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Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

A float-down option allows you to lower your mortgage rate if prevailing interest rates drop during your lock period. Locking your rate with a float-down option is usually more expensive than a ...

With 2025 winding down, will savers and investors lock in today’s CD or Treasury yields before they slip lower, or hold out for better returns in 2026? It’s not an easy choice with the Fed signaling ...

Tue, February 6, 2024 at 3:30 PM UTC If you’ve been shopping around for a mortgage, you’ve already encountered one reality about interest rates: What you see today might be gone tomorrow. A mortgage ...

The last few years have provided a challenging landscape for prospective homeowners and those looking to refinance their mortgages. Many would-be borrowers have sat on the sidelines as elevated home ...

The Federal Reserve cut rates by half a point on Sept. 18 and penciled in further drops. CD rates typically decline following an interest rate cut. Fixed-rate CDs guarantee a set yield for their ...

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

Timi is a news and deals writer who's been reporting on technology for over a decade. He loves breaking down complex subjects into easy-to-read pieces that keep you informed. But his recent passion ...