Category

Money Management

8 Places to Find Cheap Books (No Online Orders Required)

By Money Management No Comments

 No need to go online to score cheap books. 

Woman with a stack of books
javitrapero.com / Shutterstock.com

I’m a book lover through and through—I need to feel the weight of a book in my hands, flip through a few pages, and maybe even judge it by its cover before I commit. Online shopping doesn’t do it for me (though I’ve caved a time or two). Instead, I’ve spent years hunting for the best places to buy books cheap in real brick-and-mortar spots. If you’re like me and want to know where to buy books…

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Lack of International Tourists Hurting U.S. Economy

By Money Management No Comments

 Fewer foreign tourists mean quieter streets, emptier restaurants—and serious trouble for America’s economy. What’s keeping visitors away? 

Older tourist with money and tickets
Ljupco Smokovski / Shutterstock.com

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. America’s seeing a big drop in international visitors, and it’s costing the economy billions so far in 2025. Tourism is down around 10% from last year, partly due to rising global tensions and trade issues that make…

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Tariff-Proof Parenting: 7 Adjustments You Can Make to Survive a Trade War

By Money Management No Comments

 With economic uncertainty looming, these practical moves help families weather financial storms without sacrificing what matters most. 

happy family at home
Prostock-studio / Shutterstock.com

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. As tariffs reshape America’s economic landscape, families nationwide may soon feel the financial pressure. Rising prices on everyday goods combined with job insecurity have parents searching for ways to maintain…

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You Are Not Ready for These 5 Alarming Facts About 9.7 Million Loan Delinquencies

By Money Management No Comments

 Explore the ripple effects threatening households nationwide — where student loans and other debts place you squarely in the path of this late-payment surge. 

Student loan debt
zimmytws / Shutterstock.com

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. If you think the loan delinquency surge only affects student borrowers — think again. According to Forbes, nearly 9.7 million Americans are behind on student loan payments — and that doesn’t even account for growing…

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Workers Dish on CEO Pay, Workplace Discrimination and DEI Initiatives

By Money Management No Comments

 What does the CEO do all day? Workers want to know. 

wage gap
iofoto / Shutterstock.com

A new FlexJobs report reveals a growing divide between executive leadership and employees in the U.S. workforce. Conducted in February 2025, the FlexJobs Employee & Executive Divide Survey gathered insights from over 2,200 U.S. workers during a time when CEO compensation has inflated to nearly 200 times that of the average employee—and more than a quarter of workers say they feel less loyal to…

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Best CD Rates Today, April 17, 2025: Up to 4.65%

By Money Management No Comments
[[{“value”:”Image source: The Motley Fool/Unsplash
CD rates are hot at the moment, especially for periods of six to 14 months. Top rates hover between 4.50% and 4.65%.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. With the Fed likely to cut rates before the year is over, it’s smart to lock in a CD now. If you’re eyeing a solid deal, don’t wait too long.Check out some of the best CD rates available now and secure a great return on your savings.BankAPYTermMinimum DepositOMB4.65%7 Months$1,000United Fidelity Bank4.60%10 Months$1,000Brilliant Bank4.55%9 Months$1,000Marcus by Goldman Sachs4.50%14 Months$500United Fidelity Bank4.50%6 Months$1,000Data source: Issuing banks. Rates are accurate as of April 16, 2025.Why we chose these CDsExtremely competitive rates. Some CDs have slightly higher rates, but most come with a catch.Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.Online convenience. All the CDs on our list can be opened and managed quickly and conveniently on the bank issuer’s website, from the comfort of home.While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. Discover offers a solid alternative, with CDs that are budget friendly, easy to open, and are available in a huge variety of terms. If you value a smooth online experience and the recognition of a trusted digital bank, they’re worth a look. Explore Discover® Bank rates here.Should you open a CD now?If any of the following scenarios apply to you, it could be a great time to open a CD:Seeking a secure, guaranteed return on your cash? Now is an excellent opportunity to consider a CD.Concerned about possible interest rate reductions later this year? Locking in a CD can help protect your savings.Positive that you won’t need to touch your cash for a while? CDs are an ideal choice if you can commit your cash for the full term without needing access to it.Top-rated CDs come equipped with FDIC insurance, providing protection for deposits up to $250,000 per individual, per bank, in the event of a bank failure. While CD investments involve very little risk, you might find higher returns from alternative investments, like the stock market.How to open a CDWhen you’re ready, you can open a CD in just a few simple steps:Shop around to find the highest APY for the term you want.Read the fine print and make sure you can meet the minimum deposit, if there is one.Apply for a new account on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.Link an existing bank account to transfer funds to a new CD.Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today.Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:Pay out your initial deposit plus your earnings as cashReinvest your funds in a new CD with the same term (but potentially a different APY)Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.Earn up to 4.40% APY without giving up flexibilityIf you want to earn a high APY with more flexibility and less commitment, a high-yield savings account will allow you to deposit and withdraw money whenever you want and transfer money to other accounts quickly and easily. You can leave your money in the account as long as you want, with no time requirement.Unlike CDs, savings accounts have variable rates, meaning they can change any time at the issuer’s discretion. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice, depending on your savings goals.If you want to earn a competitive APY without losing access to your cash for a minimum of several months, check out our list of the best high-yield savings accounts.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

A person holding a bunch of dollar bills in front of their face

Image source: The Motley Fool/Unsplash

CD rates are hot at the moment, especially for periods of six to 14 months. Top rates hover between 4.50% and 4.65%.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

With the Fed likely to cut rates before the year is over, it’s smart to lock in a CD now. If you’re eyeing a solid deal, don’t wait too long.

Check out some of the best CD rates available now and secure a great return on your savings.

Bank APY Term Minimum Deposit
OMB 4.65% 7 Months $1,000
United Fidelity Bank 4.60% 10 Months $1,000
Brilliant Bank 4.55% 9 Months $1,000
Marcus by Goldman Sachs 4.50% 14 Months $500
United Fidelity Bank 4.50% 6 Months $1,000
Data source: Issuing banks. Rates are accurate as of April 16, 2025.

Why we chose these CDs

  • Extremely competitive rates. Some CDs have slightly higher rates, but most come with a catch.
  • Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.
  • Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.
  • Online convenience. All the CDs on our list can be opened and managed quickly and conveniently on the bank issuer’s website, from the comfort of home.

While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. Discover offers a solid alternative, with CDs that are budget friendly, easy to open, and are available in a huge variety of terms. If you value a smooth online experience and the recognition of a trusted digital bank, they’re worth a look. Explore Discover® Bank rates here.

Should you open a CD now?

If any of the following scenarios apply to you, it could be a great time to open a CD:

  • Seeking a secure, guaranteed return on your cash? Now is an excellent opportunity to consider a CD.
  • Concerned about possible interest rate reductions later this year? Locking in a CD can help protect your savings.
  • Positive that you won’t need to touch your cash for a while? CDs are an ideal choice if you can commit your cash for the full term without needing access to it.

Top-rated CDs come equipped with FDIC insurance, providing protection for deposits up to $250,000 per individual, per bank, in the event of a bank failure. While CD investments involve very little risk, you might find higher returns from alternative investments, like the stock market.

How to open a CD

When you’re ready, you can open a CD in just a few simple steps:

  1. Shop around to find the highest APY for the term you want.
  2. Read the fine print and make sure you can meet the minimum deposit, if there is one.
  3. Apply for a new account on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.
  4. Link an existing bank account to transfer funds to a new CD.

Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today.

Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:

  1. Pay out your initial deposit plus your earnings as cash
  2. Reinvest your funds in a new CD with the same term (but potentially a different APY)

Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.

Earn up to 4.40% APY without giving up flexibility

If you want to earn a high APY with more flexibility and less commitment, a high-yield savings account will allow you to deposit and withdraw money whenever you want and transfer money to other accounts quickly and easily. You can leave your money in the account as long as you want, with no time requirement.

Unlike CDs, savings accounts have variable rates, meaning they can change any time at the issuer’s discretion. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice, depending on your savings goals.

If you want to earn a competitive APY without losing access to your cash for a minimum of several months, check out our list of the best high-yield savings accounts.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.

“}]] Read More