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4 smart savings moves to make this September
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Higher-rates on short-term CDs, prolonged periods of high-yield savings account interest rates and other increases in a high-rate environment have offered savers multiple options for maximizing their returns recently.
However, today’s advantageous rates may decrease later in September if the Federal Reserve follows through with anticipated interest rate cuts. Typically, when the Federal Reserve increases or decreases rates, other financial institutions follow suit.
As the economy prepares for yet another shift, we spoke to three financial experts who’ve identified four ways you can make the most of your savings to support your future goals.
Start by seeing how much more you could be earning with a high-yield savings account here.
4 smart savings moves to make this September
Depending on your financial situation, one or more of these savings strategies can help you maximize your returns:
Keep funds liquid for homebuying
With the anticipated Federal Reserve rate cuts in September, mortgage interest rates may drop again. Many prospective homebuyers will take advantage of these rates. Others, however, cannot immediately afford a mortgage with current home prices.
Nick Strain, a senior wealth advisor at Halbert Hargrove, recommends that future homebuyers keep their funds liquid, yet growing, with a high-yield savings account or a high-yield money market account instead of CDs.
“I suggest this strategy instead of buying 3- or 6-month CDs or Treasuries,” he says. “Currently, an investor typically won’t earn much more in these accounts than in a high-yield savings account.”
Alternatively, another option for prospective homebuyers who want to increase their opportunities for long term savings without tying up all of their funds is to split your funds between a CD and a high-yield savings account.
Learn more about your CD and savings options here now.
Maximize 401(k), IRA and Roth IRA contributions
One challenge adults may face when planning for their financial future is identifying how to make the most of their limited income. Thankfully, even small amounts of money can work in your favor over time.
“Maximizing contributions should be your first step,” says Vanessa N. Martinez, CEO and managing partner of Expressive Wealth, who suggests contributing to your 401(k) plan initially, before contributing to your IRA or Roth IRA.
“Not all retirement savings needs to be in a retirement account; building a brokerage account where you can set up automatic deposits to dollar cost average into the market is a great idea,” she says.
Invest in savings options for young children
As more parents support their older children as they endure economic hardship, parents of younger children may be curious about the most effective way to save for their child’s future. Martinez mentions that there are multiple ways to grow a young child’s savings account. The three that her clients tend to choose are:
- 529 plans: These are savings accounts intended for future education costs.
- Roth IRAs: These are individual retirement account in which you pay taxes on contributions.
- Gift trusts: These are trusts designed to transfer wealth between generations while reducing the need to pay tax on amounts or values that exceed the annual gift tax exclusion.
Manage inheritance slowly and methodically
No matter the value, any sum of money has the potential to help you reach your financial goals, but inheritance can help.
Senior wealth advisor at Aline Wealth, Michele Pasqualina, encourages inheritors to first recognize their initial financial goals and consider how an inheritance might change them. She suggests:
- Defining short, medium, and long term financial goals.
- Working with financial advisors, accountants, and attorneys develop savings strategies.
- Paying off interest-bearing debt and max-out retirement contributions.
- Investing in tax-free or tax-preferred options that maximize returns with minimum tax expenses.
The bottom line
Money saving strategies can only assist you in achieving your financial goals when used responsibly. The experts we’ve spoken to highlight a fact all savers must understand: there is no one-size-fits-all approach to growing your savings account.
Whether your current financial needs are best suited to a high-yield savings account or if a CD is a better long term investment, compare the best savings account options this September to see which rates you qualify for.
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How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
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The Minnesota Vikings will take on the Chicago Bears today. The Vikings are currently 8-2, an impressive run so far this season, and will be looking to add a fourth win to their current streak after last Sunday’s 23-13 win against the Tennessee Titans. The Bears, on the other hand, are entering this game on the heels of a four-game losing streak after a tough 20-19 loss against the Green Bay Packers last Sunday.
Here’s how and when you can watch the Vikings vs. Bears game today, whether or not you have cable.
How and when to watch the Minnesota Vikings vs. Chicago Bears
The Vikings vs. Bears game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (11:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Minnesota Vikings vs. Chicago Bears game without cable
You can watch this week’s NFL game on Fox via several streaming services. All you need is an internet connection and one of the top options outlined below.
Fubo offers you an easy, user-friendly way to watch NFL games on CBS, Fox, NBC, ABC, ESPN, and NFL Network, plus NCAA football channels. The Pro tier includes 200+ channels and unlimited DVR, while the Elite with Sports Plus tier adds NFL RedZone and 4K resolution. New subscribers get a seven-day free trial and all plans allow streaming on up to 10 screens simultaneously.
You can watch today’s game with a subscription to Sling’s Orange + Blue tier, which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
Watching NFL games, including Fox broadcasts, is simple with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
Want to watch today’s game live on your smartphone? If so, NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
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How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more
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The Detroit Lions will face off against the Indianapolis Colts today. The Lions enter this game as top contenders with a near-perfect record of 9-1 so far this season. The Colts, who are 5-6 this season, could have a tough game on their hands against the Lions but will be looking to rack up another win after prevailing over the New York Jets in a tight game last Sunday.
Here’s how and when you can watch the Colts vs. Lions game today, whether or not you have cable.
Here’s how and when to watch the Detroit Lions vs. Indianapolis Colts
The Lions vs. Colts game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (11:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Detroit Lions vs. Indianapolis Colts game without cable
You can watch this week’s NFL game on Fox via several streaming services. All you need is an internet connection and one of the top options outlined below.
Experience NFL action like never before with Fubo’s comprehensive sports streaming platform. From Sunday showdowns to primetime matchups, catch every NFL game across major networks including CBS, Fox, NBC, ABC, ESPN and NFL Network. Choose the Pro package to unlock 200+ channels and limitless DVR storage, or elevate your game-day experience with the Elite with Sports Plus package, featuring NFL RedZone’s commercial-free scoring highlights and stunning 4K quality.
Test drive the service with a no-commitment seven-day free trial, and share the excitement with family and friends — Fubo supports simultaneous streaming on up to 10 devices, so everyone can watch their favorite teams.
You can watch today’s game with a subscription to Sling’s Orange + Blue tier, which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games, and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
Watching NFL games, including Fox broadcasts, is simple with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
Want to watch today’s game live on your smartphone? If so, NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
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How to watch the New England Patriots vs. Miami Dolphins NFL game today: Livestream options, more
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The New England Patriots will face off against the Miami Dolphins in a game today at the Hard Rock Stadium in Miami. The Patriots have had an uneven season so far, coming into the game with a record of 3-8, including a 28-22 loss to the Los Angeles Rams on November 17. The Dolphins, however, haven’t fared much better this season as they enter the game with a record of 4-6, although they are coming off two wins in a row, the latest against the Las Vegas Raiders last weekend.
Keep reading to find out how and when to watch the New England Patriots vs. Miami Dolphins game today, even without cable.
CBS, Paramount+ and CBS Essentials are all subsidiaries of Paramount Global.
How and when to watch the New England Patriots vs. Miami Dolphins game today
The New England Patriots vs. Miami Dolphins game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The football game will be shown on CBS and streamed on Paramount+ and the platforms noted below.
How and when to watch the New England Patriots vs. Miami Dolphins game without cable
While CBS is available with many basic cable packages, you’ll have other viewing options, too for the Patriots-Dolphins game. Just understand that the below streaming options will require the use of an internet provider:
Paramount+: Watch CBS-aired NFL games without cable
With Paramount+ you’ll have multiple viewing options to choose from. You can catch NFL games on the Paramount+ Essential tier for just $7.99 each month or you can watch college football with a Paramount+ with Showtime subscription for $12.99 monthly. In addition to live streams of NFL games airing on CBS, you’ll get to watch additional live sporting events including NCAA college football, PGA Tour golf, soccer and more.
Get started with Paramount+ here today.
Amazon Prime Video: Add Paramount+ to your existing subscription
Already have an Amazon Prime Video account? Simply add Paramount+ to your current subscription to watch all the CBS-aired NFL games in addition to Paramount+ originals. The same prices from above apply, depending on which tier you choose. Not sure which is best for you? Don’t worry. Both options come with a free seven-day trial that can help you decide.
Watch the Patriots-Dolphins game on Amazon Prime Video.
Fubo: Watch the Patriots-Dolphins game for free
Looking for an inexpensive way to watch football? Fubo could be the best way to do so. The live TV streamer is currently offering a seven-day free trial and $30 off of your first month’s subscription. Once subscribed, you’ll gain access to all of their live sporting events immediately. And there will be a lot to choose from. Not only does Fubo come with access to NFL games airing on your local CBS channel, it also includes Fox Sunday NFC games, “Sunday Night Football” on NBC, “Monday Night Football” on ABC and ESPN and all of the games that air on the NFL Network. So don’t wait.
Get started with Fubo online now.
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more
How to watch the New England Patriots vs. Miami Dolphins NFL game today: Livestream options, more
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more