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Maximizing CD Returns: Strategies for Fall Savings

CD interest rates have increased in recent years, with the average 12-month rate at 1.80%. Despite a slight decline due to cooling inflation, CDs remain a viable option for savers. To maximize earnings, experts recommend shopping around for the best rates, considering CD terms that align with liquidity needs, opening long-term CDs for potential rate advantages, and building a CD ladder for regular access to funds. While CDs offer a conservative investment option with low risk of principal loss, it's important to avoid early withdrawal penalties by investing only funds that won't be needed before the CD term expires.

Parent Worried About Daughter's Future

A concerned parent writes to Pay Dirt about their daughter's lack of interest in studying and their worries about her future. Despite saving money for her education, the parent is unsure of how to motivate their daughter to take her studies seriously. Pay Dirt advises the parent to have an open conversation with their daughter about her aspirations and explore alternative paths to success beyond traditional college education. The column also offers advice on discussing estate planning with aging parents and breaking the cycle of paycheck-to-paycheck living through budgeting and balance.

Powell's Inflation Mission Accomplished, Markets Calm

Federal Reserve Chair Jerome Powell's recent address at Jackson Hole signals that his inflation-fighting mission has been accomplished, leading to a return to calm in the markets. The S&P 500 is nearing an all-time high, with volatility easing and bond yields falling. Powell's shift towards supporting the labor market and potential interest rate cuts has been well-received by Wall Street, boosting risk assets. Financial conditions have loosened, supporting borrowing and consumer spending. While concerns about the labor market persist, the current market stability is seen as positive for economic growth in the near term.

Engaging Students with Flying Candy: A Lesson in Active Learning

Professor David R. Bowne shares his unique approach to engaging students on the first day of class by throwing M&Ms at them. This activity, designed to fail, serves as a metaphor for learning, encouraging students to actively participate in the process. By relating the M&Ms to facts and the cup to their brain, Bowne emphasizes the importance of making connections and using information creatively. Through this interactive lesson, students learn that education is more than just collecting facts; it's about understanding, applying, and connecting knowledge. Bowne's approach not only breaks the tension but also sets the tone for a semester of active learning and engagement, leaving students inspired and excited about their educational journey.

That's all for this week's edition of The Weekly Brew. We hope you found these articles informative and engaging. Stay tuned for more updates next week. Happy reading! 📚

**Subject Line:** Unlock Your Potential: Business, Career, and Money Insights

**Subtitle:** Elevate Your Success with Expert Tips and Strategies

In this edition, we delve into the latest trends shaping the business world, offer actionable career advice to help you climb the corporate ladder, and share smart money management techniques to secure your financial future. Whether you're an entrepreneur, a professional aiming for the next big promotion, or someone looking to make informed financial decisions, our curated content is designed to empower you with the knowledge and tools you need to thrive.