A Certificate of Deposit is one of the simplest financial tools you can use to grow your savings with predictable returns. The graphic shows how a CD works by locking your money for a set period and earning a fixed interest rate until the maturity date. This is different from a regular savings account because you cannot add or withdraw money until the term ends without paying a penalty. CDs offer stability which makes them attractive for short term goals. You know exactly how much interest you will earn and when you will be able to access your money. This gives you a safe place to store cash while avoiding the risk of market fluctuations. In the example shown you deposit five thousand dollars into a five year CD with a three percent APY. Each year your balance grows because interest is added and compounds on the new amount. By the end of year five your money grows to five thousand seven hundred ninety six dollars without needing to do anything extra. CDs are great for people who want a guaranteed return. They are often used for emergency fund surplus, saving for a planned purchase, or holding money during uncertain market conditions. They typically offer higher interest rates than regular savings accounts which makes them a better option for money you do not need immediately. When comparing CDs always check the APY, term length, and whether the CD is locked or flexible. Online banks sometimes offer higher CD rates than traditional banks which can give you better returns. CDs are also insured which adds another layer of safety for your savings. If you want to see the dividend portfolio I use for long term investing and compounding, comment “Stocks” and I will send you the link. Would you ever consider using a CD for part of your savings or do you prefer keeping everything in a regular savings account? For more simple guides that help you understand interest rates, savings tools, and smart money decisions, follow @MasteringWealth for daily financial breakdowns. ⚠️ This content is for educational purposes only and is not financial advice. Always do your own research or consult a licensed professional before making financial decisions.

The CEO of AI search company Perplexity, Aravind Srinivas, has offered to cross a virtual picket line and provide services during a strike by New York Times tech workers. The NYT Tech Guild announced its strike Monday, after setting November 4 as its deadline months earlier. The workers represented provide software support and data analysis for the Times, on the business side of the outlet. Picketers demonstrated in front of the NYT building in New York as negotiations continued. Meanwhile, on X, formerly known as Twitter, Perplexity’s CEO offered to step in for the striking workers. Many on X immediately castigated Srinivas for acting as a scab — a derogatory term for people willing to perform the jobs of striking workers. It is widely considered a disreputable behavior in matters of labor and equity. Read more on Perplexity CEO's offer at the link in the bio 👆 Article by Devin Coldewey Image Credits: Kimberly White for TechCrunch / Getty Images #TechCrunch #technews #artificialintelligence #Perplexity #NYT #strike

Elon Musk has outlined a future where money loses its purpose and energy becomes the core unit of value in society, driven by breakthroughs in artificial intelligence and robotics. Speaking on a podcast with Indian entrepreneur Nikhil Kamath, Musk said he expects that “money disappears as a concept” once advanced automation can meet human needs at scale. He acknowledged that the idea “sounds kind of strange,” but argued that if “anyone can have anything,” there is no need for money as a way to coordinate labor or distribute resources.

History is not just written, it is reshaped, repeated, and often turned into so called facts that many people simply accept. Columbus did not truly discover anything, our brains do not operate at only ten percent, the accused in the Salem trials were not burned, Napoleon was not unusually short, Einstein did not fail math, and astronauts cannot actually see the Great Wall from space. We inherit the stories of the past, but we also inherit the mistakes and misunderstandings that come with them. The truth is almost always stranger than the simplified versions we are taught. Sources: Smithsonian Magazine, NASA Archives, Salem Witch Trial Court Records, Einstein Archives, Viking Age Archaeology, Neuroscience Research Papers, National Libraries and Historical Gazetteers.

Which talk show you would consider watching? . . . #koffeewithkaran #koffeewithkaranseason7 #koffeewithkaran7 #sonofabish #sonofabishseason4 #thekapilsharmashow #thekapilsharmashowonsonytv #kapilsharmafans #theanupamkhershow #breakfastwithchampions #gauravkapur #aapkiadalat #rajatsharmaaapkiadalat #babakichowki #sanketbhosle #jeenaisikanaamhai #rendezvouswithsimigarewal

Europe’s most enchanting Christmas market comes alive beneath the towering spires of Cologne’s iconic Kölner Dom 🏰✨ Every winter, more than 4 million visitors gather at the Cologne Cathedral Christmas Market to wander through glowing lights, red-roofed stalls, and the scent of mulled wine drifting through the square. Over 100 booths offer handmade ornaments, festive crafts, and classic holiday treats — all set against one of the city’s most breathtaking backdrops 🍷🎄 At the heart of it all stands a massive Christmas tree, among the tallest in Germany, shimmering beneath the cathedral’s Gothic silhouette. It’s pure storybook magic. Expect: 🎄 Handcrafted gifts & ornaments 🍷 Traditional German winter drinks 🍪 Fresh pastries & holiday sweets 🎶 Live music and festive performances 🌟 A fairytale atmosphere Photos 2-5 by: @ieuyar #Cologne #KölnerDom #ChristmasMarket #Weihnachtsmarkt #GermanyTravel #Vacations #Christmas #Xmas

The past few months have seen three elections across Africa, in Tanzania, Cameroon, and Côte d’Ivoire. Each exposed a deepening democratic crisis on the continent. While the ballot boxes were filled and the slogans of “stability” and “unity” were loudly proclaimed, the underlying reality was very different; repression, exclusion, and a profound disconnect between the political class and the masses, especially youth. In all three cases, aging leaders clung to power through electoral processes that were anything but democratic. The continuity of these regimes is part of Africa’s enduring entrapment within neoliberal and neo-colonial frameworks, where the ritual of elections serves to legitimize old orders and satisfy liberal democracy’s important symbolic tenet of holding elections without any fundamental change. 📲 Read the full article on our website.

GameStop will host a unique “Trade Anything” Day on December 6, letting customers bring almost any item in exchange for store credit. The event is meant to draw people into stores with its unusual concept. While taxidermy is allowed, a long banned list includes hazardous materials, lithium-ion batteries, alcohol, drugs, computers, small electronics, TVs, jewelry, gift cards, and items resembling body parts. Store staff will decide what qualifies, and each store has a specific container to limit item size. GameStop hasn’t revealed how trades will be valued, adding more curiosity to the event. What kind of unusual items do you think people will bring to this event? #GameStop [Follow @gamenewsplusnet] Hashtags: #Gaming #VideoGames #Game #Gamer #GameNewsPlus

Our favorite '13 Going on 30' besties are back together again.⁠ ⁠ Jennifer Garner presented Judy Greer with the Global Champion Award at International Medical Corps' 2025 Annual Awards Celebration⁠ ⁠ "My friend Judy doesn't do anything halfway. So, when she pointed her huge, empathetic, curious heart at International Medical Corps, she was bound to make her mark," Jennifer said. "I am so proud of my deeply human humanitarian friend."⁠ ⁠ (📸/🎥: Getty Images)

Meet IAS Neha Byadwal — a true example of beauty with brains. At just 22, she cracked the UPSC 2021 exam with AIR 569, becoming one of India’s youngest IAS officers. Her journey is built on focus, discipline, and relentless hard work. Born in Jaipur, raised in Chhattisgarh, Neha was inspired by her father, a senior Income Tax Officer. To stay undistracted, she went 3 years without using a mobile phone — all to chase her UPSC dream. A topper in college, she cleared SSC multiple times but never joined, because her only goal was the IAS. Today, she shares her story to inspire others — proving that with determination, anything is possible. 💬 Tag a friend preparing for UPSC! 👇 Follow @marketing.growmatics for more such inspiring journeys. #MarketingGrowmatics #IAS #UPSC #YoungestIASOfficer #SuccessStory #UPSCMotivation #CivilServices #IASJourney #Explore #Legend #Queen #Respect