If there's one thing I've learned in over 30 years of investing, including 28 on Wall Street's sell side, it's that markets aren't a fan of uncertainty. The stock market performs best when a trend is established, and everyone has a clear understanding of possible outcomes; it struggles ahead of events that could reshape risks. This was on display on Wednesday, Jan. 7, when early morning gains pushed markets to new highs only to fade sharply by the closing bell ahead of two major events on Friday, Jan. 9: ...

Now that the new year is underway, you may be reflecting on both your financial situation and the greater financial landscape in the U.S. Though prices for everything — from groceries to housing to utilities — remain high, inflation has slowed over the last year. This prompted the Fed to cut rates three times during 2025. At the same time, the job market has cooled, and unemployment has risen. If nothing else, the current economic situation may be reinforcing how important it is to keep cash on hand. Whet ...

Here’s a look at how today’s high-yield savings account rates stack up. The Federal Reserve cut the federal funds rate three times in late 2024 and three times in 2025 which means deposit rates have been steadily declining. It's more important than ever to ensure you're earning the highest rate possible on your savings, and a high-yield savings account could be the solution. These accounts pay more interest than the typical savings account — as much as 4% APY and higher. Not sure where to find the best sa ...

Directors at two-thirds of the Federal Reserve's regional banks voted to leave the interest rate charged to commercial banks for emergency loans unchanged ahead of last month's Fed meeting, minutes of the central bank's discount rate meetings showed on Tuesday. ...

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 bills. Find out which banks have the best MMA rat ...

The primary difference between APR and interest rate is that APR considers all the costs of your loan, while your interest rate does not. When lenders display an interest rate, it only reflects the percentage they collect monthly on the amount you borrow.So, although your interest rate is just 13% , the true cost of your loan (when factoring in the cost of the origination fee) is 16.33% APR .Using the steps outlined above, here’s how to calculate your APR:Let’s say you borrowed a $15,000 personal loan with ...

Market Overview - The stock market opened strong, returning to 4000 points, while the bond market showed signs of stress with rising yields [6][7] - The central bank conducted a 135 billion yuan reverse repurchase operation, with a net withdrawal of 4688 billion yuan due to 4823 billion yuan of reverse repos maturing [4][6] Interest Rates and Bond Yields - The 10-year government bond yield rose to 1.8615%, reflecting a significant upward trend [6][7] - The interbank funding rates remained stable, with DR001 around 1.26% and DR007 at approximately 1.43% [4][6] Redemption Regulations - New redemption regulations were officially released, easing previous restrictions for individuals to 7 days and institutions to 30 days, which is a notable change from the draft [6][7] Trading Volume and Market Sentiment - The trading volume for various repo codes showed significant activity, with RO01 at 65977.61 million yuan and R007 at 7306.10 million yuan, indicating a robust trading environment despite the bond market's challenges [5][6]

National average HELOC and home equity rates remain near 7.5%. If your new year resolutions include home upgrades or reducing high-interest debt, home equity rates are in your favor. HELOC and home equity loan rates: Saturday, January 3, 2026 According to Curinos data, the average monthly HELOC rate is 7.44%. The national average rate on a home equity loan is 7.59%. Both rates are based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of less than 70%. ...

Not only does it offer better interest rate than many fixed rate investments, including small saving schemes and fixed deposits (FDs), but investors can invest unlimited amount in the bond. Let’s see what makes this bond special and can you make it part of your RBI floating rate bond offers higher rate than many FDsThe RBI bond is offering a higher interest rate compared to FDs of most banks, including public and private banks. After the RBI cut the repo rate by 125 bps in 2025, many banks have reduced FD i ...

Market Overview - U.S. stock futures are down on New Year's Eve, with the Dow Jones, S&P 500, Nasdaq 100, and Russell 2000 all showing negative changes of -0.13%, -0.26%, -0.41%, and -0.42% respectively [4] - The SPDR S&P 500 ETF Trust (NYSE:SPY) is down 0.28% at $685.10, while the Invesco QQQ Trust ETF (NASDAQ:QQQ) has declined 0.41% to $616.89 [4] Economic Indicators - The 10-year Treasury bond yield is at 4.12%, and the two-year bond yield is at 3.44% [3] - The CME Group's FedWatch tool indicates an 82.8% probability that the Federal Reserve will keep interest rates unchanged in January [3] Company Performance - iSpecimen Inc. (NASDAQ:ISPC) shares are up 36.95% pre-market after announcing a $5.5 million private placement [6] - Anghami Inc. (NASDAQ:ANGH) shares have surged 56% pre-market following a report of a 97% year-over-year increase in revenue [6] - Urgent.ly Inc. (NASDAQ:ULY) shares increased by 52.49% on Tuesday and another 26.81% pre-market after adjourning its annual stockholder meeting [6] - Vanda Pharmaceuticals Inc. (NASDAQ:VNDA) shares are up 19.06% pre-market after receiving FDA approval for its new drug NEREUS [13] - Core AI Holdings Inc. (NASDAQ:CHAI) shares rose 2.78% after announcing a definitive agreement to divest Siyata Mobile [13] Sector Performance - Consumer discretionary, materials, and financials sectors experienced the largest losses on Tuesday, while energy, real estate, and utilities sectors ended the day positively [7]