A detailed guide to finding the best CD rates

In simple terms, “CD rate” is defined as the interest percent yield on a certificate of deposit. Essentially a Certificate of Deposit is a savings deposit for a fixed period of which interest is earned by the bearer. A Certificate of Deposit (CD) is offered by any bank where you have opened a savings account. The fixed period can be a short or long term, and you will face a penalty if you withdraw your money before the term expires. The CD rate offered by a bank decides what you will yield from your CD investment. Follow this easy step-by-step guide to get the best CD rates.

Step 1: Use comparison websites such as Bankrate or Nerd Wallet to get the best CD rates. Online banks tend to offer competitive CD rates as they have lesser overhead costs as compared to traditional financial institutions.

Step 2: Invest for longer terms as long-term CDs tend to have higher interest rates. However, this also means that you cannot withdraw your money for long periods of time.

Step 3. Consider CD laddering. By opening multiple long term CDs with at least one CD maturing every year, you will successfully receive higher yields and reduce the chances of paying withdrawal penalties.

Step 4: Keep an eye out for special deals. Banks to cut through competition may offer special CD rates. Don’t hesitate to ask the staff at your bank if they are running any offers.

Step 5: Look at other CD variations such as liquid and bump-up CDs. These may be riskier than traditional CDs, but they are ideal for time periods of rising rates. In the case of liquid CD, you will not have to pay the penalty if you withdraw your money before the term expires. However, you will have to cover up this cost with lower interest rates. In the case of a bump-up CD, you can switch to another CD with the same term but a better interest rate when your bank offers it. You can, however, make the switch only once.


  • Benefits and withdrawal rules of 401(k) plans
    What is an individual or a solo 401(k)? Also called as Uni-401(k) plan, an individual 401(k) plan is an Internal Revenue Code (Section 401) approved a qualified plan for retirement which is specifically designed for self-employed or sole-owned businesses. Similar to traditional IRAs, this plan offers cost-effective and tax-efficient investment options along with a few additional benefits. Although any business model which meets the criteria is eligible under this plan, it is most suitable for independent contractors, consultants, real estate agents etc. Initial funding for this plan can be done through rollover funds from traditional IRAs, SEP plans, previous 401(k) plans, profit sharing plans, defined benefit plans, 403(b) plans etc. by setting up new trust account or by transferring all the funds to the current custodian trust account. Benefits of an individual 401(k) plan: Taxes can be reduced on contributions and the earnings can grow by deferring the tax. Assets are tax-free until withdrawal at retirement. As the plans and agreements are customized by self, the administering requirements are fewer and simple compared to that of traditional plans. No complications of filing a Form 5500 unlike the traditional 401(k) plans to be IRS compliant until the plan reaches $250000. Unlike the traditional 401(k) plan, there is no vesting schedule for the business as one would be vested immediately. Additional tax deferrals can be made by representing the spouse of self and spouse of partner(s) as part of the business. Funding can be a combination of salary deferrals and annual profit sharing contributions. A participant can control the way investments are made and not necessarily be an annual contribution. It allows an individual to borrow tax-free loans from the retirement funds based on certain terms and conditions. Rules for withdrawing from the plan: An individual should either end the employment or retire to be able to make any withdrawals. A penalty of 10% will be levied for withdrawals made before the age of 59.5. All distributions other than RMDs, hardship withdrawals, and direct rollovers will be subjected to a 20% federal tax withholding. One must start to take an annual RMD from the age of 70.5 if he/she owns 5% share in a business. Failing which, a penalty of 50% on the total distribution will be applicable. The contribution is limited to $54000 ($60000 for those above 60 years of age) for the tax year 2017. An annual IRS form 5500 is required to be filed when the assets become equal or greater than $250000. Funding deadlines: For Solo 401(k) plan establishment- 31st December or end of FY, whichever is earliest. For salary deferrals- End of the business tax year. For profit-sharing contributions- Tax filing date of the business (Any extensions will be added).
  • Adorn your kitchen with Top knobs’ cabinet knobs
    Interlacing traditional skill and creativity and state-of-the-art production techniques, skilled craftsmen at Top Knobs manufacture practical, delicate, stylish cabinet knobs and pulls for your kitchen. Their products visually appear and also give us the impression that the attention to detail is well taken care of. Irrespective of whether Top Knobs produces custom-made pieces for a specific kitchen or whether the Top Knobs cabinet knobs and pulls are made in substantial quantities for a large wholesaler, their ability to achieve thoroughness and finesse in every single piece is unbelievable. This top manufacturer of decorative kitchen hardware, with the industry's most wide ranging variety of cabinet knobs and pulls, ensures their products are of exceptional quality. These are created with care, to suit a wide diversity of tastes and styles, in both traditional and modern designs. Gifted artisans and proficient creative designers ensure Top Knobs' knobs have the quality of tailor made furnishings at affordable, cost effective prices. Top Knobs cabinet knobs and pulls come in a variety of finishes - brushed satin nickel, antique finish, copper, polished chrome, oil rubbed bronze, pewter antique, or polished nickel, about 26 in all! You only have to imagine it in your head, and that exact image will be delivered to your kitchen to enjoy and use. Their finely detailed designs match any kitchen style and arrangement. A sure leader in the hardware industry, Top Knobs also retails their complete selection of products through their online store - topknobsandpulls.com and whether you choose them well in advance or decide to do last-minute orders, they have the inventory to support it and take pride in ensuring their orders are delivered the same day or in the quickest dispatch possible. You could request samples for a small shipping fee and take advantage of their hassle-free returns and 100% refund within 30 days policies. Or better still, appreciate the remarkable service in their attractive showroom in Baltimore, Maryland, where you could see and physically feel all the Top Knobs products in person. The lifetime warranty that is offered demonstrates the high standards maintained in the quality, style, appearance and durability of all Top Knobs products. Exemplary, first quality materials, that are hand-finished, and individually inspected is the hallmark of Top Knobs. Be assured. Every penny you spend at Top Knobs is well worth it!
  • Causes and treatment of DVT
    DVT can happen at any age. However, it is most commonly found in people over 60 years of age. Blood clusters take shape when there are changes in the blood stream in the veins. The point where a coagulation severs and travels through the circulation system is called embolism. There are several causes of Deep Vein Thrombosis. Some of them are:
    • Fracture in legs or pelvis
    • Pregnancy
    • Obesity
    • Family history of blood clusters
    • Excessive number of platelets made by bone marrow
    • Having an in-dwelling catheter in a vein
    Blood will probably clump with if a person has the following issues:
    • Cigarette smoking
    • Immune system issues such as lupus
    • Cancer
    • Taking estrogen or conception prevention pills
    Sitting for long stretches when travelling can increase the possibility of this condition. The possible treatments for this include the following:
    • Vena cava filter: In this, blood typically goes through the filter. It goes in the vena cava, which takes blood from the lower body back to the heart. The filter gets blood clusters and prevents them from moving to those parts of your body where they can prove to be harmful. The filter is placed on an arm, leg, or neck vein and moves it into the belly vein. In such a procedure, radiologists use picture direction to put a channel in the IVC-inferior vena cava, the extensive vein in the mid-region that returns blood to the heart from the lower body. An IVC filter traps extensive cluster sections and keeps them from going through the vena cava vein to the lungs and heart and avoid medical complexities.
    • Venous thrombectomy: An extreme sort of this condition called phlegmasia cerulea dolens does not react well to different sorts of treatment. In many uncommon cases, you may need a cut in the deep vein clot. The doctor inserts a catheter sheath through a little cut in the vein underneath the knee or the femoral vein in the crotch. A contrast dye is infused through the catheter and venography is performed. This procedure permits the doctor to see using the X-ray screen which vein is to be dealt with.
    • Percutaneous mechanical thrombectomy: In this treatment, the doctor embeds an assisting wire through the catheter in the femoral vein and progresses it past the coagulation, and goes through the catheter to the area that is blocked by the clot. If performing surgical thrombectomy, the doctor incises a bigger entry point over the affected vein and removes the coagulation or the clot with a catheter. Either a high-speed liquid jet or a mechanical device is present at the tip of the catheter that separates the coagulation.
  • All about Choosing the Right Lawnmower
    Who doesn’t like a green, clean lawn? However, maintaining it requires a lot of time and patience. Be it your small garden or acres of lawn in your backyard, you will need an efficient mower to get the job done. Comfort, durability, and performance are the three basic features people look for in a lawnmower before getting it. If you are planning to check on a lawnmower sale, you should consider a few things such as ease of use and mulching. The most important thing to consider is the size of your garden or lawn. Based on that, you can either get a hand push or electric mower for a small garden or a motor based mower for large lawns. You also need to examine if you need a manual lawnmower that requires a lot of effort or a corded/cordless electric mower that tends to be more expensive. Visit online stores to find out the varieties of lawnmower sale deals available.

    Types of lawn mowers

    Manual reel mowers
    Manual or reel mowers work quite well within a small area where you have to push the mower manually, making it an environment-friendly lawnmower. These mowers do not require gas, electric cords or a battery to operate.
    Push mowers
    Push mowers are run by a motor or engine that supplies power while you push it forward to mow the lawn. More efficient than electric mowers, gas push mowers are a perfect choice for large lawns. Gas push mowers make a lot of noise and electric mowers are more expensive than gas ones.
    Self-propelled mowers
    For a yard that spans more than half an acre, a self-propelled mower is the right choice. With less effort, self-propelled mowers can cut thick or long grass. Electric self-propelled mowers are easier to use but consume too much of battery power.
    Electric push mowers
    Convenient to operate, electric push mowers are perfect for flat and larger lawns. Electric push mowers are available in two variants: cordless and corded. While corded mowers can work for an unlimited duration, the corded mower becomes a hurdle while mowing the lawn. Cordless mowers require charging for a longer time to provide better results.

    Best lawnmowers to buy from a lawnmower sale

    As the season begins with daffodils and grass cutting, upgrade your old lawnmower or buy a new one from an attractive lawnmower sale. We have detailed out the top lawnmowers to help you select the best one for your lawn. Shop for these lawnmowers that are on sale on sites such as Amazon, Sears, The Home Depot, eBay, and Tesco:
    Viking ME235
    Ideal for an average-sized garden, Viking is one of the smallest and lightest lawn mowers that even works well on long and damp grass. The corded machine is easy to operate and gives a pristine look to your garden.
    Husqvarna LC 141V Li Push Cordless Mower
    This lawnmower can seamlessly mow 400 square meters of your medium-sized garden in just one charge without creating any noise. This mower that works on variable speeds and swiftly navigates around complicated areas.
    Bosch Rotak 43 Li Cordless Lawnmower
    One of the easiest and effortless lawnmowers, the cordless Bosch mower delivers high performance while gliding over grass and cutting close to the edges. The battery-powered quiet lawnmower is lightweight and mows without any restrictions.
    McCullock 9671739-01 Self-propelled Lawnmower
    This is a petrol lawnmower with large wheels and comfortable handles to operate easily in a medium-sized garden. The powerful engine mulches the grass while you mow and collect it as you move forward, keeping your garden neat and elegant.
    Flymo EasiGlide 300V
    Easy to move around and store, this corded lawnmower works well on slopes, uneven ground, and tricky edges of a lawn. The lawnmower comes with a 20-liter grass box that collects cuttings and empties them in the attached vision window. https://www.theguardian.com/money/2014/apr/17/price-check-buying-lawnmower-guide https://www.consumerreports.org/cro/lawn-mowers/buying-guide/index.htm http://www.independent.co.uk/extras/indybest/house-garden/gardening/best-lawn-mowers-buy-wet-grass-stripes-small-large-garden-deals-reviews-9259685.html
  • 4 natural allergy relief remedies for kids
    Allergies often hit children unexpectedly. The child could have been suppressing it or has been recently exposed to allergens. Allergies result in constant coughing, wheezing, and breathing issues. Allergies aren't restricted to the immune system alone. There are also skin allergies in plenty out there. There are a few remedies that can help reduce the allergy. These won't completely cure them, but they will definitely provide a certain degree of relief. You can adopt certain measures that can help minimize or prevent it from happening again down the line. Check out some of the remedies that can help fight the allergens. Apple cider vinegar Take a tablespoon of apple cider vinegar, mix it with The Mother (a certain kind of bacteria), and water. Give this mixture to your child every day. This helps deal with heartburn and reduces mucous accumulation in the nasal passages. Apple cider vinegar even aids digestion and enhances the digestive system. It also has several other health benefits and even helps with weight loss. Himalayan salt saline rinse with the neti pot One of the most common side effects of an allergy is mucous formation. In that case, the neti pot and saline rinse therapy is a great way to free the nostrils from the allergens. Himalayan salt is filled with rich minerals. Take a boiled distilled water and mix with a teaspoon of Himalayan salt. Then put the mixture inside a neti pot. Empty the neti pot into one nostril and let the mixture drain out from the other nostril. This should help with most allergens and free up the nostrils. Local honey Scientific research has shown that consuming local raw, unrefined honey helps battle allergens. It also provides a layer of protection against various forms of environmental allergens. Honey acts as a natural cure for allergies. Give your kid a teaspoon of raw honey on a daily basis. It can help charge up their immune system. This is not only a cure for children. It works on adults too. Diet change The best medicine to fight against or prevent any disease is a strong diet. A well-balanced diet should be filled with fiber-rich foods, vegetables, dairy, and whole, organic foods. The diet can make a huge difference in lifestyle and health. Only through food, we get all the nutrients, vitamins and minerals we require. A healthy diet will include all the vital nutrients and help build a strong immune system. A good diet will prevent allergens and even help reverse conditions. These are few remedies that can be implemented at home to rid your child of the allergy. If there is no relief despite trying all these methods, it is best to consult a doctor and find the source of the allergy.
  • 3 luxury brands that have timeless watch pieces
    Watches are more than an accessory to keep time. For many, watches reflect their style and taste. One’s choice of a watch can represent their individuality and personality. Although there has been an evolution on the design and style of watches over the years, there have been some brands that have stood the test of time. These brands were coveted a long time back and are still considered a symbol of luxury. Here are three premium brands of watches that still continue to hold the highest place when it comes to luxury. Patek Philippe: Founded in 1851, this brand has been the preferred choice among the royals around the world including Prince Albert and Queen Victoria and famous personalities such as Paul McCartney, Brad Pitt, and Albert Einstein. The range of watches from Patek Phillipe combines traditional, understated, and classic looks with highly practical mechanics. The dials have intricate works comprising of star charts, perpetual calendars, and moon phases. Despite such complicated mechanisms embedded in them, the dials Patek Philippe watches are quite simplistic compared to those of other brands. Rolex: One of the most coveted and well-known brands of luxury watches, Rolex has enjoyed unprecedented popularity among famous personalities as well as common people. So much so that, the black market is filled with more Rolex watches than any other brand. Right from fictional characters such as James Bond to the king of rock n roll, Elvis Presley, nearly every well-known person in history has sported a Rolex in their lifetime. The original Rolex watches have a very high price tag that makes these watches a true luxury. The watches are crafted with cutting-edge designs and masterful mechanics. Originating in London, United Kingdom, Rolex has moved its headquarters to Geneva, Switzerland. Chopard: Founded by Louis-Ulysse Chopard, this brand originally used to manufacture pocket watches and women’s watches. Later, sports watches for men and diamond jewelry for women was included in their range of products. Chopard watches are known for their classic, sophisticated, and elaborate designs. One of their signature collections of watches has a free-floating diamond behind a sapphire glass. Hollywood celebrities such as Matthew McConaughey, Reese Witherspoon, and Jennifer Lawrence have been spotted wearing Chopard watches.