5 common mistakes to avoid while opening a CD

5 common mistakes to avoid while opening a CD
A certificate of Deposit or CD is a type of savings account option that many explore for financial security. CDs are known for their guaranteed and stable returns, making them a great investment for those who want to play it safe. Banks and credit unions offer them for a specified maturity period at interest rates. However, one can make some rookie mistakes when dabbling in such an investment. One can avoid these pitfalls while opening a CD. Opening fee-based account Banks often need one to have a checking account before applying for a CD. However, these banks also have a cost associated with opening a checking account. According to statistics from 2022, the national average return rate of CDs ranges from 0.03% to 0.39%. However, CD rates keep changing, and some banks are providing even 5% APY as of October 2023. A fee-based account can reduce the returns extensively. For instance, if one takes the national average return rate, say Chase Total Checking, which charges a monthly fee of $12, one may end up paying more in fees than one might earn in returns. To avoid this, ask the representative of the bank if there is a minimum deposit requirement that can help you waive the fee.

6 popular trucks that are safe for families

6 popular trucks that are safe for families
Trucks are widely known for their tough exterior and are mostly used for hauling and towing heavy cargo. However, many manufacturers have started designing trucks that are reliable, comfortable, and safe for families. These trucks also have top-rated safety features, making them perfect for daily commutes, family road trips, or hauling goods. With their family-friendly attributes, these trucks have become an excellent choice for families who desire a vehicle that meets their overall needs. Chevrolet Silverado 1500 The 2023 Silverado 1500 is a crew cab pickup truck that has achieved one of the highest overall safety ratings from the National Highway Traffic Safety Administration (NHTSA). It has received top ratings for various safety tests, including side-impact, front-impact, and rollover tests. As a result, it has become a popular choice for families looking for a safe truck. The Silverado 1500 comes with several standard safety features, such as active driver assist, automatic emergency braking, a lane-keeping system, and automatic high beams. Prices for this Chevrolet pickup truck start from around $30,400 and can go up to $45,600, depending on the trim level. Ford F-150 The Ford F-150 is a family-friendly truck that is well-known for its robust safety features. Its popular variants – the Crew (SuperCrew) and extended Cab (SuperCab) – have received good ratings in crash tests.

8 mistakes to avoid when buying an SUV

8 mistakes to avoid when buying an SUV
Nowadays, many people prefer using SUVs even to commute locally because these cars are sturdy and powerful. Also, modern SUVs are loaded with navigation and safety features, which help drivers maneuver their way through traffic and rough roads effortlessly. But buying an SUV is a big decision, so one needs to consider many different aspects while zeroing in on a brand, model, and trim. So, here are some mistakes to avoid when buying an SUV: Overlooking size requirements Size requirements may differ based on factors such as family size and how frequently one travels (to evaluate cargo space requirements). Compact SUVs accommodate only three to four passengers, while the midsize ones can easily accommodate up to seven passengers. Large-sized ones, on the other hand, have space for even more people. Compact SUVs are the most economical option for people with small families who do not travel much. However, those with larger families or more need for cargo space may need to consider midsize or large SUVs. Not setting a definite budget range There are many SUVs with cutting-edge features, so it may be tempting to go over budget and buy a car that one doesn’t require. For this reason, it is essential to set a definite budget range and stick to it so that one isn’t tempted to buy a car whose price exceeds this range.

8 common payroll mistakes to avoid

8 common payroll mistakes to avoid
Payroll is a finance-related business process that calculates and disburses employee salaries and benefits. To run a business successfully and keep its workforce motivated, companies should prioritize accurate and timely payroll processing. However, payroll management is a complicated task with many layers of guidelines, and it is constantly upgraded based on the company’s needs. Making mistakes in this aspect can not only cost resources and add-on finances to the company but also create a sense of distrust amongst the workforce. Common payroll mistakes to avoid With due diligence, companies can avoid several oversights. Some common errors include the following: Not tracking working and overtime hours It’s important for all businesses to note down the working and overtime hours of the employees not just for calculating payments but also to access productivity and efficiency for long-term business success. These issues are especially prominent when an employee travels for work or must participate in tasks outside the work hours or office premises. It’s best to automate this process using systems like biometrics to simply the payroll management tasks. Sending incorrect W-2s A W-2 is an important payroll document that enlists all crucial information related to the employee’s salaries, their benefits, taxable income, 401k, and other financial details.

5 trustworthy brands to shop for lab-grown diamonds

5 trustworthy brands to shop for lab-grown diamonds
When looking for diamond jewelry, things can quickly get overwhelming. Right from everyday jewelry to special rings and bands, purchasing a diamond piece is an investment. However, there is an option that will give buyers similar results but with a lower price point. Individuals might not immediately consider buying lab-grown diamonds, but it is a thought that needs attention. One will be paying less and have similar products, while also being sustainable. 5 places to shop for the best lab-grown diamonds Grown Brilliance Grown Brilliance exclusively works with lab-grown diamonds and has some of the best jewelry to offer. Its customers can decide to invest in a solo diamond or put together fine jewelry of their dreams. They can shop for diamonds based on clarity, cut, carats, shape, or size of the stone. The brand also has ready-to-ship jewelry pieces, right from everyday accessories to bands for engagements and weddings. Grown Brilliance is committed to its ethics and delivering quality products. When buying loose lab-grown diamonds from Grown Brilliance, individuals also receive certificates of authenticity from some of the most reputable organizations like GIA or IGI. Individuals can make the most of their Design Your Ring program. Additionally, they can enjoy benefits like a lifetime warranty and free shipping and returns.

5 crossover SUVs with amazing safety features

5 crossover SUVs with amazing safety features
A sports utility vehicle (SUV) is built on a truck chassis, while a crossover SUV is built on a car platform and is considerably lighter. Also, the body and frame of crossover SUVs are built in a single piece. Both are known for their exceptional safety, with features that prevent crashes. If you are looking to bring home a new crossover SUV, here are the top five options to consider: Nissan Rogue Nissan Rogue now has a new and more powerful 201 horsepower engine and an FWD drive train. The car’s 1.5-liter inline three-cylinder engine provides an MPG of 30 in the city and 37 on the highway. It is a five-seater compact crossover SUV, available in nine trims with a base price starting from $27,150. Like most cars in the segment, it has a blind spot warning system that identifies a vehicle in a blind spot and flashes a light to alert you. A rear cross-traffic alert system warns you if a car will cross while reversing. In addition, the automatic rear braking system senses when a collision is imminent due to rear-cross traffic, alerts you, and applies the brake. The Nissan Rogue has a four-star rating from the National Highway Transportation Safety Administration (NHTSA) and a “good” rating from the Insurance Institute for Highway Safety (IIHS) for three of the five parameters.

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6 Safest SUVs to Consider Buying in 2023

6 Safest SUVs to Consider Buying in 2023

Are you looking for a safe, reliable SUV for your family? Look no further. Some of the best SUVs for 2023 come with advanced technology, superior driver assistance features, and safety equipment. They can protect the driver and occupants in a collision and lower the impact of the crash. From luxury to budget-friendly options, there is something for everyone. So here are the safest SUVs you can find this year: Dodge Hornet The 2023 Dodge Hornet is a compact crossover SUV that prioritizes safety and reliability. The Hornet has advanced safety features such as forward collision warning, blind spot monitoring, rear cross-traffic alert, lane keep assist, and adaptive cruise control. The interior of the Hornet has premium materials and plenty of space for passengers and cargo. You also get an 8-inch touchscreen infotainment system compatible with Apple CarPlay and Android Auto. The Hornet is powered by a turbocharged 2.0-liter 268-hp engine and a six-speed automatic transmission. The SUV strikes a balance between power and efficiency and delivers good performance. You can look up “Local Dodge dealers near me” and find dealerships that sell the Hornet. You will be able to find great deals on new and used models at a local dealership.
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Top 7 beauty and fashion trends

Top 7 beauty and fashion trends

Fashion trends are dynamic and go through constant change and innovation. While some styles have remained timeless for decades, some trends fail to impress and disappear without making an impact. The approach to beauty today focuses on sustainability, minimalism, inclusion, and no cruelty. The trends in beauty and fashion quite naturally follow similar lines. Based on these factors, some of the top beauty and fashion trends in the coming year are as follows: Skincare The buzzword in the last couple of years has been minimalism, especially for skin care. Women prefer to use lesser products for their skincare routines. Utilizing a bevy of cosmetics for everyday skin nourishment and enhancement is time-consuming, overwhelming, and may affect the skin negatively. Skincare trends focus on improving skin health and reducing the negative impact of long-term use of skin-related products. This move hopes to reduce the overuse of skincare and control the damage caused by chemical products. Microbiome skincare is a new trend, featuring prebiotic and probiotic components that nourish the skin. Hybrid beauty Hybrid cosmetics combine multiple active ingredients that now work both as skin care products and as cosmetics. It reduces the time one spends on beauty routine and the number of products one needs to buy, saving money, effort, and time.
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