央视网消息：眼下，很多地方打造的"怀旧主题"商圈成为新的人气聚集地，原汁原味复刻的老街风貌，带有复古包装的商品，都凭借满满 的年代感"圈粉"，一起来看记者在北京的发现。 夜幕降临，舞台灯光缓缓点亮，一曲曲承载几代人青春记忆的经典老歌响起，现场氛围瞬间点燃，台下观众尽情释放心中热情。 这里并非是专门的演出剧场，而是位于北京王府井大街里的一个怀旧主题商业空间。黑白电视墙、老款手机、泛黄的旧报纸点缀其中。老 邮局、老照相馆、旧式澡堂等经典场景的复刻，更让游客沉浸式感受了上世纪七八十年代北京人的生活日常。 淘旧书 听唱片 年轻人热衷收藏"老时光" 怀旧消费的热潮下，一些带着时代印记的旧书、音像制品等老物件，也成为年轻人的收藏新宠。 这里不仅能打卡拍照，还能买到老款游戏机、零食大礼包等怀旧主题商品，既勾起了老辈人的回忆，也圈粉了大批年轻消费者。 近年来，以怀旧为主题的情境式消费商圈在全国多地城市涌现，通过重现特定年代场景，吸引了大量寻求情感共鸣和沉浸式体验的游客， 成为当地的打卡热门景点。 国务院发展研究中心市场经济研究所研究室主任 陈丽芬：这些商圈吸引人的地方在于"既老且潮"，其核心并非堆砌老物件，而是将历史 纵深感 ...

There are other organizations, at county level, that can provide advice and assistance for people such as yourself who don’t qualify for Medicaid, for instance, but still have modest assets. You can find your local Area Agency on Aging via the Eldercare Locator. In addition, the Department of Housing Counseling Services can advise you on your mortgage and retirement projections for free or often at a low cost. They can help you navigate your financial situation, as well as put in place some actions you can ...

elenaleonova / Getty Images Inflation’s bite means your savings may be slipping—but one straightforward move can help you stay ahead. Key Takeaways Inflation has eased to 2.7%, but that's still considered high. It will eat away at any savings that's earning less than that rate. You can continue to earn well above today's inflation rate with a top high-yield savings account, where rates range from 4.20% to 5%. To lock in your inflation protection, consider adding a top-paying CD, which guarantees its ...

Find out how much you could earn by locking in a high CD rate today. The Federal Reserve cut its federal funds rate three times in 2024, and it recently announced its second rate cut of 2025, so now could be your last chance to lock in a competitive CD rate before rates fall further. CD rates vary widely across financial institutions, so it’s important to ensure you’re getting the best rate possible when shopping around for a CD. The following is a breakdown of CD rates today and where to find the best of ...

Core Points - BankFirst Capital Corporation declared a cash dividend of $1.05 per share, payable on December 10, 2025, to shareholders of record as of December 1, 2025 [1] - The company reported total assets of approximately $3.34 billion as of September 30, 2025 [2] Company Overview - BankFirst Capital Corporation is a registered bank holding company headquartered in Columbus, Mississippi, with its wholly-owned subsidiary, BankFirst Financial Services, founded in 1888 [2] - The bank operates multiple branches across Mississippi and Alabama, providing a wide range of services including internet banking, mortgage loans, and merchant services [2]

Core Viewpoint - The fixed income market indicates that investors are not overly concerned about the ongoing government shutdown, as evidenced by stable bond yields and tight credit spreads [2][4][3]. Fixed Income Market Insights - Fixed income markets are currently stable, with no significant flight to quality observed, contrasting with stock market movements [2][3]. - Both short-term and long-term yields are trading within a range, suggesting a lack of investor anxiety regarding potential economic impacts from the shutdown [3][4]. - Credit spreads for both investment-grade and high-yield bonds remain tight, indicating confidence in corporate bond investments despite the shutdown [4]. Federal Reserve Rate Cuts - Federal Reserve rate cuts primarily affect short-term yields, with Treasury bill yields expected to decline in anticipation of these cuts [6][7]. - Long-term yields, such as the 10-year Treasury, are less directly influenced by Fed actions and are more aligned with long-term growth and inflation expectations [7][8]. - Current inflation rates are around 3%, above the Fed's target, which may prevent long-term yields from falling significantly even if rate cuts occur [8][9]. Economic Implications of the Shutdown - The longer the government shutdown persists, the greater the risk to the economy and global markets, particularly regarding the Fed's ability to assess economic conditions [13][16]. - The absence of key economic data, such as job reports, complicates the Fed's decision-making process and may lead to uncertainty in future monetary policy [15][16]. - If the shutdown continues and data releases are missed, it could create a more uncertain economic outlook, impacting the Fed's policy decisions [16].

Core Insights - The Federal Reserve has cut its federal funds rate three times in 2024 and announced its first rate cut for 2025, indicating a potential decline in competitive CD rates in the near future [1] - The best CD rates are currently found in shorter terms, particularly around one year or less, with online banks and credit unions leading in offering competitive rates [2] CD Rates Overview - As of September 27, 2025, the highest CD rate available is 4.45% APY from LendingClub for an 8-month CD [2] - The interest earned from a CD is determined by the annual percentage rate (APY), which reflects total earnings after one year, factoring in the base interest rate and compounding frequency [2] Interest Earnings Examples - An investment of $1,000 in a one-year CD at 1.70% APY with monthly compounding results in a total balance of $1,017.13 after one year, yielding $17.13 in interest [3] - Conversely, a one-year CD at 4% APY would grow the same $1,000 investment to $1,040.74, resulting in $40.74 in interest [3] Deposit Impact on Earnings - Increasing the deposit amount in a CD significantly enhances potential earnings; for instance, a $10,000 deposit in a one-year CD at 4% APY would yield a total balance of $10,407.42, translating to $407.42 in interest [4] Types of CDs - Various types of CDs offer different benefits, which may include: - **Bump-up CD**: Allows for a one-time request to increase the interest rate if the bank's rates rise during the term [4] - **No-penalty CD**: Provides the option to withdraw funds before maturity without incurring penalties [4] - **Jumbo CD**: Requires a higher minimum deposit (typically $100,000 or more) and often offers higher interest rates, though the difference may be minimal in the current environment [4] - **Brokered CD**: Purchased through a brokerage, potentially offering higher rates or flexible terms, but may carry more risk and lack FDIC insurance [4]

Report Summary 1) Report Industry Investment Rating No industry investment rating is provided in the report. 2) Core Viewpoints of the Report - The adjustment of the 14D OMO reverse - repurchase tender method can better stabilize the short - end fluctuations of the yield curve and maintain the abundance of bank system liquidity [2]. - It is expected that 14D OMO operations will be more frequent than before, and the first 14D OMO operation after the change of the tender method may be carried out on September 22, 2025 [2]. - Attention should be paid to real - time DR and CD interest rates rather than privately inquired winning bid rates of 14D OMO, as the latter contains limited monetary policy information and is often lagging [3]. - Moderately narrowing the interest rate corridor can reduce DR fluctuations and improve the efficiency of interest rate regulation, and currently, there are basic conditions to narrow the interest rate corridor by moderately reducing the SLF interest rate [3][4]. 3) Summary by Relevant Catalogs Event - On September 19, 2025, the People's Bank of China announced that, starting from that day, the 14 - day reverse - repurchase operation in the open market would be adjusted to fixed - quantity, interest - rate tender, and multi - price winning bids [1]. Comment - The 7D OMO interest rate is the main policy interest rate in China. The new combination of 7D OMO (fixed - interest, quantity tender) and 14D OMO (fixed - quantity, interest - rate tender, multi - price winning bids) can better stabilize the short - end fluctuations of the yield curve and maintain the abundance of bank system liquidity [2]. - It is expected that 14D OMO operations will be more frequent than in previous years, not limited to before the Spring Festival and National Day. The first 14D OMO operation after the change of the tender method may be carried out on September 22, 2025. In the future, some investors may be interested in privately inquiring about the winning bid rate of 14D OMO, but these rates contain limited monetary policy information, and attention should be paid to real - time DR and CD interest rates [2][3]. - 7D and 14D OMO are the "new partners" for maintaining liquidity abundance, and the interest rate corridor is the "old assistant" for suppressing short - end fluctuations. Moderately narrowing the interest rate corridor can reduce DR fluctuations and improve the efficiency of interest rate regulation. There are two ways to narrow the interest rate corridor: the natural compression when the 7D OMO interest rate and SLF decline together, and the reduction of the spread of the SLF interest rate above the OMO interest rate [3]. - Currently, there are basic conditions to narrow the interest rate corridor by moderately reducing the SLF interest rate. From May to August 2025, the SLF operation volume was much smaller than the inter - bank pledged repurchase trading volume. The minimum value and 10% quantile of the spread between the 7D SLF and DR007 from early 2024 to September 19, 2025, were at a moderate and relatively large level [4].

Core Insights - The Federal Reserve has cut the federal funds rate three times in 2024, making it a critical time for investors to lock in competitive CD rates before potential further declines [1] - The highest CD rate currently available is 4.45% APY, offered by LendingClub for an 8-month CD as of September 20, 2025 [2] Summary of CD Rates - Best CD rates are generally found in shorter terms of around one year or less, with online banks and credit unions leading in competitive offers [2] - The interest earned from a CD is determined by the annual percentage rate (APY), which reflects total earnings after one year, factoring in the base interest rate and compounding frequency [2] Interest Earnings Examples - An investment of $1,000 in a one-year CD at 1.70% APY would yield a total balance of $1,017.13 after one year, with $17.13 earned in interest [3] - Conversely, a one-year CD at 4% APY would grow the same $1,000 investment to $1,040.74, resulting in $40.74 in interest [3] Impact of Deposit Amounts - Increasing the deposit amount in a CD significantly boosts potential earnings; for example, a $10,000 deposit in a one-year CD at 4% APY would result in a total balance of $10,407.42, earning $407.42 in interest [4] Types of CDs - Various types of CDs offer different benefits, including: - **Bump-up CD**: Allows for a one-time request to increase the interest rate if the bank's rates rise during the term [4] - **No-penalty CD**: Provides the option to withdraw funds before maturity without incurring a penalty [4] - **Jumbo CD**: Requires a higher minimum deposit (typically $100,000 or more) and may offer higher interest rates, though the difference from traditional CDs may be minimal in the current environment [4] - **Brokered CD**: Purchased through a brokerage, potentially offering higher rates or flexible terms, but may carry more risk and lack FDIC insurance [4]

Partnerships & Marketing - DoorDash partners with Cardi B to offer signed CDs or vinyls of her new album, "Am I the Drama" [1] - The partnership includes a virtual shop called the Cardi B Cardi Bodega, featuring Cardi B's favorite snacks and beverages [1]