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Where to Park Short-Term Cash After the Rate Shift — Best Savings & Money Market Accounts Right Now
With the Federal Reserve having made its first rate cut in 2025, savers seeking liquidity and reasonable returns are asking: where should you place your short-term cash to maximize yield while maintaining safety and flexibility? In this article, we review current high-yield savings and money market accounts, tools to compare them, and strategies to protect your purchasing power in a shifting interest-rate environment.
Pension Reforms in Poland 2025: What They Mean for Your Retirement Savings
In 2025, Poland introduced several notable changes to its pension system: the cap on social security contribution bases has been raised; “recalculation” (reajustement) of pensions under ERPO is now more accessible; minimum pensions and social assistance thresholds have been updated. For individuals planning retirement or relying on pension income, these shifts can impact both future benefits and decisions about when and how to claim pensions.
Teen Financial Literacy: Preparing the Next Generation for Economic Challenges
Financial education among teenagers is increasingly recognized as vital. Experts warn that without early knowledge of budgeting, credit, and savings, young adults may face long-term financial struggles. Schools and parents are exploring practical ways to equip teens with real-world skills.
Credit Card Debt Climbs as Inflation Pressures Household Budgets
Rising grocery and housing costs are driving more Americans to rely on credit cards. Experts warn that mounting balances, combined with high interest rates, could put households in financial jeopardy.
Buy Now, Pay Later: Popular Financing Tool Poses Hidden Risks for Young Shoppers
Once marketed as a convenient way to split payments, Buy Now, Pay Later (BNPL) services have exploded in popularity among young consumers. Yet regulators and experts warn the model could fuel debt, harm credit health, and demand stricter oversight.
Many Americans Struggle Without Adequate Emergency Savings
A recent survey shows that fewer than half of U.S. households have enough money set aside to cover at least three months of expenses, leaving millions financially exposed in case of job loss, medical bills, or unexpected crises.
Eight Legal Ways Self-Employed Workers Can Reduce Their Tax Bill
Being self-employed comes with tax responsibilities, but there are several legal strategies to minimize your tax liability while staying compliant with UK law.
Would You Delay Retirement to Help Your Children Through University?
A new UK study finds that one in three parents is willing to postpone retirement to support their children financially during university, often at significant cost to their own long-term savings.
Cash or Mortgage? How to Decide the Best Way to Buy a Home
Buying a property is one of life’s biggest financial decisions. Should you pay in full or rely on a mortgage? Each option has benefits and trade-offs depending on your age, stability, and risk appetite.
How Many People Actually Stick to a Budget? The Answer May Surprise You
While most people acknowledge the importance of budgeting, only a small fraction actively follow a structured plan. This article explores why, what research shows, and practical strategies to stay on track.