appearances for the Gunners this season and has completed 90 minutes just once. He has fallen behind Kai Havertz in the pecking order and has been relegated to a role as a late substitute in the Premier League. But Mikel Arteta considers the struggling striker an important part of his squad. Arsenal have rejected an approach from Brazilian side Palmeiras for Gabriel Jesus. Jesus is yet to score in 11 appearances for the Gunners this season and has completed 90 minutes just once. He has fallen behind Kai Havertz in the pecking order and has been relegated to a role as a late substitute in the Premier League. But Mikel Arteta considers the struggling striker an important part of his squad. There has been plenty of speculation about his future, with reports from Brazil suggesting that Arsenal could be tempted to sell in January if their valuation - claimed to be in the region of £33.4m - is met. Jesus is under contract with Arsenal until June 2027 and appears keen to stay and fight for his place as the team challenge for the Premier League title. It seems that the feeling between club and player is mutual, judging by comments from Palmeiras president Leila Pereira, who had been keen to bring Jesus back to the club where he started his career in 2015. “Gabriel Jesus is not coming,” Pereira told ESPN. “We got in touch with Arsenal, and they said ‘Leila, there are no conditions whatsoever. We are not going to negotiate on the player.’ "The subject is closed.” Jesus came through Palmeiras’ youth ranks and spent two years playing for the Sao Paulo club before earning a move to Manchester City in 2017. He won four Premier League titles, the FA Cup and three Carabao Cups with City before Arsenal shelled out £45m to sign him in the summer of 2022. The Brazilian striker had a promising debut campaign, but netted just eight times in 2023/24 and an injury in pre-season derailed his start to the current season. The only time he has completed 90 minutes came in a 5-1 thrashing of Bolton in the Carabao Cup, but more opportunities should be on the horizon, with a trip to Preston coming on Wednesday in the same competition. "He came on in a great shape, probably in the best condition he's been with us," Arteta explained earlier this month. "He was flying in pre-season and unfortunately he got that injury straight away that affected him for a few weeks. "He put again a lot of work into it to come back and now he needs to get the rhythm. He's playing a few games, he's started two games in a row vs Atalanta and Bolton, he's come on against Southampton. "So yeah, he's there. Now he needs to earn the right to play more. He's got our full support, he's a player that can play in various positions and he's a really important player for us."

Man Utd players 'felt Ten Hag took punishment of Ronaldo and Sancho TOO FAR'
Sports 2025-12-16 19:05:01

Man Utd players 'felt Ten Hag took punishment of Ronaldo and Sancho TOO FAR'

Senior Manchester United players felt Erik ten Hag went too far with his punishments for Cristiano Ronaldo and Jadon Sancho, according to reports.Ten Hag was sacked by United on Monday after a little over two years at the club following a dismal start to the season. Senior Manchester United players felt Erik ten Hag went too far with his punishments for Cristiano Ronaldo and Jadon Sancho, according to reports. Ten Hag was sacked by United on Monday after a little over two years at the club following a dismal start to the season. His time at Old Trafford was littered with disagreements with players, including Ronaldo when he was just months into his new job. Ten Hag and Ronaldo fell out in October 2022 when the Portuguese superstar refused to come on as a late substitute against Tottenham. Ronaldo was banished from first team training in a move that was initially supported by the United squad. However, things turned when Ronaldo was prevented from getting back into the dressing room to retrieve a pair of trainers and had to get an academy player to pick them up for him, with some senior stars believing the outright ban on using first team facilities amounted to an 'unnecessary humiliation', as reported by ESPN. Just days later, Ronaldo conducted a bombshell interview with Piers Morgan where he accused Ten Hag of disrespecting him. Ronaldo's United contract was subsequently terminated by mutual consent as he left the club for the second time to join Saudi Arabian outfit Al-Nassr. But that was not the only public fall-out that involved Ten Hag during his time at United. The following season, Ten Hag had a bust-up with Sancho after leaving the winger out of his squad for a 3-1 defeat by Arsenal due to his 'performance in training'. Sancho hit back on social media, accusing his manager of making him a 'scapegoat', and Ten Hag responded by exiling the England international from his squad. Sancho was forced to train, eat and change on his own, and refused to apologise to Ten Hag despite encouragement from his team-mates to do so. As the stalemate continued, it is understood that some players felt Ten Hag was being too harsh on Sancho, and that ordering him to apologise in public was an unnecessary demand. With no olive branch in sight, Sancho was loaned out to former club Borussia Dortmund in January 2024 for the rest of the season. He flourished on his return to Germany, helping Dortmund reach the Champions League final as he delivered a man of the match display in their semi final first leg victory over PSG. Following that performance, ESPN states United representatives reached out to high-profile pundits to tell them to stop talking so positively about Sancho as it would put United in a bad light. Sancho returned to Carrington in the summer, and with no club willing to match United's asking price for the 24-year-old he was brought back into the first team squad after reaching a truce with Ten Hag. Ten Hag was not comfortable with bringing Sancho back into the fold, though, as he wondered whether his authority would be questioned, and this led to Sancho being loaned out to Chelsea on deadline day in August. Chelsea will have an obligation to buy Sancho for £23m next summer, which represents a £50m loss for United after they bought him for £73m in 2021. Sancho has also started well at Chelsea, registering three assists in his first five league appearances, while Ten Hag is now back in the Netherlands after being put out of his misery at United.

The ultimate guide for maintaining your health through a divorce
Health 2026-01-02 22:26:27

The ultimate guide for maintaining your health through a divorce

ContentsCall in your routineDo more of what you loveKeep movingPut yourselfBring your health in balance with parenthoodLean on your support systemDon’t sleepFocus on what you can controlPreparation for your new beginningDivorce can be emotional, mental and physically burdensome. While navigating through such a life -changing process, it is easy to prioritize prioritizing your health. However, maintaining your well -being during this challenging time is crucial to get through with resilience. Here is the ultimate guide to stay healthy while you continue.Call in your routineA divorce can shake your daily life on more than one, and although this can feel like chaos, it is also an opportunity to renew your routine. If you are stuck in a rut, this might be the perfect time to try something new. Consider trying out a training lesson or to pick up a new hobby.Small changes can create a sense of excitement and novelty, so that you can break the monotony and give you a renewed sense of control. Even something simple as rearranging your furniture or starting your day with a new morning ritual can make a big difference in how you feel.Do more of what you loveWhether it is about painting, reading, walking or cooking, make time for activities that cause joy and fulfillment. Divorce can encourage you to rediscover who you are outside of your relationship, and one of the most rewarding ways to do this is to re -connection with the things that make you happiest..uff785c230d15b543e787353e106cb4c1 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uff785c230d15b543e787353e106cb4c1:active, .uff785c230d15b543e787353e106cb4c1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uff785c230d15b543e787353e106cb4c1 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uff785c230d15b543e787353e106cb4c1 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uff785c230d15b543e787353e106cb4c1 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uff785c230d15b543e787353e106cb4c1:hover .postTitle { text-decoration: underline!important; } See alsoCan massage improve your sex life?These moments of pleasure are essential for healing and reminding yourself of the passions that are unique. When life feels insecure, it is possible to involve clarity, peace and even a sense of satisfaction that increases your overall well -being.Keep movingCan be exercise A powerful stress lighter and mood booster. Start small – take a sturdy walk, try a yoga session or follow a quick video online. You don’t have to commit to a complete routine to feel the benefits.If you prefer social interaction, group fitness lessons can be a great way to move your body while making contact with others. The feeling of satisfaction that you get by staying active helps you to feel more under control during another unpredictable time.Put yourselfDivorce stress can disrupt your appetite – or you notice that you skip meals or crave comfort food. Try to eat regularly and choose dishes that feed your body and mind. Foods such as fish rich in omega-3s can support the health of the brainWhile yogurt helps to balance your intestinal microbioma, what can help your fear.Balance is the key and comfort food is still well in moderation. A bowl of ice now and then will not hurt, especially if you go through the movements.Bring your health in balance with parenthoodIf you have young children, the challenges to keep your health during a divorce can still feel overwhelming. You may drive on your own emotional roller coaster while you support your little ones through their own feelings of sadness, confusion or anger..u58e1abea8d5c74547ce9f24596ba2bce { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u58e1abea8d5c74547ce9f24596ba2bce:active, .u58e1abea8d5c74547ce9f24596ba2bce:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u58e1abea8d5c74547ce9f24596ba2bce { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u58e1abea8d5c74547ce9f24596ba2bce .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u58e1abea8d5c74547ce9f24596ba2bce .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u58e1abea8d5c74547ce9f24596ba2bce:hover .postTitle { text-decoration: underline!important; } See alsoTechniques for deep rest and relaxationFor children under the age of 18 months, verbal statements of what is happening will not register in a way that brings comfort. At this age, physically soothing and hugging can offer emotional safety They need it. Knowing that they feel safe in your arms, can relieve your own mind during an uncertain time.For older children you can give suitable explanations about changes in the family for age. Although this does not make the situation easy, it can help you understand what is happening to process their feelings.Lean on your support systemYou don’t have to go through difficult times alone. Contact trusted friends, family members or support groups. To surround yourself with people who care, you can help you feel less isolated and more grounded.Be honest with you about how they can support you. Maybe it helps to take care of your little ones, to do the shopping or just be a listening ear. People who care about you want to help – you just have to let them know how.Don’t sleepSleep often becomes a victim during stressful times, but it is one of the most critical factors for your well -being. An organized and junk -free space is conducive to a quiet environment, so that your mind can relax and relax your body. Keep your bedroom a stress-free zone and do not browse e-mails or social media before bedtime.If racing thoughts wake you up, try to write them down in a notebook to free your mind for peace. Create a relaxing routine before bedtime, such as reading or listening to music before you strike for the night. Sleep is the time of your body to repair and reset, so getting enough of it will make you better rested to take on all the challenges that the day entails..u0d420ab0d73e0c341565407838c5e7d3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u0d420ab0d73e0c341565407838c5e7d3:active, .u0d420ab0d73e0c341565407838c5e7d3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u0d420ab0d73e0c341565407838c5e7d3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u0d420ab0d73e0c341565407838c5e7d3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u0d420ab0d73e0c341565407838c5e7d3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u0d420ab0d73e0c341565407838c5e7d3:hover .postTitle { text-decoration: underline!important; } See alsoTalking to your older relative about mobility aidsFocus on what you can controlDuring a divorce it is easy to fix what you have lost or what you feel control. Move your focus to the things you can manage-out routine, self-care practices and future goals.Set small, feasible goals for yourself, such as organizing your living space, learning something new or just enduring the day. Performing even one important task can offer much needed stability.Preparation for your new beginningDivorce is undoubtedly one of the most challenging transitions of life, but it can also be a time of growth and innovation. You can thrive in the next chapter of your life by giving priority to your health.Remember – Healing takes time. Be patient with yourself and lean in the support systems and practices that work for you.

You can get up to 5.00% APY on the best high-yield savings account on Nov. 5, 2025
Personal Finance 2025-12-25 13:06:39

You can get up to 5.00% APY on the best high-yield savings account on Nov. 5, 2025

Now’s a great time to open up a new savings account to reach your financial goals. Many of the best savings account rates on the market are above 4.00%, and a few outliers may even reach close to 5.00%.Rising inflation and economic uncertainty prompted the Federal Reserve to pause further rate cuts over the past several months. But that changed at the central bank’s Sept. 16-17 meeting, when the Fed cut the federal funds rate by a quarter percentage point. Then, the Fed followed up with another cut at the end of October.Savings account APYs remained relatively stable in the first part of 2025, but are likely to decrease if markets anticipate additional Fed rate cuts. And, with a Fed meeting on the calendar for December, an additional cut is still possible this year.For investors who want to maximize their returns or save for a new financial goal,Fortunehas collaborated with Curinos, a team of financial industry experts, to provide an overview of the most competitive high-yield savings account rates available on November 5, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Quontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesDCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. 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} #TYxYqMxRpIbqiISM .top-section-right { margin-left: 5px; } #TYxYqMxRpIbqiISM .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #TYxYqMxRpIbqiISM .ad-copy { margin-left: 24px; } #TYxYqMxRpIbqiISM .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #TYxYqMxRpIbqiISM .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #TYxYqMxRpIbqiISM .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #TYxYqMxRpIbqiISM .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #TYxYqMxRpIbqiISM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #TYxYqMxRpIbqiISM .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #TYxYqMxRpIbqiISM .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #TYxYqMxRpIbqiISM .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #TYxYqMxRpIbqiISM .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #TYxYqMxRpIbqiISM .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #TYxYqMxRpIbqiISM .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #TYxYqMxRpIbqiISM .disclosure-contnr { text-align: center; } #TYxYqMxRpIbqiISM .listing-header-cntnr { margin-top: 34px; } #TYxYqMxRpIbqiISM .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #TYxYqMxRpIbqiISM .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #TYxYqMxRpIbqiISM .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #TYxYqMxRpIbqiISM .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #TYxYqMxRpIbqiISM .apy-label { font: normal normal 900 24px / 28px Roboto; } #TYxYqMxRpIbqiISM .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #TYxYqMxRpIbqiISM .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #TYxYqMxRpIbqiISM .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #TYxYqMxRpIbqiISM .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #TYxYqMxRpIbqiISM .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #TYxYqMxRpIbqiISM .additional-content { margin-top: 0px !important; } #TYxYqMxRpIbqiISM .additional-content ul li { margin-bottom: 0; } #TYxYqMxRpIbqiISM .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #TYxYqMxRpIbqiISM .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #TYxYqMxRpIbqiISM .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #TYxYqMxRpIbqiISM .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #TYxYqMxRpIbqiISM .shArrow { width: 12px; height: 7px; } #TYxYqMxRpIbqiISM span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #TYxYqMxRpIbqiISM .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #TYxYqMxRpIbqiISM .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #TYxYqMxRpIbqiISM #see_more_carrier, #TYxYqMxRpIbqiISM .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #TYxYqMxRpIbqiISM .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #TYxYqMxRpIbqiISM .apy-label p { margin-top: 0px; margin-bottom: 0px; } #TYxYqMxRpIbqiISM .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #TYxYqMxRpIbqiISM { padding: 0 26px; } #TYxYqMxRpIbqiISM .logo-image-wrapper { width: 136px; } #TYxYqMxRpIbqiISM .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYxYqMxRpIbqiISM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYxYqMxRpIbqiISM .prop-value-container .apy-container { flex: 0 0 44%; } #TYxYqMxRpIbqiISM .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYxYqMxRpIbqiISM .ad-copy-top-section { margin-bottom: 15px; } #TYxYqMxRpIbqiISM .sh-row-product-title { max-width: 136px; } #TYxYqMxRpIbqiISM .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #TYxYqMxRpIbqiISM .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #TYxYqMxRpIbqiISM .logo-image-wrapper { width: 100%; max-width: 292px; } #TYxYqMxRpIbqiISM .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #TYxYqMxRpIbqiISM .ad-copy { margin-left: 0; } #TYxYqMxRpIbqiISM .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #TYxYqMxRpIbqiISM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #TYxYqMxRpIbqiISM .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #TYxYqMxRpIbqiISM .see-more-text { padding: 16px 15px; } #TYxYqMxRpIbqiISM .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #TYxYqMxRpIbqiISM .top-section-right { margin-left: 0px; } #TYxYqMxRpIbqiISM .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #TYxYqMxRpIbqiISM.sizeone .header-section { padding: 6px 10px; } } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .row-1 { padding-left: 14px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .listing-title, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .shmktpl-button, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .prop-value-container .apy-container, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .prop-value-container .mfee-container, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .prop-value-container .mfee-container #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .prop-value-container .minvalue-container, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .sh-row-product-title, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .disclosure-content ul li, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box750.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box800.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box850.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box900.device-desktop .ad-copy-top-section, #TYxYqMxRpIbqiISM.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #TYxYqMxRpIbqiISM.sh-box650.device-desktop .row-1, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .row-1 , #TYxYqMxRpIbqiISM.sh-box650.device-desktop .row-2, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .row-2 , #TYxYqMxRpIbqiISM.sh-box500.device-desktop .row-1, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .row-1 , #TYxYqMxRpIbqiISM.sh-box500.device-desktop .row-2, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .row-2{ display: unset; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .ad-copy, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .apy-label, #TYxYqMxRpIbqiISM.sh-box650.device-desktop .prop-value, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .prop-value, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .prop-value, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box700.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box550.device-desktop .logo-image-wrapper, #TYxYqMxRpIbqiISM.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #TYxYqMxRpIbqiISM.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#TYxYqMxRpIbqiISM.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#TYxYqMxRpIbqiISM.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#TYxYqMxRpIbqiISM.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #TYxYqMxRpIbqiISM .shmktpl-title, #TYxYqMxRpIbqiISM .sub-heading-container, #TYxYqMxRpIbqiISM .filter-check-options-cntnr, #TYxYqMxRpIbqiISM .listing-header-cntnr { display: none; } #TYxYqMxRpIbqiISM.title .shmktpl-title, #TYxYqMxRpIbqiISM.subHeading .sub-heading-container, #TYxYqMxRpIbqiISM.multiSelectFilter .filter-check-options-cntnr, #TYxYqMxRpIbqiISM.resultsText .listing-header-cntnr { display: flex; } #TYxYqMxRpIbqiISM.sizeone .add-overlay-content { width: 62%; height: auto; } #TYxYqMxRpIbqiISM.sizeone .disclosure-title { padding: 6px 0px; } #TYxYqMxRpIbqiISM.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #TYxYqMxRpIbqiISM .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #TYxYqMxRpIbqiISM.sizeone .title-container { margin-top: 0; } #TYxYqMxRpIbqiISM.sizeone .non_featured_list { margin-top: 0; } #TYxYqMxRpIbqiISM.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #TYxYqMxRpIbqiISM.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #TYxYqMxRpIbqiISM .item { flex: 1 1 calc(50% - 48px); } #TYxYqMxRpIbqiISM .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #TYxYqMxRpIbqiISM .item:nth-of-type(4n+3), #TYxYqMxRpIbqiISM .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #TYxYqMxRpIbqiISM .item:nth-of-type(4n+1), #TYxYqMxRpIbqiISM .item:nth-of-type(4n+1) + * { background-color: #fff; } #TYxYqMxRpIbqiISM .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #TYxYqMxRpIbqiISM .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #TYxYqMxRpIbqiISM .desktop, #TYxYqMxRpIbqiISM .desktop-inline { display: none; } #TYxYqMxRpIbqiISM .mobile { display: block !important; } #TYxYqMxRpIbqiISM { padding: 0 18px; } #TYxYqMxRpIbqiISM .shmktpl-title { font-size: 24px; line-height: 29px; } #TYxYqMxRpIbqiISM .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #TYxYqMxRpIbqiISM .add-overlay-content { width: 80%; height: auto; } #TYxYqMxRpIbqiISM .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #TYxYqMxRpIbqiISM .row-1 { flex-flow: column; padding: 16px; } #TYxYqMxRpIbqiISM .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #TYxYqMxRpIbqiISM .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #TYxYqMxRpIbqiISM .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #TYxYqMxRpIbqiISM .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #TYxYqMxRpIbqiISM .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #TYxYqMxRpIbqiISM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #TYxYqMxRpIbqiISM .prop-value { margin-top: 0; } #TYxYqMxRpIbqiISM .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #TYxYqMxRpIbqiISM .non_featured_list { margin-top: 18px; } #TYxYqMxRpIbqiISM .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #TYxYqMxRpIbqiISM .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #TYxYqMxRpIbqiISM .item:nth-child(3n), #TYxYqMxRpIbqiISM .desktop-bg { background: none; } #TYxYqMxRpIbqiISM .prod-desc-popup-content { padding: 0; } #TYxYqMxRpIbqiISM .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #TYxYqMxRpIbqiISM .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #TYxYqMxRpIbqiISM .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #TYxYqMxRpIbqiISM .disclosure-content ul { padding-left: 14px; line-height: 28px; } #TYxYqMxRpIbqiISM .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #TYxYqMxRpIbqiISM .additional-features { flex: 0 0 100%; } #TYxYqMxRpIbqiISM .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #TYxYqMxRpIbqiISM.sizeone .listing-header-cntnr { display: none; } #TYxYqMxRpIbqiISM.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #TYxYqMxRpIbqiISM .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #TYxYqMxRpIbqiISM .prod-desc-popup-content { position: fixed; } } #TYxYqMxRpIbqiISM.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #TYxYqMxRpIbqiISM.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #TYxYqMxRpIbqiISM.listingAlignment .logo-image-wrapper img { width: 100%; } #TYxYqMxRpIbqiISM.listingAlignment { padding: 0px; } #TYxYqMxRpIbqiISM.listingAlignment .listing-title { font-size: 14px; } #TYxYqMxRpIbqiISM.listingAlignment .listing-title span { font-size: 14px; } #TYxYqMxRpIbqiISM.listingAlignment .row-1 { padding: 26px 10px; } #TYxYqMxRpIbqiISM.listingAlignment .prop-name { font-size: 10px; } #TYxYqMxRpIbqiISM.listingAlignment .prop-value { font-size: 14px } #TYxYqMxRpIbqiISM.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #TYxYqMxRpIbqiISM.listingAlignment .logo-column.flex-container { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .prop-conatiner { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .ad-copy-column.flex-container { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .cta-column.flex-container { flex: unset; } #TYxYqMxRpIbqiISM.listingAlignment .disclosure-content ul li::before { content: unset; } #TYxYqMxRpIbqiISM.listingAlignment .disclosure-content ul li { list-style: disc; } } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #TYxYqMxRpIbqiISM.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #TYxYqMxRpIbqiISM.ctaAlignment .cta-column.flex-container { display: block !important; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button { font-size: 16px; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #TYxYqMxRpIbqiISM.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #TYxYqMxRpIbqiISM .sh-no-listing-msg { padding: 20px 0px; } #TYxYqMxRpIbqiISM .sh-widget-footer-MBT { display: none; } #TYxYqMxRpIbqiISM.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #TYxYqMxRpIbqiISM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYxYqMxRpIbqiISM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #TYxYqMxRpIbqiISM .sh-widget-footer-QS { display: none; } #TYxYqMxRpIbqiISM.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #TYxYqMxRpIbqiISM.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYxYqMxRpIbqiISM.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYxYqMxRpIbqiISM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title, #TYxYqMxRpIbqiISM.customizeColorEffect .prop-name, #TYxYqMxRpIbqiISM.customizeColorEffect .prop-value, #TYxYqMxRpIbqiISM.customizeColorEffect .curDate, #TYxYqMxRpIbqiISM.customizeColorEffect span.current-date, #TYxYqMxRpIbqiISM.customizeColorEffect .disclosure-content ul li, #TYxYqMxRpIbqiISM.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #TYxYqMxRpIbqiISM.customizeColorEffect .add-text, #TYxYqMxRpIbqiISM.customizeColorEffect .see-more-text, #TYxYqMxRpIbqiISM.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #TYxYqMxRpIbqiISM.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #TYxYqMxRpIbqiISM.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #TYxYqMxRpIbqiISM.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #TYxYqMxRpIbqiISM.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #TYxYqMxRpIbqiISM.sizeone.customizeColorEffect .header-section, #TYxYqMxRpIbqiISM.customizeColorEffect .row-2 { background: #E9F0EC; } #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title { display: unset; } #TYxYqMxRpIbqiISM.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title .prod-name:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .listing-title:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .add-text:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .disclosure-contnr .text:hover, #TYxYqMxRpIbqiISM.customizeColorEffect .see-more-text:hover { color: #EB0017; } #TYxYqMxRpIbqiISM.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #TYxYqMxRpIbqiISM.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #TYxYqMxRpIbqiISM.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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} #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings account rates on November 5, 2025: Earn up to 5.00% APYVaro Money has the best savings account rate, offering up to 5.00% APY. Savers can also earn very competitive rates with Axos Bank, Presidential Bank, and SoFi.As part of our ongoing commitment to help readers optimize their savings,Fortunecontinuously monitors the top rates offered by leading U.S. financial institutions. Compare the top savings account rates below:FDIC average national deposit rates: January 2020 to presentThe rates listed above are significantly higher than the national average of 0.40% that you’ll find on many accounts. And after the Fed’s recent rate cuts this average has been falling, down from a previous high of 0.47% in March 2024.Savings account news in 2025The Federal Reserve’s monetary policy decisions play a key role in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the APYs offered on savings accounts to remain competitive. Conversely, when the central bank lowers rates, savings account yields generally decrease.At present, the federal funds rate stands at 3.75%-4.00%. It long remained at 4.25%-4.50% after the December 2024 meeting, but the central bank made a quarter percentage point cut when it met in September and then cut by another quarter percentage point in October.It’s possible we’ll see savings account APYs dip, especially if banks anticipate the Fed may cut its benchmark rate again at the scheduled December meeting.Still, bear in mind that the linkage between Fed rates and savings yields isn’t always so direct. Banks adjust their savings rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Here’s why finding high-yield savings account is importantThe key difference between high-yield and traditional savings accounts lies in the interest rate offered; High-yield accounts typically provide rates 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is 0.40%, many of the high-yield accounts on our list offer rates above 4.00%.Traditional accounts often come with physical branch access but lower rates, while high-yield accounts are typically offered by online banks. They feature higher rates but no option for in-person services. Just remember that no matter what type of account you have, you’ll owe the IRS a portion of the interest earned.Substantially higher interest rates aren’t the only perk you get from these accounts, either. They’re often free from minimum balance requirements or monthly fees. Your liquid funds remain easily accessible, making them ideal for emergency funds or short-term savings goals. And these online accounts are still FDIC-insured, providing the same protection as traditional banks.When comparing savings accounts, keep these factors in mind:Interest rates:Look for competitive APYs to maximize your earnings.Minimum balance requirements:Many high-yield accounts have no minimums.Fee structure:Avoid accounts with monthly maintenance fees.Fund accessibility:Ensure easy withdrawals or transfers when needed, preferably without charging foreign ATM feesSecurity:Verify FDIC insurance coverage.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?The frequency with which your high-yield savings account’s rate changes isn’t set in stone. Financial institutions can update APYs at their discretion, but changes are commonly linked to moves in the federal funds rate set by the Federal Reserve.Should I switch banks if I find a savings account with a higher rate?If you find a higher APY elsewhere, it might be smart to switch, but only after checking if the extra interest earned would be substantial and if the new account’s terms (for example, minimum deposit requirements) fit your needs.How easy is it to withdraw money from a HYSA?It’s typically simple to take money out of a HYSA, especially assuming your bank offers digital transfers. Just know that even though federal limits on withdrawals have been lifted, some banks continue to restrict you to six per statement cycle.Should I choose an online-only bank for my HYSA?Online banks frequently offer more competitive yields on savings accounts, so they’re a great place to look when searching for the best high-yield options.Can I lose money in a high-yield savings account?With FDIC or NCUA insurance, your principal in a HYSA is secure up to the insurance max. However, if the account’s APY is lower than inflation, your money’s buying power could decrease over time.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Why Excellent Glass adds elegance to every design
Health 2025-12-22 02:50:06

Why Excellent Glass adds elegance to every design

ContentsThe timeless beauty of beveled glassHow delicious glass and space improvesDifferent styles of beveled glass edgesWhere beveled glass can be used for maximum impactWhen it comes to adding a hint of refinement and timeless beauty to a room, few materials can compete with the elegance of beveled glass. Whether it is used in windows, doors or decorative accents, beveled glass not only increases the aesthetic attraction of a room, but also plays a functional role in improving light and creating a feeling of openness. For more information about how delicious glass can transform your interior https://jerseytemperedglass.com/beveled-glass/.The timeless beauty of beveled glassExchangeed glass has a long -term reputation for his classic charm. In contrast to flat glass, it has sliced ​​and polished beveled glass edges, creating a subtle prism effect. This added dimension gives beveled glass a refined appearance that fits both traditional and contemporary designs.The timeless attraction of beveled glass lies in his ability to mix seamlessly with different styles. It can serve as a central point in a graceful window in Victorian style or as a sleek accent in a minimalist, modern setting. It does not matter where it is placed, beveled glass improves the overall design by introducing a feeling of depth, light and subdued elegance.How delicious glass and space improvesOne of the most remarkable qualities of beveled glass is the ability to manipulate light. When sunlight or artificial light passes through the sloping edges, it breaks out and spreads, creating a subtle, sparkling effect. This natural light play not only helps a room, but also adds a sense of movement and vitality..u86cace68636c08b50d5eb15208467830 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u86cace68636c08b50d5eb15208467830:active, .u86cace68636c08b50d5eb15208467830:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u86cace68636c08b50d5eb15208467830 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u86cace68636c08b50d5eb15208467830 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u86cace68636c08b50d5eb15208467830 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u86cace68636c08b50d5eb15208467830:hover .postTitle { text-decoration: underline!important; } See also7 secret ingredients for a wellness-oriented kitchen designIn addition to his light -improving properties, beveled glass has a unique way to make spaces feel larger. The angular edges create the illusion of depth, which can visually expand smaller areas. This makes it an ideal choice for rooms that need an extra sense of openness, such as compact entrances, bathrooms or eateries.By using beveled glass, designers can achieve the double advantage of more natural light and a more spacious feeling, all while retaining a polished, high-end look.Different styles of beveled glass edgesNot all beveled glass has been drawn up. The style and depth of the oblique way can vary and offer a series of design options for different preferences and applications. Some of the most common styles are:Scraped edges as standard: A classic choice with uniform, sloping edges that offer a clean and timeless appearance.Deep sloping fabrics: More pronounced corners that create a daring, dramatic effect. These are often used in statement documents or architectural characteristics.Decorative patterns: Excited edges that contain complicated designs or shapes, adding a touch of artistry and adaptation to the glass.Versatile horrible: Edges with multiple cuts, which improves the power of the glass to break light and produce stunning visual effects.By selecting the right oblique style, homeowners and designers can adjust the appearance of the glass to supplement the surrounding design. Whether it is subtle elegance or a daring explanation, there is a randy style delight that fits every design vision.Where beveled glass can be used for maximum impactThe versatility of beveled glass makes it suitable for a wide range of applications. Consider including it in the following areas to achieve maximum impact:Input: A chamfered glass panel in a front door or side lights can make a striking first impression. It not only improves the appearance of the sidewalk, but also adds a hospitable, luxurious touch.Windows and Transoms: Excused glass windows bring natural light and offer a sense of privacy and artistic flair. They are particularly effective in bathrooms, kitchens and corridors.Cabinet doors: The addition of beveled glass inserts to cupboards elevates the appearance of kitchens, dining rooms or at home offices. The glass emphasizes the content inside while retaining a polished and refined exterior.Mirrors and decorative panels: Excused glass accents in mirrors or wall panels can create stunning focal points. The beveled edges catch light beautifully and change functional items in elegant design characteristics.Furniture accents: From glass table tops to showcases, beveled glass can be used to mark and improve pieces of furniture. The angular edges add a refinement layer that transforms ordinary furniture into something extraordinary..u587a4f4dc567fa9d46d59046c2fd54ee { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u587a4f4dc567fa9d46d59046c2fd54ee:active, .u587a4f4dc567fa9d46d59046c2fd54ee:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u587a4f4dc567fa9d46d59046c2fd54ee { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u587a4f4dc567fa9d46d59046c2fd54ee .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u587a4f4dc567fa9d46d59046c2fd54ee .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u587a4f4dc567fa9d46d59046c2fd54ee:hover .postTitle { text-decoration: underline!important; } See alsoWhat are the 5 holistic welfare benefits of Tantric Massage in London?By placing glass in these important areas, it is possible to improve both the aesthetics and the functionality of a space, creating an environment that feels light, open and unmistakably stylish.Scot glass is more than just a decorative element; It is a versatile design tool that can add beauty, light and refinement to any setting. Whether you are looking to brighten up a room, create a feeling of depth or introduce a touch of classic elegance, beveled glass offers a range of possibilities.

Two top EPL clubs 'could move for PSG striker Randal Kolo Muani for just £33m
Sports 2026-01-07 20:37:10

Two top EPL clubs 'could move for PSG striker Randal Kolo Muani for just £33m

Two Premier League heavyweights have been named as potential destinations for Paris Saint-Germain forward Randal Kolo Muani.The striker, 25, signed for PSG from Eintracht Frankfurt for £77million in 2023 but has managed just 11 goals in 50 appearances. Two Premier League heavyweights have been named as potential destinations for Paris Saint-Germain forward Randal Kolo Muani. The striker, 25, signed for PSG from Eintracht Frankfurt for £77million in 2023 but has managed just 11 goals in 50 appearances. Now the Ligue 1 champions are prepared to offload him in January for between £33m and £42m, according to L'Equipe. The French outlet claims that Arsenal and Manchester United could be potential destinations but that the identity of the latter's next manager - at this stage looking likely to be Sporting Lisbon boss Ruben Amorim - will be influential. Kolo Muani was all the rage in the 2022-23 season when he hit 23 goals and provided 17 assists in all competitions for Frankfurt, earning his move to PSG in summer last year. He had been linked with a possible £105m move to United instead and admitted that playing in the Premier League was a 'childhood dream'. In the 2022 World Cup final he had the chance to win the tournament for France but was denied by Argentina goalkeeper Emiliano Martinez's 'save of the century'. France have been able to get more out of Kolo Muani that PSG, with the forward scoring six goals in 12 international outings this year. In the most recent international break he struck twice against rivals Belgium in the Nations League. However, he has managed just two starts all season for PSG and even winger Ousmane Dembele was chosen over him as the number nine for the 3-0 win at Marseille on Sunday. PSG have reportedly spoken with his delegation and are willing to let him start afresh elsewhere in the new year. Borussia Dortmund and Juventus had been interested in the summer. Kolo Muani, who rose from the French third tier to the World Cup final in three years, is commended for his electric pace and strength.

Man Utd decided six months ago Ruben Amorim was not for them, writes IAN HERBERT
Sports 2025-12-31 10:58:25

Man Utd decided six months ago Ruben Amorim was not for them, writes IAN HERBERT

You’ll find all the modern vocabulary of Premier League managerial recruitment swirling around Manchester United’s pursuit of Ruben Amorim.He’s a ‘sought-after young manager’ with a ‘stellar reputation’ and ‘the brightest of the hugely promising generation of young Portuguese coaches.’ His ‘stock is rising fast.’ You’ll find all the modern vocabulary of Premier League managerial recruitment swirling around Manchester United’s pursuit of Ruben Amorim. He’s a ‘sought-after young manager’ with a ‘stellar reputation’ and ‘the brightest of the hugely promising generation of young Portuguese coaches.’ His ‘stock is rising fast.’ Sorry to ruin this party, but he’s actually won the Portuguese league title twice in four years and the Portuguese League Cup three times. When his Sporting Lisbon side played Ajax at home in a Champions League group stage game in September 2021, his players were blown away in a 5-1 defeat. The Dutch team’s manager that night? The soon-to-be sought-after Erik ten Hag. We also presently witness Amorim being praised to the heavens because of his uncanny knack for ‘developing young players.’ Which I rather thought was supposed to be the prerequisite of any coach. Such objections to the received wisdom are an inconvenience at times like this. Along with numbers showing Amorim’s win ratio to be 71.7 per cent, while Ten Hag’s win ratio when United hired him was 73.49 per cent. Options are few and everyone is looking to the latest kid on the block. The new flavour of the month. https://img.allfootballapp.com/www/M00/59/97/720x-/-/-/CgAGVWchJjCALECSAACGE4LZGDM974.jpg There’s nothing wrong with recruiting relatively unproven overseas managers. So many, from Mauricio Pochettino to Roberto de Zerbi, have upended expectations. But this is not a breezy South Coast beach scene we’re talking about. It’s the raging, tempest of Manchester United, where managers and their reputations have routinely been devoured whole these past 11 years, before stepping on the first private jet out of the place. It’s the most difficult and complex crisis management role in world football. A task demanding someone with a material understanding of the white heat, the unyielding scrutiny and relentless impatience. Instead, United look a whole lot like a club stuck in a continuous loop, going back to a manager whom they actually decided six months ago was not for them. Liverpool, Aston Villa and West Ham have also all passed up on the chance to recruit Amorim, or at least speak to his agents. Please let’s dispense with any pretence about one of the prime motivations behind such a change of heart by the geniuses currently running this club. It’s a fear of missing out to Manchester City. United want Amorim because City supposedly want Amorim. Which, you would have to say, is hardly blue sky thinking. The notion of the Portuguese having a future at the Etihad has been tangible since it was announced that Hugo Viana, the director of football with whom he has formed a close partnership at Sporting Lisbon, will succeed Txiki Begiristain, when the Spaniard steps down from that role at City next summer. Amorim’s original intention had been to see out this season at Sporting and examine his options at the end of it, because they might have included linking up with Viana in Manchester, should Pep Guardiola walk away with Begiristain. City’s interest still seemed an obstacle just a week ago. United’s moves to pre-empt that included meeting Amorim during the international break earlier this month, for talks at which at least three of their executives were present. For City, recruiting Amorim to replace Guardiola would not represent an overwhelming risk, because he would be one significant cog in a well-oiled football structure, where the manager is asked to cohere to an agreed playing philosophy. It’s a structure which insulates a club from swinging wildly from one system to another, simply to fit the coach. It’s what progressive modern football executive oversight looks like. It’s also precisely the kind of structure you imagined INEOS would have established at United when recruiting Omar Berrada as chief executive from City, in January, and Dan Ashworth as sporting director from Newcastle United, in July, with Jason Wilcox, former City academy director, arriving as technical director last Spring. United are in desperate need of such a structure, though there is no evidence of one. At Old Trafford, Amorim will expect to be free to introduce his own playing philosophy – a 3-4-3 formation. And he will be reluctant to compromise on that, as Liverpool discovered when considering him as Jurgen Klopp’ successor this summer, and opting for Arne Slot instead, by some distance. United’s squad does not lend itself to playing with a back three and wing-backs. They currently have no natural, fit left wing back. And having blown the bank on average Dutch players for Ten Hag last summer, they do not have money to spend in January, either. Who was the right manager for United? This looks and feels like a club in need of a Carlo Ancelotti figure – as if – to instil sense and calm and bring coherence. The place exudes unhappiness to its core, with ancillary staff departing in the latest redundancy rounds describing a deep sense of hurt about a classless way things have been brought to an end. Graham Potter, out of a functioning football environment for too long, has been nowhere near consideration by United. Gareth Southgate – who would have brought maturity and sense – would not have gone down well in the court of public opinion. Xavi had Spanish ambitions to fulfil. Maintaining Ruud van Nistelrooy in an extended interim capacity, whilst INEOS reset and put some structure in place, would have made more sense than this punt on inexperience. It wasn’t to be. United just couldn’t wait. Change is in the air again at a club which has seems pathologically incapable of intelligent evolution. The new execs will power up the rollercoaster and crash on. Real Madrid's Ballon d'Or no-show was classless It’s hard to recall a more classless act than Real Madrid’s refusal to show up for the Ballon d’Or awards on Tuesday night because the player prize had gone to Manchester City’s Rodri, rather than Vinicius Junior. The players said they would not go where they are ‘not respected’, despite winning the club award. Sad to see the great club of Alfredo di Stefano, Ferenc Puskas, Francico Gento and Zinedine Zidane, boiling in its own bitterness and spite. Golf is reaching new audiences There was a time when club golf was remote and exclusive place, but the turn I took with my grandson last week around the nine-hole, par three course at Styal Golf Club, near us in Cheshire, was a reminder of why it has found new audiences and thrives. The boy has not long started picking up clubs - this was our third time around – and for me, there’s been an inbuilt worry about him digging out large chunks of fairway. The welcome and encouragement from the staff could not have been greater. And the nine shots I needed to exit the bunker at the fifth, reminiscent of that old Hamlet cigar ad, added considerably to his enthusiasm. England must acknowledge Bazball flaws It's the response in the worst of times which is the true gauge of greatness in sport. Ben Stokes has been garlanded with praise these past few years, yet amid the desultory performances in Pakistan, we’ve witnessed his loss of cool as England’s fielding fell apart in the second test, his distraction and aimlessness in the field during the third and a distinct reluctance to discuss anything off the field. Bazball has brought much joy but its practitioners’ refusal to acknowledge the flaws and failings is its least appealing trait. It smacks of swagger and ego.

Which one is suitable for your company?
Health 2025-12-16 04:38:46

Which one is suitable for your company?

ContentsInsight into the rental properties in the short termWhen you can choose short -term rentalAdvantages of short -term rentalDisadvantages of short -term rentalInsight into long -term rental commercial carsWhen you have to choose long -term rentalAdvantages of long -term rentalDisadvantages of long -term rentalComparing short-term and long-term rental: important factors to consider1. Cost reasons2. Business flexibility3. Maintenance and repairs4. Branding and adjustment5. Vehicle availabilityMake the right choice for your companyManaging a business fleet is not a small task. Whether you are performing a startup, a growing company or an established company, your choice for rental properties for commercial vehicles can influence your activities, budget and flexibility. But do you have to opt for a rental price in the short term or are committed to a long -term lease? The answer depends on your business needs, financial situation and future plans.In this article we will break down the most important differences between short-term and long-term rental of the commercial cars, so that you can determine which option best suits your company.Insight into the rental properties in the short termCommercial car rental in the short term usually covers a period of a few days to a few months. This rental offers flexibility, making them a popular choice for companies with fluctuating transport needs.When you can choose short -term rentalA rental price in the short term can be the correct fit if:Your company requires vehicles for temporary projects or seasonal work.You need a replacement car while a commercial vehicle is being repaired.You want to test different vehicle models before you are on a purchase or lease.Your company is expanding and you need extra transport for a limited time.For example, construction companies often need extra vehicles when taking large projects, but as soon as the project is completed, demand falls. In such cases, renting vehicles prevents unnecessary costs in the short term..ue31859f07e2a5af7310451059e0fdecc { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ue31859f07e2a5af7310451059e0fdecc:active, .ue31859f07e2a5af7310451059e0fdecc:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ue31859f07e2a5af7310451059e0fdecc { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ue31859f07e2a5af7310451059e0fdecc .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ue31859f07e2a5af7310451059e0fdecc .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ue31859f07e2a5af7310451059e0fdecc:hover .postTitle { text-decoration: underline!important; } See alsoHow to start healing from past traumaAdvantages of short -term rentalFlexibility-Rent a vehicle only when necessary, without long -term obligations.Lower initial costs– No large payments or prior costs.Access to newer models– Rental companies often update their fleets, allowing companies to use newer vehicles with the latest functions.No long -term maintenance costs– The rental company deals with maintenance and repairs, which saves your operating time and money.Disadvantages of short -term rentalHigher daily and weekly costs-Although the short -term rental is useful, they are usually more expensive when they are calculated for a longer period.Limited adjustment– You may not have the option to notice the vehicle with your company logo.Availability problems– During peak seasons, finding the right vehicle can be a challenge in the short term.If your company needs sporadic vehicles, short -term rental can be a cost -effective solution. However, if your operations require consistent use of vehicle, a long -term lease can fit better.Insight into long -term rental commercial carsLong -term car rental, often structured as lease contracts, usually vary from a few months to several years. This rental offers companies access to vehicles for a longer period without the burden of ownership.When you have to choose long -term rentalA Long -term rental is ideal as:Your company requires daily or weekly consistent transport.You want to avoid the high costs of buying vehicles in advance.You need several vehicles for a longer period, but you do not want to invest in fleet ownership.Predictable monthly costs are important for budgeting and financial planning.Delivering services, logistics companies and field services, for example, often rely on long -term rental to maintain stable activities without the costs and responsibilities to possess a fleet..u6e038fbf9e59424d9ecd9ecc80969609 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u6e038fbf9e59424d9ecd9ecc80969609:active, .u6e038fbf9e59424d9ecd9ecc80969609:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u6e038fbf9e59424d9ecd9ecc80969609 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u6e038fbf9e59424d9ecd9ecc80969609 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u6e038fbf9e59424d9ecd9ecc80969609 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u6e038fbf9e59424d9ecd9ecc80969609:hover .postTitle { text-decoration: underline!important; } See alsoImpaired driving and car accidents: more than alcohol and drugsAdvantages of long -term rentalLower monthly costs-In comparison with short -term rental, the costs per month are considerably lower.Predictable budgeting– Fixed monthly rates make financial planning easier.Vehicle adjustment options– Many providers allow companies to use vehicles with company logos and colors.Access to a reliable fleet– Companies can maintain a consistent vehicle setup without worrying about frequent changes.No depreciation– Unlike vehicles owned, rental vehicles are not purchased on the balance of your company.Disadvantages of long -term rentalLess flexibility– If the business needs are changed, you may be attached to a vehicle that you no longer need.Contract obligations– Early termination costs may apply if you have to cancel before the contract ends.Limited model changes– You can be locked in a specific vehicle type for the duration of the lease.For companies that regularly need vehicles, a long -term rent can be a cost -effective alternative for the purchase. However, if your needs are uncertain, it may not be the best choice to commit a lease in the long term.Comparing short-term and long-term rental: important factors to considerEvery company is different, so deciding between short-term and long-term rental requires careful consideration. Here are the most important factors to weigh before you make a decision:1. Cost reasonsShort -term rental has higher daily or weekly rates, making them expensive for long -term use.Long -term rental offers lower monthly costs, making them budget -friendly for companies that need transport throughout the year.2. Business flexibilityWith short -term rental you can adapt to changing needs without long -term obligations.Long -term rental offers stability but limits flexibility if your business activities change unexpectedly..uc4d46dfd87133a2d0b6c9fb54bb7273f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uc4d46dfd87133a2d0b6c9fb54bb7273f:active, .uc4d46dfd87133a2d0b6c9fb54bb7273f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uc4d46dfd87133a2d0b6c9fb54bb7273f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uc4d46dfd87133a2d0b6c9fb54bb7273f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uc4d46dfd87133a2d0b6c9fb54bb7273f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uc4d46dfd87133a2d0b6c9fb54bb7273f:hover .postTitle { text-decoration: underline!important; } See alsoHow to select a suitable domain name for your new beauty business3. Maintenance and repairsShort -term rental comes with full maintenance coverage, so that business downtime is minimized.Long -term rental may require the company to handle some maintenance costs depending on the contract.4. Branding and adjustmentShort -term rental rarely allows adjustment.Long -term rental often enables companies to add branding and other changes.5. Vehicle availabilityShort -term rental depends on the current inventory, which can be limited during peak times.Long -term rental homes guarantee that a vehicle is available when needed.Make the right choice for your companyConsider these questions when decision between short-term and long-term rental:How often does your company need vehicles?Is flexibility more important than costs?Do you need vehicle fire?Is your company financially prepared for one Long -term obligation?If your company occasionally requires vehicle use or works on short contracts, short -term rental offer the flexibility you need. On the other hand, if your company depends on vehicles for daily activities, a long -term rental is the smarter financial choice.Last thoughtsBoth commercial car rental in the short and long term serves different business needs. Short -term rental offer adaptability and convenience, while the long -term rental properties offer cost efficiency and stability. By evaluating the specific requirements of your company, you can make a decision that supports your activities, budget and growth.If you are still not sure, consider testing a rent rental in the short term first. This allows you to measure the vehicle use of your company before you are committed to a long -term agreement. With the right approach, your company can maximize efficiency, lower costs and stay on its way to success.

Current price of gold as of November 6, 2025
Personal Finance 2025-12-31 11:10:13

Current price of gold as of November 6, 2025

As of 10 a.m. Eastern Time on November 6, 2025, gold was priced at $4,008 per ounce. This represents a $31 rise from yesterday at the same hour and an increase of over $1,302 compared to one year ago.Gold price per ounce% ChangePrice of gold yesterday$3,977-0.77%Price of gold 1 month ago$3,928-2.00%Price of gold 1 year ago$2,706-32.49%Price of gold yesterdayGold price per ounce$3,977% Change-0.77%Price of gold 1 month agoGold price per ounce$3,928% Change-2.00%Price of gold 1 year agoGold price per ounce$2,706% Change-32.49%If you’re searching for an investment that doesn’t move in lockstep with inflation, gold could be a smart pick. Over time, gold has generally shown an upward trend in value. Many investors use a gold IRA to buy and hold gold, which can help stabilize a portfolio during market swings. It’s also a convenient option for those who want to avoid the hassle of storing physical gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t always the top performer. In times of economic strength, stocks can yield better returns both short and long term. Between 1971 and 2024, the average annual return for stocks was 10.7%, while gold averaged 7.9% annually.Nevertheless, gold is often favored as a low-risk asset during economic uncertainty. For this reason, some investors treat it more as a store of value than as a traditional investment like stocks or bonds.What does “spot gold” mean?The spot price of gold is the current price for immediate purchase or sale in the over-the-counter market. This price helps investors track gold demand and market trends in real time. In simple terms, a higher spot price indicates stronger demand for gold. Unlike futures, the spot price refers to immediate delivery.When the price for future delivery is higher than the spot price, it’s called contango, which is typical for commodities with storage costs. If the futures price is below the spot price, it’s known as backwardation.Numerous variables can affect the spot price, making it highly volatile. Investors in gold should be prepared for these price swings.What is price spread in gold trading?The price spread is the difference between an asset’s buying price and its selling price.In gold markets, the ask price is the cost to purchase, while the bid price is what you’d get for selling. The bid is always lower than the ask.A smaller spread means the market is more liquid. When spreads are narrow, it usually points to increased gold demand.How to invest in goldIf you imagine gold investing as a cartoonish dive into a pile of coins, that’s only part of the story. While physical gold bars, coins, or jewelry are options, most gold trading happens through exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Some common gold investment methods include:Gold bars:Also called bullion, these are sold by weight, with details like purity and manufacturer marked on the bar. There are also gold rounds.Gold coins:Collectibles such as the American Gold Eagle coin, often sold at a premium due to their rarity.Gold jewelry:Priced above the gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a set price in the future, letting investors speculate on price movements without handling the metal.Gold funds:Mutual funds or ETFs invested in gold assets, whose value changes with the underlying holdings.Is it a good time to invest in gold?Deciding if now is the best time to buy gold is subjective. Still, gold can help diversify your portfolio and reduce the impact of market volatility.Gold remains a stable choice amid market turbulence. Prices have surged to record highs, up over 25% since early 2025, driven by inflation and uncertainty. Many experts see this as a good time to add gold for diversification.Current precious metals pricesas of 9:05 a.m. ET on November 6, 2025Precious MetalPrice per ounceGold$4,008Silver$48Platinum$1,561Palladium$1,404GoldPrice per ounce$4,008SilverPrice per ounce$48PlatinumPrice per ounce$1,561PalladiumPrice per ounce$1,404Silver, platinum, and palladium are also popular among investors. Gold is usually less volatile than silver, which can see significant price swings even within a day. Silver’s widespread industrial use makes it more sensitive to economic trends.Platinum and palladium share similar traits with silver. While they offer diversification benefits, they tend to be more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for some time, with persistent inflation making an impact. Gold can serve as a hedge against inflation in your portfolio. Thanks to various ways to buy, gold is accessible to investors of all experience levels. Whether using a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors opt for gold ETFs, which provide a managed basket of easily traded assets.Is gold a good investment?Gold is often chosen by those wanting to diversify and hedge against inflation. There are many straightforward ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are collectibles and may command a higher price per ounce than bars. Their collectible and historical value can make them appealing. U.S. minted coins may also help protect against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current mortgage rates report for Nov. 3, 2025
Personal Finance 2025-12-17 23:27:47

Current mortgage rates report for Nov. 3, 2025

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.190%, according to data available from mortgage data company Optimal Blue. That’s up approximately 3 basis points from the prior day’s report, and up approximately 2 basis points from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.190%One week ago6.167%One month ago6.315%30-year jumboCurrent rate6.450%One week ago6.310%One month ago6.465%30-year FHACurrent rate6.080%One week ago6.033%One month ago6.084%30-year VACurrent rate5.759%One week ago5.748%One month ago5.819%30-year USDACurrent rate6.128%One week ago6.044%One month ago6.128%15-year conventionalCurrent rate5.403%One week ago5.415%One month ago5.498%Note thatFortunereviewed Optimal Blue’s latest available data on October 31, 2025, with the numbers reflecting home loans locked in as of October 30, 2025. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession. Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. With two more Fed meetings set for October and December, further cuts remain possible.How to get the best mortgage rate possibleWhile economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier. Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartThe rates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high. Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits. Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations. However, the Fed has been slimming down its balance sheet, allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. In other words, even though a lot of attention is focused on when the central bank decides to cut or hike the federal funds rate, what the Fed does with its balance sheet may be even more important for those hoping to snag a lower mortgage rate. Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Unlock the power of medicinal mushrooms: an informative guide
Health 2025-12-25 12:55:17

Unlock the power of medicinal mushrooms: an informative guide

ContentsThe health benefits of medicinal mushroomsSupport for the immune systemImproved cognitive functionStress lighting and better sleepAntioxidant and anti -inflammatory propertiesEnergy and endurance BoostPractical ways to record medicinal mushroomsTomorrow Mushrooms Coffee or TeaWith mushroom-infused smoothiesMushroom supplementsDIY mushroom powder mixtureFunctional mushroom snacksOpt for high -quality medicinal mushroomsThe science behind medicinal mushroomsRaise your well -beingIn recent years, medicinal mushrooms have become a staple in the wellness world, praised for their incredible health benefits and versatility. These fungi, often referred to as ‘functional mushrooms’, have been used in traditional medicine for centuries and are now getting a grip in modern health and nutrition. Whether you are looking to stimulate immunity, improve cognitive function or support your overall well -being, medicinal mushrooms have something to offer. Let us examine their fascinating benefits and practical ways to include them in your life.The health benefits of medicinal mushroomsMedicinal mushrooms are not your typical variety of supermarkets. They include species such as Reishi, Lion’s Mane, Chaga, Cordyceps and Shiitake, which offer each unique health benefits. Here are some of the most striking:Support for the immune systemReishhi and Turkey Staartpadpendezoel are celebrated for their immune reinforcement properties. They contain beta glucans, which help stimulate the immune system, making them ideal for combating infections and maintaining overall health.Improved cognitive functionLion’s Mane is a peak for his ability to support brain health. Studies suggest that it promotes the growth of nerve cells and can improve memory, focus and mental brightness. It is often used as a natural nootropic for cognitive improvement..udf250914a60db4ea857c350409a97b66 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .udf250914a60db4ea857c350409a97b66:active, .udf250914a60db4ea857c350409a97b66:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .udf250914a60db4ea857c350409a97b66 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .udf250914a60db4ea857c350409a97b66 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .udf250914a60db4ea857c350409a97b66 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .udf250914a60db4ea857c350409a97b66:hover .postTitle { text-decoration: underline!important; } See alsoWhat home materials you can use to create games for proprioceptive development: a practical guideStress lighting and better sleepReishi, known as the ‘mushroom of immortality’, is a natural adaptogen that helps the body to control stress. It can also improve sleep quality by calming the mind and reducing anxiety.Antioxidant and anti -inflammatory propertiesChaga mushrooms are loaded with antioxidants, which fight oxidative stress and inflammation in the body. Regular consumption can help protect against chronic disorders and support skin health.Energy and endurance BoostCordyceps are popular with athletes for their ability to improve energy levels and improve the use of oxygen. They are often used to combat fatigue and to support physical performance.Practical ways to record medicinal mushroomsMedicinal mushrooms are available in various forms, including supplements, powders and extracts, making them easy to integrate into your daily routine. Here are some practical ways to use them:Tomorrow Mushrooms Coffee or TeaStart your day with a warm cup of mushroom coffee or tea. Powded mushrooms such as Lion’s Mane and Chaga mix seamlessly in your morning brew and adds earthy flavors and a health boost.With mushroom-infused smoothiesAdd a scoop of medicinal mushroom powder to your favorite smoothie recipe. This is a handy way to include them in your diet while enjoying a nutritious drink.Mushroom supplementsFor those who prefer simplicity, medicinal mushrooms are available everywhere in capsule or tablet form. These are ideal for consistent dosage and portability.DIY mushroom powder mixtureCreate your own mushroom powder mixture to sprinkle over bowls. Mix equal parts of the moons of the powdered lion, chaga and reishi and use it as a herbs for savory recipes..u72a8d2873b7caba29918a9579a9f3fc5 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u72a8d2873b7caba29918a9579a9f3fc5:active, .u72a8d2873b7caba29918a9579a9f3fc5:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u72a8d2873b7caba29918a9579a9f3fc5 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u72a8d2873b7caba29918a9579a9f3fc5 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u72a8d2873b7caba29918a9579a9f3fc5 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u72a8d2873b7caba29918a9579a9f3fc5:hover .postTitle { text-decoration: underline!important; } See alsoHow to develop healthy sleep habitsFunctional mushroom snacksSearch for pre -packaged snacks steeped in medicinal mushrooms, such as protein bars or energy foods, for a health boost on the road.Opt for high -quality medicinal mushroomsQuality is important when buying medicinal mushrooms. Search for organic, sustainably produced products to ensure that you get the entire spectrum of health benefits. Many renowned brands offer lab-tested mushroom powders and extracts, which ensures potential and purity. Check the product label for more information about sourcing and preparation methods.The science behind medicinal mushroomsMedicinal mushrooms have been extensively studied for their bioactive connections, including polysaccharides, triterpenoids and antioxidants. These connections contribute to their therapeutic effects, from modulating the immune system to reducing inflammation. Research continues to discover new applications, making medicinal mushrooms an exciting field in both traditional and modern medicine.Mushroom traces, the reproductive cells of fungi, also play a crucial role in understanding and utilizing the benefits of medicinal mushrooms. These traces contain the genetic blueprint of the mushroom and are full of useful connections. In some cases, Traces are collected And used in supplements or extracts to improve their potential and to offer an even more concentrated source of nutrients.Raise your well -beingMushrooms offer a wealth of health benefits and practical applications. From immune support to improved brain function, these fungi are a natural way to increase your well -being. By including them in your daily routine through supplements, drinks or cooking, you can unlock their potential to support a healthier lifestyle. Explore the world of medicinal mushrooms today and experience the transforming effects of these remarkable fungi..uab915d7d4b4d907b63ceea27e0254eb2 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uab915d7d4b4d907b63ceea27e0254eb2:active, .uab915d7d4b4d907b63ceea27e0254eb2:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uab915d7d4b4d907b63ceea27e0254eb2 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uab915d7d4b4d907b63ceea27e0254eb2 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uab915d7d4b4d907b63ceea27e0254eb2 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uab915d7d4b4d907b63ceea27e0254eb2:hover .postTitle { text-decoration: underline!important; } See alsoThe Only Guide You Need

Earn up to 4.35% APY with the best CD rates available on Oct. 29, 2025
Personal Finance 2025-12-27 15:56:08

Earn up to 4.35% APY with the best CD rates available on Oct. 29, 2025

You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and finally made its first rate cut of 2025 at its September meeting, which means average CD yields are well off their recent record highs.Currently, the best CD rates offer up to 4.35% annual percentage yield. If you fund a certificate of deposit on October 29, 2025, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on October 29, 2025: Earn up to 4.35%The highest CD rate of 4.35% is offered by Ivy Bank on its three-month CD.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.CD rates news 2025CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year. Now, the federal funds rate stands at 4.00%-4.25%. Some CD offerings dipped directly after.There are two more Fed meetings on the calendar this year, with the next one set for Oct. 28-29. CD rates could well dip further if banks anticipate the Fed will enact further rate cuts.The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.Historical CD ratesIn the early 1980s, CD rates surged into double digits, starkly contrasting with lower rates in 2025. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we are beginning to see rates stabilize and drop below this threshold.How to get a good CD rateDetermining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term. For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings goals and timeline.APY:Higher rates typically are offered for longer terms.Minimum deposit:Make sure you can meet the required initial balance.Penalties:Understand the costs associated with withdrawing funds before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.Look into offerings from online banksOnline banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.#qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; 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font-weight: 600; } }Set up a CD ladderCD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

PenFed Credit Union review 2025: High-yield deposit accounts and top-tier customer service
Personal Finance 2025-12-15 12:30:07

PenFed Credit Union review 2025: High-yield deposit accounts and top-tier customer service

Established in 1935 and headquartered in Tysons, Virginia, Pentagon Federal Credit Union (PenFed) is one of the largest federal credit unions with $31 billion in assets. As of this writing, PenFed serves 2.9 million members worldwide and offers various financial products and services, including checking, savings, share certificates (the credit union equivalent of certificates of deposit) and more. Historically, PenFed membership was limited to those with ties to the United States government or military—but it’s now open to virtually everyone. Here’s what you need to know about PenFed Credit Union. All rates and fees are current as of Nov. 7, 2025, and are subject to change.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.DCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesVIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #GipaBSQpYIrNgQGZ .spinner { display: none; 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border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #GipaBSQpYIrNgQGZ .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #GipaBSQpYIrNgQGZ .apy-label { font: normal normal 900 24px / 28px Roboto; } #GipaBSQpYIrNgQGZ .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #GipaBSQpYIrNgQGZ .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #GipaBSQpYIrNgQGZ .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #GipaBSQpYIrNgQGZ .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #GipaBSQpYIrNgQGZ .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #GipaBSQpYIrNgQGZ .additional-content { margin-top: 0px !important; } #GipaBSQpYIrNgQGZ .additional-content ul li { margin-bottom: 0; } #GipaBSQpYIrNgQGZ .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #GipaBSQpYIrNgQGZ .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #GipaBSQpYIrNgQGZ .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #GipaBSQpYIrNgQGZ .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #GipaBSQpYIrNgQGZ .shArrow { width: 12px; height: 7px; } #GipaBSQpYIrNgQGZ span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #GipaBSQpYIrNgQGZ .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #GipaBSQpYIrNgQGZ .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #GipaBSQpYIrNgQGZ #see_more_carrier, #GipaBSQpYIrNgQGZ .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #GipaBSQpYIrNgQGZ .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #GipaBSQpYIrNgQGZ .apy-label p { margin-top: 0px; margin-bottom: 0px; } #GipaBSQpYIrNgQGZ .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #GipaBSQpYIrNgQGZ { padding: 0 26px; } #GipaBSQpYIrNgQGZ .logo-image-wrapper { width: 136px; } #GipaBSQpYIrNgQGZ .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #GipaBSQpYIrNgQGZ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #GipaBSQpYIrNgQGZ .prop-value-container .apy-container { flex: 0 0 44%; } #GipaBSQpYIrNgQGZ .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ .prop-value-container .minvalue-container { flex: 0 0 28%; } #GipaBSQpYIrNgQGZ .ad-copy-top-section { margin-bottom: 15px; } #GipaBSQpYIrNgQGZ .sh-row-product-title { max-width: 136px; } #GipaBSQpYIrNgQGZ .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #GipaBSQpYIrNgQGZ .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #GipaBSQpYIrNgQGZ .logo-image-wrapper { width: 100%; max-width: 292px; } #GipaBSQpYIrNgQGZ .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #GipaBSQpYIrNgQGZ .ad-copy { margin-left: 0; } #GipaBSQpYIrNgQGZ .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #GipaBSQpYIrNgQGZ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #GipaBSQpYIrNgQGZ .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #GipaBSQpYIrNgQGZ .see-more-text { padding: 16px 15px; } #GipaBSQpYIrNgQGZ .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #GipaBSQpYIrNgQGZ .top-section-right { margin-left: 0px; } #GipaBSQpYIrNgQGZ .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #GipaBSQpYIrNgQGZ.sizeone .header-section { padding: 6px 10px; } } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .row-1 { padding-left: 14px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .listing-title, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .shmktpl-button, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .prop-value-container .apy-container, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .prop-value-container .mfee-container, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .prop-value-container .mfee-container #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .prop-value-container .minvalue-container, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .sh-row-product-title, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .disclosure-content ul li, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box750.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box800.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box850.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box900.device-desktop .ad-copy-top-section, #GipaBSQpYIrNgQGZ.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .row-1, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .row-1 , #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .row-2, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .row-2 , #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .row-1, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .row-1 , #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .row-2, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .row-2{ display: unset; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .ad-copy, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .apy-label, #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .prop-value, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .prop-value, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .prop-value, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box700.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box550.device-desktop .logo-image-wrapper, #GipaBSQpYIrNgQGZ.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #GipaBSQpYIrNgQGZ.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#GipaBSQpYIrNgQGZ.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#GipaBSQpYIrNgQGZ.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#GipaBSQpYIrNgQGZ.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #GipaBSQpYIrNgQGZ .shmktpl-title, #GipaBSQpYIrNgQGZ .sub-heading-container, #GipaBSQpYIrNgQGZ .filter-check-options-cntnr, #GipaBSQpYIrNgQGZ .listing-header-cntnr { display: none; } #GipaBSQpYIrNgQGZ.title .shmktpl-title, #GipaBSQpYIrNgQGZ.subHeading .sub-heading-container, #GipaBSQpYIrNgQGZ.multiSelectFilter .filter-check-options-cntnr, #GipaBSQpYIrNgQGZ.resultsText .listing-header-cntnr { display: flex; } #GipaBSQpYIrNgQGZ.sizeone .add-overlay-content { width: 62%; height: auto; } #GipaBSQpYIrNgQGZ.sizeone .disclosure-title { padding: 6px 0px; } #GipaBSQpYIrNgQGZ.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #GipaBSQpYIrNgQGZ .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #GipaBSQpYIrNgQGZ.sizeone .title-container { margin-top: 0; } #GipaBSQpYIrNgQGZ.sizeone .non_featured_list { margin-top: 0; } #GipaBSQpYIrNgQGZ.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #GipaBSQpYIrNgQGZ.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #GipaBSQpYIrNgQGZ .item { flex: 1 1 calc(50% - 48px); } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+3), #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+1), #GipaBSQpYIrNgQGZ .item:nth-of-type(4n+1) + * { background-color: #fff; } #GipaBSQpYIrNgQGZ .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #GipaBSQpYIrNgQGZ .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #GipaBSQpYIrNgQGZ .desktop, #GipaBSQpYIrNgQGZ .desktop-inline { display: none; } #GipaBSQpYIrNgQGZ .mobile { display: block !important; } #GipaBSQpYIrNgQGZ { padding: 0 18px; } #GipaBSQpYIrNgQGZ .shmktpl-title { font-size: 24px; line-height: 29px; } #GipaBSQpYIrNgQGZ .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #GipaBSQpYIrNgQGZ .add-overlay-content { width: 80%; height: auto; } #GipaBSQpYIrNgQGZ .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #GipaBSQpYIrNgQGZ .row-1 { flex-flow: column; padding: 16px; } #GipaBSQpYIrNgQGZ .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #GipaBSQpYIrNgQGZ .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #GipaBSQpYIrNgQGZ .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #GipaBSQpYIrNgQGZ .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #GipaBSQpYIrNgQGZ .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #GipaBSQpYIrNgQGZ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #GipaBSQpYIrNgQGZ .prop-value { margin-top: 0; } #GipaBSQpYIrNgQGZ .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #GipaBSQpYIrNgQGZ .non_featured_list { margin-top: 18px; } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #GipaBSQpYIrNgQGZ .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #GipaBSQpYIrNgQGZ .item:nth-child(3n), #GipaBSQpYIrNgQGZ .desktop-bg { background: none; } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { padding: 0; } #GipaBSQpYIrNgQGZ .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #GipaBSQpYIrNgQGZ .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #GipaBSQpYIrNgQGZ .disclosure-content ul { padding-left: 14px; line-height: 28px; } #GipaBSQpYIrNgQGZ .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #GipaBSQpYIrNgQGZ .additional-features { flex: 0 0 100%; } #GipaBSQpYIrNgQGZ .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #GipaBSQpYIrNgQGZ.sizeone .listing-header-cntnr { display: none; } #GipaBSQpYIrNgQGZ.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #GipaBSQpYIrNgQGZ .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #GipaBSQpYIrNgQGZ .prod-desc-popup-content { position: fixed; } } #GipaBSQpYIrNgQGZ.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #GipaBSQpYIrNgQGZ.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #GipaBSQpYIrNgQGZ.listingAlignment .logo-image-wrapper img { width: 100%; } #GipaBSQpYIrNgQGZ.listingAlignment { padding: 0px; } #GipaBSQpYIrNgQGZ.listingAlignment .listing-title { font-size: 14px; } #GipaBSQpYIrNgQGZ.listingAlignment .listing-title span { font-size: 14px; } #GipaBSQpYIrNgQGZ.listingAlignment .row-1 { padding: 26px 10px; } #GipaBSQpYIrNgQGZ.listingAlignment .prop-name { font-size: 10px; } #GipaBSQpYIrNgQGZ.listingAlignment .prop-value { font-size: 14px } #GipaBSQpYIrNgQGZ.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #GipaBSQpYIrNgQGZ.listingAlignment .logo-column.flex-container { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .prop-conatiner { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .ad-copy-column.flex-container { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .cta-column.flex-container { flex: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .disclosure-content ul li::before { content: unset; } #GipaBSQpYIrNgQGZ.listingAlignment .disclosure-content ul li { list-style: disc; } } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #GipaBSQpYIrNgQGZ.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #GipaBSQpYIrNgQGZ.ctaAlignment .cta-column.flex-container { display: block !important; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button { font-size: 16px; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #GipaBSQpYIrNgQGZ.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #GipaBSQpYIrNgQGZ .sh-no-listing-msg { padding: 20px 0px; } #GipaBSQpYIrNgQGZ .sh-widget-footer-MBT { display: none; } #GipaBSQpYIrNgQGZ.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #GipaBSQpYIrNgQGZ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #GipaBSQpYIrNgQGZ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #GipaBSQpYIrNgQGZ .sh-widget-footer-QS { display: none; } #GipaBSQpYIrNgQGZ.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #GipaBSQpYIrNgQGZ.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #GipaBSQpYIrNgQGZ.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #GipaBSQpYIrNgQGZ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title, #GipaBSQpYIrNgQGZ.customizeColorEffect .prop-name, #GipaBSQpYIrNgQGZ.customizeColorEffect .prop-value, #GipaBSQpYIrNgQGZ.customizeColorEffect .curDate, #GipaBSQpYIrNgQGZ.customizeColorEffect span.current-date, #GipaBSQpYIrNgQGZ.customizeColorEffect .disclosure-content ul li, #GipaBSQpYIrNgQGZ.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #GipaBSQpYIrNgQGZ.customizeColorEffect .add-text, #GipaBSQpYIrNgQGZ.customizeColorEffect .see-more-text, #GipaBSQpYIrNgQGZ.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #GipaBSQpYIrNgQGZ.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #GipaBSQpYIrNgQGZ.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #GipaBSQpYIrNgQGZ.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #GipaBSQpYIrNgQGZ.sizeone.customizeColorEffect .header-section, #GipaBSQpYIrNgQGZ.customizeColorEffect .row-2 { background: #E9F0EC; } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title { display: unset; } #GipaBSQpYIrNgQGZ.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title .prod-name:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .add-text:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .disclosure-contnr .text:hover, #GipaBSQpYIrNgQGZ.customizeColorEffect .see-more-text:hover { color: #EB0017; } #GipaBSQpYIrNgQGZ.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #GipaBSQpYIrNgQGZ.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #GipaBSQpYIrNgQGZ.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #GipaBSQpYIrNgQGZ.customizeColorEffect .listing-title { display: block; } #GipaBSQpYIrNgQGZ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #GipaBSQpYIrNgQGZ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #GipaBSQpYIrNgQGZ .sh-right-arrow { display: none; } #GipaBSQpYIrNgQGZ.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); 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gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; 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} #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }PenFed Credit UnionPenFed Credit UnionChecking accountsStarting at $0 per monthSavings accountsOpen with as little as $5Share certificatesOpen with as little as $25View offerat MoneyLionCompany insightsYear Founded: 1935Company Headquarters: McLean, VACEO: James SchenckWho is PenFed Credit Union good for? PenFed could be a good choice for someone looking for a full-service financial institution that offers all your banking needs under one roof. PenFed issues not just deposit accounts but credit cards, auto loans, mortgages, and more. The credit union is also known for its low APRs on products like credit cards and personal loans. Who shouldn’t use PenFed Credit Union? The APYs for PenFed’s checking, savings, and CDs don’t quite measure up to some top competitors. If your priority is a high return rate across deposit accounts, you may want to look elsewhere. Additionally, PenFed offers considerably fewer branches than banks like Chase. If you value in-person banking, make sure there’s a location near you before you join.N/AProsMembership open to anyoneHigh-yield savings optionFull-service financial institutionConsAPYs not competitive with many top optionsSteep early withdrawal penalty for share certificatesInterest-bearing checking charges a fee (though it can be waived)PenFed Credit Union rates and productsPenFed offers several deposit accounts to help you meet your financial goals, including multiple checking, savings, and share certificate accounts.Checking accountsUp to 0.35% APYSavings accountsUp to 2.70% APYShare certificatesUp to 3.10% APYBank details checked as of Nov. 7, 2025.Checking accountsPenFed members have a couple of options for checking accounts. You can choose between a free checking account option and one that earns interest but comes with (waivable) monthly fees.PenFed Credit Union Free checking account featuresMinimum opening deposit$25Monthly fees$0 –$10Top APY0.35%ATM accessAccess to over 85,000 ATMs through Allpoint & Co-opFree CheckingMinimum opening deposit:$25Monthly fees:$0  APY:N/A Early direct deposit:Yes (up to 2 days early) Checks:YesAccess America CheckingMinimum opening deposit:$25Monthly fees:$10 (waived with a monthly $500+ direct deposit or a daily balance of $500+) APY:Up to 0.35% Balances of $25 – $19,999— 0.15% Balances of $20,000 – $50,000— 0.35% Early direct deposit:Yes (up to 2 days early) Checks:YesBank details checked as of Nov. 7, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare1 ResultsProduct DescriptionsTop PickSoFi® : Checking and Savings AccountMember FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Annual Percentage Yield 0.50% as of 12/12/2025Monthly Fees$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. 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cursor: pointer; letter-spacing: 0.48px; } #tYggxiaTHaNarhsM .additional-content { margin-top: 0px !important; } #tYggxiaTHaNarhsM .additional-content ul li { margin-bottom: 0; } #tYggxiaTHaNarhsM .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #tYggxiaTHaNarhsM .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #tYggxiaTHaNarhsM .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #tYggxiaTHaNarhsM .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #tYggxiaTHaNarhsM .shArrow { width: 12px; height: 7px; } #tYggxiaTHaNarhsM span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #tYggxiaTHaNarhsM .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #tYggxiaTHaNarhsM .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #tYggxiaTHaNarhsM #see_more_carrier, #tYggxiaTHaNarhsM .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #tYggxiaTHaNarhsM .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #tYggxiaTHaNarhsM .apy-label p { margin-top: 0px; margin-bottom: 0px; } #tYggxiaTHaNarhsM .disclosure-content ul { padding-left: 18px; } @media (min-device-width : 651px) and (max-device-width : 1023px) { #tYggxiaTHaNarhsM { padding: 0 26px; } #tYggxiaTHaNarhsM .logo-image-wrapper { width: 136px; } #tYggxiaTHaNarhsM .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #tYggxiaTHaNarhsM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #tYggxiaTHaNarhsM .prop-value-container .apy-container { flex: 0 0 44%; } #tYggxiaTHaNarhsM .prop-value-container .mfee-container, #tYggxiaTHaNarhsM .prop-value-container .minvalue-container { flex: 0 0 28%; } #tYggxiaTHaNarhsM .ad-copy-top-section { margin-bottom: 15px; } #tYggxiaTHaNarhsM .sh-row-product-title { max-width: 136px; } #tYggxiaTHaNarhsM .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #tYggxiaTHaNarhsM .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #tYggxiaTHaNarhsM .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #tYggxiaTHaNarhsM .logo-image-wrapper { width: 100%; max-width: 292px; } #tYggxiaTHaNarhsM .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #tYggxiaTHaNarhsM .ad-copy { margin-left: 0; } #tYggxiaTHaNarhsM .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #tYggxiaTHaNarhsM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #tYggxiaTHaNarhsM .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #tYggxiaTHaNarhsM .see-more-text { padding: 16px 15px; } #tYggxiaTHaNarhsM .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #tYggxiaTHaNarhsM .top-section-right { margin-left: 0px; } #tYggxiaTHaNarhsM .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #tYggxiaTHaNarhsM.sizeone .header-section { padding: 6px 10px; } } #tYggxiaTHaNarhsM.sh-box650.device-desktop .row-1 { padding-left: 14px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box700.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box750.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box800.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box850.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box900.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box700.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box750.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box800.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box850.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box900.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box700.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box750.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box800.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box850.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box900.device-desktop .listing-title, #tYggxiaTHaNarhsM.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box700.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box750.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box800.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box850.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box900.device-desktop .shmktpl-button, #tYggxiaTHaNarhsM.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box750.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box800.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box850.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box900.device-desktop .prop-value-container .apy-container, #tYggxiaTHaNarhsM.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box750.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box800.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box850.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box900.device-desktop .prop-value-container .mfee-container, #tYggxiaTHaNarhsM.sh-box950.device-desktop .prop-value-container .mfee-container #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box750.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box800.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box850.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box900.device-desktop .prop-value-container .minvalue-container, #tYggxiaTHaNarhsM.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box700.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box750.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box800.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box850.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box900.device-desktop .sh-row-product-title, #tYggxiaTHaNarhsM.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box700.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box750.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box800.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box850.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box900.device-desktop .disclosure-content ul li, #tYggxiaTHaNarhsM.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box700.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box750.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box800.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box850.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box900.device-desktop .ad-copy-top-section, #tYggxiaTHaNarhsM.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width : 767.5px) { #tYggxiaTHaNarhsM.sh-box650.device-desktop .row-1, #tYggxiaTHaNarhsM.sh-box700.device-desktop .row-1 , #tYggxiaTHaNarhsM.sh-box650.device-desktop .row-2, #tYggxiaTHaNarhsM.sh-box700.device-desktop .row-2 , #tYggxiaTHaNarhsM.sh-box500.device-desktop .row-1, #tYggxiaTHaNarhsM.sh-box550.device-desktop .row-1 , #tYggxiaTHaNarhsM.sh-box500.device-desktop .row-2, #tYggxiaTHaNarhsM.sh-box550.device-desktop .row-2{ display: unset; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box700.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box550.device-desktop .ad-copy, #tYggxiaTHaNarhsM.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box700.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box550.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box500.device-desktop .apy-label, #tYggxiaTHaNarhsM.sh-box650.device-desktop .prop-value, #tYggxiaTHaNarhsM.sh-box700.device-desktop .prop-value, #tYggxiaTHaNarhsM.sh-box550.device-desktop .prop-value, #tYggxiaTHaNarhsM.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box700.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box550.device-desktop .logo-image-wrapper, #tYggxiaTHaNarhsM.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #tYggxiaTHaNarhsM.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#tYggxiaTHaNarhsM.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#tYggxiaTHaNarhsM.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#tYggxiaTHaNarhsM.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #tYggxiaTHaNarhsM .shmktpl-title, #tYggxiaTHaNarhsM .sub-heading-container, #tYggxiaTHaNarhsM .filter-check-options-cntnr, #tYggxiaTHaNarhsM .listing-header-cntnr { display: none; } #tYggxiaTHaNarhsM.title .shmktpl-title, #tYggxiaTHaNarhsM.subHeading .sub-heading-container, #tYggxiaTHaNarhsM.multiSelectFilter .filter-check-options-cntnr, #tYggxiaTHaNarhsM.resultsText .listing-header-cntnr { display: flex; } #tYggxiaTHaNarhsM.sizeone .add-overlay-content { width: 62%; height: auto; } #tYggxiaTHaNarhsM.sizeone .disclosure-title { padding: 6px 0px; } #tYggxiaTHaNarhsM.sizeone .header-section { padding: 6px 24px; background: #FFFFFF; color: grey; align-items: center; } #tYggxiaTHaNarhsM .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #tYggxiaTHaNarhsM.sizeone .title-container { margin-top: 0; } #tYggxiaTHaNarhsM.sizeone .non_featured_list { margin-top: 0; } #tYggxiaTHaNarhsM.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #tYggxiaTHaNarhsM.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #tYggxiaTHaNarhsM .item { flex: 1 1 calc(50% - 48px); } #tYggxiaTHaNarhsM .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #tYggxiaTHaNarhsM .item:nth-of-type(4n+3), #tYggxiaTHaNarhsM .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #tYggxiaTHaNarhsM .item:nth-of-type(4n+1), #tYggxiaTHaNarhsM .item:nth-of-type(4n+1) + * { background-color: #fff; } #tYggxiaTHaNarhsM .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #tYggxiaTHaNarhsM .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #tYggxiaTHaNarhsM .desktop, #tYggxiaTHaNarhsM .desktop-inline { display: none; } #tYggxiaTHaNarhsM .mobile { display: block !important; } #tYggxiaTHaNarhsM { padding: 0 18px; } #tYggxiaTHaNarhsM .shmktpl-title { font-size: 24px; line-height: 29px; } #tYggxiaTHaNarhsM .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #tYggxiaTHaNarhsM .add-overlay-content { width: 80%; height: auto; } #tYggxiaTHaNarhsM .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #tYggxiaTHaNarhsM .row-1 { flex-flow: column; padding: 16px; } #tYggxiaTHaNarhsM .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #tYggxiaTHaNarhsM .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #tYggxiaTHaNarhsM .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #tYggxiaTHaNarhsM .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #tYggxiaTHaNarhsM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #tYggxiaTHaNarhsM .prop-value { margin-top: 0; } #tYggxiaTHaNarhsM .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #tYggxiaTHaNarhsM .non_featured_list { margin-top: 18px; } #tYggxiaTHaNarhsM .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #tYggxiaTHaNarhsM .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #tYggxiaTHaNarhsM .item:nth-child(3n), #tYggxiaTHaNarhsM .desktop-bg { background: none; } #tYggxiaTHaNarhsM .prod-desc-popup-content { padding: 0; } #tYggxiaTHaNarhsM .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #tYggxiaTHaNarhsM .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #tYggxiaTHaNarhsM .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #tYggxiaTHaNarhsM .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #tYggxiaTHaNarhsM .disclosure-content ul { padding-left: 14px; line-height: 28px; } #tYggxiaTHaNarhsM .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #tYggxiaTHaNarhsM .additional-features { flex: 0 0 100%; } #tYggxiaTHaNarhsM .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #tYggxiaTHaNarhsM.sizeone .listing-header-cntnr { display: none; } #tYggxiaTHaNarhsM.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #tYggxiaTHaNarhsM .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #tYggxiaTHaNarhsM .prod-desc-popup-content { position: fixed; } } #tYggxiaTHaNarhsM.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #tYggxiaTHaNarhsM.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #tYggxiaTHaNarhsM.listingAlignment .logo-image-wrapper img { width: 100%; } #tYggxiaTHaNarhsM.listingAlignment { padding: 0px; } #tYggxiaTHaNarhsM.listingAlignment .listing-title { font-size: 14px; } #tYggxiaTHaNarhsM.listingAlignment .listing-title span { font-size: 14px; } #tYggxiaTHaNarhsM.listingAlignment .row-1 { padding: 26px 10px; } #tYggxiaTHaNarhsM.listingAlignment .prop-name { font-size: 10px; } #tYggxiaTHaNarhsM.listingAlignment .prop-value { font-size: 14px } #tYggxiaTHaNarhsM.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #tYggxiaTHaNarhsM.listingAlignment .logo-column.flex-container { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .prop-conatiner { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .ad-copy-column.flex-container { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .cta-column.flex-container { flex: unset; } #tYggxiaTHaNarhsM.listingAlignment .disclosure-content ul li::before { content: unset; } #tYggxiaTHaNarhsM.listingAlignment .disclosure-content ul li { list-style: disc; } } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #tYggxiaTHaNarhsM.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #tYggxiaTHaNarhsM.ctaAlignment .cta-column.flex-container { display: block !important; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button { font-size: 16px; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #tYggxiaTHaNarhsM.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #tYggxiaTHaNarhsM .sh-no-listing-msg { padding: 20px 0px; } #tYggxiaTHaNarhsM .sh-widget-footer-MBT { display: none; } #tYggxiaTHaNarhsM.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #tYggxiaTHaNarhsM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #tYggxiaTHaNarhsM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #tYggxiaTHaNarhsM .sh-widget-footer-QS { display: none; } #tYggxiaTHaNarhsM.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #tYggxiaTHaNarhsM.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #tYggxiaTHaNarhsM.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { min-width: 440px; height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #2c93e4; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 12px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #1d70b1; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #2c93e4; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 10px; } } @media (max-width : 767px) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; height: auto !important; min-width: 100% !important; padding: 8px 9px; margin-bottom: 8px; box-sizing: content-box; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 12px; } #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #546F8E; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #tYggxiaTHaNarhsM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } } } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title, #tYggxiaTHaNarhsM.customizeColorEffect .prop-name, #tYggxiaTHaNarhsM.customizeColorEffect .prop-value, #tYggxiaTHaNarhsM.customizeColorEffect .curDate, #tYggxiaTHaNarhsM.customizeColorEffect span.current-date, #tYggxiaTHaNarhsM.customizeColorEffect .disclosure-content ul li, #tYggxiaTHaNarhsM.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #tYggxiaTHaNarhsM.customizeColorEffect .add-text, #tYggxiaTHaNarhsM.customizeColorEffect .see-more-text, #tYggxiaTHaNarhsM.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #tYggxiaTHaNarhsM.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #tYggxiaTHaNarhsM.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #tYggxiaTHaNarhsM.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #tYggxiaTHaNarhsM.sizeone.customizeColorEffect .header-section, #tYggxiaTHaNarhsM.customizeColorEffect .row-2 { background: #E9F0EC; } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title { display: unset; } #tYggxiaTHaNarhsM.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title .prod-name:hover, #tYggxiaTHaNarhsM.customizeColorEffect .listing-title:hover, #tYggxiaTHaNarhsM.customizeColorEffect .add-text:hover, #tYggxiaTHaNarhsM.customizeColorEffect .disclosure-contnr .text:hover, #tYggxiaTHaNarhsM.customizeColorEffect .see-more-text:hover { color: #EB0017; } #tYggxiaTHaNarhsM.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #tYggxiaTHaNarhsM.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #tYggxiaTHaNarhsM.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #tYggxiaTHaNarhsM.customizeColorEffect .listing-title { display: block; } #tYggxiaTHaNarhsM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #tYggxiaTHaNarhsM.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #tYggxiaTHaNarhsM .sh-right-arrow { display: none; } #tYggxiaTHaNarhsM.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #tYggxiaTHaNarhsM.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #tYggxiaTHaNarhsM .listing-content-wrapper .disclosure-content a { color: #1C96F0; text-decoration: underline; } #tYggxiaTHaNarhsM .add-overlay-content {right: 4%;top: 0%;}#tYggxiaTHaNarhsM .shmktpl-button span.btn__text::after{display:none;} @media (min-width:768px){ #tYggxiaTHaNarhsM .shmktpl-button:hover{background:#0E86DE;} #tYggxiaTHaNarhsM .add-text:hover {color:#0E86DE;} #tYggxiaTHaNarhsM .listing-title .prod-name:hover{color:#0E86DE;} #tYggxiaTHaNarhsM .disclosure-contnr .text:hover{color:#0E86DE;} #tYggxiaTHaNarhsM .see-more-text{width:68px} #tYggxiaTHaNarhsM .see-more-text:hover{color:#0E86DE;} #tYggxiaTHaNarhsM .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer174, #qsWidgetContainer174 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer174 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer174 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer174 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer174 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer174 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer174 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer174 .listing:first-child { margin-top: 0; } #qsWidgetContainer174 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer174 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer174 .logo-column.flex-container, #qsWidgetContainer174 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer174 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer174 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer174 .apy-label, #qsWidgetContainer174 .curDate, #qsWidgetContainer174 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer174 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer174 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer174 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer174 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer174 .prop-value-container { align-items: stretch; } #qsWidgetContainer174 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer174 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer174 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer174 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer174 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer174 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer174 #sh-star-icon { top: -2px; } #qsWidgetContainer174 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer174 #see_more_carrier, #qsWidgetContainer174 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer174 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer174 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer174 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer174 .shmktpl-sponsored, #qsWidgetContainer174 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer174 .sh-logo { flex-shrink: 1; } #qsWidgetContainer174 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; 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} #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsPenFed offers one basic savings account and one high-yield savings account to boost your earnings. Predictably, the high-yield account earns interest at a substantially more generous rate than the basic one.Joining PenFed starts with opening a savings account and making a minimum deposit of at least $5 .It’s also worth noting that PenFed offers an IRA savings account requiring a minimum $25 opening deposit.PenFed Credit Union savings account featuresMinimum opening deposit$5Monthly fees$0Top APY0.05%–2.70%Monthly transfer limitUnlimitedBank details checked as of Nov. 7, 2025.Regular SavingsMinimum opening deposit:$5Monthly fees:$0  APY:0.05% Monthly transfer limit:Unlimited ATM card:Yes Premium Online SavingsMinimum opening deposit:$5Monthly fees:$0APY:2.70%Monthly transfer limit:Unlimited ATM card:Yes Bank details checked as of Nov. 7, 2025.Share certificatesIf you’re after the highest returns and willing to keep your savings on deposit longer, PenFed offers several share certificates that are more generous than what’s offered from its savings account. Just keep in mind that there are early withdrawal penalties for withdrawing your money before your account matures—so it’s higher stakes than a savings account. PenFed issues three types of share certificates with unique terms, return rates, minimum opening deposits, and early withdrawal penalties.PenFed Credit Union share certificatesMinimum opening deposit$500 –$1,000Term lengths6, 12, 15, 18, 24, 36, 48, 60, 84 monthsAPYUp to 3.90%Early withdrawal penaltiesUnlimitedMoney market share certificates Of all PenFed share certificates, its money market options provide the highest APY and the most freedom when it comes to term lengths. They require a $1,000 opening deposit. PenFed Credit Unionmoney market share certificate featuresMinimum opening deposit$1,000Term lengths6, 12, 15, 18, 24, 36, 48, 60, 84 monthsAPY2.70%-3.10%Early withdrawal penalties– Terms of 6 months or 182 days: Loss of most recent 90 days of dividends earned – Terms of 12, 15, 18, 24, 36, 48, 60, and 84 months: Within 365 days of account opening, a penalty of the last 365 days of dividends earned; after 365 days from account opening, 30% of gross amount of dividends had the account reached maturityPenFed money market share certificate ratesTerm lengthAPY6 months2.70%12 months3.10%15 months3.10%18 months3.10%24 months3.00%36 months3.00%48 months2.90%60 months2.90%84 months2.90%6 monthsAPY2.70%12 monthsAPY3.10%15 monthsAPY3.10%18 monthsAPY3.10%24 monthsAPY3.00%36 monthsAPY3.00%48 monthsAPY2.90%60 monthsAPY2.90%84 monthsAPY2.90%Bank details checked as of Nov. 7, 2025.Individual retirement account (IRA) share certificates PenFed gives you the option to choose between a traditional, Roth, or Simplified Employee Pension (SEP) IRA CD. PenFed enforces its own early withdrawal penalties—and so does the IRS—for those that take an IRA distribution before age 59 ½. If you’re at or above this age, you can take partial withdrawals without penalty. To open an IRA share certificate, you’ll need to download the appropriate form (based on whether you’re new to PenFed, you’ve got a current IRA you’d like to transfer, or if you have current PenFed IRA funds you’re trying to convert into an IRA certificate), and then upload them to the site. You can also mail or fax the form. PenFed Credit Union IRA share certificate featuresMinimum opening deposit$1,000Term lengths1, 2, 3, 4, 5, 7 yearsAPYUp to 3.00%Early withdrawal penalties– If withdrawn within the first year: All dividends forfeited – If withdrawn after the first year: 30% of earnings had the certificate been held to maturity (capped at your total dividends earned)  * No penalty applied if the account holder is at least 59 ½PenFed IRA share certificate rates Term lengthAPY12 months3.00%24 months2.90%36 months2.90%48 months2.80%60 months2.80%84 months2.80%12 monthsAPY3.00%24 monthsAPY2.90%36 monthsAPY2.90%48 monthsAPY2.80%60 monthsAPY2.80%84 monthsAPY2.80%Bank details checked as of Nov. 7, 2025.Coverdell Education Savings share certificates PenFed’s service-fee-free Coverdell Education Savings share certificates are a tax-free way to save for school. They’ve got a lower minimum opening deposit requirement of $500 —but a maximum contribution limit of $2,000 per year. To open this account, you’ll have to call PenFed at 800-247-5626 or visit a branch. Alternatively, you can download a form online and upload or mail it.PenFed Credit Union Coverdell Education Savings share certificate featuresMinimum opening deposit$500Term lengths1, 2, 3, 4, 5, 7 yearsAPY2.80%–3.00%Early withdrawal penalties30% of what would have been earned if the account reached maturity (capped at total dividends earned)PenFed Coverdell Education Savings share certificate rates Term lengthAPY12 months3.00%24 months2.90%36 months2.90%48 months2.80%60 months2.80%84 months2.80%12 monthsAPY3.00%24 monthsAPY2.90%36 monthsAPY2.90%48 monthsAPY2.80%60 monthsAPY2.80%84 monthsAPY2.80%Bank details checked as of Nov. 7, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Other services PenFed Credit Union offersIn addition to its healthy selection of deposit accounts, PenFed offers products and services such as: Credit cards:PenFed offers several credit cards with low or no annual fees and extremely reasonable APRs. Auto loans:Members can secure auto financing or refinance an existing loan and purchase protection, such as guaranteed asset protection (GAP) coverage. Mortgages:In addition to conventional mortgages, PenFed is also a lender of Federal Housing Administration (FHA), Veterans Affairs (VA), and jumbo loans. It also offers refinancing and home equity lines of credit. Personal loans:PenFed offers personal loans with terms of up to 60 months. Student loans:Students can borrow funds to pay for college and refinance existing student loans. Online banking You can use PenFed’s online banking and mobile app to deposit checks, set travel alerts, review account transactions, check the status of a loan or credit card, make payments, transfer funds, and more. The PenFed Credit Union platform and customer supportCustomers can access a robust online banking platform through PenFed’s mobile app, which has a rating of 4.8 stars in the Apple App Store and 4.5 stars on Google Play across well over 60,000 reviews. PenFed customer service operates from Monday to Saturday between 8 a.m. and 8 p.m. Eastern Time. You can reach a representative by phone at 800-247-5626. If you need to contact a PenFed representative, representatives are available by phone Monday through Saturday from 8 a.m. to 8 p.m. Eastern Time. You can also fill out an online form to schedule a call or use the online chat feature at the bottom of the contact page. Is PenFed Credit Union secure?PenFed works in a variety of ways to keep your information secure, including the implementation of multi-factor authentication, security alerts, and the ability to track login activity. The credit union is also covered by the National Credit Union Administration (NCUA), insuring up to $250,000 per account holder per ownership category. PenFed Credit Union user reviewsBanks and credit unions tend to receive poor online reviews. That’s because a disgruntled customer is more likely to write a review than a customer who experienced no issues. With that in mind, PenFed receives a more than respectable 3.8 stars on Trustpilot. Customers rave about the excellent customer service and willingness to forgive fees. Others complain about occasional IT glitches, such as with its website, bill payment feature, and Zelle. On forums like Reddit, users also have great things to say about PenFed’s customer service and overall lack of issues. Compare PenFed Credit Union alternativesPenFed is a strong choice for someone who wants to keep all their banking under one umbrella. But, it doesn’t always offer the highest rates on the market. Alliant Credit Union and SoFi are two institutions worth a look for those seeking to maximize interest earnings.PenFed Credit UnionSoFi®Member FDICAlliant Credit UnionTop savings APYTop savings APYTop savings APY2.70%Get up to 3.60%.1 Get a 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.23.10%Top checking APYTop checking APYTop checking APY0.35%0.50%0.25%Top CD APYTop CD APYTop CD APY3.10%N/A4.10%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat SoFiView offerat MoneyLionBank details checked as of Nov. 7, 2025.Is PenFed Credit Union right for you?PenFed offers a wide range of products, making it ideal for those interested in having all accounts at the same institution. Its customer service hours are also abnormally lengthy, as representatives are available 12 hours per day, six days a week. That said, its savings and share deposit APYs don’t always compete with what you can find at many online banks—and its mobile apps leave room for improvement. Again, if you’re interested in in-person banking, make sure you’ve got a PenFed branch near you before enrolling; they’re far from ubiquitous. Frequently asked questionsWho can join PenFed Credit Union?PenFed’s membership is open to anyone in the U.S. by opening a savings account and depositing at least $5.Does PenFed have free checking accounts?Yes, PenFed offers one checking account with no minimum balance requirement and no monthly fees.What is the minimum deposit to open a PenFed account?You’ll need to deposit at least $5 to open a PenFed savings account, $25 to open a free checking account, and between $500 and $1,000 to open a PenFed share certificate account.How many ATMs does PenFed have?PenFed states that it has more than 85,000 fee-free ATMs.Is PenFed FDIC-insured?No. PenFed is a credit union, which is insured by an entity called the National Credit Union Administration (NCUA). You’ll be covered for $250,000 per account holder per ownership category—similar to the FDIC.SoFi disclaimer1:Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings.Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet2: 0.70% Savings APY BoostEarn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current ARM mortgage rates report for Oct. 31, 2025
Personal Finance 2025-12-24 11:02:06

Current ARM mortgage rates report for Oct. 31, 2025

While fixed-rate mortgages are far more popular than adjustable-rate mortgages, the latter are worth considering if you’ve got a little tolerance for uncertainty. That’s because an ARM may offer a low rate during its introductory period before adjustments kick in—making this loan type potentially attractive for folks planning to rent out or flip the property they’re buying, or who are planning to move before the introductory period comes to an end.Stay with us and we’ll walk you through how ARMs work, take a look at when they might be considering instead of a regular fixed-rate mortgage, and consider current ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of October 30, 2025. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.625%5.750%6.250%APR6.518%6.523%6.796%Interest RateBank of America 7/6 ARM5.625%U.S. Bank 7/6 ARM5.750%Zillow Home Loans 7/6 ARM6.250%APRBank of America 7/6 ARM6.518%U.S. Bank 7/6 ARM6.523%Zillow Home Loans 7/6 ARM6.796%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate home loans represent roughly 92% of all U.S. mortgages—a testament to their reliability. Unlike ARMs, which allow interest rate changes after an initial period, fixed-rate loans guarantee one rate for the life of the mortgage. This predictability makes them appealing to many.Still, ARMs may offer benefits in certain situations. After all, about 8% of borrowers opt for them over the more common fixed-rate loans.When you might consider an adjustable-rate mortgageThree types of buyers may favor ARMs:Short-term homeowners:If relocation is likely within a few years, ARMs may offer savings through low introductory rates while moving before future adjustments become a concern. But, weigh carefully if you’ll actually be able to move out of your starter home as quickly as you intend. Property investors:Investors may leverage ARMs for a low initial rate, then may flip the home before adjustment periods kick in or may increase rent during periods of higher interest rates if they’re renting out the property. Buyers facing elevated interest levels:During high-interest periods, ARMs might offer a lower rate during the introductory time frame and even the potential for rate reductions down the line if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs generally start with low fixed interest periods lasting three to 10 years before shifting into adjustment periods. During the adjustments, your rate will be influenced by factors including:Benchmark indices like SOFR:Your ARM will typically be tied to a benchmark, commonly SOFR. This rate reflects the cost for banks to borrow cash overnight. The U.S. Treasury publishes a new SOFR each morning.Margins added by lenders:Margins are fixed percentages, which can often range between 2% and 3.5%, added by lenders to whatever benchmark is used for your ARM. The benchmark plus the margin helps determine your mortgage rate. These can vary based on things like your specific lender and your credit profile. Rate caps:Adjustment caps limit how much your rate can increase during specific intervals or over the loan’s lifetime. These can include initial, subsequent, and lifetime caps.Common ARM structures include the 5/1 ARM (five years fixed, then annual adjustments) and the 10/6 ARM (10 years fixed, then adjustments every six months). Other structures include 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageSometimes, circumstances change. Maybe you bought a home intending to flip it, then realized it made a lot of sense to keep as your primary residence. Or maybe you bought a starter home and then realized you wouldn’t be moving as quickly as intended. In the latter case, you’re not alone. A large chunk of Millennial and Gen Z homeowners are sticking it out with their starter homes because they can’t afford to upgrade.In such situations, it might make sense to refinance from an ARM to a fixed-rate mortgage. The process for doing this is much the same as refinancing from one fixed-rate loan to another. You’ll shop around with various lenders, submit the documents required for the application, and pay off your existing loan in full with the new one.Pros and cons of adjustable-rate mortgagesAs with any mortgage type, ARMs have benefits and drawbacks. Evaluate them carefully with a trusted loan officer to decide if this is the best type of mortgage for your situation. To get you started, a few key points are outlined below.N/AProsPotential for a lower introductory rate compared with fixed-rate loans.Chance for reduced monthly payments if the market improves and rates go down.Some borrowers might find qualifications less stringent on ARMs.ConsMonthly payments can increase significantly after the fixed period ends.Comparing offers is likely to be more complicated than with fixed-rate loans.There’s less predictability and stability compared to fixed-rate mortgages.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tears flow and fury grows as Ruben Amorim 'abandons' Sporting Lisbon
Sports 2025-12-23 21:43:57

Tears flow and fury grows as Ruben Amorim 'abandons' Sporting Lisbon

Shuffling up the steps from the Campo Grande metro station, there was an air of sadness that hung over everyone in green and white. For one elderly gentleman it soon became all too much.'It will indeed be a significant loss,’ he tells a local reporter before he bursts into tears. Strangers are offering out hugs. Shuffling up the steps from the Campo Grande metro station, there was an air of sadness that hung over everyone in green and white. For one elderly gentleman it soon became all too much. 'It will indeed be a significant loss,’ he tells a local reporter before he bursts into tears. Strangers are offering out hugs. Down by the bifana (a classic Portuguese sandwich) food trucks, arguments are breaking out about whether Amorim will face boos when he shows his face at the stadium. Earlier in the day at a supporters’ bar, Amorim memorabilia is being taken down and hidden away. One bar manager even instructs her bar tender to mute the television so as not to hear the word ‘Manchester’ on the live broadcast any more. Even without total confirmation of his departure come kick-off here, this League Cup match against Nacional was being treated as a day of mourning. It was too soon even for gallows humour when Mail Sport joked that the stress of Manchester United may well ruin Amorim’s thick head of hair. https://img.allfootballapp.com/www/M00/59/9C/720x-/-/-/CgAGVmchY1yAVOK-AAGWVyH8V5c439.jpg Others were not so magnanimous in their words; furious with a man they were now labelling as a ‘traitor’. ‘Anyone who abandons a project halfway through is not a man, he is a rat,’ one fan fumed to a friend as scarves adorned with his face spill out of a box on a nearby stall. ‘I hope that the man who spent weeks and weeks making the speeches he did does not run away like a rat.’ There were no discounts to the Amorim scarves or flags. €7.50 take it or leave it we were told. There should be some fresh ones in print ready for Sir Matt Busby Way in no time. This was a day where Amorim wanted to hide away, quickly realising that the joviality with which he started the day was not shared by others and he needed to abandon the happy-go-lucky show. Mobbed in the early morning as he strolled along in a beige cardigan and an unkempt white shirt, he offered up a charming smile and would not be drawn on reports of his talks with Ineos supremo Sir Dave Brailsford. Across the city, the short-and-sweet interview was playing on a loop to a despairing public. Sources here familiar with those talks detailed how Amorim was under no illusion that he wanted to be the next man to try and turn Manchester United around after they concluded. He headed for the sanctuary of the training ground by 10.05am, protected from the camera flashes by the bus’ tinted windows. And when he appeared at the stadium to lukewarm applause it was his head bowed, not that of supporters, as he sheepishly shuffled out onto the pitch. Pacing up and down his technical area like a child waiting to hear the punishment from their parents, he gave the impression of a man desperate for this charade of a match - which few seemed to care about with large swathes of empty seats - to end. He paused often, taking sips from a nearby water bottle, but was not the animated character many here are accustomed to. With eyes burning a hole in the back of his head he took up a crouched squatting position. By the time they opened the scoring early in the second half through Morten Hjulmund there was barely a flicker of emotion. Embarrassment perhaps the overriding one Amorim wanted to shrug off. ‘There are several factors that need to be analysed,’ commentator Mario Cagica told Mail Sport said passionately in the manager’s defence. ‘On one hand, you have to understand Ruben Amorim's side of the story. He has done a brilliant job at Sporting, perhaps the best coach in the club's last 70 years, and here he has a once-in-a-opportunity to take over a major European team in a context identical to the one he found at Sporting: a team that is lost and needs direction. ‘It's a good opportunity, a good challenge for Amorim and it's understandable that the coach has accepted the project at this stage because he could run the risk of the opportunity not appearing so soon again if things went wrong at Sporting.’ For fans words and defences of Amorim ring hollow. It was Monday when Amorim spoke of his pride at coaching Sporting. A determination to guide Sporting - who have won nine games from nine, scoring 30 and conceding only two - to a third league title under his watch. Less than 24 hours his bags were packed and he was ready to head for England. To many it stings. Andre is a lifelong Sporting fan that heads to this match with his Benfica-supporting friend Ruben. The jokes are endless coming from one direction. ‘At work I felt like crying,’ Andre told Mail Sport. ‘It feels wrong that he leaves now. I don’t care about this game, I don’t. I want Amorim to stay, we need him to stay.’ Fred, a season-ticket holder for more than 10 years, first jokes he won’t speak because everything about England has ruined his mood. ‘I am incredibly sad. The way he built this team, created this team, we just have to be happy he got to have a part in this story.’ There is an irony in the fact that going back to 2021, when Manchester United found themselves searching for a manager after the sacking of Ole Gunnar Solskjaer, the question was put to Amorim if he was the right man for the job. ‘United? We are talking about rumours, my future is clear,’ he said that day. ‘I don't know how many names were talked about, I don't give much importance. If you allow me the opinion, United should take Ten Hag later this week. It was something that would make me very happy.’ Amorim was being cheeky then with Sporting about to face Ten Hag’s Ajax. Now it is ironic that almost three years on from that fateful response, it is Amorim United are turning to to clean up his recommendation’s mess. Funny how that works out.

Earn up to 4.20% APY with the best CD rates available on Nov. 5, 2025
Personal Finance 2026-01-11 10:49:18

Earn up to 4.20% APY with the best CD rates available on Nov. 5, 2025

You’ve still got time to earn solid returns in a certificate of deposit, but don’t delay. The Federal Reserve cut interest rates three times in 2024, and made two long-awaited cuts in 2025 at its September and October meetings, which means average CD yields are well off their past record highs.Currently, the best CD rates offer up to 4.20% annual percentage yield. If you fund a certificate of deposit on November 5, 2025, you could lock in a higher rate for years, depending on what term length best fits your financial objectives.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser Disclosure Advertiser Disclosure:Powered By:/* Loader */ #GQjWquANcykEQOzL .sh-spinner { display: none; } #GQjWquANcykEQOzL.listingsLoading .sh-spinner { display: block; } #GQjWquANcykEQOzL.listingsLoading .sh-widget-render-result { display: none; } #GQjWquANcykEQOzL.listingsLoaded .sh-widget-render-result { display: block; } #GQjWquANcykEQOzL.listingsLoaded .sh-spinner { display: none; 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text-align: left; max-width: 400px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-promo, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-promo, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-promo-offer-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-promo-offer-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-title-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-title-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-fdic-dis-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-fdic-dis-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-cta-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-cta-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-cta-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-cta-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .mobile-bottom-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .mobile-bottom-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #GQjWquANcykEQOzL.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #GQjWquANcykEQOzL.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-title-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #GQjWquANcykEQOzL.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #GQjWquANcykEQOzL.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #GQjWquANcykEQOzL.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #GQjWquANcykEQOzL.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #GQjWquANcykEQOzL .sh-row-container.sh-apy-value { height: 24px; } #GQjWquANcykEQOzL .sh-title-container { height: 45px; } #GQjWquANcykEQOzL .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #GQjWquANcykEQOzL .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #GQjWquANcykEQOzL .sh-first-product .sh-title-container { height: 72px; } #GQjWquANcykEQOzL .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #GQjWquANcykEQOzL .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #GQjWquANcykEQOzL .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #GQjWquANcykEQOzL .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #GQjWquANcykEQOzL .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #GQjWquANcykEQOzL .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #GQjWquANcykEQOzL .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #GQjWquANcykEQOzL.loadingMessage .sh-loading-msg { display: block; } #GQjWquANcykEQOzL.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #GQjWquANcykEQOzL .sh-loading-msg { font-size: 18px; } } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-container { align-items: center; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #GQjWquANcykEQOzL .sh-row-product-title.sh-bank-name { display: none; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #GQjWquANcykEQOzL.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #GQjWquANcykEQOzL.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #GQjWquANcykEQOzL.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #GQjWquANcykEQOzL.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #GQjWquANcykEQOzL.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box650.device-desktop .sh-first-product .sh-row2-container, #GQjWquANcykEQOzL.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #GQjWquANcykEQOzL .sh-gb-banner.sh-promo { display: none !important; } #GQjWquANcykEQOzL.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #GQjWquANcykEQOzL.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #GQjWquANcykEQOzL.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #GQjWquANcykEQOzL.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-title{ font: normal normal bold 18px/24px Roboto; margin: 0 0 23px 0; text-align: left; max-width: 100%; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-fdic-dis-container{ display: block; max-width: 100%; margin: auto; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-gb-banner.sh-promo{ display: none !important; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .product-details-container{ display: flex; justify-content: space-evenly; max-width: 100%; margin: unset; border-bottom: 1px solid #D0E0EE; margin-top: unset; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container{ height: auto; display: flex; flex-flow: row nowrap; align-items: unset } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: unset; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row2-container{ order: unset; height: unset; flex: 0 0 150px; padding-top: unset; box-sizing: unset; background-color: transparent; position: relative; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: unset; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: unset; margin-right: 15px; width: 100%; padding: 1px 0 10px 0; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font: normal normal bold 24px/24px Roboto; padding: 12px 0px; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-cta-container{ padding: 12px 0px; box-sizing: unset; border-bottom: unset; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-title-container{ display: none; margin: unset; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-promo{ width: 100%; margin: -10px 0 20px; text-align: left; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-promo .sh-promo-text{ font: normal normal normal 16px/24px Roboto; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #GQjWquANcykEQOzL.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; 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} #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #GQjWquANcykEQOzL.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; 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font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }The best CD rates on November 5, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a six-month CD with a 4.20% APY, but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the highest CD rates on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with some or all of the institutions on the list above, that’s no accident. Big banks—Chase, PNC, and U.S. Bank, for example—are more focused on products like loans and credit cards rather than certificates of deposit. Consequently, they tend to offer CD rates that can suffer in comparison to smaller regional institutions or online banks.CD rates news 2025CD investors should understand that market rates are closely tied to Federal Reserve policy decisions, more specifically changes to the fed funds rate. Staying informed about fed interest rate policy is vital for anyone investing in certificates of deposit.The Fed cut rates three times in 2024, with the final rate reduction in December fixing fed funds at 4.25%-4.50%. The central bank cut rates to support the economy as inflation finally began to subside after its pandemic surge. As a consequence, CD rates came off their recent highs.At its Sept. 16-17, 2025 meeting, the Fed initiated the first rate cut of the year, and followed up with another cut when it met Oct. 28-29. Now, the federal funds rate stands at 3.75%-4.00%. Some CD offerings dipped around the time these cuts rolled out.There’s one more Fed meeting on the calendar this year, with the next one set for Dec. 9-10. CD rates could well dip further if banks anticipate the Fed will enact another cut.The strong average CD yields of 2022 and 2023 were a direct result of the Fed’s post-pandemic rate hike campaign. From March 2022 through July 2023, the FOMC hiked interest rates eleven times, taking fed funds from zero to 5.25%-5.50%. The central bank took action as inflation grew at higher rates than at any time since the 1980s.Remember, current CD rates aren’t far off their recent highs. Investors have an opportunity to secure attractive rates on both short-term and long-term certificates. By placing a larger lump sum into your CD account, you can earn substantial interest.Historical CD ratesIn the early 1980s, CD rates surged into double digits, starkly contrasting with lower rates in 2025. By 2019, however, the APY for a 5-year CD had slightly exceeded 3.00%.Throughout the early 2020s, top rates typically remained below 1.00% APY. In recent years, rates saw a significant increase, with the best offerings surpassing 5.00% APY in 2024. In 2025, however, we’ve seen many rates just under or just above the 4.00% mark.How to get a good CD rateDetermining what constitutes a good CD rate involves striking a balance between the highest rate available and your willingness to lock your money up for a specified term. For instance, investing a large sum in a five-year CD yielding 5.00% may not be a good choice if you need the money sooner or if you believe interest rates could start rising again. But generally speaking, rates that exceed the national average are considered worthwhile. Key factors to consider when comparing CDs include:Term length:Ensure it aligns with your savings goals and timeline.APY:Higher rates typically are offered for longer terms.Minimum deposit:Make sure you can meet the required initial balance.Penalties:Understand the costs associated with withdrawing funds before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)-insured for deposit protection.Note that online banks typically offer better CD yields—just be mindful of any minimum balance requirements and associated fees. Choosing a bank over a broker can sometimes help avoid unnecessary fees.Look into offerings from online banksOnline banks and fintech companies generally offer more competitive rates than big national banks. Large financial institutions primarily earn revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Moreover, online banks typically operate with lower overhead costs, allowing them to pass better rates on to their clients.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Set up a CD ladderCD ladders are perfect for savers who are hesitant to commit funds for extended periods of time. By diversifying savings across CDs with different maturity dates, you can benefit from both short-term accessibility and higher long-term interest rates.For instance, say you invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, you can reinvest the funds into a new 3-year CD. This approach allows annual access to your money along with the accrued interest.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Jota out until after international break, Slot confirms
Sports 2025-12-18 15:25:33

Jota out until after international break, Slot confirms

Arne Slot confirmed Diogo Jota will not be available for Liverpool until after the international break, as the forward remains sidelined with a rib injury.Jota has missed the Reds' last two games after a collision with Chelsea defender Tosin Adarabioyo forced him off during their 2-1 win over the Blues on October 20, Arne Slot confirmed Diogo Jota will not be available for Liverpool until after the international break, as the forward remains sidelined with a rib injury. Jota has missed the Reds' last two games after a collision with Chelsea defender Tosin Adarabioyo forced him off during their 2-1 win over the Blues on October 20, The 27-year-old will also be absent from Liverpool's next four matches, including Wednesday's Carabao Cup clash with Brighton and Hove Albion, as well as home games against Bayer Leverkusen and Aston Villa. Slot's side also travel to the Amex Stadium without Alisson and Harvey Elliott, who are sidelined with a hamstring injury and fractured foot respectively, while Federico Chiesa's struggles for fitness since his move from Juventus continue. Though the Dutchman revealed youngster Connor Bradley could feature against Brighton, he will have to make do without Jota and Elliott until the end of November at least. "Conor [Bradley] is training with us again, so maybe he could be in the squad [for Wednesday]," Slot said. "Jota not, Alisson not, Harvey Elliott not and Federico [Chiesa] not." Asked whether Jota could return before the international break, the Reds head coach replied: "No, it will be after that. Elliott the same."

How to transform your nights and your life
Health 2026-01-05 03:57:58

How to transform your nights and your life

ContentsUnlock the power of sleepThe science of sleepDreams: The windows to our inner worldTech and Sleep: Frenemies?The consequences of sleep detentionLack of sleep: a modern crisisHealth hazards: more than just feeling tiredRevolutionization of your sleepCultivating best practices for restorative restTechnology at the service of sleepThe wrinkle effects of the sleep revolutionProductivity and professional successPromote relationships and happinessAthletes and sleep: performance improvementBetter Better Lap: your way to a healthier, happier lifeAre you entangled in the whirlwind of life and do you forget the simple but powerful act of sleeping? The sleeping revolution shows you that quality sleep is not only a luxury, but an essential part of your well -being.Although he is overlooked, sleep has the power to improve any facet of life, from work performance to personal happiness. What if rejuvenating your nights could be the key to transform your days?In today’s fast world there is a widespread sleep crisis that affects health and relationships. Many people do not realize how chronic lack of sleep affects them daily. Imagine how a simple reset of your sleeping habits would overhaul your energy levels and the overall quality of life.This is not just a different self-help Mantra-it is about redefining how you approach sleep. So what steps can you take tonight to initiate your own sleeping revolution? With a renewed focus on restful nights, you are ready to unlock a more satisfying life, now starting.Unlock the power of sleepInsight into sleep can transform your life. From decoding the complicated patterns of sleep to exploring the mysterious world of dreams, there is much to discover. And of course we cannot ignore the quirky relationship between technology and sleep.The science of sleepDid you know that sleep is not just a passive state? While you sleep, your brain of activity buzzes.It is a time machine that resets your body and mind for the new day. Sleep science tells us about phases such as brake and non-removes, each playing a unique role in memory consolidation and mood regulation.Sleep tightly and you stimulate your immune system. Miss and it messes with your heart and mental health. Mert -treatment Investments new boundaries here and shows promising results in sleep improvement. It is like an orchestra that tunes for a beautiful concert; Every phase is crucial for harmony.Dreams: The windows to our inner worldEver wondered why dreams matter? They are a look at the subconscious mind, a colorful slide show of your thoughts, fears and ambitions. Dreams can even play a role in emotional healing. Scientists are still surprised by their goal, but agree that they are vital to spiritual well -being..u48149a2b4cea0bf735a0461a45709c3e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u48149a2b4cea0bf735a0461a45709c3e:active, .u48149a2b4cea0bf735a0461a45709c3e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u48149a2b4cea0bf735a0461a45709c3e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u48149a2b4cea0bf735a0461a45709c3e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u48149a2b4cea0bf735a0461a45709c3e .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u48149a2b4cea0bf735a0461a45709c3e:hover .postTitle { text-decoration: underline!important; } See alsoWorld Mental Health Day: 5 things you need to knowYour brain simulates reality and explains scenarios.It is when looking at a quirky art film that is thought by your mind. The deciphering of dreams can be like cracking a code; Patterns and symbols wait for meaning. What do they say about you? That is a mystery wrapped in a mystery.Tech and Sleep: Frenemies?Gadgets can be a double -edged sword to sleep. On the one hand, they offer apps for following sleep patterns, and promise a better morning.On the other hand, those annoying screens can disrupt your sleep rhythm. The blue light of devices is a notorious sleep thief.Finding balance feels like a regions. Ever tried to calm yoga or mindfulness apps? They can help you relax before bed. Or just place the phone an hour before sleep. It’s about being friends with technology, no enemies. Who knew getting more sleep could be as easy as switching off a switch?The consequences of sleep detentionIgnoring the sleep needs of your body can influence you both physically and mentally. Lack of sleep does not only mean some drowsy and yawned afternoons. It has real, tangible effects that accumulate over time.Lack of sleep: a modern crisisWe have experienced it all: those nights when sleep seems elusive and mornings come too fast. But what happens when these nights become a pattern?Sleep crisis is not just a fashion word. About 40% of Americans struggle with not getting rest regularly enough. It is a harmful productivity, creativity and sometimes even your ability to stay awake during a nasty meeting.Lack of sleep not only affects your mood and alertness. It plays tricks in your memory and can even make simple tasks feel like climbing a mountain. Not getting enough sleep means that your brain doesn’t get a chance to properly process and store new information. You forget where you left your keys. And suddenly you can’t remember the name of that person, or why you walked into a room.Health hazards: more than just feeling tiredSleep is not just about resting your eyes. It’s about giving your body time to repair and recharge. The neglect of sleep can invite a whole series of health problems. It is as if you don’t leave your phone – loaded – but you can’t just exchange for a new one.Consistent lack of sleep can increase your risk of health problems such as diabetes, obesity and heart conditions. It influences your metabolic health, which leads to imbalances that can be harmful..u34fe48f3e74848f4b404664cef546618 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u34fe48f3e74848f4b404664cef546618:active, .u34fe48f3e74848f4b404664cef546618:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u34fe48f3e74848f4b404664cef546618 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u34fe48f3e74848f4b404664cef546618 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u34fe48f3e74848f4b404664cef546618 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u34fe48f3e74848f4b404664cef546618:hover .postTitle { text-decoration: underline!important; } See alsoIris Apfel's Life Was An Inspiration And A Charge To ManyNot getting enough rest makes regulating blood sugar levels much more difficult, which increases the possibility of insulin resistance, a precursor of diabetes. However, it is not just your physical health. Your mental well -being also takes the hit, with depression and anxiety often worse due to poor sleeping habits.Revolutionization of your sleepTransforming how you sleep can significantly influence your daily life. By cultivating useful sleeping habits and embracing technology, you can make your way to a future of soothing nights and energetic days.Cultivating best practices for restorative restSleep. It is often elusive, right? Drawing up a consistent sleeping schedule is your first step. Strive to touch the hay and get up every day around the same time. Your body clock will thank you.Stay free from caffeine and heavy meals before bedtime. They mess with your system. Instead, consider calm activities such as reading or soft yoga to close.Create a peaceful sleeping environment, focused on comfort and tranquility. A cool, dark room with a quality mattress can transform your sleeping experience. Keep the sound low and the vibes relax.Technology at the service of sleepTechnology: Friend or enemy for your pillow time? It depends on how you use it. Blue light from screens can be a disaster for your relaxing phase. Setting up devices on night mode or using blue light filters helps you to avoid this problem.Sleep apps and wearables offer insights into your resting patterns. These gadgets follow movements and warn you of poor sleep quality. Some even offer soothing sounds or guided meditations to lead you to Dreamland.Smart Home devices can automate lighting and temperature, creating the perfect lettuce paint. Imagine waking up with a simulated sunrise in the winter or a cozy environment on a hot summer evening. These small tweaks can make a world of difference.The wrinkle effects of the sleep revolutionThe impact of quality sleep goes beyond feeling equipped. It influences work performance, stimulates relationships and improves athletic capacities.Productivity and professional successQuality sleep is like a supercharger for your brain. Imagine that you come to work every day with a spirit as sharp as a tack. That is where good sleep you can bring. It stimulates cognitive functions and helps problem solving and creativity. When you are well equipped, tackling those complex projects or tight deadlines becomes much less discouraging.Employers often notice the correlation between consistent sleep and increased productivity. A report from the Rand Corporation emphasizes how lack of sleep economies dollar costs lost productivity. Imagine the opposite. More sleep is the same as more focus and less burnouts..u09bb06a0f6ee0d71ffb6342a2bf72c98 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u09bb06a0f6ee0d71ffb6342a2bf72c98:active, .u09bb06a0f6ee0d71ffb6342a2bf72c98:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u09bb06a0f6ee0d71ffb6342a2bf72c98 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u09bb06a0f6ee0d71ffb6342a2bf72c98 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u09bb06a0f6ee0d71ffb6342a2bf72c98 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u09bb06a0f6ee0d71ffb6342a2bf72c98:hover .postTitle { text-decoration: underline!important; } See alsoLife after a car accidentIf you do not fight against sleepy eyes, your attention will improve detail. You catch those mistakes and make smarter decisions. It’s not a magic; It’s sleep.Promote relationships and happinessGood sleep is not only about you – it’s also about the people around you. If you are well rested, your mood stabilizes and will extend your patience. Your wick may be as short as a pencil stop when you are tired, but a good night’s sleep helps to extend it.You see, the quality of sleep has a direct influence on how you deal with friends, family and colleagues. Sleep stimulates emotional intelligence and gives you the patience to go into positive and to maintain strong connections.Happy relationships stem from understanding and empathy, both fed by a equipped spirit. So if you want to improve your social ties or are the joy looking in existing joy, start sleeping. Better moods lead to better relationships, and in turn more happiness.Athletes and sleep: performance improvementFor athletes, sleep is just as important as training and food. You may hear the professionals talking about the ‘secret weapon’ in the sport, is not what they eat or how they train, but how they rest. Sleep has an impact on reaction times, decision -making and recovery speeds.A well -equipped athlete performs at their peak. Studies show how sleep improves performance by improving coordination and reducing injury risks. In sleeping substances can be an instrumental in the development of skills and memory consolidation and athletes can retain new techniques and lessons more effectively.Athletes often follow sleep patterns with as much precision as their training sessions. You may notice that top performers give priorities to naps and consistent sleeping schedules to increase their competitive advantage. For them it is not only sleep – it is part of their training strategy.Better Better Lap: your way to a healthier, happier lifeImagine that you finally wake up refreshed, ready to greet the day. You throw the sleeping zom mash aside and embrace lively mornings. How do you really achieve this? It starts with determining the stage for quality sleep.Implement the strategies that we have mentioned one by one. See how you transform nights into a symphony of peaceful sleep. Ready to change your nights and your life? Time to take action with the sleep revolution. Better sleep is just a story before going to sleep.

Current ARM mortgage rates report for Oct. 29, 2025
Personal Finance 2026-01-05 22:55:02

Current ARM mortgage rates report for Oct. 29, 2025

If you’re the type of homebuyer who is willing to deal with a little uncertainty in exchange for the possibility of getting a low rate, an adjustable-rate mortgage might be right for you. These can be particularly good options for homebuyers planning to rent out or flip an investment property, or who know they intend to move before the loan’s introductory fixed-rate period ends.Read on and we’ll break down how ARMs work, consider when they might be worth considering over the far more common fixed-rate home loan, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of October 28, 2025. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.500%5.750%6.000%APR6.460%6.524%6.673%Interest RateBank of America 7/6 ARM5.500%U.S. Bank 7/6 ARM5.750%Zillow Home Loans 7/6 ARM6.000%APRBank of America 7/6 ARM6.460%U.S. Bank 7/6 ARM6.524%Zillow Home Loans 7/6 ARM6.673%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate home loans account for about 92% of all mortgages in U.S. households. Unlike ARMs—where interest rates can increase or decrease after an initial fixed period—a fixed-rate mortgage guarantees the same rate for the entire loan term. This consistency gives them an obvious appeal.However, there are situations where ARMs might be worth considering. Roughly 8% of borrowers choose these loans because they see unique advantages.When you might consider an adjustable-rate mortgageThree types of buyers often find ARMs beneficial:Starter home buyers:If you plan to move within a few years, an ARM may let you capitalize on a low initial rate without having to worry about future adjustments, as you intend to sell the home before the fixed period ends.Investors:Real estate investors who intend to flip a house or rent it out may use ARMs to minimize upfront costs, then sell the property or adjust the rent amount when rates change.Buyers facing high-interest markets:During periods of elevated interest rates, ARMs might offer lower upfront costs and may even provide relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically feature a low fixed interest rate for a predetermined period—such as three, five, seven, or 10 years—followed by periods of adjustment. Factors affecting ARM rates during the adjustments include:Benchmark indices:ARM rates are often tied to benchmarks like the SOFR. The U.S. Treasury publishes an updated SOFR each day, reflecting the overnight costs faced by banks for borrowing cash. Margins:Lenders add margins (fixed percentages) to benchmarks when calculating your ARM’s final rate. These can often range from 2% to 3.5%.Caps:Rate caps limit increases during specific intervals or throughout the loan term (e.g., initial adjustment caps, subsequent caps).In most instances ARMs will be 30-year loans. Popular ARM structures include 5/1 and 10/6—meaning a fixed rate for five years and then annual adjustments, and a fixed rate for 10 years and adjustment periods every six months, respectively. There are also 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageIf your plans change, you can likely decide to refinance into a fixed-rate mortgage. For instance, say you decide to stay in your home longer than you initially thought you would.You’re not alone if that’s the situation you find yourself in, as many Millennial and Gen Z homeowners can’t afford to upgrade and are getting by with their starter homes.Much like refinancing from one fixed-rate loan to another (which is often done to obtain a better rate or to tap equity) refinancing from an ARM to a fixed-rate loan involves shopping around with lenders, providing documentation to show you meet their requirements, and paying off your existing mortgage.Pros and cons of adjustable-rate mortgagesARMs come with positives and negatives you should weigh before applying for this type of mortgage. And, working with a trusted loan officer can help you determine if this is really the right loan type for you. Here are some basics to consider. N/AProsChance for a lower rate at first.During the fixed introductory period, you may find an ARM offers you a lower rate than you could get on a fixed-rate mortgage.Potential for easier qualification.Some borrowers may find they’re more likely to qualify for an adjustable-rate mortgage than for a fixed-rate loan. Possible savings down the road.This is not guaranteed, but if market rates decrease during adjustment periods, your monthly payment might go down accordingly.ConsPossibility for payments to rise.Remember, adjustment periods are dependent on what’s happening with the market. Just like there’s a chance for your rate and thus your monthly payment to go down, the converse could happen.Hard to comparison shop.Complex terms can make comparison shopping for a good rate on an ARM more difficult than with common fixed-rate mortgage types. Less predictability.Once you take out a fixed-rate mortgage, you’re locked into that rate as long as you have the loan. This can give you a little more stability in terms of monthly payment (though you may still face changes to things like homeowners insurance or your HOA dues). With ARMs, you need a certain level of risk tolerance.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Why Glass Meeting Spaces are a great choice
Health 2025-12-20 02:47:30

Why Glass Meeting Spaces are a great choice

ContentsStylish Glass Meeting SpacesHow glass improves a professional meeting roomCan glass conference rooms reduce distractions?Why many companies prefer glass meeting roomsAt today’s workplace, the design of a meeting room can have a significant impact on productivity, cooperation and general corporate culture. Many organizations turn to glass conference rooms as an elegant and effective solution. These walls not only redefine the aesthetics of a workspace, but also create a sense of openness, improve visibility and promote a collaboration environment. Whether you want to modernize your office or simply improve the meeting experience, Glass walls of the meeting room Can be a game changer.Stylish Glass Meeting SpacesA well -designed office is more than just a functional space; It is a reflection of the brand, values ​​and culture of a company. Glass meeting rooms offer a polished, contemporary look that makes every office feel modern and progressive. They transfer professionalism and refinement and leave a positive impression with employees, customers and visitors.In contrast to traditional closed meeting rooms that can feel dark and restrictive, glass walls let light flow freely, creating a clear and hospitable atmosphere. The transparency of the material offers a sense of continuity, making the office larger, more open and more inviting. Glass conference rooms can also be adjusted with matte panels, etched patterns or even company logos, with a personal touch that improves overall aesthetics.How glass improves a professional meeting roomIn addition to their visual attraction, glass conference rooms offer practical benefits for professional environments. The transparency of glass enables participants to stay visually connected to the rest of the office while still having a special meeting room. This creates a sense of inclusiveness and openness, so that everyone is more concerned with the larger team environment..u9ef8dd5ce853858572babbb8076cf9a1 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u9ef8dd5ce853858572babbb8076cf9a1:active, .u9ef8dd5ce853858572babbb8076cf9a1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u9ef8dd5ce853858572babbb8076cf9a1 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u9ef8dd5ce853858572babbb8076cf9a1 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u9ef8dd5ce853858572babbb8076cf9a1 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u9ef8dd5ce853858572babbb8076cf9a1:hover .postTitle { text-decoration: underline!important; } See also4 ways to relax and reduce stressGlass walls can also serve as writable surfaces, and offer a functional and interactive function for brainstorming sessions or presentations. With the right treatment, glass partitions can double like whiteboards or projection screens, making a dynamic, multifunctional workspace of a traditional meeting room.Moreover, the slender, clean look of glass contributes to an environment of professionalism. A well -lit, transparent meeting room transmits a picture of organization and efficiency. It tells customers and partners that the company appreciates clarity, transparency and high standards, who can help build trust and strengthen relationships.Can glass conference rooms reduce distractions?A common concern about glass meeting rooms is the potential for distractions. However, if they are carefully designed, they can help maintain the focus and productivity. For example, glass walls can be treated with matte or tinted finishes to minimize visual distractions, while natural natural light can penetrate into space. This subtle barrier helps to keep meetings private without completely closing them from the rest of the office.Moreover, many modern glass meeting rooms are equipped with soundproof solutions. High -quality acoustic glass or well appropriate seals can prevent noise from escaping or entering the room, creating a quiet, targeted environment. This combination of visual transparency and acoustic privacy ensures that meetings remain productive and continuous.Glass meeting rooms also encourage a sense of accountability. Because they are visually accessible, people stay rather the task and they maintain a professional attitude. The openness helps to keep meetings on the right track, reduces side interviews and promotes efficient use of time. By promoting a culture of transparency and focus, glasses of meeting rooms can contribute to a more productive working environment in general..u0de6659438de6a030645a7747bb18f5f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u0de6659438de6a030645a7747bb18f5f:active, .u0de6659438de6a030645a7747bb18f5f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u0de6659438de6a030645a7747bb18f5f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u0de6659438de6a030645a7747bb18f5f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u0de6659438de6a030645a7747bb18f5f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u0de6659438de6a030645a7747bb18f5f:hover .postTitle { text-decoration: underline!important; } See alsoEight reasons why watching movies is beneficial for mental healthWhy many companies prefer glass meeting roomsThe growing popularity of glass meeting rooms is no coincidence. Companies in different industries recognize their countless benefits and include them in their office designs. In addition to their aesthetic and functional benefits, in accordance with the glass conference rooms with various important priorities in the modern workplace.First, they support a more cooperation and connected work culture. By removing physical barriers, glass walls make it easier for employees to interact, share ideas and collaborate on projects. The visual openness creates a sense of community that helps to break down silos and promote teamwork.Glass meeting rooms are also very adaptable. As companies evolve, they can easily configure these spaces to meet changing needs. Whether it is about expanding a meeting area, re -use a room or updating the design, glass walls offer flexibility without a large construction or disruption.Finally, glass meeting rooms reflect a progressive approach. In an era in which companies strive to be innovative, sustainable and employee -oriented meeting rooms, transparency, modernity and a dedication to excellence symbolize. They send a message that the organization appreciates both style and content, making them a preference for many future -oriented companies.In summary, glass walls of the conference space offer a winning combination of style, functionality and versatility. They transform ordinary meeting rooms into lively, professional environments that encourage cooperation, reduce distractions and improve the corporate culture. By choosing glasses in the glass walls conference space, companies not only improve the appearance of their offices, but also set up the stage for more productive and fascinating meetings..u8d9fdfc2f1fcd755606706fc0e27ce8e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u8d9fdfc2f1fcd755606706fc0e27ce8e:active, .u8d9fdfc2f1fcd755606706fc0e27ce8e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u8d9fdfc2f1fcd755606706fc0e27ce8e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u8d9fdfc2f1fcd755606706fc0e27ce8e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u8d9fdfc2f1fcd755606706fc0e27ce8e .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u8d9fdfc2f1fcd755606706fc0e27ce8e:hover .postTitle { text-decoration: underline!important; } See alsoTop 5 Space Saving Tips for Small Apartments

Invest in CDs now to get up to 4.20% APY. Here are the best CD rates for Nov. 6, 2025
Personal Finance 2026-01-12 04:27:37

Invest in CDs now to get up to 4.20% APY. Here are the best CD rates for Nov. 6, 2025

It’s still possible to earn a decent return on a certificate of deposit, but you need to act soon. Average CD yields declined significantly in 2024 as the Federal Reserve reduced interest rates—and while they remained relatively stable in the first part of 2025 as the central bank held off on making more rate changes, the Fed made its first rate reduction of the year in September, and another in October.The highest CD rates on the market offer up to 4.20% annual percentage yield. By funding a certificate now, you could secure these high rates for years, depending on the choice of a CD term that best suits your goals. And, with the potential for one more Fed rate cut this year, there’s no time to lose.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on November 6, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a six-month CD with a 4.20% APY but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help our readers obtain the best possible return on their CD investments. Here are the best available rates:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with the banks listed in the table above, there’s a good reason. The big banks depend less on certificates of deposit to build their capital base than smaller financial institutions. That means they see less need to compete by offering the highest rates.Established banks like Chase, PNC, and U.S. Bank acquire customers via business lines like loans and credit cards. As a result, CD interest rates offered by these banks are often lower compared to those available at smaller regional banks or online institutions. Securing a competitive rate at big banks may require opening additional deposit accounts or meeting higher minimum deposit requirements.CD rates news 2025Seasoned investors know that CD market rates closely track the monetary policy decisions of the Federal Reserve, particularly changes in the fed funds rate. Anyone who wants to invest in CD should learn to keep an eye on central bank policy changes in order to understand shifts in CD yields.The Federal Open Market Committee (FOMC) left the federal funds rate unchanged from January through August of 2025. Then, at its Sept. 16-17 meeting, the FOMC announced a quarter percentage point reduction, bringing the federal funds rate to 4.00%-4.25%. The fed funds rate currently stands at 3.75%-4.00% after a cut at the central bank's October meeting.There's one more FOMC meeting scheduled for this year, on Dec. 9-10.In 2024, the Fed cut rates three times—the last rate cut was at the December FOMC meeting—leaving rates in a range of 4.25%-4.50%. These changes came in response to cooling U.S. inflation, and the Fed aimed to support the U.S. economy with cheaper lending. This is why CD rates came off their previous two-decade highs last year.Those historically high CD yields were driven by aggressive Fed interest rate hikes in 2022 and 2023. Between March 2022 and July 2023, the FOMC hiked rates 11 times, from zero up to a range of 5.25%-5.50%. The Fed’s higher rates were an attempt to cool off the hottest inflation readings since the 1980s, which were themselves the result of economic disruptions from the pandemic.It's worth noting that current CD rates aren’t far off their recent peaks. Investors still have the opportunity to secure competitive rates on both short-term and long-term CDs. By depositing a larger lump sum into your CD account, you can generate considerable interest earnings.Historical CD ratesIn the early 1980s, CD rates soared into the double digits, a sharp contrast to the lower yields. By 2019, however, the APY for a five-year CD was only a hair above 3.00%.Throughout the early 2020s, rates soared over 5.00% as the economy worked its way through the Covid-19 pandemic. Five years later, we are seeing CD rates stabilize in the 3.00%-4.00% range.How to get a good CD rateDetermining what qualifies as a "good" CD rate involves striking the right balance between high rates and your appetite for locking up money for a long period of time. Say you’re looking at a 5-year certificate yielding 5.00% APY. You should only pull the trigger if you’re sure you won’t need the funds sooner and you don’t think interest will increase.Key factors to evaluate when comparing CDs include:Term length:Ensure it aligns with your savings objectives and time frame.APY:Typically, higher rates are offered for longer terms.Minimum deposit:Confirm that you can meet the required initial balance.Penalties:Understand the costs associated with early withdrawal before maturity.Deposit insurance:Verify that the bank is Federal Deposit Insurance Corp. (FDIC)- or National Credit Union Administration (NCUA)insured to keep your money secure.Online banks typically advertise the highest CD yields, just make sure you understand the minimum balance requirements and any associated fees. Opting for a bank rather than a broker can sometimes help avoid unnecessary charges.Look into offerings from online banksFintech firms and online banks generally offer more competitive rates than national banks. Large financial institutions generate revenue from interest on loans, fees, and investments in securities.In contrast, smaller banks and online fintech companies attract customers with competitive APYs on deposit accounts. Additionally, online banks have lower overhead costs, which lets them pay better rates on deposits.Set up a CD ladderCD ladders are ideal for savers who prefer not to tie up funds for long periods. By spreading savings across CDs with varying maturity dates, you can enjoy both short-term access and higher long-term interest rates.For example, start by investing $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD reaches maturity, reinvest the funds into a new 3-year CD. This strategy provides yearly access to your money along with the accumulated interest.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Understand the different kinds of CDsThere are several types of CDs available to cater to different financial needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. They often provide higher APYs since they are issued by banks and then sold to brokerages.Callable CDsinclude a feature that allows the issuing institution to terminate the CD before its maturity date. Investors receive their principal and any accrued interest up to the call date if this option is exercised.Bump-up CDsallow you to request a higher APY if interest rates increase after opening the account. Typically, you can adjust the rate once or twice during the CD's term.No-penalty CDsdo not charge penalties for early withdrawals before maturity. This type is less common and may offer lower APYs compared to traditional CDs.Jumbo CDsrequire a substantial minimum deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because a decrease in interest rates before maturity can result in a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Stoke City condemn 'sickening and unacceptable' chants aimed at Tyrese Campbell
Sports 2025-12-23 09:21:21

Stoke City condemn 'sickening and unacceptable' chants aimed at Tyrese Campbell

Stoke City have condemned 'sickening and unacceptable' chants aimed at Sheffield United player Tyrese Campbell.Campbell scored the second goal of the Blades' 2-0 win over City on Saturday, his first goal of the season in his eighth appearance for the Potters. Stoke City have condemned 'sickening and unacceptable' chants aimed at Sheffield United player Tyrese Campbell. Campbell scored the second goal of the Blades' 2-0 win over City on Saturday, his first goal of the season in his eighth appearance for the Potters. Stoke, however, have said that a 'small minority' of supporters were involved in chants thought to have been mocking Campbell over the passing of his father, Arsenal and Everton legend Kevin Campbell, during the game. The statement read: 'The club has a zero-tolerance approach to tragedy chanting and strongly condemns the abhorrent actions of the individuals involved. 'Any evidence brought to the attention of the Club that implicates individuals in such behaviour will be acted upon without hesitation and the police will also be informed. 'Supporters who see or hear any incidents of criminal, discriminatory, unacceptable or anti-social behaviour are implored to report it by any of the methods below. 'The Club will continue to work with fellow clubs, police forces and all relevant authorities to identify perpetrators of illegal actions and to ensure that matchdays are safe, welcoming and enjoyable for all.' Campbell passed away at the age of 54 in June after falling unwell earlier in the month, leading to an outpouring of emotion from the football community. The popular forward spent six years at Everton between 1999 and 2005, and left a lasting impression. Tyrese, who was present at a special Everton memorial service last month, posted an emotional tribute to his dad in the hours after his death on Instagram that read: 'I appreciate my Dad was admired by many and the outpouring of love has been some comfort for us as a family, so thank you for that at such a difficult time. 'The pain of this is indescribable and as a son you look at your Dad as invincible. He is my idol, the one who I wanted to be when I grew up. 'He was the life and soul of every party and room he blessed, a one in a million person that was loved by everyone, a special special person. I'll miss you Dad. 'I would now ask that the privacy of our family is respected as we mourn the loss of an irreplaceable father, brother, uncle and all round amazing human being. Love you always Dad.'

Current price of gold as of October 28, 2025
Personal Finance 2025-12-29 09:56:05

Current price of gold as of October 28, 2025

Gold was trading at $3,933 per ounce at 10 a.m. Eastern Time on October 28, 2025. This is a $116 drop from yesterday at the same hour and over $1,159 higher than a year ago.Gold price per ounce% ChangePrice of gold yesterday$4,049+2.95%Price of gold 1 month ago$3,822-2.83%Price of gold 1 year ago$2,774-29.45%Price of gold yesterdayGold price per ounce$4,049% Change+2.95%Price of gold 1 month agoGold price per ounce$3,822% Change-2.83%Price of gold 1 year agoGold price per ounce$2,774% Change-29.45%For investors wanting an asset less affected by inflation, gold may be a wise choice. Historically, Gold is an asset that appreciates over time. Rather than collecting the actual physical gold manifestations, many people use a gold IRA, which also offers the convenience of not having to store physical gold, which can come with its own cost. Regardless of how you purchase gold, it can help serve as a steady part of a portfolio during market volatility.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t a guaranteed answer in every financial environment. In a strong economy, stocks can deliver better returns both in the short and long term. From 1971 to 2024, traditional stocks averaged 10.7% annual returns, while gold averaged 7.9%.Still, gold is a reliable, risk-averse asset during economic uncertainty. That’s why some investors see it more as a store of value instead of a typical investment like stocks or bonds.What does “spot gold” mean?The spot price is the current rate for buying or selling gold immediately in over-the-counter trades. This helps investors track gold demand and market trends. A higher spot price means stronger demand. Unlike futures, the spot price is for immediate settlement.When the price for future delivery is above the spot price, it’s called contango, which is common for commodities with storage costs. If the futures price is lower, it’s called backwardation.Many factors can cause the spot price to fluctuate. Investors should be prepared for this volatility.What is price spread in gold trading?The price spread is the gap between the buying and selling price of an asset.In gold trading, the ask price is the cost to buy, and the bid price is what you’d get for selling. The bid is always less than the ask.A smaller spread means a more liquid market. Tight spreads typically indicate higher gold demand.How to invest in goldIf you picture gold investing as a suitcase filled with gold bars, that’s only part of the story. While buying physical bars, coins, or jewelry is an option, most gold trading happens via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, says, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Popular ways to invest in gold include:Gold bars and rounds:Also known as bullion, sold by weight, with purity and manufacturer details marked.Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a future date, allowing speculation without handling the metal.Gold funds:Mutual funds or ETFs invested in gold, with values tied to the underlying assets.Is it a good time to invest in gold?Deciding if now is the right time to invest in gold is subjective. However, gold can help diversify your portfolio and reduce market risk.Gold remains a stable asset amid market volatility. Prices have reached record highs, up more than 25% since early 2025, driven by inflation and uncertainty. Many experts recommend adding gold for diversification.Current precious metals pricesas of 9:20 a.m. ET on October 28, 2025Precious MetalPrice per ounceGold$3,933Silver$47Platinum$1,569Palladium$1,369GoldPrice per ounce$3,933SilverPrice per ounce$47PlatinumPrice per ounce$1,569PalladiumPrice per ounce$1,369Silver, platinum, and palladium are also common portfolio additions. Gold is typically less volatile than silver, which can see major price swings within a day. Silver’s use in industry makes it more responsive to economic trends.Platinum and palladium behave similarly to silver. These rare metals can diversify a portfolio but are usually more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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} #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has been unsettled for years, with persistent inflation making an impact. Gold can serve as an inflation hedge in your portfolio. With multiple ways to buy, gold is accessible to most investors. Whether through a gold IRA or a more active investment approach, gold can help achieve both short- and long-term goals.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which provide a managed, easily traded basket of assets.Is gold a good investment?Gold is a popular choice for those seeking diversification and inflation protection. There are many straightforward ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historical value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Why electric cars aren’t just about efficiency
Health 2025-12-14 12:24:59

Why electric cars aren’t just about efficiency

ContentsPower and speed Advanced features Handling and ride qualityStyle and overall designThe ones to watchFor years, the focus has been on how efficient electric vehicles (EVs) are, with the environmental benefits of switching to this alternative being one of their main selling points. After all, electric is the future, especially if By 2030 we expect a ban on petrol and diesel cars.But while their green credentials are undeniable, modern electric vehicles are about much more than just energy savings. With advances in performance, technology and design, electric cars are setting new standards that go far beyond efficiency.Here’s a look at why EVs are the complete package when it comes to engines.Power and speedModern electric vehicles are powerhouses and often outperform their internal combustion engine (ICE) counterparts in terms of acceleration and top speed. For example, the Hyundai Ioniq 5 N has dual engines and impressive handling, It delivers up to 650 hp in boost mode and propels the car from 0 to 100 km/h in just 3.4 seconds.This level of performance is not limited to high-end models. Even regular EVs provide quick acceleration thanks to the instant torque provided by electric motors. This not only makes them exciting to drive, but also very practical when overtaking on highways or navigating busy city traffic.Advanced featuresEVs are usually equipped with the latest technology. A striking feature is regenerative braking, which recovers energy during braking and increases the range. Many electric models also come with advanced driver assistance systems, including semi-autonomous driving modes that make long commutes less stressful..u84480dcb14490ef107b48ed0132060c9 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u84480dcb14490ef107b48ed0132060c9:active, .u84480dcb14490ef107b48ed0132060c9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u84480dcb14490ef107b48ed0132060c9 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u84480dcb14490ef107b48ed0132060c9 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u84480dcb14490ef107b48ed0132060c9 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u84480dcb14490ef107b48ed0132060c9:hover .postTitle { text-decoration: underline!important; } See alsoAligning body mechanics with well-beingInfotainment systems in electric vehicles are also taking center stage, with features such as over-the-air updates and seamless smartphone integration. This means they are constantly being improved and enhanced with the latest features – unlike their petrol and diesel counterparts.Handling and ride qualityElectric cars have a low center of gravity, thanks to the heavy battery packs placed under the floor. This design not only improves stability, but also improves cornering performance and overall ride quality.The precise driving behavior of electric vehicles is further improved by EV tires. These tires provide superior grip and responsivenessgiving you a smoother and safer ride, whether on winding country roads or in the city.Style and overall designEVs are also leading the way in automotive design. Their sleek and modern aesthetic appeals to a wide audience, from tech enthusiasts to style-conscious drivers.Consider the Lotus Eletre, an electric SUV that seamlessly combines aesthetic appeal with high-quality technology. The bold, futuristic design shows how manufacturers are redefining what a car can look like in the EV era.The ones to watchElectric sports cars will raise the bar even higher for enthusiasts. The Abarth 600e, which came on the market in November 2024, is already one such model to consider. Based on the Fiat 600e, this all-electric hatchback promises exciting performance and compact agility for those who want to try out this new, punchy engine.With these developments, it is clear that electric vehicles are evolving rapidly. They are no longer just efficient; they are powerful, innovative and stylish. As we start to switch to electric driving, the appeal of electric vehicles will only increase..u461c40e6a7ceba5c0b619c2764171e60 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u461c40e6a7ceba5c0b619c2764171e60:active, .u461c40e6a7ceba5c0b619c2764171e60:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u461c40e6a7ceba5c0b619c2764171e60 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u461c40e6a7ceba5c0b619c2764171e60 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u461c40e6a7ceba5c0b619c2764171e60 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u461c40e6a7ceba5c0b619c2764171e60:hover .postTitle { text-decoration: underline!important; } See alsoWhen should you file charges after a slip and fall in Ontario?

Injury-hit Juventus welcome back Koopmeiners for Parma test
Sports 2025-12-22 05:35:56

Injury-hit Juventus welcome back Koopmeiners for Parma test

Thiago Motta confirmed midfielder Teun Koopmeiners will be available for Juventus' upcoming Serie A clash with Parma on Wednesday.Koopmeiners, who joined Juventus from Atalanta in the summer, has missed the last three matches after sustaining a rib fracture in a 1-1 draw with Cagliari earlier this month. Thiago Motta confirmed midfielder Teun Koopmeiners will be available for Juventus' upcoming Serie A clash with Parma on Wednesday. Koopmeiners, who joined Juventus from Atalanta in the summer, has missed the last three matches after sustaining a rib fracture in a 1-1 draw with Cagliari earlier this month. The Dutch international had made seven appearances in all competitions for his new club before his injury, notching one assist in a win against Genoa. Koopmeiners' return to action is a timely boost for Motta, though he revealed Juventus are still without injured trio Gleison Bremer, Arek Milik, and Douglas Luiz. "We won't have Gleison, Douglas, Nico or Arek but we will recover Koop. We'll see if he can start from the first minute or be with us during the game," Motta told reporters. Juventus come into the game against Parma on the back of an enthralling 4-4 draw with Inter in the Derby d'Italia over the weekend. Kenan Yildiz scored a second-half brace to seal a share of the spoils at the San Siro, but the Bianconeri remain five points behind leaders Napoli in Serie A. Motta was happy with his side's previous showing, but bemoaned their defensive lapses, having conceded two penalties against Inter that were converted by Piotr Zielinski. "It was a good performance at San Siro but we could have won," Motta said. "But that's now in the past, everything else is just people's opinions and doesn't count much at this moment in time," Motta said. "Something to improve, for sure is penalties. We must always finish with 11 men and not cause penalties. I always say, the next match is the most important. "I respect everyone's opinions, mine as a coach is that we have to learn to manage the moments when others do better than us." Juventus will be confident of maintaining Motta's unbeaten league start against Parma, who are without a win in their last seven Serie A matches. The hosts have done historically well against the Crociati, with Juventus unbeaten in 13 of their last 14 matches against Parma in Serie A (W10 D3). They have also won eight of the last nine matches played on a Wednesday in the Italian top-flight (L1), scoring 20 goals in the period (2.2 on average per match). Parma, meanwhile, have not won any of their last 18 Serie A away games (D8 L10) and have only once recorded a longer away run without a win in the competition, between May 2007 and September 2009 (23).

Newcastle want Mbeumo but financial limits may require Howe to offload a star
Sports 2025-12-22 18:02:50

Newcastle want Mbeumo but financial limits may require Howe to offload a star

Newcastle United could make a move for Brentford's prized forward Bryan Mbeumo in January, but face financial restrictions that could trigger a player fire sale.According to the Telegraph, current financial regulations means if Newcastle were to spend big on Mbeumo in January they'd likely have to sell a player in the summer to balance the books. Newcastle United could make a move for Brentford's prized forward Bryan Mbeumo in January, but face financial restrictions that could trigger a player fire sale. According to the Telegraph, current financial regulations means if Newcastle were to spend big on Mbeumo in January they'd likely have to sell a player in the summer to balance the books. Profit and sustainability rulers (PSR) have already stymied the Tyneside club's efforts to invest in its squad last summer, despite on paper being technically one of the richest clubs in the world. Newcastle was forced to sell wingers Elliot Anderson and Yankuba Minteh to Nottingham Forest and Brighton respectively, to avoid a PSR breach in the summer. The report by the Telegraph says Newcastle 'languish behind the Big Six in revenue streams despite the takeover by the Saudi Arabia Public Investment Fund (PIF)' back in October 2021. This has forced belt-tightening measure at St James' Park since the rules again changed last year, and after the club's owners had already laid out more than £400million on players. Now, the club needs to recoup money from player sales to balance against this spend so it does not fall afoul of regulations. The report states the PIF 'will continue to invest in the club' despite the recent announcement that the sovereign wealth fund will cut back funding from 30 per cent to around 18-20 per cent. In light of this, they've reassured supporters they are 'still willing to invest in a new stadium and the general growth of the club'. Meanwhile, the club's recruitment team are intensifying their recruitment plans but PSR will be a limiting factor as to who and how many players they can recruit. Manager Eddie Howe will be looking to fix 'glaring holes' within the squad, especially at centre back and right wing. Newcastle were thought to be leading the race to sign Crystal Palace centre back Marc Guehi in summer, but were thwarted in their pursuit by PSR. Senior players, such as Kieran Trippier and Callum Wilson (who has started two games in 2024), remain on the books despite looking likely to be moved on, while Anthony Gordon has signed a lucrative long-term contract. If Newcastle do pursue Mbeumo, they'll subsequently have to sell someone in the summer. A big name like Gordon is therefore mooted to leave St James' Park, despite signing a new contract, while Bruno Guimarares and Alexander Isak could also attract bids from the league's biggest clubs.

A day in the life of a Svalbard expedition: what to expect
Health 2025-12-29 09:54:52

A day in the life of a Svalbard expedition: what to expect

ContentsMorning: Wake up with Arctic SplendorIn the middle of the morning: excursions and encounters with wildlifeLunch: stories and foodAfternoon: more explorationEvening: Dining and reflectionLate Night: A quiet moment or a midnight adventureUnpredictable adventureWhat you take homeGoing to a Svalbard expedition is more than just a trip – it is a immersion in the breathtaking Arctic wilderness. From waking up with the surreal landscapes outside your window to the comrade shared during excursions, every day is full of adventure and awe. Here is a detailed view of a typical day during your Arctic cruise to Svalbard.Morning: Wake up with Arctic SplendorYour day starts early, often with a soft wake-up call from the expedition leader, who warns you about the plans of the day or perhaps for a Polar Bear observation directly from the ship! Tuur the porthole out or step on the deck with a cup of coffee, you are greeted by towering glaciers, floating icebergs or the enchanting fjords from Svalbard. The fresh arctic air stimulates your senses and sets the tone for a day of discovery.Breakfast is a common affair in the dining room. Guests and members of the Expedition Team gather to enter into cordial options such as eggs, fresh pastries and fruit. This is also when you hear the travel schedule of the day during a briefing. Plans often depend on the weather, ice conditions and nature activity, but flexibility is part of the adventure. For those who are planning to visit in colder months, it is worth mentioning that many Things to do in Svalbard in the winter Offer a very different kind of magic, from the witness of the Polar Night to exploring frozen landscapes..ua74610aa02b6376f119cf8a03b9b3e41 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ua74610aa02b6376f119cf8a03b9b3e41:active, .ua74610aa02b6376f119cf8a03b9b3e41:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ua74610aa02b6376f119cf8a03b9b3e41 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ua74610aa02b6376f119cf8a03b9b3e41 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ua74610aa02b6376f119cf8a03b9b3e41 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ua74610aa02b6376f119cf8a03b9b3e41:hover .postTitle { text-decoration: underline!important; } See alsoWhere can I buy inclusive commercial playground equipment for schools?In the middle of the morning: excursions and encounters with wildlifeAfter breakfast you set up your polar equipment, including insulated boots and a waterproof parka of the expedition team. Excursions are a highlight of every Arctic journey, and mornings often start with a zodiac cruise – a small, stable inflatable boat designed for navigating by icy waters.Zodiac excursions can take you close to an ice floous where seals are cherishing in the sun or offer a view of the first row of massive glaciers that calves in the sea. If the circumstances permit, the team will guide you ashore for a walk on the tundra. You could see that polar foxes shoot between the rocks or reindeer in the distance.Observations of animals in the wild are always possible, so your binoculars and cameras are never far from the range. Polar bears, the top predator of the Arctic, are a frequent star of the show. Seeing someone who traversing the icy vastness is a time when you will not forget.Lunch: stories and foodLunch is a time to warm up and refuel. Meals on board are freshly prepared and often include regional specialties such as Arctic Char or Norwegian soups. Dining with fellow travelers creates a sense of community while you exchange stories about the adventures of the morning.Between bites, the experts on board – glaciologists, natural biologists or historians – can organize informal conversations or slide shows, provide insight into the landscapes and beings that you have just encountered. These sessions deepen your understanding of Svalbard’s ecology, history and challenges..u3b1125ca18f602c98dc61e7663c52590 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u3b1125ca18f602c98dc61e7663c52590:active, .u3b1125ca18f602c98dc61e7663c52590:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u3b1125ca18f602c98dc61e7663c52590 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u3b1125ca18f602c98dc61e7663c52590 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u3b1125ca18f602c98dc61e7663c52590 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u3b1125ca18f602c98dc61e7663c52590:hover .postTitle { text-decoration: underline!important; } See alsoA day trip to Samet Nangshe view pointAfternoon: more explorationThe adventure continues with post-lunch with a different activity round. Perhaps in addition to drifting iceberg kayaking or a historic site such as Smerenburg, you will visit the 17th-century whale station, the Expedition Team is doing activities to maximize the encounters of animals in the wild and at the same time guarantee guest safety.For bird lovers, the afternoons are perfect for visiting sea bird colonies, such as the cliffs of Alkefjellet, the home of thousands of Guillemots of Brünnich. The cacophony of calls and the sight of birds that go to the air create an unforgettable spectacle.If the ship repositions to a new location, you can relax on the deck and watch the Arctic landscape. Keep your eyes open for whales that pop up in the distance or walruses that lounge on ice floes.Evening: Dining and reflectionThe dinner is an affair with several courses, often inspired by the local cuisine and accompanied by a spectacular view from the dining room of the ship. While enjoying your meal, you can see the sun that skim on the horizon – or not undergo at all during the midnight sun season.Evenings are a time for reflection and companionship. Guests gather in the lounge for presentations of the Svalbard Expedition team, who may share stories about previous adventures or a preview of the plans of the next day. This is also when you view photos, chat with new friends or just enjoy the peace of the Arctic Night.Late Night: A quiet moment or a midnight adventureFor those who stay up, the Arctic offers its rewards. Step on the deck under the Polar Twilight, where the silence is only interrupted by the cracking of ice or calling sea birds. If happiness is on your side, you can even witness the essential dance of the Northern Lights..u75e22dc786c3c9d7fe0ee7e232dcfea0 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u75e22dc786c3c9d7fe0ee7e232dcfea0:active, .u75e22dc786c3c9d7fe0ee7e232dcfea0:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u75e22dc786c3c9d7fe0ee7e232dcfea0 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u75e22dc786c3c9d7fe0ee7e232dcfea0 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u75e22dc786c3c9d7fe0ee7e232dcfea0 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u75e22dc786c3c9d7fe0ee7e232dcfea0:hover .postTitle { text-decoration: underline!important; } See alsoHow to regain control and increase your well-beingOn some expeditions, a late-night zodiac cruise or shore landing is possible, which offers a chance to see nocturnal animals in the wild or to wonder about glaciers that glow under the midnight sun. The sensation of the Arctic never sleeps.Unpredictable adventureOne of the most exciting aspects of a Svalbard expedition is the unpredictability. Whether it is an unplanned perception of polar bears, a rare bird meeting or a spontaneous landing on a rich historic site, every day brings surprises. Flexibility is the key and the rewards are immeasurable.What you take homeA day in the life of a Svalbard expedition is different from any other travel experience. You return to your cabin with a heart full of memories – from towering glaciers, elusive animals in the wild and the comrading of colleague adventurers. Every day in the North Pole area there is a memory of the beauty and vulnerability of this remote corner of the world, so you are grateful for the journey and inspired to protect it for the coming generations.

Current price of gold as of November 10, 2025
Personal Finance 2025-12-19 04:43:54

Current price of gold as of November 10, 2025

The price of gold was trading at $4,089 per ounce as of 9:10 a.m. Eastern Time on November 10, 2025. There’s no price difference compared to yesterday and an over $1,470 increase from a year ago. Gold price per ounce% ChangePrice of gold yesterday$4,0890%Price of gold 1 month ago$3,989-2.45%Price of gold 1 year ago$2,619-35.95%Price of gold yesterdayGold price per ounce$4,089% Change0%Price of gold 1 month agoGold price per ounce$3,989% Change-2.45%Price of gold 1 year agoGold price per ounce$2,619% Change-35.95%If you’re looking for an investment that is not tied directly to the variance of inflation, gold may be the right choice. In general, gold as an asset is typically expected to increase in value over time. One of the most common ways to purchase and manage gold is through a gold IRA, which can serve as a steadying force in a portfolio amid volatile markets. This may also be a good choice for those who want to invest in gold without the challenge of having to make storage arrangements for physical gold bullion.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold is not always a home run investment. In a strong economy, stocks can perform better in the short and long term. From 1971 to 2024, the stock market delivered average annual returns of 10.7%. Gold delivered an average annual return of 7.9% over the same period.However, during times of economic uncertainty, gold is a solid option as a risk-averse investment. For this reason, some may prefer to think of it as a store of value as opposed to an investment in the way that stocks and bonds are.What does “spot gold” mean?The spot gold price is the price to buy or sell gold immediately in an over-the-counter trade. This is an effective way for investors to monitor the demands and trends of gold investment at that time. Simply stated, a higher spot gold price means there is higher demand for gold in the marketplace. Notably, unlike futures contracts, the spot price is for an immediate sale.  When the future price is higher than the spot price, it is called contango. This is common when investing in commodities that have a high storage cost. When the futures price is lower than the spot price, it is called backwardation.There are plenty of different factors that can impact the spot price, which is why that figure is constantly shifting up and down. Those looking to invest in gold need to be able to deal with this level of price fluctuation.What is price spread in gold trading?A price spread is the difference between an asset’s offered purchase price vs. the price offered to sell it. Similarly, in gold investing, the two key terms are ask price and bid price. The ask price is how much it costs to buy the gold, while the bid price is how much it can be sold for. Bid prices are always lower than ask prices.The lower the spread between these two prices, the more liquid the market is. If there is a relatively small spread, that means the demand for gold is on the rise.How to invest in goldIf investing in gold immediately leads to an image of Scrooge McDuck olympic diving into a pile of coins, that’s only half right. While there are opportunities to buy physical gold bars, coins or jewelry, gold is often traded as exchange-traded funds (ETF).James Taska, a fee-based financial advisor, said, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.” Some of the most common ways to invest in gold include:Gold bars:Often referred to as bullion, this is a popular gold investing method. Offered on a per gram or ounce basis, other qualities including purity, weight, and manufacturer are typically stamped on the face of the bar. Similarly, you may encounter gold rounds.Gold coins:These are collectible coins, such as the American Gold Eagle coin. These often are sold at a higher price than bars of the same weight because they are viewed as collectibles with limited availability in the marketplace.Gold jewelry:Jewelry typically comes with aesthetic, external and subjective value, so the price may be significantly higher than the standard weight value. Gold futures contracts:A futures contract states that the investor will buy a specified amount of gold for a defined price at a future date. Futures allow investors to speculate on the price of gold in the future without needing to handle the actual physical product. Gold funds:These are mutual funds or ETFs that own gold assets. Like other ETFs in a stock portfolio, you can purchase shares in gold funds or any other mutual fund investment, and their value fluctuates based on the changes in the underlying portfolio of assets.Is it a good time to invest in gold?Ultimately, there is a relative subjectivity in determining if now is a better time to invest in gold compared to other periods. However, using gold as a way to diversify your existing portfolio can mitigate the impact of market volatility.In the current economy, gold continues to offer stability in a highly volatile period for the stock market. Prices have risen to all-time highs, with the price rising over 25% since the start of 2025, fueled by ongoing inflation and economic uncertainty. Many experts agree this is a good time to diversify your portfolio with gold.Current precious metals pricesas of 9:10 a.m. ET on November 10, 2025Precious MetalPrice per ounceGold$4,089Silver$50Platinum$1,575Palladium$1,411GoldPrice per ounce$4,089SilverPrice per ounce$50PlatinumPrice per ounce$1,575PalladiumPrice per ounce$1,411Silver, platinum, and palladium are popular precious metals that investors can hold in portfolios in addition to gold. Gold is typically less volatile than silver, which can have a large price range even within a 24-hour period. Additionally, because silver is a more common resource used across different industries, it is more sensitive to external economic changes.Platinum and palladium are in the same boat as silver. Investors can use these rare metals as a way to diversify a portfolio, but be wary that there is typically much more fluctuation than with gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; 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font-weight: 600; } }The takeawayThe U.S. economy has been in flux for several years now, and the current period of extended inflation has had a major impact. Gold can serve as an inflationary hedge in an investor’s portfolio. Additionally, because of the variance of acquisition methods, gold can be a relatively easy asset to accumulate based on an investor’s comfort level and interest. Whether you purchase gold as an IRA or as a more active investment account, investing in gold may help achieve both short- and long-term investment objectives.Frequently asked questionsWhat is the best way to own gold?Many investors are buying gold via ETFs, which allows for a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a good investment for investors looking to diversify their portfolio and get a hedge against inflation. There are many ways to buy gold, making it easy to access the investment.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value for the weight of gold compared to a bar. Collectible and historical significance can make coins a more attractive asset to some investors. Additionally, U.S. minted coins might help protect investors from the risk of getting fake bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

You can earn up to 4.20% APY. Check out the best CD rates on Nov. 4, 2025
Personal Finance 2025-12-22 23:16:09

You can earn up to 4.20% APY. Check out the best CD rates on Nov. 4, 2025

You can still earn a great return on a certificate of deposit, just don’t wait to deposit your money. As the Federal Reserve cut interest rates three times in 2024, average CD yields fell lower. They largely stabilized in 2025 as the Fed held off on more rate changes—but the central bank finally made a cut in September, and another at the end of October.The best CD rates return up to 4.20% annual percentage yield. That means you could lock in strong rates for years if you funded a certificate right now, depending on the term that’s best suited to your financial goals. With another Fed meeting coming up in December and another rate cut possible at that point, there’s no time to waste.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164The best CD rates on November 4, 2025: Earn up to 4.20% APYThe highest CD rate of 4.20% is offered by Bread Savings on its six-month CD. Newtek Bank also offers a 4.20% APY on a six-month CD but requires a higher minimum deposit.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their CD investments. Here are the best CD rates available on the market:Pro tipLooking for the best CD to fit your investment needs? See rates from top institutions:–Wells Fargo–Capital One–Chase–Bank of America–Discover Bank–Northern Bank Direct–Ally Bank–Newtek Bank–Popular Direct–Citibank–Sallie Mae BankCompare CD rates at top national banksIf you’re unfamiliar with many of the bank names mentioned above, there’s a straightforward reason. CDs typically don’t generate substantial income for major financial institutions on their own.Large, national banks like Chase, PNC, and U.S. Bank focus on attracting customers through more profitable products, such as loans and credit cards, rather than CDs. As a result, the interest rates offered on CDs at these banks are often much lower than those available at smaller regional banks or online institutions. Additionally, to secure a good rate at these larger banks, you may be required to open other deposit accounts or deposit much higher minimums.CD rates news 2025Investors need to recognize that average CD rates rise and fall in close alignment with Federal Reserve monetary policy changes, specifically fluctuations in the fed funds rate. It's crucial for those investing in CDs to monitor the central bank's policy shifts to anticipate potential rate changes.Last year, the Fed cut the fed funds rate three times, leaving it at 4.25%-4.50% as of December 2024. High inflation from the post-pandemic period was cooling off, and the central bank tapered rates to help the economy stay on track. CD yields fell from two-decade highs as the Fed reduced rates.Those 20-year highs in CD yields were themselves a result of the Fed’s rate hike campaign of 2022 and 2023. Inflation gains were hotter than at any time since the early 1980s, thanks to the economic disruptions of the pandemic. Between March 2022 and July 2023, the Fed raised interest rates 11 times, from zero to 5.25%-5.50%, to help tamp down inflation.After holding pat on rate cuts for most of 2025, the Fed finally cut the federal funds rate to 4.00%-4.25% at its Sept. 16-17 meeting, then cut it again to 3.75%-4.00% on Oct. 28-29. The Fed's next meeting is slated for Dec. 9-10.Keep in mind that CD rates aren't far from their recent peaks, and you still have the chance to lock in competitive rates on both short-term and long-term CDs. By contributing a larger lump sum to your CD investment, you can achieve considerable interest earnings.Historical CD ratesIn the early 1980s, CD rates soared into double digits, starkly contrasting rates in 2025. By 2019, however, the APY for a five-year CD was just above 3.00%.Throughout the early 2020s, top rates generally stayed below 1.00% APY. Recently, we saw a period of rising rates, with the best offerings exceeding 5.00% APY for 1-year CDs. These are beginning to fall slightly, but are still much higher than pre-pandemic times.How to get a good CD rateDetermining a "good" CD rate depends on balancing the highest rate with your ability to keep funds locked for the term. For example, a 5.00% APY CD over five years might not be ideal if you need liquidity sooner or if rates rise, leaving you with a lower return. Generally, rates above the national average are worthwhile. Compare rates across banks for your desired term to find the best option.Key factors to evaluate when comparing CDs include:Term length:Ensure it matches your savings goals and timeline.APY:Higher rates are usually offered for longer terms.Penalties:Understand the costs associated with early withdrawals.Minimum deposit:Ensure you meet the required minimum balance.Deposit insurance:Verify Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) coverage.Additionally, online banks typically offer higher interest rates—but check for any minimum balance requirements and associated fees. Opting for a bank rather than a broker might help avoid unnecessary fees.Look into offerings from online banksOnline banks and financial technology companies (fintechs) typically offer better rates than national banks. Large financial institutions generate revenue primarily through interest on loans, fees, and investments in securities.Alternatively, smaller banks and online fintech companies attract new customers by offering competitive APYs on deposit accounts. Additionally, online banks usually have lower overhead costs, enabling them to provide better rates to their clients.Set up a CD ladderCD ladders are ideal for savers reluctant to lock in their money for long periods of time. By splitting savings across CDs with varying maturities, you can enjoy both short-term access and higher long-term rates.For example, you could invest $3,000 in three staggered CDs (1-year, 2-year, and 3-year). As each CD matures, reinvest the money into a new 3-year CD. This strategy provides annual access to your money plus the interest earned.SponsoredAdvertiser Disclosure Advertiser Disclosure:Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.FastBreak™ : Guaranteed AnnuityPROMO:Best for High DepositsProduct DisclosureProduct DisclosureAnnuity rates are subject to change at any time, and the rate mentioned may no longer be current. Please visit Gainbridge.io for current rates, full product disclosures, and disclaimer. Withdrawals above the 10 percent free withdrawal amount subject to a withdrawal charge and market value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity; instead, it is taxed annually. FastBreak™ : Guaranteed AnnuityPROMO:Best for High DepositsAnnual Percentage YieldTerm LengthMin. DepositRates as of 12/12/2025on FastBreak™'s website4.90%36 mos$1000View DetailsAnnual Percentage YieldTerm LengthMin. DepositRates as of 12/12/2025on FastBreak™'s website5.00%60 mos$1000View DetailsQuontic Bank : Certificate of DepositMember FDICProduct DisclosureProduct DisclosureWithdrawals before the maturity date are subject to penalties Quontic Bank : Certificate of DepositAnnual Percentage YieldTerm LengthMin. 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} #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-m-hide, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-m-hide, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-m-hide { display: none !important; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .seeMoreTerms, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .seeMoreTerms, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .seeMoreTerms { max-width: 400px; margin-left: auto; margin-right: auto; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .logo-image-wrapper, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .logo-image-wrapper, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .logo-image-wrapper { max-width: 200px; min-height: unset; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-row-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-row-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-row-container { flex: 0 0 100%; order: 2; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-row-sub-container .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-row-sub-container .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-row-sub-container .sh-title-container { display: flex; margin-bottom: 15px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop #sh-header-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop #sh-header-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop #sh-header-container { padding: 0 20px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-d-hide, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-d-hide, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-d-hide { display: block !important; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-listing-content-wrapper, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-listing-content-wrapper, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-listing-content-wrapper { display: block; padding: 20px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-promo .sh-promo-text, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-promo .sh-promo-text, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-promo .sh-promo-text { font: normal normal normal 16px/25px Roboto; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-btn__text { width: 100%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-fdic-insured, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-fdic-insured, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-fdic-insured { padding: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .product-details-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .product-details-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .product-details-container { display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .product-details-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .product-details-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .product-details-container { margin-top: 0px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-title, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-title, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-title { font: normal normal bold 16px/24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-promo, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-promo, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-promo { max-width: 400px; margin: 0 auto 20px; text-align: left; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-promo-offer-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-promo-offer-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-promo-offer-container { max-width: 400px; margin: auto; padding-top: 15px; align-items: baseline; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row-sub-container span.sh-row-value { font-size: 20px; padding: 15px 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-title-container { display: flex; margin-bottom: 15px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-title-container { flex-flow: row wrap; align-items: flex-start; height: 60px; margin-bottom: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row2-container { display: block !important; order: 1; height: 30px; flex: 0 0 100%; background-color: #E8EDF1; padding-top: 8px; box-sizing: border-box; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-fdic-dis-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-fdic-dis-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-fdic-dis-container { display: flex; justify-content: space-between; max-width: 400px; margin: auto; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-cta-container { padding-right: 0; padding-top: 8px; box-sizing: border-box; padding-top: 15px; border-bottom: 1px solid #D0E0EE; padding-bottom: 25px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-cta-container { padding-top: 0px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .mobile-bottom-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .mobile-bottom-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .mobile-bottom-container { display: flex; justify-content: space-evenly; margin: 20px 0 0 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .mobile-bottom-container .sh-fdic-insured, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .mobile-bottom-container .sh-fdic-insured, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .mobile-bottom-container .sh-fdic-insured { padding: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-title-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-title-container { height: 72px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-row-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-row-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-title-container .sh-row-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-title-container .sh-row-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; padding: 0 15px; } #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 0px; width: 163px; } #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } @media only screen and (max-width : 767px) { #WzUJIcQWCfKIZoSI.poweredByMBT .sh-widget-footer-MBT { padding: 0 20px; } } #WzUJIcQWCfKIZoSI.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #WzUJIcQWCfKIZoSI.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #WzUJIcQWCfKIZoSI.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } #WzUJIcQWCfKIZoSI .sh-row-container.sh-apy-value { height: 24px; } #WzUJIcQWCfKIZoSI .sh-title-container { height: 45px; } #WzUJIcQWCfKIZoSI .sh-row-product-title { padding-top: 10px; } @media only screen and (max-width: 850px) { #WzUJIcQWCfKIZoSI .sh-row-product-title { padding-top: 8px; } } @media only screen and (max-width: 767px) { #WzUJIcQWCfKIZoSI .sh-first-product .sh-title-container { height: 72px; } #WzUJIcQWCfKIZoSI .sh-row-container .sh-row-product-title { padding-top: 8px; padding-left: 2px; } #WzUJIcQWCfKIZoSI .sh-first-product .sh-title-container .sh-row-container { height: 42px; } #WzUJIcQWCfKIZoSI .sh-first-product .sh-row2-container .sh-row-product-title { padding: 0; } } @media only screen and (max-width: 480px) { #WzUJIcQWCfKIZoSI .sh-row-container .sh-apy-value { flex: 0 0 32%; } } @media only screen and (max-width: 380px) { #WzUJIcQWCfKIZoSI .sh-row-container .sh-apy-value { flex: 0 0 35%; } } @media only screen and (max-width: 348px) { #WzUJIcQWCfKIZoSI .sh-row-container .sh-apy-value { flex: 0 0 40%; } } #WzUJIcQWCfKIZoSI .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #WzUJIcQWCfKIZoSI.loadingMessage .sh-loading-msg { display: block; } #WzUJIcQWCfKIZoSI.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media only screen and (max-width: 767px) { #WzUJIcQWCfKIZoSI .sh-loading-msg { font-size: 18px; } } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-container { padding: 20px 34px 20px 30px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-apy-value, #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-term-length, #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-min-dep { color: #5C666E; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 45px; justify-content: space-evenly; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-container { align-items: center; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 15px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title { height: auto; min-height: 15px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 20px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { color: #5C666E; padding-top: 12px; } #WzUJIcQWCfKIZoSI .sh-row-product-title.sh-bank-name { display: none; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: italic; font-size: 12px; color: #5c666e; margin-right: 15px; padding: 1px 0 10px 0; display: block; font-weight: 300; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title { padding: 0; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .product-details-container { justify-content: space-evenly; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-cta-container { padding-right: 0; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges #sh-header-container { padding: 0 15px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .shmktpl-disclosure-button { line-height: 22px; } /* Tablet View (768px to 1024px) */ @media (max-width: 1024px) { #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-container { padding: 12px 26px 10px 22px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 24px; } } /* Mobile View (Below 768px) */ @media (max-width: 767px) { #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } } @media (max-width: 370px){ #WzUJIcQWCfKIZoSI.cdBankingDesignChanges .sh-row-product-title.sh-bank-name{ top: 214px; } } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-container { padding: 5px 20px 10px 16px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-listing-content-wrapper { margin-bottom: 16px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-cta-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-cta-container { padding-bottom: 45px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: absolute; top: 176px; margin-right: 0; width: 100%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-first-product .sh-row2-container { position: relative; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.cdBankingDesignChanges .sh-row-product-title.sh-date { padding-top: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box650.device-desktop .sh-first-product .sh-row2-container, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop .sh-first-product .sh-row2-container { background-color: #D6D4FF; } #WzUJIcQWCfKIZoSI .sh-gb-banner.sh-promo { display: none !important; } #WzUJIcQWCfKIZoSI.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: block !important; } @media only screen and (max-width: 767px) { #WzUJIcQWCfKIZoSI.gbBanner .sh-gb-banner.sh-promo.sh-m-hide { display: none !important; } #WzUJIcQWCfKIZoSI.gbBanner .sh-gb-banner.sh-promo.sh-d-hide { display: block !important; } } #WzUJIcQWCfKIZoSI.hidePromoText .sh-listing-content-wrapper .sh-promo{ display: none; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-listing-content-wrapper{ margin-bottom: 24px; display: flex; padding: 30px 15px 20px 15px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-logo{ flex: 0 0 20%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-main-container{ flex: 0 0 77%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .logo-image-wrapper{ max-width: 137px; min-height: 90px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges img.logo-image{ max-width: 75%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-container{ flex: 0 0 67%; order: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 36%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 4px; padding-top: 12px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-btn__text{ width: 140px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges #sh-header-container{ padding: 0 15px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-d-hide{ display: none !important; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-m-hide{ display: block !important; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-title{ font: normal normal bold 18px/24px Roboto; margin: 0 0 23px 0; text-align: left; max-width: 100%; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-fdic-dis-container{ display: block; max-width: 100%; margin: auto; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-gb-banner.sh-promo{ display: none !important; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .product-details-container{ display: flex; justify-content: space-evenly; max-width: 100%; margin: unset; border-bottom: 1px solid #D0E0EE; margin-top: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container{ height: auto; display: flex; flex-flow: row nowrap; align-items: unset } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row2-container{ order: unset; height: unset; flex: 0 0 150px; padding-top: unset; box-sizing: unset; background-color: transparent; position: relative; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: unset; margin-right: 15px; width: 100%; padding: 1px 0 10px 0; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font: normal normal bold 24px/24px Roboto; padding: 12px 0px; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-cta-container{ padding: 12px 0px; box-sizing: unset; border-bottom: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-title-container{ display: none; margin: unset; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-promo{ width: 100%; margin: -10px 0 20px; text-align: left; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-promo .sh-promo-text{ font: normal normal normal 16px/24px Roboto; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-fdic-insured{ padding: 20px 0 7px 0; } #WzUJIcQWCfKIZoSI.sh-box700.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg, #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-fdic-insured .sh-icon svg{ vertical-align: unset; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-listing-content-wrapper{ display: block; padding: 20px; margin-bottom: 16px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .logo-image-wrapper{ max-width: 200px; min-height: unset; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges img.logo-image{ max-width: inherit; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-d-hide { display: block !important; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-title{ font: normal normal bold 16px / 24px Roboto; margin: 15px auto; text-align: left; max-width: 400px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-fdic-dis-container{ display: flex; justify-content: space-between; max-width: 400px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-fdic-insured{ padding: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-m-hide { display: none !important; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .product-details-container{ display: block; max-width: 400px; margin: auto; border-bottom: 0; margin-top: 25px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container{ flex-flow: row wrap; align-items: flex-start; margin-bottom: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-container{ flex: 0 0 100%; order: 2; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-title-container .sh-row-container{ height: 42px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-container .sh-row-product-title{ padding: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-product-title{ flex: 0 0 27%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-container .sh-apy-value{ flex: 0 0 32%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row2-container{ display: block !important; order: 1; height: 30px; flex: 0 0 100%; padding-top: 8px; box-sizing: border-box; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-date{ margin-right: 0; padding-top: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-row-product-title.sh-bank-name{ position: absolute; top: 176px; margin-right: 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-row-sub-container span.sh-row-value{ font-size: 20px; padding: 15px 0; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-cta-container{ padding: 15px 0 45px; box-sizing: border-box; border-bottom: 1px solid #D0E0EE; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-cta-container{ padding: 0 0 45px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-first-product .sh-btn__text, #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-btn__text{ width: 100%; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-title-container{ display: flex; margin-bottom: 15px; } #WzUJIcQWCfKIZoSI.sh-box600.device-desktop.experianChanges .sh-promo{ margin: 0 auto 20px } #qsWidgetContainer176, #qsWidgetContainer176 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer176 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer176 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer176 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer176 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer176 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer176 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer176 .listing:first-child { margin-top: 0; } #qsWidgetContainer176 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer176 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer176 .logo-column.flex-container, #qsWidgetContainer176 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer176 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer176 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer176 .apy-label, #qsWidgetContainer176 .curDate, #qsWidgetContainer176 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer176 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer176 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer176 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer176 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer176 .prop-value-container { align-items: stretch; } #qsWidgetContainer176 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer176 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer176 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer176 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer176 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer176 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer176 #sh-star-icon { top: -2px; } #qsWidgetContainer176 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer176 #see_more_carrier, #qsWidgetContainer176 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer176 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer176 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer176 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer176 .shmktpl-sponsored, #qsWidgetContainer176 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer176 .sh-logo { flex-shrink: 1; } #qsWidgetContainer176 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer176 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer176 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer176 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer176 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer176 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer176 .sh-first-product .sh-btn__text, #qsWidgetContainer176 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer176 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer176 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer176 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer176 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer176 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer176 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer176 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer176 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer176 .listing-title { font-size: 20px; font-weight: 600; } }Types of CDs you should know aboutDifferent types of CDs serve various needs:Brokered CDsare purchased and sold through brokerage accounts rather than directly from banks or credit unions. Brokered CDs typically offer higher APYs than traditional CDs because they are issued by banks and then sold to brokerages.Callable CDsinclude a call feature that allows the issuing institution to terminate the CD before its maturity date. If this feature is exercised, investors receive their principal and any accrued interest up to the call date.Bump-up CDsallow you to request a higher APY if interest rates rise after you've opened the account. You can usually adjust the rate once or twice during the CD's term.No-penalty CDsdo not impose penalties for early withdrawals before maturity. This type is less common and may offer lower APYs than traditional CDs.Jumbo CDsrequire a minimum initial deposit, often starting at $100,000 or more. They generally offer higher APYs than standard CDs.Variable-rate CDshave an APY that changes in response to prevailing interest rates. These CDs carry more risk than traditional CDs because decreasing interest rates before maturity can lead to a lower yield.Series on daily CD rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current refi mortgage rates report for Oct. 30, 2025
Personal Finance 2025-12-20 09:53:13

Current refi mortgage rates report for Oct. 30, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.21%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.21%20-year6.18%15-year5.51%10-year5.84%Jumbo mortgages30-year7.31%15-year5.93%FHA loans30-year5.50%15-year5.19%VA loans30-year6.01%15-year5.91%Note thatFortunereviewed the most recent Zillow data available as of October 29, 2025.How mortgage refinancing worksBoiled down to the basics, mortgage refinancing involves paying off your existing loan with a new one. This process requires meeting the lender’s criteria as is the case for any loan—including your credit profile, income verification, and debt-to-income (DTI) ratio. The application process may knock your credit score a little bit due to a hard inquiry, and there’s also the risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates might decrease following the Federal Reserve’s cuts to the federal funds rate late last year. But mortgage rates long remained near 7% for 30-year, fixed-rate loans nationwide. Mortgage interest rates remain significantly elevated compared to the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to Redfin. This means a large number of Americans have been experiencing the lock-in effect, unable to move or refinance because they’re hanging onto a once-in-a-lifetime rate. However, some relief came in sight toward the end of August and beginning of September 2025. Mortgage rates trended noticeably downward, averaging closer to 6% for 30-year, fixed-rate loans than had been seen in almost a year. This was largely connected with markets anticipating the Fed would cut the federal funds rate when it met Sept. 16-17. The central bank delivered on this expectation, reducing its benchmark rate by a quarter percentage point.When it might make sense to refinance your mortgageRefinancing comes with upfront costs, so it’s important to consider when it’s beneficial. One guideline you’ll often hear is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For instance, if you took out a loan at 7% and rates have since declined, refinancing at 6% would probably be a smart call in terms of long-term savings.You might also refinance to tap into your home equity via a cash-out refinance (which typically requires that you have at least 20% equity built up). Refinancing can also help if you want to change your loan term or switch loan types, such as moving from an FHA loan to a conventional loan to get rid of the FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage to a fixed-rate mortgage to avoid the potential for rate hikes.Additionally, refinancing can be beneficial if you want to adjust your loan term. For example, switching from a 15-year to a 30-year mortgage can allow for smaller monthly payments, which might be more manageable if your financial situation has changed.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable in the terms of your current loan).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the right one for you will depend on what you’re trying to do and what type of mortgage you currently have. Here are some common refi types:Rate-and-term refinance:This is probably the most popular refi, offering the chance to secure a lower interest rate or change your loan term. Just know that if you choose to shorten your loan term, while that does typically come with a lower rate and meaningful lifetime interest savings, you’ll have to budget for higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by paying off your existing loan balance and accepting a new, larger one. You withdraw the difference in cash. That money can then be used for home improvements, consolidating high-interest debt, or virtually any other financial goal you may have.No-closing-cost refinance:Approach this one with a healthy level of skepticism. With this type of refi, your lender covers the closing costs in exchange for charging a higher interest rate. If you don’t have cash on hand for closing costs and could otherwise benefit from a refinance, this option may be worth a look.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, a streamline refi will typically involve less documentation and offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around might potentially help you find better rates and service. That said, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should at least do the due diligence of checking with your existing lender before making a decision. Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current refi mortgage rates report for Nov. 7, 2025
Personal Finance 2026-01-06 02:33:42

Current refi mortgage rates report for Nov. 7, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.34%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.34%20-year6.41%15-year5.64%10-year5.84%Jumbo mortgages30-year7.09%15-year6.16%FHA loans30-year6.05%15-year5.53%VA loans30-year6.01%15-year6.08%Note thatFortunereviewed the most recent Zillow data available as of Nov. 6.How mortgage refinancing worksBoiled down to the basics, a mortgage refinance replaces your existing home loan with a new one. As when you applied for a mortgage to purchase your home, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process typically results in a small hit to your credit score due to a hard inquiry. And, be aware there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some market watchers had hoped that mortgage interest rates would fall as the Federal Reserve made several cuts to the federal funds rate late last year. However, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate loans—for months. Rates have long remained well above the pandemic-era lows, when some homeowners were able to get rates in the 2% or 3% ranges. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%. Many have been essentially locked in with their existing home loans, unable or unwilling to move or refinance in the current environment.But homeowners finally got a little relief starting in late August and early September of 2025. Mortgage rates dropped in a noticeable way ahead of the Sept. 16-17 Fed meeting, where the central bank delivered a widely anticipated rate cut of a quarter percentage point. Then, the Fed followed up with a second cut of a quarter percentage point at the end of October.When it might make sense to refinance your mortgageAs we’ll cover more in the section below this one, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One rule of thumb many experts use is that if you can get a new rate a full percentage point lower than the one you have right now, it’s probably worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% should strongly consider a refi if market conditions are in a place where that homeowner could now get a 6% rate.It may also be strategic to refinance if you want to tap your home equity through a cash-out refi. Be aware you’ll typically need to have at least 20% equity in your home to be able to do this. So, for those who got into their home with the 5% minimum down payment generally available on conventional mortgages, it could take a while before you’re in a place to leverage a cash-out refi. Yet another case where a refi can help is to change your loan term. For example, maybe you applied for a 15-year mortgage when you bought the home, knowing that in exchange for higher monthly payments you’d save a boatload on interest charges over time. But then, your circumstances changed and now your monthly payments are stretching your budget. Refinancing to a 30-year loan might give you much-needed flexibility to make lower payments in that situation.You may also wish to refi if you’re hoping to switch loan types. Maybe you have an FHA loan with lifetime mortgage insurance (called MIP on this type of loan) requirements, and you want to switch to a conventional loan to get rid of this. Or perhaps you took out an adjustable-rate mortgage (ARM) but now you’ve decided to stay in the home for a longer time and don’t want to deal with the chance of rate hikes during the adjustment period. In that case, refinancing to a fixed-rate home loan could make sense. Costs to refinance your mortgageMuch like the traditional home loan you likely took out to buy your house, refinancing a mortgage involves closing costs that can run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might pay anywhere from $6,000 to $18,000 in refi closing costs.Here are some costs you might see listed on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the one you need will depend on your goals and also on your existing mortgage. Here are some common refi options to consider:Rate-and-term refinance:This is likely the most popular refi option and offers a chance to lower your interest rate and/or get a different loan term. Just know if you opt for a shorter loan term, while that typically earns you a lower rate and also hefty lifetime interest savings, you’ll be committing to higher monthly payments.Cash-out refinance:With a cash-out refi, you tap your home’s equity by replacing your existing loan balance with a larger one and taking the difference in cash. You can use the money for home improvements, consolidating high-interest debt, or virtually any other financial goal.No-closing-cost refinance:With this type of refi, the lender covers closing costs but charges you a higher interest rate. If you don’t have cash upfront for closing costs and think you could otherwise benefit from a refinance, this option may be worth a look. But approach it with careful scrutiny.Streamline refinance:These are generally available to existing FHA, VA and USDA loan borrowers, and will typically involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not obligated to stick with the lender you got your original mortgage from when you refi. In fact, it’s probably worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stay with them, such as waiving a portion of the closing costs. Since these upfront charges can be something of a barrier to those who want to refinance, incentives can make a refi more feasible, and it’s worth broaching the conversation with your lender.Lastly, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Living together with a partner for the first time
Health 2026-01-12 12:22:11

Living together with a partner for the first time

ContentsFinancial planning and transparencyLegal considerations and cohabitation agreementsBalancing career and household responsibilitiesNurturing the relationshipLiving with a partner can be an important milestone in a relationship. However, if you want to live a happy home life with your partner, it’s worth doing some preparation and planning. Failure to do this properly can lead to disagreements and conflict.But what exactly are things worth discussing prior to the move?Financial planning and transparencyIf you’re not upfront about the way you handle money, you may end up resenting—or resenting—your partner. Make sure you understand how the bills are divided. For some couples, this means an even split; for others this will not be the case. It’s about reaching an agreement.You can possibly create a joint account for shared costs. This gives you the freedom to spend or save with your own money. According to a recent studyAround a quarter of Brits in long-term relationships hide their savings from their partners. This is not a recipe for a healthy long-term relationship.Legal considerations and cohabitation agreementsIf you live together, you do not enjoy the same automatic rights as married couples. This means you run the risk that your assets will be taken from you in the event of a division. It is often worthwhile to conclude a formal cohabitation agreement, so that any ambiguities are removed and both parties know exactly where they stand.If you add up all your expenses, you may have to pay for things collectively. This can often save money for both parties. For example, you can insure both your vehicles with multi-car insurance..u751e3868f2c4b9c9bff627c98ce216e3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u751e3868f2c4b9c9bff627c98ce216e3:active, .u751e3868f2c4b9c9bff627c98ce216e3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u751e3868f2c4b9c9bff627c98ce216e3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u751e3868f2c4b9c9bff627c98ce216e3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u751e3868f2c4b9c9bff627c98ce216e3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u751e3868f2c4b9c9bff627c98ce216e3:hover .postTitle { text-decoration: underline!important; } See alsoReset your well-being in 2 weeks: here's howBalancing career and household responsibilitiesBecause you live together, you have a new set of household chores to take into account. It’s worth figuring out how this workload will be allocated. If one partner earns much more than the other, it may be wise for that person to work long hours while their partner does the dishes, laundry, and vacuuming. On the other hand, this assumption is not always justified. It’s worth discussing what your career goals are and how you can support each other while maintaining a sensible work-life balance.Nurturing the relationshipAfter you move in together, you may be surprised at how your relationship changes. Make sure you can communicate openly with each other. A fixed schedule, and making time for things like date night can be helpful. During this period, you are likely to encounter problems. In a healthy long-term relationship, you can openly discuss any issues and see if you can find a solution that meets the needs of both parties.

Sporting set cut-price fee for Gyokeres despite £85m clause, eyed by 4 EPL clubs
Sports 2025-12-18 08:02:59

Sporting set cut-price fee for Gyokeres despite £85m clause, eyed by 4 EPL clubs

Sporting Lisbon are reportedly prepared to let Viktor Gyokeres leave the club next summer, with four Premier League clubs in the race for the Swedish forward.Gyokeres is currently contracted to the Portuguese giants until 2028, with his release clause set at £85million. Sporting Lisbon are reportedly prepared to let Viktor Gyokeres leave the club next summer, with four Premier League clubs in the race for the Swedish forward. Gyokeres is currently contracted to the Portuguese giants until 2028, with his release clause set at £85million. According to the Sky Germany, an agreement has been reached that Gyokeres will be able to leave for between £50-58million. Gyokeres will reportedly not leave the club during the January transfer window, but a move next summer is considered likely. The report claims Premier League giants Arsenal, Chelsea, Liverpool and Man City are among those tracking Gyokeres. The quartet have reportedly been informed of the significant drop in the 26-year-old's price tag. Manchester United are not considered to be in the race at this stage, but the Red Devils position could change if Gyokeres' current head coach at Sporting Ruben Amorim takes charge of the Premier League side. Gyokeres has been a stunning success at Sporting since joining from Championship side Coventry in a £20millon move in 2023. His debut season at the Portuguese club saw the forward score 43 goals and provide 15 assists in 50 matches. Gyokeres' form in front of goal proved vital in Sporting securing the Portuguese title last season. Gyokeres' form has continued for Sporting so far this season, with 14 goals and four assists in their 14 matches to date. Two of his goals have come in victories in the Champions League, which have helped Sporting to eighth place after three matches in the new look competition. The forward has also scored 10 times for the Swedish national team in 24 appearances. Gyokeres previously played for Premier League outfit Brighton with the Seagulls signing the forward as a teenager. He spent time on loan at St Pauli, Swansea and Coventry, before joining the Sky Blues on a permanent basis in 2021. Sporting moved for the forward after he scored 22 goals in 50 matches for Coventry, after the club were beaten in the play-off final in 2023. Coventry will reportedly be due 15 per cent of a future fee from Gyokeres' next move.

Current refi mortgage rates report for Nov. 4, 2025
Personal Finance 2026-01-03 23:56:02

Current refi mortgage rates report for Nov. 4, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.39%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.39%20-year6.41%15-year5.64%10-year5.84%Jumbo mortgages30-year7.06%15-year6.28%FHA loans30-year7.25%15-year5.25%VA loans30-year6.53%15-year6.20%Note thatFortunereviewed the most recent Zillow data available as of Nov. 3.How mortgage refinancing worksMortgage refinancing involves replacing your existing home loan with a new one. Similar to your initial mortgage application, you’ll need to apply and meet lender criteria, including your credit profile, income verification, debt-to-income (DTI) ratio, and more. This process typically results in a small hit to your credit score due to the hard inquiry, and there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates would decrease following the Federal Reserve’s cuts to the federal funds rate late last year. However, mortgage rates remained stubbornly near the 7% mark for 30-year, fixed-rate loans nationwide. Although rates dipped slightly toward the end of February, moving closer to 6.5%, they remain significantly higher than the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to a Redfin report. That means a significant chunk of homeowners have been locked in, unwilling or unable to move or refinance with rates as high as they are currently. Still, homeowners got some relief starting in late August and early September of 2025, when mortgage rates started trending downward ahead of the Sept. 16-17 Fed meeting. They dropped to a low not seen in almost a year, and the Fed delivered a much anticipated reduction of a quarter percentage point to the federal funds rate.Mortgage rates inched down further leading up to the Fed’s Oct. 28-29 meeting, at which the central bank cut the federal funds rate by another quarter percentage point.When it might make sense to refinance your mortgageRefinancing isn’t free, so it’s crucial to weigh the costs before you apply for a refi. A guideline you’ll often hear is that refinancing makes sense if you can secure a rate that’s a full percentage point lower than your current rate. For example, if you have a 7% loan, refinancing when you’re able to land a 6% rate could be a smart move to save on interest charges over the life of your loan.  You might also consider a cash-out refinance to tap into your home equity—which typically requires at least 20% equity in your home. Homeowners have significant flexibility to use the cash disbursement from such a refi however they please, as there aren’t generally restrictions on what you can do with the cash portion of a cash-out refi. For example, you’re free to invest those funds, use them to cover a down payment on a vacation home or rental property, or pay off credit card debt. Refinancing can also allow you to change your loan term. For instance, someone originally took out a 15-year mortgage but finds their budget stretched may benefit from switching to a 30-year term for a smaller monthly payment.  And, refinancing can be a way to switch loan types, like moving from an FHA loan to a conventional one to get rid of your FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, you might pay between $6,000 and $18,000, for example. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable with your current loan).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans out there, and the right one for your needs will depend on your goals and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is probably the most popular type of refi. It lets you lower your interest rate and/or change your loan term. Note if you opt for a shorter term, while that does typically earn you a lower rate and substantial lifetime interest savings, you’ll be stuck with higher monthly mortgage payments.Cash-out refinance:A cash-out refi taps your home’s equity by replacing your existing loan balance with a new, larger one and withdrawing the difference in cash. You can use the money for a wide variety of purposes, including home improvements, consolidating high-interest debt, or other financial goals.No-closing-cost refinance:With this type of refi, the lender covers closing costs in exchange for levying a higher interest rate. If you don’t have the cash on hand to pay for closing costs and could otherwise benefit from a refinance, this option might be worth evaluating.Streamline refinance:These refis are for existing FHA, VA and USDA loan borrowers, and generally involve less documentation plus offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not obligated to refinance with your original lender, and shopping around can help you find the lowest interest rate available to you and perhaps the best service as well. However, your existing lender might offer incentives, such as waiving closing costs, if you stay with them. So you should at least broach the topic with your current lender.Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

The best savings account is offering 5.00% APY. Check out our list of the top high-yield savings accounts on Nov. 4, 2025
Personal Finance 2026-01-08 23:50:36

The best savings account is offering 5.00% APY. Check out our list of the top high-yield savings accounts on Nov. 4, 2025

Looking for a great place to stash your rainy-day emergency funds? There are still savings accounts offering rates of up to 5% APY, but they can be hard to find.When inflation rates started cooling off last year and the Federal Reserve eased monetary policy, savings rates declined from the nearly two-decade highs seen in 2022 and 2023. Over the past several months, the outlook on inflation and the U.S. economy has been less clear, so the Fed initially held off on reducing the federal funds rate. However, the central bank finally delivered its first cut of 2025 at the Sept. 16-17 meeting and another at the end of October.Markets also anticipate the potential for one more cut this year, as the Fed has a meeting scheduled for December.Fortunehas teamed up with Curinos, an expert team of financial industry consultants, to bring you the highest savings account rates available on November 4, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Cash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionJenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.DCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. 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justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #UrNuABsLOUyrjalB .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #UrNuABsLOUyrjalB .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #UrNuABsLOUyrjalB .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #UrNuABsLOUyrjalB .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #UrNuABsLOUyrjalB .disclosure-contnr { text-align: center; } #UrNuABsLOUyrjalB .listing-header-cntnr { margin-top: 34px; } #UrNuABsLOUyrjalB .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #UrNuABsLOUyrjalB .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #UrNuABsLOUyrjalB .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #UrNuABsLOUyrjalB .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #UrNuABsLOUyrjalB .apy-label { font: normal normal 900 24px / 28px Roboto; } #UrNuABsLOUyrjalB .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #UrNuABsLOUyrjalB .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #UrNuABsLOUyrjalB .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #UrNuABsLOUyrjalB .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #UrNuABsLOUyrjalB .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #UrNuABsLOUyrjalB .additional-content { margin-top: 0px !important; } #UrNuABsLOUyrjalB .additional-content ul li { margin-bottom: 0; } #UrNuABsLOUyrjalB .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #UrNuABsLOUyrjalB .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #UrNuABsLOUyrjalB .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #UrNuABsLOUyrjalB .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #UrNuABsLOUyrjalB .shArrow { width: 12px; height: 7px; } #UrNuABsLOUyrjalB span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #UrNuABsLOUyrjalB .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #UrNuABsLOUyrjalB .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #UrNuABsLOUyrjalB #see_more_carrier, #UrNuABsLOUyrjalB .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #UrNuABsLOUyrjalB .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #UrNuABsLOUyrjalB .apy-label p { margin-top: 0px; margin-bottom: 0px; } #UrNuABsLOUyrjalB .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #UrNuABsLOUyrjalB { padding: 0 26px; } #UrNuABsLOUyrjalB .logo-image-wrapper { width: 136px; } #UrNuABsLOUyrjalB .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UrNuABsLOUyrjalB .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UrNuABsLOUyrjalB .prop-value-container .apy-container { flex: 0 0 44%; } #UrNuABsLOUyrjalB .prop-value-container .mfee-container, #UrNuABsLOUyrjalB .prop-value-container .minvalue-container { flex: 0 0 28%; } #UrNuABsLOUyrjalB .ad-copy-top-section { margin-bottom: 15px; } #UrNuABsLOUyrjalB .sh-row-product-title { max-width: 136px; } #UrNuABsLOUyrjalB .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #UrNuABsLOUyrjalB .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #UrNuABsLOUyrjalB .logo-image-wrapper { width: 100%; max-width: 292px; } #UrNuABsLOUyrjalB .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #UrNuABsLOUyrjalB .ad-copy { margin-left: 0; } #UrNuABsLOUyrjalB .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #UrNuABsLOUyrjalB .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #UrNuABsLOUyrjalB .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #UrNuABsLOUyrjalB .see-more-text { padding: 16px 15px; } #UrNuABsLOUyrjalB .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #UrNuABsLOUyrjalB .top-section-right { margin-left: 0px; } #UrNuABsLOUyrjalB .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #UrNuABsLOUyrjalB.sizeone .header-section { padding: 6px 10px; } } #UrNuABsLOUyrjalB.sh-box650.device-desktop .row-1 { padding-left: 14px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box700.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box750.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box800.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box850.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box900.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box700.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box750.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box800.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box850.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box900.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box700.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box750.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box800.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box850.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box900.device-desktop .listing-title, #UrNuABsLOUyrjalB.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box700.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box750.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box800.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box850.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box900.device-desktop .shmktpl-button, #UrNuABsLOUyrjalB.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box750.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box800.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box850.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box900.device-desktop .prop-value-container .apy-container, #UrNuABsLOUyrjalB.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box750.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box800.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box850.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box900.device-desktop .prop-value-container .mfee-container, #UrNuABsLOUyrjalB.sh-box950.device-desktop .prop-value-container .mfee-container #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box750.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box800.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box850.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box900.device-desktop .prop-value-container .minvalue-container, #UrNuABsLOUyrjalB.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box700.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box750.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box800.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box850.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box900.device-desktop .sh-row-product-title, #UrNuABsLOUyrjalB.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box700.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box750.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box800.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box850.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box900.device-desktop .disclosure-content ul li, #UrNuABsLOUyrjalB.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box700.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box750.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box800.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box850.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box900.device-desktop .ad-copy-top-section, #UrNuABsLOUyrjalB.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #UrNuABsLOUyrjalB.sh-box650.device-desktop .row-1, #UrNuABsLOUyrjalB.sh-box700.device-desktop .row-1 , #UrNuABsLOUyrjalB.sh-box650.device-desktop .row-2, #UrNuABsLOUyrjalB.sh-box700.device-desktop .row-2 , #UrNuABsLOUyrjalB.sh-box500.device-desktop .row-1, #UrNuABsLOUyrjalB.sh-box550.device-desktop .row-1 , #UrNuABsLOUyrjalB.sh-box500.device-desktop .row-2, #UrNuABsLOUyrjalB.sh-box550.device-desktop .row-2{ display: unset; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box700.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box550.device-desktop .ad-copy, #UrNuABsLOUyrjalB.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box700.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box550.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box500.device-desktop .apy-label, #UrNuABsLOUyrjalB.sh-box650.device-desktop .prop-value, #UrNuABsLOUyrjalB.sh-box700.device-desktop .prop-value, #UrNuABsLOUyrjalB.sh-box550.device-desktop .prop-value, #UrNuABsLOUyrjalB.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box700.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box550.device-desktop .logo-image-wrapper, #UrNuABsLOUyrjalB.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #UrNuABsLOUyrjalB.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#UrNuABsLOUyrjalB.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#UrNuABsLOUyrjalB.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#UrNuABsLOUyrjalB.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #UrNuABsLOUyrjalB .shmktpl-title, #UrNuABsLOUyrjalB .sub-heading-container, #UrNuABsLOUyrjalB .filter-check-options-cntnr, #UrNuABsLOUyrjalB .listing-header-cntnr { display: none; } #UrNuABsLOUyrjalB.title .shmktpl-title, #UrNuABsLOUyrjalB.subHeading .sub-heading-container, #UrNuABsLOUyrjalB.multiSelectFilter .filter-check-options-cntnr, #UrNuABsLOUyrjalB.resultsText .listing-header-cntnr { display: flex; } #UrNuABsLOUyrjalB.sizeone .add-overlay-content { width: 62%; height: auto; } #UrNuABsLOUyrjalB.sizeone .disclosure-title { padding: 6px 0px; } #UrNuABsLOUyrjalB.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #UrNuABsLOUyrjalB .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #UrNuABsLOUyrjalB.sizeone .title-container { margin-top: 0; } #UrNuABsLOUyrjalB.sizeone .non_featured_list { margin-top: 0; } #UrNuABsLOUyrjalB.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #UrNuABsLOUyrjalB.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #UrNuABsLOUyrjalB .item { flex: 1 1 calc(50% - 48px); } #UrNuABsLOUyrjalB .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #UrNuABsLOUyrjalB .item:nth-of-type(4n+3), #UrNuABsLOUyrjalB .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #UrNuABsLOUyrjalB .item:nth-of-type(4n+1), #UrNuABsLOUyrjalB .item:nth-of-type(4n+1) + * { background-color: #fff; } #UrNuABsLOUyrjalB .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #UrNuABsLOUyrjalB .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #UrNuABsLOUyrjalB .desktop, #UrNuABsLOUyrjalB .desktop-inline { display: none; } #UrNuABsLOUyrjalB .mobile { display: block !important; } #UrNuABsLOUyrjalB { padding: 0 18px; } #UrNuABsLOUyrjalB .shmktpl-title { font-size: 24px; line-height: 29px; } #UrNuABsLOUyrjalB .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #UrNuABsLOUyrjalB .add-overlay-content { width: 80%; height: auto; } #UrNuABsLOUyrjalB .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #UrNuABsLOUyrjalB .row-1 { flex-flow: column; padding: 16px; } #UrNuABsLOUyrjalB .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #UrNuABsLOUyrjalB .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #UrNuABsLOUyrjalB .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #UrNuABsLOUyrjalB .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #UrNuABsLOUyrjalB .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #UrNuABsLOUyrjalB .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #UrNuABsLOUyrjalB .prop-value { margin-top: 0; } #UrNuABsLOUyrjalB .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #UrNuABsLOUyrjalB .non_featured_list { margin-top: 18px; } #UrNuABsLOUyrjalB .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #UrNuABsLOUyrjalB .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #UrNuABsLOUyrjalB .item:nth-child(3n), #UrNuABsLOUyrjalB .desktop-bg { background: none; } #UrNuABsLOUyrjalB .prod-desc-popup-content { padding: 0; } #UrNuABsLOUyrjalB .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #UrNuABsLOUyrjalB .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #UrNuABsLOUyrjalB .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #UrNuABsLOUyrjalB .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #UrNuABsLOUyrjalB .disclosure-content ul { padding-left: 14px; line-height: 28px; } #UrNuABsLOUyrjalB .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #UrNuABsLOUyrjalB .additional-features { flex: 0 0 100%; } #UrNuABsLOUyrjalB .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #UrNuABsLOUyrjalB.sizeone .listing-header-cntnr { display: none; } #UrNuABsLOUyrjalB.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #UrNuABsLOUyrjalB .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #UrNuABsLOUyrjalB .prod-desc-popup-content { position: fixed; } } #UrNuABsLOUyrjalB.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #UrNuABsLOUyrjalB.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #UrNuABsLOUyrjalB.listingAlignment .logo-image-wrapper img { width: 100%; } #UrNuABsLOUyrjalB.listingAlignment { padding: 0px; } #UrNuABsLOUyrjalB.listingAlignment .listing-title { font-size: 14px; } #UrNuABsLOUyrjalB.listingAlignment .listing-title span { font-size: 14px; } #UrNuABsLOUyrjalB.listingAlignment .row-1 { padding: 26px 10px; } #UrNuABsLOUyrjalB.listingAlignment .prop-name { font-size: 10px; } #UrNuABsLOUyrjalB.listingAlignment .prop-value { font-size: 14px } #UrNuABsLOUyrjalB.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #UrNuABsLOUyrjalB.listingAlignment .logo-column.flex-container { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .prop-conatiner { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .ad-copy-column.flex-container { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .cta-column.flex-container { flex: unset; } #UrNuABsLOUyrjalB.listingAlignment .disclosure-content ul li::before { content: unset; } #UrNuABsLOUyrjalB.listingAlignment .disclosure-content ul li { list-style: disc; } } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #UrNuABsLOUyrjalB.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #UrNuABsLOUyrjalB.ctaAlignment .cta-column.flex-container { display: block !important; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button { font-size: 16px; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #UrNuABsLOUyrjalB.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #UrNuABsLOUyrjalB .sh-no-listing-msg { padding: 20px 0px; } #UrNuABsLOUyrjalB .sh-widget-footer-MBT { display: none; } #UrNuABsLOUyrjalB.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #UrNuABsLOUyrjalB.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UrNuABsLOUyrjalB.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #UrNuABsLOUyrjalB .sh-widget-footer-QS { display: none; } #UrNuABsLOUyrjalB.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #UrNuABsLOUyrjalB.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #UrNuABsLOUyrjalB.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title, #UrNuABsLOUyrjalB.customizeColorEffect .prop-name, #UrNuABsLOUyrjalB.customizeColorEffect .prop-value, #UrNuABsLOUyrjalB.customizeColorEffect .curDate, #UrNuABsLOUyrjalB.customizeColorEffect span.current-date, #UrNuABsLOUyrjalB.customizeColorEffect .disclosure-content ul li, #UrNuABsLOUyrjalB.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #UrNuABsLOUyrjalB.customizeColorEffect .add-text, #UrNuABsLOUyrjalB.customizeColorEffect .see-more-text, #UrNuABsLOUyrjalB.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #UrNuABsLOUyrjalB.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #UrNuABsLOUyrjalB.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #UrNuABsLOUyrjalB.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #UrNuABsLOUyrjalB.sizeone.customizeColorEffect .header-section, #UrNuABsLOUyrjalB.customizeColorEffect .row-2 { background: #E9F0EC; } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title { display: unset; } #UrNuABsLOUyrjalB.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title .prod-name:hover, #UrNuABsLOUyrjalB.customizeColorEffect .listing-title:hover, #UrNuABsLOUyrjalB.customizeColorEffect .add-text:hover, #UrNuABsLOUyrjalB.customizeColorEffect .disclosure-contnr .text:hover, #UrNuABsLOUyrjalB.customizeColorEffect .see-more-text:hover { color: #EB0017; } #UrNuABsLOUyrjalB.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #UrNuABsLOUyrjalB.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #UrNuABsLOUyrjalB.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #UrNuABsLOUyrjalB.customizeColorEffect .listing-title { display: block; } #UrNuABsLOUyrjalB.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #UrNuABsLOUyrjalB.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #UrNuABsLOUyrjalB .sh-right-arrow { display: none; } #UrNuABsLOUyrjalB.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #UrNuABsLOUyrjalB .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #UrNuABsLOUyrjalB.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #UrNuABsLOUyrjalB.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #UrNuABsLOUyrjalB{position:relative;}.add-overlay-content{right: 4%;}#UrNuABsLOUyrjalB .shmktpl-button span.btn__text::after{display:none;} #UrNuABsLOUyrjalB .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #UrNuABsLOUyrjalB .shmktpl-button:hover{background:#0E86DE;} #UrNuABsLOUyrjalB .add-text:hover {color:#0E86DE;} #UrNuABsLOUyrjalB .listing-title .prod-name:hover{color:#0E86DE;} #UrNuABsLOUyrjalB .disclosure-contnr .text:hover{color:#0E86DE;} #UrNuABsLOUyrjalB .see-more-text{width:68px} #UrNuABsLOUyrjalB .see-more-text:hover{color:#0E86DE;} #UrNuABsLOUyrjalB .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best savings account rates on November 4, 2025: Earn up to 5.00% APYThe best high-yield savings account rate on the market is 5.00%, offered by Varo Money. Other institutions offering highly competitive yields include Axos Bank, SoFi, and Presidential Bank.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their savings. Here are the highest savings account rates available:FDIC average national deposit rates: January 2020 to presentDetermining if you’re getting a strong rate of return on your savings account is easy when you take a look at the national average savings rate, which currently sits at 0.40%. This is down from a historic high of 0.47% in March 2024, before the Fed’s three consecutive rate cuts last year and first rate cut of 2025 in September.Savings account news in 2025Fed monetary policy choices have a direct impact on average savings account rates. When the central bank increases its benchmark rate, financial institutions typically respond by raising the interest offered on savings accounts to stay competitive. When the Fed cut rates, yields on savings accounts tend to decrease.When it comes to the savings account rates offered by individual financial institutions, other considerations are in play. Banks adjust APYs based on various factors, including their own financial strategies, efforts to attract new customers, and overall market conditions.Note that banks can and do change the interest rates on savings accounts at any time, for any reason. Changes frequently occur following Fed meetings, which are held approximately eight times per year. For example, the Fed implemented three rate cuts in late 2024. Almost immediately, numerous banks began reducing their savings account APYs. After holding pat for many months in 2025, the Fed reduced its benchmark rate by a quarter percentage point at the Sept. 16-17 meeting and again by another quarter percentage point on Oct. 28-29. There’s still one more meeting left this year, and financial institutions might decrease their APYs if they sense the Fed is going to make another cut to the federal funds rate.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; 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font-weight: 600; } }Keep your eyes open for high-yield savings accountsTechnically speaking, there isn’t a special banking deposit product called a “high-yield savings account.” The term is commonly applied to accounts that offer the highest APYs, commonly orders of magnitude greater than the average. While the national average savings rate stands at 0.40% on November 4, 2025, many high-yield accounts offer rates exceeding 4%.Traditional accounts often provide physical branch access with lower rates, while high-yield accounts are typically offered by online banks and feature higher rates, but limited in-person services. But regardless of what savings account you use, you can expect to pay taxes on any interest earned.Consider opening a high-yield savings account for these advantages:Significantly higher interest rates compared to traditional savings accountsOften free from minimum balance requirements or monthly feesEasy access to your fundsIdeal for emergency funds or short-term savings goalsFDIC-insured, providing the same protection as traditional banksWhen evaluating savings accounts, seek competitive APYs to maximize your earnings. Many high-yield accounts have no minimum balance requirements nor monthly maintenance fees, but make sure to read the fine print. You should also ensure the account provides easy access to withdrawals or transfers when needed (bonus points for accounts that waive foreign ATM fees). Remember to verify FDIC insurance coverage, and don’t forget that some banks offer attractive welcome incentives for new customers.Frequently asked questionsHow often do APYs on high-yield savings accounts change?There’s no fixed schedule for when your high-yield savings account’s APY might change. Banks and credit unions can adjust these rates whenever they choose. Typically, though, you’ll notice rate changes follow shifts in the Federal Reserve’s benchmark rate—when the Fed moves the federal funds rate up or down, banks often do the same with their savings products.Should I switch banks if I find a savings account with a higher rate?You’re not restricted from having savings accounts at different banks, so switching is an option. However, make sure the higher APY justifies the hassle, and watch for any minimum deposit requirements that could impact your returns.How easy is it to withdraw money from a HYSA?With many banks, withdrawing from a high-yield savings account is straightforward—transfers to external accounts can usually be done online in just a few steps. Still, know that many institutions may limit you to six withdrawals per month.Should I choose an online-only bank for my HYSA?Because they operate without physical branches, online-only banks may be able to offer higher rates on savings accounts, making them an attractive option for many savers.Can I lose money in a high-yield savings account?As long as your HYSA is with an FDIC-insured bank or an NCUA-insured credit union, your money is protected up to the insurance limit. We’ll also note you’re not at risk of losing your principal like you could in the stock market—though inflation could erode your purchasing power over time.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Navigating after service trauma and building a healthy life
Health 2025-12-30 21:37:29

Navigating after service trauma and building a healthy life

ContentsThe Silent Battle: Impact of untreated traumaThe power of support and resourcesSecure stable housing: the basis for healingBuilding healthy habits for a lively lifeThe road to recovery: embracing the journeyVeterans who return from active service are often confronted with the discouraging task of re -integrating into civilian life. This transition is rarely simple, especially when the mental and emotional war places remain untreated. The effects of untreated trauma can considerably influence the well -being, relationships and the overall quality of life of a veteran. But with the right support, resources and mindset, veterans can overcome these challenges and build a healthy, lively life after the service. Insight into the complexity of post-service trauma is essential for supporting veterans in their journey to healing.The Silent Battle: Impact of untreated traumaMany veterans return home with untreated trauma, often in the form of post -traumatic stress disorder (PTSD). PTSD is a mental health status that can develop after a person experiences a life -threatening or deeply disturbing event, such as fighting. The symptoms of PTSD are flashbacks, nightmares, hypervigilance, anxiety, depression and emotional numbness. Unfortunately, the stigma around mental health in the army can prevent many veterans from seeking the help they need. The “tough it” mentality that is often ingrained in military culture can cause veterans to feel isolated and cautious to admit that they are struggling.Even if PTSD is not present, other forms of trauma, such as moral injury or feeling of guilt from survivors, can deeply influence Emotional and psychological health of veterans. These invisible wounds often remain untreated for years, so that veterans are not fully concerned with life after the service. The trauma can manifest itself in various ways, such as difficulty maintaining relationships, problems with holding a job or entering into unhealthy coping mechanisms such as substance abuse or self-insulation. Without tackling these problems, veterans can be stuck and unable to find peace or goal after the service..u5593a7c0596fbade1579ea7c46ece9d9 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u5593a7c0596fbade1579ea7c46ece9d9:active, .u5593a7c0596fbade1579ea7c46ece9d9:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u5593a7c0596fbade1579ea7c46ece9d9 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u5593a7c0596fbade1579ea7c46ece9d9 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u5593a7c0596fbade1579ea7c46ece9d9 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u5593a7c0596fbade1579ea7c46ece9d9:hover .postTitle { text-decoration: underline!important; } See alsoWhy analyzing your life path is crucial for mental health awarenessThe power of support and resourcesOne of the most crucial elements in navigating by post-service trauma is the ability to seek and accept help. Although it may feel difficult in the beginning, achieving support is the first step in the healing process. Fortunately there are numerous sources available for veterans, and access to these sources can be transforming.The US Department of Veterans Affairs (VA) offers a wide range of programs that are designed to help veterans recover from trauma, including counseling, mental health care and support groups. For example, the veterinary centers of the VA offer confidential counseling of adaptation to veterans and their families, so that they are helped with the challenges of the transition to civilian life. Through these services, veterans can make contact with recognized professionals who understand the unique struggles with which they are confronted.In addition to formal programs, support for fellow veterans can be a powerful source of healing. Peer support groups offer veterans a safe space to share their experiences, to validate each other’s feelings and offer encouragement. Many veterans find strength in knowing that they are not alone in their struggle. Organizations such as the Wounded Warrior Project and Team Red, White & Blue also offer opportunities for building community, so that veterans can make contact with others who share similar experiences.Secure stable housing: the basis for healingFor veterans who switch to civilian life, securing stable homes is a critical first step in building a healthy, lively future. Stable housing provides the basis that veterans need to concentrate on their mental and physical well -being, to pursue employment and to rebuild relationships. Unfortunately, many veterans face challenges in finding affordable homes, in particular those who struggle with untreated trauma or have limited resources. Access to programs for residential assistance via the VA, local community organizations and non -profit organizations can help veterans to secure a safe and stable living environment..u4eee447ed4878d35f29b1d43152469b6 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4eee447ed4878d35f29b1d43152469b6:active, .u4eee447ed4878d35f29b1d43152469b6:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4eee447ed4878d35f29b1d43152469b6 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4eee447ed4878d35f29b1d43152469b6 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4eee447ed4878d35f29b1d43152469b6 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u4eee447ed4878d35f29b1d43152469b6:hover .postTitle { text-decoration: underline!important; } See alsoNavigating the Golden Years: Steps to Aging GracefullyIn addition to finding permanent accommodation, self -storage can be a valuable source for veterans During their transition. Many veterans may have collected assets during their service or need time to reduce while they settle in new houses. Self -storage units can offer a temporary solution for the safe storage of assets, while veterans focus on their lives on track. By using self -solution, veterans can clean up their living space, create a feeling of organization and relieve the stress of dealing with an overwhelming amount of personal items. This added low convenience can be a less obstacle in their way to healing and stability.Building healthy habits for a lively lifeIn addition to searching for support, veterans can take steps to give priority to their physical and mental health. Building a healthy, lively life after service includes the development of habits that promote overall well -being. Exercise, food, sleep and mindfulness are all important components of a healthy lifestyle and can help alleviate the effects of trauma.Physical activity:Regular physical activity is one of the most effective ways to combat stress and improve mental health. Exercise stimulates the release of endorphins, which are natural mood boosters and can help reduce the symptoms of depression and anxiety. For veterans, performing physical activities such as walking, running, cycling or yoga can be particularly beneficial in reducing stress and promoting an emotional balance. Many organizations offer veteran-specific fitness programs that encourage companionship and teamwork and at the same time support physical health.Power supply:The food we eat play an important role in our mental and emotional well -being. A well -balanced diet with entire foods such as fruit, vegetables, low -fat proteins and full grains can help regulate mood and energy levels. Veterans who struggle with depression or anxiety can take advantage of working with a nutritionist to develop a meal plan that supports the health of the brain and emotional regulation. Avoiding substances such as alcohol and caffeine, which can worsen fear and sleep disorders, is also important for maintaining stability..u4b2ff12330c126c8034d8946063490a3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4b2ff12330c126c8034d8946063490a3:active, .u4b2ff12330c126c8034d8946063490a3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4b2ff12330c126c8034d8946063490a3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4b2ff12330c126c8034d8946063490a3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4b2ff12330c126c8034d8946063490a3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u4b2ff12330c126c8034d8946063490a3:hover .postTitle { text-decoration: underline!important; } See also7 Tips on Starting (and Keeping!) a Healthy HabitSleep:Sleep disorders are common among veterans with untreated trauma. PTSD and anxiety can disturb the ability to fall asleep or stay asleep, leading to fatigue and irritability. Creating a consistent sleep routine, minimizing the screen time before bedtime and setting up a calming pre-sleeping ritual can improve sleep quality. Some veterans believe that mindfulness meditation or relaxation techniques help them close and achieve a relaxing night’s sleep.Mindfulness and therapy:Mindfulness practices, such as meditation, deep breathing and journaling, can be incredibly useful for veterans who work through post-service trauma. These techniques help individuals remain present at the moment, reducing the impact of intrusive memories or overwhelming emotions. Mindfulness can also promote emotional regulations, allowing veterans to react to stress in healthy ways. In addition, therapy, in particular cognitive behavioral therapy (CBT) and trauma -oriented therapies, veterans can offer the tools to process their experiences, reformulate negative thinking patterns and develop coping strategies for managing trauma.The road to recovery: embracing the journeyHealing of post-service trauma is not a linear process and it can take time before veterans completely regain their feeling of self and goal. With the right support system, however, veterans can reclaim their lives and build a future full of hope, joy and resilience. It is important to remember that healing is not about forgetting the past, but rather learning to live completely. By recognizing trauma, looking for support and adopting healthy habits, veterans can experience personal growth and thrive in civilian life.Veterans have already demonstrated enormous strength and courage through their service. With the right tools and resources, they can continue to build on that power if they navigate through the challenges of life after the service. By tackling untreated trauma and prioritizing their well -being, veterans can find peace and goal and create a satisfactory life beyond the battlefield.

La Liga president Javier Tebas slams Real Madrid for 'lacking elegance'
Sports 2025-12-16 14:11:00

La Liga president Javier Tebas slams Real Madrid for 'lacking elegance'

The president of La Liga has accused Real Madrid of showing a 'lack of elegance' following the club's dramatic boycott of Monday night's Ballon d'Or awards.European champions Madrid had initially planned to send a delegation of 50 people to Paris, where they were expecting to see Vinicius Junior be crowned as the best male player in world football. The president of La Liga has accused Real Madrid of showing a 'lack of elegance' following the club's dramatic boycott of Monday night's Ballon d'Or awards. European champions Madrid had initially planned to send a delegation of 50 people to Paris, where they were expecting to see Vinicius Junior be crowned as the best male player in world football. Madrid right back Dani Carvajal - who won last season's Champions League with his club and then Euro 2024 with Spain in the summer - was also expected to rank high in the vote organised by France Football. However, shortly before their chartered plane had been due to leave Spain, it was leaked that Manchester City midfielder Rodri was going to beat Vinicius and Carvajal to the top prize. Madrid president Florentino Perez reacted by calling the trip off before the club issued a strong statement. The statement declared: 'If the award criteria doesn't give it to Vinicius as the winner, those same criteria should point to Carvajal as the winner. 'As this was not the case, it is clear that Ballon d'Or-UEFA does not respect Real Madrid. And Real Madrid does not go where it is not respected.' Tebas reacted on Tuesday by telling French newspaper L'Equipe: 'I'm a Madrid fan. The important values of this club are to be a gentleman and to shake hands when you lose. 'I think Real Madrid lost that mentality a long time ago. They should have gone to the ceremony and not questioned the France Football system, which is transparent, with 100 journalists voting. 'Real Madrid's victimhood doesn't have to be and it is exaggerated. I don't know where they're going. We also experience this lack of elegance in Spain.' The leaked info that caused Madrid to boycott Monday's ceremony proved correct. Rodri was indeed announced as the winner of the 2024 men's Ballon d'Or award. Vinicius finished second in the vote, ahead of Madrid team-mates Jude Bellingham and Carvajal in third and fourth respectively. City striker Erling Haaland came fifth. Rodri played 34 Premier League games last season to help City win a fourth straight title. The defensive midfielder then played a starring role in Spain's Euro 2024 triumph in Germany over the summer. Vinicius won La Liga and the Champions League with Madrid last season. The Brazilian, 24, provided six goals and four assists in 10 Champions League games, as well as a further 20 goal involvements in 26 La Liga matches.

6 expert tips to lift your Valentine’s Day gifts to the next level
Health 2025-12-27 05:49:38

6 expert tips to lift your Valentine’s Day gifts to the next level

Contents1. Perfume: Make an adapted scent2. Spa Day: Organize a Spa treatment at home3. Dinner for two: Cook at home4. Flowers: Place them in the fridge to expand freshness5. Chocolates: Combine them with wine6. Jewelry: Personalize itGive the gift of loveYour partner deserves to feel loved and cared for, especially this Valentine’s Day. Although a box of chocolates and some roses are always appreciated, it pays to go above and outside. Here are expert tips and creative ideas to elevate your game game.1. Perfume: Make an adapted scentAn adapted perfume is a unique Valentine’s Day gift for your partner who already has everything. It is a tailor -made mix that is tailored to their style, which shows that your thought and trouble put into their gift. Before you visit a scent shop, you know the preferences and antipathies of your partner. Some scents Can activate migraine And allergic reactions in some people.According to Walter Johnsen, vice -president of product development and perfumer for gambling, perfumes are an expansion of the personality of a personSo it’s important to know what they like.“You have to take into account that people use scent to express their personality and to have self -confident in their skin and that the connection that connects a person with a scent is completely subjective. And don’t forget that you buy perfume for someone else, not for yourself – just because you like something, does not mean that they will do that too, “he says..u1d929b9995ff1eef696fa689dc3cbf04 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u1d929b9995ff1eef696fa689dc3cbf04:active, .u1d929b9995ff1eef696fa689dc3cbf04:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u1d929b9995ff1eef696fa689dc3cbf04 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u1d929b9995ff1eef696fa689dc3cbf04 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u1d929b9995ff1eef696fa689dc3cbf04 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u1d929b9995ff1eef696fa689dc3cbf04:hover .postTitle { text-decoration: underline!important; } See alsoPractical ways to support your child's emotional well-being2. Spa Day: Organize a Spa treatment at homeLife can be hectic, and sometimes the only thing you and your partner need is to relax and rejuvenate. Although a luxury spa sounds great, you can make it more intimate by putting it at home. Prepare a spa gift, basket, personalized robe and bath bombs and rent massage professionals while you relax together.According to Jade Shutes, director of Education for the School for Aromatic Studies, passing on of essential oils can help relieve stressAnxiety, tension and pain. Collect your favorite oil diffusers and candles and set up fairy tales for a cozy atmosphere. You can also add soothing background music for a more soothing session.3. Dinner for two: Cook at homeSkip the stress of making a dinner reservation this Valentine’s Day. Whether you hate busy restaurants or want to show cooking skills, a romantic dinner at home is always a good idea. Create your partner’s favorite dish or make a meal from a special memory.You don’t have to be chef to impress your partner. You can start with a classic dish, such as fresh pasta. Chef Michael Tusk, owner of Quince Restaurant, says you Only simple ingredients needed To make different dishes.“You only need flour and eggs, and you can go in so many different directions, whether it is a stuffed pasta, a ribbon or another form, baked, with butter or another sauce, from this region or that . It is an everyday staple, but there is the alphabet of pasta dishes to learn, “he shares.4. Flowers: Place them in the fridge to expand freshnessA simple bouquet is a powerful gesture of love and thoughtfulness. However, flowers have a short lifespan. As much as you want them to stay fresh for a long time, they need the right care. Fortunately, you can ensure that your loved one will enjoy fresh flowers longer..u5a45ecb2648b31b0fb50c2e5ab7c760b { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u5a45ecb2648b31b0fb50c2e5ab7c760b:active, .u5a45ecb2648b31b0fb50c2e5ab7c760b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u5a45ecb2648b31b0fb50c2e5ab7c760b { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u5a45ecb2648b31b0fb50c2e5ab7c760b .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u5a45ecb2648b31b0fb50c2e5ab7c760b .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u5a45ecb2648b31b0fb50c2e5ab7c760b:hover .postTitle { text-decoration: underline!important; } See alsoEssential lingerie tips for confident womenExperts say that cooling flowers can help Avoid mold and fungal growth Due to excess moisture, keeping them fresh. This is especially useful if your partner will not be at home for a few hours and you want to keep the color and shape of your flowers.5. Chocolates: Combine them with wineWhen searching for the best chocolates to give your loved ones, to buy a wine that fits well together. It is one step further from just a box of chocolates, which shows your willingness to go one step further. Sommelier Renee Sferrazza shared those spicy and sweet chocolates Combine well with sweet Wines. Options with low tannins, such as Pinot Noir, and high fruit nuts also make a great match.6. Jewelry: Personalize itYour partner deserves to feel special, and tailor -made jewelry can convey that feeling. Give a delicate necklace with their birth month of flowers, a classic type plate bracelet or a ring with their birthstone. According to researchers from the University of Bath, personalized gifts Promoted emotional connections promote And courageous sustainability, because recipients take care of them earlier.Give the gift of loveWith a little creativity and expert guidance you can convert a simple gift into an unforgettable expression of your love. So start shopping for your gifts and turn this Valentine’s Day a memorable occasion.

Tips for a balanced holiday
Health 2025-12-22 16:50:02

Tips for a balanced holiday

Contents1. Stay active on board2. Make smart food choices3. Hydrate and limit alcohol4. Prioritize sleep and relaxation5. Plan active excursions6. Practice good hygiene7. Enjoy Mate and Listen to your bodyCruises are a fantastic way to relax, explore new destinations and enjoy luxury facilities. With unlimited buffets, exotic cocktails and relaxed days at the swimming pool, it is easy to fall into unhealthy habits. If you want to get the most out of your journey while retaining your well -being, there are some essential tips for staying healthy during a cruise.1. Stay active on boardMost modern cruise ships offer numerous fitness options, from ultramodern gyms to current tracks and group exercises. Make it a habit to start your day with a workout or take the stairs instead of the elevator to keep moving. A lot of All-Inclusive Cruises Also offer activities such as rock climbing, dance lessons and yoga, making it easy to stay fit while you have fun. Moreover, recording on board games and sports, such as basketball, mini golf or even dance-offs, can keep you active in a pleasant way.2. Make smart food choicesThere are plenty of cruise eetings, but that does not mean that you have to enjoy too much with every meal. Choose fresh fruit, low -fat proteins and salads at the buffet and be portion sizes in mind. Many cruises are aimed at healthy eaters with vegetarian, gluten-free and calorie-rich menu options your server only for recommendations! If you are worried about vomiting vomiting, consider ordering à la carte instead of visiting the buffet, making it easier to arrange portion sizes. Also try to balance the longer meals during the day with lighter options..uc5cdd80ce2f0bf24655b83053d7a9068 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uc5cdd80ce2f0bf24655b83053d7a9068:active, .uc5cdd80ce2f0bf24655b83053d7a9068:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uc5cdd80ce2f0bf24655b83053d7a9068 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uc5cdd80ce2f0bf24655b83053d7a9068 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uc5cdd80ce2f0bf24655b83053d7a9068 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uc5cdd80ce2f0bf24655b83053d7a9068:hover .postTitle { text-decoration: underline!important; } See alsoAvoid Shave Bumps With These 9 Tips3. Hydrate and limit alcoholDrying can be a concern for spending long hours in the sun or sipping tropical cocktails. Make sure you drink a lot of water all day. If you want to enjoy alcoholic beverages, try to alternate between drinks and a glass of water to stay hydrated and to prevent exaggerated. Many cruise companies also offer infused water stations with fruit and herbs, making it a refreshing way to keep your hydration levels up without added sugars or calories.4. Prioritize sleep and relaxationCruises are filled with entertainment and late-night activities, but don’t forget to get enough rest. Quality sleep is crucial for maintaining your energy levels and overall well -being. Find time to relax in the spa, meditate on your balcony or enjoy calm moments on the ocean to charge. If you are someone who is struggling with getting quality sleep while traveling, consider taking an eye mask, earplug or a white sound app to create a more relaxed sleeping environment.5. Plan active excursionsShore excursions are a great way to explore new destinations while staying active. Instead of opting for bus tours, you choose activities such as walking, snorkeling or cycling. Whether you are on your way to a tropical outing or looking ahead 2026 Cruise -DealsConsider selecting routes that offer adventurous excursions to keep you moving. Walking tours are another great way to experience a city while you get your steps in it – plus, they often provide more cultural immersion than traditional bus tours.6. Practice good hygieneWith many people in close by, it is essential to follow good hygiene practices. Wash your hands regularly, use hand disinfecting agent and pay attention for shared spaces to prevent you from getting sick during your journey. Many cruise companies offer hand purification stations throughout the ship – use it before meals and after using shared facilities. In addition, consider bringing disinfecting wipes to clean surfaces in your cabin for extra precautions..uefec80f56975c9d171959634a44b7d51 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uefec80f56975c9d171959634a44b7d51:active, .uefec80f56975c9d171959634a44b7d51:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uefec80f56975c9d171959634a44b7d51 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uefec80f56975c9d171959634a44b7d51 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uefec80f56975c9d171959634a44b7d51 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uefec80f56975c9d171959634a44b7d51:hover .postTitle { text-decoration: underline!important; } See alsoIstanbul Things to Do - 10 Tips for Your Trip7. Enjoy Mate and Listen to your bodyHolidays are meant to enjoy, and there is nothing wrong with great food and nice drinks. The key is balance – enjoying the extent and listen to the signals of your body. If you feel slow, choose a lighter meal or take a short walk on the deck to breathe new life. If you feel stressed, take the time to practice mindfulness or enjoy a sunset yoga session.By following these simple strategies, you can enjoy a fantastic cruise experience without endangering your health. After all, the key to a great holiday is balance – the pleasure of pleasure while taking care of yourself on the way!

How to help children deal
Health 2025-12-26 07:06:31

How to help children deal

ContentsUnderstand back-to-school fearPractical strategies for parentsSet up a back-to-school routineOpen communication linesValidate their feelingsPractice role -lens scenariosWork together with teachers and school staff If necessary, seek professional helpBuild emotional resilience in childrenHelp children navigate social challengesEncourage independence and problem solvingGo on of fearThe start of a new school year can be exciting, but for many children it is also a source of fear. From navigating new classes to making new friends, the back-to-school season is full of changes that can feel overwhelming. As a parent, your support is the key to helping your child to manage these feelings and start the school year on the right foot. Here we will explore practical strategies to help parents relieve the back-to-school fear of their child, from creating routines to looking for professional help when needed.Understand back-to-school fearBack-to-school anxiety is a common experience for children of all ages. It often stems from the fear of the unknown, whether it is a new school, meeting unknown teachers or tackling challenging topics. Other triggers are academic pressure, social care or even separation anxiety for younger children.Signs of fear can vary, but can be:Physical symptoms such as headache, abdominal pain or fatigue.Emotional signs such as irritability, withdrawal or thoroughness.Behavioral changes, including sleeping difficulties or loss of appetite.According to the National Institute of Mental HealthAnxiety disorders affect nearly 32% of Americans at a certain point. Although not all back-to-school fear achieves this level, it is essential to understand these feelings early and to treat these feelings..u971f2308159de86e40d5a1901696ff38 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u971f2308159de86e40d5a1901696ff38:active, .u971f2308159de86e40d5a1901696ff38:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u971f2308159de86e40d5a1901696ff38 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u971f2308159de86e40d5a1901696ff38 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u971f2308159de86e40d5a1901696ff38 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u971f2308159de86e40d5a1901696ff38:hover .postTitle { text-decoration: underline!important; } See alsoI Know How It Feels to Have to Tell Your Three Small Children, “Mommy Has Cancer”Practical strategies for parentsSet up a back-to-school routineTransition of the relaxed pace of the summer to the structured school year can be discouraging. The change of pace can feel shocking for children. Creating a consistent routine helps them to feel more under control. Start by:Prepare a regular bedtime and wake-up schedule a week before the school starts.Organize school supplies and choose clothing the night before.Setting up a predictable morning routine to reduce last-minute stress.Open communication linesEncourage your child to talk about their feelings. To ask open Such as: “What are you most excited or nervous about?” Or “What can I do to help you feel more prepared?” Active listening and empathetic reactions help children heard and supported. Talking about the coming school year to children well before the start of the academic year, she can prepare for the start of the school. This can reduce anxiety back-to-school.Validate their feelingsReassure your child that feeling nervous is normal and that many students feel the same. Share your own experiences with fear and how you have managed it and show them that these feelings are temporary and manageable.Practice role -lens scenariosHelp your child build trust by practicing situations that they can encounter. For example, role play that introduces himself to a new classmate or ask a teacher for help. These rehearsals can reduce anxiety and make interactions easier in practice. This is especially useful if the child switches to a new school or to another part that is not known.Work together with teachers and school staffBuilding a strong relationship with your child’s teachers and school staff is crucial. Share the concerns of your child and ask for available sources of support. Schools have often passed on counselors by Online school advice programs that valuable help can offer. They are well equipped to understand what the child is going through. They can also often draw on the experience of treating other children with similar struggles..u45d4c81d5be02d7298623bd31be226b4 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u45d4c81d5be02d7298623bd31be226b4:active, .u45d4c81d5be02d7298623bd31be226b4:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u45d4c81d5be02d7298623bd31be226b4 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u45d4c81d5be02d7298623bd31be226b4 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u45d4c81d5be02d7298623bd31be226b4 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u45d4c81d5be02d7298623bd31be226b4:hover .postTitle { text-decoration: underline!important; } See alsoHow do you choose the best home care services recruitment agency for your needs?If necessary, seek professional helpIf your child’s fear persists or intensifies, it may be time to seek professional support. Start by consulting your local doctor, who can refer you to a child psychologist or therapist who specializes in fear. Early intervention can make a considerable difference.Build emotional resilience in childrenHelping your child to develop emotional resilience rests them to tackle challenges more effectively. Here is how:Learn mindfulness:Introduce relaxation techniques such as deep breathing, meditation or yoga to help your child control stress. This have been demonstrated To help master fear.Encourage self -expression:Activities such as journaling, drawing or playing music enable children to process their emotions in healthy ways.Four small victories:Recognize the efforts and performance of your child, no matter how small. This increases their self -confidence and promotes a positive view.Help children navigate social challengesSocializing can be an important source of fear, especially for children who are shy or new to the school. You can help by:Encourage your child to become a member of clubs or extracurricular activities where they can meet peers with similar interests. This is an easy way for them to make like -minded friends in the new environment.Arrange play dates of meetups with classmates before the school starts.They learn strategies for dealing with bullying or exclusion, such as the search for help from a trusted adult.Encourage independence and problem solvingAs your child grows, promoting independence is the key to building their self -confidence. Applied tasks such as packing their own lunch, organizing their backpack or setting academic goals can help them feel empowered..uc447f81d73c2b7ec056e092609ee3b49 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uc447f81d73c2b7ec056e092609ee3b49:active, .uc447f81d73c2b7ec056e092609ee3b49:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uc447f81d73c2b7ec056e092609ee3b49 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uc447f81d73c2b7ec056e092609ee3b49 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uc447f81d73c2b7ec056e092609ee3b49 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uc447f81d73c2b7ec056e092609ee3b49:hover .postTitle { text-decoration: underline!important; } See alsoChildren need a “good enough” parentCourage problem solving by asking: “What do you think you can do about this situation?” This not only helps them to develop critical thinking skills, but also reassures them that they have the tools to take on challenges.Go on of fearBack-to-school fear is a natural reaction to change, but with the right support, children can overcome and thrive their fears. By setting up routines, promoting open communication and looking for professional help when needed, parents can relieve the transition and set up their children for a successful school year.Remember that every child adapts at his own pace. The key is to remain patient, supportive and proactive in tackling their needs.

What’s the difference between a personal loan and a home equity loan—and which is best for you?
Personal Finance 2026-01-03 03:50:34

What’s the difference between a personal loan and a home equity loan—and which is best for you?

If you’re in need of a considerable chunk of money for purposes such as debt consolidation, emergency expenses, or home renovations, you’ve likely been busy researching the best type of loan for your situation. Two popular options are personal loans and home equity loans. Both give you cash upfront with flexible repayment terms. But they vary in several important ways. Let’s look at the differences between a personal loan and a home equity loan—and help you to decide which suits your financial goals. What is a personal loan? A personal loan is an installment loan that gives you a chunk of money upfront. You can open a personal loan with many banks, credit unions, and online lenders and use the money for (nearly) any purpose. If it’s a legal transaction, there are very few guardrails for how you can use your funds. When you open a personal loan, you’ll automatically be given a repayment plan of equal monthly installments until the loan is paid off. Interest is baked into each payment. The size of your monthly installment will depend on the amount you’ve borrowed, the length of your repayment term, and your unique interest rate. Most personal loans are “unsecured,” meaning you don’t need to provide collateral to be approved. The lender will instead examine details like your credit score, debt-to-income ratio, etc. to decide if you’re creditworthy. Pros and cons of a personal loan N/AProsNo collateral requirementUse your funds for just about anythingLoan doesn’t count against your credit utilizationConsOccasional ancillary feesRepayment terms not as generous as some other loan types (such as home equity loans)Often capped at $100,000 borrowing limitWhat is a home equity loan?A home equity loan (also referred to as a second mortgage) is similar to a personal loan in a few ways. You’ll receive a lump sum upon opening an account and you’ll be automatically enrolled in equal monthly installments (which include interest) until you’ve repaid the loan. However, opening this loan type is more involved than a simple personal loan. First, you must be a home owner who has built equity in your property. Equity is simply the value of your home minus the amount of your mortgage. For example, if your home is worth $300,000 and you still owe $125,000 on your mortgage, you’ve got $175,000 in equity. Many lenders stipulate that you can borrow up to 80% of your home’s equity (with perhaps some rare exceptions). This means that you must keep at least 20% of your home equity invested in your property. In other words, you can’t borrow equity unless you’ve built more than 20% equity, in most cases. With the aforementioned $300,000 property, you’d need to maintain at least $60,000 in the home. That means you could borrow $115,000 from your current $175,000 in equity. Opening a home equity loan is a process. In most cases, you’ll need to initiate a home appraisal, present documents to be reviewed, wait for underwriting and approval, and eventually sign closing documents. It’s similar to taking out a mortgage. Pros and cons of a home equity loanN/AProsInterest rates are generally lower than many other types of loansPotentially borrow more than you could with a personal loanLengthy repayment termsConsYour home is used as collateralThe approval process is comparatively lengthyMinimum equity requirementPersonal loan vs. home equity loan: Side-by-side comparisonPersonal loanHome equity loanRequired collateralNoneHomePotential loan amountUp to $100,000Up to 80% (sometimes 85%) of home valueRepayment termsUp to 12 yearsUp to 30 yearsFeesOccasional origination fees, application fees, prepayment fees, late feesOrigination fees, appraisal fees, credit report fees, title search and insurance fees, document preparation fees, notary fees, loan recording feesCredit score580+620+FundingAs quickly as the same dayTypically 2 weeks to 2 monthsRequired collateralPersonal loanNoneHome equity loanHomePotential loan amountPersonal loanUp to $100,000Home equity loanUp to 80% (sometimes 85%) of home valueRepayment termsPersonal loanUp to 12 yearsHome equity loanUp to 30 yearsFeesPersonal loanOccasional origination fees, application fees, prepayment fees, late feesHome equity loanOrigination fees, appraisal fees, credit report fees, title search and insurance fees, document preparation fees, notary fees, loan recording feesCredit scorePersonal loan580+Home equity loan620+FundingPersonal loanAs quickly as the same dayHome equity loanTypically 2 weeks to 2 monthsHow to decide between a personal loan and a home equity loan Again, personal loans and home equity loans are two of the most effective ways to finance a large purchase, consolidate debt, etc. But which is right for you? Ask yourself the following questions to quickly decide. Are you willing to put up collateral? Perhaps the biggest differentiator between a personal loan and a home equity loan is the risk involved. Of course, you don’t want to default on any loan—but the stakes are higher with a home equity loan, as the lender can ultimately foreclose on your home. How quickly do you need the funds? If you’ve got an emergency expense for which you need cash quickly, a personal loan may be your only option. Several lenders boast the ability to transfer funds to your account within a day or two of account approval. Meanwhile, home equity loans often take weeks to deposit due to the lengthy process involved—from home appraisal to underwriting to closing documents. How much money do you need? Most personal loans are capped at $100,000. If you need more than that, you may find a home equity loan more accommodating, as you can borrow equity equivalent to 80%-85% of your home’s value. Depending on the value of your home, and the amount of equity, you may be able to borrow hundreds of thousands of dollars. That said, if you’ve built little equity in your home, a personal loan may provide a higher borrowing limit. How quickly can you pay back the money? Your repayment term is more than simply a time frame for paying back a loan; it dictates the size of your monthly installments. For example, if you borrow $30,000 with a 10% APR, you’ll pay around: $968 per month with a 3-year term $637 per month with a 5-year term $290 per month with a 20-year term While most lenders offer a maximum term length of 84 months, home equity loan terms can be up to 30 years. The answer as to which type of loan is best for you may depend on the amount of money you can pay each month. It’s worth noting that the longer you take to pay off a loan, the more interest you’ll pay. But just because you’ve got a 20+ year term doesn’t mean you can’t pay off your loan early (and avoid considerable interest). How much interest are you willing to pay? All else being equal, home equity loans tend to come with lower APR. If after answering all the above questions you’re still undecided, go with the loan that offers the more reasonable interest rates. Other ways to finance a purchase There are more ways than a personal loan and a home equity loan to finance a purchase. Here are a few other popular options: Credit card:Great for everyday purchases, credit cards are a poor choice for financing a large expense for which you can’t soon pay off. That’s because their interest rates are often considerably higher. Still, some cards offer 0% intro APR for a year or two—which can potentially save you even more money than a personal loan. Home Equity Line of Credit (HELOC):A cross between a credit card and a home equity loan, a HELOC allows you to open a revolving line of credit by drawing on your home equity. Buy Now Pay Later (BNPL) options:If your purchase is manageable enough to be paid off within a few months, a BNPL service may be a good option. These split your purchase over several interest-free payments. Borrow from a friend or family member:Borrowing from friends and family instead of taking out an interest-incurring loan can be a huge money-saver. Frequently asked questionsWhat is the main difference between a personal loan and a home equity loan?The main difference between a personal loan and a home equity loan is that a personal loan is unsecured and a home equity loan requires that you use your home as collateral. If you default on your home equity loan, you could lose your house.Which has lower interest rates: personal loans or home equity loans? Home equity loans (and most secured loans, for that matter) tend to have lower interest rates than personal loans.What credit score do you need for a personal loan vs a home equity loan?To qualify for a personal loan, you’ll generally need to have a credit score of at least “fair” (580+), while most home equity loans require a score of 620+. Just note that a low credit score can adversely affect your interest rates, borrowing amount, and even term length. If you can, it’s better to wait and open your loan when you’ve got a credit score in the 670+ range.Are there tax benefits to home equity loans vs personal loans?There are tax benefits to home equity loans depending on how you use them (home improvement, for example). Personal loans are not tax deductible. Do personal loans or home equity loans have better repayment terms?Home equity loans have potentially longer repayment terms, giving you more flexibility in the size of your monthly installments. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Milan not out of title race according to head coach Fonseca
Sports 2025-12-31 15:58:26

Milan not out of title race according to head coach Fonseca

AC Milan manager Paulo Fonseca was unwilling to rule his team out of title contention following their 2-0 home defeat to Serie A leaders Napoli, who now lead them by 11 points, on Tuesday.While Milan have a game in hand over their victors, it's a considerable gap to bridge even having played just nine matches so far this season. AC Milan manager Paulo Fonseca was unwilling to rule his team out of title contention following their 2-0 home defeat to Serie A leaders Napoli, who now lead them by 11 points, on Tuesday. While Milan have a game in hand over their victors, it's a considerable gap to bridge even having played just nine matches so far this season. That is especially true when they have already lost three times, but Fonseca was not going to give up on the dream after being asked if it was still the objective after the match. "I can't say the opposite, especially seeing how we played. How the team responded to a difficult moment and how it showed unity even without important players," Fonseca told DAZN. Milan had to cope without key players including Theo Hermandez and Tijjani Reijnders against Napoli and their manager thinks they they will improve, "No team has won the league after nine games and none has lost it after nine games," he said. "For this reason, we must continue on the path of growth. Clearly we will need results to enter this fight." Fonseca accepted the blame for the defeat to Napoli, but did say that he was happy with how his team responded after Romelu Lukaku put the visitors in front after just five minutes. "I'm always responsible for what happens on the pitch and once again I take this responsibility," he said. "It's not easy to start the game with a Napoli goal after five minutes, but if we look at the result, they scored two goals and we created the chances. "The team had a good reaction at the beginning of the game, we played positive football with quality. "It's not easy against a Napoli team that... defends in front of its penalty area."

Best time to take Delta 8 THC Gummies for maximum cold
Health 2026-01-01 15:19:26

Best time to take Delta 8 THC Gummies for maximum cold

ContentsWhat exactly are Delta 8 THC Gummies?Factors that influence the best time to consume foodWhen is the best time to take Delta 8 THC Gummies?1. In the evening relaxation2. Weekend vibes3. Routine before bedtimeTips for safe and pleasant consumptionIf you have ever thought about trying food, you have probably heard about the Delta 8 THC Gummies -Hype, and if you didn’t do that, where have you been? These gummies are the go-to for a chill sphere without the overwhelming intensity of other cannabis products.But the big question is: when is the perfect time to pop one of these tasty treats? Whether you are looking to relax after a long day or improve your weekend cooling, we have covered you with all the details about the best time to consume you Budpop’s Delta 8 Gummies.What exactly are Delta 8 THC Gummies?Before we go into the timing, let’s quickly talk about what Delta 8 THC Gummies makes so unique. If you have heard of Delta 9 THC (the usual culprit behind getting “high”), Delta 8 THC is as its calmer, more soft cousin. Think of it as the chill atmosphere at the party so that you feel exactly right without putting things on too much.These gummies are steeped in with Delta 8 THC, which can give you a smooth, less intensely high high compared to other cannabis products. You feel relaxed without the bank-lock effect that can sometimes be delivered with other food. They come in fun flavors, so you eat candy with some good vibes attached..ue581373be30b2750a49122ae03daf0bd { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ue581373be30b2750a49122ae03daf0bd:active, .ue581373be30b2750a49122ae03daf0bd:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ue581373be30b2750a49122ae03daf0bd { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ue581373be30b2750a49122ae03daf0bd .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ue581373be30b2750a49122ae03daf0bd .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ue581373be30b2750a49122ae03daf0bd:hover .postTitle { text-decoration: underline!important; } See alsoReady to layer with love? Here's how to combine beachwear with winter wear for a unique wellness styleFactors that influence the best time to consume foodOkay, so you are sold on Delta 8 THC Gummies – but when is the best time to consume them? Well, much of it depends on a few factors:Metabolism and digestion:Your metabolism dramatically influences how quickly those wonderful gummies come into effect. If you have a fast metabolism, it may take a little longer to feel the effects. On the other hand, if you are more a slow burner (no judgment!), You may feel those effects earlier. Anyway, it is important to remember that food is the time to come into effect, so don’t you expect you to feel it in 5 minutes, okay? (Trust us, we are all thought: “Where is the High?”)Tolerance levels:If you are new in food, start small! It is always better to take a small bite and wait to see how you feel then everything go in and then regret it. If you have enjoyed Delta 8 THC Gummies for a while, you have a better idea of ​​which dosage works best for you. But regardless of your tolerance, it is good to pay attention to your body and to go with what feels good.Daily schedule and activities:Whether you work from home or hang around with friends, timing your gummy consumption around your activities can make a difference. You don’t want to feel super chill just before a big meeting, and you probably don’t want a food just before you go to the gym.When is the best time to take Delta 8 THC Gummies?Now let’s go to the good things – the timing! Although there is no one-size-fits-all answer, there are some ideal times here when you get the most from the delta of your Dopeboo 8 THC Gummies..ucf63f935ab2586f0c632c9295d20f2c4 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ucf63f935ab2586f0c632c9295d20f2c4:active, .ucf63f935ab2586f0c632c9295d20f2c4:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ucf63f935ab2586f0c632c9295d20f2c4 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ucf63f935ab2586f0c632c9295d20f2c4 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ucf63f935ab2586f0c632c9295d20f2c4 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ucf63f935ab2586f0c632c9295d20f2c4:hover .postTitle { text-decoration: underline!important; } See alsoThis less well -known Caribbean destination breaks all tourist records of all time1. In the evening relaxationAfter a long day of work, school or any pressure you have gone through, there is nothing better than kicking back and relaxing. If you are looking for that sweet place where you can relax but can still be productive (aka does not sleep on the couch for 10 minutes), the popping of a Delta 8 THC Gummy around dinner can be your best bet.The effects will start when you end and you are in a complete relaxation mode when you are ready to relax for the night. Moreover, it combines beautifully with a Netflix -Binge.2. Weekend vibesWeekends are for Vibing. Whether it is with friends or a solo film marathon, Delta 8 THC Gummies can add that extra cold to your weekend plans. Try to take one in the afternoon before you start in the weekend mode.By the time you are ready to close in the evening, you are in the zone. Think of it as the perfect pre-game of a withheld weekend adventure (and by adventure we mean Couch Adventures).3. Routine before bedtimeAre you struggling to sleep after a long day? Sometimes your mind will simply not be eliminated, but that is where Delta 8 THC Gummies come in. If you are looking for a quiet, relaxing night, try to take a gummy about 30-45 minutes before bedtime.It will help your body relax and can even improve your sleeping experience without grogginess of other sleeping aids. Say goodbye to staring at the ceiling and wonders if you ever fall asleep!.u1a8c5e5c0576450da50094ddeb827be3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u1a8c5e5c0576450da50094ddeb827be3:active, .u1a8c5e5c0576450da50094ddeb827be3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u1a8c5e5c0576450da50094ddeb827be3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u1a8c5e5c0576450da50094ddeb827be3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u1a8c5e5c0576450da50094ddeb827be3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u1a8c5e5c0576450da50094ddeb827be3:hover .postTitle { text-decoration: underline!important; } See alsoMijn outdoor-wandelavonturen met Adidas TerrexTips for safe and pleasant consumptionWe know that you are here for the nice vibes, but keeping things safe is also essential! Here are some quick tips to ensure that your Delta 8 THC experience remains illuminated:Start low and go slowly:If you are new in food, start with a smaller dose. It can take 30 minutes to 2 hours to feel the full effects, so give it some time before you hit another Gomacht. You don’t want to be someone who accidentally eats too much and ends up in a blanket to watch Tiktok’s for hours.Stay hydrated:Drink a lot of water, people! Don’t forget to do this while enjoying your gummies. Staying hydrated, you generally help you feel better and keep the munchies at bay.Avoid mixing with alcohol:Mixing Delta 8 THC with alcohol is not the best idea – it can strengthen the effects and not always in a good way. You want to keep control of your atmosphere, so keep the drinks separated from the gummies.ConclusionSo when do you have to eat your Delta 8 THC Gummies? It depends on your atmosphere and your schedule. Whether you end up for the night, relaxing at the weekend, or just looking to improve your chill routine, these gummies are the perfect addition to your life. Don’t forget to start slowly, stay hydrated and let the good times roll.

It will be a 'MIRACLE' if Paul Pogba can return to the top level, Petit claims
Sports 2025-12-13 02:44:57

It will be a 'MIRACLE' if Paul Pogba can return to the top level, Petit claims

Former France World Cup winner Emmanuel Petit has said he is 'happy' for Paul Pogba after his doping ban was cut short - but claimed it will be a 'miracle' if he can return to the top level.Pogba was staring retirement in the eyes when he received a four-year ban from football, but the Court of Arbitration for Sport ruled earlier this month that he inadvertently took DHEA, a substance that boosts testosterone that is on WADA's banned list. Former France World Cup winner Emmanuel Petit has said he is 'happy' for Paul Pogba after his doping ban was cut short - but claimed it will be a 'miracle' if he can return to the top level. Pogba was staring retirement in the eyes when he received a four-year ban from football, but the Court of Arbitration for Sport ruled earlier this month that he inadvertently took DHEA, a substance that boosts testosterone that is on WADA's banned list. It is understood that CAS' ruling allows Pogba to recommence training in January 2025, with a view to playing again in March the same year. Fans are now waiting to see where the former Manchester United midfielder will be playing, with him understood to be in negotiations to leave Juventus - the club he is contracted to and last played for. And Petit, who is, like Pogba, a former World Cup winner with France, has exclusively told Mail Sport on behalf of BetBrain that he would be surprised if the 31-year-old's career continued at a top team. 'I'm very happy for him, very happy for him,' he began. 'But he's right now, 31 or 32, something like that, the last time he played a proper game was a year ago, in September. 'For me, it will be a miracle if he can come back at the highest level. He's got the quality as a footballer. Can he get the energy as a human being to fill the expectation? I'm not really convinced about that. 'What happened in his private life, has been an earthquake. I don't think a lot of people will have survived what he's been through, with his brothers, his friends. Can you imagine what happened to him? Now you can understand why he was not really good with Manchester United. Sometimes on the pitch, he was lost. But I can understand with what happened to him.' Pogba's brother and five other men will reportedly stand trial as part of an alleged extortion case that targeted the Frenchman two years ago. Pogba filed a complaint after he was kidnapped and robbed in March 2022 by two unidentified masked and armed men in Paris , who demanded €13m (£10.98m) for 'protection services'. After the original threat, the group were said to repeatedly intimidate Pogba and claim that he didn't support them after becoming an international star in order to get him to pay, as per Le Parisien. And, after two years of investigations, the Paris prosecutor's office confirmed that Mathias Pogba and the five men would stand trial. Petit added: 'If my brother betrayed me... I mean, football is important, but life is more important, and we're talking about life. 'I hope I'm wrong. Honestly, because I like him, I like his personality, and I like the player as well, but it will be a big miracle if he comes back at at the highest level. I wish him the best, honestly, but the damages of what happened have been terrible, honestly, terrible. 'I'm not sure that in England you you understand exactly what happened to Pogba over the last two, three years. It's a nonsense. I've never seen that before.' Petit also commented on France captain Kylian Mbappe, who has been at war with former side Paris Saint-Germain after leaving the club for Real Madrid in the summer for free. PSG are set to take their wage dispute with Mbappe to court after the French football league's governing body (LFP) ruled in favour of the forward. French media report the 25-year-old, who has not commented on the dispute, is seeking around 55 million euros (£46m) in salary and bonuses he says he is owed by the club. The Ligue 1 champions, however, say Mbappe's contract was 'legally amended' and that he reneged on commitments when he left the club to join Madrid. He has also been the subject of controversy in France in recent weeks having faced criticism in his home country for missing their Nations League games against Israel and Belgium while being available to play for Real Madrid. The forward picked up a muscle injury last month but made his return to the pitch prior to the international break. Though his team-mates have leapt to his defence, Petit has insisted that his reputation has been spiraling since he left for Spain. 'In space of one year, his image has been going down,' he said. 'A year ago, he was the main man here in France. Everybody loved him. But what happened with PSG, what happened in the national team as well, the fight, he was not there. 'His image has not been good at all in France for at least a year now, and it's going down, down, down every single week. 'He knows that he's under huge pressure at Real Madrid, the biggest club in the world. He knows the expectation over there. And this is likely the the priority of Mbappe. Mbappe actually is more focused on the Real Madrid than the national team. 'And I can understand that honestly, but he has to be very, very careful, because, in France, his image is not good at all.'

Current mortgage rates report for Nov. 10, 2025: Rates fluctuate slightly
Personal Finance 2026-01-04 21:21:07

Current mortgage rates report for Nov. 10, 2025: Rates fluctuate slightly

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.200%, according to data available from mortgage data company Optimal Blue. That’s down about 5 basis points from the prior day’s report, and up 1 basis point from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.200%One week ago6.190%One month ago6.294%30-year jumboCurrent rate6.508%One week ago6.450%One month ago6.475%30-year FHACurrent rate6.068%One week ago6.080%One month ago6.102%30-year VACurrent rate5.747%One week ago5.759%One month ago5.835%30-year USDACurrent rate6.106%One week ago6.128%One month ago6.051%15-year conventionalCurrent rate5.489%One week ago5.403%One month ago5.502%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 7, with the numbers reflecting home loans locked in as of Nov. 6. What’s happening with mortgage rates in the market?If it feels like 30-year mortgage rates have been stuck near 7% forever, that’s not far from the truth. Many observers were hoping that rates would soften when the Federal Reserve started cutting the federal funds rate in September 2024, but that didn’t happen. There was a brief dip preceding that meeting, but rates shot back up afterward.In fact, by January 2025 the average rate on a 30-year, fixed-rate mortgage topped 7% for the first time since last May, according to Freddie Mac data. That’s a far cry from the historic average low of 2.65% we saw in January 2021, when the government was still trying to stimulate the economy and stave off a pandemic-induced recession. Barring another massive catastrophe, experts agree we won’t see rates in the 2% to 3% range in our lifetimes. And right now, with President Donald Trump pursuing policies such as tariffs and deportations, some observers have feared the labor market could tighten and inflation could reignite. Against that backdrop, U.S. homebuyers have been stuck with high mortgage rates—though some found ways to make their purchase more affordable, such as negotiating rate buydowns with a builder when purchasing newly constructed housing.But, homebuyers (and homeowners considering refinancing) finally got some relief starting in late August and early September of 2025. Leading up to the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward in anticipation that the central bank would reduce the federal funds rate.The Fed did indeed deliver the expected cut, reducing its benchmark rate by a quarter percentage point—the first cut of 2025. Then, it made a second cut of the same amount at the end of October.With another meeting set for December, the potential remains for at least one more reduction in the federal funds rate during 2025.How to get the best mortgage rate possibleWhile economic conditions are out of your control, your financial profile as an applicant has a major impact on the mortgage rate you get. With that in mind, strive to do the following:Ensure your credit is in excellent shape.The minimum credit score to get a conventional mortgage is generally 620 (for FHA loans, you may be able to qualify with a score of 580 or a score as low as 500 and a 10% down payment). But, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score quite a bit higher. For example, lender Blue Water Mortgage notes that a score of 740 or higher is considered top tier. Keep your debt-to-income (DTI) ratio low.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. It’s typically best when applying for a mortgage to have a DTI of 36% or below, though you may get approved with a DTI as high as 43%.Get prequalified with multiple lenders.You may wish to try a mix of large banks, local credit unions, and online lenders and compare offers. Plus, getting connected with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will be best able to meet your needs. Just make sure when you’re comparing rates that you’re doing it in a way that’s apples to apples—if one estimate relies on you purchasing mortgage discount points and another does not, it’s important to realize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartRates feel high because practically everyone recalls the ultra-low rates that prevailed over the last 15 years or so. A unique set of historical circumstances drove that market: The long period when the Fed held its key rate at zero to recover from the Great Recession, followed by the unprecedented policies put in place as the country battled the global Covid-19 pandemic.Now that more normal economic conditions prevail, experts agree we’re unlikely to see such dramatically low interest rates again. Taking the long view, rates around 7% are not abnormally high. Consider this St. Louis Fed chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. In the 1990s, 7% rates were more or less the norm. Compared to rates in the 1970s and 80s, 7% rates look like a deal. In fact, September, October, and November of 1981 all saw mortgage interest rates above 18%.Historical context is scant comfort for homeowners who want to move but feel locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners put when they’d otherwise move have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe current state of the U.S. economy is the biggest factor impacting mortgage interest rates. If lenders fear inflation, they raise mortgage rates to protect their long-term profits. Another big-picture factor is the national debt. When the federal government runs large deficits and has to borrow to make up the difference, that can put upward pressure on interest rates.Demand for home loans plays a key role. If demand for loans is low, lenders may lower rates to attract more borrowers. On the other hand, high demand means lenders might decide to raise rates as a way of covering costs for handling a higher volume of loans.And of course, we must consider the Federal Reserve’s actions. The Fed can influence interest rates on financial products such as mortgages both through deciding to hike or cut the federal funds rate and through what actions it decides to take regarding its balance sheet.The federal funds rate gets significant media attention, as increases or decreases to this benchmark rate (which is the rate banks charge each other for borrowing money overnight) often coincide with increases or decreases to the interest rates for home loans and other forms of credit. That said, the Fed does not set rates for mortgages or other credit products directly, and such interest rates do not always track perfectly with the fed funds rate.Another way the Fed influences mortgage rates is via its balance sheet. In times of economic distress, the central bank buys financial assets and holds them on their balance sheet, injecting liquidity into the economy. Mortgage-backed securities (MBS) are a key type of asset for the Fed in such situations. However, the Fed has been slimming down its balance sheet, allowing assets to mature without buying new ones to replace those that have aged off it. That puts an upward pressure on mortgage interest rates. In other words, even though a lot of attention is focused on when the central bank decides to cut or hike the federal funds rate, what the Fed does with its balance sheet may be even more important for those hoping to snag a lower mortgage rate. Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with different lenders are both important steps in getting the best mortgage for your situation.If your credit is in stellar shape, opting for a conventional mortgage might be the best choice for you. But, if your score is sub-600, an FHA loan may give you a chance a conventional loan would not.When it comes to shopping around with different banks, credit unions, and online lenders, it can make a tangible difference in how much you pay. Freddie Mac research shows that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current price of gold as of November 7, 2025
Personal Finance 2025-12-16 21:08:30

Current price of gold as of November 7, 2025

The price of gold stood at $4,003 per ounce as of 9:15 a.m. Eastern Time on November 7, 2025. This marks a $5 decrease compared to the same time yesterday and more than a $1,319 jump from a year prior.Gold price per ounce% ChangePrice of gold yesterday$4,008+0.13%Price of gold 1 month ago$3,974-0.72%Price of gold 1 year ago$2,684-32.95%Price of gold yesterdayGold price per ounce$4,008% Change+0.13%Price of gold 1 month agoGold price per ounce$3,974% Change-0.72%Price of gold 1 year agoGold price per ounce$2,684% Change-32.95%For those seeking an investment that isn’t directly linked to inflation fluctuations, gold could be a suitable option. Historically, gold tends to appreciate over time. A gold IRA is one of the most popular ways to buy and hold gold, providing portfolio stability during turbulent markets. It’s also a practical solution for investors who prefer not to deal with the logistics of storing physical gold bullion.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t always a guaranteed winner. In robust economic periods, equities can outperform both in the short and long run. From 1971 through 2024, the stock market’s average annual return was 10.7%, while gold’s was 7.9% over the same span.Still, during periods of economic instability, gold is considered a safer, risk-averse asset. Many investors view it more as a store of value than as an investment like stocks or bonds.What does “spot gold” mean?The spot gold price refers to the immediate purchase or sale price of gold in an over-the-counter transaction. This metric helps investors gauge current demand and market trends. Put simply, a higher spot gold price signals stronger demand. Unlike futures contracts, the spot price is for instant delivery.If the future price exceeds the spot price, this is known as contango, common in commodities with significant storage costs. If the futures price is below the spot price, the market is in backwardation.Numerous factors can influence the spot price, causing it to fluctuate frequently. Prospective gold investors should be comfortable with this level of price volatility.What is price spread in gold trading?A price spread is the gap between the price at which an asset can be purchased and the price at which it can be sold.In gold trading, these are called the ask price (the cost to buy) and the bid price (the amount you’d receive selling). The bid price is always less than the ask price.A narrower spread indicates a more liquid market. When the spread is tight, it suggests rising demand for gold.How to invest in goldIf your mind jumps to Scrooge McDuck diving into gold coins when you think of gold investment, that’s only partly accurate. While buying physical gold bars, coins, or jewelry is possible, gold is frequently traded via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, notes, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Common gold investment options include:Gold bars:Known as bullion, these are sold by weight (gram or ounce), with purity, weight, and manufacturer details stamped on the bar. Gold rounds are another form you may find bullion in.Gold coins:Collectibles like the American Gold Eagle often carry a premium over bars of equivalent weight due to their rarity and collectible status.Gold jewelry:Jewelry’s price usually exceeds its gold content value due to design and craftsmanship.Gold futures contracts:These allow investors to agree on a set price for gold at a future date, enabling speculation without physical delivery.Gold funds:Mutual funds or ETFs holding gold assets. Like other ETFs, their value fluctuates with the underlying holdings.Is it a good time to invest in gold?Determining whether now is the optimal time to invest in gold is somewhat subjective. However, gold can help diversify portfolios and cushion against market swings.Currently, gold remains a stable asset amid high market volatility. Prices have reached record levels, climbing over 25% since early 2025, driven by persistent inflation and economic uncertainty. Many experts recommend adding gold to diversify holdings.Current precious metals pricesas of 9:15 a.m. ET on November 7, 2025Precious MetalPrice per ounceGold$4,003Silver$49Platinum$1,551Palladium$1,398GoldPrice per ounce$4,003SilverPrice per ounce$49PlatinumPrice per ounce$1,551PalladiumPrice per ounce$1,398Silver, platinum, and palladium are also popular portfolio additions. Gold is generally less volatile than silver, which can swing widely even within a single day. Silver’s industrial uses make it more sensitive to economic shifts.Platinum and palladium behave similarly to silver. While these rare metals can add diversification, they tend to fluctuate more than gold.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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color: #0A3B5F; line-height: 24px; } #VDQsFDqDslWsrYao .sub-heading-container { display: flex; justify-content: space-between; margin-top: 10px; } #VDQsFDqDslWsrYao .prod-desc-text { font-size: 12px; text-decoration: underline; color: #1C96F0; cursor: pointer; line-height: 16px; } #VDQsFDqDslWsrYao .hide { display: none; } #VDQsFDqDslWsrYao .overlay-background-blur { position: fixed; top: 0px; left: 0px; width: 100%; height: 100%; background: rgba(53, 49, 69, 0.4); z-index: 1; } #VDQsFDqDslWsrYao .prod-desc-popup-content { top: 5%; margin-top: 20px; padding-bottom: 0; position: fixed; z-index: 1000; left: 0; right: 0; min-width: 600px; width: 80%; height: 90%; overflow-y: scroll; margin: auto; text-align: left; background-color: #fff; border: solid 1px #dcdcde; font-size: 12px; -webkit-box-shadow: -2px 2px 2px 0px rgba(220,220,222,0.75); -moz-box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); box-shadow: -2px 2px 2px 0px rgba(220, 220, 222, 0.75); -webkit-border-radius: .125rem; -moz-border-radius: .125rem; border-radius: .125rem; color: #000; line-height: 30px; box-shadow: 0px 0px 8px #0C1B2428; } #VDQsFDqDslWsrYao .overlay-close-btn { background-image: url("data:image/svg+xml;base64,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"); height: 24px; width: 24px; right: 0; position: absolute; top: 12px; right: 12px; cursor: pointer; } #VDQsFDqDslWsrYao .prod-desc-content-cntnr { font-size: 20px; color: #0A3C5F; } #VDQsFDqDslWsrYao .prod-desc-content-cntnr .prod-desc-header { font-size: 20px; color: #0A3C5F; padding: 16px 25px; border-bottom: 1px solid #D0E0EE; } #VDQsFDqDslWsrYao .product-list { display: flex; flex-flow: row wrap; } #VDQsFDqDslWsrYao .item { flex: 1 1 calc(33.3% - 48px); align-items: unset; padding: 12px 24px; flex-flow: column; align-content: center; } #VDQsFDqDslWsrYao .description { font-size: 12px; line-height: 18px; } #VDQsFDqDslWsrYao .title { font-size: 12px; color: #0A3C5F; font-weight: bold; } #VDQsFDqDslWsrYao .description-title { text-transform: uppercase; } .row-odd, .row-even { display: flex; margin-top: 12px; justify-content: space-between; } .desktop-bg { background: #E9F5FF; } .add-overlay-content { width: 400px; margin: auto; right: 3%; padding: 16px 24px; border: 2px solid #D0E0EE; border-radius: 6px; position: absolute; background: #eceef1; color: black; font-size: 12px; top: 50px; z-index: 5; } .disclosure-title { font-size: 20px; color: #0A3C5F; font-weight: normal; padding: 16px 0px; border-bottom: 1px solid #D0E0EE; } .filter-disclosure-content { font-size: 14px; color: #08283B; line-height: 22px; margin-top: 10px; max-height: 150px; overflow-y: scroll; padding-right: 10px; } .header-section { display: none; justify-content: space-between; padding: 26px 0px; border-bottom: 1px solid #D0E0EE; } .add-text { font-size: 12px; color: #1C96F0; text-decoration: underline; cursor: pointer; } .title-container { margin-top: 22px; } @media (max-width : 575px) { .filter-disclosure-content { max-height: 250px; } .add-overlay-content { width: 80%; } } #VDQsFDqDslWsrYao input.chk-btn + label { padding: 10px 11px; } #VDQsFDqDslWsrYao .check-elem { margin: 3px; } #VDQsFDqDslWsrYao.minFilter .check-elem.annuity { display: none !important; } #VDQsFDqDslWsrYao.minFilter .check-elem.businesschecking { display: none !important; } #VDQsFDqDslWsrYao.minFilter .check-elem.view-btn { display: none; } #VDQsFDqDslWsrYao.minFilter input.chk-btn + label { padding: 10px 11px; } #VDQsFDqDslWsrYao .sh-msg { display: none; font-size: 20px; text-align: center; margin-top: 20px; } @media (max-width: 375px) { #VDQsFDqDslWsrYao input.chk-btn + label { padding: 10px 8px; } #VDQsFDqDslWsrYao.minFilter input.chk-btn + label { padding: 10px 8px; } } @media (max-width: 360px) { #VDQsFDqDslWsrYao input.chk-btn + label { padding: 10px 3px; font-size: 12px; } #VDQsFDqDslWsrYao.minFilter input.chk-btn + label { padding: 10px 4px; font-size: 12px; } } #VDQsFDqDslWsrYao .sh-loading-msg { font: normal normal 500 20px/28px Roboto; text-align: center; color: #0A3C5F; } #VDQsFDqDslWsrYao.loadingMessage .sh-loading-msg { display: block; } #VDQsFDqDslWsrYao.loadingMessage.listingsLoaded .sh-loading-msg { display: none; } @media (max-width: 650px){ #VDQsFDqDslWsrYao .sh-loading-msg { font-size: 18px; } } #VDQsFDqDslWsrYao .mobile { display: none; } #VDQsFDqDslWsrYao .sh-hide { display: none; } #VDQsFDqDslWsrYao .desktop { display: block; } #VDQsFDqDslWsrYao .desktop-inline { display: inline-block; } #VDQsFDqDslWsrYao .row-1, #VDQsFDqDslWsrYao .row-2 { display: flex; } #VDQsFDqDslWsrYao .row-1 { padding: 24px 23px 24px 24px; justify-content: space-between; } #VDQsFDqDslWsrYao .row-2 { background: #F2F9FF 0% 0% no-repeat padding-box; width: 100%; } #VDQsFDqDslWsrYao .row-2 .listing-description { padding: 24px 23px; width: 100%; } #VDQsFDqDslWsrYao .logo-image-wrapper { margin: auto; width: 196px; } #VDQsFDqDslWsrYao .logo-column { display: flex; align-items: center; } #VDQsFDqDslWsrYao .logo-image-wrapper img { width: 100%; height: auto; } #VDQsFDqDslWsrYao .ad-copy { margin-left: 24px; } #VDQsFDqDslWsrYao .total-results { color: #0A3B5F; font-weight: bold; font-size: 14px; } #VDQsFDqDslWsrYao .listing-description .disclosure-content { margin-top: 0px; } #VDQsFDqDslWsrYao .logo-column.flex-container { flex: 0 0 20%; } #VDQsFDqDslWsrYao .ad-copy-column.flex-container { flex: 0 0 78%; } #VDQsFDqDslWsrYao .top-section-right { margin-left: 5px; } #VDQsFDqDslWsrYao .cta-column.flex-container { flex: 0 0 20%; align-items: center; justify-content: center; } #VDQsFDqDslWsrYao .ad-copy { margin-left: 24px; } #VDQsFDqDslWsrYao .ad-copy-top-section { display: flex; justify-content: space-between; margin-bottom: 24px; } #VDQsFDqDslWsrYao .listing-title { color: #1C96F0; text-align: left; font: normal normal bold 20px/24px Roboto; letter-spacing: 0px; } #VDQsFDqDslWsrYao .disclosure-desk-sec { display: flex; flex-direction: row; text-align: center; align-items: center; } #VDQsFDqDslWsrYao .ad-copy-disclosure { position: relative; display: flex; flex-direction: row; align-items: center; margin-top: 15px; } #VDQsFDqDslWsrYao .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; } #VDQsFDqDslWsrYao .prop-conatiner { display: flex; flex: 0 0 31%; flex-direction: column; } #VDQsFDqDslWsrYao .shmktpl-button { display: flex; align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #VDQsFDqDslWsrYao .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #VDQsFDqDslWsrYao .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #VDQsFDqDslWsrYao .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #VDQsFDqDslWsrYao .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #VDQsFDqDslWsrYao .disclosure-contnr { text-align: center; } #VDQsFDqDslWsrYao .listing-header-cntnr { margin-top: 34px; } #VDQsFDqDslWsrYao .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #VDQsFDqDslWsrYao .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #VDQsFDqDslWsrYao .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #VDQsFDqDslWsrYao .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #VDQsFDqDslWsrYao .apy-label { font: normal normal 900 24px / 28px Roboto; } #VDQsFDqDslWsrYao .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #VDQsFDqDslWsrYao .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #VDQsFDqDslWsrYao .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #VDQsFDqDslWsrYao .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #VDQsFDqDslWsrYao .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #VDQsFDqDslWsrYao .additional-content { margin-top: 0px !important; } #VDQsFDqDslWsrYao .additional-content ul li { margin-bottom: 0; } #VDQsFDqDslWsrYao .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #VDQsFDqDslWsrYao .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #VDQsFDqDslWsrYao .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #VDQsFDqDslWsrYao .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #VDQsFDqDslWsrYao .shArrow { width: 12px; height: 7px; } #VDQsFDqDslWsrYao span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #VDQsFDqDslWsrYao .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #VDQsFDqDslWsrYao .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #VDQsFDqDslWsrYao #see_more_carrier, #VDQsFDqDslWsrYao .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #VDQsFDqDslWsrYao .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #VDQsFDqDslWsrYao .apy-label p { margin-top: 0px; margin-bottom: 0px; } #VDQsFDqDslWsrYao .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #VDQsFDqDslWsrYao { padding: 0 26px; } #VDQsFDqDslWsrYao .logo-image-wrapper { width: 136px; } #VDQsFDqDslWsrYao .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #VDQsFDqDslWsrYao .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #VDQsFDqDslWsrYao .prop-value-container .apy-container { flex: 0 0 44%; } #VDQsFDqDslWsrYao .prop-value-container .mfee-container, #VDQsFDqDslWsrYao .prop-value-container .minvalue-container { flex: 0 0 28%; } #VDQsFDqDslWsrYao .ad-copy-top-section { margin-bottom: 15px; } #VDQsFDqDslWsrYao .sh-row-product-title { max-width: 136px; } #VDQsFDqDslWsrYao .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #VDQsFDqDslWsrYao .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #VDQsFDqDslWsrYao .logo-image-wrapper { width: 100%; max-width: 292px; } #VDQsFDqDslWsrYao .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #VDQsFDqDslWsrYao .ad-copy { margin-left: 0; } #VDQsFDqDslWsrYao .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #VDQsFDqDslWsrYao .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #VDQsFDqDslWsrYao .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #VDQsFDqDslWsrYao .see-more-text { padding: 16px 15px; } #VDQsFDqDslWsrYao .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #VDQsFDqDslWsrYao .top-section-right { margin-left: 0px; } #VDQsFDqDslWsrYao .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #VDQsFDqDslWsrYao.sizeone .header-section { padding: 6px 10px; } } #VDQsFDqDslWsrYao.sh-box650.device-desktop .row-1 { padding-left: 14px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box700.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box750.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box800.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box850.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box900.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box700.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box750.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box800.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box850.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box900.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box700.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box750.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box800.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box850.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box900.device-desktop .listing-title, #VDQsFDqDslWsrYao.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box700.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box750.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box800.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box850.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box900.device-desktop .shmktpl-button, #VDQsFDqDslWsrYao.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box750.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box800.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box850.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box900.device-desktop .prop-value-container .apy-container, #VDQsFDqDslWsrYao.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box750.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box800.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box850.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box900.device-desktop .prop-value-container .mfee-container, #VDQsFDqDslWsrYao.sh-box950.device-desktop .prop-value-container .mfee-container #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box750.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box800.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box850.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box900.device-desktop .prop-value-container .minvalue-container, #VDQsFDqDslWsrYao.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box700.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box750.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box800.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box850.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box900.device-desktop .sh-row-product-title, #VDQsFDqDslWsrYao.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box700.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box750.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box800.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box850.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box900.device-desktop .disclosure-content ul li, #VDQsFDqDslWsrYao.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box700.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box750.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box800.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box850.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box900.device-desktop .ad-copy-top-section, #VDQsFDqDslWsrYao.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #VDQsFDqDslWsrYao.sh-box650.device-desktop .row-1, #VDQsFDqDslWsrYao.sh-box700.device-desktop .row-1 , #VDQsFDqDslWsrYao.sh-box650.device-desktop .row-2, #VDQsFDqDslWsrYao.sh-box700.device-desktop .row-2 , #VDQsFDqDslWsrYao.sh-box500.device-desktop .row-1, #VDQsFDqDslWsrYao.sh-box550.device-desktop .row-1 , #VDQsFDqDslWsrYao.sh-box500.device-desktop .row-2, #VDQsFDqDslWsrYao.sh-box550.device-desktop .row-2{ display: unset; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box700.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box550.device-desktop .ad-copy, #VDQsFDqDslWsrYao.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box700.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box550.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box500.device-desktop .apy-label, #VDQsFDqDslWsrYao.sh-box650.device-desktop .prop-value, #VDQsFDqDslWsrYao.sh-box700.device-desktop .prop-value, #VDQsFDqDslWsrYao.sh-box550.device-desktop .prop-value, #VDQsFDqDslWsrYao.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box700.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box550.device-desktop .logo-image-wrapper, #VDQsFDqDslWsrYao.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #VDQsFDqDslWsrYao.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#VDQsFDqDslWsrYao.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#VDQsFDqDslWsrYao.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#VDQsFDqDslWsrYao.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #VDQsFDqDslWsrYao .shmktpl-title, #VDQsFDqDslWsrYao .sub-heading-container, #VDQsFDqDslWsrYao .filter-check-options-cntnr, #VDQsFDqDslWsrYao .listing-header-cntnr { display: none; } #VDQsFDqDslWsrYao.title .shmktpl-title, #VDQsFDqDslWsrYao.subHeading .sub-heading-container, #VDQsFDqDslWsrYao.multiSelectFilter .filter-check-options-cntnr, #VDQsFDqDslWsrYao.resultsText .listing-header-cntnr { display: flex; } #VDQsFDqDslWsrYao.sizeone .add-overlay-content { width: 62%; height: auto; } #VDQsFDqDslWsrYao.sizeone .disclosure-title { padding: 6px 0px; } #VDQsFDqDslWsrYao.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #VDQsFDqDslWsrYao .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #VDQsFDqDslWsrYao.sizeone .title-container { margin-top: 0; } #VDQsFDqDslWsrYao.sizeone .non_featured_list { margin-top: 0; } #VDQsFDqDslWsrYao.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #VDQsFDqDslWsrYao.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #VDQsFDqDslWsrYao .item { flex: 1 1 calc(50% - 48px); } #VDQsFDqDslWsrYao .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #VDQsFDqDslWsrYao .item:nth-of-type(4n+3), #VDQsFDqDslWsrYao .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #VDQsFDqDslWsrYao .item:nth-of-type(4n+1), #VDQsFDqDslWsrYao .item:nth-of-type(4n+1) + * { background-color: #fff; } #VDQsFDqDslWsrYao .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #VDQsFDqDslWsrYao .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #VDQsFDqDslWsrYao .desktop, #VDQsFDqDslWsrYao .desktop-inline { display: none; } #VDQsFDqDslWsrYao .mobile { display: block !important; } #VDQsFDqDslWsrYao { padding: 0 18px; } #VDQsFDqDslWsrYao .shmktpl-title { font-size: 24px; line-height: 29px; } #VDQsFDqDslWsrYao .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #VDQsFDqDslWsrYao .add-overlay-content { width: 80%; height: auto; } #VDQsFDqDslWsrYao .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #VDQsFDqDslWsrYao .row-1 { flex-flow: column; padding: 16px; } #VDQsFDqDslWsrYao .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #VDQsFDqDslWsrYao .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #VDQsFDqDslWsrYao .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #VDQsFDqDslWsrYao .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #VDQsFDqDslWsrYao .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #VDQsFDqDslWsrYao .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #VDQsFDqDslWsrYao .prop-value { margin-top: 0; } #VDQsFDqDslWsrYao .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #VDQsFDqDslWsrYao .non_featured_list { margin-top: 18px; } #VDQsFDqDslWsrYao .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #VDQsFDqDslWsrYao .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #VDQsFDqDslWsrYao .item:nth-child(3n), #VDQsFDqDslWsrYao .desktop-bg { background: none; } #VDQsFDqDslWsrYao .prod-desc-popup-content { padding: 0; } #VDQsFDqDslWsrYao .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #VDQsFDqDslWsrYao .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #VDQsFDqDslWsrYao .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #VDQsFDqDslWsrYao .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #VDQsFDqDslWsrYao .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #VDQsFDqDslWsrYao .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #VDQsFDqDslWsrYao .disclosure-content ul { padding-left: 14px; line-height: 28px; } #VDQsFDqDslWsrYao .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #VDQsFDqDslWsrYao .additional-features { flex: 0 0 100%; } #VDQsFDqDslWsrYao .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #VDQsFDqDslWsrYao.sizeone .listing-header-cntnr { display: none; } #VDQsFDqDslWsrYao.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #VDQsFDqDslWsrYao .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #VDQsFDqDslWsrYao .prod-desc-popup-content { position: fixed; } } #VDQsFDqDslWsrYao.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #VDQsFDqDslWsrYao.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #VDQsFDqDslWsrYao.listingAlignment .logo-image-wrapper img { width: 100%; } #VDQsFDqDslWsrYao.listingAlignment { padding: 0px; } #VDQsFDqDslWsrYao.listingAlignment .listing-title { font-size: 14px; } #VDQsFDqDslWsrYao.listingAlignment .listing-title span { font-size: 14px; } #VDQsFDqDslWsrYao.listingAlignment .row-1 { padding: 26px 10px; } #VDQsFDqDslWsrYao.listingAlignment .prop-name { font-size: 10px; } #VDQsFDqDslWsrYao.listingAlignment .prop-value { font-size: 14px } #VDQsFDqDslWsrYao.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #VDQsFDqDslWsrYao.listingAlignment .logo-column.flex-container { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .prop-conatiner { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .ad-copy-column.flex-container { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .cta-column.flex-container { flex: unset; } #VDQsFDqDslWsrYao.listingAlignment .disclosure-content ul li::before { content: unset; } #VDQsFDqDslWsrYao.listingAlignment .disclosure-content ul li { list-style: disc; } } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #VDQsFDqDslWsrYao.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #VDQsFDqDslWsrYao.ctaAlignment .cta-column.flex-container { display: block !important; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button { font-size: 16px; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #VDQsFDqDslWsrYao.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #VDQsFDqDslWsrYao .sh-no-listing-msg { padding: 20px 0px; } #VDQsFDqDslWsrYao .sh-widget-footer-MBT { display: none; } #VDQsFDqDslWsrYao.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #VDQsFDqDslWsrYao.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #VDQsFDqDslWsrYao.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #VDQsFDqDslWsrYao .sh-widget-footer-QS { display: none; } #VDQsFDqDslWsrYao.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #VDQsFDqDslWsrYao.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #VDQsFDqDslWsrYao.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #VDQsFDqDslWsrYao.customizeColorEffect .listing-title, #VDQsFDqDslWsrYao.customizeColorEffect .prop-name, #VDQsFDqDslWsrYao.customizeColorEffect .prop-value, #VDQsFDqDslWsrYao.customizeColorEffect .curDate, #VDQsFDqDslWsrYao.customizeColorEffect span.current-date, #VDQsFDqDslWsrYao.customizeColorEffect .disclosure-content ul li, #VDQsFDqDslWsrYao.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #VDQsFDqDslWsrYao.customizeColorEffect .add-text, #VDQsFDqDslWsrYao.customizeColorEffect .see-more-text, #VDQsFDqDslWsrYao.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #VDQsFDqDslWsrYao.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #VDQsFDqDslWsrYao.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #VDQsFDqDslWsrYao.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #VDQsFDqDslWsrYao.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #VDQsFDqDslWsrYao.sizeone.customizeColorEffect .header-section, #VDQsFDqDslWsrYao.customizeColorEffect .row-2 { background: #E9F0EC; } #VDQsFDqDslWsrYao.customizeColorEffect .listing-title { display: unset; } #VDQsFDqDslWsrYao.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #VDQsFDqDslWsrYao.customizeColorEffect .listing-title .prod-name:hover, #VDQsFDqDslWsrYao.customizeColorEffect .listing-title:hover, #VDQsFDqDslWsrYao.customizeColorEffect .add-text:hover, #VDQsFDqDslWsrYao.customizeColorEffect .disclosure-contnr .text:hover, #VDQsFDqDslWsrYao.customizeColorEffect .see-more-text:hover { color: #EB0017; } #VDQsFDqDslWsrYao.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #VDQsFDqDslWsrYao.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #VDQsFDqDslWsrYao.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #VDQsFDqDslWsrYao.customizeColorEffect .listing-title { display: block; } #VDQsFDqDslWsrYao.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #VDQsFDqDslWsrYao.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #VDQsFDqDslWsrYao .sh-right-arrow { display: none; } #VDQsFDqDslWsrYao.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #VDQsFDqDslWsrYao .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #VDQsFDqDslWsrYao.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #VDQsFDqDslWsrYao.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #VDQsFDqDslWsrYao{position:relative;}.add-overlay-content{right: 4%;}#VDQsFDqDslWsrYao .shmktpl-button span.btn__text::after{display:none;} #VDQsFDqDslWsrYao .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #VDQsFDqDslWsrYao .shmktpl-button:hover{background:#0E86DE;} #VDQsFDqDslWsrYao .add-text:hover {color:#0E86DE;} #VDQsFDqDslWsrYao .listing-title .prod-name:hover{color:#0E86DE;} #VDQsFDqDslWsrYao .disclosure-contnr .text:hover{color:#0E86DE;} #VDQsFDqDslWsrYao .see-more-text{width:68px} #VDQsFDqDslWsrYao .see-more-text:hover{color:#0E86DE;} #VDQsFDqDslWsrYao .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has experienced significant changes in recent years, with prolonged inflation taking a toll. Gold can act as an inflation hedge within a portfolio. Thanks to various acquisition methods, it’s a relatively accessible asset for investors, regardless of experience. Whether you choose a gold IRA or a more active investment account, gold can help achieve both short- and long-term financial goals.Frequently asked questionsWhat is the best way to own gold?Many investors prefer gold ETFs, which offer a managed selection of easily traded assets.Is gold a good investment?Gold is often chosen by those seeking portfolio diversification and inflation protection. There are many accessible ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value per ounce than bars. Their collectible and historical appeal can make them attractive to some investors. Additionally, U.S. minted coins can help safeguard buyers against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Pep Guardiola says he feels 'so sorry' for Erik ten Hag after his sacking
Sports 2025-12-19 02:00:39

Pep Guardiola says he feels 'so sorry' for Erik ten Hag after his sacking

Manchester City manager Pep Guardiola has expressed his sympathy for Erik ten Hag after the Dutchman was sacked by Manchester United on Monday.Ten Hag was dismissed as United manager with his side 14th in the Premier League table, having finished eighth last season. Manchester City manager Pep Guardiola has expressed his sympathy for Erik ten Hag after the Dutchman was sacked by Manchester United on Monday. Ten Hag was dismissed as United manager with his side 14th in the Premier League table, having finished eighth last season. Guardiola's City faced off against United seven times during Ten Hag's 29-month reign at Old Trafford. City won four of those games - including a 6-3 victory in October 2022 - but United famously beat their neighbours 2-1 in the final of last season's FA Cup. Speaking on Tuesday, Guardiola had some kind words for his former rival. 'Always I feel sorry for managers [when they are sacked], you know?' Guardiola said at a press conference. 'He's lost his position, so I'm so sorry for him. 'I have a good, I think incredible relationship [with him]. I think he represented Manchester United at the highest level in terms of behaviours, of course. 'Our job as managers is one of the few jobs – in all the jobs in the world – where people are expecting to be sacked. People are expecting you don't have a job. 'I don't see architects or doctors or teachers or anything... the people deciding [their futures don't say]: "Get out." It's only us. It's our job, we have to accept it. Guardiola went on to predict that Ten Hag will 'come back stronger'. The Spaniard added: 'I wish him all the best, he and his family, and of course he's going to come back stronger. 'He knows, I know, everybody knows: our job depends on the results. The results are not good enough. 'I'm saying that, and even myself, I'm not an exception. If the results are not good, there isn't anything that can sustain it. Our job, unfortunately, is as simple as that. You have to get results. 'If you are [there] because you are handsome, or because you [speak well], or have good relationships with the hierarchies, forget about it. 'I have an incredible relationship with my hierarchy, but if I didn't get results, I wouldn't be here. This is a business, and when you become a manager, you have to know it.' Guardiola has been in charge at Man City since July 2016. His current contract is due to expire in June next year.

Current price of gold as of October 31, 2025
Personal Finance 2025-12-30 01:25:52

Current price of gold as of October 31, 2025

The price of gold stood at $4,022 per ounce as of 9 a.m. Eastern Time on October 31, 2025. This marks a $47 increase compared to the same time yesterday and more than a $1,286 jump from a year prior.Gold price per ounce% ChangePrice of gold yesterday$3,975-1.17%Price of gold 1 month ago$3,864-3.93%Price of gold 1 year ago$2,736-31.97%Price of gold yesterdayGold price per ounce$3,975% Change-1.17%Price of gold 1 month agoGold price per ounce$3,864% Change-3.93%Price of gold 1 year agoGold price per ounce$2,736% Change-31.97%For those seeking an investment that isn’t directly linked to inflation fluctuations, gold could be a suitable option. Historically, gold tends to appreciate over time. A gold IRA is one of the most popular ways to buy and hold gold, providing portfolio stability during turbulent markets. It’s also a practical solution for investors who prefer not to deal with the logistics of storing physical gold bullion.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold isn’t always a guaranteed winner. In robust economic periods, equities can outperform both in the short and long run. From 1971 through 2024, the stock market’s average annual return was 10.7%, while gold’s was 7.9% over the same span.Still, during periods of economic instability, gold is considered a safer, risk-averse asset. Many investors view it more as a store of value than as an investment like stocks or bonds.What does “spot gold” mean?The spot gold price refers to the immediate purchase or sale price of gold in an over-the-counter transaction. This metric helps investors gauge current demand and market trends. Put simply, a higher spot gold price signals stronger demand. Unlike futures contracts, the spot price is for instant delivery.If the future price exceeds the spot price, this is known as contango, common in commodities with significant storage costs. If the futures price is below the spot price, the market is in backwardation.Numerous factors can influence the spot price, causing it to fluctuate frequently. Prospective gold investors should be comfortable with this level of price volatility.What is price spread in gold trading?A price spread is the gap between the price at which an asset can be purchased and the price at which it can be sold.In gold trading, these are called the ask price (the cost to buy) and the bid price (the amount you’d receive selling). The bid price is always less than the ask price.A narrower spread indicates a more liquid market. When the spread is tight, it suggests rising demand for gold.How to invest in goldIf your mind jumps to Scrooge McDuck diving into gold coins when you think of gold investment, that’s only partly accurate. While buying physical gold bars, coins, or jewelry is possible, gold is frequently traded via exchange-traded funds (ETFs).James Taska, a fee-based financial advisor, notes, “There is a great debate as to whether paper gold is as useful as the physical. From a financial advisor’s viewpoint, it is much easier to rebalance a client’s allocation of gold if it is owned as an exchange-traded fund (ETF), and the spread when attempting to buy/sell gold can be quite variable and wide.”Common gold investment options include:Gold bars:Known as bullion, these are sold by weight (gram or ounce), with purity, weight, and manufacturer details stamped on the bar. Gold rounds are another form you may find bullion in.Gold coins:Collectibles like the American Gold Eagle often carry a premium over bars of equivalent weight due to their rarity and collectible status.Gold jewelry:Jewelry’s price usually exceeds its gold content value due to design and craftsmanship.Gold futures contracts:These allow investors to agree on a set price for gold at a future date, enabling speculation without physical delivery.Gold funds:Mutual funds or ETFs holding gold assets. Like other ETFs, their value fluctuates with the underlying holdings.Is it a good time to invest in gold?Determining whether now is the optimal time to invest in gold is somewhat subjective. However, gold can help diversify portfolios and cushion against market swings.Currently, gold remains a stable asset amid high market volatility. Prices have reached record levels, climbing over 25% since early 2025, driven by persistent inflation and economic uncertainty. Many experts recommend adding gold to diversify holdings.Current precious metals pricesas of 9 a.m. ET on October 31, 2025Precious MetalPrice per ounceGold$4,022Silver$49Platinum$1,597Palladium$1,463GoldPrice per ounce$4,022SilverPrice per ounce$49PlatinumPrice per ounce$1,597PalladiumPrice per ounce$1,463Silver, platinum, and palladium are also popular portfolio additions. Gold is generally less volatile than silver, which can swing widely even within a single day. Silver’s industrial uses make it more sensitive to economic shifts.Platinum and palladium behave similarly to silver. While these rare metals can add diversification, they tend to fluctuate more than gold.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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cursor: pointer; letter-spacing: 0.48px; } #TYsOAUpXfTTuMvuH .additional-content { margin-top: 0px !important; } #TYsOAUpXfTTuMvuH .additional-content ul li { margin-bottom: 0; } #TYsOAUpXfTTuMvuH .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #TYsOAUpXfTTuMvuH .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #TYsOAUpXfTTuMvuH .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #TYsOAUpXfTTuMvuH .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #TYsOAUpXfTTuMvuH .shArrow { width: 12px; height: 7px; } #TYsOAUpXfTTuMvuH span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #TYsOAUpXfTTuMvuH .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #TYsOAUpXfTTuMvuH .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #TYsOAUpXfTTuMvuH #see_more_carrier, #TYsOAUpXfTTuMvuH .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #TYsOAUpXfTTuMvuH .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #TYsOAUpXfTTuMvuH .apy-label p { margin-top: 0px; margin-bottom: 0px; } #TYsOAUpXfTTuMvuH .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #TYsOAUpXfTTuMvuH { padding: 0 26px; } #TYsOAUpXfTTuMvuH .logo-image-wrapper { width: 136px; } #TYsOAUpXfTTuMvuH .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYsOAUpXfTTuMvuH .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYsOAUpXfTTuMvuH .prop-value-container .apy-container { flex: 0 0 44%; } #TYsOAUpXfTTuMvuH .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYsOAUpXfTTuMvuH .ad-copy-top-section { margin-bottom: 15px; } #TYsOAUpXfTTuMvuH .sh-row-product-title { max-width: 136px; } #TYsOAUpXfTTuMvuH .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #TYsOAUpXfTTuMvuH .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #TYsOAUpXfTTuMvuH .logo-image-wrapper { width: 100%; max-width: 292px; } #TYsOAUpXfTTuMvuH .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #TYsOAUpXfTTuMvuH .ad-copy { margin-left: 0; } #TYsOAUpXfTTuMvuH .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #TYsOAUpXfTTuMvuH .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #TYsOAUpXfTTuMvuH .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #TYsOAUpXfTTuMvuH .see-more-text { padding: 16px 15px; } #TYsOAUpXfTTuMvuH .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #TYsOAUpXfTTuMvuH .top-section-right { margin-left: 0px; } #TYsOAUpXfTTuMvuH .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #TYsOAUpXfTTuMvuH.sizeone .header-section { padding: 6px 10px; } } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .row-1 { padding-left: 14px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .listing-title, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .shmktpl-button, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .prop-value-container .apy-container, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .prop-value-container .mfee-container, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .prop-value-container .mfee-container #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .prop-value-container .minvalue-container, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .sh-row-product-title, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .disclosure-content ul li, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box750.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box800.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box850.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box900.device-desktop .ad-copy-top-section, #TYsOAUpXfTTuMvuH.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .row-1, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .row-1 , #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .row-2, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .row-2 , #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .row-1, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .row-1 , #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .row-2, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .row-2{ display: unset; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .ad-copy, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .apy-label, #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .prop-value, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .prop-value, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .prop-value, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box700.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box550.device-desktop .logo-image-wrapper, #TYsOAUpXfTTuMvuH.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #TYsOAUpXfTTuMvuH.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#TYsOAUpXfTTuMvuH.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#TYsOAUpXfTTuMvuH.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#TYsOAUpXfTTuMvuH.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #TYsOAUpXfTTuMvuH .shmktpl-title, #TYsOAUpXfTTuMvuH .sub-heading-container, #TYsOAUpXfTTuMvuH .filter-check-options-cntnr, #TYsOAUpXfTTuMvuH .listing-header-cntnr { display: none; } #TYsOAUpXfTTuMvuH.title .shmktpl-title, #TYsOAUpXfTTuMvuH.subHeading .sub-heading-container, #TYsOAUpXfTTuMvuH.multiSelectFilter .filter-check-options-cntnr, #TYsOAUpXfTTuMvuH.resultsText .listing-header-cntnr { display: flex; } #TYsOAUpXfTTuMvuH.sizeone .add-overlay-content { width: 62%; height: auto; } #TYsOAUpXfTTuMvuH.sizeone .disclosure-title { padding: 6px 0px; } #TYsOAUpXfTTuMvuH.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #TYsOAUpXfTTuMvuH .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #TYsOAUpXfTTuMvuH.sizeone .title-container { margin-top: 0; } #TYsOAUpXfTTuMvuH.sizeone .non_featured_list { margin-top: 0; } #TYsOAUpXfTTuMvuH.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #TYsOAUpXfTTuMvuH.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #TYsOAUpXfTTuMvuH .item { flex: 1 1 calc(50% - 48px); } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+3), #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+1), #TYsOAUpXfTTuMvuH .item:nth-of-type(4n+1) + * { background-color: #fff; } #TYsOAUpXfTTuMvuH .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #TYsOAUpXfTTuMvuH .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #TYsOAUpXfTTuMvuH .desktop, #TYsOAUpXfTTuMvuH .desktop-inline { display: none; } #TYsOAUpXfTTuMvuH .mobile { display: block !important; } #TYsOAUpXfTTuMvuH { padding: 0 18px; } #TYsOAUpXfTTuMvuH .shmktpl-title { font-size: 24px; line-height: 29px; } #TYsOAUpXfTTuMvuH .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #TYsOAUpXfTTuMvuH .add-overlay-content { width: 80%; height: auto; } #TYsOAUpXfTTuMvuH .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #TYsOAUpXfTTuMvuH .row-1 { flex-flow: column; padding: 16px; } #TYsOAUpXfTTuMvuH .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #TYsOAUpXfTTuMvuH .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #TYsOAUpXfTTuMvuH .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #TYsOAUpXfTTuMvuH .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #TYsOAUpXfTTuMvuH .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #TYsOAUpXfTTuMvuH .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #TYsOAUpXfTTuMvuH .prop-value { margin-top: 0; } #TYsOAUpXfTTuMvuH .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #TYsOAUpXfTTuMvuH .non_featured_list { margin-top: 18px; } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #TYsOAUpXfTTuMvuH .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #TYsOAUpXfTTuMvuH .item:nth-child(3n), #TYsOAUpXfTTuMvuH .desktop-bg { background: none; } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { padding: 0; } #TYsOAUpXfTTuMvuH .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #TYsOAUpXfTTuMvuH .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #TYsOAUpXfTTuMvuH .disclosure-content ul { padding-left: 14px; line-height: 28px; } #TYsOAUpXfTTuMvuH .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #TYsOAUpXfTTuMvuH .additional-features { flex: 0 0 100%; } #TYsOAUpXfTTuMvuH .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #TYsOAUpXfTTuMvuH.sizeone .listing-header-cntnr { display: none; } #TYsOAUpXfTTuMvuH.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #TYsOAUpXfTTuMvuH .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #TYsOAUpXfTTuMvuH .prod-desc-popup-content { position: fixed; } } #TYsOAUpXfTTuMvuH.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #TYsOAUpXfTTuMvuH.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #TYsOAUpXfTTuMvuH.listingAlignment .logo-image-wrapper img { width: 100%; } #TYsOAUpXfTTuMvuH.listingAlignment { padding: 0px; } #TYsOAUpXfTTuMvuH.listingAlignment .listing-title { font-size: 14px; } #TYsOAUpXfTTuMvuH.listingAlignment .listing-title span { font-size: 14px; } #TYsOAUpXfTTuMvuH.listingAlignment .row-1 { padding: 26px 10px; } #TYsOAUpXfTTuMvuH.listingAlignment .prop-name { font-size: 10px; } #TYsOAUpXfTTuMvuH.listingAlignment .prop-value { font-size: 14px } #TYsOAUpXfTTuMvuH.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #TYsOAUpXfTTuMvuH.listingAlignment .logo-column.flex-container { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .prop-conatiner { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .ad-copy-column.flex-container { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .cta-column.flex-container { flex: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .disclosure-content ul li::before { content: unset; } #TYsOAUpXfTTuMvuH.listingAlignment .disclosure-content ul li { list-style: disc; } } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #TYsOAUpXfTTuMvuH.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #TYsOAUpXfTTuMvuH.ctaAlignment .cta-column.flex-container { display: block !important; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button { font-size: 16px; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #TYsOAUpXfTTuMvuH.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #TYsOAUpXfTTuMvuH .sh-no-listing-msg { padding: 20px 0px; } #TYsOAUpXfTTuMvuH .sh-widget-footer-MBT { display: none; } #TYsOAUpXfTTuMvuH.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #TYsOAUpXfTTuMvuH.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYsOAUpXfTTuMvuH.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #TYsOAUpXfTTuMvuH .sh-widget-footer-QS { display: none; } #TYsOAUpXfTTuMvuH.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #TYsOAUpXfTTuMvuH.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #TYsOAUpXfTTuMvuH.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title, #TYsOAUpXfTTuMvuH.customizeColorEffect .prop-name, #TYsOAUpXfTTuMvuH.customizeColorEffect .prop-value, #TYsOAUpXfTTuMvuH.customizeColorEffect .curDate, #TYsOAUpXfTTuMvuH.customizeColorEffect span.current-date, #TYsOAUpXfTTuMvuH.customizeColorEffect .disclosure-content ul li, #TYsOAUpXfTTuMvuH.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #TYsOAUpXfTTuMvuH.customizeColorEffect .add-text, #TYsOAUpXfTTuMvuH.customizeColorEffect .see-more-text, #TYsOAUpXfTTuMvuH.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #TYsOAUpXfTTuMvuH.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #TYsOAUpXfTTuMvuH.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #TYsOAUpXfTTuMvuH.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #TYsOAUpXfTTuMvuH.sizeone.customizeColorEffect .header-section, #TYsOAUpXfTTuMvuH.customizeColorEffect .row-2 { background: #E9F0EC; } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title { display: unset; } #TYsOAUpXfTTuMvuH.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title .prod-name:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .add-text:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .disclosure-contnr .text:hover, #TYsOAUpXfTTuMvuH.customizeColorEffect .see-more-text:hover { color: #EB0017; } #TYsOAUpXfTTuMvuH.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #TYsOAUpXfTTuMvuH.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #TYsOAUpXfTTuMvuH.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #TYsOAUpXfTTuMvuH.customizeColorEffect .listing-title { display: block; } #TYsOAUpXfTTuMvuH.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #TYsOAUpXfTTuMvuH.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #TYsOAUpXfTTuMvuH .sh-right-arrow { display: none; } #TYsOAUpXfTTuMvuH.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #TYsOAUpXfTTuMvuH .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #TYsOAUpXfTTuMvuH.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #TYsOAUpXfTTuMvuH.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #TYsOAUpXfTTuMvuH{position:relative;}.add-overlay-content{right: 4%;}#TYsOAUpXfTTuMvuH .shmktpl-button span.btn__text::after{display:none;} #TYsOAUpXfTTuMvuH .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #TYsOAUpXfTTuMvuH .shmktpl-button:hover{background:#0E86DE;} #TYsOAUpXfTTuMvuH .add-text:hover {color:#0E86DE;} #TYsOAUpXfTTuMvuH .listing-title .prod-name:hover{color:#0E86DE;} #TYsOAUpXfTTuMvuH .disclosure-contnr .text:hover{color:#0E86DE;} #TYsOAUpXfTTuMvuH .see-more-text{width:68px} #TYsOAUpXfTTuMvuH .see-more-text:hover{color:#0E86DE;} #TYsOAUpXfTTuMvuH .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; 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} #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; 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} #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }The takeawayThe U.S. economy has experienced significant changes in recent years, with prolonged inflation taking a toll. Gold can act as an inflation hedge within a portfolio. Thanks to various acquisition methods, it’s a relatively accessible asset for investors, regardless of experience. Whether you choose a gold IRA or a more active investment account, gold can help achieve both short- and long-term financial goals.Frequently asked questionsWhat is the best way to own gold?Many investors prefer gold ETFs, which offer a managed selection of easily traded assets.Is gold a good investment?Gold is often chosen by those seeking portfolio diversification and inflation protection. There are many accessible ways to invest in gold.Should I buy gold coins or gold bars?Gold coins are considered collectibles and may have a higher value per ounce than bars. Their collectible and historical appeal can make them attractive to some investors. Additionally, U.S. minted coins can help safeguard buyers against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Ronaldo blasts 96th minute penalty over bar as Al-Nassr bow out of Saudi Cup
Sports 2025-12-18 09:11:02

Ronaldo blasts 96th minute penalty over bar as Al-Nassr bow out of Saudi Cup

CRISTIANO RONALDO blazed a stoppage-time penalty over the bar as Al-Nassr were dumped out of Saudi Arabia's biggest cup competition.Ronaldo and Co hosted Al-Taawoun on Tuesday night in the last 16 of The King Cup. CRISTIANO RONALDO blazed a stoppage-time penalty over the bar as Al-Nassr were dumped out of Saudi Arabia's biggest cup competition. Ronaldo and Co hosted Al-Taawoun on Tuesday night in the last 16 of The King Cup. Al-Nassr sit seven points above Al-Taawoun in the Saudi Pro League and were expected to book their place in the quarter-finals. But they fell behind with 19 minutes remaining as Waleed Al-Ahmed gave the visitors a shock lead. Ronaldo, who scored and assisted against Al-Taawoun in the Saudi Super Cup back in August, was given the perfect opportunity to equalise in added time when Al-Nassr were awarded a penalty. But he stepped up and fired well over the bar from 12 yards as Al-Nassr crashed out. Manchester United and Real Madrid icon Ronaldo, who has nine goals in 12 games this season, was left with his head in his hands after his late miss. Reacting to the penalty, one fan said: "Madrid fans need a break ????." While another added: "No way he missed a pen and knocked his team out of the competition ????????." A third replied: "Gifted him a penalty to level the game and he roofed it!" And a fourth responded: "No way Penaldo missed the penalty." The result means a golden opportunity for silverware goes begging, with Al-Nassr already playing catch-up in the league. They sit six points adrift of table toppers Al-Hilal after drawing three of their opening eight matches. Ronaldo's only silverware since joining Al-Nassr was last year's Arab Club Champions Cup.

Essential expectations and preparations required for participation
Health 2026-01-10 10:21:13

Essential expectations and preparations required for participation

ContentsInsight into Ayahuasca retreatsChoose the right centerEssential preparation stepsPhysical preparationMental and emotional preparationWhat to expect during ceremoniesIntegration and aftercareMain integration practicesMake a post-retreat planInsight into the ceremon roomThe traditional malocaCeremony protocolPractical considerationsWhat to packDIEET GUIDESResearch and verificationDue diligenceRed flags to pay attentionQuestions to askLast thoughts on your journeyIs the idea interesting to participate in an old healing method that starts recognizing modern society? People around the world have increasingly become interested in traditional plant medicine as a way to self -discovery. According to recent statistics, more than 62,000 people underwent Ayahuasca experiences at Ayahuasca in 2019 that were mainly hosted in Peru.Everyone who is attracted to this healing practice must understand what they can expect in advance. People who want emotional healing or spiritual growth must make informed decisions while preparing for an Ayahuasca trip.Within this guide:Insight into Ayahuasca retreatsChoose the right centerEssential preparation stepsWhat to expect during ceremoniesIntegration and aftercareInsight into Ayahuasca retreatsThe original Amazone roots from Ayahuasca Retreats have developed into organized programs that integrate traditional knowledge together with contemporary support mechanisms. Specialized centers organize these retreats and Peru serves as a leader with 173 established facilities that make more than 160,000 Ayahuasca experiences possible in 2019.Participants in these retreats Become a member of an Ayahuasca trip It consists of ceremonial experiences led by expert shamans or facilitators. The ceremonies represent well-planned events that take a few hours, whereby participants safely consume the traditional Ayahuasca brewing under professional supervision.The combination of holistic healing methods ensures that these retreats distinguish from others. Most programs include:Preparation periods for the ceremonyMultiple Ayahuasca -CeremoniesIntegration sessionsExtra healing practicesGroup parts circlesPersonal consultation with healersChoose the right centerChoosing the right retreat center is the most vital decision you can make during your Ayahuasca trip. IJs research established that by 2019 at least 232 Ayahuasca Retreat Centers in Amazonic countries and Costa Rica were active that offered a variety of practices and service standards..ua8ed82cf62910444a306037696cea7c1 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ua8ed82cf62910444a306037696cea7c1:active, .ua8ed82cf62910444a306037696cea7c1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ua8ed82cf62910444a306037696cea7c1 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ua8ed82cf62910444a306037696cea7c1 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ua8ed82cf62910444a306037696cea7c1 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ua8ed82cf62910444a306037696cea7c1:hover .postTitle { text-decoration: underline!important; } See alsoThe Best And Essential Fall Boots For MenConsider these essential factors when making your choice:Safety protocols and medical screeningExperience and references of facilitatorsSize of ceremoniesLocation and accessibilitySupport services for IntegrationEarlier testimonies of the participantsCosts and duration of programsEssential preparation stepsA safe and meaningful experience is highly dependent on thorough preparation. Most renowned centers will offer detailed guidelines, but here are the fundamental aspects to consider:Physical preparationStart preparing your body at least two weeks before the retreat by:After the recommended dietary restrictionsAvoid alcohol and recreational drugsLimit caffeine -intakeStay hydratedGet enough restMental and emotional preparationEqually important is your psychological readiness:Set clear intentions for your tripPractice meditation or mindfulnessJournaal Your Thoughts And ExpectationsReduce stress and external obligationsIf possible, connect to previous participantsWhat to expect during ceremoniesKnowledge of the ceremonies structure helps to reduce anxiety before the event. Although each center has its unique approach, most ceremonies follow a similar pattern:Open rituals and bless spaceIndividual blessings and medicine administrationPeriod of silence when the effects beginCeremonial music (Icaros)Personal healing workGroup Sharing or Closing RitualsThe guided experience includes a period of 4-6 hours with trained facilitators that are available to offer help if necessary. The path of each individual through the medicine experience is separate from others because there is no correct method to communicate with it.Integration and aftercareAfter the ceremony ends, the work continues because many people look at the integration phase with equal importance for the ceremony itself. During this time, individuals assimilate their insights from experience in their daily routines.Main integration practicesSuccessful integration usually includes:Regular journaling and reflectionMaintaining a supporting daily routineConnect to integration circles or coachesMake gradual changes in lifestyleProcess emotions when they occurRemain connected to the retreat community.ua2812b809986daa4aa214633c83c7f04 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ua2812b809986daa4aa214633c83c7f04:active, .ua2812b809986daa4aa214633c83c7f04:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ua2812b809986daa4aa214633c83c7f04 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ua2812b809986daa4aa214633c83c7f04 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ua2812b809986daa4aa214633c83c7f04 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ua2812b809986daa4aa214633c83c7f04:hover .postTitle { text-decoration: underline!important; } See alsoEssential tips for returning to work after a long-term disabilityStructured integration programs that are now available in many centers in recent weeks or months after the retreat. These programs can be:Online group integration circlesOne-on-one integration coachingCommunity Support PlatformsFollow -up ceremonies or meetingsMeans for constant healing workMake a post-retreat planBefore leaving the retreat, you work with facilitators to make a practical integration plan that includes:Daily practices to maintain the connectionHealthy boundaries with work and relationshipsSpecific lifestyle changes to implementSource sources to gain accessTimeline for integration milestonesInsight into the ceremon roomThe environment where an Ayahuasca ceremony takes place has an influence on experience through both physical and energetic factors. Traditional ceremonies occur in specially built structures that are known as malocas that serve as safe and sacred containers for work.The traditional malocaThe Maloca serves various important functions:Creates a protected ceremonial environmentMaintains temperature and comfortOffers the right ventilationOffers space for personal processingLet ceremonial music resonateSupports traditional energetic cleaningCeremony protocolInsight into the basic storage protocol helps participants to navigate the experience with respect and safety:Come early to settle in spaceBring necessary comfort articles (blanket, pillow)Follow designated bathroom proceduresRespect physical boundariesTerms of silenceStay in designated areasPractical considerationsWhat to packEssential items for your retreat experience are:Comfortable, loose clothingLight layers for temperature changesNatural insect resistantBasic First Aid SuppliesJournal and Writing MaterialsMeditation cushion or supportReusable water bottleNatural toiletriesDIEET GUIDESMost centers require a specific diet (called Dieta ‘) before and after ceremonies:Avoid fermented foodEliminate processed sugarsNo alcohol or recreational drugsLimited or no saltNo red meatNo dairy productsNo spicy foodParticipants must start the Dieta preparation 2-4 weeks before the retreat and maintain it for several days after the end of the retreat. This cleaning process helps:Prepare the body for ceremonyImprove the medicine effectsReduce possible interactionsSupport emotional processingMaintain energetic clarityWho deepen the healing experience.ua706f5186f5dd94058f2199a0cd026df { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ua706f5186f5dd94058f2199a0cd026df:active, .ua706f5186f5dd94058f2199a0cd026df:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ua706f5186f5dd94058f2199a0cd026df { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ua706f5186f5dd94058f2199a0cd026df .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ua706f5186f5dd94058f2199a0cd026df .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ua706f5186f5dd94058f2199a0cd026df:hover .postTitle { text-decoration: underline!important; } See alsoEssential car insurance considerations for summerResearch and verificationDue diligenceAn extensive research process must precede each decision to participate in a retreat. The most important areas to investigate include:The operational history and reputation of the centerFacilitator -Backgrounds and ReferencesEarlier testimonies of the participantsSafety record and protocolsMedical screening processesIntegration support offersRed flags to pay attentionBe careful with centers or facilitators that:Promise wondersPressure quickly booking decisionsLack of transparent safety protocolsHave unclear screening processesShow limited integration supportOffer unusually low pricesCannot provide referencesQuestions to askImportant questions before booking include:Which medical screening is required?Who leads the ceremonies?What is the relationship between participant and facilitator?How are emergency situations treated?What integration support is offered?What is included in the costs?How are dietary restrictions housed?Last thoughts on your journeyDeciding to participate in a retreat from Ayahuasca requires thoughtful planning and deep preparation, while showing respect for conventional healing habits. The 62,000 participants registered in 2019 shows that people with the right guidance and preparation find a considerable value in this old practice.Every journey is in itself because there is no universal path that is suitable for every individual. Invest time in investigating and preparing the choice of your retreat center to ensure that it matches your personal requirements and principles. Emphasizing security measures together with respectful integration into tradition will set up for a rewarding experience.Essential collection restaurantsBefore you start your journey, make sure you:Extensive research carried out to choose a valued retreat centerAll necessary medical and psychological screening completedPhysically and mentally prepared for the experienceThen arranged the right support for integrationInsight into safety protocols and guidelinesRespect for the traditional and cultural aspectsWell -prepared Ayahuasca withdraws with the right guidance and integration support becomes a transforming journey to healing and spiritual progress.

The science behind Betterhelp: Insight into the results of digital therapy
Health 2025-12-25 17:57:11

The science behind Betterhelp: Insight into the results of digital therapy

ContentsClinical excellence in digital therapeutic careMeasuring therapeutic progress and involvementInnovation in the accessibility of mental healthAs digital therapy and mental health care are increasingly preventing, research continues to validate its effectiveness in providing professional therapeutic care. Betterhelp’s recent milestone of serving 5 million people worldwide Comes with mandatory clinical evidence that the impact of professional online therapy shows. Their report of platform quality and results from 2024 offers an unprecedented insight into how digital therapeutic approaches transform mental health care and offer data -driven validation of their methods and results.The dedication of the platform to measure and understand therapeutic results has produced impressive results, establishing new standards for transparency in the delivery of mental health care:72% of clients showed a significant symptom reduction within 12 weeks4.9/5 average satisfaction classification of more than 1.7 million session assessments82% of customers reported an improved well -being and daily functioning93% successfully corresponded to compatible therapists40% successfully involved in therapy for the first timeAverage matching -time of only 12 hours for new customersClinical excellence in digital therapeutic careDoes Betterhelp use real therapists?The therapeutic effectiveness of the platform starts with its rigorous professional standards. Each of the 35,000 licensed practitioners undergoes an extensive verification of references, background screening and must demonstrate considerable clinical experience. Betterhelp Counseling maintains the same high standards as traditional therapy institutions, so that clients receive support from qualified professionals in mental health care who specialize in digital therapeutic approaches..u8b2e102e65d932632cbc309b0d8a9588 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u8b2e102e65d932632cbc309b0d8a9588:active, .u8b2e102e65d932632cbc309b0d8a9588:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u8b2e102e65d932632cbc309b0d8a9588 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u8b2e102e65d932632cbc309b0d8a9588 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u8b2e102e65d932632cbc309b0d8a9588 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u8b2e102e65d932632cbc309b0d8a9588:hover .postTitle { text-decoration: underline!important; } See also8 ways to connect with your patient during a meditationThe Betterhelp -Dashboard facilitates Evidence-based therapeutic interventions via multiple channels. Whether it concerns video sessions, speech calls or text -based interactions, therapists can implement established therapeutic modalities and at the same time be adapted to the unique needs and communication approvals of each customer. This flexibility, instead of reducing therapeutic effectiveness, often improves involvement and results by meeting customers where they feel most at ease.Research indicates that this adjustable approach to therapy release can improve the therapeutic alliance – the crucial relationship between therapist and client who predicts positive results. The digital tools of the platform enable therapists to maintain consistent contact and support, creating a more continuous therapeutic experience than traditional weekly sessions alone.Measuring therapeutic progress and involvementInsight into therapeutic results requires advanced tracking and assessment instruments. The Betterhelp app contains validated clinical measures to follow the progress, so that both therapists and clients can follow improvement over time.Can you send your therapist a message on Betterhelp?Yes, and this continuous communication channel has proved particularly valuable for therapeutic involvement. Research indicates that the ability to process thoughts and feelings between sessions often improves the effectiveness of the treatment. The matching system of the platform shows remarkable precision when creating effective therapeutic relationships.How does Betterhelp come to a therapist?Through advanced algorithms that take into account clinical needs, therapeutic approaches and personal preferences, the platform reaches a success rate of 93% when matching the therapist-client. This careful attention for compatibility contributes considerably to positive therapeutic results.The effectiveness of this matching process is further validated by the high retention percentages of the platform and positive clinical results. Clients report that they understood and supported by their matching therapists, leading to stronger therapeutic alliances and better treatment involvement. The possibility to change therapists if necessary, without extra costs, ensures that customers can find the right fit for their specific needs and preferences..u70cc724a10c919326e150d9c3ebe832c { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u70cc724a10c919326e150d9c3ebe832c:active, .u70cc724a10c919326e150d9c3ebe832c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u70cc724a10c919326e150d9c3ebe832c { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u70cc724a10c919326e150d9c3ebe832c .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u70cc724a10c919326e150d9c3ebe832c .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u70cc724a10c919326e150d9c3ebe832c:hover .postTitle { text-decoration: underline!important; } See alsoThis heaven of digital nomads will impose large tourist taxes from 2026Innovation in the accessibility of mental healthWhile Betterhelp -prices (ranging from $ 65 to $ 100 weekly) Represents an investment in mental health, research indicates that digital platforms can provide cost -effective therapeutic benefits. The extensive character of the service – combining individual therapy, group support and digital sources – offers several paths to improvement. In 2024, the platform expanded its reach by donating $ 14 million to therapy services, allowing researchers to study results in different populations.The dedication of the accessibility platform goes beyond financial considerations. By eliminating geographical barriers and reducing waiting times, Betterhelp has made professional psychological support available for populations that may otherwise have trouble gaining access to care. The high percentage of the first therapy users (40%) suggests that tackling the platform effectively reduces the common barriers to the search for supporting mental health.Betterhelp reviews and clinical data consistently validate the approach of the platform of digital mental health care. The high satisfaction percentages for both first therapy users and people with previous therapeutic experience suggest that online delivery can effectively meet different needs in the field of mental health. Continuous monitoring of results and feedback from customers ensures continuous refinement of therapeutic approaches and platform functions.As mental health care continues to evolve, Betterhelp’s evidence-based approach and dedication offers valuable insights into the effectiveness of digital therapeutic interventions. Their success in serving 5 million customers while retaining high clinical standards shows that online platforms can effectively offer professional mental health care on a scale.

Luke Shaw suffers injury setback - with Man Utd star still yet to feature
Sports 2025-12-16 16:36:55

Luke Shaw suffers injury setback - with Man Utd star still yet to feature

Luke Shaw has suffered a setback in his recovery from injury with the Manchester United left back still yet to feature for the club this season.Shaw has not played for Man United since February after suffering from injury problems. Luke Shaw has suffered a setback in his recovery from injury with the Manchester United left back still yet to feature for the club this season. Shaw has not played for Man United since February after suffering from injury problems. He had returned to make three appearances for England at the European Championships in Germany, but sustained a calf problem ahead of the Premier League season with Man United. The left back was originally scheduled to return in September, before his comeback was pushed back until after the October international break. In his final press conference as Man United manager, prior to his sacking on Monday, Erik ten Hag revealed Shaw had suffered a setback. https://img.allfootballapp.com/www/M00/59/94/720x-/-/-/CgAGVWchDN-AUFiDAACF_XhvrhU729.jpg 'The process is not going as we expected, that's the truth,' Ten Hag said when previewing their Carabao Cup tie with Leicester. 'The setback - if you want to call it like this - but we want to do it very careful because when he is now dropping again we have made the wrong process. 'So we want to be very careful, we know his past. 'We have to do this right because we want him to be available because he will have a big impact on our performances and also on our levels. 'We can't have it where he plays for some games then drops out again, we will do it very careful.' Shaw's absence has left Man United without a recognised left back so far this season, with Tyrell Malacia having been absent for 17 months due to knee problems. Diogo Dalot and Noussair Mazraoui have been forced to deputise at left back in their absence. https://img.allfootballapp.com/www/M00/59/94/720x-/-/-/CgAGVmchDN6AciQhAACBt2tU-PY376.jpg Man United interim boss Ruud van Nistelrooy will have to decide who features at left back on Wednesday in their Carabao Cup tie with Leicester at Old Trafford. The match could be his only fixture in charge of the Red Devils. Man United are in talks to appoint Sporting Lisbon boss Ruben Amorim as head coach, with the hope he could be in place to lead the team against Chelsea in the Premier League on Sunday.

You can earn up to 5.00% APY in a high-yield savings account on Nov. 10, 2025
Personal Finance 2025-12-23 16:17:28

You can earn up to 5.00% APY in a high-yield savings account on Nov. 10, 2025

The best high-yield savings accounts offer annual percentage yields (APYs) that are well above average. Many of the top rates available on November 10, 2025 are above 4.00%, and one or two are still around 5.00%.Inflation rates have been edging higher and the U.S. economic outlook is cloudy. That means the Federal Reserve has held off on rate cuts for the past several months—but finally proceeded with the first rate cut of the year at its September meeting, citing slowing job gains. Then, the central bank made a second cut in October.While savings account APYs remained relatively stable during the first part of the year, they may well dip in light of the recent cuts, especially if financial institutions anticipate a third reduction when the Fed meets in December.Whether you’re looking for a better return on your savings, or just want to open a new account for a new financial goal,Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates available on November 10, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; 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} #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best savings account rates on November 10, 2025: Earn up to 5.00% APYThe best high-yield savings account rate of 5.00% can be found at Varo Money. Axos Bank and SoFi also offer highly competitive rates.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their savings. Here are the highest savings account rates:FDIC average national deposit rates January 2020 to presentChoosing a high-yield savings account guarantees that you can beat the low average rates offered by most savings institutions in the U.S. The national average savings rate right now is 0.40%. This is down from 0.47% in March 2024, months before the Fed reduced interest rates in late 2024.High-yield savings account news in 2025The Fed’s decision to lower interest rates last year had an immediate impact on savings accounts. Average savings rates tend to follow the lead of the federal funds rate: When the Fed raises its benchmark rate, banks generally raise APYs on savings accounts to remain competitive. Conversely, when the central bank cuts rates, savings account yields decline.Just keep in mind that while this correlation is true for average rates, individual banks decide to raise or lower their savings account APYs based on a variety of factors beyond just Fed rates. These include their own financial goals, promotions for attracting new customers, and other market conditions. Beware, banks can change your savings account APY at any time, for any reason.The Fed cut the federal funds rate three times in Q4 of 2024, reducing it to 4.25%-4.50%. Then, it reduced the rate by a quarter percentage point each time at its September and October 2025 meetings, to where it currently stands at 3.75%-4.00%.Banks may have incentive to reduce their APYs in light of this and the possibility of one additional cut when the Fed meets in DecemberWhy should you choose a high-yield savings account?To be clear, there’s no such thing as a special class of bank accounts called “high-yield savings accounts.” There’s simply a group of U.S. financial institutions that tend to offer savings account rates that are much higher than the industry average. Financial experts call them high-yield savings accounts.For example, while the average savings rate in the U.S. is 0.40%, many high-yield savings accounts offer rates above 4.00%—that’s something like 10 times the average rate.Banks that offer conventional savings accounts with lower rates tend to have bricks-and-mortar branch networks and offer a full suite of deposit and lending products. Meanwhile, institutions that offer high-yield savings accounts are typically online banks with a very limited menu of other banking products and no access to physical branches.People who want the highest possible returns on their savings should opt for a high-yield savings account. They often have no minimum balance requirements or monthly fees, making them an ideal choice for your emergency fund or short-term financial goals. Online banks are insured by the Federal Deposit Insurance Corp. (FDIC), providing the same protection as conventional banks.Before choosing a savings account, consider the following factors:Interest rates:Look for competitive APYs to maximize your earnings.Low or no minimums:Many high-yield accounts have no minimum balance requirements.No monthly fees:Avoid accounts with monthly maintenance fees that can eat into your savings.Accessibility of funds:Ensure you can easily withdraw or transfer money when needed—some banks have withdrawal limits and charge fees for foreign ATMs.Security and insurance:Verify that the account is FDIC-insured.No matter what type of savings account you hold, you can expect to pay taxes on any interest you earn.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; 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font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; 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} #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsHow often do APYs on high-yield savings accounts change?There’s no set answer for how often the rate on your high-yield savings account may change. In short, your bank or credit union can change it at their discretion. However, it’s typically a useful rule of thumb that when the Federal Reserve raises or lowers its benchmark federal funds rate, financial institutions are likely to increase or decrease the rates they offer consumers accordingly.Should I switch banks if I find a savings account with a higher rate?The brief answer is “maybe.” There isn’t a limit to the number of savings accounts you can have at different institutions. But, keep in mind there may be a minimum deposit requirement to earn an account’s max APY. You’ll also want to evaluate how dramatic the difference in rate is and whether the increased interest you’d earn is worth the effort to make the change.For example, depositing $1,000 in an account with a 4% APY and leaving it there for a year without additional deposits might earn you approximately $39.98 in interest. If the same account had a 4.5% APY, you might earn $44.98 under the same circumstances.How easy is it to withdraw money from a HYSA?This can vary by institution. But in general, many banks will let you link external accounts digitally, so initiating a transfer should be something you can do with a few clicks. Note that while it’s not a federal restriction any longer, a lot of institutions still enforce the cap of six withdrawals from your savings account per statement cycle.Should I choose an online-only bank for my HYSA?Because they’re able to keep costs associated with brick-and-mortar locations down, an online-only bank might be able to offer a higher APY than you’re likely to find elsewhere. For that reason, they’re well worth considering when you’re shopping around for a high-yield savings account.Can I lose money in a high-yield savings account?Before you open an account, make sure your savings will be insured by the Federal Deposit Insurance Corporation (FDIC) if the account is with a bank or the National Credit Union Administration (NCUA) if the account is at a credit union. That should protect you against losing money.It’s also worth noting that money in a savings account is not at risk of a loss in the same way as money invested in the stock market. However, your money could still lose purchasing power if inflation outpaces your account’s APY.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Are you stressed about wedding planning? A wellness bachelor trip could be the solution
Health 2026-01-09 03:35:41

Are you stressed about wedding planning? A wellness bachelor trip could be the solution

ContentsWhy you need a wellness bachelor tripEscape the daily routineEnjoy a digital detoxCharging before your weddingCreate unforgettable experiences5 relaxing locations for your bachelor party1. Sedona, Ariz2. Vail, CO3. Las Vegas, Nevada4. Lanai, Hawaii5. Truth or Consequences, New MexicoRest and relax with your bridesmaidsMany people think that the perfect bachelorette trip involves partying late into the night. If you’re overwhelmed by your pre-wedding to-do list, you may prefer a more relaxed celebration. A wellness bachelorette trip may be unconventional, but it offers rejuvenating benefits and a break from the pressures of wedding planning. Find out why this is the ideal pre-wedding event for you.Why you need a wellness bachelor tripSometimes a restful vacation with your best friends is all you need to de-stress. This is why a wellness bachelorette getaway is the right choice for you.Escape the daily routinePlanning a wedding takes a lot of work. When you add your corporate job, household chores, and errands to your list of obligations, you probably feel like there isn’t enough time to relax. A wellness getaway with your team is the perfect opportunity to take a break from the endless pre-wedding to-do lists and stress. After the trip you will return more concentrated and calmer.Enjoy a digital detoxA wellness retreat invites you to disconnect from the digital world, so that you no longer have to constantly check your phone. Disconnect has exceptional health benefitssuch as better sleep quality and reduced stress levels. It also allows you to be fully present in the moment and engage with your girls without distraction..ubff5437489ef689b043e88d9e908ae16 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ubff5437489ef689b043e88d9e908ae16:active, .ubff5437489ef689b043e88d9e908ae16:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ubff5437489ef689b043e88d9e908ae16 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ubff5437489ef689b043e88d9e908ae16 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ubff5437489ef689b043e88d9e908ae16 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ubff5437489ef689b043e88d9e908ae16:hover .postTitle { text-decoration: underline!important; } See alsoA step-by-step guide to successCharging before your weddingA relaxing tour gives you time to fill your own cup so you can look and feel your best on your wedding day. Take part in hobbies you enjoy or discover new activities with your best friends for a fulfilling experience.Create unforgettable experiencesHen parties often involve late night drinking and dancing, leaving you exhausted the next day. A wellness trip offers the opposite: it gives you energy for the next few days, and if you spend it with your girls, it’s worth it. There will be no hangovers and sleepless nights – just precious moments to relax through spa treatments and mindfulness exercises.5 relaxing locations for your bachelor partyRejuvenate your body and mind in the days before your wedding at one of the following locations.1. Sedona, ArizSedona is an outdoorsy brides-to-be’s dream. Hike through the red rock formations or experience off-roading with a Pink Jeep tour. The city is a hub of spas with stunning views, such as the Wilde Resort and Spa, Mii amo, and L’Auberge de Sedona. Visit Slide Rock State Park access to sacred vortex locations which are believed to enhance your spiritual growth.2. Vail, COVail is an excellent destination for a serene bachelor party in the mountains. It is a famous winter spot that offers breathtaking scenery all year round. Your crew can do that take advantage of discount rates during the shoulder season, even at luxury resorts like Four Seasons Resort Vail.3. Las Vegas, NevadaLas Vegas is more than just a vibrant nightlife. It has a thriving fitness and wellness scene that is worth checking out. Visit Spa at Encore for a spa-themed slumber party, Sweat60 at the Cosmopolitan for a bootcamp-style class, or Dolphin Yoga at The Mirage to practice yoga with dolphins..uf3b235318c9199a9250d6827fda86579 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uf3b235318c9199a9250d6827fda86579:active, .uf3b235318c9199a9250d6827fda86579:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uf3b235318c9199a9250d6827fda86579 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uf3b235318c9199a9250d6827fda86579 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uf3b235318c9199a9250d6827fda86579 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uf3b235318c9199a9250d6827fda86579:hover .postTitle { text-decoration: underline!important; } See also3 Wellness Shots To Start Your Day Right, Courtesy Of NutritionistsJust because you’re having a wellness bachelor party doesn’t mean you can’t visit famous tourist spots. Enjoy a show at the Fountains of Bellagio after a day of invigorating activities with your girls. The show happens every 30 minutes and has been dazzling visitors since 1998. Find a comfortable seat to sit and watch with your bridesmaids.4. Lanai, HawaiiIf you and your team desire an international getaway, visit Lanai in Hawaii. This island in Maui offers an oasis of tranquility where you and your girls can be one with nature. The Sensei Lanai is a Four Seasons Resort and offers nurturing activities such as guided meditations, yoga sessions and farm-to-table dining. You can also enjoy beachside picnics, epic hiking trails and horseback riding.Be sure to bring reef-safe sunscreen. Hawaii has banned chemicals such as octinoxate and oxybenzone that can damage native coral reefs.5. Truth or Consequences, New MexicoThis city has an unconventional name and approach to wellness. Enjoy natural hot springs and immerse yourself in the beauty of nature. Spend a peaceful weekend at Blackstone Hotsprings Lodging & Baths for luxurious activities and accommodations. For a more immersive experience, head to Riverbend Hot Springs near Rio Grande and sleep in an RV.Rest and relax with your bridesmaidsYou and your team deserve a fun and relaxing pre-wedding celebration. It’s an opportunity to prioritize stress reduction and self-care, especially if you’re just days away from saying “I do.” So ditch the late-night drinks and dancing and enjoy some well-deserved relaxation.

Mikel Arteta provides updates on three Gunners stars
Sports 2026-01-05 06:30:18

Mikel Arteta provides updates on three Gunners stars

Mikel Arteta has been handed a triple injury boost ahead of a gruelling run of away games while the Arsenal boss is considering giving another teenage goalkeeper his debut.Defensive duo Gabriel and Justin Timber both limped off during Arsenal's draw against Liverpool on Sunday while Gunners captain Martin Odegaard has been out with an ankle injury since September. Mikel Arteta has been handed a triple injury boost ahead of a gruelling run of away games while the Arsenal boss is considering giving another teenage goalkeeper his debut. Defensive duo Gabriel and Justin Timber both limped off during Arsenal's draw against Liverpool on Sunday while Gunners captain Martin Odegaard has been out with an ankle injury since September. Arteta was positive about his key trio ahead of four away trips starting at Preston in the League Cup on Wednesday before clashes at Newcastle, Inter Milan and Chelsea. 'We are still assessing Gabriel but it doesn't look bad at all,' said Arteta. 'He was much better the next day so hopefully he will be fine. He has had some tests. 'Jurrien is fine. He was very tired, he had been out for a while and could not continue the game but there is no new injury there at all. He could not continue so we decided to make a very safe call. But he was fine.' Mail Sport revealed that Odegaard was ramping up his recovery and due to return to training on the grass this week and Arteta confirmed he was hopeful his skipper would return before the international break. 'He's been on the grass for a few weeks, but there is still a few boxes to tick,' he added. 'How fast we can do that last stage of the rehab is a question we'll have to answer once we have players around him and he starts competing with the team. He hasn't done that yet.' There was, however, bad news for Riccardo Caliafiori who looks set to be sidelined for ‘a few weeks’ after his injury against Shakhtar Donetsk. Arteta is considering handing a debut to young goalkeeper Tommy Setford at Deepdale on Wednesday night. The Ajax academy product, whose brother Charlie also plays for the Dutch side and whose father Chris is a professional golfer, joined in the summer only to miss most of the season with a hip injury. If he is to play, it will be the second round in a row that Arteta has fielded a young keeper after Jack Porter started against Bolton in their previous game. 'We brought Tommy because we know he's got the qualities we're looking for with our goalkeeping area,' said Arteta. 'Unfortunately he's been injured so he hasn't really played. 'It's not a question about age, it's that if they play it's because they deserve to the same as the rest of the players. 'At the end of the day we have to reward the people who, each day, they behave in a certain manner and they have the level to play in the manner we want to play in and if that is the case, I don't care if they are players from the academy, youth players or seniors, they will play.'

The first step to overcome addiction
Health 2025-12-25 05:37:17

The first step to overcome addiction

ContentsProfessional guidance offers a clear path to recoverySupport systems strengthen the motivation and accountabilityAccess to resources makes recovery more effectiveBreak the cycle of insulation and shameTreat medical and psychological support deeper problemsSeeking help restores hope and self -esteemOvercoming addiction is a journey that requires strength, courage and, especially, support. Many people struggle in silence, fear or believe that she can only handle it. However, seeking help is not a sign of weakness – it is the first and most powerful step in the direction of recovery.Whether it concerns professional treatment, counseling or the support of loved ones, reaching the base creates the basis for permanent change. It opens doors for guidance, accountability and sources that make the recovery process smoother and more effective.Addiction thrives separately, but healing is done in connection. By recognizing the need for help, individuals take control of their lives and set themselves on a road to hope and transformation. Here are six compelling reasons why seeking help is the key to breaking off addiction.Professional guidance offers a clear path to recoveryOvercoming addiction is not just about stopping a substance – it requires tackling the underlying causes, triggers and emotional struggles that feed the cycle. By seeking help from trained professionals, such as therapists, counselors or addiction specialists, ensures that individuals receive structured guidance that are tailored to their specific needs. These experts use evidence-based methods such as Cognitive Behavioral Therapy (CBT)Motivational interviews and medication-assisted treatment (MAT) to draw up a personalized recovery plan..ude53cd7c9bc0f54a7a579ca2fb3f2d3e { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ude53cd7c9bc0f54a7a579ca2fb3f2d3e:active, .ude53cd7c9bc0f54a7a579ca2fb3f2d3e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ude53cd7c9bc0f54a7a579ca2fb3f2d3e { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ude53cd7c9bc0f54a7a579ca2fb3f2d3e .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ude53cd7c9bc0f54a7a579ca2fb3f2d3e .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ude53cd7c9bc0f54a7a579ca2fb3f2d3e:hover .postTitle { text-decoration: underline!important; } See alsoHow to recognize the signs of addiction and seek help in LondonProfessional help also offers crucial insights into relapse prevention, so that individuals can develop healthier coping mechanisms. By working with experts, those who struggle with addiction are given clarity, accountability and the necessary tools to build a sustainable, addiction -free life.Support systems strengthen the motivation and accountabilityAddiction often thrives in confidentiality, making it easy to fall into denial or fall back without external accountability. By seeking help, individuals connects with supporting networks – whether through family, friends, pear support groups or recovery programs for addictions. These support systems offer encouragement, motivation and a sense of solidarity that are essential for long -term recovery.When individuals know that others are invested in their success, they remain dedicated to their austerity goals. In addition, accountability partners can help recognize early warning signals of relapse and offer intervention before things get out of hand. A strong support system transforms the recovery journey from an insulating battle into a shared effort for healing.Access to resources makes recovery more effectiveMany people who struggle with addiction do not know where to start or what resources are available to help them. In search of help, the door opens to critical recovery aids, including rehabilitation centers, hotlines, detox programs and therapy options.These sources make a considerable difference by providing structured, professional help in different stages of the recovery process. For example by using the National hotline for substance abuseYou can get free and confidential help, including immediate guidance and references to the best available treatment options. Such resources enable individuals to take control of their recovery with expert support, so that they do not only have to navigate this challenging journey..u07a2c81e6598ba24d87da89bc6b31243 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u07a2c81e6598ba24d87da89bc6b31243:active, .u07a2c81e6598ba24d87da89bc6b31243:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u07a2c81e6598ba24d87da89bc6b31243 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u07a2c81e6598ba24d87da89bc6b31243 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u07a2c81e6598ba24d87da89bc6b31243 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u07a2c81e6598ba24d87da89bc6b31243:hover .postTitle { text-decoration: underline!important; } See also4 Approaches to Successful Depression ManagementBreak the cycle of insulation and shameOne of the biggest barriers for looking for help is the shame and the stigma around addiction. Many individuals feel rated or fear rejection of society, so that they cannot reach themselves. However, insulation only feeds the addiction cycle, making it more difficult to break loose. By seeking help creates the opportunity to share struggles with understanding professionals or peer support groups that offer a safe, non -judgmental space.Recognizing the problem and talking about it with others reduces feelings of loneliness and promotes a sense of connection. Recovery is not about punishment or debt it is about healing and self-improvement. Taking that first step to seek support shifts the focus from shame to empowerment.Treat medical and psychological support deeper problemsAddiction is not just a behavioral problem; It often has deep -rooted psychological, emotional and even biological components. Many individuals struggle with simultaneously occurring psychological disorders such as depression, fear or PTSD, which contribute to their addiction. The search for professional help ensures that both addiction and underlying psychological disorders are treated at the same time, improving the opportunities for long -term recovery.Medical professionals can also help with withdrawal symptoms, making detox safer and more manageable. Without the right treatment, individuals run the risk of falling into repeated relapse cycles. Tackling both the physical and mental aspects of addiction through professional intervention significantly increases the chance of achieving permanent austerity.Seeking help restores hope and self -esteemAddiction often berves the trust, relationships and feeling of the goal of a person. Many people fighting addiction Feel trapped and believe that recovery is out of their reach. However, searching for help Reignites Hope by showing that change is possible with the right support. Professional treatment programs and support groups offer encouragement, success stories and feasible recovery goals that help rebuild self -esteem..ufc157b1e4503fe688ede84a1e7464f3f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ufc157b1e4503fe688ede84a1e7464f3f:active, .ufc157b1e4503fe688ede84a1e7464f3f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ufc157b1e4503fe688ede84a1e7464f3f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ufc157b1e4503fe688ede84a1e7464f3f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ufc157b1e4503fe688ede84a1e7464f3f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ufc157b1e4503fe688ede84a1e7464f3f:hover .postTitle { text-decoration: underline!important; } See alsoMental health and addiction recovery: Coping with anxiety and depressionAs individuals make progress, they get faith in their ability to live a satisfactory, addiction -free life. Taking that first step to seek help for overcoming addiction is a powerful act of self -care that marks the start of a new, healthier chapter. Recovery is possible and seeking help is the key to unlock that transformation.Seeking help is the first and most crucial step to overcome addiction. It offers professional guidance, access to essential resources and the support needed to separate from the cycle of insulation and shame. Recovery is not intended to be confronted alone – the right people, medical care and encouragement make the journey more manageable and effective. By contacting, regaining individuals control over their lives, they repair their self -esteem and build up a healthier future. No matter how difficult it seems, change is possible. That first step in the direction of help is a powerful act of courage that leads to lasting transformation.

How luggage storage with bounce improves your journey and well -being
Health 2025-12-24 12:59:11

How luggage storage with bounce improves your journey and well -being

ContentsSafe baggage storageAffordable and handyEasy online booking and immediate confirmationBounce’s impact on travel and well -beingHow Bounce improves your experienceWhile traveling, whether it is a quick outing or an extensive adventure, the last thing you want is to be weighed by heavy bags. Luggage storage with Bounce has triggered a revolution in the way travelers explore cities around the world and offer a handy, safe and affordable way to save your bags and experience destinations Handsfree. With more than 15,000 locations in 100 countries and more than 4,000 cities worldwide, Bounce is the world’s largest baggage storage network, familiar by more than 2 million travelers.Bounce offers an easy and efficient solution for travelers who have to store their luggage for a few hours, a day or even several days. Whether you spend a day exploring a new city in the US or are on your way to a museum before you catch your flight, the storage locations of Bounce are strategically placed in important places around large cities, from airports and train stations to local cafes And shops. In the US, travelers can enjoy this flexibility and ensure that their time is maximized without the burden of lugging around heavy suitcases or bags.Safe baggage storageBounce understands the importance of keeping your assets safe. That is why the company offers extensive protection of up to $ 10,000 for your bags when it is stored at one of their locations. With Bounce you can be sure that your luggage is stored in a safe environment while you continue your day with peace of mind. The process is simple: you can easily book your storage online, turn off your bags at the location you have chosen and set off..ub5de5fee568bb6eb86885632da7d2400 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ub5de5fee568bb6eb86885632da7d2400:active, .ub5de5fee568bb6eb86885632da7d2400:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ub5de5fee568bb6eb86885632da7d2400 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ub5de5fee568bb6eb86885632da7d2400 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ub5de5fee568bb6eb86885632da7d2400 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ub5de5fee568bb6eb86885632da7d2400:hover .postTitle { text-decoration: underline!important; } See alsoA journey to sobriety and personal transformationIn addition to security, Bounce ensures that the storage facilities are easily accessible. Many of their locations offer 24/7 access, which is perfect for people with late or early flights, or anyone who wants to benefit from a full day of sightseeing. With this 24-hour flexibility you can explore the city at your own pace, knowing that your assets are stored safely.Affordable and handyTraveling can be expensive, so Bounce offers affordable storage solutions for all types of travelers. With prices that are as low as a few dollars a day, you can save your luggage without breaking the bank. Whether you just go through a city or stay for a longer period, the rates of Bounce are designed to match every budget. The possibility to change or cancel your booking at any time before you cancel your bags means that you have full control over your travel plans without added stress.Easy online booking and immediate confirmationBooking luggage storage with bounce can not be easier. Through their user-friendly website or mobile app you can easily find a storage location nearby, select your drop-off time and pay your reservation all in just a few minutes. After you have completed your reservation, you will receive an immediate confirmation that you can easily show when you drop your bags in the designated store. No paperwork, no hassle – just a fast and simple process to guarantee a seamless travel experience.Bounce’s impact on travel and well -beingBy offering this invaluable service, Bounce not only improves the convenience of travel, but also the well -being of its customers. Wearing heavy luggage around can be tiring and stressful, which leads to discomfort and missed opportunities. With the Bounce storage options, travelers can leave their worries and explore the city with a new feeling of freedom and joy..uad27e501855ad7aef381eea6e5c65965 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uad27e501855ad7aef381eea6e5c65965:active, .uad27e501855ad7aef381eea6e5c65965:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uad27e501855ad7aef381eea6e5c65965 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uad27e501855ad7aef381eea6e5c65965 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uad27e501855ad7aef381eea6e5c65965 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uad27e501855ad7aef381eea6e5c65965:hover .postTitle { text-decoration: underline!important; } See alsoEssential life lessons learned through travelWithout the burden of luggage, travelers can enjoy their journey with more peace of mind. Whether it is a meal in a local restaurant, visit a museum or take a walk through a park, you can completely immerse yourself in the experience without the stress of managing your bags. The service of Bounce enables travelers to get the best every moment, knowing that their luggage is safe.How Bounce improves your experienceBounce not only makes your journeys more fun, but it also improves your overall well -being by offering a stress -free storage solution. With Bounce you can get the most out of your time. With flexible storage options, security and affordability, you have more time and energy to explore everything, discover and enjoy everything the world has to offer.Don’t forget the next time you prepare for a trip, Bounce Bounce for all your luggage storage needs. Say goodbye to the stress of wearing heavy bags and hello to carefree exploration. With bounce, your journeys will be more fun, easier and, more importantly, more memorable.

Current mortgage rates report for Nov. 4, 2025: Rates hold steady
Personal Finance 2025-12-31 05:15:21

Current mortgage rates report for Nov. 4, 2025: Rates hold steady

The average interest rate for a 30-year, fixed-rate conforming mortgage loan in the U.S. is 6.156%, according to data available from mortgage data company Optimal Blue. That’s down approximately 2 basis points from the prior day’s report, and almost unchanged from a week ago. Read on to compare average rates for a variety of conventional and government-backed mortgage types and see whether rates have increased or decreased.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current mortgage rates data:30-year conventionalCurrent rate6.156%One week ago6.155%One month ago6.253%30-year jumboCurrent rate6.358%One week ago6.531%One month ago6.593%30-year FHACurrent rate6.043%One week ago6.114%One month ago6.120%30-year VACurrent rate5.670%One week ago5.726%One month ago5.802%30-year USDACurrent rate6.064%One week ago5.999%One month ago6.155%15-year conventionalCurrent rate5.354%One week ago5.389%One month ago5.604%Note thatFortunereviewed Optimal Blue’s latest available data on Nov. 3, with the numbers reflecting home loans locked in as of Oct. 31. What’s happening with mortgage rates in the market?If it seems like 30-year mortgage rates have been hovering around 7% for an eternity, that’s not far off the mark. Many watching the market anticipated rates would ease when the Federal Reserve began reducing the federal funds rate last year, but that didn’t occur. There was a short-lived decline leading up to the September 2024 Fed meeting, but rates quickly rebounded afterward.In fact, by January 2025 the average rate for a 30-year, fixed-rate mortgage exceeded 7% for the first time since last May, according to Freddie Mac statistics. That’s a significant increase from the record-low average of 2.65% observed in January 2021, when the government was still attempting to boost the economy and prevent a pandemic-induced downturn.Barring another major crisis, experts say we won’t have mortgage rates in the 2% to 3% range again in our lifetimes. And, with a cloudy economic outlook as President Donald Trump pursues policies including tariffs and deportations, some analysts have worried the labor market could constrict and inflation could resurface. In this climate, U.S. homebuyers have long faced faced with high mortgage rates—though some found methods to make their purchase more manageable, such as negotiating rate buydowns with a builder when buying newly constructed homes.Those looking to buy a home or refinance a mortgage did get some cause for joy in late August and early September of 2025. Ahead of the Fed’s Sept. 16-17 meeting, mortgage rates started trending noticeably downward, hitting a low not seen in almost a year. As expected, the Fed delivered a quarter percentage point reduction in the federal funds rate at that meeting.Mortgage rates also inched down a bit going into the Fed’s Oct. 28-29 meeting, at which the central bank made another quarter percentage point cut to the federal funds rate.How to get the best mortgage rate you canWhile economic conditions are beyond your control, your financial profile as an applicant also has a substantial impact on the mortgage rate you’re offered. With that in mind, aim to do the following:Ensure your credit is in excellent condition.The minimum credit score for a conventional mortgage is generally 620 (for FHA loans, you may qualify with a score of 580 or a score as low as 500 with a 10% down payment). However, if you’re hoping to get a low rate that could potentially save you five or even six figures in interest over the life of your loan, you’ll want a score considerably higher. Consider that according to lender Blue Water Mortgage, a top-tier score is one of 740 or higher.Maintain a low debt-to-income (DTI) ratio.You can calculate your DTI by dividing your monthly debt payments by your gross monthly income, then multiplying by 100. For example, someone with a $3,000 monthly income and $750 in monthly debt payments has a 25% DTI. When applying for a mortgage, it’s typically best to have a DTI of 36% or below, though you may be approved with a DTI as high as 43%.Get prequalified with multiple lenders.Consider trying a mix of large banks, local credit unions, and online lenders and compare offers. Additionally, connecting with loan officers at several different institutions can help you evaluate what you’re looking for in a lender and which one will best meet your needs. Just ensure that when you’re comparing rates, you’re doing so in a consistent way—if one estimate involves purchasing mortgage discount points and another doesn’t, it’s important to recognize there’s an upfront cost for buying down your rate with points.Mortgage interest rates historical chartSome context for the discussion about high mortgage rates is that rates in the vicinity of 7% feel high because rates in the range of 2% to 3% are still a fairly recent memory. Those rates were possible due to unprecedented government action aimed at preventing recession as the country grappled with a global pandemic.However, under more typical economic conditions, experts agree we’re unlikely to see such exceptionally low interest rates again. Historically, rates around 7% are not unusually high.Consider this St. Louis Fed (FRED) chart tracking Freddie Mac data on the 30-year, fixed-rate mortgage average. From the 1970s through the 1990s, such rates were more or less the norm, with a significant spike in the early 1980s. In fact, September, October, and November of 1981 all saw mortgage interest rates exceeding 18%.Of course, this historical perspective offers little consolation to homeowners who may want to move but are locked in with a once-in-a-lifetime low interest rate. Such situations are common enough in the current market that low pandemic-era rates keeping homeowners from moving when they otherwise would have become known as the “golden handcuffs.”Factors that impact mortgage interest ratesThe health of the U.S. economy is probably the biggest driver of mortgage rates. When lenders worry about inflation, they can bump up rates to protect their profits down the road.And on a related note, the national debt is another big factor. When the government spends more than it takes in and has to borrow, that can push interest rates higher.Demand for home loans matters too. When demand is low, lenders might drop rates to attract business. But if lots of people are seeking mortgages, lenders might raise rates to handle the extra processing work.The Federal Reserve also plays a key role, and can influence mortgage rates by changing the federal funds rate and by buying or selling assets.Much is made of changes to the federal funds rate. When it goes up or down, mortgage rates often follow suit. But it’s crucial to understand the Fed doesn’t set mortgage rates directly, and they don’t always move in perfect sync with the fed funds rate.The Fed also influences mortgage rates by means of its balance sheet. During tough economic times, it can buy assets like mortgage-backed securities (MBS) to pump money into the economy.But lately, the Fed has been shrinking its balance sheet, letting assets mature without replacing them. This tends to push mortgage rates up. So while everyone watches for cuts to the fed funds rate, what the central bank does with its balance sheet might matter even more for the mortgage rate you might get offered. Why it’s important to compare mortgage ratesComparing rates on different types of loans and shopping around with various lenders are both essential steps in obtaining the best mortgage for your situation.If your credit is excellent, opting for a conventional mortgage might be the right choice for you. However, if your score is below 600, an FHA loan may provide an opportunity where a conventional loan would not.When it comes to exploring options with different banks, credit unions, and online lenders, it can make a significant difference in your overall costs. Freddie Mac research indicates that in a market with high interest rates, homebuyers may be able to save $600 to $1,200 annually if they apply with multiple mortgage lenders.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

You can earn up to 5.00% APY in a high-yield savings account on Nov. 3, 2025
Personal Finance 2026-01-04 14:51:42

You can earn up to 5.00% APY in a high-yield savings account on Nov. 3, 2025

The best high-yield savings accounts offer annual percentage yields (APYs) that are well above average. Many of the top rates available on November 3, 2025 are above 4.00%, and one or two are still around 5.00%.Inflation rates have been edging higher and the U.S. economic outlook is cloudy. That means the Federal Reserve has held off on rate cuts for the past several months—but finally proceeded with the first rate cut of the year at its September meeting, citing slowing job gains. While savings account APYs remained relatively stable during the first part of the year, they may well dip in light of the cut, especially if financial institutions anticipate additional cuts when the Fed meets in October and December.Whether you’re looking for a better return on your savings, or just want to open a new account for a new financial goal,Fortunehas partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates available on November 3, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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} #QPKmTjJhYRmPIgND .shArrow { width: 12px; height: 7px; } #QPKmTjJhYRmPIgND span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #QPKmTjJhYRmPIgND .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #QPKmTjJhYRmPIgND .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #QPKmTjJhYRmPIgND #see_more_carrier, #QPKmTjJhYRmPIgND .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #QPKmTjJhYRmPIgND .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #QPKmTjJhYRmPIgND .apy-label p { margin-top: 0px; margin-bottom: 0px; } #QPKmTjJhYRmPIgND .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #QPKmTjJhYRmPIgND { padding: 0 26px; } #QPKmTjJhYRmPIgND .logo-image-wrapper { width: 136px; } #QPKmTjJhYRmPIgND .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #QPKmTjJhYRmPIgND .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #QPKmTjJhYRmPIgND .prop-value-container .apy-container { flex: 0 0 44%; } #QPKmTjJhYRmPIgND .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND .prop-value-container .minvalue-container { flex: 0 0 28%; } #QPKmTjJhYRmPIgND .ad-copy-top-section { margin-bottom: 15px; } #QPKmTjJhYRmPIgND .sh-row-product-title { max-width: 136px; } #QPKmTjJhYRmPIgND .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #QPKmTjJhYRmPIgND .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #QPKmTjJhYRmPIgND .logo-image-wrapper { width: 100%; max-width: 292px; } #QPKmTjJhYRmPIgND .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #QPKmTjJhYRmPIgND .ad-copy { margin-left: 0; } #QPKmTjJhYRmPIgND .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #QPKmTjJhYRmPIgND .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #QPKmTjJhYRmPIgND .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #QPKmTjJhYRmPIgND .see-more-text { padding: 16px 15px; } #QPKmTjJhYRmPIgND .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #QPKmTjJhYRmPIgND .top-section-right { margin-left: 0px; } #QPKmTjJhYRmPIgND .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #QPKmTjJhYRmPIgND.sizeone .header-section { padding: 6px 10px; } } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .row-1 { padding-left: 14px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .listing-title, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .shmktpl-button, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .prop-value-container .apy-container, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .prop-value-container .mfee-container, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .prop-value-container .mfee-container #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .prop-value-container .minvalue-container, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .sh-row-product-title, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .disclosure-content ul li, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box750.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box800.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box850.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box900.device-desktop .ad-copy-top-section, #QPKmTjJhYRmPIgND.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #QPKmTjJhYRmPIgND.sh-box650.device-desktop .row-1, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .row-1 , #QPKmTjJhYRmPIgND.sh-box650.device-desktop .row-2, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .row-2 , #QPKmTjJhYRmPIgND.sh-box500.device-desktop .row-1, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .row-1 , #QPKmTjJhYRmPIgND.sh-box500.device-desktop .row-2, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .row-2{ display: unset; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .ad-copy, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .apy-label, #QPKmTjJhYRmPIgND.sh-box650.device-desktop .prop-value, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .prop-value, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .prop-value, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box700.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box550.device-desktop .logo-image-wrapper, #QPKmTjJhYRmPIgND.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #QPKmTjJhYRmPIgND.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#QPKmTjJhYRmPIgND.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#QPKmTjJhYRmPIgND.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#QPKmTjJhYRmPIgND.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #QPKmTjJhYRmPIgND .shmktpl-title, #QPKmTjJhYRmPIgND .sub-heading-container, #QPKmTjJhYRmPIgND .filter-check-options-cntnr, #QPKmTjJhYRmPIgND .listing-header-cntnr { display: none; } #QPKmTjJhYRmPIgND.title .shmktpl-title, #QPKmTjJhYRmPIgND.subHeading .sub-heading-container, #QPKmTjJhYRmPIgND.multiSelectFilter .filter-check-options-cntnr, #QPKmTjJhYRmPIgND.resultsText .listing-header-cntnr { display: flex; } #QPKmTjJhYRmPIgND.sizeone .add-overlay-content { width: 62%; height: auto; } #QPKmTjJhYRmPIgND.sizeone .disclosure-title { padding: 6px 0px; } #QPKmTjJhYRmPIgND.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #QPKmTjJhYRmPIgND .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #QPKmTjJhYRmPIgND.sizeone .title-container { margin-top: 0; } #QPKmTjJhYRmPIgND.sizeone .non_featured_list { margin-top: 0; } #QPKmTjJhYRmPIgND.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #QPKmTjJhYRmPIgND.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #QPKmTjJhYRmPIgND .item { flex: 1 1 calc(50% - 48px); } #QPKmTjJhYRmPIgND .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #QPKmTjJhYRmPIgND .item:nth-of-type(4n+3), #QPKmTjJhYRmPIgND .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #QPKmTjJhYRmPIgND .item:nth-of-type(4n+1), #QPKmTjJhYRmPIgND .item:nth-of-type(4n+1) + * { background-color: #fff; } #QPKmTjJhYRmPIgND .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #QPKmTjJhYRmPIgND .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #QPKmTjJhYRmPIgND .desktop, #QPKmTjJhYRmPIgND .desktop-inline { display: none; } #QPKmTjJhYRmPIgND .mobile { display: block !important; } #QPKmTjJhYRmPIgND { padding: 0 18px; } #QPKmTjJhYRmPIgND .shmktpl-title { font-size: 24px; line-height: 29px; } #QPKmTjJhYRmPIgND .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #QPKmTjJhYRmPIgND .add-overlay-content { width: 80%; height: auto; } #QPKmTjJhYRmPIgND .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #QPKmTjJhYRmPIgND .row-1 { flex-flow: column; padding: 16px; } #QPKmTjJhYRmPIgND .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #QPKmTjJhYRmPIgND .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #QPKmTjJhYRmPIgND .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #QPKmTjJhYRmPIgND .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #QPKmTjJhYRmPIgND .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #QPKmTjJhYRmPIgND .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #QPKmTjJhYRmPIgND .prop-value { margin-top: 0; } #QPKmTjJhYRmPIgND .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #QPKmTjJhYRmPIgND .non_featured_list { margin-top: 18px; } #QPKmTjJhYRmPIgND .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #QPKmTjJhYRmPIgND .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #QPKmTjJhYRmPIgND .item:nth-child(3n), #QPKmTjJhYRmPIgND .desktop-bg { background: none; } #QPKmTjJhYRmPIgND .prod-desc-popup-content { padding: 0; } #QPKmTjJhYRmPIgND .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #QPKmTjJhYRmPIgND .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #QPKmTjJhYRmPIgND .disclosure-content ul { padding-left: 14px; line-height: 28px; } #QPKmTjJhYRmPIgND .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #QPKmTjJhYRmPIgND .additional-features { flex: 0 0 100%; } #QPKmTjJhYRmPIgND .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #QPKmTjJhYRmPIgND.sizeone .listing-header-cntnr { display: none; } #QPKmTjJhYRmPIgND.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #QPKmTjJhYRmPIgND .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #QPKmTjJhYRmPIgND .prod-desc-popup-content { position: fixed; } } #QPKmTjJhYRmPIgND.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #QPKmTjJhYRmPIgND.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #QPKmTjJhYRmPIgND.listingAlignment .logo-image-wrapper img { width: 100%; } #QPKmTjJhYRmPIgND.listingAlignment { padding: 0px; } #QPKmTjJhYRmPIgND.listingAlignment .listing-title { font-size: 14px; } #QPKmTjJhYRmPIgND.listingAlignment .listing-title span { font-size: 14px; } #QPKmTjJhYRmPIgND.listingAlignment .row-1 { padding: 26px 10px; } #QPKmTjJhYRmPIgND.listingAlignment .prop-name { font-size: 10px; } #QPKmTjJhYRmPIgND.listingAlignment .prop-value { font-size: 14px } #QPKmTjJhYRmPIgND.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #QPKmTjJhYRmPIgND.listingAlignment .logo-column.flex-container { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .prop-conatiner { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .ad-copy-column.flex-container { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .cta-column.flex-container { flex: unset; } #QPKmTjJhYRmPIgND.listingAlignment .disclosure-content ul li::before { content: unset; } #QPKmTjJhYRmPIgND.listingAlignment .disclosure-content ul li { list-style: disc; } } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #QPKmTjJhYRmPIgND.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #QPKmTjJhYRmPIgND.ctaAlignment .cta-column.flex-container { display: block !important; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button { font-size: 16px; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #QPKmTjJhYRmPIgND.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #QPKmTjJhYRmPIgND .sh-no-listing-msg { padding: 20px 0px; } #QPKmTjJhYRmPIgND .sh-widget-footer-MBT { display: none; } #QPKmTjJhYRmPIgND.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #QPKmTjJhYRmPIgND.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #QPKmTjJhYRmPIgND.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #QPKmTjJhYRmPIgND .sh-widget-footer-QS { display: none; } #QPKmTjJhYRmPIgND.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #QPKmTjJhYRmPIgND.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #QPKmTjJhYRmPIgND.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title, #QPKmTjJhYRmPIgND.customizeColorEffect .prop-name, #QPKmTjJhYRmPIgND.customizeColorEffect .prop-value, #QPKmTjJhYRmPIgND.customizeColorEffect .curDate, #QPKmTjJhYRmPIgND.customizeColorEffect span.current-date, #QPKmTjJhYRmPIgND.customizeColorEffect .disclosure-content ul li, #QPKmTjJhYRmPIgND.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #QPKmTjJhYRmPIgND.customizeColorEffect .add-text, #QPKmTjJhYRmPIgND.customizeColorEffect .see-more-text, #QPKmTjJhYRmPIgND.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #QPKmTjJhYRmPIgND.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #QPKmTjJhYRmPIgND.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #QPKmTjJhYRmPIgND.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #QPKmTjJhYRmPIgND.sizeone.customizeColorEffect .header-section, #QPKmTjJhYRmPIgND.customizeColorEffect .row-2 { background: #E9F0EC; } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title { display: unset; } #QPKmTjJhYRmPIgND.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title .prod-name:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .add-text:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .disclosure-contnr .text:hover, #QPKmTjJhYRmPIgND.customizeColorEffect .see-more-text:hover { color: #EB0017; } #QPKmTjJhYRmPIgND.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #QPKmTjJhYRmPIgND.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #QPKmTjJhYRmPIgND.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #QPKmTjJhYRmPIgND.customizeColorEffect .listing-title { display: block; } #QPKmTjJhYRmPIgND.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #QPKmTjJhYRmPIgND.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #QPKmTjJhYRmPIgND .sh-right-arrow { display: none; } #QPKmTjJhYRmPIgND.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iOCIgaGVpZ2h0PSIxNCIgdmlld0JveD0iMCAwIDggMTQiIGZpbGw9Im5vbmUiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+CjxnIGlkPSJhcnJvdy1wb2ludC10by1yaWdodCIgY2xpcC1wYXRoPSJ1cmwoI2NsaXAwXzIzXzYyNCkiPgo8cGF0aCBpZD0iUGF0aCAxMDYiIGQ9Ik03LjMyODEyIDcuNjU5NDZMMS41OTMxMiAxMy4zOTM1QzEuNDE3OTUgMTMuNTY4NiAxLjE4MDM2IDEzLjY2NyAwLjkzMjYyNSAxMy42NjdDMC42ODQ4ODkgMTMuNjY3IDAuNDQ3MzAxIDEzLjU2ODYgMC4yNzIxMjUgMTMuMzkzNUMwLjA5Njk0OTggMTMuMjE4MyAtMC4wMDE0NjQ4NCAxMi45ODA3IC0wLjAwMTQ2NDg0IDEyLjczM0MtMC4wMDE0NjQ4NSAxMi40ODUyIDAuMDk2OTQ5OCAxMi4yNDc2IDAuMjcyMTI1IDEyLjA3MjVMNS4zNDYxMiA2Ljk5ODQ2TDAuMjczMTI1IDEuOTI1NDZDMC4wOTc5NDkyIDEuNzUwMjggLTAuMDAwNDY1MzkzIDEuNTEyNyAtMC4wMDA0NjUzOTMgMS4yNjQ5NkMtMC4wMDA0NjUzOTMgMS4wMTcyMiAwLjA5Nzk0OTIgMC43Nzk2MzUgMC4yNzMxMjUgMC42MDQ0NkMwLjQ0ODMgMC40MjkyODQgMC42ODU4ODkgMC4zMzA4NzIgMC45MzM2MjQgMC4zMzA4NzJDMS4xODEzNiAwLjMzMDg3MiAxLjQxODk1IDAuNDI5Mjg0IDEuNTk0MTIgMC42MDQ0Nkw3LjMyOTEyIDYuMzM4NDZDNy40MTU4NyA2LjQyNTE5IDcuNDg0NjggNi41MjgxNiA3LjUzMTYzIDYuNjQxNDlDNy41Nzg1OCA2Ljc1NDgyIDcuNjAyNzUgNi44NzYyOSA3LjYwMjc1IDYuOTk4OTZDNy42MDI3NSA3LjEyMTYzIDcuNTc4NTggNy4yNDMxIDcuNTMxNjMgNy4zNTY0M0M3LjQ4NDY4IDcuNDY5NzYgNy40MTQ4NyA3LjU3MjczIDcuMzI4MTIgNy42NTk0NloiIGZpbGw9IndoaXRlIi8+CjwvZz4KPGRlZnM+CjxjbGlwUGF0aCBpZD0iY2xpcDBfMjNfNjI0Ij4KPHJlY3Qgd2lkdGg9IjcuNjAyIiBoZWlnaHQ9IjEzLjMzNyIgZmlsbD0id2hpdGUiIHRyYW5zZm9ybT0idHJhbnNsYXRlKDAgMC4zMzE0ODIpIi8+CjwvY2xpcFBhdGg+CjwvZGVmcz4KPC9zdmc+Cg=='); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #QPKmTjJhYRmPIgND .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #QPKmTjJhYRmPIgND.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #QPKmTjJhYRmPIgND.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #QPKmTjJhYRmPIgND{position:relative;}.add-overlay-content{right: 4%;}#QPKmTjJhYRmPIgND .shmktpl-button span.btn__text::after{display:none;} #QPKmTjJhYRmPIgND .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #QPKmTjJhYRmPIgND .shmktpl-button:hover{background:#0E86DE;} #QPKmTjJhYRmPIgND .add-text:hover {color:#0E86DE;} #QPKmTjJhYRmPIgND .listing-title .prod-name:hover{color:#0E86DE;} #QPKmTjJhYRmPIgND .disclosure-contnr .text:hover{color:#0E86DE;} #QPKmTjJhYRmPIgND .see-more-text{width:68px} #QPKmTjJhYRmPIgND .see-more-text:hover{color:#0E86DE;} #QPKmTjJhYRmPIgND .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best savings account rates on November 3, 2025: Earn up to 5.00% APYThe best high-yield savings account rate of 5.00% can be found at Varo Bank.Fortunemonitors the top rates offered by leading U.S. financial institutions to help readers obtain the best possible return on their savings. Here are the highest savings account rates:FDIC average national deposit rates January 2020 to presentChoosing a high-yield savings account guarantees that you can beat the low average rates offered by most savings institutions in the U.S. The national average savings rate right now is0.41%%. This is down from 0.47% in March 2024, months before the Fed reduced interest rates in late 2024.High-yield savings account news in 2025The Fed’s decision to lower interest rates last year had an immediate impact on savings accounts. Average savings rates tend to follow the lead of the federal funds rate: When the Fed raises its benchmark rate, banks generally raise APYs on savings accounts to remain competitive. Conversely, when the central bank cuts rates, savings account yields decline.Just keep in mind that while this correlation is true for average rates, individual banks decide to raise or lower their savings account APYs based on a variety of factors beyond just Fed rates. These include their own financial goals, promotions for attracting new customers, and other market conditions. Beware, banks can change your savings account APY at any time, for any reason.The Fed cut the federal funds rate three times in Q4 of 2024, reducing it to 4.25%-4.50%. Then, at its Sept. 16-17, 2025 meeting, the central bank reduced the fed funds rate further to 4.00%-4.25%, where it stands now. Banks may have incentive to reduce their APYs in light of this and the possibility of additional cuts at the Fed’s remaining two meetings later this year.Why should you choose a high-yield savings account?To be clear, there’s no such thing as a special class of bank accounts called “high-yield savings accounts.” There’s simply a group of U.S. financial institutions that tend to offer savings account rates that are much higher than the industry average. Financial experts call them high-yield savings accounts.For example, while the average savings rate in the U.S. is0.41%%, many high-yield savings accounts offer rates above 4.00%—that’s something like 10 times the average rate.Banks that offer conventional savings accounts with lower rates tend to have bricks-and-mortar branch networks and offer a full suite of deposit and lending products. Meanwhile, institutions that offer high-yield savings accounts are typically online banks with a very limited menu of other banking products and no access to physical branches.People who want the highest possible returns on their savings should opt for a high-yield savings account. They often have no minimum balance requirements or monthly fees, making them an ideal choice for your emergency fund or short-term financial goals. Online banks are insured by the Federal Deposit Insurance Corp. (FDIC), providing the same protection as conventional banks.Before choosing a savings account, consider the following factors:Interest rates:Look for competitive APYs to maximize your earnings.Low or no minimums:Many high-yield accounts have no minimum balance requirements.No monthly fees:Avoid accounts with monthly maintenance fees that can eat into your savings.Accessibility of funds:Ensure you can easily withdraw or transfer money when needed—some banks have withdrawal limits and charge fees for foreign ATMs.Security and insurance:Verify that the account is FDIC-insured.No matter what type of savings account you hold, you can expect to pay taxes on any interest you earn.#qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; 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font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Frequently asked questionsHow often do APYs on high-yield savings accounts change?There’s no set answer for how often the rate on your high-yield savings account may change. In short, your bank or credit union can change it at their discretion. However, it’s typically a useful rule of thumb that when the Federal Reserve raises or lowers its benchmark federal funds rate, financial institutions are likely to increase or decrease the rates they offer consumers accordingly.Should I switch banks if I find a savings account with a higher rate?The brief answer is “maybe.” There isn’t a limit to the number of savings accounts you can have at different institutions. But, keep in mind there may be a minimum deposit requirement to earn an account’s max APY. You’ll also want to evaluate how dramatic the difference in rate is and whether the increased interest you’d earn is worth the effort to make the change.For example, depositing $1,000 in an account with a 4% APY and leaving it there for a year without additional deposits might earn you approximately $39.98 in interest. If the same account had a 4.5% APY, you might earn $44.98 under the same circumstances.How easy is it to withdraw money from a HYSA?This can vary by institution. But in general, many banks will let you link external accounts digitally, so initiating a transfer should be something you can do with a few clicks. Note that while it’s not a federal restriction any longer, a lot of institutions still enforce the cap of six withdrawals from your savings account per statement cycle.Should I choose an online-only bank for my HYSA?Because they’re able to keep costs associated with brick-and-mortar locations down, an online-only bank might be able to offer a higher APY than you’re likely to find elsewhere. For that reason, they’re well worth considering when you’re shopping around for a high-yield savings account.Can I lose money in a high-yield savings account?Before you open an account, make sure your savings will be insured by the Federal Deposit Insurance Corporation (FDIC) if the account is with a bank or the National Credit Union Administration (NCUA) if the account is at a credit union. That should protect you against losing money.It’s also worth noting that money in a savings account is not at risk of a loss in the same way as money invested in the stock market. However, your money could still lose purchasing power if inflation outpaces your account’s APY.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current price of silver as of Tuesday, November 4, 2025
Personal Finance 2025-12-16 19:14:22

Current price of silver as of Tuesday, November 4, 2025

At 8:15 a.m. Eastern Time on November 4, 2025, silver stood at $47.80 per ounce. That marks a $0.99 decrease from this time yesterday but more than a $15 rise compared with one year ago.Silver price per ounce% ChangePrice of silver yesterday$48.79-2.02%Price of silver 1 month ago$47.99-0.39%Price of silver 1 year ago$32.45+47.30%Price of silver yesterdaySilver price per ounce$48.79% Change-2.02%Price of silver 1 month agoSilver price per ounce$47.99% Change-0.39%Price of silver 1 year agoSilver price per ounce$32.45% Change+47.30%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock. However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises. Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.What does “spot silver” mean? Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses. Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.What is “price spread” in silver trading? The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include: Ask price.This refers to what you pay to acquire silver Bid price.This refers to what you receive when you sell silver As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver. How to invest in silver You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs). ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally. Common silver investments include: Silver bullion.This includes bars or rounds sold by weight and purity. Silver coins.Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee. Silver jewelry. Specifically, crafted pieces that are worth more than equivalent-purity bullion. Silver mining stocks.This type of investment refers to shares in companies that extract silver, giving you indirect exposure. On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade. Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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font-weight: 600; } }Is it a good time to invest in silver? In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade. Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains. Current precious metals prices as of 8:15 a.m. ET on November 4, 2025 Precious metal Price per ounceGold$3,994.47Silver$47.80Platinum$1,552.75Palladium$1,412.12GoldPrice per ounce$3,994.47SilverPrice per ounce$47.80PlatinumPrice per ounce$1,552.75PalladiumPrice per ounce$1,412.12Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.Pro tipPrefer gold? Check out our list of the best gold IRA companies.The takeaway With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs. Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current refi mortgage rates report for Nov. 5, 2025
Personal Finance 2026-01-04 06:45:02

Current refi mortgage rates report for Nov. 5, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.40%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.40%20-year6.41%15-year5.67%10-year5.84%Jumbo mortgages30-year7.13%15-year6.16%FHA loans30-year6.65%15-year5.63%VA loans30-year6.25%15-year5.91%Note thatFortunereviewed the most recent Zillow data available as of Nov. 4.How mortgage refinancing worksMortgage refinancing essentially involves paying off your existing home loan with a new one. Similar to when you applied for a mortgage the first time, you’ll need to apply for the refinance loan and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. This process generally means there will be a small hit to your credit score due to the hard inquiry. And, you should be aware there’s a risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers thought that mortgage interest rates would fall alongside the cuts made by the Federal Reserve to the federal funds rate late last year. However, that didn’t happen, and interest rates remained stubbornly near the 7% mark—considering the nationwide average for 30-year, fixed-rate mortgages—for months. Rates did drop slightly toward the end of February, moving closer to 6.5% than had been seen in a while. Still, rates remain elevated well above pandemic-era lows, when some homeowners got mortgages with rates in the 2% and 3% range. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners carrying a mortgage had an interest rate under 6%. Many Americans have felt locked in, unwilling or unable to move or refinance while rates remained high.There was finally some relief leading up to the Fed’s meetings in September and October, with rates trending noticeably downward ahead of the September meeting and inching downward leading into the October meeting. The central bank cut the federal funds rate at both of those meetings, with a quarter percentage point reduction each time.When it might make sense to refinance your mortgageRefinancing isn’t free, so it’s crucial to weigh the costs. One rule of thumb you’ll hear referenced is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For example, if rates drop and you’re able to move from a 7% rate to a 6% rate, that’s worth seriously considering.You might also want to refinance if you need to tap your home equity—this can be done via a cash-out refinance, which typically requires that you have built up at least 20% equity in your home.  Refinancing can also help change your loan term or switch loan types, such as moving from an FHA loan to a conventional one to get rid of a lifetime mortgage insurance (MIP) requirement, or changing from an adjustable-rate mortgage (ARM) to a fixed-rate loan.It can also be beneficial to refinance if you want to adjust your loan term. For instance, switching from a 15-year to a 30-year mortgage can provide smaller monthly payments, which might be more manageable if your financial situation has changed from when you took out the loan.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000, for example. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable with your existing lender).Different types of mortgage refi loansSeveral types of refinance options exist, each suited to different goals:Rate-and-term refinance:This is what you’re looking for when you seek to lower your interest rate or change your loan term—though be aware if you shorten your repayment term this will almost certainly result in higher monthly payments.Cash-out refinance:Leverage your home equity by paying off your existing loan and taking out a larger loan, while receiving the difference in cash.No-closing-cost refinance:The lender covers closing costs in exchange for a higher interest rate. This is a refi to approach with educated caution, but could be worthwhile in certain cases. Streamline refinance:Available for FHA, VA, and USDA loans, offering a simpler application process and oftentimes less paperwork. Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around may help you find lower rates and possibly even better service. But, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should broach the topic of refinancing with your existing lender before you make a decision. Lastly, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

How to recognize the signs of addiction and seek help in London
Health 2026-01-08 04:51:42

How to recognize the signs of addiction and seek help in London

ContentsRecognizing the early signs of addictionThe impact of addiction on mental and physical healthSeek professional help in LondonThe role of family and friends in recoveryOvercome stigma and embrace recoveryAddiction functions as a problematic medical problem because it causes problems in all social groups. Drug addiction to alcohol and narcotic drugs, together with behavioral addictions of gaming and gambling, cause abundant damage to relationships, physical health and mental well -being, as well as quality of life. People must recognize warning signals for early addiction so that they have access to the right help before their problems escalate. Addiction treatment in London offers several locations for support and therapy that help people with their recovery journey.Recognizing the early signs of addictionRecognizing the warning signals of addiction is the first step to get treatment. Addiction symptoms can vary, but common indications are:Loss of control:Addiction is characterized by a persistent inability to stop doing something or taking a medicine despite negative consequences. It is common for individuals to discover that they do not drink as much as they were planning or that they have difficulty collapsing their behavior.Neglurry responsibilities: Addiction can create a priority shift that ensures that personal life, profession and education fall off the road. A decrease in performance, frequent absence of work or school, or not complying with domestic obligations can all be signs of a problem.Mood and behavioral changes: Mood changes, depression, anxiety and irritability are common signs of addiction. People can also be monitored or evasive or start withdrawing from friends and family.Increased tolerance and withdrawal symptoms: People with addiction must use more medicines or participate more often in an activity to achieve the same results. Vibrating, nausea or pain are withdrawal symptoms that reflect a mental or physical dependence on the substance.Financial and legal issues:Many addictions lead to financial difficulties, whether through excessive purchases of drugs, gambling losses or legal issues caused by careless behavior..u05ded1f62cfc19151bb6d360d0e67a3d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u05ded1f62cfc19151bb6d360d0e67a3d:active, .u05ded1f62cfc19151bb6d360d0e67a3d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u05ded1f62cfc19151bb6d360d0e67a3d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u05ded1f62cfc19151bb6d360d0e67a3d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u05ded1f62cfc19151bb6d360d0e67a3d .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u05ded1f62cfc19151bb6d360d0e67a3d:hover .postTitle { text-decoration: underline!important; } See alsoBeating travel stress with natural remedies for a relaxing journeyThe impact of addiction on mental and physical healthLong -term addiction creates serious injury to physical and mental health. The use of a certain substance by an addicted person reveals them to fatal overdose risks. Long -term addiction offers two different health dangers, including liver disease in addition to heart problems and weakened immunity. Drug addicts who use gambling activities or internet can develop fear and tension, together with stress while they are sad and deal with self -damaging behavior.Addiction leads people to create conflicts while betraying the people around them, resulting in social isolation that damages all their relationships. The withdrawal of emotions or distance from family members by people with addiction deteriorates both their sense of powerlessness and feelings of insulation.Seek professional help in LondonRecognizing an addiction is only the first step. Expert support is required for recovery and London offers various treatment alternatives, including counseling and residential rehabilitation programs.Therapy and counseling:Cognitive behavioral therapy, or CBT, is one of the most used modes of Addiction treatment in LondonBecause this tool enables patients to recognize their triggers and to develop non-substance-oriented coping mechanisms. There is no perish that recovery is a group process.Medical detox and rehabilitation: Significant drug addictions require medically guided detoxification to effectively treat the symptoms of withdrawal capacity. More intensive treatments are more intense, where the treatment method is aimed at long -term healing.Community Support Services:For medically assisted tapering of withdrawal symptoms for patients with severe drug addictions, medically guided detox is crucial. This program helps an individual with a long -term recovery in a structured environment.Holistic approaches:The truth is that many patients find their use of alternative treatments such as yoga, meditation and mindfulness can enable them to deal with stress and clean their health during their recovery..u91bed72db24076abf6e5090aeeec990f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u91bed72db24076abf6e5090aeeec990f:active, .u91bed72db24076abf6e5090aeeec990f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u91bed72db24076abf6e5090aeeec990f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u91bed72db24076abf6e5090aeeec990f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u91bed72db24076abf6e5090aeeec990f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u91bed72db24076abf6e5090aeeec990f:hover .postTitle { text-decoration: underline!important; } See alsoTop signs it's time for BotoxThe role of family and friends in recoveryDrug use has adverse effects on the user and all his direct circle members. Specialists offer medical treatment on the site of the addict, while friends and family members offer support for dependency rejoices. Set clear limits and work together with one expert to check whether your support methods will not lead to making the person with addiction possible.The family members of substance abusers can benefit from becoming a member of such support groups, so that they can communicate with others in comparable situations. It can help a lot. The materials explain the basic principles of addiction and communication strategies when dealing with an addict and recovery strategies that do not endanger their health.Overcome stigma and embrace recoveryApart from a positive identity, addiction is the most important obstacle that prevents patients from looking for treatment. Due to concern about stigma, many patients avoid accepting vital medical interventions to which they are entitled. People must understand that addiction is a medical condition instead of a personal deficiency to overcome the current obstacles.The recovery process remains without interruption. Problems will happen. A person who receives appropriate professional guidance is to create an addiction -free lifestyle.The priority in the confronted with any form of addiction should be to obtain specialized medical assistance. London offers various treatment alternatives for addiction through programs and private medical facilities.ConclusionThe results of addictions become more favorable when people receive an early diagnosis of addiction symptoms. The nature of addiction does not matter, because the identification of a problem requires professional help to tackle abuse of resources, gambling complications and more. London offers several treatment programs that help people with addiction to find the best available auxiliary and support regime. People who overcome Stigma through initiative steps are ready to continue with a means -free life..u54f64cff69ace9989d070255d61fc30f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u54f64cff69ace9989d070255d61fc30f:active, .u54f64cff69ace9989d070255d61fc30f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u54f64cff69ace9989d070255d61fc30f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u54f64cff69ace9989d070255d61fc30f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u54f64cff69ace9989d070255d61fc30f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u54f64cff69ace9989d070255d61fc30f:hover .postTitle { text-decoration: underline!important; } See alsoWhere can I buy inclusive commercial playground equipment for schools?

How discovering your personal style can have a positive influence on your well -being
Health 2025-12-26 16:10:30

How discovering your personal style can have a positive influence on your well -being

ContentsThe connection between personal style and mental well -beingSteps to discover your personal styleSustainable fashion and well -beingThe psychological benefits of embracing your unique styleThe impact that your fashion choices have on your mental health and overall well -being cannot be overestimated. Discovering your own personal style and well dressing can stimulate your self -confidence and mood, so it is certainly something that is worth it. This message will look at some of the most important benefits and offers practical tips for finding your own personal style. Read on to find out more.The connection between personal style and mental well -beingPersonal style serves as a form of self -expression, so it says a lot about a person and how they think about themselves. Cognition Is a concept that suggests that what people wear, can significantly influence their mood and mentality (both positive and negative), so finding your personal style can dress in a way that improves your daily mood.Steps to discover your personal styleDiscover your personal style Is easier said than done. First of all, you have to explore different fashion -testics to establish appearance that you like – Internet is a great source for this. You can then experiment with different items of clothing, including different textures, materials and accessories. Take into account important factors such as comfort, body positive and personal identity in finding your personal style. Self -acceptance is crucial, so concentrate on clothing that makes you feel good.Sustainable fashion and well -beingNowadays, sustainability is an important consideration when it comes to fashion. You want to find clothing that makes you feel good, which will be much easier if it is environmentally friendly clothing. Developing a personal style can lead to more conscious consumption, which reduces the pressure to follow fast fashion trends. This approach not only benefits the environment, but also promotes mental well -being by promoting satisfaction and reducing the decision. Recording unique accessories, such as second -hand watchesNot only adds character to your outfits, but also supports sustainable fashion practices..u3285e81828d6b144afe72ba7d4c943e1 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u3285e81828d6b144afe72ba7d4c943e1:active, .u3285e81828d6b144afe72ba7d4c943e1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u3285e81828d6b144afe72ba7d4c943e1 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u3285e81828d6b144afe72ba7d4c943e1 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u3285e81828d6b144afe72ba7d4c943e1 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u3285e81828d6b144afe72ba7d4c943e1:hover .postTitle { text-decoration: underline!important; } See alsoTraveling with a camper? Here's what you need to know before you hit the roadThe psychological benefits of embracing your unique styleThere are countless benefits for mental health of embracing someone’s personal style, including increasing self -respect, reduced fear and a greater sense of authenticity. The alignment of appearance with inner identity can lead to improved self-acceptance and overall happiness that everyone can benefit from!As you can see, there are powerful reasons to find your personal style. Discovering and embracing your personal style can improve self -confidence, mood and overall well -being. It is not always easy to find your personal style, but hopefully the advice will help in this message and you can build a wardrobe that makes you look and feel both at your best.

TIM HOWARD: Why United's move for Amorim feels like the failed return of CR7
Sports 2025-12-29 21:40:03

TIM HOWARD: Why United's move for Amorim feels like the failed return of CR7

If you didn’t know any better, if you didn’t know that INEOS is running the football side of Manchester United, you’d be forgiven for thinking nothing has changed over the last decade. This club is still being run by Ed Woodward and the Glazers. It’s business as usual. If you didn’t know any better, if you didn’t know that INEOS is running the football side of Manchester United, you’d be forgiven for thinking nothing has changed over the last decade. This club is still being run by Ed Woodward and the Glazers. It’s business as usual. Because the decision to fire Erik ten Hag now makes no sense. What baffles me the most? We are precisely where we were last season. Yes, United won the FA Cup – and that does matter – but look at the bigger picture. The performances were terrible and so were the results. INEOS did a review in the summer and their conclusion was: Ten Hag is the right man for the job. But not only that, we will back him financially too. Now United have had a horrific start to the season and he’s gone. But what have they learned? If INEOS had a checklist – listing all the reasons Ten Hag has been sacked – it would look exactly the same as it did in June. Familiar issues remain around United’s style of play, the quality of their signings and their results. All that’s changed? We are six months further down the line – with another transfer window gone and yet more money down the drain. Oh, and Thomas Tuchel and Mauricio Pochettino – two managers linked with United over the summer – have taken other jobs. Now Ruben Amorim is in talks to take over. But he was highly thought of in the summer, too. He hasn’t become a good coach in the last few months. And that’s what concerns me. This feels like the decision to re-sign Cristiano Ronaldo in 2021. Don’t forget, it looked like Ronaldo was going to Manchester City and so United decided to jump in at the 11th hour. It wasn’t part of their plan. It was a knee-jerk reaction and it backfired. I wonder if that is what has driven this decision to fire Ten Hag. It’s not long since City were linked with Amorim as a possible replacement for Pep Guardiola. Has that forced United’s hand? It would be a lazy way to run a club. But the last 10 years tells us one thing: United don’t know what manager they want. Since the departure of Sir Alex Ferguson, they have hired David Moyes, Louis van Gaal, Jose Mourinho, Ole Gunnar Solskjaer, Ralf Rangnick and then Ten Hag. They have tried serial winners, they have tried coaches with ties to the club and those with a track record in the Premier League. None worked. So now United are turning to one of the most exciting young coaches in Europe. They are not alone – bright, tactically-astute minds such as Xabi Alonso are now increasingly sought-after. With good reason, too. Look at the job Enzo Maresca is doing at Chelsea and the impact Fabien Hurzeler has made at Brighton. So I’m not opposed to Amorim because there is some naivety in youth. Manchester United has swallowed managers whole - good, experienced managers. So why not hire a younger coach who isn’t haunted by ghosts of the past? Amorim has had success at Sporting and he has very clear ideas about the way he wants to play. Then again, we said the same about Ten Hag after what he had achieved at Ajax. So is the manager really the issue at United? https://img.allfootballapp.com/www/M00/59/8E/720x-/-/-/CgAGVmcg71eAESnwAACprmoZnCs818.jpg I have been a player, a sporting director and I’m now an owner with Houston Dynamo. I know that some managers are hamstrung by what goes on around them - they are given no backing in the transfer market and no say in who they sign, for instance. No one can dispute that United have been a dysfunctional operation over the past decade. But the truth is: Ten Hag has been given money and a big role in deciding signings. Just look at the number of ex-Ajax players United have bought: Anthony, Lisandro Martinez, Matthijs de Ligt… the list goes on. And yet he wasn’t getting a tune out of this squad. That is a manager’s primary job: ensure the team is performing at a high level and getting results. He failed on both counts. So why would United keep a manager who had been underperforming for so long? https://img.allfootballapp.com/www/M00/59/8E/720x-/-/-/CgAGVmcg71eAP6BEAACWucC9ZoA112.jpg I like what Sir Jim Ratcliffe and INEOS have put in place behind the scenes – I like the appointments of Dan Ashworth as sporting director and Omar Berrada as CEO. Maybe they decided that only so much could change straight away. Maybe this was a calculated risk: Ten Hag won’t be our manager long term but perhaps we can get away with keeping him while we fix everything else. Unfortunately, that brings other problems. Because, as long as you have a manager, you have to keep buying them players to make an impact. And these days, clubs are bound by Profitability and Sustainability Rules. They can’t keep spending forever. So now United has a squad full of players who are not good enough to win the Premier League or Champions League. Players Amorim won’t want.

The ‘real reason’ why Vinicius Jr didn’t win the 2024 Ballon d’Or
Sports 2026-01-05 08:01:50

The ‘real reason’ why Vinicius Jr didn’t win the 2024 Ballon d’Or

The Brazilian winger missed out on the title of ‘best in the world’ to Man City’s Rodri.Vinicius Jr, as you surely know, missed out on the Ballon d’Or last night to Rodri of Manchester City, the midfield lynchpin who has guided his side to unprecedented success both domestically and internationally, taking them to a level previously unseen in England. The Brazilian winger missed out on the title of ‘best in the world’ to Man City’s Rodri. Vinicius Jr, as you surely know, missed out on the Ballon d’Or last night to Rodri of Manchester City, the midfield lynchpin who has guided his side to unprecedented success both domestically and internationally, taking them to a level previously unseen in England. However, the outrage of the apparent ‘robbery’, according to some, suffered by the Spanish club perhaps have a simple and understandable reason: there are a lot of good players in the world and Rodri is one of them. And a lot of them are also at Real Madrid. The vote between the 15-time European champions, as they charged to thetop of LaLiga and the Champions Leaguelast season, was spread out amongstVini Jr, Toni Kroos, Jude Bellingham and Dani Carvajal, the standout performers for Carlo Ancelotti’s side. Thissplit in success on the fieldhas led to thevote for Vini Jr being divided upamongst the aforementioned names, with the Englishman starting off his career at the Estadio Santiago Bernabéu in a fairy-tale-like way,firing goals in from the startand getting assists for Vini and co. across the season. DaniCarvajal, meanwhile, took his Real Madrid success one step further, winning the Euros with Spain and guiding his team from the right wing, making it his own in attack and defence. AndToni Kroos simply bossed the midfieldfor another season, probably ending on a 101% pass completion rate. This team success that was spread throughout the team - whether Vini Jr was, in your opinion, ‘the best in the world’ or not -makes it even more unlikely that all 100 journalists would choose himas the undisputed star ofLos Blancos. Vinicius Jr got 24 goals; Bellingham got 23. However, the Englishman scored 4more in the domestic competition (19) than Vinicius (15). He also managed more assists (6 vs 5). Carvajal‘s 7 goal contributions puts him up there as well, from right-back. It‘s a tough question that got people wound up last night. I guess the answer is that it’s simply really hard to play elite footballand there are lots of players who are good at doing so. Vini will get his chance again; perhaps he will take it next time.

Inside the curse of 2019 Ajax world-beaters who stunned Real Madrid
Sports 2026-01-01 18:15:39

Inside the curse of 2019 Ajax world-beaters who stunned Real Madrid

THEY were the best Ajax team since Louis van Gaal's mid 90s outfit that landed a Champions League title.That team featured the de Boer twins Ronald and Frank, Patrick Kluivert, Marc Overmars, Clarence Seedorf and Edgar Davids at the heart of midfield and more. THEY were the best Ajax team since Louis van Gaal's mid 90s outfit that landed a Champions League title. That team featured the de Boer twins Ronald and Frank, Patrick Kluivert, Marc Overmars, Clarence Seedorf and Edgar Davids at the heart of midfield and more. But the spirit of those incredible talents seemed to resonate through the likes of Frenkie de Jong, Matthijs de Ligt, Donny van de Beek, Hakimn Ziyech, and Andre Onana. Led by up-and-coming manager Erik ten Hag, they played some of the best football in Europe during the 2018-19 season. Domestically, they went double Dutch - winning both the league and cup. While in the Champions League, they earned plenty of admirers for destroying Real Madrid 4-1 at the Bernabeu in the Round of 16 and beating Juventus in Turin in the quarter-finals. Their journey ended in the semis, after losing on away goals to Tottenham. As is almost always the case, Europe's top dogs cherry-picked Ajax's best talent - paying huge fees. De Jong went to Barcelona for £65million, de Ligt to Juventus for £75million, and manager ten Hag was hired to bring his flair to an ailing Man Utd team. However, as that team disbanded the worst was to come for those promising youngsters, and their boss. So, where did all go wrong? The kids Forget the old saying, 'You won't win anything with kids.' This Ajax team did, and they swept most teams before them. Steadied by Daley Blind at the back, who struggled in the Premier League with Man Utd, they had a youthful vibrance about them. De Ligt, the recipient of the 2018 Golden Boy trophy given to the best player under 21, was the first-ever defender to ever win the award. De Jong had plenty of swagger, controlling possession in the midfield and driving the tempo of the side. Astonishing stats from December to February of that campaign showed that De Jong had completed 354 of his 390 passes, while making 53 ball recoveries. That prompted former Dutch international Rafael van der Vaart to call De Jong the best player in Europe with the ball at his feet. Cameroon goalie Onana - who came through the Ajax academy - was also excelling himself between the sticks as a carbon copy of Edwin van der Sar with his handling and distribution praised. In Donny van der Beek they had a playmaker who starred in the No10 role and was drawing comparisons with Dennis Bergkamp. Moroccan Hakim Ziyech also provided a threat on the wing, in what was a breakthrough season that saw him score 22 goals in all competitions. Alongside Dusan Tadic, goals were flying in everywhere - testament to that was the 119 goals in 34 league games, and the four that shook the Bernabeu in that famous Champions League massacre. https://img.allfootballapp.com/www/M00/59/93/720x-/-/-/CgAGVmchBdeAPR0jAAHpwiLzXdM565.jpg The manager They were led by the emerging ten Hag, who grew up on a diet of a Johan Cruyff's Ajax and Barcelona teams and studied Pep Guardiola, who he worked alongside at Bayern Munich. He once revealing of his Spanish mentor: "Every day I get to work with him, I look forward to it. He inspires me." On the wall of his modest office at the club's De Toekomst training ground ten Hag hung photos of past greats Cruyff, van Gaal, and Rinus Michels. An ode to history that would act as a basis for his own thoughts. The club would play a free-flowing 4-2-3-1 formation - it wasn't total football but it was an organised chaos. His approach to training was player mentality focused. Ten Hag would note down how each individual responds to minor errors, losing the ball or committing a foul. Then, he would pick a team based on the mentality of his team and the opponent they were facing. It was the manager who decided to address the balance of youth and experience by bringing in Blind and Tadic. A masterstroke, if ever there was one. https://img.allfootballapp.com/www/M00/59/64/720x-/-/-/CgAGVmcgFKqAWueCAAOEsTWstjY433.jpg What happened next In 2019, that Ajax team mostly disbanded. A combination of lofty ambitions, and Europe's top clubs descending upon the Dutch giants like vultures to a dead carcass, saw its two best youngsters de Ligt and de Jong depart for pastures new. De Ligt would move to Juventus for £75million, with legendary Marcelo Lippi lauding his ability and comparing him to Franco Baresi, Paolo Maldini, and Alessandro Nesta. He would struggle to adapt to Italian football, and came under fire for lapses of concentration and occasional errors. Playing a zonal marking system under Maurizio Sarri also didn't suit his attribute of being a man-marker. Three seasons later, he was sold to Bayern Munich for another huge fee - around £56million. Again, he struggled. Injuries didn't help, as well as a strained relationship with Thomas Tuchel who reportedly didn't like the way he played the ball out of defence slowly. Two years later, the jury is out whether the £42.7million Man Utd have spent on him will help rediscover his and his club's fortunes. It hasn't been perfect so far. De Jong's transfer to Barcelona came at a time when the club were heading for financial ruin. In fits and spurts he's shown his qualities, but not in the way the club's fans have hoped. While it may be unfair to call him a flop, the club have certainly seen him as surplus to requirements in the past. To ease their economic concerns, de Jong was offered to Man Utd in 2022. The deal reportedly fell through due to personal terms, but his situation has seemingly changed under new manager Hansi Flick and he is happier. Van de Beek suffered the biggest career collapse of them all, but is credibly rebuilding himself at Girona. He was bombed out of Old Trafford in 2024 for £500,000 to the Spanish club, after unsuccessful loans at Everton and Eintracht Frankfurt. United's £40million investment went down the pan there, with the midfielder scoring just twice in 62 games. Even ten Hag couldn't get a tune out of him. Ziyech, who left in 2020 for Chelsea for £37million, also couldn't rediscover his goalscoring touch that made him so feared in Amsterdam. His bad luck continued after the Blues submitted the wrong documents on transfer deadline day in 2023, blocking a loan deal to PSG. A move to Al Nassr to link up with Cristiano Ronaldo collapsed, when the Saudi Arabian giants withdrew their contract offer after a reported failed medical, which he later denied. He's now with Galatasaray, after finally leaving in the summer but seems to be a shadow of the player he once was. https://img.allfootballapp.com/www/M00/59/93/720x-/-/-/CgAGVWchBdaACqj0AAGl2aedhxs421.jpg https://img.allfootballapp.com/www/M00/59/93/720x-/-/-/CgAGVmchBdWAK_SNAAEU8ZFDTd4800.jpg Following a nine-month ban from the game for a doping scandal, Onana restored faith in his abilities by starring at Inter Milan and guiding them to the 2023 Champions League final. United paid £47.2million for him, and although he struggled last season, there are signs of improvement. As for ten Hag, he has now been pushed from the Man Utd hot seat - sacked after two seasons that brought a League Cup and FA Cup, but just an eighth-placed finish in the Premier League last season and a worst-ever start to this term. You better believe it, the curse of Ajax's 2019 world beaters is very real.

How you can support a loved one that goes through alcohol rehabilitation
Health 2026-01-06 19:23:05

How you can support a loved one that goes through alcohol rehabilitation

Contents Teach yourself about alcohol addiction Offer emotional support without making possible Set healthy limits Courageous healthy lifestyle changes Be patient and avoid assessing their progress Create a supporting home environmentSupporting a loved one through alcohol rehabilitation can feel overwhelming. You want to help, but you may not always know the right way to do it. Recovery is a personal journey, but the support of family and friends makes a huge difference. Your encouragement can give them the power to move forward, but it is important to approach this with patience, understanding and the right mindset.Rehabilitation is not just about stopping alcohol; The point is to rebuild a life. This process requires emotional, physical and mental adjustments. Your role is not to repair everything for them, but to assist them in ways that promote real healing. Knowing what to do – and what not – can help them stay on course and improve your relationship with them during this challenging time.Teach yourself about alcohol addictionTo offer real support, you must understand what your loved one is going through. Alcohol addiction is not just a habit that can be broken with willpower. It is a complex state that influences the brain, body and emotions. Learning about addiction helps you to see it from their perspective, reducing frustration and unrealistic expectations.Read about the science behind alcohol dependence, withdrawal symptoms and the emotional struggle of recovery. Understand that relapse is not a sign of failure, but a common challenge in the process. If you know what to expect, you can respond with patience instead of disappointment.Attending family support groups or educational sessions in the rehabilitation center can also give you useful insights. The better you are informed, the better you can offer meaningful encouragement and avoid actions that they can unintentionally return..u6314a2483ef61dd37c0ba6cbe43fb70c { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u6314a2483ef61dd37c0ba6cbe43fb70c:active, .u6314a2483ef61dd37c0ba6cbe43fb70c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u6314a2483ef61dd37c0ba6cbe43fb70c { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u6314a2483ef61dd37c0ba6cbe43fb70c .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u6314a2483ef61dd37c0ba6cbe43fb70c .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u6314a2483ef61dd37c0ba6cbe43fb70c:hover .postTitle { text-decoration: underline!important; } See alsoThis year's 15 most loved European cities (and a 30-second quiz to find your favorite)Offer emotional support without making possibleSupport and engaging are two very different things. Your loved one needs encouragement, but they also need accountability. It is of course to want to protect them against pain, but protecting the consequences of their actions can slow down their recovery.One of the best ways to support them is to listen actively. Let them share their feelings without judgment. Validate their struggles, but do not excuse or justify destructive behavior in the past. When they receive Addiction treatment at California Behavioral HealthFor example, trust the professionals who guide their recovery. They need structured care, and your role is to strengthen that process, not to make it easier to return to old habits.Encouraging them does not mean that it ignores problems. If they try to manipulate or test limits, stay firm. Support must elevate and make empowerment, not create an escape of personal responsibility.Set healthy limitsLimits are essential for both you and your loved one. Without them, relationships can be tense, which leads to resentment and emotional exhaustion. Setting up clear expectations ensures that your support remains productive instead of overwhelming.Borders can include limiting financial assistance, refusing to cover for missed responsibilities, or decide how much emotional energy you can give. You should be available, but not at the expense of your own well -being. A healthy boundary lets them know that you are giving up while you make it clear that their recovery is their responsibility.Talk openly about these limits. Be clear and firm but not hard. Let them know that your support is not repelling, but they must meet you halfway. This balance prevents co-dependence and promotes an environment where real healing can happen..u81901872b3165e2eed78bf24727262f4 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u81901872b3165e2eed78bf24727262f4:active, .u81901872b3165e2eed78bf24727262f4:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u81901872b3165e2eed78bf24727262f4 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u81901872b3165e2eed78bf24727262f4 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u81901872b3165e2eed78bf24727262f4 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u81901872b3165e2eed78bf24727262f4:hover .postTitle { text-decoration: underline!important; } See also8 ways in which intramural health programs for long -term mental health care promote wellnessCourageous healthy lifestyle changesRecovery is about more than just avoiding alcohol. It’s about rebuilding a life is no longer about drinking. Encouraging your loved one to adopt healthier habits can help strengthen the positive changes where they are working.Suggesting activities that promote well -being, such as exercise, hobbies or conscious practices such as meditation. Participate in walks, cook nutritious meals together or make creative points of sale that give them a feeling of goal. Avoid environments that cause old behavior, such as bars or parties with heavy drinking.A supporting lifestyle shift is not just about their customs; It’s also about yours. If you drink regularly, consider reducing your consumption or to abstain around them. Creating an environment that matches their recovery goals makes it easier for them to stay on course.Be patient and avoid assessing their progressRecovery does not happen overnight. Your loved one will have good days and bad days. Some moments will feel hopeful, while others may feel frustrating. The key is to stay patient and to prevent them from making a judgment about how quickly or smoothly they progress.They can struggle with mood swings, self -doubt or moments of weakness. Instead of responding with disappointment, you remind them how far they have come. Four small victories, such as consistently attending therapy sessions or achieving a milestone in austerity.Avoid comparing their journey with others. Every person recovers at his own pace. The point is that they make an effort. Even if setbacks take place, your continuous belief in their ability to cure can help them get the motivation back..u2fb64a7e0f742ad715bdc65a0ec56141 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u2fb64a7e0f742ad715bdc65a0ec56141:active, .u2fb64a7e0f742ad715bdc65a0ec56141:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u2fb64a7e0f742ad715bdc65a0ec56141 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u2fb64a7e0f742ad715bdc65a0ec56141 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u2fb64a7e0f742ad715bdc65a0ec56141 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u2fb64a7e0f742ad715bdc65a0ec56141:hover .postTitle { text-decoration: underline!important; } See alsoThe best ways to surprise your partnerCreate a supporting home environmentA stable and supporting home environment plays a crucial role in recovery. Your loved one needs a space that feels safe, free from triggers and conducive to healing. Removing alcohol from your house is a great first step. Even if other members of the household drink, alcohol reduces the temptation.Structure and routine can also make a big difference. Consistency in daily habits, such as waking up at the same time, eating healthy meals and doing productive activities. Chaos and unpredictability can increase stress, making relapse more likely.Emotional safety is just as important as physical environment. Make sure that a house is a place where they feel appreciated, heard and understood. Avoid the debt or make mistakes from the past unnecessary. Focus instead on positive reinforcement and open communication.Supporting a loved one by alcohol rehabilitation requires patience, understanding and a dedication to both their well -being and your own. Recovery is not a straight path and setbacks can be made. However, your consistent support can help them by navigating the challenges and building a new, healthier life.The best thing you can do is train yourself, set limits and offer encouragement while they can take responsibility for their own healing. Your role is not to control their journey, but to be a steady presence that reminds them that they are not alone.With love, structure and the right support system, they have a much better chance of lasting austerity. Your belief in their ability to heal can make the difference.

Securing your family’s financial future
Health 2026-01-04 04:04:12

Securing your family’s financial future

ContentsSet goalsBudgetingEmergency fundRetirement savingsHigher educationThere have been many changes in the economy in recent years, both on a local and global level. Major events such as the Russian invasion of Ukraine and… Brexit had a direct impact on individuals’ finances.While that is not always possible predicting when inflation rates will changeit is possible to take the financial security of your family into account. By adopting practical strategies, you can build a robust financial foundation that ensures stability, reduces stress, and promotes long-term happiness.Set goalsHaving long- and short-term financial goals gives you the opportunity to achieve financial stability. An emergency fund is an example of a short-term goal, besides paying off a small debt or saving for a vacation. Longer-term goals include building a retirement fund or saving for your child’s education. Getting these goals in order first will help you plan your family budget.BudgetingWith a well-structured monthly plan, you can track your income, control your expenses, and allocate money to the essentials. Identify all sources of income and list monthly expenses, categorizing them as essential expenses such as mortgage and utility bills, and wants, such as entertainment and dining out.Then set aside money for your savings. If you budget and put savings into an account at the beginning of each month, you’ll know how much you have left to work with while knowing you’re building your nest egg.Once a budget is in place, you can involve your children in the process. Teaching them the value of responsible spending and saving early gives them skills for adulthood. Simple practices, such as using a piggy bank for younger children or opening a savings account for teens, can help build good financial habits..u6282cdb8b9629e125f8855b44a4afe6f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u6282cdb8b9629e125f8855b44a4afe6f:active, .u6282cdb8b9629e125f8855b44a4afe6f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u6282cdb8b9629e125f8855b44a4afe6f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u6282cdb8b9629e125f8855b44a4afe6f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u6282cdb8b9629e125f8855b44a4afe6f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u6282cdb8b9629e125f8855b44a4afe6f:hover .postTitle { text-decoration: underline!important; } See alsoA healthy relationship: how do you recognize it?Emergency fundFrom sudden medical expenses to job loss, unexpected expenses can put a strain on family finances. By using the savings you budgeted as an emergency fund, you have a financial safety net, meaning you don’t have to rely on loans or credit cards when times get tough.Financial advisors recommend saving three to six months of living expenses. Start small by setting aside a set amount each month and consider placing these savings in an accessible, interest-bearing account.Retirement savingsRetirement may seem far away, but starting early is one of the most effective ways to build a secure future. Explore workplace pension schemes, such as those mandated by the UK’s automatic enrollment programmeand maximize employer contributions.Diversification of investments can also boost long-term savings. Consider shares, bonds or index funds, which offer growth potential in the long term. You may also want to look into trading; index trading or participating in the foreign exchange market may be viable options to explore.It’s worth consulting a financial advisor who can help you tailor your investment strategy to your risk tolerance and goals.Higher educationFor families with children, saving for college costs is an important consideration. Tuition fees in England can exceed £9,000 annually, not including housing or living costs. Early planning can ease this financial burden.Junior Individual Savings Accounts (JISAs) or special savings plans can help you put money aside for your child’s education. Encourage contributions from family members, such as grandparents, to grow the fund faster. Every little bit saved today reduces the pressure of tomorrow..u4710cfe8a45c24cbffd9765ca00f64d3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4710cfe8a45c24cbffd9765ca00f64d3:active, .u4710cfe8a45c24cbffd9765ca00f64d3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4710cfe8a45c24cbffd9765ca00f64d3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4710cfe8a45c24cbffd9765ca00f64d3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4710cfe8a45c24cbffd9765ca00f64d3 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u4710cfe8a45c24cbffd9765ca00f64d3:hover .postTitle { text-decoration: underline!important; } See alsoMy favorite Adidas tracksuits for women for a lazy dayTake the time now to set goals for your future. Whatever stage you’re in, whether you’re buying your first home or exploring your retirement options, it’s never too late to start planning for your family.

Man United's pursuit of Ruben Amorim is waved through by rivals Man City
Sports 2025-12-24 02:25:36

Man United's pursuit of Ruben Amorim is waved through by rivals Man City

Manchester United target Ruben Amorim has not been among the names considered by Man City as a potential successor to Pep Guardiola, Mail Sport understands.The Red Devils entered talks with Sporting Lisbon on Monday for Amorim, as the club seeks a swift appointment following the sacking of Erik ten Hag. Manchester United target Ruben Amorim has not been among the names considered by Man City as a potential successor to Pep Guardiola, Mail Sport understands. The Red Devils entered talks with Sporting Lisbon on Monday for Amorim, as the club seeks a swift appointment following the sacking of Erik ten Hag. It is understood that Amorim was planning to leave Sporting at the end of the season, but was made aware of United’s interest earlier this month and has had two rounds of talks. The 39-year-old has also been linked with reigning Premier League champions Man City if Guardiola opts to leave the club in the summer at the end of his contract. Mail Sport understands Amorim is not under consideration, despite his relationship with Hugo Viana. Man City agreed a deal earlier this month for Viana, a former Newcastle midfielder, to take over as sporting director at the end of the season. He will succeed Txiki Begiristain when the renowned sporting director steps down at Man City. Viana has held the same role at Sporting and made the key decision to pay more than £10million to take Amorim from Braga in 2020. The decision has been seen as the catalyst for their spell of dominance in Portugal in recent seasons. Despite a belief in Portugal that Amorim and Viana would link-up again in England, it is understood Man City prefer for their next coach to align to Guardiola and Begiristain's style of play. Amorim had played down suggestions he could follow Viana to Man City earlier this month. 'We didn't talk about that because they are two completely different paths,' he said. 'I know that people made that connection. Viana's path is Viana's path. My path is my path. 'We only have a professional relationship that won't last forever, but it's certain that the friendship will last.' The 39-year-old is said to be 'wedded' to his 3-4-3 formation which he has adopted with great success at Sporting. Sporting have won two league titles under Amorim and have won nine successive matches at the start of this domestic season. The Portuguese giants are also eighth in the early Champions League table after making an unbeaten start to the competition. Amorim's side have beaten Lille and Sturm Graz in the league phase of the competition, as well as drawing with PSV. Sporting face Man City in their next Champions League match on November 5. Mail Sport revealed last week that Amorim was one of four targets if Ten Hag was axed, and United announced on Monday morning that the Dutchman’s two-and-a-half-year reign at Old Trafford was over. His assistant Ruud van Nistelrooy has been put in temporary charge, but United swiftly opened talks with Amorim and Sporting over triggering the £8.5millon release clause in his contract in Portugal. The 39-year-old, who was interviewed over the managerial vacancies at Liverpool and West Ham earlier this year, is said to be open to a move to Old Trafford. Asked about the links to United in the wake of Ten Hag’s sacking, he said on Monday: ‘I was already expecting this question and obviously I’m not going to talk about the future, because otherwise I’ll always have to comment. I’m very proud to be Sporting coach, that’s all.’ United took the decision to sack Ten Hag with the club lying 14th in the Premier League following Sunday’s defeat at West Ham, and in the bottom half of the Europa League. He was summoned to a meeting with chief executive Omar Berrada and sporting director Dan Ashworth at Carrington on Monday morning and informed of the decision. The 54-year-old Dutchman, who is expected to receive up to £15m in compensation, flew to Holland on a private jet around lunchtime.

Holistic self -care after an injury to maximize healing
Health 2025-12-21 17:50:14

Holistic self -care after an injury to maximize healing

ContentsPhysical recoveryPeace and sleep matters more than you thinkMovement is essential, but pace yourselfFood can speed up or delay healingNutrients that support recovery:Alternative therapies can offer reliefMental and emotional well -beingStress slows recovery – here is how to manage itStaying positive helps more than you thinkLean on support systemsLifestyle adjustments for a smoother recoveryRecoveryManaging medical costs and lost incomeThree ways to remain financially stable during recoveryHow a lawyer can helpRemain social and involvedWellness and long -term injury preventionKeep your body strongAvoid retariaConverting recovery into strengthHealing After an injury goes beyond physical recovery. Every choice – from managing pain to adjusting daily routines – confirms your progress. Strength and mobility takes time to rebuild, but frustration and setbacks do not have to define the process. Focus on small, deliberate steps can feel recovery less overwhelming and help you get control back. Physically, emotional, mental and financial well -being all forms the way to healing and tackling each creates a smoother, more complete recovery.Physical recoveryPeace and sleep matters more than you thinkYour body does most of his healing while you sleep. Deep, continuous rest ensures that tissues can repair, reduces inflammation and restores the energy. Poor sleep, on the other hand, slows the process and increases the sensitivity to pain. If discomfort makes it difficult to get a full night’s sleep, adjust sleeping positions, use supporting pillows or to add warmth or ice before bed can help.Keeping a consistent sleeping schedule also improves recovery. Going to bed and waking up every day at the same time, avoiding screens before bedtime, and limiting caffeine in the afternoon can improve sleep quality.Movement is essential, but pace yourselfStaying inactive for too long can lead to stiffness, muscle loss and circulation problems. Soft movement when appropriate occasion helps these complications and support long-term recovery.Instead of pushing pain, concentrate on slow, deliberate movement. Short walks, light stretching and the doctor approved by the doctor keeps the blood flowing and preventing muscles from weakening. A physiotherapist can offer a structured plan that builds up strength and flexibility without overload.Ringing to heavy activity can lead to setbacks too quickly. Recovery is a process and gradual progress is more effective than trying to force a rapid return to normal activity..u21b1dff27cbb81de81bd64e88f9b4adf { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u21b1dff27cbb81de81bd64e88f9b4adf:active, .u21b1dff27cbb81de81bd64e88f9b4adf:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u21b1dff27cbb81de81bd64e88f9b4adf { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u21b1dff27cbb81de81bd64e88f9b4adf .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u21b1dff27cbb81de81bd64e88f9b4adf .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u21b1dff27cbb81de81bd64e88f9b4adf:hover .postTitle { text-decoration: underline!important; } See alsoTop-Rated Funeral Homes In New York For Holistic End-Of-Life SupportFood can speed up or delay healingThe body trusts the right diet to restore itself. Eating the right food can help reduce inflammation, improve energy levels and strengthen tissues.Nutrients that support recovery:Egg white:Essential for rebuilding muscles and connective tissue (lean meat, eggs, beans and nuts).Healthy fats:Reduce inflammation and support cell repair (avocados, olive oil and cool fish).Antioxidants:Protect tissues against damage and support the immune system (leaf green, berries and citrus fruits).Hydration:Keep joints lubricated and rinses toxins (water is the best; avoid excessive caffeine or sugary drinks).Nutrient-tight meals improve the recovery speed and overall energy, making daily activities easier.Alternative therapies can offer reliefAlthough traditional medical treatment is important, extra therapies support pain management and general well -being.Some people find lighting with:Massage therapyTo improve blood circulation and to relieve tension.AcupunctureTo stimulate nerve paths and manage pain.Chiropraction careTo correct incorrect alignments that contribute to discomfort.Before an alternative treatment is started, consulting with a doctor can help determine whether it fits within a safe and effective recovery plan.Mental and emotional well -beingStress slows recovery – here is how to manage itPain, limited mobility and financial worries ensure stress that stays much further than physical injury. Stress is not only frustrating – it slows the healing by increasing inflammation, weakening the immune system and making it more difficult to stay motivated.Taking control of stress can make a real difference in both physical and emotional recovery. Deep breathing exercises and guided meditation help calm the nervous system, while light movement stimulates blood circulation and facilitates the tension. Writing down thoughts in a diary can also provide clarity and offer a way to process emotions and follow the progress over time. Small efforts are correct, which makes recovery feel less overwhelming and more within reach.Staying positive helps more than you thinkIt is easy to concentrate on what was lost after an injury, but shifting attention to minor improvements makes a considerable difference. Setting feasible goals – which increases mobility, the pain levels or completes daily tasks – build helps on strength..u5a40708fc07ac22f704fd6519bb30eb0 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u5a40708fc07ac22f704fd6519bb30eb0:active, .u5a40708fc07ac22f704fd6519bb30eb0:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u5a40708fc07ac22f704fd6519bb30eb0 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u5a40708fc07ac22f704fd6519bb30eb0 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u5a40708fc07ac22f704fd6519bb30eb0 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u5a40708fc07ac22f704fd6519bb30eb0:hover .postTitle { text-decoration: underline!important; } See alsoWhy sunscreen should be a part of your skin care routineA gratitude practice can also shift perspective. Instead of considering restrictions, focusing on what is still possible can create a sense of progress. Every step forward, no matter how small, brings you closer to full recovery.Lean on support systemsRecovery can feel insulating, but connecting with others helps to maintain motivation. Talking with familiar friends and relatives offers encouragement. Support groups – online or personal – can also be useful, especially for those who recover from similar injuries.For those who struggle with the emotional impact of an injury, professional counseling can offer guidelines for coping strategies. Searching for support is not a sign of weakness; It is a way to build resilience and to maintain the overall well -being.Lifestyle adjustments for a smoother recoveryDaily routines may have to change temporarily. Reaching living spaces to keep essential items within reach can reduce the voltage. Ergonomic seats, supporting pillows and tools can make movement more comfortable.Managing pain in a natural way is another important consideration. Heat and ice therapy help with inflammation, while ethereal oils such as lavender and peppermint can promote relaxation. Even light stretching or respiratory exercises can relieve tension and discomfort.Adjustments can feel awkward in the beginning, but they make daily life easier and support healing in the long term.RecoveryManaging medical costs and lost incomeInjuries bring unexpected financial challenges that add stress to an already difficult recovery. Medical accounts are piling up, wages disappear and the costs of rehabilitation add a different pressure layer. Without a plan it is easy to feel overwhelmed. Focus on necessary expenses and exploring options for financial assistance can offer lighting, so that you can place energy where it belongs – to healing.For those who cannot work, the employer can offer temporary lighting benefits for the disabled or government utensils. Many medical care providers also offer payment plans, making it easier to manage the costs of health care without financial tension.Three ways to remain financially stable during recoveryUse wisely savings– Prioritize mandatory costs and avoid unnecessary expenses.Negotiating medical accounts– Many providers offer discounts for payments or structured payment plans.Consider legal options– If the injury was caused by someone else’s negligence, a fee can be available. Consult a lawyer..ud875d3b68c0102cf2370c847716bb055 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ud875d3b68c0102cf2370c847716bb055:active, .ud875d3b68c0102cf2370c847716bb055:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ud875d3b68c0102cf2370c847716bb055 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ud875d3b68c0102cf2370c847716bb055 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ud875d3b68c0102cf2370c847716bb055 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ud875d3b68c0102cf2370c847716bb055:hover .postTitle { text-decoration: underline!important; } See alsoHelpful tips for writing a great health and wellness blogHow a lawyer can helpIf an injury prevents work or leads to unexpected expenses, help a Personal injury lawyer Can be an option. Medical accounts, lost income and costs for long -term care are quickly absorbed.A lawyer for personal injury can:Collect medical files and evidence to support a claim.Negotiating with insurance companies to obtain a fair settlement.Take action if an insurer refuses to pay what is due.A lawyer with experience in comparable cases and a transparent reimbursement structure offers the right support during the claim process. Many offer free consultation, giving you the opportunity to ask questions and to decide whether the pursuit of a case makes sense for your situation.Remain social and involvedHealing can feel insulating, especially if mobility is limited. Staying connected helps to maintain a sense of normality. Online communities, virtual meetups or new hobbies can offer meaningful involvement during recovery.Finding ways to remain involved-by means of reading, creative projects or light activity-in-law boredom and improves emotional well-being.Wellness and long -term injury preventionKeep your body strongRecovery does not end as soon as the pain decreases. Maintaining strength prevents future injuries and improves long -term health. Low impact exercises such as yoga, swimming and resistance training help to build stability and flexibility.Regularly stretching and practicing the correct posture also reduces the pressure on healing muscles and joints.Avoid retariaInjury prevention amounts to consciousness and preparation. The use of ergonomic workstations, warming up before physical activity and the wearing of protective equipment when needed, can reduce the risk of redeshade.Converting recovery into strengthHealing happens not coincidentally – it is done through action. Rest and medical treatment are important, but real progress comes from the choices made every day. Power comes from adapting challenges, finding new ways to move forward and to stay focused on progress.Giving priority to physical health, emotional resilience and financial stability changes the recovery process in slightly more than just coming back to where you were creating a basis for long-term well-being. Small, consistent efforts build Momentum on and after time those efforts are correct. With the right mindset and approach, recovery creates opportunities for growth, renewed trust and the possibility of coming back stronger.

The secret of relaxing daily pains without medication
Health 2026-01-02 03:42:24

The secret of relaxing daily pains without medication

ContentsMovement and stretching priorityImprove your attitudeUse heat and cold therapyStay hydrated and eat anti -inflammatory foodsPractice stress managementGet enough restPain and pain are a normal part of life, whether it’s long hours on a desk, physical activity or just aging. Although medication can offer lighting, it often comes with side effects or the risk of dependence. The good news is that there are natural and effective ways to relieve discomfort without trusting pills. By making small changes to your daily routine, you can reduce pain and improve your overall well -being.In places like Manitowoc Rehabilitation CenterExperts emphasize the importance of movement, attitude and lifestyle adjustments to manage pain in a natural way. These strategies not only treat existing discomfort, but can also prevent future problems. Whether you are dealing with stiff joints, painful muscles or general fatigue, absorbing some important habits can make a considerable difference.Movement and stretching priorityA sitting lifestyle can contribute to stiffness and chronic pain. The body is designed to move and regular physical activity helps to keep muscles flexible and strong.Gently stretchIn the morning and all day, the voltage can reduce and improve mobility. Simple movements such as shoulder rolls, neck stretches and lower back traces can immediately offer lighting.Low-Impact ExercisesSuch as walking, swimming or yoga helping to maintain joint health and improve blood circulation, reducing the long -term pain.Strength trainingBuilds muscles to support the joints, prevent tension and reduce discomfort caused by weak or unbalanced muscles..ua0787ba0378721c8a66c8b24f453f247 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ua0787ba0378721c8a66c8b24f453f247:active, .ua0787ba0378721c8a66c8b24f453f247:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ua0787ba0378721c8a66c8b24f453f247 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ua0787ba0378721c8a66c8b24f453f247 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ua0787ba0378721c8a66c8b24f453f247 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ua0787ba0378721c8a66c8b24f453f247:hover .postTitle { text-decoration: underline!important; } See alsoTitle Insurance: An Ultimate GuideEven small efforts – like getting up every 30 minutes when they work on a desk – can make a noticeable difference.Improve your attitudePoor posture is one of the main causes of chronic pain, especially in the neck, shoulders and lower back. Many people develop bad habits over time, such as slungels while they are sitting for a longer period of time or watching a phone.To improve the attitude:Keep your shoulders relaxed and back when you sit or stand.Use an ergonomic chair or pillow to support your lower back.Adjust your computer screen to eye level to prevent your neck from containing.Sleep with the right alignment – The use of a supporting pillow and mattress can prevent stiffness.Making these small adjustments can significantly reduce the tension on your muscles and joints.Use heat and cold therapyAlternating between heat and cold can be an effective way Management of pain and inflammation.Heat -therapy(such as heating cushions, warm baths or heat packages) Relaxes muscles and improves blood flow, which can help with chronic pain.Cold therapy(such as ice packages or cold compresses) Narn sharp pain and reduces swelling, making it useful for injuries or flare -ups.Knowing when each method should be used can maximize enlightenment – Hit is ideal for stiffness and chronic pain, while cold is best for sudden pain and inflammation.Stay hydrated and eat anti -inflammatory foodsWhat you put in your body plays a major role in how you feel. Dehydration can cause muscle cramps and stiffness, so it is essential to drink enough water..u2b6f0f35c66fa254ede146c1c5ec834b { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u2b6f0f35c66fa254ede146c1c5ec834b:active, .u2b6f0f35c66fa254ede146c1c5ec834b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u2b6f0f35c66fa254ede146c1c5ec834b { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u2b6f0f35c66fa254ede146c1c5ec834b .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u2b6f0f35c66fa254ede146c1c5ec834b .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u2b6f0f35c66fa254ede146c1c5ec834b:hover .postTitle { text-decoration: underline!important; } See alsoBoost Your Sexual Performance With Natural And Effective GummiesMoreover, an anti -inflammatory diet can help reduce pain over time. Foods rich in omega-3 fatty acids (such as salmon and linseed), leafy vegetables, berries and nuts have natural painful properties. On the other hand, processed foods, excessive sugar and alcohol can contribute to inflammation and discomfort.Practice stress managementStress and pain are closely connected – when the body is tense, muscles become tighter, which leads to increased discomfort. The effective management of stress can help prevent unnecessary pain.Some simple but effective techniques for stress -lowering techniques include:Deep breathing exercisesTo relax tense muscles.Meditation or MindfulnessTo shift the focus away from pain.Massage therapyTo facilitate tension and improve blood circulation.Even taking a few minutes every day to relax can lead to long -term improvements in both pain and overall health.Get enough restSleep is when the body recovers itself, making it crucial for pain management. Bad sleep can cause pains to feel worse, while good quality rest allows the muscles to heal and restore.To improve sleep:Enforce a consistent sleeping schedule.Avoid screens before bedtime to support natural melatonin production.Create a comfortable sleeping environment with minimal light and noise.A well -equipped body is better equipped to handle daily activities without discomfort.The application of small changes to your routine can lead to noticeable improvements in how you feel. By concentrating on movement, posture, diet, stress management and tranquility, you can reduce pains and improve your quality of life – without trusting medication

You can get up to 5.00% APY on the best high-yield savings account on Oct. 29, 2025
Personal Finance 2025-12-21 12:14:21

You can get up to 5.00% APY on the best high-yield savings account on Oct. 29, 2025

Now’s a great time to open up a new savings account to reach your financial goals. Many of the best savings account rates on the market are above 4.00%, and a few outliers may even reach close to 5.00%.Rising inflation and economic uncertainty prompted the Federal Reserve to pause further rate cuts over the past several months. But that changed at the central bank’s Sept. 16-17 meeting, when the Fed cut the federal funds rate by a quarter percentage point.Savings account APYs remained relatively stable in the first part of 2025, but are likely to decrease if markets anticipate additional Fed rate cuts. And, with two more Fed meetings on the calendar for later this year, more cuts are indeed possible.For investors who want to maximize their returns or save for a new financial goal,Fortunehas collaborated with Curinos, a team of financial industry experts, to provide an overview of the most competitive high-yield savings account rates available on October 29, 2025.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.DCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredNew Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesVIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #wgZaNkmexkYXliZM .spinner { display: none; 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justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #wgZaNkmexkYXliZM .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #wgZaNkmexkYXliZM .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #wgZaNkmexkYXliZM .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #wgZaNkmexkYXliZM .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #wgZaNkmexkYXliZM .disclosure-contnr { text-align: center; } #wgZaNkmexkYXliZM .listing-header-cntnr { margin-top: 34px; } #wgZaNkmexkYXliZM .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #wgZaNkmexkYXliZM .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #wgZaNkmexkYXliZM .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #wgZaNkmexkYXliZM .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #wgZaNkmexkYXliZM .apy-label { font: normal normal 900 24px / 28px Roboto; } #wgZaNkmexkYXliZM .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #wgZaNkmexkYXliZM .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #wgZaNkmexkYXliZM .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #wgZaNkmexkYXliZM .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #wgZaNkmexkYXliZM .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #wgZaNkmexkYXliZM .additional-content { margin-top: 0px !important; } #wgZaNkmexkYXliZM .additional-content ul li { margin-bottom: 0; } #wgZaNkmexkYXliZM .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #wgZaNkmexkYXliZM .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #wgZaNkmexkYXliZM .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #wgZaNkmexkYXliZM .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #wgZaNkmexkYXliZM .shArrow { width: 12px; height: 7px; } #wgZaNkmexkYXliZM span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #wgZaNkmexkYXliZM .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #wgZaNkmexkYXliZM .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #wgZaNkmexkYXliZM #see_more_carrier, #wgZaNkmexkYXliZM .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #wgZaNkmexkYXliZM .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #wgZaNkmexkYXliZM .apy-label p { margin-top: 0px; margin-bottom: 0px; } #wgZaNkmexkYXliZM .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #wgZaNkmexkYXliZM { padding: 0 26px; } #wgZaNkmexkYXliZM .logo-image-wrapper { width: 136px; } #wgZaNkmexkYXliZM .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #wgZaNkmexkYXliZM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #wgZaNkmexkYXliZM .prop-value-container .apy-container { flex: 0 0 44%; } #wgZaNkmexkYXliZM .prop-value-container .mfee-container, #wgZaNkmexkYXliZM .prop-value-container .minvalue-container { flex: 0 0 28%; } #wgZaNkmexkYXliZM .ad-copy-top-section { margin-bottom: 15px; } #wgZaNkmexkYXliZM .sh-row-product-title { max-width: 136px; } #wgZaNkmexkYXliZM .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #wgZaNkmexkYXliZM .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #wgZaNkmexkYXliZM .logo-image-wrapper { width: 100%; max-width: 292px; } #wgZaNkmexkYXliZM .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #wgZaNkmexkYXliZM .ad-copy { margin-left: 0; } #wgZaNkmexkYXliZM .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #wgZaNkmexkYXliZM .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #wgZaNkmexkYXliZM .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #wgZaNkmexkYXliZM .see-more-text { padding: 16px 15px; } #wgZaNkmexkYXliZM .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #wgZaNkmexkYXliZM .top-section-right { margin-left: 0px; } #wgZaNkmexkYXliZM .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #wgZaNkmexkYXliZM.sizeone .header-section { padding: 6px 10px; } } #wgZaNkmexkYXliZM.sh-box650.device-desktop .row-1 { padding-left: 14px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box700.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box750.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box800.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box850.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box900.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box700.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box750.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box800.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box850.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box900.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box700.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box750.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box800.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box850.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box900.device-desktop .listing-title, #wgZaNkmexkYXliZM.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box700.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box750.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box800.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box850.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box900.device-desktop .shmktpl-button, #wgZaNkmexkYXliZM.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box750.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box800.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box850.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box900.device-desktop .prop-value-container .apy-container, #wgZaNkmexkYXliZM.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box750.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box800.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box850.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box900.device-desktop .prop-value-container .mfee-container, #wgZaNkmexkYXliZM.sh-box950.device-desktop .prop-value-container .mfee-container #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box750.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box800.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box850.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box900.device-desktop .prop-value-container .minvalue-container, #wgZaNkmexkYXliZM.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box700.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box750.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box800.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box850.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box900.device-desktop .sh-row-product-title, #wgZaNkmexkYXliZM.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box700.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box750.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box800.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box850.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box900.device-desktop .disclosure-content ul li, #wgZaNkmexkYXliZM.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box700.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box750.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box800.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box850.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box900.device-desktop .ad-copy-top-section, #wgZaNkmexkYXliZM.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #wgZaNkmexkYXliZM.sh-box650.device-desktop .row-1, #wgZaNkmexkYXliZM.sh-box700.device-desktop .row-1 , #wgZaNkmexkYXliZM.sh-box650.device-desktop .row-2, #wgZaNkmexkYXliZM.sh-box700.device-desktop .row-2 , #wgZaNkmexkYXliZM.sh-box500.device-desktop .row-1, #wgZaNkmexkYXliZM.sh-box550.device-desktop .row-1 , #wgZaNkmexkYXliZM.sh-box500.device-desktop .row-2, #wgZaNkmexkYXliZM.sh-box550.device-desktop .row-2{ display: unset; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box700.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box550.device-desktop .ad-copy, #wgZaNkmexkYXliZM.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box700.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box550.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box500.device-desktop .apy-label, #wgZaNkmexkYXliZM.sh-box650.device-desktop .prop-value, #wgZaNkmexkYXliZM.sh-box700.device-desktop .prop-value, #wgZaNkmexkYXliZM.sh-box550.device-desktop .prop-value, #wgZaNkmexkYXliZM.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box700.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box550.device-desktop .logo-image-wrapper, #wgZaNkmexkYXliZM.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #wgZaNkmexkYXliZM.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#wgZaNkmexkYXliZM.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#wgZaNkmexkYXliZM.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#wgZaNkmexkYXliZM.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #wgZaNkmexkYXliZM .shmktpl-title, #wgZaNkmexkYXliZM .sub-heading-container, #wgZaNkmexkYXliZM .filter-check-options-cntnr, #wgZaNkmexkYXliZM .listing-header-cntnr { display: none; } #wgZaNkmexkYXliZM.title .shmktpl-title, #wgZaNkmexkYXliZM.subHeading .sub-heading-container, #wgZaNkmexkYXliZM.multiSelectFilter .filter-check-options-cntnr, #wgZaNkmexkYXliZM.resultsText .listing-header-cntnr { display: flex; } #wgZaNkmexkYXliZM.sizeone .add-overlay-content { width: 62%; height: auto; } #wgZaNkmexkYXliZM.sizeone .disclosure-title { padding: 6px 0px; } #wgZaNkmexkYXliZM.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #wgZaNkmexkYXliZM .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #wgZaNkmexkYXliZM.sizeone .title-container { margin-top: 0; } #wgZaNkmexkYXliZM.sizeone .non_featured_list { margin-top: 0; } #wgZaNkmexkYXliZM.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #wgZaNkmexkYXliZM.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #wgZaNkmexkYXliZM .item { flex: 1 1 calc(50% - 48px); } #wgZaNkmexkYXliZM .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #wgZaNkmexkYXliZM .item:nth-of-type(4n+3), #wgZaNkmexkYXliZM .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #wgZaNkmexkYXliZM .item:nth-of-type(4n+1), #wgZaNkmexkYXliZM .item:nth-of-type(4n+1) + * { background-color: #fff; } #wgZaNkmexkYXliZM .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #wgZaNkmexkYXliZM .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #wgZaNkmexkYXliZM .desktop, #wgZaNkmexkYXliZM .desktop-inline { display: none; } #wgZaNkmexkYXliZM .mobile { display: block !important; } #wgZaNkmexkYXliZM { padding: 0 18px; } #wgZaNkmexkYXliZM .shmktpl-title { font-size: 24px; line-height: 29px; } #wgZaNkmexkYXliZM .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #wgZaNkmexkYXliZM .add-overlay-content { width: 80%; height: auto; } #wgZaNkmexkYXliZM .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #wgZaNkmexkYXliZM .row-1 { flex-flow: column; padding: 16px; } #wgZaNkmexkYXliZM .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #wgZaNkmexkYXliZM .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #wgZaNkmexkYXliZM .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #wgZaNkmexkYXliZM .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #wgZaNkmexkYXliZM .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #wgZaNkmexkYXliZM .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #wgZaNkmexkYXliZM .prop-value { margin-top: 0; } #wgZaNkmexkYXliZM .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #wgZaNkmexkYXliZM .non_featured_list { margin-top: 18px; } #wgZaNkmexkYXliZM .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #wgZaNkmexkYXliZM .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #wgZaNkmexkYXliZM .item:nth-child(3n), #wgZaNkmexkYXliZM .desktop-bg { background: none; } #wgZaNkmexkYXliZM .prod-desc-popup-content { padding: 0; } #wgZaNkmexkYXliZM .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #wgZaNkmexkYXliZM .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #wgZaNkmexkYXliZM .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #wgZaNkmexkYXliZM .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #wgZaNkmexkYXliZM .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #wgZaNkmexkYXliZM .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #wgZaNkmexkYXliZM .disclosure-content ul { padding-left: 14px; line-height: 28px; } #wgZaNkmexkYXliZM .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #wgZaNkmexkYXliZM .additional-features { flex: 0 0 100%; } #wgZaNkmexkYXliZM .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #wgZaNkmexkYXliZM.sizeone .listing-header-cntnr { display: none; } #wgZaNkmexkYXliZM.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #wgZaNkmexkYXliZM .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #wgZaNkmexkYXliZM .prod-desc-popup-content { position: fixed; } } #wgZaNkmexkYXliZM.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #wgZaNkmexkYXliZM.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #wgZaNkmexkYXliZM.listingAlignment .logo-image-wrapper img { width: 100%; } #wgZaNkmexkYXliZM.listingAlignment { padding: 0px; } #wgZaNkmexkYXliZM.listingAlignment .listing-title { font-size: 14px; } #wgZaNkmexkYXliZM.listingAlignment .listing-title span { font-size: 14px; } #wgZaNkmexkYXliZM.listingAlignment .row-1 { padding: 26px 10px; } #wgZaNkmexkYXliZM.listingAlignment .prop-name { font-size: 10px; } #wgZaNkmexkYXliZM.listingAlignment .prop-value { font-size: 14px } #wgZaNkmexkYXliZM.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #wgZaNkmexkYXliZM.listingAlignment .logo-column.flex-container { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .prop-conatiner { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .ad-copy-column.flex-container { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .cta-column.flex-container { flex: unset; } #wgZaNkmexkYXliZM.listingAlignment .disclosure-content ul li::before { content: unset; } #wgZaNkmexkYXliZM.listingAlignment .disclosure-content ul li { list-style: disc; } } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #wgZaNkmexkYXliZM.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #wgZaNkmexkYXliZM.ctaAlignment .cta-column.flex-container { display: block !important; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button { font-size: 16px; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #wgZaNkmexkYXliZM.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #wgZaNkmexkYXliZM .sh-no-listing-msg { padding: 20px 0px; } #wgZaNkmexkYXliZM .sh-widget-footer-MBT { display: none; } #wgZaNkmexkYXliZM.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #wgZaNkmexkYXliZM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #wgZaNkmexkYXliZM.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #wgZaNkmexkYXliZM .sh-widget-footer-QS { display: none; } #wgZaNkmexkYXliZM.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #wgZaNkmexkYXliZM.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #wgZaNkmexkYXliZM.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #wgZaNkmexkYXliZM .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #wgZaNkmexkYXliZM.customizeColorEffect .listing-title, #wgZaNkmexkYXliZM.customizeColorEffect .prop-name, #wgZaNkmexkYXliZM.customizeColorEffect .prop-value, #wgZaNkmexkYXliZM.customizeColorEffect .curDate, #wgZaNkmexkYXliZM.customizeColorEffect span.current-date, #wgZaNkmexkYXliZM.customizeColorEffect .disclosure-content ul li, #wgZaNkmexkYXliZM.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #wgZaNkmexkYXliZM.customizeColorEffect .add-text, #wgZaNkmexkYXliZM.customizeColorEffect .see-more-text, #wgZaNkmexkYXliZM.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #wgZaNkmexkYXliZM.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #wgZaNkmexkYXliZM.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #wgZaNkmexkYXliZM.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #wgZaNkmexkYXliZM.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #wgZaNkmexkYXliZM.sizeone.customizeColorEffect .header-section, #wgZaNkmexkYXliZM.customizeColorEffect .row-2 { background: #E9F0EC; } #wgZaNkmexkYXliZM.customizeColorEffect .listing-title { display: unset; } #wgZaNkmexkYXliZM.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #wgZaNkmexkYXliZM.customizeColorEffect .listing-title .prod-name:hover, #wgZaNkmexkYXliZM.customizeColorEffect .listing-title:hover, #wgZaNkmexkYXliZM.customizeColorEffect .add-text:hover, #wgZaNkmexkYXliZM.customizeColorEffect .disclosure-contnr .text:hover, #wgZaNkmexkYXliZM.customizeColorEffect .see-more-text:hover { color: #EB0017; } #wgZaNkmexkYXliZM.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #wgZaNkmexkYXliZM.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #wgZaNkmexkYXliZM.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; 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color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings account rates on October 29, 2025: Earn up to 5.00% APYVaro Bank has the best savings account rate, offering up to 5.00% APY. As part of our ongoing commitment to help readers optimize their savings,Fortunecontinuously monitors the top rates offered by leading U.S. financial institutions. Compare the top savings account rates below:FDIC average national deposit rates: January 2020 to presentThe rates listed above are significantly higher than the national average of0.41%%that you’ll find on many accounts. And after the Fed’s recent rate cuts this average has been falling, down from a previous high of 0.47% in March 2024.Savings account news in 2025The Federal Reserve’s monetary policy decisions play a key role in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the APYs offered on savings accounts to remain competitive. Conversely, when the central bank lowers rates, savings account yields generally decrease.At present, the federal funds rate stands at 4.00%-4.25%. It long remained at 4.25%-4.50% after the December 2024 meeting, but the central bank made a quarter percentage point cut when it met Sept. 16-17, 2025.It’s possible we’ll see savings account APYs dip, especially if banks anticipate the Fed may cut rates further when it meets in October and December of this year.Still, bear in mind that the linkage between Fed rates and savings yields isn’t always so direct. Banks adjust their savings rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Here’s why finding high-yield savings account is importantThe key difference between high-yield and traditional savings accounts lies in the interest rate offered; High-yield accounts typically provide rates 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is0.41%, many of the high-yield accounts on our list offer rates above 4.00%.Traditional accounts often come with physical branch access but lower rates, while high-yield accounts are typically offered by online banks. They feature higher rates but no option for in-person services. Just remember that no matter what type of account you have, you’ll owe the IRS a portion of the interest earned.Substantially higher interest rates aren’t the only perk you get from these accounts, either. They’re often free from minimum balance requirements or monthly fees. Your liquid funds remain easily accessible, making them ideal for emergency funds or short-term savings goals. And these online accounts are still FDIC-insured, providing the same protection as traditional banks.When comparing savings accounts, keep these factors in mind:Interest rates:Look for competitive APYs to maximize your earnings.Minimum balance requirements:Many high-yield accounts have no minimums.Fee structure:Avoid accounts with monthly maintenance fees.Fund accessibility:Ensure easy withdrawals or transfers when needed, preferably without charging foreign ATM feesSecurity:Verify FDIC insurance coverage.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?The frequency with which your high-yield savings account’s rate changes isn’t set in stone. Financial institutions can update APYs at their discretion, but changes are commonly linked to moves in the federal funds rate set by the Federal Reserve.Should I switch banks if I find a savings account with a higher rate?If you find a higher APY elsewhere, it might be smart to switch, but only after checking if the extra interest earned would be substantial and if the new account’s terms (for example, minimum deposit requirements) fit your needs.How easy is it to withdraw money from a HYSA?It’s typically simple to take money out of a HYSA, especially assuming your bank offers digital transfers. Just know that even though federal limits on withdrawals have been lifted, some banks continue to restrict you to six per statement cycle.Should I choose an online-only bank for my HYSA?Online banks frequently offer more competitive yields on savings accounts, so they’re a great place to look when searching for the best high-yield options.Can I lose money in a high-yield savings account?With FDIC or NCUA insurance, your principal in a HYSA is secure up to the insurance max. However, if the account’s APY is lower than inflation, your money’s buying power could decrease over time.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Slot breaks his silence on Ten Hag's Man United sacking
Sports 2025-12-14 23:20:10

Slot breaks his silence on Ten Hag's Man United sacking

Liverpool head coach Arne Slot has offered his thoughts on Erik ten Hag's sacking at Manchester United.Ten Hag was axed by United on Monday after a little over two years in charge following a disappointing start to the season, with United down in 14th in the Premier League and yet to register a win in Europe. Liverpool head coach Arne Slot has offered his thoughts on Erik ten Hag's sacking at Manchester United. Ten Hag was axed by United on Monday after a little over two years in charge following a disappointing start to the season, with United down in 14th in the Premier League and yet to register a win in Europe. Slot only arrived in England this summer, but played his part in Ten Hag's downfall as he led his Liverpool side to a 3-0 win at Old Trafford last month. Despite the rivalry that exists between Liverpool and United, Slot has offered some sympathy for Ten Hag's situation, and has tipped his fellow Dutchman to bounce back. 'He's a Dutch manager which makes it even harder for me, for us as Dutch people,' Slot said at a press conference ahead of Liverpool's trip to Brighton for their Carabao Cup tie on Wednesday. 'Always your first thoughts are with the person. We are all in this job so we know it can happen, but if it happens, especially because I know him a little bit and I know how much work he puts into it, then to get this news for him is a pity. 'But we also know, especially coming from Holland, how well he did at Ajax and that he won two trophies over here so we will see him in the near future somewhere at a big club again. At this moment, for him and his family it's a big disappointment.' Prior to his arrival at Anfield, Ten Hag had appeared to aim a jibe at Slot back in May when he downplayed Feyenoord's achievements last season. Feyenoord finished seven points behind champions PSV Eindhoven, and Ten Hag told Voetbal International: 'People have been going overly lyrical about Feyenoord. 'Feyenoord were steady this year, but not top. PSV Eindhoven were two classes better in all areas. In terms of dominating the ball, in terms of putting pressure, in terms of intensity, you name it.' https://img.allfootballapp.com/www/M00/59/8B/720x-/-/-/CgAGVmcg4UeAalLRAADvfFf7chE771.jpg He added: 'PSV Eindhoven were better than the rest by such a long distance, even so much better than Feyenoord.' But Slot gained his revenge earlier this season as Liverpool eased past United, and he has now outlasted Ten Hag in England. United have moved swiftly to find Ten Hag's replacement, with the Red Devils edging nearer to appointing Sporting Lisbon manager Ruben Amorim. Meanwhile, Ten Hag boarded a plane back to the Netherlands on Monday where he is set to spend some time with his family after being relieved of his duties at United.

Current price of silver as of Tuesday, October 28, 2025
Personal Finance 2025-12-22 15:24:56

Current price of silver as of Tuesday, October 28, 2025

At 8:15 a.m. Eastern Time on October 28, 2025, silver stood at $46.50 per ounce. That marks a $0.91 decrease from this time yesterday—but more than a $12 rise compared with one year ago.Silver price per ounce% ChangePrice of silver yesterday$47.41-1.91%Price of silver 1 month ago$46.05+0.97%Price of silver 1 year ago$33.67+38.10%Price of silver yesterdaySilver price per ounce$47.41% Change-1.91%Price of silver 1 month agoSilver price per ounce$46.05% Change+0.97%Price of silver 1 year agoSilver price per ounce$33.67% Change+38.10%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t a shortcut to quick wealth. Over extended periods, it lags traditional equities significantly. Since 1921, silver’s value has underperformed the S&P 500 by roughly 96%. In practical terms, an equal investment split between silver and stocks back then would mean the silver portion would be worth something in the realm of 96% less than your stock. However, silver is viewed as a relatively stable asset suited to preserve purchasing power. Often called a “store of value,” it generally holds up in inflationary environments. It can act as a buoy for your funds when inflation rises. Compared with gold, silver exhibits more volatility. Gold’s primary role is as a value haven—whereas silver also serves many industrial uses. Because of this industrial demand, swings can have a more pronounced impact on silver’s pricing.What does “spot silver” mean? Simply put, the “spot silver” price reflects the rate at which silver can be bought or sold instantly. But in practice, you’ll usually pay above spot to cover markups, shipping, insurance, and other expenses. Investors track the spot price as a benchmark for real-time demand and market trends. A higher spot rate shows elevated demand.What is “price spread” in silver trading? The “price spread” refers to the gap between silver’s purchase and sale prices. Key terms include: Ask price.This refers to what you pay to acquire silver Bid price.This refers to what you receive when you sell silver As expected, the bid price sits below the ask price. A narrow spread indicates high demand for silver. How to invest in silver You have options if you’re looking to put your money in silver. Broadly, these can be categorized as physical ownership or silver exchange-traded funds (ETFs). ETFs are more common and let you purchase shares in a fund that holds silver, removing the need to handle storage or insurance personally. Common silver investments include: Silver bullion.This includes bars or rounds sold by weight and purity. Silver coins.Think minted currency like American Silver Eagles or Silver Maple Leafs, often priced with a premium for rarity and government guarantee. Silver jewelry. Specifically, crafted pieces that are worth more than equivalent-purity bullion. Silver mining stocks.This type of investment refers to shares in companies that extract silver, giving you indirect exposure. On exchanges, silver bullion and coins must meet the “three nines fine” standard (99.9% purity). Anything less is generally treated as collectible or industrial grade. Read our post on the best silver IRA companies for more details on the best way to invest in precious metals.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; 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font-weight: 600; } }Is it a good time to invest in silver? In 2025, silver’s price has climbed nearly 25% year-to-date, reaching levels unseen in the past decade. Whether it’s the right time to buy depends on your outlook. If inflation concerns weigh on you, precious metals can act as hedge. Likewise, anticipated surges in industrial demand—from renewable energy to electronics—could potentially fuel further gains. Current precious metals prices as of 8:15 a.m. ET on October 28, 2025Precious metal Price per ounceGold$3,927.54Silver$46.50Platinum$1,563.40Palladium$1,374.40GoldPrice per ounce$3,927.54SilverPrice per ounce$46.50PlatinumPrice per ounce$1,563.40PalladiumPrice per ounce$1,374.40Gold, platinum, and palladium are still very popular with investors. Platinum and palladium often mirror silver’s volatility; their smaller markets magnify price swings. Gold, by contrast, tends to be the least volatile of the four.Pro tipPrefer gold? Check out our list of the best gold IRA companies.The takeaway With ongoing economic uncertainty, precious metals are worth considering. Silver’s 2025 performance has outpaced gold’s, and many analysts predict the likelihood of further upside—potentially driving silver to record highs. Given its affordability relative to gold, silver is an accessible entry point into the world of precious metal investing. Whether you choose physical coins and bars, ETFs, or mining stocks, you can set yourself up to benefit from the next silver rally.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors generally recommend allocating not more than 10% to 15% to silver, keeping total precious-metals exposure at or below 20%.Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? A mix of constrained supply and rising industrial demand, plus investor demand, has pushed silver prices higher this year. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current refi mortgage rates report for Nov. 6, 2025
Personal Finance 2026-01-11 18:27:47

Current refi mortgage rates report for Nov. 6, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.35%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.35%20-year6.41%15-year5.70%10-year5.84%Jumbo mortgages30-year7.13%15-year6.16%FHA loans30-year6.12%15-year4.99%VA loans30-year6.34%15-year6.08%Note thatFortunereviewed the most recent Zillow data available as of Nov. 5.How mortgage refinancing worksBoiled down to the basics, mortgage refinancing involves paying off your existing loan with a new one. This process requires meeting the lender’s criteria as is the case for any loan—including your credit profile, income verification, and debt-to-income (DTI) ratio. The application process may knock your credit score a little bit due to a hard inquiry, and there’s also the risk of denial if you don’t meet the lender’s requirements.What’s happening with mortgage rates in the market?Some observers had hoped that mortgage interest rates might decrease following the Federal Reserve’s cuts to the federal funds rate late last year. But mortgage rates long remained near 7% for 30-year, fixed-rate loans nationwide. Mortgage interest rates remain significantly elevated compared to the pandemic-era lows in the range of 2% and 3%. As of the third quarter of 2024, 82.8% of homeowners with mortgages had rates below 6%, according to Redfin. This means a large number of Americans have been experiencing the lock-in effect, unable to move or refinance because they’re hanging onto a once-in-a-lifetime rate. However, some relief came in sight toward the end of August and beginning of September 2025 and continued in October. Mortgage rates trended noticeably downward, averaging closer to 6% for 30-year, fixed-rate loans than had been seen in almost a year. This was largely connected with markets anticipating the Fed would cut the federal funds rate when it met Sept. 16-17.The central bank delivered on this expectation, reducing its benchmark rate by a quarter percentage point in September, and followed up with another quarter percentage point cut in October.When it might make sense to refinance your mortgageRefinancing comes with upfront costs, so it’s important to consider when it’s beneficial. One guideline you’ll often hear is that it makes sense to refi if you can secure a rate at least a percentage point lower than your current rate. For instance, if you took out a loan at 7% and rates have since declined, refinancing at 6% would probably be a smart call in terms of long-term savings.You might also refinance to tap into your home equity via a cash-out refinance (which typically requires that you have at least 20% equity built up). Refinancing can also help if you want to change your loan term or switch loan types, such as moving from an FHA loan to a conventional loan to get rid of the FHA loan’s lifetime mortgage insurance (MIP) requirement, or from an adjustable-rate mortgage to a fixed-rate mortgage to avoid the potential for rate hikes.Additionally, refinancing can be beneficial if you want to adjust your loan term. For example, switching from a 15-year to a 30-year mortgage can allow for smaller monthly payments, which might be more manageable if your financial situation has changed.Costs to refinance your mortgageRefinancing involves closing costs, typically ranging from 2% to 6% of the loan amount. For a $300,000 loan, costs might range from $6,000 to $18,000. Some common costs include:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if applicable in the terms of your current loan).Different types of mortgage refi loansThere are many types of mortgage refinance loans available, and the right one for you will depend on what you’re trying to do and what type of mortgage you currently have. Here are some common refi types:Rate-and-term refinance:This is probably the most popular refi, offering the chance to secure a lower interest rate or change your loan term. Just know that if you choose to shorten your loan term, while that does typically come with a lower rate and meaningful lifetime interest savings, you’ll have to budget for higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by paying off your existing loan balance and accepting a new, larger one. You withdraw the difference in cash. That money can then be used for home improvements, consolidating high-interest debt, or virtually any other financial goal you may have.No-closing-cost refinance:Approach this one with a healthy level of skepticism. With this type of refi, your lender covers the closing costs in exchange for charging a higher interest rate. If you don’t have cash on hand for closing costs and could otherwise benefit from a refinance, this option may be worth a look.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, a streamline refi will typically involve less documentation and offer a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneYou’re not required to refinance with your original lender. Shopping around might potentially help you find better rates and service. That said, some lenders offer incentives, such as waiving closing costs, for staying with them. So you should at least do the due diligence of checking with your existing lender before making a decision. Also, know that if your mortgage has been purchased by Fannie Mae or Freddie Mac, you might be eligible for programs like Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current price of gold as of November 5, 2025
Personal Finance 2025-12-29 19:43:44

Current price of gold as of November 5, 2025

At 9:05 a.m. Eastern Time on November 5, 2025, gold was valued at $3,977 per ounce. That’s a $7 uptick from the same time yesterday and more than a $1,318 gain over the past year.Gold price per ounce% ChangePrice of gold yesterday$3,970-0.18%Price of gold 1 month ago$3,928-1.23%Price of gold 1 year ago$2,659-33.14%Price of gold yesterdayGold price per ounce$3,970% Change-0.18%Price of gold 1 month agoGold price per ounce$3,928% Change-1.23%Price of gold 1 year agoGold price per ounce$2,659% Change-33.14%If you want an investment that isn’t directly impacted by inflation variance, gold may fit the bill. Gold has a long-term record of appreciating in value. One of the more common ways of buying and holding gold is a gold IRA. It’s also a practical choice for those who want to avoid the cost and burden of storing physical gold.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical gold price chartGold doesn’t outperform traditional stocks in every financial situation. In strong economic climates, stocks can deliver higher returns over both short and long periods. From 1971 to 2024, stocks averaged 10.7% in annual returns, while gold averaged 7.9%.But in uncertain economic times, gold is seen as a safe, risk-averse asset. That’s why many people view it more as a store of value than a typical investment like stocks or bonds.What does “spot gold” mean?The spot gold price is the rate for immediate transactions when buying gold over-the-counter. This figure helps investors track real-time demand and trends. Simply put, a higher spot price reflects greater demand. Unlike futures, the spot price is for instant settlement.When the future price is above the spot price, it’s called contango, which is common for commodities with high storage costs. If the futures price is below the spot price, it’s known as backwardation.Many factors can affect the spot price, causing frequent changes. Active gold investors need to be prepared for this volatility.What is price spread in gold trading?A price spread is the difference between the buying and selling price of an asset.In gold trading, the ask price is what you pay to buy, and the bid price is what you receive when selling. The bid is always lower than the ask.A smaller spread means the market is more liquid. When spreads are tight, it suggests strong demand for gold.How to invest in goldIf you picture gold investing as diving into a pile of coins, you’re only half right. While you can buy physical bars, coins, or jewelry, gold is often traded as exchange-traded funds (ETFs).Popular gold investment options include:Gold bars:Also called bullion, sold by weight, with purity and manufacturer details stamped on the bar. Gold rounds are essentially the same, with the only notable difference being the shape of the bullion. Gold coins:Collectible coins like the American Gold Eagle, often priced higher than bars of the same weight due to rarity.Gold jewelry:Priced above gold content for design and craftsmanship.Gold futures contracts:Agreements to buy gold at a set price in the future, allowing speculation without handling the physical metal.Gold funds:Mutual funds or ETFs invested in gold assets, with values tied to the underlying portfolio.Is it a good time to invest in gold?Whether now is the best time to invest in gold is open to interpretation. Still, adding gold can help diversify your portfolio and reduce market volatility.Gold remains a steady asset in an unpredictable market. Prices have soared to all-time highs, up over 25% since the beginning of 2025, fueled by inflation and uncertainty. Many experts suggest this is a good time to diversify with gold.Current precious metals pricesas of 9:05 a.m. ET on November 5, 2025Precious MetalPrice per ounceGold$3,977Silver$48Platinum$1,548Palladium$1,421GoldPrice per ounce$3,977SilverPrice per ounce$48PlatinumPrice per ounce$1,548PalladiumPrice per ounce$1,421Silver, platinum, and palladium are also favored by investors. Gold is generally less volatile than silver, which can fluctuate widely in a single day. Silver’s industrial uses make it more responsive to economic changes.Platinum and palladium act similarly to silver. While they offer diversification, they tend to be more volatile than gold.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }The takeawayThe U.S. economy has been unsettled, with ongoing inflation having a significant impact. Gold can serve as an inflation hedge in your portfolio. Thanks to various purchase methods, it’s a relatively accessible asset for most investors. Whether you invest through a gold IRA or a more hands-on account, gold can help you reach both short- and long-term financial targets.Frequently asked questionsWhat is the best way to own gold?Many investors choose gold ETFs, which offer a managed portfolio of easily traded assets.Is gold a good investment?Gold is often a solid choice for those seeking diversification and protection from inflation. There are many accessible ways to invest.Should I buy gold coins or gold bars?Gold coins are collectibles and may be valued higher per ounce than bars. Their collectible and historic value can appeal to some investors. U.S. minted coins can also help guard against counterfeit bars.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Finding the right therapy for yourself practical ideas that are worth exploring
Health 2025-12-26 00:35:15

Finding the right therapy for yourself practical ideas that are worth exploring

ContentsArt therapy is a great idea!Dance, dance, dance!Add a little drama to your lifeThere is a time in everyone’s life that they are tired of doing the same old things, such as going to work, school and many other things that have become part of their daily routine. Sometimes they just want to turn to something that benefits their overall well -being and at the same time do something else.Fortunately, there are numerous activities that are perfect for the mind, the body and the soul, which have a kind of therapeutic effect, and if you are ready to discover them, just pay attention to the suggestions below!Art therapy is a great idea!Although some of you may never have heard of it, the truth is that art therapy has in fact been part of mental health care for a long time, because it is useful in many ways.For example, it will not only help you to sharpen your artistic skills, but more importantly, reducing anxiety, depression, stress levels and your lookout for life. If this has aroused your interest, you might need one Art Therapy Exercises Book That will create your inner creativity and at the same time cure emotionally and mentally. But these are not the only benefits that you can harvest.According to the American Art Therapy Association, those who resort to the American Art Therapy Association will make a lot confident, emotionally stronger and generally feel better (when it comes to mental health).Dance, dance, dance!Those who are not a typical fitness gurus, but still want to have a form of physical activity, who will help them stay in shape and at the same time increase their mental health should consider having dance therapy..uca515de50aa86fdcd864ebc293221f29 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uca515de50aa86fdcd864ebc293221f29:active, .uca515de50aa86fdcd864ebc293221f29:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uca515de50aa86fdcd864ebc293221f29 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uca515de50aa86fdcd864ebc293221f29 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uca515de50aa86fdcd864ebc293221f29 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uca515de50aa86fdcd864ebc293221f29:hover .postTitle { text-decoration: underline!important; } See alsoNigerian Celeb Style Ideas For The Festive SeasonIt is generally known that music is very therapeutic. Don’t forget how often you thought about someone or something, as soon as you heard your favorite melody that caused so many good memories.That is how almighty music is. And when you combine your emotion with a powerful rhythm that encourages you to go to the beat, you get a phenomenal experience that makes you much joyful almost immediately and all pain and stress will make you disappear.As previously completed, dance therapy is not only good for your physical health, but also for your mental health, because it gives you the opportunity to express all your feelings that can be suppressed.Add a little drama to your lifeOf course this does not mean literally, but to consider going to drama therapy, because, like those who were previously suggested, This has many benefits for mental health at! If you think it is a new form of therapy, then you are seriously uneven because it has been used for many centuries.How is it? Well, that’s because drama gives people the chance to explore different circumstances and events that may be too painful for them (unconscious) and at the same time heal while they have all these experiences.It doesn’t matter if you are dealing with psychological problems, or you just want a new hobby that will be aware of your current routine, these are some options that you should definitely consider.

How additional insurance and affordable housing can fill the gaps
Health 2025-12-22 08:44:07

How additional insurance and affordable housing can fill the gaps

ContentsThe financial burden of living with a disabilityHow medicine and supplementary insurance work togetherThe role of section 811 housingReal-life impact: bridging the holesTips for navigating these programsA path to stabilityLiving with a disability often comes with considerable financial challenges that extend far beyond medical costs. From the high costs of specialized care to the struggle to find affordable, accessible homes, people with disabilities are often confronted with barriers that can feel insurmountable. Fortunately, programs such as Medicare, supplementary insurance and section 811 homes have been designed to bridge these gaps. By understanding how these resources work together, individuals with a disability can navigate better through the financial complexity of their daily lives.The financial burden of living with a disabilityFor many people with disabilities, the costs of health care and housing can be overwhelming. Here are some of the most important financial challenges with which they are often confronted:High healthcare costs: Even with Medicare, out-of-pocket expenses for recipes, therapies and specialized equipment can quickly increase. Many people need continuous care that can burden their budgets.Housing instability: Accessible housing is often limited and expensive. Many people with disabilities have difficulty finding houses that meet their needs, and the costs for changing existing homes can be priceless.Limited income: Handicaps can often limit the earning potential, making it difficult to cover basic costs, let alone unexpected costs.These challenges create a cycle of financial stress that can influence the overall well -being. Additional insurance and Affordable housing programs Such as section 811 can offer much needed lighting..uf4ba2a084a188d6ef93c0deb4bbbd2a0 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uf4ba2a084a188d6ef93c0deb4bbbd2a0:active, .uf4ba2a084a188d6ef93c0deb4bbbd2a0:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uf4ba2a084a188d6ef93c0deb4bbbd2a0 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uf4ba2a084a188d6ef93c0deb4bbbd2a0 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uf4ba2a084a188d6ef93c0deb4bbbd2a0 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uf4ba2a084a188d6ef93c0deb4bbbd2a0:hover .postTitle { text-decoration: underline!important; } See alsoThese are 8 TOP affordable overwater bungalows in the CaribbeanHow medicine and supplementary insurance work togetherMedicare is an essential source for many people with disabilities who offer coverage for stay in the hospital, doctor’s visits and other medical services. However, Medicare does not cover everything. This is where supplementary insurance, also known as a medigap or medicine benefit, is involved.Medigap policy: These plans help out-of-pocket cost such as deductible, copayments and coin insurance. For people with disabilities who need frequent medical care, a Medigap policy can significantly reduce financial voltage.Medicare Advantage -Plans: These plans offer an alternative to traditional medicine, including extra benefits such as vision, dental and coverage for prescription medicines. Some plans also offer wellness programs and care coordination services, which can be beneficial for people with chronic disorders.By combining Medicare with additional insurance policies, people with disabilities can create a more extensive safety net that ensures healthcare costs more effectively.The role of section 811 housingAlthough health care is a crucial part of life with disabilities, housing is equally important. Stable, affordable homes provide a basis for overall well -being, but it remains one of the most important challenges for people with disabilities. This is where section 811 homes come in.Section 811 is a federal program that offers affordable, accessible homes for people with disabilities. Managed by the US Department of Housing and Urban Development (HUD), offers the Rental Assistance and Supporting Services program to help individuals live independently. Here is how it works:Affordable rent: Section 811 Housing ensures that rent is based on income, making it more affordable for people with limited financial resources.Accessible design: These houses are designed to meet the needs of people with disabilities, with changes such as wheelchair slopes, wider door openings and accessible bathrooms.Supporting services: Many section 811 Properties offer services such as case management, transport help and help with daily activities on site. These services can make a considerable difference in the quality of life for residents..u498b4f3ebe31c4f114022e0fee6bd579 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u498b4f3ebe31c4f114022e0fee6bd579:active, .u498b4f3ebe31c4f114022e0fee6bd579:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u498b4f3ebe31c4f114022e0fee6bd579 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u498b4f3ebe31c4f114022e0fee6bd579 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u498b4f3ebe31c4f114022e0fee6bd579 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u498b4f3ebe31c4f114022e0fee6bd579:hover .postTitle { text-decoration: underline!important; } See alsoThis affordable East Coast destination is one of the US's best winter hidden gemsReal-life impact: bridging the holesThe combination of Medicare, supplementary insurance and section 811 homes can be life-changing for people with disabilities. Consider the following example:Maria, a 45-year-old woman with multiple sclerosis, had difficulty managing her healthcare costs and finding accessible homes. Hair Medicare cover helped with doctor’s visits and stay in the hospital, but she was still confronted with high out-of-pocket expenses for her medicines and physiotherapy. After registering for a Medicare Advantage plan, Maria had access to extra benefits that reduced its overall healthcare costs.At the same time, Maria Section 811 homes applied for and was ultimately approved for an accessible apartment. The affordable rent enabled her to allocate more of her limited income to her medical needs, while the support services of the housing program helped her to retain its independence.For Maria, the combination of supplementary insurance and affordable homes filled the gaps that Medicare could not cover alone, giving her the stability and support she needed to thrive.Tips for navigating these programsAlthough Medicare, supplementary insurance and section 811 offer valuable resources, access to these programs can be a challenge. Here are some tips to help people with disabilities by navigating the system:Investigate your options: Take the time to understand the different types of supplementary insurance plans and section 811 housing options in your region. Websites such as Medicare.GOV and HUD.GOV are excellent starting points.Seek help: Many organizations offer free counseling and support to help people with disabilities by navigating these programs. State Health Insurance Assistance Programs (Ships) and advocacy of local disabled people can offer guidelines.Early: Section 811 Housing often has long waiting lists, so it is important to register as quickly as possible. Be willing to give documentation of your disability and income.View your coverage annually: Medicare and supplementary insurance plans can change from year to year. Make sure you look at your coverage during the open registration period to ensure that it still meets your needs..ue8c050074ffcf713841ff8288d1894c0 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ue8c050074ffcf713841ff8288d1894c0:active, .ue8c050074ffcf713841ff8288d1894c0:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ue8c050074ffcf713841ff8288d1894c0 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ue8c050074ffcf713841ff8288d1894c0 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ue8c050074ffcf713841ff8288d1894c0 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ue8c050074ffcf713841ff8288d1894c0:hover .postTitle { text-decoration: underline!important; } See alsoAre fleas and drawing collars safe for the skin and fur of your dog? Understand risks and benefitsA path to stabilityThe hidden costs of life with a disability can feel overwhelming, but they don’t have to be insurmountable. By using the combined power of Medicare, supplementary insurance and section 811 housing, people with disabilities can create a more stable and safer future. These programs not only relieve financial stress, but also form the basis for a better quality of life.In a world where the opportunities can often be stacked against them, people with disabilities deserve access to the resources and support they need to thrive. With the right tools and information they can overcome the barriers with which they are confronted and build a life full of possible and hope.

Guardiola backs Ten Hag 'to come back stronger' after Man Utd dismissal
Sports 2025-12-15 09:33:44

Guardiola backs Ten Hag 'to come back stronger' after Man Utd dismissal

Pep Guardiola is confident Erik ten Hag will "come back stronger" after he was sacked by Manchester United.Ten Hag's two-year tenure at Old Trafford came to an end on Monday following the Red Devils' 2-1 defeat to West Ham in the Premier League 24 hours earlier. Pep Guardiola is confident Erik ten Hag will "come back stronger" after he was sacked by Manchester United. Ten Hag's two-year tenure at Old Trafford came to an end on Monday following the Red Devils' 2-1 defeat to West Ham in the Premier League 24 hours earlier. During the Dutchman's time at United, he faced Guardiola seven times, losing five matches and winning two, with one of those victories coming in the FA Cup final in May. Ten Hag, however, has failed to build on that success at Wembley. United find themselves 14th in the Premier League, picking up 11 points from their first nine games. "I feel very sorry for him, it's one of the best jobs in football. There's only us, it's not teachers or architects or something like that," Guardiola said. "I wish him all the best and he will come back stronger. If the results aren't good enough, you get sacked. No-one is different, myself included." Ten Hag took charge of 85 Premier League games and lost 27 of them. That is the highest total of losses by any United manager since Alex Ferguson. His loss rate of 31.8% is the second worst of all Red Devils managers in the Premier League era after David Moyes (32.4%), who was only in position for 34 matches. United faced 1,739 shots in their 128 games under Ten Hag. In comparison, since the 2022-23 season, City have faced 717 fewer shots than the Red Devils despite playing six more games in that time. Ruud van Nistelrooy, who joined Ten Hag's coaching staff this past summer, will take charge as interim head coach during the club's search for a permanent replacement.

Erik ten Hag’s last stand: Ranking is not reflecting our performance
Sports 2025-12-27 10:42:35

Erik ten Hag’s last stand: Ranking is not reflecting our performance

On Sunday evening in the press room at the London Stadium, about half an hour after his team had registered the wretched defeat which would mark his final game in charge, Erik ten Hag was looking forward to Manchester United’s next match. On Sunday evening in the press room at the London Stadium, about half an hour after his team had registered the wretched defeat which would mark his final game in charge, Erik ten Hag was looking forward to Manchester United’s next match. Even as the extensive brain trust assembled by Sir Jim Ratcliffe to reinvigorate the playing side of the club were checking the details of his contract ahead of firing him the following morning, it was evident from his demeanour that the manager thought he was still in charge. And after he had spoken about the failings of VAR and his players’ haplessness in front of goal when facing West Ham, he addressed some questions from the media about the forthcoming Carabao Cup tie against Leicester City. As is the way of such arrangements, his answers were to be the subject of an embargo, not to be published until Tuesday lunchtime; there to serve as a preview for the midweek match. Instead, with the benefit of imposed hindsight, they can be seen as a rather sombre obituary for a manager’s career, a swansong for someone who appeared to be as unaware of his impending departure as he was about how to win a football match. Because in his answers was evidence that, while almost every other observer recognised that the performances he has extracted from his team thus far this season have been tantamount to a note of resignation, he really did not see the P45 heading swiftly in his direction. ‘Ranking is not reflecting our performance’ Take his response, for instance, to a question about whether he considered 14th in the Premier League with a negative goal difference a legitimate reflection of his and his side’s capabilities. “We have to do better, that is the ranking,” he said. “But I will tell them [the players] the ranking is not reflecting our performances and our levels.” Clearly his employers did not share such an opinion. For them, the table does not lie. Ten Hag, though, clearly felt time was still on his side. “But at the end of the season we have to get this right,” he continued. “It is not easy when you have so many setbacks at the start of the season and to overcome this, but we have to fight back. It will always help when you have a good start because that gives motivation, gives belief, the confidence will grow. We are now in the process on the other side where we are disappointed and we have to deal with setbacks and now we have to find the fuel from setbacks and disappointments.” ‘There are still four to go’ He was then asked if such fuel might come from success in the cup competitions. Would winning the Carabao Cup constitute a good season for him?  His reply was revealing. “Definitely. It is about trophies,” he said. “I don’t want to go into this debate again. There are not so many trophies you can win, if you win a trophy in top football, that is the most important, that is what the fans expect, what we expect – to win a trophy.” He clearly still believed that the cups he had popped in the Old Trafford trophy room (did he ever mention he had won two?) would continue to shield him from dismissal. “We have had five opportunities and one we missed, that was the Community Shield,” he concluded. “There are still four to go.” Four to go? Given the position he had steered the club to in both the Premier League and the Europa League this season, given how poor his team had played thus far, given his tactical arrangements had been exposed time and again, that was a magnificently optimistic reading of potential silverware. But never mind that. When the meeting with Dan Ashworth and Omar Berrada concluded with his dismissal, he will doubtless have headed back to the Netherlands convinced that he had bequeathed to his successor, whoever that may be, a side already embarked on the pursuit of a quadruple.

MAN UTD CONFIDENTIAL: How Berrada helped United beat City to Amorim's signature
Sports 2026-01-10 22:18:49

MAN UTD CONFIDENTIAL: How Berrada helped United beat City to Amorim's signature

The cost-cutting under Manchester United’s new co-owners Ineos has created plenty of negativity around Old Trafford, but it has never backfired so spectacularly as the budget flight to Barcelona that blew the lid off their plans to sack Erik ten Hag and hold secret talks with potential replacements. The cost-cutting under Manchester United’s new co-owners Ineos has created plenty of negativity around Old Trafford, but it has never backfired so spectacularly as the budget flight to Barcelona that blew the lid off their plans to sack Erik ten Hag and hold secret talks with potential replacements. Confidential exclusively revealed last week that chief executive Omar Berrada had led a four-man delegation – also understood to include sporting director Dan Ashworth and technical director Jason Wilcox – to the Catalan capital to speak to representatives of former Barca boss Xavi Hernandez, and that Ruben Amorim was another leading contender. Now we can disclose that the United executives were spotted because they flew on Ryanair from Manchester rather than booking a private jet similar to the one laid on at short notice for Ten Hag after he was sacked on Monday morning. The cat was out of the bag and although Xavi was reluctant to take the job before the start of next season, Amorim has been more flexible and will replace Ten Hag who must have known he was a dead man walking once United’s secret mission unravelled. It still didn’t stop United from trying to save money on flights again by asking Manchester City if Kobbie Mainoo and Alejandro Garnacho could get a lift on their jet to the Ballon d’Or awards in Paris on Monday night only to be told that the plane was full. Utd can’t be City suckers again There is a strong suspicion that United moved for Amorim because Berrada has inside knowledge of Manchester City’s plans to appoint the Sporting Lisbon coach as Pep Guardiola’s replacement. Berrada joined United as chief executive in the summer after 13 years at City, who have already announced that Hugo Viana, Amorim’s director of football at Sporting, will take over the same role from Txiki Begiristain at the Etihad next season. If Guardiola doesn’t extend his contract, City were hoping to replicate his prolific partnership with Begiristain by reuniting Amorim and Viana. However, Berrada will also be aware that United’s attempt to gazump their neighbours has not always worked out well in recent years. United were panicked into agreeing a deal worth £35m with Arsenal by exchanging Henrikh Mkhitaryan for Alex Sanchez in January 2018 even though he would have been a free agent four months later. City had a strong interest in Sanchez but wouldn’t be drawn into paying the fee or making him their highest-paid player. It was a similar situation with Fred, who moved to Old Trafford for £52m from Shakhtar Donetsk after United swooped to sign him from under City’s noses, and Harry Maguire who cost £80m – a world record for a defender. And who could forget Jorge Mendes’ masterstroke by persuading United to bring Cristiano Ronaldo back to Old Trafford from Juventus on a salary in excess of £500,000-a-week on the basis that they couldn’t stomach the thought of him joining City. If United do indeed appoint Amorim ahead of their rivals, they can only hope it works out better this time. Ruben has history with the Reds At least Amorim will be familiar with his surroundings if he lands the United job. The 39-year-old spent a week observing his Portuguese compatriot Jose Mourinho at Carrington and Old Trafford in 2017 when Mourinho was United boss and Amorim was starting out in coaching. Having terminated his contract at Benfica and retired as a player in April 2017, Amorim began working towards his coaching badges and also did a course in psychomotor, studying the actions and movements in the human body. He started out as a coach at third-tier Casa Pia before finding success at Braga and Sporting. Amorim’s time under Mourinho was said to include a class about how United beat Ajax in the 2017 Europa League final. That was before Ten Hag took over the Dutch club – later going on to record a thumping 5-1 win away to Amorim’s Sporting Lisbon in the Champions League in September 2021. Ten Hag’s cup half empty Ten Hag leaned too heavily on his twin successes in domestic cup competitions, and he was at it again in what proved to be his final press conference. Hardly surprising given that he was speaking ahead of Wednesday night’s Carabao Cup fourth round tie against Leicester at Old Trafford – a five-minute Q&A session with journalists that took place following his after-match press interviews at West Ham on Sunday. But the Dutchman never fully appreciated that winning the FA Cup and Carabao Cup in two-and-a-half seasons at a club as big as Manchester United was no protection when the team languished in 14th place in the Premier League. ‘Definitely. It’s about trophies,’ said Ten Hag. ‘I don’t want to go in this debate again, but I think it’s the truth. There are not so many trophies you can win, and it you win a trophy in top football that is the most important because that is what the fans expect and we expect. We have five opportunities and one we missed, that was the Community Shield, but we have still have four to go.’ Sadly for Ten Hag, he had run out of chances. Ruud gets his lead role Ruud van Nistelrooy will be caretaker manager for the cup tie against Leicester, and it always felt as though the former Old Trafford favourite gave United a Plan B if they decided to sack Ten Hag. Certainly the body language between the two men did not seem as natural as Ten Hag’s relationship with his previous assistants Mitchell van der Gaag and Steve McClaren. It has also been noted since Van Nistelrooy returned to the club in the summer – having turned down a number of managerial jobs – that he had adopted a more high-profile presence on the touchline than Van der Gaag, McClaren and Rene Hake, the club’s other new No.2. In Istanbul on Thursday, Van Nistelrooy stayed out longer than Ten Hag and the players to milk the applause of travelling fans who sang his name following the Europa League draw against Fenerbahce. The 48-year-old will certainly be centre-stage on Wednesday night, even if his stay in the United hot-seat is shortlived. Fans treated like animals United fans were left fuming at being ‘treated like animals’ after the final whistle in Istanbul. Supporters who spoke to Confidential raged at being kept inside Fenerbahce’s stadium beyond 1.30am, and then left with limited options to get back to their accommodation before early flights home. Buses had been laid on but they were starting and ending over in the Besiktas area of the city, while many fans had based themselves in the Kadikoy district. With a lack of taxis, it meant that United fans had to walk and some didn’t get back to hotels until after 2am. ‘I’m going to be asking the club for a European credit as an apology,’ one fan, who asked not to be named, told Confidential. ‘It was a joke how we were treated.’ Stalwarts go in Carrington shake-up Ten Hag isn’t the only departure from United this week. Confidential understands that loans manager Les Parry and academy player liaison officer Dave Bushell are the latest long-serving members of staff to leave as part of a shake-up at Carrington. Parry has been at United since January 2013, having worked as a physio at Accrington Stanley and Tranmere Rovers where he was also appointed manager in the wake of John Barnes’ departure. His most recent role was overseeing United’s players out on loan, travelling around the country and abroad as well as attending the Transfer Room global conferences to discuss player trades. He was known for keeping the young players grounded with his candour. Bushell has been at United since January 1995 in a number of roles, and was presented with the Eamonn Dolan award by Sir Alex Ferguson at Old Trafford last year in recognition of outstanding contributions to youth coaching. Liverpool land Utd physio Head physio Robin Sadler may have been surplus to requirements at United, but he has found a new home at rivals Liverpool. Sadler left United in January as part of an overhaul of the medical department led by head of sports medicine Gary O’Driscoll who appointed his former Arsenal physio Jordan Reece. Sadler had been at United for three years – working under Erik ten Hag, Ralf Rangnick and Ole Gunnar Solskjaer – following spells with Manchester City and Derby. Now Liverpool are having a reshuffle of their own under club doctor Jonathan Power and Sadler will be part of the new set-up. He said: ‘There are some excellent sports medicine practitioners here at Liverpool. It’s exciting to work here and to see what we can try to achieve together. My role is primarily to work and support performance to enable players to fulfil their potential both in training and out on the pitch on a matchday.’ Chido’s blazing a trail United are eager to keep a lid on the hype surrounding Chido Obi-Martin, but it may well be too late for that. The youngster has been wowing teammates and coaches with his skill level and he made light work of Nottingham Forest, scoring a 16-minute hat-trick on his full debut for the Under-18s. Confidential understands that United are wary of adding to the already huge amounts of pressure on his shoulders, particularly at a time where the first team are struggling badly for goals. For now, he is expected to continue learning and playing with Adam Lawrence’s U18s, with no immediate urge to fast track the 16-year-old through the ranks. Jungle no place for Savage Robbie Savage, part of the famed Class of ‘92 before finding wider success elsewhere, has rejected an offer to be the first former Manchester United player to take part in I'm a Celebrity. Savage was seriously temped by a lucrative opportunity to enter the jungle but instead when the series kicks off in Australia next month, he will spend cold nights concentrating on his day job of managing Macclesfield Town. Though no man with a United connection has appeared in the hit TV show, George Best’s wife Alex appeared in series three, while Colleen Rooney is strong tipped to be in this year’s line-up. Among the footballers to have previously taken part are David Ginola and Ian Wright, while manager Harry Redknapp was crowned king of the jungle in 2018.

Bask Bank review 2025: Earn cash or travel rewards for your savings
Personal Finance 2026-01-02 15:56:31

Bask Bank review 2025: Earn cash or travel rewards for your savings

Bask Bank is an online-only bank backed by Texas Capital Bank in Dallas. It focuses on low-cost savings products with very high interest rates. Its checking, savings, and CD options all bring competitive earnings to your stored funds. But Bask Bank also offers something altogether unique—something especially valuable for travelers. Here’s what you need to know about Bask Bank. All rates and fees are current as of Nov. 6, 2025, and are subject to change.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare7 ResultsProduct DescriptionsOpenbank : High Yield SavingsMember FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Annual Percentage Yield 4.20% as of 12/12/2025Monthly Fee$0Min Deposit to Earn APY$500Member FDICDisclosureDisclosureOpenbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia. *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time Dec 12th 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.VIEW DETAILS on Openbank's website Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Additional FeaturesEarn 10x the national savings averagefor Savings deposit products as published on FDIC.gov.FDIC insured:Enjoy the peace of mind that comes with being FDIC insured up to $250,000.No fees:Keep more of your money with no fees.Industry leading account security:Trusted device verification with face or fingerprint for fast, secure access.Jenius Bank : High Yield Savings AccountVIEW DETAILS on Jenius Bank's website Annual Percentage Yield 4.05% as of 12/12/2025Monthly Fees$0Min to Earn APY$0VIEW DETAILS on Jenius Bank's website Additional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansAdditional FeaturesFDIC insured deposits, no monthly fees, and no minimums. That’s JeniusEarn 4.05% APY which can help you start living a richer life24/7 support from actual humansCash App : SavingsDisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Annual Percentage Yield Up to 3.25% as of 12/12/2025Monthly Fee$0Min to Earn APY$1DisclosureDisclosure1Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See Terms and Conditions for more information. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify. If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.Round Ups provided by Cash App, a Block, Inc. brand.With a Cash App Card, your funds are eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.VIEW DETAILS on Cash App's website Additional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAdditional FeaturesUnlock Cash App's highest savings interest offer of up to 3.25%1Set goals and save automatically when you get paid or spend with your Cash App Card using Round UpsNo monthly fees or minimum balance24/7 fraud monitoring and preventionAxos ONE® : SavingsFDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Annual Percentage Yield 4.31% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$0.00FDIC InsuredDisclosureDisclosure* The Annual Percentage Yield (APY) is accurate as of 12/01/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE Checking account will earn a base rate of 0.00% APY. The Axos ONE Savings account will earn a base rate of 1.00% APY.Axos ONE accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE Checking and Axos ONE Savings, the Axos ONE Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE Checking account is at least $1,500.Option 2Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period is from the 1st of the month through the 25th of the month. The Qualification Period for new accounts will begin on the day the account is approved. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.VIEW DETAILS on Axos ONE®'s website Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.Additional FeaturesCelebrating 25 years of putting people first. Axos Bank continues to deliver financial services that evolve with you.Earn up to 4.31% APY on savings, and 0.51% APY on checking when you meet requirements.Get your money up to 2 days early. You’ve earned it, so start earning on it.Earn more, with no hidden hoops or restrictive caps.We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.Access a network of over 95,000 fee-free ATMs.New Customer OfferBarclays : Tiered Savings AccountMember FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Bonus$200Monthly Fee$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1Bonus Qualifications and Timeline: For new bank customers only (existing Savings and CD accounts holders not eligible)Open a new Tiered Savings accountDeposit $30,000 or more within 30 daysMaintain at least $30,000 for the next 120 daysAfter the $30,000 balance is maintained for 120 consecutive days, the $200 bonus will be added directly to the account in approximately 60 daysOffer available until 12/31/2025VIEW DETAILS on Barclays's website Additional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessAdditional Features$200 Bonus with qualifying activities. Terms Apply1Plus, earn 4.00% APY with a minimum balance of $250,000Earn 7X the national averageNo monthly maintenance feesSecure and easy online account accessQuontic : Savings AccountMember FDICVIEW DETAILS on Quontic's website Annual Percentage Yield 3.75% as of 12/12/2025Monthly Fee$0.00Min to Earn APY$100Member FDICVIEW DETAILS on Quontic's website Additional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesAdditional FeaturesEarn 3.75% APY with a Quontic High Yield Savings AccountInterest is compounded daily and credited to your account every monthStart earning interest from Day 1 of your first deposit with no limit on how much you can earn.Open an account online in just 3 minutesDCU : Primary Savings AccountNCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Annual Percentage Yield 5.00%1as of 12/12/2025Min. Opening Deposit$5Min to Earn APY$0NCUA InsuredDisclosureDisclosure1APY = Annual Percentage Yield. Earn 5.00% APY on balances up to and including $1,000.00. Balances over $1,000.00 earn a range of 5.00% - 0.05% APY. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.VIEW DETAILS on DCU's website Additional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredAdditional FeaturesEarn 5.00% APY on balances up to and including $1,000. Balances over $1,000 earn a range of 5.00% - 0.05% APY1No monthly fee$5 minimum to openMembership requiredVIEW LESS LISTINGSPowered By:Powered By:/* Loader */ #PGBWGVSOifLQTUjQ .spinner { display: none; } #PGBWGVSOifLQTUjQ.listingsLoading .spinner { display: block; } #PGBWGVSOifLQTUjQ.listingsLoading .widget-render-result { display: none; } #PGBWGVSOifLQTUjQ.listingsLoaded .widget-render-result { display: block; } #PGBWGVSOifLQTUjQ.listingsLoaded .spinner { display: none; } #PGBWGVSOifLQTUjQ.listingsLoading .search-result-container .spinner { display: block; } #PGBWGVSOifLQTUjQ.listingsLoaded.listingsLoading .spinner { display: block; } #PGBWGVSOifLQTUjQ .spinner { display: block; margin: 30px auto; width: 48px; height: 48px; } #PGBWGVSOifLQTUjQ .spinner:after { content: " "; display: block; width: 32px; height: 32px; margin: 1px; border-radius: 50%; border: 10px solid #105485; border-color: transparent #105485 transparent #105485; -webkit-animation: lds-dual-ring 1.2s linear infinite; 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} #PGBWGVSOifLQTUjQ .ad-copy-top-section { margin-bottom: 15px; } #PGBWGVSOifLQTUjQ .sh-row-product-title { max-width: 136px; } #PGBWGVSOifLQTUjQ .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #PGBWGVSOifLQTUjQ .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #PGBWGVSOifLQTUjQ .logo-image-wrapper { width: 100%; max-width: 292px; } #PGBWGVSOifLQTUjQ .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #PGBWGVSOifLQTUjQ .ad-copy { margin-left: 0; } #PGBWGVSOifLQTUjQ .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #PGBWGVSOifLQTUjQ .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #PGBWGVSOifLQTUjQ .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #PGBWGVSOifLQTUjQ .see-more-text { padding: 16px 15px; } #PGBWGVSOifLQTUjQ .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #PGBWGVSOifLQTUjQ .top-section-right { margin-left: 0px; } #PGBWGVSOifLQTUjQ .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #PGBWGVSOifLQTUjQ.sizeone .header-section { padding: 6px 10px; } } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .row-1 { padding-left: 14px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .listing-title, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .shmktpl-button, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .prop-value-container .apy-container, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .prop-value-container .mfee-container, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .prop-value-container .mfee-container #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .prop-value-container .minvalue-container, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .sh-row-product-title, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .disclosure-content ul li, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box750.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box800.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box850.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box900.device-desktop .ad-copy-top-section, #PGBWGVSOifLQTUjQ.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .row-1, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .row-1 , #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .row-2, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .row-2 , #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .row-1, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .row-1 , #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .row-2, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .row-2{ display: unset; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .ad-copy, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .apy-label, #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .prop-value, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .prop-value, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .prop-value, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box700.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box550.device-desktop .logo-image-wrapper, #PGBWGVSOifLQTUjQ.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #PGBWGVSOifLQTUjQ.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#PGBWGVSOifLQTUjQ.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#PGBWGVSOifLQTUjQ.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#PGBWGVSOifLQTUjQ.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #PGBWGVSOifLQTUjQ .shmktpl-title, #PGBWGVSOifLQTUjQ .sub-heading-container, #PGBWGVSOifLQTUjQ .filter-check-options-cntnr, #PGBWGVSOifLQTUjQ .listing-header-cntnr { display: none; } #PGBWGVSOifLQTUjQ.title .shmktpl-title, #PGBWGVSOifLQTUjQ.subHeading .sub-heading-container, #PGBWGVSOifLQTUjQ.multiSelectFilter .filter-check-options-cntnr, #PGBWGVSOifLQTUjQ.resultsText .listing-header-cntnr { display: flex; } #PGBWGVSOifLQTUjQ.sizeone .add-overlay-content { width: 62%; height: auto; } #PGBWGVSOifLQTUjQ.sizeone .disclosure-title { padding: 6px 0px; } #PGBWGVSOifLQTUjQ.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #PGBWGVSOifLQTUjQ .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #PGBWGVSOifLQTUjQ.sizeone .title-container { margin-top: 0; } #PGBWGVSOifLQTUjQ.sizeone .non_featured_list { margin-top: 0; } #PGBWGVSOifLQTUjQ.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #PGBWGVSOifLQTUjQ.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #PGBWGVSOifLQTUjQ .item { flex: 1 1 calc(50% - 48px); } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+3), #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+1), #PGBWGVSOifLQTUjQ .item:nth-of-type(4n+1) + * { background-color: #fff; } #PGBWGVSOifLQTUjQ .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #PGBWGVSOifLQTUjQ .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #PGBWGVSOifLQTUjQ .desktop, #PGBWGVSOifLQTUjQ .desktop-inline { display: none; } #PGBWGVSOifLQTUjQ .mobile { display: block !important; } #PGBWGVSOifLQTUjQ { padding: 0 18px; } #PGBWGVSOifLQTUjQ .shmktpl-title { font-size: 24px; line-height: 29px; } #PGBWGVSOifLQTUjQ .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #PGBWGVSOifLQTUjQ .add-overlay-content { width: 80%; height: auto; } #PGBWGVSOifLQTUjQ .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #PGBWGVSOifLQTUjQ .row-1 { flex-flow: column; padding: 16px; } #PGBWGVSOifLQTUjQ .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #PGBWGVSOifLQTUjQ .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #PGBWGVSOifLQTUjQ .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #PGBWGVSOifLQTUjQ .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #PGBWGVSOifLQTUjQ .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #PGBWGVSOifLQTUjQ .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #PGBWGVSOifLQTUjQ .prop-value { margin-top: 0; } #PGBWGVSOifLQTUjQ .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #PGBWGVSOifLQTUjQ .non_featured_list { margin-top: 18px; } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #PGBWGVSOifLQTUjQ .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #PGBWGVSOifLQTUjQ .item:nth-child(3n), #PGBWGVSOifLQTUjQ .desktop-bg { background: none; } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { padding: 0; } #PGBWGVSOifLQTUjQ .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #PGBWGVSOifLQTUjQ .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #PGBWGVSOifLQTUjQ .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #PGBWGVSOifLQTUjQ .disclosure-content ul { padding-left: 14px; line-height: 28px; } #PGBWGVSOifLQTUjQ .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #PGBWGVSOifLQTUjQ .additional-features { flex: 0 0 100%; } #PGBWGVSOifLQTUjQ .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #PGBWGVSOifLQTUjQ.sizeone .listing-header-cntnr { display: none; } #PGBWGVSOifLQTUjQ.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #PGBWGVSOifLQTUjQ .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #PGBWGVSOifLQTUjQ .prod-desc-popup-content { position: fixed; } } #PGBWGVSOifLQTUjQ.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #PGBWGVSOifLQTUjQ.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #PGBWGVSOifLQTUjQ.listingAlignment .logo-image-wrapper img { width: 100%; } #PGBWGVSOifLQTUjQ.listingAlignment { padding: 0px; } #PGBWGVSOifLQTUjQ.listingAlignment .listing-title { font-size: 14px; } #PGBWGVSOifLQTUjQ.listingAlignment .listing-title span { font-size: 14px; } #PGBWGVSOifLQTUjQ.listingAlignment .row-1 { padding: 26px 10px; } #PGBWGVSOifLQTUjQ.listingAlignment .prop-name { font-size: 10px; } #PGBWGVSOifLQTUjQ.listingAlignment .prop-value { font-size: 14px } #PGBWGVSOifLQTUjQ.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #PGBWGVSOifLQTUjQ.listingAlignment .logo-column.flex-container { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .prop-conatiner { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .ad-copy-column.flex-container { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .cta-column.flex-container { flex: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .disclosure-content ul li::before { content: unset; } #PGBWGVSOifLQTUjQ.listingAlignment .disclosure-content ul li { list-style: disc; } } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #PGBWGVSOifLQTUjQ.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #PGBWGVSOifLQTUjQ.ctaAlignment .cta-column.flex-container { display: block !important; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button { font-size: 16px; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #PGBWGVSOifLQTUjQ.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #PGBWGVSOifLQTUjQ .sh-no-listing-msg { padding: 20px 0px; } #PGBWGVSOifLQTUjQ .sh-widget-footer-MBT { display: none; } #PGBWGVSOifLQTUjQ.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #PGBWGVSOifLQTUjQ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #PGBWGVSOifLQTUjQ.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #PGBWGVSOifLQTUjQ .sh-widget-footer-QS { display: none; } #PGBWGVSOifLQTUjQ.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #PGBWGVSOifLQTUjQ.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #PGBWGVSOifLQTUjQ.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title, #PGBWGVSOifLQTUjQ.customizeColorEffect .prop-name, #PGBWGVSOifLQTUjQ.customizeColorEffect .prop-value, #PGBWGVSOifLQTUjQ.customizeColorEffect .curDate, #PGBWGVSOifLQTUjQ.customizeColorEffect span.current-date, #PGBWGVSOifLQTUjQ.customizeColorEffect .disclosure-content ul li, #PGBWGVSOifLQTUjQ.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #PGBWGVSOifLQTUjQ.customizeColorEffect .add-text, #PGBWGVSOifLQTUjQ.customizeColorEffect .see-more-text, #PGBWGVSOifLQTUjQ.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #PGBWGVSOifLQTUjQ.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #PGBWGVSOifLQTUjQ.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #PGBWGVSOifLQTUjQ.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #PGBWGVSOifLQTUjQ.sizeone.customizeColorEffect .header-section, #PGBWGVSOifLQTUjQ.customizeColorEffect .row-2 { background: #E9F0EC; } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title { display: unset; } #PGBWGVSOifLQTUjQ.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title .prod-name:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .add-text:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .disclosure-contnr .text:hover, #PGBWGVSOifLQTUjQ.customizeColorEffect .see-more-text:hover { color: #EB0017; } #PGBWGVSOifLQTUjQ.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #PGBWGVSOifLQTUjQ.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #PGBWGVSOifLQTUjQ.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #PGBWGVSOifLQTUjQ.customizeColorEffect .listing-title { display: block; } #PGBWGVSOifLQTUjQ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #PGBWGVSOifLQTUjQ.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #PGBWGVSOifLQTUjQ .sh-right-arrow { display: none; } #PGBWGVSOifLQTUjQ.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #PGBWGVSOifLQTUjQ .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #PGBWGVSOifLQTUjQ.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #PGBWGVSOifLQTUjQ.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #PGBWGVSOifLQTUjQ{position:relative;}.add-overlay-content{right: 4%;}#PGBWGVSOifLQTUjQ .shmktpl-button span.btn__text::after{display:none;} #PGBWGVSOifLQTUjQ .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #PGBWGVSOifLQTUjQ .shmktpl-button:hover{background:#0E86DE;} #PGBWGVSOifLQTUjQ .add-text:hover {color:#0E86DE;} #PGBWGVSOifLQTUjQ .listing-title .prod-name:hover{color:#0E86DE;} #PGBWGVSOifLQTUjQ .disclosure-contnr .text:hover{color:#0E86DE;} #PGBWGVSOifLQTUjQ .see-more-text{width:68px} #PGBWGVSOifLQTUjQ .see-more-text:hover{color:#0E86DE;} #PGBWGVSOifLQTUjQ .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer175 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer175 .sh-first-product .sh-btn__text, #qsWidgetContainer175 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer175 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer175 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }Bask BankBask BankChecking accountEarn 1.00% APYSavings accountEarn 3.90% APYCertificates of depositEarn up to 4.00% APYView offerat MoneyLionCompany insightsYear Founded: 1999Company Headquarters: Dallas, TXWho is Bask Bank good for? Bask Bank’s products are hyper-focused on high APYs. You’ll earn interest on all levels of banking, from checking to savings to certificates of deposit (CDs). If you want to ensure that you’re constantly making money from your deposit accounts, no matter which account you transfer it to, Bask Bank could be an enticing option. Bask Bank can also be an incredible option for those who value American Airlines miles. It offers a savings account specifically designed to accrue AA miles based on your account balance. Who shouldn’t use Bask Bank? Bask Bank does not as of this writing have a full suite of banking products such as money market accounts, loans, mortgages, IRAs, etc., so it’s not the best choice if you’re looking for a financial institution that can meet many different banking needs.N/AProsNo monthly account feesOffers an American Airlines mileage program through a savings accountCompetitive APY on deposit accountsConsSome competitors offer higher checking account interest ratesDoes not have other banking products such as loans, mortgages, or credit cardsNo brick-and-mortar locationsBank details checked Nov. 6, 2025.Bask Bank rates and productsBask Bank offers multiple online banking products: an interest-bearing checking account, a couple of high-yield savings accounts, and a modest selection of CD terms. There are no monthly fees or minimum balance required with these accounts.AccountReturn rateChecking account1.00%Savings account4.05%Mileage savings account1.75 AA miles per dollar saved annually CDs4.10%Checking accountReturn rate1.00%Savings accountReturn rate4.05%Mileage savings accountReturn rate1.75 AA miles per dollar saved annually CDsReturn rate4.10%Bank details checked Nov. 6, 2025.Checking accountBask Bank offers a free checking account with no minimum opening deposit and no minimum balance enforced. It earns a respectable 1.00% APY, which is leagues above the national average of 0.07% for interest-bearing checking accounts. It’s worth noting that, while there are no minimum balance requirements, you must fund your account within 15 days to avoid Bask Bank closing your account. Customers who open a Bask Interest Checking account between Nov. 1, 2025 and Jan. 31, 2026 may be able to earn up to a $300 cash bonus and get a 3.00% APY boost. Terms apply, qualifying activities required.Bask Bank checking account featuresMinimum opening deposit$0Monthly fees$0APY1.00%Online domestic wire transfer$20Online international wire transfer$35Bank details checked Nov. 6, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureMany of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).Rates / Annual Percentage Yield terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts, some of which have paid for a link to their website. Bank, thrift and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.Compare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. Checking AccountsSavings AccountsCertificates of DepositRetirement AccountsReal Estate InvestmentInvestment AccountsAnnuityVIEW AllBusiness CheckingVIEW LESSPlease select one or more products to compare1 ResultsProduct DescriptionsTop PickSoFi® : Checking and Savings AccountMember FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Annual Percentage Yield 0.50% as of 12/12/2025Monthly Fees$0.00Min Deposit to Earn APY$0.00Member FDICDisclosureDisclosure1. Up to $300 Bonus Tiered: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time.These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.2. APY: Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 1/24/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.3. Fee Policy: We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.4. FDIC Insurance: SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.5. ATM Access: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.6. Early Access to Direct Deposit Funds: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduledpayment date, but may vary.7. Overdraft Coverage: Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at http://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.8. 0.70% Savings APY Boost: Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25)for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2 SoFi Bank, N.A. Member FDIC.VIEW DETAILS on SoFi®'s website Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.Additional FeaturesSign up and earn $50 or $300 with eligible direct deposit.55,000+ fee-free ATMs within the Allpoint® Network.Up to 2-day-early paycheck with direct deposit.Earn 0.50% APY.+0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. 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align-items: center; justify-content: center; margin-bottom: 10px; cursor: pointer; width: 170px; font: normal normal bold 18px / 20px Roboto; letter-spacing: 0px; justify-self: end; background: #1C96F0 0% 0% no-repeat padding-box; border-radius: 6px; height: 40px; color: #fff; text-align: center; position: relative; } #qikCsoqlyFfoirgG .shmktpl-button span.btn__text::after { display: none; position: absolute; content: ""; background-image: url("data:image/svg+xml;base64,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"); height: 12px; width: 32px; background-repeat: no-repeat; background-position: center bottom; vertical-align: middle; top: 14px; /* left: 0; */ background-size: 12px 12px; } #qikCsoqlyFfoirgG .sh-row-product-title { max-width: 170px; text-align: center; font: italic normal 300 12px/18px Roboto; letter-spacing: 0.48px; color: #08283B; opacity: 1; } #qikCsoqlyFfoirgG .fdic-insured { display: flex; flex-direction: row; align-items: center; text-align: center; color: #08283B; margin-right: 15px; } #qikCsoqlyFfoirgG .middle-border { width: 0px; height: 11px; border: 1px solid #BEBEBE; opacity: 1; margin-right: 15px; } #qikCsoqlyFfoirgG .disclosure-contnr { text-align: center; } #qikCsoqlyFfoirgG .listing-header-cntnr { margin-top: 34px; } #qikCsoqlyFfoirgG .ad-copy-bottom-section { background: #F2F9FF 0% 0% no-repeat padding-box; padding: 12px; } #qikCsoqlyFfoirgG .non_featured_list { background: #FFFFFF 0% 0% no-repeat padding-box; border-top: 1px solid #D0E0EE; margin-top: 16px; } #qikCsoqlyFfoirgG .listing.flex-container { border-bottom: 1px solid #D0E0EE; border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #qikCsoqlyFfoirgG .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 10px; } #qikCsoqlyFfoirgG .apy-label { font: normal normal 900 24px/28px Roboto; } #qikCsoqlyFfoirgG .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #qikCsoqlyFfoirgG .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #qikCsoqlyFfoirgG .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #qikCsoqlyFfoirgG .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #qikCsoqlyFfoirgG .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #qikCsoqlyFfoirgG .additional-content { margin-top: 0px !important; } #qikCsoqlyFfoirgG .additional-content ul li { margin-bottom: 0; } #qikCsoqlyFfoirgG .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #qikCsoqlyFfoirgG .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #qikCsoqlyFfoirgG .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #qikCsoqlyFfoirgG .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #qikCsoqlyFfoirgG .shArrow { width: 12px; height: 7px; } #qikCsoqlyFfoirgG span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #qikCsoqlyFfoirgG .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #qikCsoqlyFfoirgG .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #qikCsoqlyFfoirgG #see_more_carrier, #qikCsoqlyFfoirgG .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #qikCsoqlyFfoirgG .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #qikCsoqlyFfoirgG .apy-label p { margin-top: 0px; margin-bottom: 0px; } #qikCsoqlyFfoirgG .disclosure-content ul { padding-left: 18px; } @media (min-device-width : 651px) and (max-device-width : 1023px) { #qikCsoqlyFfoirgG { padding: 0 26px; } #qikCsoqlyFfoirgG .logo-image-wrapper { width: 136px; } #qikCsoqlyFfoirgG .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #qikCsoqlyFfoirgG .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #qikCsoqlyFfoirgG .prop-value-container .apy-container { flex: 0 0 44%; } #qikCsoqlyFfoirgG .prop-value-container .mfee-container, #qikCsoqlyFfoirgG .prop-value-container .minvalue-container { flex: 0 0 28%; } #qikCsoqlyFfoirgG .ad-copy-top-section { margin-bottom: 15px; } #qikCsoqlyFfoirgG .sh-row-product-title { max-width: 136px; } #qikCsoqlyFfoirgG .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #qikCsoqlyFfoirgG .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #qikCsoqlyFfoirgG .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #qikCsoqlyFfoirgG .logo-image-wrapper { width: 100%; max-width: 292px; } #qikCsoqlyFfoirgG .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #qikCsoqlyFfoirgG .ad-copy { margin-left: 0; } #qikCsoqlyFfoirgG .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #qikCsoqlyFfoirgG .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #qikCsoqlyFfoirgG .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #qikCsoqlyFfoirgG .see-more-text { padding: 16px 15px; } #qikCsoqlyFfoirgG .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #qikCsoqlyFfoirgG .top-section-right { margin-left: 0px; } #qikCsoqlyFfoirgG .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #qikCsoqlyFfoirgG.sizeone .header-section { padding: 6px 10px; } } #qikCsoqlyFfoirgG.sh-box650.device-desktop .row-1 { padding-left: 14px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box700.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box750.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box800.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box850.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box900.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box700.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box750.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box800.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box850.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box900.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box700.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box750.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box800.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box850.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box900.device-desktop .listing-title, #qikCsoqlyFfoirgG.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box700.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box750.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box800.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box850.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box900.device-desktop .shmktpl-button, #qikCsoqlyFfoirgG.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box750.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box800.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box850.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box900.device-desktop .prop-value-container .apy-container, #qikCsoqlyFfoirgG.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box750.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box800.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box850.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box900.device-desktop .prop-value-container .mfee-container, #qikCsoqlyFfoirgG.sh-box950.device-desktop .prop-value-container .mfee-container #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box750.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box800.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box850.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box900.device-desktop .prop-value-container .minvalue-container, #qikCsoqlyFfoirgG.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box700.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box750.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box800.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box850.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box900.device-desktop .sh-row-product-title, #qikCsoqlyFfoirgG.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box700.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box750.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box800.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box850.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box900.device-desktop .disclosure-content ul li, #qikCsoqlyFfoirgG.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box700.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box750.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box800.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box850.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box900.device-desktop .ad-copy-top-section, #qikCsoqlyFfoirgG.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width : 767.5px) { #qikCsoqlyFfoirgG.sh-box650.device-desktop .row-1, #qikCsoqlyFfoirgG.sh-box700.device-desktop .row-1 , #qikCsoqlyFfoirgG.sh-box650.device-desktop .row-2, #qikCsoqlyFfoirgG.sh-box700.device-desktop .row-2 , #qikCsoqlyFfoirgG.sh-box500.device-desktop .row-1, #qikCsoqlyFfoirgG.sh-box550.device-desktop .row-1 , #qikCsoqlyFfoirgG.sh-box500.device-desktop .row-2, #qikCsoqlyFfoirgG.sh-box550.device-desktop .row-2{ display: unset; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box700.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box550.device-desktop .ad-copy, #qikCsoqlyFfoirgG.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box700.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box550.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box500.device-desktop .apy-label, #qikCsoqlyFfoirgG.sh-box650.device-desktop .prop-value, #qikCsoqlyFfoirgG.sh-box700.device-desktop .prop-value, #qikCsoqlyFfoirgG.sh-box550.device-desktop .prop-value, #qikCsoqlyFfoirgG.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box700.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box550.device-desktop .logo-image-wrapper, #qikCsoqlyFfoirgG.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #qikCsoqlyFfoirgG.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#qikCsoqlyFfoirgG.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#qikCsoqlyFfoirgG.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#qikCsoqlyFfoirgG.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #qikCsoqlyFfoirgG .shmktpl-title, #qikCsoqlyFfoirgG .sub-heading-container, #qikCsoqlyFfoirgG .filter-check-options-cntnr, #qikCsoqlyFfoirgG .listing-header-cntnr { display: none; } #qikCsoqlyFfoirgG.title .shmktpl-title, #qikCsoqlyFfoirgG.subHeading .sub-heading-container, #qikCsoqlyFfoirgG.multiSelectFilter .filter-check-options-cntnr, #qikCsoqlyFfoirgG.resultsText .listing-header-cntnr { display: flex; } #qikCsoqlyFfoirgG.sizeone .add-overlay-content { width: 62%; height: auto; } #qikCsoqlyFfoirgG.sizeone .disclosure-title { padding: 6px 0px; } #qikCsoqlyFfoirgG.sizeone .header-section { padding: 6px 24px; background: #FFFFFF; color: grey; align-items: center; } #qikCsoqlyFfoirgG .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #qikCsoqlyFfoirgG.sizeone .title-container { margin-top: 0; } #qikCsoqlyFfoirgG.sizeone .non_featured_list { margin-top: 0; } #qikCsoqlyFfoirgG.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #qikCsoqlyFfoirgG.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #qikCsoqlyFfoirgG .item { flex: 1 1 calc(50% - 48px); } #qikCsoqlyFfoirgG .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #qikCsoqlyFfoirgG .item:nth-of-type(4n+3), #qikCsoqlyFfoirgG .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #qikCsoqlyFfoirgG .item:nth-of-type(4n+1), #qikCsoqlyFfoirgG .item:nth-of-type(4n+1) + * { background-color: #fff; } #qikCsoqlyFfoirgG .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #qikCsoqlyFfoirgG .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #qikCsoqlyFfoirgG .desktop, #qikCsoqlyFfoirgG .desktop-inline { display: none; } #qikCsoqlyFfoirgG .mobile { display: block !important; } #qikCsoqlyFfoirgG { padding: 0 18px; } #qikCsoqlyFfoirgG .shmktpl-title { font-size: 24px; line-height: 29px; } #qikCsoqlyFfoirgG .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #qikCsoqlyFfoirgG .add-overlay-content { width: 80%; height: auto; } #qikCsoqlyFfoirgG .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #qikCsoqlyFfoirgG .row-1 { flex-flow: column; padding: 16px; } #qikCsoqlyFfoirgG .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #qikCsoqlyFfoirgG .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #qikCsoqlyFfoirgG .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #qikCsoqlyFfoirgG .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #qikCsoqlyFfoirgG .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #qikCsoqlyFfoirgG .prop-value { margin-top: 0; } #qikCsoqlyFfoirgG .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #qikCsoqlyFfoirgG .non_featured_list { margin-top: 18px; } #qikCsoqlyFfoirgG .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #qikCsoqlyFfoirgG .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #qikCsoqlyFfoirgG .item:nth-child(3n), #qikCsoqlyFfoirgG .desktop-bg { background: none; } #qikCsoqlyFfoirgG .prod-desc-popup-content { padding: 0; } #qikCsoqlyFfoirgG .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #qikCsoqlyFfoirgG .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #qikCsoqlyFfoirgG .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #qikCsoqlyFfoirgG .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #qikCsoqlyFfoirgG .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #qikCsoqlyFfoirgG .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #qikCsoqlyFfoirgG .disclosure-content ul { padding-left: 14px; line-height: 28px; } #qikCsoqlyFfoirgG .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #qikCsoqlyFfoirgG .additional-features { flex: 0 0 100%; } #qikCsoqlyFfoirgG .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #qikCsoqlyFfoirgG.sizeone .listing-header-cntnr { display: none; } #qikCsoqlyFfoirgG.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #qikCsoqlyFfoirgG .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #qikCsoqlyFfoirgG .prod-desc-popup-content { position: fixed; } } #qikCsoqlyFfoirgG.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #qikCsoqlyFfoirgG.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #qikCsoqlyFfoirgG.listingAlignment .logo-image-wrapper img { width: 100%; } #qikCsoqlyFfoirgG.listingAlignment { padding: 0px; } #qikCsoqlyFfoirgG.listingAlignment .listing-title { font-size: 14px; } #qikCsoqlyFfoirgG.listingAlignment .listing-title span { font-size: 14px; } #qikCsoqlyFfoirgG.listingAlignment .row-1 { padding: 26px 10px; } #qikCsoqlyFfoirgG.listingAlignment .prop-name { font-size: 10px; } #qikCsoqlyFfoirgG.listingAlignment .prop-value { font-size: 14px } #qikCsoqlyFfoirgG.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #qikCsoqlyFfoirgG.listingAlignment .logo-column.flex-container { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .prop-conatiner { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .ad-copy-column.flex-container { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .cta-column.flex-container { flex: unset; } #qikCsoqlyFfoirgG.listingAlignment .disclosure-content ul li::before { content: unset; } #qikCsoqlyFfoirgG.listingAlignment .disclosure-content ul li { list-style: disc; } } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #qikCsoqlyFfoirgG.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #qikCsoqlyFfoirgG.ctaAlignment .cta-column.flex-container { display: block !important; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button { font-size: 16px; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #qikCsoqlyFfoirgG.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #qikCsoqlyFfoirgG .sh-no-listing-msg { padding: 20px 0px; } #qikCsoqlyFfoirgG .sh-widget-footer-MBT { display: none; } #qikCsoqlyFfoirgG.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #qikCsoqlyFfoirgG.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #qikCsoqlyFfoirgG.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #qikCsoqlyFfoirgG .sh-widget-footer-QS { display: none; } #qikCsoqlyFfoirgG.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #qikCsoqlyFfoirgG.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #qikCsoqlyFfoirgG.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; min-width: 440px !important; } } } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { min-width: 440px; height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #2c93e4; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 12px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #1d70b1; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #2c93e4; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 10px; } } @media (max-width : 767px) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; height: auto !important; min-width: 100% !important; padding: 8px 9px; margin-bottom: 8px; box-sizing: content-box; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 12px; } #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #546F8E; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #qikCsoqlyFfoirgG .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; min-width: 100% !important; } } } } #qikCsoqlyFfoirgG.customizeColorEffect .listing-title, #qikCsoqlyFfoirgG.customizeColorEffect .prop-name, #qikCsoqlyFfoirgG.customizeColorEffect .prop-value, #qikCsoqlyFfoirgG.customizeColorEffect .curDate, #qikCsoqlyFfoirgG.customizeColorEffect span.current-date, #qikCsoqlyFfoirgG.customizeColorEffect .disclosure-content ul li, #qikCsoqlyFfoirgG.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #qikCsoqlyFfoirgG.customizeColorEffect .add-text, #qikCsoqlyFfoirgG.customizeColorEffect .see-more-text, #qikCsoqlyFfoirgG.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #qikCsoqlyFfoirgG.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #qikCsoqlyFfoirgG.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #qikCsoqlyFfoirgG.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #qikCsoqlyFfoirgG.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #qikCsoqlyFfoirgG.sizeone.customizeColorEffect .header-section, #qikCsoqlyFfoirgG.customizeColorEffect .row-2 { background: #E9F0EC; } #qikCsoqlyFfoirgG.customizeColorEffect .listing-title { display: unset; } #qikCsoqlyFfoirgG.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #qikCsoqlyFfoirgG.customizeColorEffect .listing-title .prod-name:hover, #qikCsoqlyFfoirgG.customizeColorEffect .listing-title:hover, #qikCsoqlyFfoirgG.customizeColorEffect .add-text:hover, #qikCsoqlyFfoirgG.customizeColorEffect .disclosure-contnr .text:hover, #qikCsoqlyFfoirgG.customizeColorEffect .see-more-text:hover { color: #EB0017; } #qikCsoqlyFfoirgG.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #qikCsoqlyFfoirgG.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #qikCsoqlyFfoirgG.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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} #qsWidgetContainer174 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer174 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer174 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer174 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer174 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer174 .listing-title { font-size: 20px; font-weight: 600; } }Savings accountsBask Bank has two savings accounts: an interest-earning free savings account and one that earns American Airlines miles. There are no monthly fees or minimum balance required with either account.Bask Bank savings account featuresMinimum opening deposit$0Monthly fees$0APY3.90%Bank details checked Nov. 6, 2025.High-yield Savings Account Bask Bank has one savings account that earns 3.90% APY, which is among the best rates on the market. There are no tiered earning rates and no monthly fees, making it great for someone who can’t be bothered jumping through monthly hoops. Mileage Savings Account For every dollar you save annually with a Bask Bank Mileage Savings account, you can earn 1.75 American Airlines miles. For example, if you’ve kept an average of $40,000 in your savings account, you’d receive 70,000 American Airlines miles.Depending on how you use your miles, 70,000 American Airlines miles could be a considerably better deal than the cash you’d earn by keeping your savings in a high-yield interest-bearing account. For example, you might be able to book a one-way business class flight to Europe for 70,000 miles, as of this writing—while the same flight might cost around $2,500 if purchased without the rewards. Bask Bank Mileage Savings account featuresWelcome bonusEarn 10,000 American Airlines miles when you: – Open an account by Nov. 30, 2025 – Fund your account within 15 business days from account opening – Maintain a minimum $75,000 daily account balance for 180 days of the first 210 days following account openingMinimum opening deposit$0Monthly fees$0Return rate1.75 miles per dollarRewards and offersFirst-time customers who meet eligibility requirements and offer terms can earn 10,000 bonus miles after opening a new account by Nov. 30, 2025 and maintaining a minimum daily balance of $75,000 for 180 consecutive days.Bank details checked Nov. 6, 2025.CDsBask Bank CDs come in six term lengths, from three months to two years. The interest rates are highly competitive, with APYs ranging from 3.65% to 4.00%. Again, you’ll only find standard CDs with Bask Bank; if you’re after a no-penalty, bump-up, or IRA CD, you’ll need to look elsewhere. You must deposit at least $1,000 into the CD within the first 10 business days of opening the account, or it will close automatically. Bask Bank CD featuresMinimum opening deposit$1,000Available term lengths3–24 monthsTop APY4.00%Early withdrawal penalty– Terms less than 91 days: 30 days interest on the principle amount withdrawn – Terms between 91 days and 1 year: 90 days interest on the principle amount withdrawn – Terms greater than 1 year: 180 days interest on the principle amount withdrawnBank details checked Nov. 6, 2025.Bask Bank CD ratesTerm lengthAPY3 months4.00%6 months3.95%9 months3.95%12 months3.85%18 months3.75%24 months3.65%3 monthsAPY4.00%6 monthsAPY3.95%9 monthsAPY3.95%12 monthsAPY3.85%18 monthsAPY3.75%24 monthsAPY3.65%Bank details checked Nov. 6, 2025.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byBest CD Rates for December 12, 2025ZIP Code Deposit Amount $Min. Term Length 6 months1 months6 months1 year18 months2 years3 yearsMax. Term Length 3 years6 months1 year18 months2 years3 years4 years5 years6 yearsFEATURED OFFERSAPYTERMMIN. DEPOSITEST. EARNINGSLoading...4.25 %December 12, 20252yr$ 1000$ 1063Over 1 Year2 years cd AccountUnited Fidelity BankMember FDICQUICK LOOK4.20 %December 9, 20256mo$ 1000$ 1050Over 1 Year6 Mo CD cd AccountLimelightBankMember FDICOFFER DETAILSQUICK LOOKLimelight Bank is the online division of Capital Community Bank. It offers competitive yields on CDs, but it doesn’t offer any other types of bank accounts.READ BANK REVIEW4.15 %December 12, 202518mo$ 1000$ 1038Over 1 Year18 months cd AccountUnited Fidelity BankMember FDICQUICK LOOK12345...164Other services Bask Bank offersBask Bank currently does not offer any other banking service aside from its checking account, two savings accounts, and CDs.Online banking Bask Bank offers a robust online banking experience, allowing you to choose which accounts appear on your home page, secure message representatives, access account statements, set up recurring and scheduled transfers, and more.The Bask Bank platform and customer supportBask Bank is a digital-only bank, which means customers must bank via Bask’s website or mobile app. The app is free and has a 4.7-star rating on the Apple App Store and a 4.5-star rating on Google Play across thousands of reviews.Customers can reach a Bask Bank representative by phone at 833-260-4320 from Monday to Friday between 7 a.m. and 7 p.m. and on Saturday between 9 a.m. and 4 p.m. Central Time. Bask Bank also offers an online request form and a secure messaging feature for existing members.Is Bask Bank secure?As you’d expect, Bask Bank takes measures to protect your sensitive information, including a host of notifications and alerts, two-factor authentication, account monitoring, online privacy protection, and more.Bask Bank is also FDIC-insured, meaning you’re covered up to $250,000 per depositor per ownership category in the event that the bank fails.Bask Bank user reviewsOnline reviews of financial institutions tend to be negative, as angry customers are typically more vocal than those who have had a seamless experience. With that in mind, Bask bank reviews are surprisingly reasonable. It scores a 2.4 rating on Trustpilot, which is actually notably better than many competitors.Gripes include programming issues and a glitchy website, while others praise the bank’s competitive savings rates and simple account setup.Users on forums like Reddit also remark about smooth money transfers and high APYs but a clunky app and occasional technical issues.Compare Bask Bank to alternativesConsider Alliant Credit Union or Quontic Bank if you’re seeking high yields but don’t feel Bask Bank is quite a fit for your needs.Bask BankAlliant Credit UnionQuontic BankTop savings APYTop savings APYTop savings APY3.95%3.10%3.75%Top checking APYTop checking APYTop checking APY1.00%0.25%1.10%Top CD APYTop CD APYTop CD APY4.00%4.10%3.85%Learn moreLearn moreLearn moreView offerat MoneyLionView offerat MoneyLionView offerat QuonticBank details checked Nov. 6, 2025.Is Bask Bank right for you?If you’re simply looking to park some cash into a no-fee savings account or CD with one of the highest rates in the market, then Bask Bank is a good option. It may also be a fair option for those interested in collecting American Airlines miles instead of cash.The bank offers a no-frills checking account, as well—but that’s about it. There are no other lending or credit products, so if you need a full suite of options, another financial institution would be better for you.Frequently asked questionsIs Bask Bank a legitimate bank?Yes, Bask Bank is a division of Texas Capital Bank, a federally regulated financial institution based in Dallas. Bask Bank is also federally insured by the FDIC, so your deposits are covered for up to $250,000 per depositor and account in the event of failure.Is Bask Bank FDIC-insured?Yes, Bask Bank is FDIC-insured up to $250,000 per account holder per ownership category.Does Bask Bank charge monthly fees?Bask Bank doesn’t charge monthly maintenance fees, making it a great option for anyone looking for a free checking or savings account.What is the minimum deposit required to open a Bask Bank account?There is no minimum deposit required to open a Bask Bank checking or savings account—but you must deposit at least $1,000 to open a CD.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Current price of silver as of Monday, November 3, 2025
Personal Finance 2025-12-23 23:45:46

Current price of silver as of Monday, November 3, 2025

At 8:15 a.m. Eastern Time on November 3, 2025, silver was valued at $48.79 per ounce. That’s a $0.18 downtick from the same time on Friday but more than a $16 gain over the past year.Silver price per ounce% ChangePrice of silver yesterday$48.97-0.36%Price of silver 1 month ago$46.98+3.85%Price of silver 1 year ago$32.45+50.35%Price of silver yesterdaySilver price per ounce$48.97% Change-0.36%Price of silver 1 month agoSilver price per ounce$46.98% Change+3.85%Price of silver 1 year agoSilver price per ounce$32.45% Change+50.35%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver is not a get-rich-quick investment. It tends to far underperform traditional stocks over the long term. Since 1921, silver has declined around 96% against the S&P 500. In other words, if you had invested the same amount of money in both stocks and silver at the same time, your silver would now be worth 96% less than your stocks. Instead, silver is considered a comparatively safe and reliable asset that can help you to preserve the value of your money. You’ll sometimes hear it described as a “store of value.” It tends to retain its value during periods of inflation—so converting your money into silver is something like a cryogenic chamber to store your funds when inflation is weighing on your mind.Silver tends to be more volatile than gold. While gold is largely used as a store of value, silver is also widely used in industry (think electronics, medical devices, etc.). This means the value of silver is more directly susceptible to industry demands.What does “spot silver” mean? Put simply, the “spot silver” price is the current rate at which one could in theory instantly sell or buy silver. But, it’s crucial to note individual buyers will often have to pay above spot when buying silver, as there are other costs affecting the final price—think markups, shipping fees, and insurance.  The spot price of silver is a benchmark that investors use to monitor real-time demand and trends. If the spot price is higher, the demand is greater. What is “price spread” in silver trading? Silver’s “price spread” is the disparity between its buying and selling price. There are two terms you should know: Ask price (what you’ll pay to purchase silver). Bid price (what you’ll earn when selling your silver). As you’d expect, the bid price is lower than the ask price. The narrower the bid-ask spread, the higher the demand for silver. #qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; 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font-weight: 600; } }How to invest in silver Investing in silver can take many different forms. You can choose to collect physical silver, or you can (more commonly) invest in silver exchange-traded funds (ETFs).The latter allows you to buy shares in a fund that holds silver—meaning you won’t have to store and insure it yourself. Popular silver investment options include: Silver bullion.Sold as bars or rounds, you can purchase these by weight and purity. Silver coins.While coins and rounds may look similar, coins are government-minted currency. There are many silver coin options that tend to price higher than standard bullion, including American Silver Eagle and Silver Maple Leaf coins due to factors such as rarity and government backing. Silver jewelry.Silver crafted into jewelry prices above silver bullion of equal purity. Silver mining stocks.Purchasing stock in a company that mines silver allows you to bet on silver without owning any metals yourself. Silver investments, such as silver bullion and coins, follow the “three nines fine” rule to be traded on exchange platforms. If it’s less than 99.9% pure, it’s typically considered a collectible or industrial-grade.  The best silver IRA companies can walk you through the specifics.Is it a good time to invest in silver? Silver is doing well in 2025, rising nearly 25% year-to-date. It’s currently priced higher than any time in the previous decade. Still, the answer as to whether now is a good time to invest in silver is subjective. For example, if you’re worried about increased inflation, adding precious metals to your portfolio can be a smart choice. Or, if you’re looking toward an impending surge in silver demand (perhaps from increasing popularity in green initiatives that require silver, such as solar equipment) that could drive up value, buying silver might make sense. Current precious metals prices as of 8:15 a.m. ET on November 3, 2025 Precious metal Price per ounceGold$4,015.88Silver$48.79Platinum$1,584.15Palladium$1,453.14GoldPrice per ounce$4,015.88SilverPrice per ounce$48.79PlatinumPrice per ounce$1,584.15PalladiumPrice per ounce$1,453.14Gold, platinum, and palladium are also investor favorites. Platinum and palladium typically act similarly to silver in volatility. They’ve got a smaller global market compared to gold, meaning even seemingly trifling market changes can result in big price fluctuations. Gold, meanwhile, tends to be less volatile overall than these metals.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway With the U.S. economy experiencing unique uncertainty of late, precious metals may be an investment on your radar. Silver has outpaced gold in 2025 in terms of growth, and some experts suspect a boom in the coming years that could result in silver pricing at an all-time high over again. Silver is a very accessible investment, especially compared to the price of gold. Even if you’re reluctant to hold physical coins or bars, you can choose to buy silver ETFs or silver mining stocks to ride the expert-predicted silver wave. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Experts recommend between 10% and 15% of your portfolio to be in silver—with no more than 20% in total invested in precious metals. Can silver be held in an IRA?Yes, you use your IRA to invest in IRA-approved silver products, such as coins and bars. The silver must be 99.9% pure and stored with an IRS-approved custodian. This means constitutional or junk silver, referring to coins minted in the U.S. prior to 1965 and containing a substantial silver content (often around 90%), are not eligible to include in a silver IRA. That said, silver that doesn’t meet this purity threshold can still be a smart investment in jewelry or coins with numismatic value—you just can’t use funds from your IRA to buy it.What’s driving silver prices in 2025? Silver has been increasing in value due to a combination of scarcity and both industrial and investor demand.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

The most affordable ways to lower the costs of sending a car
Health 2025-12-28 20:58:27

The most affordable ways to lower the costs of sending a car

ContentsChoose the correct shipping methodPlan for seasonal changesResearch and compare quotesConsider Terminal-Terminal ShippingChoose flexible shipping datesReduce the vehicle weightUse discounts and promotionsEnsure good vehicle maintenanceMoving a car from one place to the other can be quite overwhelming. Sometimes the costs out of control start to spiral for people who handle situations, such as moving for a job, buying a car online or even sending to the location of a distant family member. Some ways can help reduce the costs of sending a car without endangering the quality and reliability of the transport process.Choose the correct shipping methodThere are many ways to send your vehicle. Each can influence the overall Costs when sending a car. Standard shipping, where vehicles are loaded onto a truck without protection, is usually the budget -friendly option, despite the fact that your car is vulnerable to different weather conditions and factors outside of your control. On the other hand, enclosed transport protection offers, but comes with a higher price tag.Plan for seasonal changesThe time is essential to decide how much it costs to send items from one place to another. The question increases in times such as summer and the holidays, just like the prices. If you plan your shipments for quieter times of the year when there are no people who are things in the area, you might save some money. If you are open to changing the dates that your things are sent, you can give a chance to get a lot, because it is all about negotiations and finding the best prices. Thinking and being ready for when things are busier or slower all year round, can help you spend more than necessary on shipping costs..ubf5a320f524c4135891f90dbc15592ac { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ubf5a320f524c4135891f90dbc15592ac:active, .ubf5a320f524c4135891f90dbc15592ac:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ubf5a320f524c4135891f90dbc15592ac { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ubf5a320f524c4135891f90dbc15592ac .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ubf5a320f524c4135891f90dbc15592ac .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ubf5a320f524c4135891f90dbc15592ac:hover .postTitle { text-decoration: underline!important; } See alsoLondon For Less: Top Tips & Tricks For An Affordable TripResearch and compare quotesIt is crucial to do research before you choose a shipping company. You must receive quotes from multiple providers to compare and get the best deal. In addition to the prices, it is important to take into account factors such as reputationReliability and feedback from customers. A cheaper price does not necessarily mean quality service. By taking the time to investigate, you can find a company that offers the best rates.Consider Terminal-Terminal ShippingOffering door-to-door service offers convenience, but comes with a higher price tag than terminal shipment, where the vehicle is deposited and collected at specified locations. Although less handy, this approach in particular lowers the costs with a considerable margin. Assessment of the balance between convenience and savings aids when making choices tailored to preferences.Choose flexible shipping datesHaving some flexibility in delivery data can lead to cost savings, because shipping companies tend to lower their prices for delivery schedules. Is open to adjustments in the timing, illuminates the pressure on transport routes, allowing companies to plan efficiently and reduce costs. This approach is especially favorable for those who are not limited by deadlines of delivery.Reduce the vehicle weightShipping costs are influenced by the weight of the items that are transported in the shipping process of a vehicle. That is why it is advisable to remove assets and extra accessories to save money on shipping costs, because many companies calculate costs based on weight that can be reduced by this promotion. This approach meets the regulations and reduces the chances of damage during transport..uf9c51ff7ed14ca303ad1e48a11bf0e17 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uf9c51ff7ed14ca303ad1e48a11bf0e17:active, .uf9c51ff7ed14ca303ad1e48a11bf0e17:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uf9c51ff7ed14ca303ad1e48a11bf0e17 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uf9c51ff7ed14ca303ad1e48a11bf0e17 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uf9c51ff7ed14ca303ad1e48a11bf0e17 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uf9c51ff7ed14ca303ad1e48a11bf0e17:hover .postTitle { text-decoration: underline!important; } See also8 Most Affordable Places to Visit in Canada in Fall 2023Use discounts and promotionsVarious shipping companies offer discounts and deals to seduce customers’ attention. Students, seniors and soldiers often meet the criteria for reduced rates. Even if you do not fall into these groups, investigating promotions or referring schedules can reveal ways to save money. Staying informed of the offers helps to maximize savings on costs.Ensure good vehicle maintenanceBefore sending a shipping vehicle, it is crucial to ensure that it is in the working state to prevent the costs later in the process. Inspecting liquid levels and tire pressure, as well as in advance checking the battery life, can help reduce the opportunities to encounter problems while the vehicle is on the road. If problems take place during shipment, companies can apply extra costs for any required services.ConclusionLowering the expenditure related to the transport of a car requires planning and adaptability. Selecting the correct transport mode based on needs and exploring different terminal options can lead to considerable cost savings when delivering a vehicle from one point to another. In addition, keeping the vehicle maintaining and eliminating each tax can significantly help to reduce costs, while the car arrives in top condition at its destination. Flexibility When planning the delivery data also plays a role in minimizing costs related to autodijen while retaining a balance between cost -effectiveness and receiving quality service during the shipping process.

Luke Shaw: Manchester United defender has suffered injury setback
Sports 2026-01-02 21:58:47

Luke Shaw: Manchester United defender has suffered injury setback

Manchester United left-back Luke Shaw has suffered an injury setback.Shaw, who sustained a calf injury days before the start of the Premier League season, is yet to feature for United this season. Manchester United left-back Luke Shaw has suffered an injury setback. Shaw, who sustained a calf injury days before the start of the Premier League season, is yet to feature for United this season. The 29-year-old was expected to return from injury after the September international break. However, when that comeback was delayed, Shaw's potential return date was changed to after the October international break. However, the England international remains sidelined, and speaking after Man Utd's defeat to West Ham on Sunday, then United boss Erik ten Hag revealed that Shaw's recovery was not going to plan and "the wrong process" had led to a setback. "The process is not going as we expected, that's the truth," said Ten Hag, who was sacked by Man Utd on Monday. "The setback - if you want to call it like this - but we want to do it very careful because when he is now dropping again we have made the wrong process. "So we want to be very careful. We know his past. We have to do this right because we want him to be available because he will have a big impact on our performances and also on our levels. "We can't have it that he is playing for some games and then drops out again. So we do it very careful." United - who face Leicester in the Carabao Cup on Wednesday, live onSky Sports+- currently have seven players out through injury and Ten Hag said last Friday that those absences were holding back his Man Utd. They were plagued by injuries last season and the recurrence of the problem led Ten Hag to call on the whole club to find solutions. "Yeah, [the injuries] holds us back in our levels. And also in our position in the league," said Ten Hag last week. "When you don't have the players available you can't line up the best team and that is what's holding us back in this moment and we need more players more often available. "We have to work all together on this point, players, coaching staff, all the other staff, we have to do better to get more available players. Because we know when we have them we are a really tough team to play and can be really successful, which is what we have shown over the last couple of months." Ruud van Nistelrooy will take charge of the team as interim head coach, starting against Leicester, while a permanent head coach is recruited.

Man Utd's 'expressed interest' in Amorim confirmed by Sporting
Sports 2025-12-19 23:26:38

Man Utd's 'expressed interest' in Amorim confirmed by Sporting

Sporting CP confirmed they have received an approach from Manchester United for their manager, Ruben Amorim.The reigning Primeira Liga champions also said the Old Trafford club have "expressed interest" in paying the €10million (£8.3m) release clause in their boss' contract. Sporting CP confirmed they have received an approach from Manchester United for their manager, Ruben Amorim. The reigning Primeira Liga champions also said the Old Trafford club have "expressed interest" in paying the €10million (£8.3m) release clause in their boss' contract. United are in the hunt for a new manager after parting ways with Erik ten Hag on Monday, with the club 14th in the Premier League after nine games this season. Ruud van Nistelrooy has taken charge as interim head coach, though Sporting confirmed in a statement to Portugal's financial regulator, the CMVM, that interest had been received. "Manchester United have expressed their interest in recruiting coach Ruben Amorim and have said they are ready to pay the 10 million euro release clause," it read. Amorim led Sporting to their first league title in 19 years in 2021, and repeated the achievement with the Lisbon club last season. He has overseen 156 games in charge of Sporting in Portugal’s Primeira Liga, recording 120 wins. Amorim's 76.92% win ratio in the competition is the best of any Sporting coach on record to have overseen more than two matches in the Primera Liga. So far this season, his side has won all nine of their league games, and have taken seven points from their first three Champions League matches. Should the 39-year-old be appointed, he would be the seventh Portuguese boss to manage in the Premier League after Jose Mourinho, Marco Silva, Nuno Espirito Santo, Andre Villas-Boas, Bruno Lage and Carlos Carvalhal. Sporting are in action on Tuesday against Nacional in the Portuguese League Cup, which could prove to be Amorim's final game at the helm.

Current refi mortgage rates report for Nov. 3, 2025
Personal Finance 2025-12-21 23:17:03

Current refi mortgage rates report for Nov. 3, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.36%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.36%20-year6.41%15-year5.59%10-year5.84%Jumbo mortgages30-year6.93%15-year6.17%FHA loans30-year7.13%15-year5.66%VA loans30-year5.72%15-year5.87%Note thatFortunereviewed the most recent Zillow data available as of October 31, 2025.How mortgage refinancing worksA mortgage refinance essentially pays off your existing home loan with a new one. Just like when you applied for a mortgage the first time around, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. Note that this means your credit score will likely take a small hit due to the hard inquiry. And it also means if you don’t meet the lender’s requirements, you can be denied for a refi loan.What’s happening with mortgage rates in the market?Some observers hoped mortgage interest rates would fall in tandem cuts made by the Federal Reserve to the federal funds rate late last year. But, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—looking at the nationwide average for 30-year, fixed-rate loans—for months.Rates have remained well above the pandemic-era lows, when some homeowners snagged loans with rates in the 2% and 3% range. Many remain locked in, unwilling to move or refinance in the current environment. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%.Still, homeowners finally started getting some relief in late August and early September of 2025, when mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting—at which the central bank delivered the year’s first rate cut.When it might make sense to refinance your mortgageAs we’ll cover more in the next section, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One common guideline is that if you can get a new rate that’s a full percentage point lower than your current rate, it’s worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% might find it worth their while to refinance if rates drop and they can get a new loan with a 6% rate.It may also be worth refinancing to tap your home equity through a cash-out refi. Note that you’ll typically need to have at least 20% equity in your home for this. So, if you purchased the place with the 5% minimum down payment—or 3% for first-time homebuyers—typically available on conventional loans, it could take a while before you’re eligible for a cash-out refi.Yet another situation where you might benefit from refinancing is to change your loan term. For example, maybe you took out a 15-year mortgage intending to save on interest charges in the long run in exchange for higher monthly payments. But life is unpredictable, and maybe you’ve decided the monthly payments are spreading your budget too thin. Refinancing to a 30-year loan may offer the flexibility to make smaller monthly payments that fit your budget better.There are also cases where it can make sense to switch loan types. If you have an FHA loan with a lifetime requirement to pay mortgage insurance, for instance, refinancing so you can change your mortgage to a conventional loan could provide an opportunity to ditch that insurance cost (called MIP on an FHA loan or PMI on a conventional). Or, if you initially took out an adjustable-rate mortgage (ARM) and you’ve realized you intend to keep the loan for a significant number of years, refinancing to switch to a fixed-rate mortgage might be a smart way to avoid rate hikes when your ARM’s adjustment period kicks in.Costs to refinance your mortgageMuch like a traditional home loan taken out to purchase a property, refinancing a mortgage involves closing costs that run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might  pay anywhere from $6,000 to $18,000 in refi closing costs. Here are some of the costs you might see on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans on the market, and the right one for your needs will depend on what you’re aiming to accomplish and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is the most popular refi option that allows you to lower your interest rate and/or shorten your loan term. While shortening your loan term does typically earn you a lower rate and hefty lifetime interest savings, you’ll be locked into higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by replacing your existing loan balance with a new, larger one and withdraw the difference in cash. You can use the money for home improvements, consolidating high-interest debt or other financial goals.No-closing-cost refinance:With this option, your lender covers your closing costs in exchange for charging you a higher interest rate. If you don’t have cash upfront for closing costs and could otherwise benefit from a refinance, this option may be worth looking into.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, these refi options involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneThere’s no requirement that you refinance with the same lender you got your original mortgage from. Thus, it’s worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stick with them, such as waiving a portion of the closing costs. Since these charges can be an expensive upfront cost, it’s worth checking with your existing lender about incentives—as that might reduce the barrier to refinancing and allow you to refi more easily than you’d otherwise be able to. Finally, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs such as Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

'Rodri's on fire': Man City star celebrates Ballon d'Or triumph by singing along
Sports 2026-01-06 00:42:34

'Rodri's on fire': Man City star celebrates Ballon d'Or triumph by singing along

Manchester City star Rodri was seen celebrating his Ballon d'Or success at a restaurant on Monday night.The Spanish midfielder — out for the season with a double knee injury — became the first Premier League player to win the award since Cristiano Ronaldo in 2008. Manchester City star Rodri was seen celebrating his Ballon d'Or success at a restaurant on Monday night. The Spanish midfielder — out for the season with a double knee injury — became the first Premier League player to win the award since Cristiano Ronaldo in 2008. Rodri, 28, helped City to a fourth straight league title this year and was an integral member of Spain’s European Championship winning side. Rodri has lost only one club game in 18 months. There was controversy on the night as Real Madrid's Vinicius Jr refused to attend the ceremony after being snubbed - but that didn't dampen Rodri's spirits. Shortly after he won the award, a video appeared on social media that showed the 28-year-old wildly celebrating his achievement in a restaurant. The video, posted on Man City's X account, showed Rodri sat in a restaurant - alongside team-mate Ruben Dias - singing 'Rodri's on fire!'. The City duo - accompanied by an entire table of people - belted out a loud rendition of the chant while chucking their napkins in the air. Rodri and his friends continued their singing throughout the night and also carried on waving the napkins above their heads as they celebrated the Spaniard's victory. Soaking in the adulation on Monday night, the visibly emotional midfielder said: 'Incredible night for me today. If you will let me, I would like to speak in my language of my country. In Spanish, he added: 'I always said that one of my key things is that I try to improve every day. https://img.allfootballapp.com/www/M00/59/93/720x-/-/-/CgAGVmchBSOAHF9QAADcAh2U80c388.jpg https://img.allfootballapp.com/www/M00/59/92/720x-/-/-/CgAGVWchBSOAffT5AACgZCiHOtc464.jpg 'I was a traditional midfielder but when I realised I needed to get better in terms of assists and goals. You have to be like a striker because we always play in the frontal area. That is the key to improving every day. 'People don't know me much, I am just a normal guy. I try to enjoy my profession, try to be a good person, a leader, and learn every day from the best. 'I am a calm person until I get upset. I am a normal guy and try to say to my kids that you don't need to be crazy and try to do your best. 'I am feeling much better. A big big injury, it's part of life and sport. I try to look at the best part of this and be positive.'

'I called my father crying' - Rodri admits he nearly quit football
Sports 2026-01-11 12:35:14

'I called my father crying' - Rodri admits he nearly quit football

Rodri claimed his Ballon d’Or triumph was a victory for football after revealing he nearly quit as a teenager.The Manchester City midfielder’s surprise win in Paris was overshadowed by the childish boycott of the ceremony by Real Madrid after Vinicius Jr came second. But Rodri is a worthy winner after winning a fourth consecutive Premier League title and then the Player of the Tournament as his Spain won Euro 2024. Rodri claimed his Ballon d’Or triumph was a victory for football after revealing he nearly quit as a teenager. The Manchester City midfielder’s surprise win in Paris was overshadowed by the childish boycott of the ceremony by Real Madrid after Vinicius Jr came second. But Rodri is a worthy winner after winning a fourth consecutive Premier League title and then the Player of the Tournament as his Spain won Euro 2024. And his election is recognition by the jury that football is a team sport not just made up of superstar egos. Since Kaka ’s win in 2007, only Luka Modric (2018) and Karim Benzema (2022) have broken the domination of Lionel Messi (eight wins) and Cristiano Ronaldo (five). And Rodri, who appeared at the ceremony on crutches after undergoing season-ending ACL surgery last month, said: “We are often overshadowed by more attacking players but this time it is our turn. I am just a normal boy who profits from his job. I try to be a good team-mate, to give the best version of myself. “I have a thought for all the great midfielders, those who have won the Ballon d’Or before me. Messi and Ronaldo, the two best players in history, have for a long time confiscated this trophy but they are no longer here. Their absence launches a new era with a lot of great players. Football has won.” He is first Manchester City player to win the award and first Spanish male since Luis Suarez in 1960. His City team-mate Ilkay Gundogan said: “From today on he is finally not ‘underrated’ anymore. I’m especially happy that someone in a defensive position is winning this title and not always just the offensive players.” Shaped by Diego Simeone at Atletico Madrid and now Pep Guardiola at City, the modest star has developed into the perfect modern midfielder. Rodri, who scored the winning goal in the 2023 Champions League final, added: “Winning the Ballon d’Or is the realisation of a dream and a genuine honour for me. “However, individual prizes are so often the result of strong team performances, and I am eternally grateful to everyone at Manchester City. My teammates are the best – I could not ask for more from them, both personally and professionally – and the support I receive from across every department at the football club means I am given the opportunity to focus on my football and perform at my very best. “I am very fortunate to be able to call myself a Manchester City player. My focus now is returning to full fitness and pulling on a City shirt again.” Madrid-born Rodri, who was rejected by the Atletico Madrid academy, also spoke about his testing journey to the top. “When I was 17-year-old I packed up my suitcases and I went to Villarreal with a dream to work in the Premier League,” he recalled. ”One day I called my father crying, telling him it was all over and that I had invested my life to get here and I had the feeling that this was it. “My father said we had come all the way here, let’s keep going and this is something that changed my mindset and now, here I am.” Rodri added: “I am going to keep doing what got me here. It is a message to young people: work, well done, can allow you to reach a very high level . It is my formula for success which will happen again I hope.”

'The FOUR star players Ten hag instructed to sign' only for the club to fail
Sports 2025-12-16 22:38:18

'The FOUR star players Ten hag instructed to sign' only for the club to fail

Prior to his sacking, Erik ten Hag was reportedly frustrated that Man United chiefs failed to sign four star players for the side.The Dutchman was sacked by Red Devils boss on Monday, finally bringing an end to his two-and-a-half year spell in charge that had been punctuated in its latter months by the near-constant threat of his dismissal. Prior to his sacking, Erik ten Hag was reportedly frustrated that Man United chiefs failed to sign four star players for the side. The Dutchman was sacked by Red Devils boss on Monday, finally bringing an end to his two-and-a-half year spell in charge that had been punctuated in its latter months by the near-constant threat of his dismissal. His position looked untenable ahead of the FA Cup final in May following a disappointing league campaign that saw them finish eighth in the Premier League. But their shock 2-1 win over Manchester City spared the former Ajax manager for a few more months. Ten Hag safety was only confirmed after Ineos conducted an end-of-season review, which included club chiefs speaking to prospective candidates. It's now emerged, prior to Ten Hag's departure, that the Dutchman did voice his frustration with United being unable to sign any of his transfer targets. According to ESPN, Ten Hag was frustrated that the club failed to sign Frenkie de Jong, Alexis Mac Allister, Federico Valverde and Harry Kane. The report further claims that United's chiefs found his demands to be 'unrealistic'. Ever since Ten Hag arrived at Old Trafford, rumours over a potential move for Barcelona star De Jong had been rife but the transfer never materialised. Meanwhile, United's interest in Harry Kane was well known but, instead, they opted to sign Rasmus Hojlund while the England captain joined Bayern Munich. In April last year, rumours suggested that United were keen on signing at-the-time Brighton star Mac Allister but, instead, the midfielder moved to Liverpool. Whereas Valverde has remained firmly at Madrid likely due to his high wage and the immense transfer fee it would take to pry him away from the Bernabeu. Meanwhile, Ten Hag reportedly considered quitting United in the summer amid criticism of his performance and speculation the club were in talks with managers. https://img.allfootballapp.com/www/M00/59/94/720x-/-/-/CgAGVmchDCqAeQlXAACPdfnBC2U192.jpg According to Dutch outlet De Telegraaf, reports of those meetings, as well as heavy criticism of his performance as United boss made the 54-year-old consider resigning. They report that Ten Hag only decided to stay during a lengthy summit in Ibiza, where he had jetted off on holiday. Ten Hag agreed a one-year contract extension with the club following the clear-the-air talks in the summer. That deal would have seen him remain at the helm until 2026. Ten Hag lifted the lid on his discussions with United and revealed the club had turned up on his doorstep to confirm they wished for him to remain.

Man Utd remain locked in talks with Sporting over Ruben Amorim's start date
Sports 2026-01-08 19:55:08

Man Utd remain locked in talks with Sporting over Ruben Amorim's start date

Manchester United are currently locked in talks with Sporting Lisbon over Ruben Amorim’s notice period, which Mail Sport has learned is ‘a number of weeks’.The Portuguese club confirmed in a statement to the market on Tuesday afternoon that they had been approached by the Premier League giants, who want to replace sacked Erik ten Hag with their highly-rated young coach. Manchester United are currently locked in talks with Sporting Lisbon over Ruben Amorim’s notice period, which Mail Sport has learned is ‘a number of weeks’. The Portuguese club confirmed in a statement to the market on Tuesday afternoon that they had been approached by the Premier League giants, who want to replace sacked Erik ten Hag with their highly-rated young coach. The note added that that United had ‘expressed an interest’ in paying the 39-year-old’s release clause. However, while United are happy to meet that clause, they are currently negotiating when Amorim can start what will be a huge job at Old Trafford. And it can be revealed that Amorim, 39, has a notice period of ‘a number of weeks rather than days’. That means that should an agreement not be reached on an earlier termination, he will not be in the dugout when United take on Chelsea on Sunday. Indeed, there is a prospect that Amorim, who won back-to-back titles in Portugal, could not take charge until United head to Ipswich Town on November 24th. After facing Leicester in the EFL Cup tomorrow night and Chelsea on Sunday, the 14th-placed side take on Leicester in the league on November 10. Following that match, there is a two-week international break before the trip to Portman Road in a televised Sunday 4.30pm kick-off. Sporting’s statement disclosed that their directors had informed United’s representatives of the terms of the 39-year-old’s contract ‘specifically the termination clause of 10,000,000 euros’ and added that United ‘expressed an interest’ in paying that valuation.

Women in Massachusetts empowing through addiction repair services
Health 2025-12-27 13:06:13

Women in Massachusetts empowing through addiction repair services

ContentsInsight into the unique challenges that women are confrontedDemolish treatment barriersExtensive treatment personsBuilding life skills for successThe power of recovery communities focused on womenTackling mental health in recoverySources for continuous supportPersonalized treatment planningNavigating through insurance and financial supportThe role of technology in recoveryCreate a sustainable recovery lifestyleThe path to lasting recoveryAre you looking for help to conquer addiction within Massachusetts?Women are confronted with unique challenges that make their recovery journey seem overwhelming. Women represent only 30.8% of admitted patients in Massachusetts treatment centers, although they are confronted with different obstacles and treatment requirements.But here is the good news …Specialized addiction repair services exist to enable women and to guide them in every phase of their recovery process. The possibility of achieving permanent recovery exists when women receive the right support systems and essential means.Break through barriers:Insight into the treatment needs of womenAvailable recovery servicesSupport support systems and sourcesBuild up long -termNext steps in recoveryInsight into the unique challenges that women are confrontedWomen experience different recovery barriers that differ from those with which men are confronted during the recovery of addictions. Family tasks together with Stigma and the fear of losing the custody of children, many women have their pursuit of treatment.This hesitation can have serious consequences. In 2019, Massachusetts was in the eighth position nationwide for drug -related death rates with 32.1 deaths per 100,000 people. Most opioid-related fatalities in Massachusetts in 2018 were caused by synthetic opioids such as fentanyl.Recovery can be achieved with the support of others. Quality Drug Rehab Services in Massachusetts Towards the specific requirements of women, including childcare assistance and trauma -based treatment solutions.Demolish treatment barriersThe most important obstacle for women in recovery remains their ability to gain access to the required treatment services. The total number of recordings for Massachusetts drug and alcohol treatment centers reached 87,754 in 2010 with women who represent less than a third of these recordings..u9656ead5a508edf7743bd57937a8d984 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u9656ead5a508edf7743bd57937a8d984:active, .u9656ead5a508edf7743bd57937a8d984:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u9656ead5a508edf7743bd57937a8d984 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u9656ead5a508edf7743bd57937a8d984 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u9656ead5a508edf7743bd57937a8d984 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u9656ead5a508edf7743bd57937a8d984:hover .postTitle { text-decoration: underline!important; } See alsoFall Dresses For Women To Make A StatementProgressive treatment centers are intended to dismantle these barriers by their provision of:Flexible treatment schedulesTransport helpChildcare servicesFinancial aid optionsTeleHealth ServicesFamily inclusive programmingCultural competence trainingWomen benefit from these developments because they make access to necessary care possible without sacrificing their other obligations.Extensive treatment personsTreatment centers in Massachusetts know that successful recovery requires a holistic strategy. About a quarter of the persons being treated reported alcohol as their primary substance of abuse according to admission statistics, but others needed help for multiple substance dependence.The current approach to addiction treatment combines established therapeutic methods with new treatment strategies. Treatment programs usually include:Individual counselingGroup therapyFamily therapyMedicine -supported treatmentBehavioral therapyMindfulness practicesRetail prevention trainingChoose to ignore treatment options can have destructive effects. A study from 2007 showed that Massachusetts has incurred $ 1.5 billion in costs by drinking a minor drink, which shows how addiction influences the economies in addition to personal costs.Building life skills for successAusterity means more than just ending substance use because real recovery includes creating a meaningful and satisfying life when sober. Quality treatment programs help women develop:Techniques for stress managementHealthy coping -mechanismsCommunication skillsFinancial management skillsCareer development toolsParental skillsSelf -avoidance optionsThe development of these skills creates a strong basis for sustainable recovery and continuous personal development.The power of recovery communities focused on womenThe success of recovery in the long term depends on the establishment of a supporting environment. Women-Centralized recovery communities offer unique benefits:Pear support of others who understandSafe spaces to share experiencesRole models in recoveryNetworking optionsShared sources for childcareCommunity Outreach programsAlumni support groups.uad65eb4ff17f4d5ec1b9c396bbe4d17b { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uad65eb4ff17f4d5ec1b9c396bbe4d17b:active, .uad65eb4ff17f4d5ec1b9c396bbe4d17b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uad65eb4ff17f4d5ec1b9c396bbe4d17b { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uad65eb4ff17f4d5ec1b9c396bbe4d17b .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uad65eb4ff17f4d5ec1b9c396bbe4d17b .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uad65eb4ff17f4d5ec1b9c396bbe4d17b:hover .postTitle { text-decoration: underline!important; } See alsoLast Week’s Best-Dressed Women Redefined Fashion With PowerWithin these communities, women develop essential support networks that help them retain austerity.Tackling mental health in recoverySuccessful recovery for women requires treatment for simultaneous psychological disorders. For many women, addiction is struggling with different challenges in the field of mental health.Depression and fearPost-traumatic stress disorderEating disordersBipolar disorderTrauma from the pastSelf -respecting issuesRelationship problemsCurrent recovery treatment methods understand the simultaneous necessity of mental health and addiction repair. Women who tackle mental disorders and addiction repair at the same time improve their chance of retaining recovery and emotional well -being.Sources for continuous supportRecovery is a journey, not a destination. Women in recovery have access to multiple support sources in Massachusetts.Continuous care programsRecovery coachingSupport group meetingsEmployment assistanceHousing supportEducational possibilitiesCrisis intervention servicesLong -term recovery maintenance and relapse prevention depending on continuous support systems.Personalized treatment planningThe clear nature of every woman’s recovery journey makes personalized treatment planning essential for effective treatment. Consider effective programs in Massachusetts:Individual circumstances and needsCultural background and valuesPersonal recovery goalsPrevious treatment experiencesCurrent life managementsSupport system availabilityTreatment preferencesThe tailor -made strategy to every woman ensures that she gets the exact sources and support needed for successful recovery. Healthcare providers evaluate and change the treatment plans routinely as patients progress and evolve their needs.Navigating through insurance and financial supportThe treatment costs are the primary care for women who enter treatment programs. Massachusetts Commonwealth offers several paths to ensure that treatment services are affordable and accessible.Programs financed by the stateSliding -scale payment optionsInsurance coverage for helpPayment plan schemesExhibition optionsGrant-Fastinanced ProgramsFinancial counseling servicesTreatment centers employ special employees who help customers understand insurance coverage and discover financial solutions to make effective recovery possible..ue53b0fab6a1243a7986e849465a97d2b { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ue53b0fab6a1243a7986e849465a97d2b:active, .ue53b0fab6a1243a7986e849465a97d2b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ue53b0fab6a1243a7986e849465a97d2b { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ue53b0fab6a1243a7986e849465a97d2b .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ue53b0fab6a1243a7986e849465a97d2b .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ue53b0fab6a1243a7986e849465a97d2b:hover .postTitle { text-decoration: underline!important; } See alsoBest Waterproof Boots for Women This Fall and WinterThe role of technology in recoveryCurrent recovery programs gradually integrate technology to improve both access to treatment and treatment results. Digital sources include:Virtual support meetingsRecovery tracking appsTeleHealth Counseling sessionsOnline educational sourcesDigital Wellness ToolsCrisis intervention HotlinesCommunity Connect platformsThe use of technological solutions helps women to balance their recovery process in addition to their professional and family obligations. The recovery journey benefits from digital tools that offer essential support between therapy sessions and during difficult times.Create a sustainable recovery lifestyleThe key to sustainable recovery success lies in setting up a lifestyle that supports constant austerity. Important aspects include:Developing healthy daily routinesCreate work-private balanceBuild up supporting relationshipsDo meaningful activitiesMaintaining physical healthPractice self -careManage stress effectivelyWomen benefit from treatment programs that introduce step by step lifestyle elements and at the same time offer essential support to support them over time.The path to lasting recoveryWomen can conquer their addiction and determine satisfactory sober lives through the right support, even if the recovery process seems intimidating. The treatment centers in Massachusetts continue to update their approaches to improve recovery options for women and to make these services more accessible and effective.These programs enable women to overcome addiction and achieve recovery by taking on their unique challenges and offering extensive support services.OvercomeTraumaRebuilding relationshipsDeveloping new skillsCreate support networksAchieve personal goalsLong -term re -retail recoveryAsking for help shows strength instead of weakness. Massachusetts offers extensive addiction repair services that offer women essential support during their way to permanent recovery.You can successfully continue with help, because you don’t have to travel this path yourself. Connect today to discover which sources and support systems are at your disposal for your recovery trip.

Amorim outfoxed Arteta with tactical display… but lost to Erik ten Hag twice
Sports 2026-01-03 08:10:24

Amorim outfoxed Arteta with tactical display… but lost to Erik ten Hag twice

MANCHESTER UNITED managerial target Ruben Amorim already has experience of getting the better of some of the Premier League's top managers.The Sporting Lisbon boss appears to be in pole position to replace Erik ten Hag in the Old Trafford hot-seat, after the Dutchman was sacked on Monday. MANCHESTER UNITED managerial target Ruben Amorim already has experience of getting the better of some of the Premier League's top managers. The Sporting Lisbon boss appears to be in pole position to replace Erik ten Hag in the Old Trafford hot-seat, after the Dutchman was sacked on Monday. Amorim may have never managed in the Premier League, but his tactics have already come up trumps against some of the division's best managers. Most notably, his Sporting side saw off Mikel Arteta's Arsenal in the Europa League last 16 in 2023. Sporting knocked the Gunners out of Europe with some intelligent tactics that pushed Arteta's side to the limit and ultimately knocked them out on penalties. Amorim's side managed a draw in both fixtures, a 2-2 game at home and a 1-1 effort at the Emirates. And although they didn't win in regulation time, it was Amorim's tactics that impressed the most. Sporting played with a back three when in possession to throw numbers forward and allow Marcus Edwards time to shine. Before dropping into a back five when the Gunners attacked, stunting the efforts of Arsenal's forward line by keeping their shape and stepping up towards the half-way line. And there was a familiar face pulling the strings and orchestrating the rotations in the middle of the park for Sporting in the second leg too - Man Utd's summer arrival Manuel Ugarte. Ugarte, alongside Pedro Goncalves, continuously rotated in and out of position to drag Arsenal's players out of place and create pockets to play into. However, Ugarte was sent off for two yellow card offences later in the game. But it's not just Arteta that Amorim has experience against with the 39-year-old taking on a number of other Premier League bosses. The gaffer found himself facing Oliver Glasner's Eintracht Frankfurt side in the Champions League back in 2022 - winning one game 3-0 and losing the other 2-1. Glasner is now the Crystal Palace manager. While Amorim's tactics against Pep Guardiola have also had mixed returns, earning a 0-0 draw with Man City in the Champions League round of 16 and also losing 5-0 in the other leg. Perhaps the most concerning thing about Amorim's record against Premier League managers is his efforts when he took on Erik ten Hag. Going head to head with Ten Hag's Ajax side in 2021 saw Amorim's Sporting concedeNINE GOALSin two games. The Portuguese side lost 5-1 and 4-2 to Ajax, against a team that featured now-Man Utd stars such as Antony, Lisandro Martinez and Noussair Mazraoui. Amorim has also faced Tottenham during his time as Sporting manager, winning 2-0 and drawing 1-1 to a Spurs side managed by Antonio Conte.

Amorim WILL be Man Utd manager as announce £8.3m release clause is being paid
Sports 2026-01-05 21:17:17

Amorim WILL be Man Utd manager as announce £8.3m release clause is being paid

Ruben Amorim is on the brink of becoming Manchester United's new manager after Sporting Lisbon released a statement confirming the English club's interest in hiring their boss.The Premier League giants began talks with Sporting Lisbon over a deal for Amorim after sacking Erik ten Hag on Monday afternoon following United's 2-1 defeat to West Ham on Sunday. Ruben Amorim is on the brink of becoming Manchester United's new manager after Sporting Lisbon released a statement confirming the English club's interest in hiring their boss. The Premier League giants began talks with Sporting Lisbon over a deal for Amorim after sacking Erik ten Hag on Monday afternoon following United's 2-1 defeat to West Ham on Sunday. The Board of Directors for Sporting Lisbon reportedly highlighted the terms and conditions set out in employment contract between Amorim and the club - specifically the £8.3million release clause. According to Sport Lisbon's statement, Manchester United registered an interested in paying the value of the aforementioned clause to secure Amorim's services sooner rather than later. Ten Hag guided United to their worst ever start to a Premier League season, and with three draws from winning positions in the Europa League from three games, results seemingly were not picking up. Amorim, meanwhile, has picked up plaudits in recent years for his exceptional work in the Portuguese capital, ended Sporting Club's 19-year wait for a league title in 2020-21, before winning the top-flight again last year. Sporting Lisbon are set to host Nacional in the Portuguese League Cup later tonight, with many speculating as to whether Amorim will be involved following the statement released by the club this afternoon. Amorim had previously been asked about links to United in the wake of Ten Hag's sacking, stating: 'I was already expecting this question and obviously I'm not going to talk about the future, because otherwise I'll always have to comment. I'm very proud to be Sporting coach, that's all.' This evening's fixture could be Amorim's final match in charge, with Portuguese newspaper Record reporting the 39-year-old could then travel to England on Wednesday.

How THC creates creativity and improves artistic expression
Health 2026-01-09 15:19:51

How THC creates creativity and improves artistic expression

ContentsImproves sensory perception for compelling creativityEncourages mindfulness and the current moment focusEncourages unconventional thinking and new ideasPromotes emotional expression through creative workPromotes power status for seamless creativityOpens paths to abstract and experimental stylesThe unlocking of creativity can often feel like a challenge, but what if there was a natural way to break through mental barriers and tap your artistic potential? Enter THC, a powerful connection in cannabis, not only known for its relaxing effects, but also for his ability to ignite creativity.Whether you are a painter, writer, musician or another type of artist, THC can improve the creative process in surprising ways. From stimulating inspiration to shifting perspectives, this powerful connection has become a secret tool for many who want to raise their art.In this message we will explore six ways in which the creativity of the artistic expression is called up, improving the artistic expression, so that you can discover how this natural enhancer can transform your creative journey. Let’s start.Improves sensory perception for compelling creativityTHC has the remarkable ability to increase sensory experiences that can deeply influence the artistic expression. When it is consumed, it can improve the way in which colors, sounds, textures and even tastes are observed. This increased sensory consciousness can give a new perspective to creative efforts, so that artists can deal with their work in new, exciting ways. Whether you paint or compose music, THC can help you see subtle details that were previously unnoticed or hear nuances that add depth to your creations..u542f5ff11e4a2a907399aadf554e968d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u542f5ff11e4a2a907399aadf554e968d:active, .u542f5ff11e4a2a907399aadf554e968d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u542f5ff11e4a2a907399aadf554e968d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u542f5ff11e4a2a907399aadf554e968d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u542f5ff11e4a2a907399aadf554e968d .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u542f5ff11e4a2a907399aadf554e968d:hover .postTitle { text-decoration: underline!important; } See alsoHow additional insurance and affordable housing can fill the gapsThe improved sensory input can feed inspiration and artists help completely immerse themselves in their profession and explore new dimensions of creativity. For example the Bomb Pop Weed Strain is a manufactured hybrid that offers a balanced high to those who want to dive deeper into their senses, making it ideal for artists. The ability of the tribe to relax the mind while keeping it focused, enables artists to explore their medium with more clarity and an increased awareness of every detail.Encourages mindfulness and the current moment focusCreativity often thrives in the present moment and THC has the ability to help artists get into a state of mindfulness. By relaxing the mind and the body, THC encourages you to concentrate on the task that is obvious without distraction. This improved focus can lead to deeper insights and creativity, making it possible to make smoother and more productive sessions.Artists can notice that they are more tailored to their thoughts and surroundings and enter into deeper layers of inspiration. The mental clarity achieved by THC promotes an atmosphere of mindfulnessenable individuals to channel their energy in creating works that are both expressive and deliberate.Encourages unconventional thinking and new ideasTHC is known for unlocking different thinking, often encouraging unconventional ideas. This can be a game changer for artists who want to push the boundaries of their work. Whether it is more abstract concepts or a new perspective on well -known themes, THC can help you get rid of creative traces and think outside the frames..u7ad78f9de4ed629d083a945b2169b10f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u7ad78f9de4ed629d083a945b2169b10f:active, .u7ad78f9de4ed629d083a945b2169b10f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u7ad78f9de4ed629d083a945b2169b10f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u7ad78f9de4ed629d083a945b2169b10f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u7ad78f9de4ed629d083a945b2169b10f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u7ad78f9de4ed629d083a945b2169b10f:hover .postTitle { text-decoration: underline!important; } See alsoVacheron Constantin Creates the Most Complicated WristwatchBy disturbing routine thinking patterns, THC opens the door to unknown ideas and new approaches to creative expression. For many artists, this shift in mindset is the spark that ignites innovation and originality, so that their work is brought to places where they may not have dared otherwise.Promotes emotional expression through creative workArt is deeply connected to emotion and THC can help artists gain access to and to express their feelings in more authentic and powerful ways. With the influence of THC, emotions can be strengthened, making it easier to tap deeper layers of the psyche. For visual artists, this can translate into daring color choices, unique compositions or the possibility of pouring raw emotion into every blow.Writers can see their words flow with a greater intensity, while musicians can experience their melodies with increased Emotional resonance. This emotional brightness can give creative work an extra low depth, resulting in pieces that are rich in feeling and meaning.Promotes power status for seamless creativityOne of the most sought after states in the creative world is “flow”-the seamless, very productive state of mind where everything feels effortless. Thc has been shown that it helps individuals to enter this state, where concentration and creativity seem to coordinate perfectly. In this power status, distractions fade and the work becomes its own momentum. Artists can create freely and intuitively, with ideas that flow naturally and without hesitation.Whether it is about painting a canvas or writing a song, the ability of THC to facilitate this deep concentration, allows artists to remain fully immersed in their work, to ensure that they are as long as necessary Stay in the zone to bring their vision to life..ub4fbd6497a2ecb254e5ccf89a8c54c63 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ub4fbd6497a2ecb254e5ccf89a8c54c63:active, .ub4fbd6497a2ecb254e5ccf89a8c54c63:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ub4fbd6497a2ecb254e5ccf89a8c54c63 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ub4fbd6497a2ecb254e5ccf89a8c54c63 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ub4fbd6497a2ecb254e5ccf89a8c54c63 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ub4fbd6497a2ecb254e5ccf89a8c54c63:hover .postTitle { text-decoration: underline!important; } See alsoHow a balanced lifestyle improves sleep qualityOpens paths to abstract and experimental stylesFor artists who want to explore new styles or take creative risks, THC can open a world of possibilities. It can encourage a more experimental mindset, so that artists can step outside their comfort zones and embrace abstract, unconventional shapes. THC has a unique way to shift the way we view and interpret the world, which leads to an increased interest in non-traditional artistic techniques.Whether you work in visual arts, sculpture or another form of expression, THC can help you explore new ways that you may have rejected otherwise. The shift in perspective it offers encourages artists to embrace and experiment the unknown without fear of judgment.THC offers a unique and powerful way to improve creativity and to offer artists new ways for inspiration, expression and innovation. From improving sensory perception to promoting emotional depth, it opens doors for creativity that would otherwise have remained closed. By promoting mindfulness, encouraging unconventional thinking and facilitating power status, THC can transform the creative process, artists help explore new styles and push boundaries. Whether you are a painter, musician or writer, THC is perhaps the key to unlock your full creative potential, which leads you to an exciting journey of artistic discovery.

Amorim is ‘Mourinho 2.0’ who turned Sporting into champs… he can revive Man Utd
Sports 2025-12-22 21:09:08

Amorim is ‘Mourinho 2.0’ who turned Sporting into champs… he can revive Man Utd

WHEN a 35-year-old Ruben Amorim took charge of Sporting Lisbon in March 2020, one club official compared their situation to the “walking dead”.Sporting ended that 2019/20 campaign in fourth, 22 points off champions Porto with Amorim their third manager in seven months. WHEN a 35-year-old Ruben Amorim took charge of Sporting Lisbon in March 2020, one club official compared their situation to the “walking dead”. Sporting ended that 2019/20 campaign in fourth, 22 points off champions Porto with Amorim their third manager in seven months. Optimism and hope was at an all-time low. But the Amorim-effect was almost instantaneous, guiding the Portuguese sleeping giants to their first league title for 19 years in 2020/21, losing just once and only conceding 20 goals. Since then, Sporting have lifted another league title in 2023/24 – as well as two League Cups – and currently sit top with nine wins from nine this term. He may be young, but Amorim already has an eye for rebuilding and revitalising fallen super powers with his infectious charisma and intense tactical philosophy that hardly ever wavers. The “walking dead” at Manchester United must be praying for a similar sort of revival. And they may just get it from one of the most talented young coaches on the Continent – a man accustomed to breathing new life back into crumbling institutions such as Old Trafford. Amorim has spent the last decade dreaming of one day gracing England’s Premier League, such was his admiration for an ex-United boss in Jose Mourinho growing up. After his early retirement as a player at the age of 32, Amorim would spend his time at the Faculty of Human Kinetics at University of Lisbon, listening to lectures held by Jose himself. Often nicknamed ‘Mourinho 2.0’, Amorim spent a week with his coaching idol in an internship capacity at United’s Carrington training base in 2018, going on to cite him as his “reference point”. Amorim knew the great man more than most thanks to his brother-in-law Antero Henrique – a former Porto communications director who worked with Jose during his ‘Special One’ years at the Estadio do Dragao where he lifted the Champions League in 2004. Ironically, Henrique was also targeted by United as a sporting director before switching their attention to Dan Ashworth – a man who normally gets it right when it comes to recruiting managers. But Ashworth should not be expecting a mini-Mourinho, as Amorim said himself: “Mourinho is one of a kind. There won't be another Mourinho. Mourinho is unique.” And yet, you cannot help but compare the two. Amorim is described as a “master trash-talker” in press conferences – a genius in getting his message across, creating a narrative while deflecting pressure away from his players. As one source told SunSport: “There is no one like him.” There is an admirable arrogance within him, backed up by his early success, including becoming one of the most expensive managers in history after his £8.65m move from Braga to Sporting. This summer, his agents were reluctant to ship out his CV to top clubs, insisting: “You don’t need one when you’ve won two titles.” He then demands the final say over footballing decisions when taking charge at a club. After retiring, he was offered a role with Benfica's B team – having made 150 appearances for the club over seven years – but opted for Braga instead, where he would have more control. On his first day at Sporting, he showed the dressing room his preferred formation of 3-4-3 and told them they needed to fit into that system or risk not playing. Vasco Seabra, former head coach of Sporting’s rivals Estoril, said: “Amorim is always trying to improve his players. “He works with young talent but also with experienced players as well and what they all have in common is that they fight. They are really intense. “The players connect with him easily.” When in talks with both West Ham and Liverpool this calendar year, he requested a full revamp of the coaching staff, wanting to bring his huge eight-man team with him. His stubbornness over his back three has sometimes cost him jobs, with Anfield bosses unwilling to rip up their entire defensive unit to accommodate him. Amorim is not afraid to take on big egos and bad eggs, especially during his infamously tough training sessions at Sporting. During one session in April 2022, he sent ex-Leicester striker Islam Slimani home early for a lack of involvement and commitment. Three months later, Slimani was sold. But there is also a warm side to him, a humble side that Jose severely lacks. After flying to London to speak to West Ham back in April, he subsequently apologised to the fans. And unsurprisingly, he was welcomed back with open, loving arms, such is the relationship and trust he builds with his players. Vitor Campelos, head coach of Portuguese top-division side AVS, said: “He is the kind of coach who likes to bet on young players.” There is no shock then that Manchester City had been teeing up Amorim to be Pep Guardiola’s natural replacement after Sporting’s director of football, Hugo Viana, was named as the successor to Txiki Begiristain at the Etihad. And for all the mismanagement in the Old Trafford hot seats over the years, this would be a real get – finally a slap in the face that City have no answer for.

How you can stimulate the profession of your house with a budget of your house
Health 2025-12-21 06:44:21

How you can stimulate the profession of your house with a budget of your house

ContentsUpgrade your access pointsUse smart landscape architectureInterior designThere are several reasons why you might be looking for improving your attraction. However, the most common is if you want to sell in the near future. Potential buyers will make a very fast judgment about the appearance of your house within the first 7-8 seconds, which means that there is a lot on the exterior presentation.If you want to sell or just make your house look like, there are ways to keep the costs low, but to maximize the impact. Read on for tips on how to do that.Upgrade your access pointsWhile you then walk to your house in the driveway, take the time to take a critical eye on what you can see. First look at the driveway itself. Maybe you want to take a weekend and hire a pressure washer to give it a thorough clean. If you have flagstones or pavements, the difference can be incredible.Then view the appearance of your front door and the garage door. Sometimes a good wash with soap and water or a new paint layer can be sufficient to increase their appearance. However, there is also the option to replace them. Fitting a new roller garage door looks incredibly smart As well as being practical for space in your garage.Use smart landscape architectureFor houses with front gardens it is sometimes enough to keep them tidy and tidy. Make sure the lawn is mowed and cared for without brown spots. Take the time to clean up fallen leaves and other garden waste regularly. This is not only good for your garden, but it will help your house look presentable..uac2809810a3e2054f981e643499bd3a8 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uac2809810a3e2054f981e643499bd3a8:active, .uac2809810a3e2054f981e643499bd3a8:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uac2809810a3e2054f981e643499bd3a8 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uac2809810a3e2054f981e643499bd3a8 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uac2809810a3e2054f981e643499bd3a8 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uac2809810a3e2054f981e643499bd3a8:hover .postTitle { text-decoration: underline!important; } See alsoWhite House Correspondents’ Dinner 2024: See All the FashionsIf you are one of the lucky people born with a green thumb, why not use that skill and Plant some beautiful flowers and shrubs? Having a good looking garden is a good indication of whatever the inside of your house will be like.Interior designAlthough CURB Appeal is usually about how your house appears from the road, you can see a few glimpsres inside through your windows, so that your interior design matters.Sometimes simple changes have the biggest impact. For example, a new paint color in the living room can change the entire atmosphere of the room. Living rooms are usually fun, family rooms so choose colors that display that Such as warm red, oranges and yellow.You can change things by simply adding some artworks or different lighting options. Having neutral illustrations that is a supplement to your interior taste creates a coherent and summarized feeling. However, think about how the light of the windows will influence this, maybe you may be that sparkle on a glass frame is rather annoying!

10 fun activities to help young people strengthen their spirituality
Health 2026-01-10 01:35:15

10 fun activities to help young people strengthen their spirituality

Contents1. Mindfulness and meditation2. Have a Tarot -Less session3. Enjoy retreats and walks in nature4. Practice gratitude5. Participate in group discussions6. Be randomly friendly!7. Volunteer8. Try art and other creative expressions9. Tell stories10. Do yogaThe bad news is that we live in a world of distractions, so there is no time to think about spirituality and things like that, especially for young people. The good thing is, however, that there are a number of proven ways to help young individuals develop their spirituality and (as a result!) To offer a strong purpose, inner peace and resilience. Keep reading to view the top ten of them.1. Mindfulness and meditationExcellent combination! Teaching young people mindfulness techniques can help them cut stress and stay present. In other words, even the simplest meditation practices, breathing techniques and visualizations can ultimately become a solid foundation for a large emotional balance and better self -consciousness. To make meditation more attractive and more fun for boys and girls, it is recommended to use YouTube videos or online apps.2. Have a Tarot -Less sessionIf you are looking for fun ways to explore themselves and grow spiritually, the use of tarot cards can be the answer. Young people can use tarot cards as a unique way to think about and get a better idea of ​​their inner self, including emotions, thoughts, ideas, as well as all other aspects of their personal journey. Together with experts they can do Tarot -Read card In all possible ways, from Daily Pull to having a kind of Tarot -Laying evening with friends in pajamas and snacks. These types of activities will not only add some pleasure to the activities of the youth, but it will also help to get perspective on this or that aspect of life..u6f3fd8ded69146e71402b535ca63e214 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u6f3fd8ded69146e71402b535ca63e214:active, .u6f3fd8ded69146e71402b535ca63e214:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u6f3fd8ded69146e71402b535ca63e214 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u6f3fd8ded69146e71402b535ca63e214 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u6f3fd8ded69146e71402b535ca63e214 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u6f3fd8ded69146e71402b535ca63e214:hover .postTitle { text-decoration: underline!important; } See alsoWhat are the best sensory suppliers of playgrounds to feed young spirits and bodies?3. Enjoy retreats and walks in natureThe best thing about Mother Nature is that it is a free instrument that can be used to promote introspection and promote inner peace. It can be all that boys and girls really enjoy, from organizing spiritual retreats and walking trips to peaceful nature walks that all, in combination, let young people have a great time outside the screen. In addition, they have more time to communicate Tête à Tête with each other, while getting the most out of the serenity of the outside environment. Finally, it is an excellent habit for those who want to tighten physical health.4. Practice gratitudeIt is easy to build a positive mindset (a must-have in today’s world!) By practicing gratitude. For example, boys and girls can lay down the list of top 5 things that they are grateful for at the end of every day. Or, as an alternative, one can get a thank you. That is where you add all those little notes with the words of appreciation. Rather than you know, this fun practice of your heart will make a grateful.5. Participate in group discussionsYoung people like to communicate non-stop, which means that group discussions rock when it comes to sharing their spiritual experiences and beliefs. In a safe environment, young people will certainly be more open to each other and crucial issues, such as how challenges can be overcome, what their personal values ​​are and how they can find meaning in difficult times.6. Be randomly friendly!It is important to encourage young people to do random acts of kindness. You can literally do everything to bring more happiness into the lives of others. Start by leaving friendly notes for people, paying for the coffee of an old lady at Starbucks and just listen to the problems of others if they only need an ear. The point here is that it is not necessary to save the world – only a small gesture can become a source of positivity for those who have lost confidence in humanity..u438f4be94ebe5dc2c14b5f6a604c1d3d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u438f4be94ebe5dc2c14b5f6a604c1d3d:active, .u438f4be94ebe5dc2c14b5f6a604c1d3d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u438f4be94ebe5dc2c14b5f6a604c1d3d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u438f4be94ebe5dc2c14b5f6a604c1d3d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u438f4be94ebe5dc2c14b5f6a604c1d3d .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u438f4be94ebe5dc2c14b5f6a604c1d3d:hover .postTitle { text-decoration: underline!important; } See alsoHow To Learn Italian: A Comprehensive Guide7. VolunteerFrom the previous section we now know that helping others is a powerful way to strengthen the spirituality of youth. If possible, view the local food banks, hiding places or clean -up events organized by the representatives of your community. Take part in helping those who get there. These simple acts of friendliness cultivate empathy and inform boys and girls about the idea that spirituality is also about serving other people.8. Try art and other creative expressionsIt can be anything, from poetry and music to painting and dancing-all activities with which young boys and girls can explore and stimulate their spirituality in non-conventional ways. Unnecessary to say that making works of art (literally everything!) Looks like meditation. In the process, people have the chance to make contact with their inner self and to express their deepest emotions without using words.9. Tell storiesOne of the popular ways to get priceless life lessons and insights is to read inspiring and spiritual books. For example, people can start a book club to share reading experiences, discuss the latest books and bestsellers of all time, to discuss religious tests to increase their understanding of the concept of spirituality and have thoughtful discussions that leave a perfect aftertaste.10. Do yogaDance-based mindfulness exercises, or Tai Chi All this together help young people to coordinate all elements, such as their souls, body and mind. As a result, it becomes easier to make contact with inner peace. At the same time, the practices also help to improve physical health and meet like -minded people who happen to be in the same way as you..u0043a7a559f6d6f78624d3ae8ce832cf { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u0043a7a559f6d6f78624d3ae8ce832cf:active, .u0043a7a559f6d6f78624d3ae8ce832cf:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u0043a7a559f6d6f78624d3ae8ce832cf { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u0043a7a559f6d6f78624d3ae8ce832cf .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u0043a7a559f6d6f78624d3ae8ce832cf .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u0043a7a559f6d6f78624d3ae8ce832cf:hover .postTitle { text-decoration: underline!important; } See also4 mind-body practices to stimulate resilience during cancer treatmentSo what is spirituality?Whether you are a young person or someone in heart and soul, spirituality is at least a personal journey. And it is crucial to offer boys and girls a number of options to not only learn more about it, but also to cherish. These activities will not only help to cultivate inner peace and to raise self -discovery to the next level, but they will also help build a more solid bond with the world in which we live.All practices that we have mentioned above are simple; However, they are effective when it comes to developing a strong spiritual basis that supports young people throughout their lives.

'It's up to them' - Guardiola understands Madrid's Ballon d'Or boycott
Sports 2026-01-04 05:31:54

'It's up to them' - Guardiola understands Madrid's Ballon d'Or boycott

Pep Guardiola understands Real Madrid's decision to boycott Monday's Ballon d'Or ceremony, insisting "it's up to them".Rodri scooped the top award in Paris after helping Manchester City win an unprecedented fourth successive Premier League title, while he was part of Spain's victorious squad at Euro 2024. Pep Guardiola understands Real Madrid's decision to boycott Monday's Ballon d'Or ceremony, insisting "it's up to them". Rodri scooped the top award in Paris after helping Manchester City win an unprecedented fourth successive Premier League title, while he was part of Spain's victorious squad at Euro 2024. The central midfielder's importance is highlighted by the fact City have not tasted defeat in any of the 34 Premier League games in which he has featured this year. Rodri pipped Vinicius Junior to the accolade, with the winger and his club sparking controversy by not attending after finding out he would not be winning. The Madrid winger scored 24 goals and provided 11 assists last season, as Los Blancos won a LaLiga and Champions League double. Guardiola empathises with Vinicius, who he feels was also deserving of the award, but highlighted other notable recent examples where the result could have gone either way. "It's up to them," the Citizens boss said. "If they want to congratulate, that's fine. If not, that's fine as well. At Manchester City, we are not here to judge other clubs on what they decide they have to do. "Last year, for example, Erling [Haaland] won the Treble, scored more than 50 goals. I said to him: 'just being there, you have to be so happy'. I said the same to Rodri. If you are in the first two, three or four, it's exceptional. You have to be so satisfied. "Last season, should Erling have won? Yes. Should Messi have won? Yes. It's not important [who wins]. It represents that you and your team-mates have done something really nice that season. "Should it be Vinicius? Maybe. It's [voted by] journalists, you know, not an elite group of people who decide. It's [people] all around the world that vote, not just one country. There are different opinions, and that's what makes football nice, no? "Of course, if [Vinicius] won, it would have been more than deserved. The same with Erling [Haaland] last year. It will be really open. There will be more chance to win." Guardiola also paid tribute to Rodri, who became only the third different Spanish winner of the Ballon d'Or after Alfredo di Stefano (1957 and 1959) and Luis Suarez (1960). The midfielder was also the first Spaniard to make the top three since Andres Iniesta finished third in 2012, with the City head coach acknowledging the dominance of Lionel Messi and Cristiano Ronaldo. "Rodri made an incredible speech," Guardiola added. "He spoke about family, Man City and Spanish football. "In the last decade, Spanish football has made such a difference - they've won a World Cup, a Euros - and Spain were never able to win this award before. Their importance in the last 10 or 15 years has been so important. "I remember once we nominated three players from La Masia. Xavi and Iniesta couldn't win it because Messi's a monster and nobody could beat him - just Cristiano [Ronaldo]. He's a monster and the father of the monster is Messi."

Current ARM mortgage rates report for Nov. 5, 2025
Personal Finance 2025-12-25 09:38:58

Current ARM mortgage rates report for Nov. 5, 2025

If you’re the type of homebuyer who is willing to deal with a little uncertainty in exchange for the possibility of getting a low rate, an adjustable-rate mortgage might be right for you. These can be particularly good options for homebuyers planning to rent out or flip an investment property, or who know they intend to move before the loan’s introductory fixed-rate period ends.Read on and we’ll break down how ARMs work, consider when they might be worth considering over the far more common fixed-rate home loan, and look at ARM rates from a few top lenders.You can see the previous business day’s ARM rates report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.ARM mortgage rates at top lendersFortune reviewed the most recent data available as of Nov. 4. These are sample rates provided by the institutions. Each one is based off specific assumptions about a hypothetical borrower’s credit profile and location. Estimates may include an assumption of mortgage discount points. If you choose to apply, know that the rate you receive may vary from the sample rates shown here.Bank of America 7/6 ARMU.S. Bank 7/6 ARMZillow Home Loans 7/6 ARMInterest Rate5.750%6.000%6.125%APR6.564%6.642%6.732%Interest RateBank of America 7/6 ARM5.750%U.S. Bank 7/6 ARM6.000%Zillow Home Loans 7/6 ARM6.125%APRBank of America 7/6 ARM6.564%U.S. Bank 7/6 ARM6.642%Zillow Home Loans 7/6 ARM6.732%A 7/6 ARM is one with a fixed rate for seven years, then adjustment periods every six months.Fixed-rate vs. adjustable-rate mortgagesFixed-rate home loans account for about 92% of all mortgages in U.S. households. Unlike ARMs—where interest rates can increase or decrease after an initial fixed period—a fixed-rate mortgage guarantees the same rate for the entire loan term. This consistency gives them an obvious appeal.However, there are situations where ARMs might be worth considering. Roughly 8% of borrowers choose these loans because they see unique advantages.When you might consider an adjustable-rate mortgageThree types of buyers often find ARMs beneficial:Starter home buyers:If you plan to move within a few years, an ARM may let you capitalize on a low initial rate without having to worry about future adjustments, as you intend to sell the home before the fixed period ends.Investors:Real estate investors who intend to flip a house or rent it out may use ARMs to minimize upfront costs, then sell the property or adjust the rent amount when rates change.Buyers facing high-interest markets:During periods of elevated interest rates, ARMs might offer lower upfront costs and may even provide relief later if market conditions improve.Pro tipSaving up for a down payment? Make sure you have a high-yield savings account.How adjustable-rate mortgages workARMs typically feature a low fixed interest rate for a predetermined period—such as three, five, seven, or 10 years—followed by periods of adjustment. Factors affecting ARM rates during the adjustments include:Benchmark indices:ARM rates are often tied to benchmarks like the SOFR. The U.S. Treasury publishes an updated SOFR each day, reflecting the overnight costs faced by banks for borrowing cash. Margins:Lenders add margins (fixed percentages) to benchmarks when calculating your ARM’s final rate. These can often range from 2% to 3.5%.Caps:Rate caps limit increases during specific intervals or throughout the loan term (e.g., initial adjustment caps, subsequent caps).In most instances ARMs will be 30-year loans. Popular ARM structures include 5/1 and 10/6—meaning a fixed rate for five years and then annual adjustments, and a fixed rate for 10 years and adjustment periods every six months, respectively. There are also 3/1 ARMs, 7/1 ARMs and 10/1 ARMs. Learn more:Why the Secured Overnight Financing Rate might matter for your mortgage.Refinancing from an ARM to a fixed-rate mortgageIf your plans change, you can likely decide to refinance into a fixed-rate mortgage. For instance, say you decide to stay in your home longer than you initially thought you would.You’re not alone if that’s the situation you find yourself in, as many Millennial and Gen Z homeowners can’t afford to upgrade and are getting by with their starter homes.Much like refinancing from one fixed-rate loan to another (which is often done to obtain a better rate or to tap equity) refinancing from an ARM to a fixed-rate loan involves shopping around with lenders, providing documentation to show you meet their requirements, and paying off your existing mortgage.Pros and cons of adjustable-rate mortgagesARMs come with positives and negatives you should weigh before applying for this type of mortgage. And, working with a trusted loan officer can help you determine if this is really the right loan type for you. Here are some basics to consider. N/AProsChance for a lower rate at first.During the fixed introductory period, you may find an ARM offers you a lower rate than you could get on a fixed-rate mortgage.Potential for easier qualification.Some borrowers may find they’re more likely to qualify for an adjustable-rate mortgage than for a fixed-rate loan. Possible savings down the road.This is not guaranteed, but if market rates decrease during adjustment periods, your monthly payment might go down accordingly.ConsPossibility for payments to rise.Remember, adjustment periods are dependent on what’s happening with the market. Just like there’s a chance for your rate and thus your monthly payment to go down, the converse could happen.Hard to comparison shop.Complex terms can make comparison shopping for a good rate on an ARM more difficult than with common fixed-rate mortgage types. Less predictability.Once you take out a fixed-rate mortgage, you’re locked into that rate as long as you have the loan. This can give you a little more stability in terms of monthly payment (though you may still face changes to things like homeowners insurance or your HOA dues). With ARMs, you need a certain level of risk tolerance.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

The best high-yield savings accounts offer up to 5.00% APY on Nov. 7, 2025
Personal Finance 2025-12-24 19:42:28

The best high-yield savings accounts offer up to 5.00% APY on Nov. 7, 2025

High-yield savings accounts continue to offer strong rates of return for those seeking to maximize their savings potential. With many accounts currently featuring annual percentage yields (APYs) surpassing 4.00%, and a select few still hovering near the 5.00% mark, it’s a great time to make sure you have the best account for your financial needs.The current economic environment is characterized by rising inflation rates and an ambiguous U.S. economic outlook. For those reasons, the Federal Reserve halted its rate-cutting measures in the first part of 2025. But the central bank finally delivered a much anticipated rate cut at its September meeting, and a second in October.Savings account APYs remained relatively stable during the first part of the year—but, after the recent Fed rate cuts and the potential for another when the Federal Open Market Committee (FOMC) meets in December, financial institutions might decrease the APYs they offer accordingly.Recognizing the importance of informed financial decision-making,Fortunehas partnered with Curinos, a team of esteemed financial industry consultants. This collaboration aims to provide readers with a precise and up-to-date snapshot of the most competitive savings account rates available in the market, catering to those looking to enhance their savings strategy or embark on new financial endeavors.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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border-left: 1px solid #D0E0EE; border-right: 1px solid #D0E0EE; } #blmYUZUOJEMPLzCD .prop-name { text-align: left; font: normal normal bold 12px / 18px Roboto; letter-spacing: 0px; color: #0A3C5F; text-transform: uppercase; margin-bottom: 5px; } #blmYUZUOJEMPLzCD .apy-label { font: normal normal 900 24px / 28px Roboto; } #blmYUZUOJEMPLzCD .curDate { font: normal normal normal 12px / 18px Roboto; margin-top: 2px; display: block; } #blmYUZUOJEMPLzCD .prop-value { text-align: left; font: normal normal 900 24px / 28px Roboto; letter-spacing: 0.96px; color: #08283B; opacity: 1; } #blmYUZUOJEMPLzCD .fdic-insured .text { font-size: 12px; color: #08283B; font-weight: 600; letter-spacing: 0.48px; } #blmYUZUOJEMPLzCD .fdic-insured .icon { height: 20px; width: 16px; display: inline-block; background-repeat: no-repeat; background-size: 100%; vertical-align: middle; margin-right: 7px; } #blmYUZUOJEMPLzCD .disclosure-contnr .text { color: #1C96F0; font-size: 12px; text-decoration: underline; font-weight: 600; cursor: pointer; letter-spacing: 0.48px; } #blmYUZUOJEMPLzCD .additional-content { margin-top: 0px !important; } #blmYUZUOJEMPLzCD .additional-content ul li { margin-bottom: 0; } #blmYUZUOJEMPLzCD .disclosure-contnr .listing-content-wrapper { position: absolute; background: #fff; z-index: 1; padding: 20px; text-align: left; top: 0; left: 0; right: 123px; margin: auto; width: 440px; border: 1px solid #ececec; background: #eceef1; left: -133px; } #blmYUZUOJEMPLzCD .listing-content-wrapper .disclosure-content { max-height: 400px; overflow-y: auto; color: #08283B; margin-top: 15px; padding-right: 10px; } #blmYUZUOJEMPLzCD .see-more-text { width: unset !important; background: #E9F5FF 0% 0% no-repeat padding-box; margin-top: 0 !important; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 12px 24px; } #blmYUZUOJEMPLzCD .description-title { text-align: left; font: normal normal bold 12px / 16px Roboto; letter-spacing: 0.48px; color: #0A3C5F; text-transform: uppercase; } #blmYUZUOJEMPLzCD .shArrow { width: 12px; height: 7px; } #blmYUZUOJEMPLzCD span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMxYzk2ZjAiLz4NCjwvc3ZnPg0K"); background-repeat: no-repeat; height: 11px; width: 12px; display: inline-block; vertical-align: text-top; transform: rotate(180deg); } #blmYUZUOJEMPLzCD .disclosure-content ul li { flex: 0 0 47%; list-style: disc; font: normal normal normal 14px/22px Roboto; letter-spacing: 0px; color: #08283B; opacity: 1; } #blmYUZUOJEMPLzCD .disclosure-content ul { flex: 0 0 100%; display: flex; flex-flow: row wrap; margin: 0; padding: 0; padding-left: 14px; justify-content: space-between; list-style-type: disc; line-height: normal; } #blmYUZUOJEMPLzCD #see_more_carrier, #blmYUZUOJEMPLzCD .see_less_carrier { background: #E9F5FF; height: 40px; border-radius: 6px; line-height: 40px; text-align: center; font-size: 16px; color: #1C96F0; font-weight: 600; margin-top: 24px; cursor: pointer; } #blmYUZUOJEMPLzCD .footer-disclaimer-content { font-size: 11px; font-style: italic; margin-top: 16px; } #blmYUZUOJEMPLzCD .apy-label p { margin-top: 0px; margin-bottom: 0px; } #blmYUZUOJEMPLzCD .disclosure-content ul { padding-left: 18px; } @media (min-width : 651px) and (max-width : 1023px) { #blmYUZUOJEMPLzCD { padding: 0 26px; } #blmYUZUOJEMPLzCD .logo-image-wrapper { width: 136px; } #blmYUZUOJEMPLzCD .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #blmYUZUOJEMPLzCD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #blmYUZUOJEMPLzCD .prop-value-container .apy-container { flex: 0 0 44%; } #blmYUZUOJEMPLzCD .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD .prop-value-container .minvalue-container { flex: 0 0 28%; } #blmYUZUOJEMPLzCD .ad-copy-top-section { margin-bottom: 15px; } #blmYUZUOJEMPLzCD .sh-row-product-title { max-width: 136px; } #blmYUZUOJEMPLzCD .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #blmYUZUOJEMPLzCD .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #blmYUZUOJEMPLzCD .logo-image-wrapper { width: 100%; max-width: 292px; } #blmYUZUOJEMPLzCD .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #blmYUZUOJEMPLzCD .ad-copy { margin-left: 0; } #blmYUZUOJEMPLzCD .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #blmYUZUOJEMPLzCD .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #blmYUZUOJEMPLzCD .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #blmYUZUOJEMPLzCD .see-more-text { padding: 16px 15px; } #blmYUZUOJEMPLzCD .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #blmYUZUOJEMPLzCD .top-section-right { margin-left: 0px; } #blmYUZUOJEMPLzCD .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #blmYUZUOJEMPLzCD.sizeone .header-section { padding: 6px 10px; } } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .row-1 { padding-left: 14px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .listing-title, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .shmktpl-button, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .prop-value-container .apy-container, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .prop-value-container .mfee-container, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .prop-value-container .mfee-container #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .prop-value-container .minvalue-container, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .sh-row-product-title, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .disclosure-content ul li, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box750.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box800.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box850.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box900.device-desktop .ad-copy-top-section, #blmYUZUOJEMPLzCD.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #blmYUZUOJEMPLzCD.sh-box650.device-desktop .row-1, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .row-1 , #blmYUZUOJEMPLzCD.sh-box650.device-desktop .row-2, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .row-2 , #blmYUZUOJEMPLzCD.sh-box500.device-desktop .row-1, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .row-1 , #blmYUZUOJEMPLzCD.sh-box500.device-desktop .row-2, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .row-2{ display: unset; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .ad-copy, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .apy-label, #blmYUZUOJEMPLzCD.sh-box650.device-desktop .prop-value, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .prop-value, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .prop-value, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box700.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box550.device-desktop .logo-image-wrapper, #blmYUZUOJEMPLzCD.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #blmYUZUOJEMPLzCD.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#blmYUZUOJEMPLzCD.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#blmYUZUOJEMPLzCD.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#blmYUZUOJEMPLzCD.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #blmYUZUOJEMPLzCD .shmktpl-title, #blmYUZUOJEMPLzCD .sub-heading-container, #blmYUZUOJEMPLzCD .filter-check-options-cntnr, #blmYUZUOJEMPLzCD .listing-header-cntnr { display: none; } #blmYUZUOJEMPLzCD.title .shmktpl-title, #blmYUZUOJEMPLzCD.subHeading .sub-heading-container, #blmYUZUOJEMPLzCD.multiSelectFilter .filter-check-options-cntnr, #blmYUZUOJEMPLzCD.resultsText .listing-header-cntnr { display: flex; } #blmYUZUOJEMPLzCD.sizeone .add-overlay-content { width: 62%; height: auto; } #blmYUZUOJEMPLzCD.sizeone .disclosure-title { padding: 6px 0px; } #blmYUZUOJEMPLzCD.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #blmYUZUOJEMPLzCD .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #blmYUZUOJEMPLzCD.sizeone .title-container { margin-top: 0; } #blmYUZUOJEMPLzCD.sizeone .non_featured_list { margin-top: 0; } #blmYUZUOJEMPLzCD.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #blmYUZUOJEMPLzCD.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #blmYUZUOJEMPLzCD .item { flex: 1 1 calc(50% - 48px); } #blmYUZUOJEMPLzCD .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #blmYUZUOJEMPLzCD .item:nth-of-type(4n+3), #blmYUZUOJEMPLzCD .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #blmYUZUOJEMPLzCD .item:nth-of-type(4n+1), #blmYUZUOJEMPLzCD .item:nth-of-type(4n+1) + * { background-color: #fff; } #blmYUZUOJEMPLzCD .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #blmYUZUOJEMPLzCD .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #blmYUZUOJEMPLzCD .desktop, #blmYUZUOJEMPLzCD .desktop-inline { display: none; } #blmYUZUOJEMPLzCD .mobile { display: block !important; } #blmYUZUOJEMPLzCD { padding: 0 18px; } #blmYUZUOJEMPLzCD .shmktpl-title { font-size: 24px; line-height: 29px; } #blmYUZUOJEMPLzCD .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #blmYUZUOJEMPLzCD .add-overlay-content { width: 80%; height: auto; } #blmYUZUOJEMPLzCD .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #blmYUZUOJEMPLzCD .row-1 { flex-flow: column; padding: 16px; } #blmYUZUOJEMPLzCD .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #blmYUZUOJEMPLzCD .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #blmYUZUOJEMPLzCD .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #blmYUZUOJEMPLzCD .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #blmYUZUOJEMPLzCD .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #blmYUZUOJEMPLzCD .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #blmYUZUOJEMPLzCD .prop-value { margin-top: 0; } #blmYUZUOJEMPLzCD .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #blmYUZUOJEMPLzCD .non_featured_list { margin-top: 18px; } #blmYUZUOJEMPLzCD .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #blmYUZUOJEMPLzCD .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #blmYUZUOJEMPLzCD .item:nth-child(3n), #blmYUZUOJEMPLzCD .desktop-bg { background: none; } #blmYUZUOJEMPLzCD .prod-desc-popup-content { padding: 0; } #blmYUZUOJEMPLzCD .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #blmYUZUOJEMPLzCD .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #blmYUZUOJEMPLzCD .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #blmYUZUOJEMPLzCD .disclosure-content ul { padding-left: 14px; line-height: 28px; } #blmYUZUOJEMPLzCD .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #blmYUZUOJEMPLzCD .additional-features { flex: 0 0 100%; } #blmYUZUOJEMPLzCD .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #blmYUZUOJEMPLzCD.sizeone .listing-header-cntnr { display: none; } #blmYUZUOJEMPLzCD.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #blmYUZUOJEMPLzCD .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #blmYUZUOJEMPLzCD .prod-desc-popup-content { position: fixed; } } #blmYUZUOJEMPLzCD.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #blmYUZUOJEMPLzCD.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #blmYUZUOJEMPLzCD.listingAlignment .logo-image-wrapper img { width: 100%; } #blmYUZUOJEMPLzCD.listingAlignment { padding: 0px; } #blmYUZUOJEMPLzCD.listingAlignment .listing-title { font-size: 14px; } #blmYUZUOJEMPLzCD.listingAlignment .listing-title span { font-size: 14px; } #blmYUZUOJEMPLzCD.listingAlignment .row-1 { padding: 26px 10px; } #blmYUZUOJEMPLzCD.listingAlignment .prop-name { font-size: 10px; } #blmYUZUOJEMPLzCD.listingAlignment .prop-value { font-size: 14px } #blmYUZUOJEMPLzCD.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #blmYUZUOJEMPLzCD.listingAlignment .logo-column.flex-container { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .prop-conatiner { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .ad-copy-column.flex-container { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .cta-column.flex-container { flex: unset; } #blmYUZUOJEMPLzCD.listingAlignment .disclosure-content ul li::before { content: unset; } #blmYUZUOJEMPLzCD.listingAlignment .disclosure-content ul li { list-style: disc; } } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #blmYUZUOJEMPLzCD.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #blmYUZUOJEMPLzCD.ctaAlignment .cta-column.flex-container { display: block !important; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button { font-size: 16px; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #blmYUZUOJEMPLzCD.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #blmYUZUOJEMPLzCD .sh-no-listing-msg { padding: 20px 0px; } #blmYUZUOJEMPLzCD .sh-widget-footer-MBT { display: none; } #blmYUZUOJEMPLzCD.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #blmYUZUOJEMPLzCD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #blmYUZUOJEMPLzCD.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #blmYUZUOJEMPLzCD .sh-widget-footer-QS { display: none; } #blmYUZUOJEMPLzCD.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #blmYUZUOJEMPLzCD.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #blmYUZUOJEMPLzCD.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #blmYUZUOJEMPLzCD .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title, #blmYUZUOJEMPLzCD.customizeColorEffect .prop-name, #blmYUZUOJEMPLzCD.customizeColorEffect .prop-value, #blmYUZUOJEMPLzCD.customizeColorEffect .curDate, #blmYUZUOJEMPLzCD.customizeColorEffect span.current-date, #blmYUZUOJEMPLzCD.customizeColorEffect .disclosure-content ul li, #blmYUZUOJEMPLzCD.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #blmYUZUOJEMPLzCD.customizeColorEffect .add-text, #blmYUZUOJEMPLzCD.customizeColorEffect .see-more-text, #blmYUZUOJEMPLzCD.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #blmYUZUOJEMPLzCD.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #blmYUZUOJEMPLzCD.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #blmYUZUOJEMPLzCD.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #blmYUZUOJEMPLzCD.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #blmYUZUOJEMPLzCD.sizeone.customizeColorEffect .header-section, #blmYUZUOJEMPLzCD.customizeColorEffect .row-2 { background: #E9F0EC; } #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title { display: unset; } #blmYUZUOJEMPLzCD.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title .prod-name:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .listing-title:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .add-text:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .disclosure-contnr .text:hover, #blmYUZUOJEMPLzCD.customizeColorEffect .see-more-text:hover { color: #EB0017; } #blmYUZUOJEMPLzCD.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #blmYUZUOJEMPLzCD.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #blmYUZUOJEMPLzCD.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; 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} #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer175 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer175 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer175 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer175 .listing-title { font-size: 20px; font-weight: 600; } }The best high-yield savings accounts on November 7, 2025: Earn up to 5.00% APYFortunereviews the top rates offered by leading U.S. financial institutions each day to help readers obtain the best possible return on their savings. The best high-yield savings account rate of 5.00% can be found at Varo Money. Other institutions also offering generous rates include Axos Bank and SoFi. Here are the best savings account rates available nationwide:FDIC average national deposit rates: January 2020 to presentIn March 2024, the national average savings rate was 0.47%. This rate quickly began to fall as the Federal Reserve started making cuts to the federal funds rate later in the year. Now, the national average savings rate sits at 0.40%.Savings account news in 2025Federal Reserve interest rate decisions are crucial in shaping savings account rates. When the Fed raises its benchmark rate, financial institutions typically follow suit by increasing the interest they offer on savings accounts to remain competitive. Conversely, when the Fed lowers rates, savings account yields generally decrease.However, this relationship isn’t always direct. Banks may adjust their rates based on a variety of factors, including their own financial objectives, efforts to attract new customers, and broader market conditions.Fed meetings take place roughly eight times annually. The central bank adjusted the federal funds rate to 3.75%-4.00% at its October meeting. There’s one more FOMC meeting on the calendar for 2025, set for December 9-10.High-yield savings accounts might be easier to find than you expectYou may have already taken a look at the accounts available from local banks and been unimpressed with the rates offered, or wondered why there are no specific products labeled “high-yield savings accounts.” That’s largely because the primary difference between high-yield and traditional savings accounts is simply the interest rate offered. Traditional accounts often feature physical branch access but with lower rates, while high-yield accounts are typically offered by online banks and boast higher rates but limited in-person services.High-yield accounts typically provide rates that are 10 to 20 times higher than conventional accounts. For example, while the national average savings rate is 0.40%, many high-yield accounts offer rates above 4.00%.In addition to substantially higher interest rates than traditional savings accounts, consider opening a high-yield savings account if you want to avoid minimum balance requirements or monthly fees. Oftentimes, the two go hand in hand. These accounts are ideal for emergency funds or short-term savings goals and are FDIC-insured, providing the same protection as traditional banks. Just remember that you’ll have to pay taxes on any interest you earn from the account.ADVERTISEMENTAdvertiser DisclosurePrivacy policyPowered byThe best savings account rates from our partners for December 12, 2025Account Type Savings & MMAsSavings & MMAsMMAs OnlySavings OnlyZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...3.40 %December 12, 2025$ 0$ 850Over 1 YearSavings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCapital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.READ BANK REVIEW3.75 %December 12, 2025$ 100$ 938Over 1 YearSavings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOKCIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs. CIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.READ BANK REVIEW4.35 %December 9, 2025$ 0$ 1088Over 1 YearSavings AccountNewtek BankMember FDICQUICK LOOK12345...69Frequently asked questionsHow often do APYs on high-yield savings accounts change?Banks and credit unions can adjust high-yield savings account rates whenever they see fit, so there’s no regular schedule. But in practice, these changes often occur in response to the Federal Reserve raising or lowering the federal funds rate.Should I switch banks if I find a savings account with a higher rate?It could be worth switching, but it depends on your situation. You can have multiple savings accounts—but consider any minimum deposit requirements and whether the higher rate will actually make a significant difference in your earnings before making a move.For example, putting $1,000 in an account where the APY is 4% and leaving it for a year without further deposits might net approximately $39.98 in interest. While if the same account had an APY of 4.5%, you might earn $44.98 in interest over that year.How easy is it to withdraw money from a HYSA?Assuming your bank or credit union has a decent online banking setup, it should be fairly easy to initiate a withdrawal from your computer or mobile device. Just remember that many institutions still maintain the rule of no more than six withdrawals per month even though that’s not a federal rule any longer.Should I choose an online-only bank for my HYSA?Since online banks save on costs like branch maintenance, they can typically pass those savings on to customers through higher rates, making them a strong option for your HYSA.Can I lose money in a high-yield savings account?Assuming your account is at an institution with FDIC or NCUA insurance, your savings are protected up to the insurance max. That said, if your account’s APY doesn’t match or beat inflation, your spending power could still take a hit.Series on daily savings rates created by former Fortune editor Cassie Bottorff. This edition has been updated by Editor, Evergreen Content Glen Luke Flanagan. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Create a sober lifestyle that goes beyond recovery
Health 2025-12-20 23:57:16

Create a sober lifestyle that goes beyond recovery

Contents1. Build a strong support network2. Set healthy routines3. Find new hobbies and interests4. Manage stress and emotional triggers5. Set goals and think the goal6. Avoid risky situations and people7. Four milestones and progressRecovery is not just about stopping drugs or alcohol – it is about building a satisfactory, healthy and sustainable life without substances. Real recovery goes beyond austerity; It is about personal growth, goal and well -being in the long term.If you have completed the treatment or switch from a structured recovery program, you may be wondering: “What is the following?” This guide San Clemente Living sober Will help you navigate through life after treatment and to create a sober lifestyle that supports your recovery in the long term.1. Build a strong support networkYou don’t have to do this alone. A supporting community is the key to maintaining austerity. Surround yourself with people who raise and encourage your recovery. Here is how you can build a strong support network:Stay connected to sober friends and familyLiving 12 step meetings at (AA, NA) or alternative support groups (Smart Recovery, Refuge Recovery, Celebrate Recovery)Find a mentor, sponsor or accountability partnerIn the vicinity of people who respect your austerity, helps you to stay on course and prevent triggers.2. Set healthy routinesA structured daily routine helps you to stay focused and reduces the chances of relapse. Try to start with:Morning rituals– meditation, exercise, journalization or literature for recovery of reading recoveryHealthy eating– A balanced diet improves the mood and energy levelsRegular exercise– Physical activity increases mental health and reduces stressConsistent sleeping schedule– Restful Sleep improves emotional stability.u0c78fa520405a578bedea62bbea02a2d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u0c78fa520405a578bedea62bbea02a2d:active, .u0c78fa520405a578bedea62bbea02a2d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u0c78fa520405a578bedea62bbea02a2d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u0c78fa520405a578bedea62bbea02a2d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u0c78fa520405a578bedea62bbea02a2d .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u0c78fa520405a578bedea62bbea02a2d:hover .postTitle { text-decoration: underline!important; } See alsoWhat makes cabinetry affordable without sacrificing quality: balance between cost and craftsmanshipHealthy habits will replace old destructive patterns and offer stability in daily life.3. Find new hobbies and interestsIn addiction, a large part of life revolves around the use of resources. Now it’s time to re -discover what fascinates you, so why don’t you try new activities, such as:Creative points of sale– Painting, writing, playing musicOutdoor activities– Walking, cycling, fishing, gardeningSports and fitness– Yoga, martial arts, running or becoming a member of a gymPersonal growth– Read, learn a new skill, take lessonsNew activities keep your mind involved and help create a fulfilling sober life.4. Manage stress and emotional triggersStress and negative emotions can lead to desires. Develop healthy coping strategies to manage them effectively. Here are some ideas to give you inspiration:Mindfulness and meditation– helps to reduce anxiety and improve the focusDiary-Writing down your thoughts and feelings promotes self -consciousnessTherapy or counseling– Professional guidance can help navigate challengesMusic, art or relaxation techniques– Creative expression helps to process emotionsLearning to deal with stress in a healthy way prevents a relapse.5. Set goals and think the goalAusterity is not just about what you avoid – it’s about what you build. Setting goals gives you direction and motivation.Career or educational goals– Strive for a new job, diploma or certificationFinancial independence– Make a budget, save money or start a new career pathReturn– Volunteering, mentor others in recovery, or becoming a member of community service projectsA meaningful life gives you something that is worth staying sober..u1d4aecea0b150706c96bc1c61bde8170 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u1d4aecea0b150706c96bc1c61bde8170:active, .u1d4aecea0b150706c96bc1c61bde8170:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u1d4aecea0b150706c96bc1c61bde8170 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u1d4aecea0b150706c96bc1c61bde8170 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u1d4aecea0b150706c96bc1c61bde8170 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u1d4aecea0b150706c96bc1c61bde8170:hover .postTitle { text-decoration: underline!important; } See alsoWhich one is suitable for your company?6. Avoid risky situations and peopleOne of the biggest challenges in long -term austerity is to avoid triggers who can lead to a relapse. Avoid the following:Stay away from poisonous relationships– Fighting ties with people who encourage substance useAvoid risky environments– bars, clubs or social institutions that revolve around alcohol or drugsHave an exit plan– If you are in an uncomfortable situation, know how to leaveProtecting your sobriety means setting limits and prioritize with your well -being.7. Four milestones and progressYou keep the recognition and celebration of your progress motivated.Follow your sobriety– Use an austerity app or diary on your journeyReward yourself– Treat yourself to a trip, hobby or experience when you reach a milestoneShare your success– Inspire others by sharing your storyIf you acknowledge that your performance reminds you how far you have come and strengthen your bet.Last thoughtsCreating a sober lifestyle is about more than just avoiding substances – it’s about building a life that you really love.Surround yourself with positive influences, develop healthy habits and routines, NASTAAL MENTAL goals and passions and learn how to manage stress and triggersRecovery is a lifelong journey, but with the right mindset and support you can build a satisfactory, sober life that brings you happiness and goal.What strategies have you helped to maintain a sober lifestyle? Share your thoughts in the responses!

Eddie Howe responds to being BOOED by Newcastle fans for taking Tonali off
Sports 2025-12-24 02:06:22

Eddie Howe responds to being BOOED by Newcastle fans for taking Tonali off

Eddie Howe has asked supporters not to boo his substitutions as he called for unity amid Newcastle’s winless run.Fans have let their feelings be known during the last two matches when Howe has withdrawn Sandro Tonali not long after the hour mark. Eddie Howe has asked supporters not to boo his substitutions as he called for unity amid Newcastle’s winless run. Fans have let their feelings be known during the last two matches when Howe has withdrawn Sandro Tonali not long after the hour mark. Newcastle have slipped to 12th in the Premier League after five without victory and, while some fans and observers have criticised the functionality of the team’s midfield, there are others who believe it has been wrong for Howe to take off Tonali. He has been replaced by Joe Willock and Sean Longstaff in recent matches. Howe, though, would rather the booing did not happen during a game, as he asked supporters and the team to stay together ahead of Wednesday night’s Carabao Cup tie at home to Chelsea. ‘Firstly, I love the fact supporters regard Sandro in the highest esteem as I do,’ he said. ‘The only thing I would ask is that any frustrations towards me or any decisions are reflected after the game, not in the moment. I think it’s difficult then for the players coming onto the pitch. Not that it should necessarily affect their performance, but it just does create an element of doubt. ‘The difficult decision I have, especially in midfield, is that we have three outstanding players starting the game (Tonali, Bruno Guimaraes and Joelinton). Then, you’re losing the game and you’re trying to make changes that you feel can help us, without leaving it too late. Ultimately, I’ve judged it on goals and creativity and trying to get as many of them in the team as I can when we chase a game.’ Howe added: ‘At this moment, it is very important I back the players - show strength, show calmness in what I believe in what we are doing, but not blindlessly carrying on if things are not working. ‘Unity is the most important thing. The hardest thing when the team isn’t getting the results that we want is to stay unified. The supporters have been incredibly good, look at them at Stamford Bridge (on Sunday). ‘We talk about the reaction to Sandro’s substitution, and I understand that, but the reaction after the game was incredible. It is not the first time they have backed us in defeat or difficult runs. It means so much to us because it gives us the best chance to fight back as quickly as possible.’ Tonali has not scored since his debut against Aston Villa on the opening day of last season - albeit with a 10-month betting ban in between - and that was also the only time he has started a Premier League match Newcastle have won. Howe said following Sunday’s 2-1 defeat at Chelsea that he believed there was more to come from the Italian, and he added: ‘Of course there is more to come from him and the whole team. More from him means more influence on the game. Technically, he is an outstanding player. To see that technical ability, we want him to get the ball more. ‘Playing as a No.8 we need more of a goal threat, too. That is such a key thing for the players in those positions. We have struggled for goals as a team. We need goals from every angle. Everyone has to contribute.’ Meanwhile, Howe has given a robust defence of his midfield unit. ‘I am happy (with the midfield),’ he said. ‘I don’t think it’s absolutely perfect at the moment, because the results will tell you it’s not. But if you look at the team functioning, especially in the last three performances, we’ve been good in the main. We have been creating chances and have been more than competitive. I don’t see something that is drastically wrong looking at the team. ‘The results will say the blend isn’t great, but I think our general performances in midfield I haven’t had an issue with. I don’t have a negative issue with our midfield. We have three outstanding starting players. Relationships do take time to build. These things don’t happen overnight, but I’ve seen enough to know that those three players can work in tandem together well.’

Current refi mortgage rates report for Nov. 10, 2025
Personal Finance 2026-01-04 11:19:38

Current refi mortgage rates report for Nov. 10, 2025

The current average refinance rate on a 30-year, fixed-rate home loan is 6.37%, according to data from the popular real estate marketplace Zillow. If you’re a homeowner hoping to refinance your mortgage for a lower rate or perhaps to tap home equity, read on to see average refi interest rates for a variety of loan types and terms. You can also see the prior day’s report here.Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Current refi rates dataConventional mortgages30-year6.37%20-year6.42%15-year5.64%10-year5.84%Jumbo mortgages30-year7.09%15-year6.16%FHA loans30-year5.49%15-year5.53%VA loans30-year6.14%15-year6.34%Note thatFortunereviewed the most recent Zillow data available as of Nov. 7.How mortgage refinancing worksA mortgage refinance essentially pays off your existing home loan with a new one. Just like when you applied for a mortgage the first time around, you’ll need to apply and meet lender criteria regarding your credit profile, proof of income, your debt-to-income (DTI) ratio, and more. Note that this means your credit score will likely take a small hit due to the hard inquiry. And it also means if you don’t meet the lender’s requirements, you can be denied for a refi loan.What’s happening with mortgage rates in the market?Some observers hoped mortgage interest rates would fall in tandem cuts made by the Federal Reserve to the federal funds rate late last year. But, that didn’t happen, and mortgage rates remained stubbornly near the 7% mark—looking at the nationwide average for 30-year, fixed-rate loans—for months.Rates have remained well above the pandemic-era lows, when some homeowners snagged loans with rates in the 2% and 3% range. Many remain locked in, unwilling to move or refinance in the current environment. A report from Redfin showed that as of the third quarter of 2024, 82.8% of homeowners with a mortgage had a rate below 6%.Still, homeowners finally started getting some relief in late August and early September of 2025, when mortgage rates started trending noticeably downward ahead of the Fed’s Sept. 16-17 meeting—at which the central bank delivered the year’s first rate cut. The Fed followed up with a second cut to the federal funds rate at the end of October, as well.When it might make sense to refinance your mortgageAs we’ll cover more in the next section, it’s not free to refi your home loan. So, when does it make sense to accept the upfront costs and refinance? One common guideline is that if you can get a new rate that’s a full percentage point lower than your current rate, it’s worth refinancing. Using recent market conditions as an example, someone who took out a home loan at 7% might find it worth their while to refinance if rates drop and they can get a new loan with a 6% rate.It may also be worth refinancing to tap your home equity through a cash-out refi. Note that you’ll typically need to have at least 20% equity in your home for this. So, if you purchased the place with the 5% minimum down payment—or 3% for first-time homebuyers—typically available on conventional loans, it could take a while before you’re eligible for a cash-out refi.Yet another situation where you might benefit from refinancing is to change your loan term. For example, maybe you took out a 15-year mortgage intending to save on interest charges in the long run in exchange for higher monthly payments. But life is unpredictable, and maybe you’ve decided the monthly payments are spreading your budget too thin. Refinancing to a 30-year loan may offer the flexibility to make smaller monthly payments that fit your budget better.There are also cases where it can make sense to switch loan types. If you have an FHA loan with a lifetime requirement to pay mortgage insurance, for instance, refinancing so you can change your mortgage to a conventional loan could provide an opportunity to ditch that insurance cost (called MIP on an FHA loan or PMI on a conventional). Or, if you initially took out an adjustable-rate mortgage (ARM) and you’ve realized you intend to keep the loan for a significant number of years, refinancing to switch to a fixed-rate mortgage might be a smart way to avoid rate hikes when your ARM’s adjustment period kicks in.Costs to refinance your mortgageMuch like a traditional home loan taken out to purchase a property, refinancing a mortgage involves closing costs that run about 2% to 6% of the loan amount. For instance, if you do a rate-and-term refi on a $300,000 loan, you might  pay anywhere from $6,000 to $18,000 in refi closing costs. Here are some of the costs you might see on your refinance loan estimate:Lender origination fees.Appraisal fees.Title search and insurance fees.Loan application fees.Survey fees.Attorney fees (if required in your state).Recording fees.Prepayment penalties (if your current loan servicer charges one).Different types of mortgage refi loansThere are a wide variety of mortgage refinance loans on the market, and the right one for your needs will depend on what you’re aiming to accomplish and what type of mortgage you currently have. Here are some common refi options:Rate-and-term refinance:This is the most popular refi option that allows you to lower your interest rate and/or shorten your loan term. While shortening your loan term does typically earn you a lower rate and hefty lifetime interest savings, you’ll be locked into higher monthly mortgage payments.Cash-out refinance:With a cash-out refi, you can tap your home’s equity by replacing your existing loan balance with a new, larger one and withdraw the difference in cash. You can use the money for home improvements, consolidating high-interest debt or other financial goals.No-closing-cost refinance:With this option, your lender covers your closing costs in exchange for charging you a higher interest rate. If you don’t have cash upfront for closing costs and could otherwise benefit from a refinance, this option may be worth looking into.Streamline refinance:Available to existing FHA, VA and USDA loan borrowers, these refi options involve less documentation and a more straightforward application and approval process.Refinancing with your existing lender vs. a new oneThere’s no requirement that you refinance with the same lender you got your original mortgage from. Thus, it’s worth shopping around for the lowest rate and best service you can find. However, some lenders may offer incentives if you stick with them, such as waiving a portion of the closing costs. Since these charges can be an expensive upfront cost, it’s worth checking with your existing lender about incentives—as that might reduce the barrier to refinancing and allow you to refi more easily than you’d otherwise be able to. Finally, know that if your mortgage was purchased by Fannie Mae or Freddie Mac, you might be eligible for programs such as Refi Now and Refi Possible.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

8 ways in which intramural health programs for long -term mental health care promote wellness
Health 2026-01-12 12:51:56

8 ways in which intramural health programs for long -term mental health care promote wellness

ContentsExtensive assessment and personalized care plansTherapeutic alliances and support systemsStructured daily routinesHolistic treatment pensionsSkill development and coping strategiesInvolvement and support of the familyAftercare planning and resourcesCrisis management and relapse preventionIn an era in which mental health receives recognition as a core component of well -being, intramural mental health programs play a crucial role for people confronted with serious psychological challenges. These structured environments help patients to tackle intensively, so that they offer the tools and support they need to pave the way to sustainable well -being. Insight into how these programs promote resilience and recovery can transform the way in which we approach mental health care.Extensive assessment and personalized care plansOne of the cornerstones of intramural mental health programs is the extensive assessment that is carried out with admission. This evaluation often includes a thorough psychiatric assessment, physical health control and evaluation of social factors. By following a holistic approach, clinicians can make a personalized care plan that is tailored to the specific needs of the individual. This plan outlines targeted goals and evidence-based interventions that not only tackle immediate symptoms, but also take into account recovery strategies in the long term.This personalized care ensures that every patient receives the precise support he needs, which is essential for promoting success in comparison with generic treatment models. Integrated efforts can lead to improved results, where studies show that personalized care can significantly improve involvement and compliance with treatment protocols.Therapeutic alliances and support systemsBuilding therapeutic alliances is crucial in intramural care. The relationships formed between patients and mental health care professionals in a Intramural Mental Health Center Offer the emotional support required for recovery. Positive interactions with therapists, nurses and counselors help patients to feel and feel appreciated, which is fundamental for their healing trip. These alliances promote trust and encourage individuals to express their feelings and worry more openly..u44979be4cc6941ae5aaaf209e89ab1d8 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u44979be4cc6941ae5aaaf209e89ab1d8:active, .u44979be4cc6941ae5aaaf209e89ab1d8:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u44979be4cc6941ae5aaaf209e89ab1d8 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u44979be4cc6941ae5aaaf209e89ab1d8 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u44979be4cc6941ae5aaaf209e89ab1d8 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u44979be4cc6941ae5aaaf209e89ab1d8:hover .postTitle { text-decoration: underline!important; } See also7 Ways to Deal with Menopausal Skin ChangesSupport systems that are located in the facility also play an important role. Group therapy sessions, peer support groups and one-on-one discussions offer patients opportunities to share experiences, improving a sense of community. Knowing that others experience and understand their challenges in comparable situations, can relieve feelings of insulation, leading to improved emotional well -being.Structured daily routinesIntry programs for mental health care often implement structured daily routines that are designed to bring a sense of stability and predictability. This routine usually includes planned times for meals, therapy sessions, group activities and relaxation. Such a structure is particularly favorable for people who experience fear or depressive disorders, because it helps them to regain a sense of control over their daily lives.Compliance with a schedule not only offers patients a sense of satisfaction, but also helps them to develop healthy habits that can be sustained after discharge. Over time, these routines can become an integral part of their daily lives, to support continuous well -being and stability in the light of future challenges.Holistic treatment pensionsHolistic approaches are increasingly being integrated into intramural mental health programs, in which traditional therapy is combined with alternative methods. Patients are often concerned with activities such as art therapy, music therapy and mindfulness practices that encourage creative expression and relaxation. A versatile approach helps to tackle psychological, emotional and physical aspects of mental health.Performing holistic activities promotes a deeper insight into someone’s emotions and thoughts, which makes coping strategies constructed for the management of stress and triggers. Studies indicate that patients who participate in complementary therapies experience a greater reduction in symptoms and experience improved general satisfaction with their care..u72cc974b6e08351e30f3943e4d35ac39 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u72cc974b6e08351e30f3943e4d35ac39:active, .u72cc974b6e08351e30f3943e4d35ac39:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u72cc974b6e08351e30f3943e4d35ac39 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u72cc974b6e08351e30f3943e4d35ac39 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u72cc974b6e08351e30f3943e4d35ac39 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u72cc974b6e08351e30f3943e4d35ac39:hover .postTitle { text-decoration: underline!important; } See alsoAdd wellness to your wanderlust with these 8 tips for healthier travelSkill development and coping strategiesA crucial aspect of intramural programs for mental health care is the focus on the development of skills. Patients learn different coping strategies, communication skills and problem-solving techniques during their stay. These skills are not only theoretical, but are practiced in real-life scenarios within the program. Therapists guide patients through role -playing and cognitive behavioral strategies that can improve their resilience and adaptive functioning.By promoting these skills, patients leave the program equipped to navigate more effectively to daily challenges and potential triggers. This empowerment translates into long -term well -being, because individuals become active participants in their recovery instead of passive recipients of care.Involvement and support of the familyThe influence of family relationships on recovery, inpatient mental health programs often often recognize the involvement of the family. Sessions for family therapy enable lovers to understand the complexity of mental health and their role in supporting the recovery journey of the individual. This involvement can strengthen bindings and improve communication, promote a more favorable home environment.Studies show that when family members participate in the treatment process, patients experience lower relapse rates and improved compliance with aftercare plans. Fascinating families offer essential support that can be crucial in maintaining profits made during the stay in the intramural stay.Aftercare planning and resourcesEffective aftercare planning is of vital importance for maintaining well -being that is achieved during intramural treatment. Before dismissal, clinicians work together with patients to draw up a robust aftercare plan that can include continuous therapy, support groups and community resources. Connecting patients with appropriate means in the community can play a crucial role in strengthening their recovery journey..ubae29a0a684c9ccafbca46e9e720f0fd { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ubae29a0a684c9ccafbca46e9e720f0fd:active, .ubae29a0a684c9ccafbca46e9e720f0fd:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ubae29a0a684c9ccafbca46e9e720f0fd { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ubae29a0a684c9ccafbca46e9e720f0fd .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ubae29a0a684c9ccafbca46e9e720f0fd .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .ubae29a0a684c9ccafbca46e9e720f0fd:hover .postTitle { text-decoration: underline!important; } See alsoEight reasons why watching movies is beneficial for mental healthA well -structured aftercare plan ensures that patients do not feel abandoned after treatment. Statistics indicate that people with solid follow-up support demonstrate higher levels of compliance with treatment plans and demonstrate better results in the long term. This support system helps to bridge the gap between intramural care and independent life.Crisis management and relapse preventionWithdrawn programs for mental health care, patients are equipped with aids for crisis management and relapse prevention. By means of Identifying personal triggers And developing action plans, individuals learn how to navigate with potential crises that can occur after dismissal. This proactive approach enables patients to manage their mental health more effectively.The ability to recognize early warning signals from relapse and use of coping mechanisms can considerably reduce the risk of rehospitalization. Programs emphasize the importance of staying connected to sources for mental health care and involving self -care practices to maintain a balanced state of mind.Procedure programs for mental health care serve as crucial lifelines for people who navigate mental health due to complex challenges. By offering holistic assessments, therapeutic environments, various treatment modalities and educational support, these programs are the scene for lasting recovery. They not only focus on immediate stabilization, but they also emphasize the importance of building a robust support system and resting people with essential coping skills. Investing in such extensive care promotes really wellness in the long term for those looking for help in mental health care centers. Because of their versatile approaches, these programs enable individuals to reclaim their lives and to promote a healthier future.

Current price of silver as of Friday, November 7, 2025
Personal Finance 2025-12-23 02:01:24

Current price of silver as of Friday, November 7, 2025

At 9 a.m. Eastern Time on November 7, 2025, silver exchanged hands at $48.70 per ounce. That’s a $0.04 uptick from 24 hours ago and more than a $16 gain over the past year.Silver price per ounce% ChangePrice of silver yesterday$48.66+0.08%Price of silver 1 month ago$48.51+0.39%Price of silver 1 year ago$32.03+52.04%Price of silver yesterdaySilver price per ounce$48.66% Change+0.08%Price of silver 1 month agoSilver price per ounce$48.51% Change+0.39%Price of silver 1 year agoSilver price per ounce$32.03% Change+52.04%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Examine historical data and you’ll see that long-term silver returns just can’t compare to stock market gains. Since 1921, silver has underperformed the S&P 500 by roughly 96%. In other words, matching your investment equally between silver and stocks then would leave the silver portion approximately 96% lower in value on November 7, 2025.Silver’s strength lies in preservation of value—shielding you from inflation, in other words. Dubbed a “store of value,” it often holds purchasing power when inflation accelerates.Silver is more price-sensitive than gold due to its industrial uses (electronics, medical gear, and more), whereas gold primarily serves as a safe-haven asset.What does “spot silver” mean? “Spot silver” is the live rate at which silver can theoretically be bought or sold instantly. Actual buyers typically pay above spot to cover markups, shipping, insurance, and other expenses.The spot price is a real-time gauge of demand: A higher spot value points to stronger market interest.What is “price spread” in silver trading? The “price spread” is the gap between ask (buy) and bid (sell) prices. 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font-weight: 600; } }How to invest in silver You can invest in silver physically or via ETFs. ETFs let you own shares in a fund backed by physical silver, relieving you of storage and insurance duties. Some main silver investment forms include: Bullion bars and rounds.Purchased by weight and purity. Minted coins.Government-issued currency like American Silver Eagles and Silver Maple Leafs, with added value as collectibles. Jewelry.Crafted items that trade at prices above bullion with identical purity.Mining stocks.Silver mining company shares that can provide an indirect investment route and help to limit your exposure to silver prices. On most trading platforms, silver bullion and coins must be 99.9% pure (the “three nines fine” standard) while lower-purity silver is classified as industrial or collectible. Read our guide to the best silver IRA companies for more tips to investing in precious metals.Is it a good time to invest in silver? Silver has rallied nearly 25% in 2025, climbing to decade-high territory. Whether now is the right moment to buy comes down to your goals (and your intuition). Precious metals can hedge against inflation, and anticipated industrial demand—particularly in green technologies—may potentially further propel prices. But don’t invest in silver expecting an outsized return. Current precious metals prices as of 9 a.m. ET on November 7, 2025 Precious metal Price per ounceGold$3,998.82Silver$48.70Platinum$1,550.50Palladium$1,403.22GoldPrice per ounce$3,998.82SilverPrice per ounce$48.70PlatinumPrice per ounce$1,550.50PalladiumPrice per ounce$1,403.22When it comes to precious metals, gold remains the go-to safe haven. Platinum and palladium mirror silver’s volatility given their smaller markets. Gold’s larger market cap makes it comparatively steadier.Pro tipThinking gold? See our guide to the best gold IRA companies.The takeaway In a volatile economy, precious metals deserve consideration for a place on your radar.Silver’s 2025 gains have outpaced gold, and many analysts anticipate continued strength—expecting possible new highs for silver.Finally, silver’s lower price point compared to gold makes it an approachable way for investors wanting to get started with precious metals. Whether you opt for physical metal, ETFs, or mining stocks, there are lots of paths to set yourself up for success looking toward the next silver upswing.Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Financial advisors typically recommend keeping no more than 10% to 15% in silver, with overall precious metals exposure capped at around 20%.Can silver be held in an IRA?Yes. IRA-eligible silver bars and coins (99.9% pure) held by an IRS-approved custodian qualify.Junk or constitutional silver (minted pre-1965 and often having around 90% purity) isn’t IRA-eligible but still holds collectible value outside retirement accounts.What’s driving silver prices in 2025? Scarcity of supply and growing demand—from both industrial applications and investors—have likely fueled silver’s upward trajectory this year. Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Tips for creating a calmer home environment
Health 2025-12-25 13:45:33

Tips for creating a calmer home environment

Contents1. Change the layout of your house2. Switch off appliances 3. Exclude noise machines4. Address outdoor sounds with your community5. Use noise -oppressed technology6. Implement Smart Home Systems7. Take natural sound barriers8. Improve your doors and windows9. Add extra insulation to your walls or roof10. Create a special quiet space Say hello to peace and silenceDisruptive sounds can occur in any environment and cause damage to your sense of peace. Ruis pollution is every unwanted sound that negatively influences the physical and emotional health of Living Things, which leads to stress, poor sleep and hearing disorders.Sound pollution in cities can contain a high traffic, construction or only the inherent DIN in connection with larger populations. Even the sound of daily electronics makes it more difficult to create a relaxing environment – wherever you live. The effects of noise pollution on people are frustrating but addressable. Turn your house into a refuge of the commotion with these 10 tips for creating a calmer environment.1. Change the layout of your houseIf you are looking for a cost-effective solution for solid pollution effects, consider changing the layout of your house. The placement of your furniture can affect the amount of racket that your house enters. Place large items – such as bookshelves – against walls to absorb sounds.Rooms intended for focused work – such as offices – or places that encourage relaxation – such as the bedroom – should ideally be further away from noisy areas, such as the kitchen or living room. Adding thicker carpets, curtains, pillows and furniture is another easy way to improve the feeling of silence of your house. Thick, soft fabric can do wonders for absorbing sound..u4f15aa5766b410bbe241cda297ec0b2a { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u4f15aa5766b410bbe241cda297ec0b2a:active, .u4f15aa5766b410bbe241cda297ec0b2a:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u4f15aa5766b410bbe241cda297ec0b2a { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u4f15aa5766b410bbe241cda297ec0b2a .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u4f15aa5766b410bbe241cda297ec0b2a .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u4f15aa5766b410bbe241cda297ec0b2a:hover .postTitle { text-decoration: underline!important; } See alsoCultivating a nurturing learning landscape for your child: 8 tips2. Switch off appliancesStandard electronic devices – such as televisions, game systems and computers – can subtly add to the sound pollution level of your house. Although electronic sounds can become routine, you would be surprised what they can close for your feeling of silence.3. Exclude noise machinesWhen the dishwasher or washing machine is active, try to close the door. It is a simple solution, but a barrier between you and the noise source can help restore a sense of silence.4. Address outdoor sounds with your communityIf extra noise influences your ability to create a quiet home environment, this can also affect your neighbors. Higher exposure to loud sounds in early adolescence can affect the mental child of a child Well -being, and this can be a community problem if you live in a family neighborhood. Tackle the construction of construction or traffic noise by brainstorming solutions or contacting local authorities.If your neighbors disrupt your calmness with noisy activities, try to talk to a mutual agreement. Perhaps it is a matter of asking them to change the time of the day that they mow their lawn.5. Use noise -oppressed technologyFrom white noise machines to apps for environmental sound, technology can help you create a peaceful house in many ways. If you are looking for a solution that goes everywhere, try headphones with noise reduction or even a few quality calls.6. Implement Smart Home SystemsGo one step further with sound supply by implementing the technology of the noise by implementing Smart Home systems. You can get Windows that close automatically when sound reaches a specific volume or soundproof blinds that easily close with the push of a button..u660b45e240ba4eca54bc2e4ae3d5002f { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u660b45e240ba4eca54bc2e4ae3d5002f:active, .u660b45e240ba4eca54bc2e4ae3d5002f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u660b45e240ba4eca54bc2e4ae3d5002f { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u660b45e240ba4eca54bc2e4ae3d5002f .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u660b45e240ba4eca54bc2e4ae3d5002f .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u660b45e240ba4eca54bc2e4ae3d5002f:hover .postTitle { text-decoration: underline!important; } See also6 Key Ingredients to Look for When Buying Health and Wellness Supplements7. Take natural sound barriersRecording natural elements is a great way to beautify your environment and reduce sound pollution. Since then plant trees and hedges around your house Vegetation blocks natural sound And benefits the environment. Water features – such as fountains or waterfalls – are perfect for replacing disruptive Din with soothing sounds.8. Improve your doors and windowsDoors and windows are usually gateways to outdoor noise. Upgrade to reduce the impact of noise pollution. You can invest in new, soundproof doors and windows or improve your existing. Double or triple glazing isolates your house of sound. Defense and door sweeping are usual ways to close openings to reduce the DIN and protect your house in extreme weather.9. Add extra insulation to your walls or roofSuch as doors and windows, walls and roofs are also susceptible to the entry of noise. You can add extra insulation to your walls with materials such as acoustic foam or mineral wool that absorb sound. Studies link transport noise Higher opportunities on cardiovascular problemsSo if you live in the vicinity of an airport or traffic area, extra roof insulation can help your heart health.10. Create a special quiet spaceWide a room or niche of your house on quiet activities, such as reading or meditation. Use one of the tips – such as adding softer furniture or switching off devices – to make this space a refuge for calmness. Take time in your daily routine to rest and charge in your quiet room..u3cd127f1a35711a6a7f052fb1079ff84 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u3cd127f1a35711a6a7f052fb1079ff84:active, .u3cd127f1a35711a6a7f052fb1079ff84:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u3cd127f1a35711a6a7f052fb1079ff84 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u3cd127f1a35711a6a7f052fb1079ff84 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u3cd127f1a35711a6a7f052fb1079ff84 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u3cd127f1a35711a6a7f052fb1079ff84:hover .postTitle { text-decoration: underline!important; } See alsoDiscover the Best Styling Tips & Care GuideSay hello to peace and silenceTake the management of your environment by reducing sound pollution. Whether you opt for home projects such as upgrading your windows, doors or roof or you choose to practice simple steps, such as switching electronics and closing the door to noise machines, these tips help you on your way to rest and relaxation.

Romano: The contract and agreement details with Amorim are 100% finalized
Sports 2026-01-05 23:40:11

Romano: The contract and agreement details with Amorim are 100% finalized

Romano: Contract, project and details of the agreement between Rúben Amorim and Man United are 100% in place.Negotiations underway with Sporting to find a solution for Amorim’s exit. Romano: Contract, project and details of the agreement between Rúben Amorim and Man United are 100% in place. Negotiations underway with Sporting to find a solution for Amorim’s exit.

I accidentally followed a senior yoga class: this is what I have learned
Health 2026-01-04 15:10:34

I accidentally followed a senior yoga class: this is what I have learned

ContentsFocus on flexibility and balanceBreathe and relaxYou can build strength through simple poses Low-impact movements are great for joint healthYoga is a community activity Senior Yoga: It’s not just for seniorsI will admit it – I almost immediately walked out. It had been a long day and I was looking forward to a good piece when I found a yoga class nearby. I slid in, rolled out my mat and realized that I was the youngest person in the room for at least a few decades. I accidentally got into the senior yoga class in my local studio. My first instinct was to leave before someone noticed me. But before I could collect my things, the instructor and a few class members greet me warmly. “Stay! It’s a great class,” said one of the ladies. So I did.What followed was an hour of soft movement, deep breathing and a surprising amount of laughter. I left looser, more grounded and fully reconsider what it means to stay active at any age. This is what I learned.Focus on flexibility and balanceYoga is Everything about improving flexibility And mobility with soft, conscious movements. Senior Classes focus on slow, controlled poses that are easier on the joints, but still improve strength and stability.We did poses such as Tree Pose and sitting mountain posture To improve the balance And attitude. The teacher also often mentioned changes to help everyone get the best out of their practice.Breathe and relaxSenior Yoga is not only about physical movement – it is also a mental reset. The instructor told us breathing exercises such as aperture breathing Help to calm the nervous system And reduce stress. These techniques promote relaxation, making the class as much about mindfulness as about flexibility..uec2bde252a16ee490e753178e7b2a628 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .uec2bde252a16ee490e753178e7b2a628:active, .uec2bde252a16ee490e753178e7b2a628:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uec2bde252a16ee490e753178e7b2a628 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uec2bde252a16ee490e753178e7b2a628 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uec2bde252a16ee490e753178e7b2a628 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .uec2bde252a16ee490e753178e7b2a628:hover .postTitle { text-decoration: underline!important; } See alsoThe importance of luxury rehabilitation during the recovery processIn my class I noticed how much more relaxed and centered I felt after concentrating on my own breathing. It is a reminder that delaying and deep breathing can be just as important as the physical poses.You can build strength through simple posesYoga can be an excellent way to build strength without overloading the body. Even slight resistance helps to combat muscle loss, which can happen if you move less with age, making it easier to go through daily activities with less discomfort.I only read that No less than 44% of seniors Are still active, but yoga is a great way to get the rest moving again. We have focused on slow, controlled movements to prevent tension and to maximize the benefits of everyone’s practice.Low-impact movements are great for joint healthSoft, low-impact movements are the key to joint health and mobility. We did poses such as sitting pieces and even some chair yoga because they are Good for people with limited flexibility And joint discomfort. With these adjustments we were able to safely practice the poses and yet benefit from an increased range of movement.We also focused on movements that gently mobilized our hips, shoulders and knees, which helped to reduce stiffness and discomfort. If you are dealing with joint pain or stiffness, I strongly recommend trying low-impact movement for lighting with less risk of injury.Yoga is a community activityWhat really surprised me about the senior yoga class was the feeling of community in it. Everyone was supportive and hospitable, making the experience less like training and more as a social meeting. The instructor and participants shared tips, laughed and encouraged each other. It created such a positive and uplifting atmosphere..u40d7906f826100829b977d59c6bd48e5 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u40d7906f826100829b977d59c6bd48e5:active, .u40d7906f826100829b977d59c6bd48e5:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u40d7906f826100829b977d59c6bd48e5 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u40d7906f826100829b977d59c6bd48e5 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u40d7906f826100829b977d59c6bd48e5 .postTitle { color:#9B59B6; text-decoration: underline!important; font-size: 16px; } .u40d7906f826100829b977d59c6bd48e5:hover .postTitle { text-decoration: underline!important; } See alsoThe benefits of the lives of the Senior Health CommunityThe social aspect is a great way to make contact with others and at the same time improve your health. It is a great memory that yoga is not only physical, but can also be about building permanent ties with like -minded people.Senior Yoga: It’s not just for seniorsAfter my unexpected experience in a senior yoga class, I can honestly say that it was one of the nicest and enlightening yoga sessions I had. From improving flexibility and strength to reducing stress and making new friends, senior yoga offers benefits that someone can appreciate.So, the next time you see a senior class, don’t be shy! Maybe you may also find it that it suits you perfectly.

Current price of silver as of Thursday, November 6, 2025
Personal Finance 2025-12-19 01:45:49

Current price of silver as of Thursday, November 6, 2025

At 8:15 a.m. Eastern Time on November 6, 2025, silver cost $48.66 per ounce. That’s a $0.95 rise from yesterday and more than a $17 increase compared with last year.Silver price per ounce% ChangePrice of silver yesterday$47.71+1.99%Price of silver 1 month ago$47.99+1.39%Price of silver 1 year ago$31.17+56.11%Price of silver yesterdaySilver price per ounce$47.71% Change+1.99%Price of silver 1 month agoSilver price per ounce$47.99% Change+1.39%Price of silver 1 year agoSilver price per ounce$31.17% Change+56.11%Check Out Our Daily Rates ReportsDiscover the highest high-yield savings rates, up to 5% for December 11, 2025.Discover the highest CD rates, up to 4.18% for December 11, 2025.Discover the current mortgage rates for December 11, 2025.Discover current refi mortgage rates report for December 11, 2025.Discover current ARM mortgage rates report for December 11, 2025.Discover the current price of gold for December 11, 2025.Discover the current price of silver for December 11, 2025.Historical silver performance Silver isn’t an investment to look to for explosive returns. In the long term, it significantly trails the stock market. Since 1921, silver’s value has lagged the S&P 500 by about 96%—meaning an identical investment in both would leave the silver portion worth roughly 96% less on November 6, 2025. Silver’s appeal lies in stability and hedging against inflation. Known as a “store of value,” it often preserves purchasing power when inflation bites, effectively petrifying the value of your money until you want to access it again. That said, silver’s price swings are more pronounced than gold’s because of its industrial applications—in gadgets, healthcare tools, and beyond—whereas gold is almost exclusively a safe-haven asset.What does “spot silver” mean? The “spot silver” price indicates the current rate at which silver could, in principle, be traded instantly. But we should note that buyers in the real world typically face premiums above spot to cover markups, shipping costs, and insurance. Spot pricing offers investors a real-time barometer of market demand. That is to say, a higher spot price suggests stronger buying pressure.What is “price spread” in silver trading? “Price spread” denotes the difference between ask and bid prices: Ask price.This means the cost to purchase silver Bid price.This means the proceeds from selling silver A tight bid-ask spread points to high liquidity, while a wide gap can indicate lower trading activity. How to invest in silver Silver holdings can be physical or fund-based (ETFs). ETFs allow you to gain exposure without handling storage or logistics, as the fund can still retain actual silver. Popular silver investments include: Bullion.This is in the form of bars or rounds sold by weight and purity. Coins.Government-minted currency such as American Silver Eagles and Silver Maple Leafs, often sold at a premium, are popular both for aesthetic reasons and because the government backing may give buyers a level of confidence in the purchase’s authenticity.  Jewelry.Think artisanal pieces that command prices above equivalent-purity bullion. Mining stocks.This refers to shares in companies extracting silver, offering an indirect route for investing in silver. On exchange platforms, bullion and coins must be at least 99.9% pure. Anything below this threshold typically qualifies as industrial or collectible silver. The best silver IRA companies can help you to formulate a strategy for investing in precious metals like silver.#qsWidgetContainer179, #qsWidgetContainer179 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer179 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer179 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer179 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer179 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer179 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer179 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer179 .listing:first-child { margin-top: 0; } #qsWidgetContainer179 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer179 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer179 .logo-column.flex-container, #qsWidgetContainer179 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer179 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer179 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer179 .apy-label, #qsWidgetContainer179 .curDate, #qsWidgetContainer179 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer179 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer179 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer179 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer179 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer179 .prop-value-container { align-items: stretch; } #qsWidgetContainer179 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer179 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer179 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer179 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer179 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer179 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer179 #sh-star-icon { top: -2px; } #qsWidgetContainer179 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer179 #see_more_carrier, #qsWidgetContainer179 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer179 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer179 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer179 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer179 .shmktpl-sponsored, #qsWidgetContainer179 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer179 .sh-logo { flex-shrink: 1; } #qsWidgetContainer179 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer179 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer179 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer179 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer179 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 20px; font-weight: 600; text-align: left; } #qsWidgetContainer179 .sh-fdic-insured .sh-text { color: #666 !important; } #qsWidgetContainer179 .sh-first-product .sh-btn__text, #qsWidgetContainer179 .sh-btn__text { border-radius: 0; border-color: #111; color: #111; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; height: auto; letter-spacing: .5px; padding: 12px 16px; } #qsWidgetContainer179 .sh-btn__text:hover { border-color: #666; color: #666; } #qsWidgetContainer179 .sh-row-sub-container span.sh-row-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; letter-spacing: .5px !important; } @media only screen and (width: 768px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { position: relative; top: initial; } } @media only screen and (max-width: 767px) { #qsWidgetContainer179 .cdBankingDesignChanges .sh-first-product .sh-title-container { padding: 0; } #qsWidgetContainer179 .prop-conatiner:not(:first-child):before { height: 2px; left: 0; top: -12px; width: 100%; } #qsWidgetContainer179 .sh-row2-container { flex-basis: 100% !important; padding-bottom: 8px !important; } #qsWidgetContainer179 .sh-first-product .sh-title-container .sh-row-container { height: auto; padding: 8px; } #qsWidgetContainer179 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-size: 14px; font-weight: 400; margin-top: 8px; top: 182px; } #qsWidgetContainer179 img.logo-image { margin-left: auto; margin-right: auto; max-width: 200px; } #qsWidgetContainer179 .listing-title { font-size: 20px; font-weight: 600; } }Is it a good time to invest in silver? Silver’s price has climbed almost 25% in 2025, reaching decade-high levels. Whether to buy now hinges on your strategy. Precious metals can hedge inflation, and rising industrial uses—from solar to electronics—could potentially drive further gains. However, investors looking for more robust growth may be disappointed. Current precious metals prices as of 8:15 a.m. ET on November 6, 2025 Precious metal Price per ounceGold$4,009.61Silver$48.66Platinum$1,560.55Palladium$1,410.98GoldPrice per ounce$4,009.61SilverPrice per ounce$48.66PlatinumPrice per ounce$1,560.55PalladiumPrice per ounce$1,410.98Gold is the stalwart safe haven; platinum and palladium share similar volatility to silver due to smaller markets.Pro tipWant to stick with gold over other precious metals? See our recommendations for the best gold IRA companies.  The takeaway In an uncertain economy, precious metals may be a prudent addition to one’s portfolio. Silver’s performance in 2025 has bested gold’s, and some analysts predict a continued uptrend which may potentially push prices to all-time highs. Silver’s relatively low cost makes it more accessible for the casual investor. Whether through physical holdings, ETFs, or mining equities, you can position yourself to benefit from the next silver upswing. Frequently asked questionsWhat percentage of my portfolio should I allocate to silver?Advisors typically advise allocating no more than 10% to 15% to silver and capping precious-metal exposure overall at 20%.Can silver be held in an IRA?Yes—IRA-approved, 99.9% pure coins and bars held by an IRS-approved custodian qualify.  While some may choose to collect silver jewelry with lower purity levels or pre-1965 U.S. coins containing silver (often containing around 90% purity and known as “junk silver”) just know these won’t qualify for IRA inclusion.What’s driving silver prices in 2025? This year’s silver rally likely stems from limited supply and growing demand from industrial and investment sectors.Join us at the Fortune Workplace Innovation SummitMay 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

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