Find out which banks are offering the top rates. Money market accounts (MMAs) can be a great place to store your cash if you're looking for a relatively high interest rate along with liquidity and flexibility. Unlike traditional savings accounts, MMAs typically offer better returns, and they may also provide check-writing privileges and debit card access. This makes these accounts ideal for holding long-term savings that you want to grow over time, but can still access when needed for certain purchases or ...

Core Insights - The Federal Reserve has cut the federal funds rate three times in 2024, leading to a decline in deposit account rates, making it crucial for savers to seek high-yield savings accounts to maximize interest earnings [1][5] - High-yield savings accounts can offer interest rates as high as 4% APY or more, significantly above the national average [2][3] - The national average savings account rate is currently at 0.39%, while 1-year CDs average 1.76%, indicating a disparity between average rates and top offers [5] Group 1: Savings Account Rates - High-yield savings accounts generally provide better interest rates than traditional savings accounts, with the highest rate available from partners being 4.30% APY as of September 15, 2025 [3] - Most competitive savings rates are offered by online banks due to their lower overhead costs, allowing them to provide higher rates and lower fees [4] Group 2: Factors in Choosing Savings Accounts - When selecting a savings account, it is essential to compare rates and consider factors such as minimum balance requirements, customer service, ATM access, and digital banking tools [6][7] - Ensuring that the savings account is insured by the FDIC or NCUA is critical for protecting deposits in case of institutional failure [7]

Market Outlook - Crypto market anticipates potential volatility around the upcoming interest rate decisions on September 17 [1] - Industry observers speculate on whether the crypto market will experience a pump or dump [1] External Resources - Further information and analysis can be found at the provided URL [1]

Market Trends - Gold prices remained stable after experiencing the largest gain in two months on Friday [1] - Market participants are analyzing weak jobs data to understand its impact on the US economy [1] - The Federal Reserve's interest rate policy is a key factor influencing gold market sentiment [1]

Monetary Policy Stance - The Fed decided to preserve flexibility amidst risks of both economic downturn and inflationary pressures from tariffs and economic strength [1] - The Fed's prudent action was to avoid excessive moves that could sacrifice credibility, as reversing such errors would be difficult [4] - A prior rate cut of 50 basis points led to a 75 basis point increase in the ten-year rate, impacting mortgage rates [2] - The market will reflect substantial economic weakness in rates, reducing the urgent need for rate cuts [8] Interest Rate Debate - There is debate regarding whether to have a 25 basis point rate cut in July, or two or three rate cuts this year [4] - The industry questions the merit of cutting rates to the 1% range, deeming it a dangerous idea given the current market and economic strength [4] - Dissenters within the Fed, appointed by different individuals, may see underlying economic weakness requiring preemptive action [6][7] Economic Outlook - The economy faces risks of a downturn, but if such an error is made, it is easily correctable [1][3] - Sacrificing credibility by moving excessively would be a much more damaging and difficult to reverse error [4]

Inflation & Monetary Policy - Inflation initially hovered around 3% at the start of the year, then fell to approximately 12%-2% in April, and is now near the Federal Reserve's target of 2%, representing a roughly 33% decrease since the beginning of the year [3] - The US has the largest gap between the City Inflation Surprise Index 3 months ago and today, indicating a positive surprise for the economy [4] - The US government has increased the national debt by approximately $500 billion since the debt ceiling was lifted in early July [6] - The consensus on Wall Street is that Jerome Powell will not change interest rates at the current Federal Reserve meeting, but a surprise rate cut could significantly boost stocks, Bitcoin, and gold [12] Technology & Innovation - Loom has introduced a robotic lamp that can perform chores, showcasing the potential for robots to integrate into everyday household items [14][15] - Shortcut demoed an AI Excel agent that reportedly outperforms first-year analysts from McKinsey and Goldman Sachs 89% of the time [16] - An AI Excel agent can build a multi-tab DCF model with assumptions, drivers, a Monte Carlo simulation, comps analysis, sensitivity tables, and a final dashboard in about 10 minutes [17] Billionaires & Problem Solving - Jensen Huang claims to have created more billionaires on his management team than any other CEO [20] - The success of billionaires like Jeff Bezos, Elon Musk, and Jensen Huang is attributed to their ability to solve significant problems in society [24][25] - The industry needs more billionaires who are problem solvers to drive progress and improve lives [26] Societal Issues - A shooting in Midtown Manhattan resulted in four deaths, highlighting the issue of violence in society [27] - The NYPD's response to the shooting was commendable, as officers ran towards the gunfire to neutralize the threat and protect civilians [28][29] - A Blackstone employee's quick thinking and leadership in barricading the office during the shooting is considered heroic [30]

When you again talk to people about how to handle not just maybe necessarily student debt but overall debt in an environment like this, what's the advice. >> I always say use the rule of seven. I actually encourage folks to rank their debt from highest to lowest interest rate.And you're going to make the minimum payment across everything just to ensure that you don't, you know, fall into the default zone. But really prioritize paying down the debts that have over like 7% or over in terms of an interest rate ...

I sat down with @WClementeIII and @0xbenharvey to discuss bitcoin treasury companies, including premiums, capital sources, debt levels, and bitcoin-per-share growth.Enjoy!TIMESTAMPS:0:00 - Intro1:12 - ‘Bitcoin treasuries uncovered’ takeaways8:06 - Strategy’s bitcoin per share has grown 11x11:27 - Altcoin vs bitcoin treasure companies18:38 - Capital that is flowing into bitcoin treasure companies20:49 - How to evaluate the performance of bitcoin treasure companies24:04 - Current macro backdrop and market out ...

Core Insights - Goldman Sachs has experienced strategic gains and challenges in 2025, showing resilience in a complex macroeconomic environment with moderate stock gains year to date [1] Group 1: Financial Performance - In Q1 2025, Goldman Sachs reported earnings of $14.12 per share, exceeding the Zacks Consensus Estimate of $12.71, and up from $11.58 per share a year ago [3] - The company achieved revenues of $15.06 billion for the quarter, surpassing the Zacks Consensus Estimate of $15.02 billion, and compared to $14.21 billion in the previous year [3] - Goldman Sachs has consistently topped revenue estimates in each of the last four quarters [3] Group 2: Business Segments - The rebound in dealmaking activity has positively impacted Goldman Sachs, with increased advisory services and equity underwriting revenues due to improving corporate confidence and interest rate expectations [2] - Asset and wealth management have remained strong, with assets under supervision growing due to inflows into alternative investments [2][8] - The trading division has faced volatility, with fixed income revenues steady but equities trading struggling due to low market volumes [4] Group 3: Stress Test Performance - In the 2025 Fed stress test, Goldman Sachs was a standout performer, projected to lose only around $300 million under a severely adverse scenario, contrasting sharply with an estimated $18 billion loss in the 2024 stress test [5][8] Group 4: Market Position - Year to date, Goldman Sachs has grown 25%, outperforming its Zacks Peer Group, which advanced by 15.9% [6] - Competitors Citigroup and Wells Fargo have shown growth of 23.3% and 17.3%, respectively, both carrying a Zacks Rank of 3 [6]

Investment Rating - The report suggests a modest impact on corporate earnings and cash flows from the budget reconciliation bill, estimating a boost of around 5% for the S&P 500 in the next year [1][2]. Core Insights - The budget reconciliation bill is expected to have only a modest effect on the US fiscal balance and corporate earnings, with potential earnings boosts diminishing in subsequent years [1][2]. - The ECB is anticipated to cut rates by 25 basis points, with growth forecasts remaining unchanged at 0.9% for this year and a slight decline for next year [11]. - The report highlights the potential for renewed interest in European equities due to the Section 899 provision of the reconciliation bill, which may create uncertainty for US investments [2][5]. Fiscal Policy Focus - The budget reconciliation bill is projected to have limited effects on migration and economic activity, particularly for high-earning households [5]. - Fiscal policy in China is expected to support growth, with an estimated boost of 1.1 percentage points to real GDP growth this year [6]. ECB Projections - The ECB's growth forecast for this year is expected to remain at 0.9%, with a slight decline in next year's forecast [11]. - Inflation projections are likely to be downgraded, with headline and core inflation expected to decline to 1.7% and 1.8% respectively for next year [11]. US Jobs Report - The report estimates a below-consensus increase of 110,000 in nonfarm payrolls for May, with an unchanged unemployment rate of 4.2% [16]. - Average hourly earnings are forecasted to increase by 0.3% month-over-month [16]. Steel and Aluminum Tariffs - The doubling of US steel and aluminum tariffs to 50% is expected to negatively impact US steel demand from the manufacturing sector [16]. - There is a potential risk of tariffs being imposed on copper imports, which is currently underpriced in the market [16].