There can be a number of benefits for families that rent homes. Prostock-studio / Shutterstock.com
Demand for single-family homes for rent is surging throughout the U.S. From increasing home prices making it harder than ever to get on the property ladder to the need for greater flexibility, there are plenty of reasons why this might be the case. As a result, more and more families are turning to detached single-family homes rather than condo rentals or purchasing a house outright.
These are the core reasons to seriously consider an overseas property investment. Krakenimages.com / Shutterstock.com
It’s been exactly one year since I took over as editor of Overseas Property Alert (OPA), and much has changed. The world isn’t the same place that it was 12 months ago. Despite this, I stand by one of the earliest statements I made as editor: Investing in property overseas is the smartest thing you can do with your money. Re-examining the fundamentals, here are the core reasons why this still…
The Federal Reserve has the power to make our lives better or more difficult. Steve Heap / Shutterstock.com
What is the Federal Reserve? You probably know the Fed is powerful. Its meetings are tracked carefully by investors and the news media. Its work can seem complex. You get that it deals with money, loads of it. And numbers: tons and tons of data. OK, impressive. But, otherwise, why should consumers care? Because, although the Federal Reserve doesn’t directly set consumer interest rates…
Discover the communities where retirement dollars can stretch to meet your budget. KOTOIMAGES / Shutterstock.com
Retiring somewhere that is affordable has always been important to those about to enter their golden years. But today’s rising cost of living has added new urgency to finding a place that offers cheap living during one’s post-work years. Recently, DepositAccounts crunched the numbers to find out how much it costs to live in various states during retirement. Cost of living was determined by…
Discover top Kirkland products for summer at Costco. Save big and enhance your season with these shopping deals. [[{“value”:”
Image source: Getty Images
June’s here, bringing with it those perfect long days that just scream for some sun-soaked fun. Whether you’re planning a family get together, hitting the trails, or just chilling in your backyard, Costco’s Kirkland Signature line is ready to make your summer smoother and more enjoyable. If you’re not yet familiar with it, let me introduce you to your new best friend at Costco.
Kirkland Signature is Costco’s own brand, born out of a desire to give members the best quality at the best price. Named after the original location of Costco’s headquarters in Kirkland, Washington, this brand spans various products, from pantry staples and clothes to the batteries that power your life. It’s like the secret ingredient to smart shopping — top-notch products without the hefty price tags that drain your checking account.
So, what should you toss into your giant Costco cart this June? Here are five Kirkland Signature products that stand out as the must-haves for this month.
Summer calls for comfort, and these performance shorts are just the wardrobe refresher you need. Whether you’re out for a morning jog or just lounging at home, these shorts, with their moisture-wicking fabric, will keep you cool and dry. Oh, and here’s a hot tip — if you pick up two, you’ll save $10. Now, if that isn’t a sweet deal, I don’t know what is.
We all know summer can turn schedules upside down, making quick and healthy snacks a lifesaver. These organic pouches, packed with tasty combos like Apple Strawberry Spinach and Apple Mango Yellow Carrot Peach, are great for grabbing on the go. At just $14.99 for a 24-pack (that’s just $0.62 per pouch), keeping your kid’s snack game strong has never been easier or more affordable. That’s less than half the cost of Amazon’s in-house brand pouches.
Planning to hit the golf course? These leather golf gloves are a game changer. Made with premium Cabretta leather, they offer unbeatable grip and moisture resistance, ensuring you play your best from the first hole to the last. Plus, they stay super soft round after round. It’s quality you’d expect at a price ($29.99) that’s pleasantly surprising.
Nothing says summer like s’mores, and these caramel s’mores clusters take the traditional campfire treat to a new level. Combining gooey marshmallows, rich chocolate, and a hint of caramel, these clusters are a perfect sweet snack for any family movie night or as a dessert at your next barbecue. Their unique twist on a classic favorite makes them a fun and irresistible snack for all ages without the mess. And they’re only $11.99.
Perfect for those quick summer meals or backyard get togethers, these chicken breast chunks offer convenience without sacrificing taste. The light breading provides just the right amount of crunch, making them ideal for dipping into your favorite sauces or tossing atop a fresh salad. Their versatility and ease of preparation make them a must-have during the busy summer months when you want to spend less time cooking and more time enjoying the outdoors.
Whether it’s simplifying your snacks, upgrading your activewear, or ensuring your outdoor events go off without a hitch, these top picks will make your season both effortless and memorable. Happy Costco shopping, and here’s to a great start to the summer.
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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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool has positions in and recommends Amazon, Apple, and Costco Wholesale. The Motley Fool has a disclosure policy.
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There’s currently a rare opportunity to buy short-term CDs at rates above what long-term CDs offer. Here’s why you should take advantage of it. [[{“value”:”
Image source: Getty Images
Something rare is going on with certificates of deposit right now. It’s been more than 35 years since the last time we saw this happen. Since it’s such an unusual occurrence, it might not happen again in your lifetime.
It’s not the current high yields that CDs are offering that are so unusual. Rates have been above 5.00% numerous times before, including right after the 2008 recession.
But there is something CDs are doing right now that they haven’t done for almost four decades — and they might not do it again for another generation.
For the last 35 years, there’s been one simple fact that has been true about investing in CDs. If you wanted the highest yields, you had to buy CDs with the longest terms. A 5-year CD has consistently, for decades, offered better yields than a 1-year CD and a 1-year CD has consistently offered better yields than a 6-month CD.
There’s an obvious reason for this. If you buy a CD with a longer term, you are agreeing to give up access to your money for a longer period of time. You are taking on more risk when you do this, both because you might need the money and not be able to access it without a penalty and because you’re stuck in the CD even if interest rates go up.
Banks need to pay consumers more to get them to agree to take on this added risk, so longer-term CDs come with a term premium.
Things changed in 2023, though. All of a sudden, shorter-term CDs began to offer higher yields. This phenomenon is called an inverted yield curve. It likely occurred because rates had climbed so much due to the Federal Reserve’s efforts to fight inflation after the pandemic that rate cuts began to seem inevitable once inflation began to show signs of cooling.
The Federal Reserve has repeatedly indicated that it will cut rates as soon as inflation reaches a sustainable level. While it’s still above the Fed’s 2.00% target, it’s moving in the right direction, topping out at 3.5% or under so far this year, compared with 4.1% in 2023 and 8.0% in 2022.
With rate cuts seemingly inevitable, banks don’t want to offer to pay today’s record-high yields for long periods of time. That’s why you can get a much better rate on those short-term CDs now, while the yields on 5-year CDs are much less impressive (although they’re still very high by historical standards).
You may not see an inverted yield curve like this again, as this hasn’t happened since 1989 and it took very unusual conditions, including a global pandemic and record-high inflation resulting in part from billions in stimulus funds. Those conditions likely (hopefully) won’t come around again anytime soon.
That means you have a once-in-a-generation opportunity to buy short-term CDs, make a very small time commitment, and earn amazing rates. You shouldn’t miss that chance. Check out the rates on short-term CDs (start with The Ascent’s guide to the best 1-year CD rates) to see what’s out there and, if you have money you won’t need for a while, seriously consider buying a CD today.
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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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.
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