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Why I’m Not Opening Any CDs in 2024

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Have you seen how high the APYs have gotten on certificates of deposit (CDs)? As of Jan. 21, 2024, some of the offers on our best CDs list were offering rates of up to 5.51% APY! With the Fed (possibly) getting ready to cut interest rates, now could be a good chance to lock in a high yield on a CD. But even though the APYs are tempting, I’m not convinced that opening a CD is the right move for my personal finances. And CDs might not be the right option for you, either.

Reasons Why I’m Not Opening Any CDs in 2024

  1. Lack of Flexibility: I don’t want to lock up my money in a CD. Instead of a CD, putting your cash savings in a bank or credit union savings account gives you flexibility for using that cash.
  2. High-Yield Savings Accounts: The best high-yield savings accounts pay high APYs too. With a high-yield savings account, you get APYs almost as high as (and sometimes higher than) the best CDs, the freedom to withdraw your cash at any time, and no early withdrawal penalties.
  3. Not a Good Long-Term Investment: CDs aren’t a good long-term investment. I’m still at an age and stage of life where I basically think about investing in terms of two buckets: short-term cash and long-term investments.

Is $10,000 Too Much to Keep in a Savings Account?

Saving $10,000 is a huge milestone, and it’s worth celebrating. That kind of money can solve a lot of problems. But it also raises some important questions, like where’s the best place to keep that kind of cash?

CD vs Traditional Saving: Which is Better?

Comparing CDs and traditional savings

It’s a question I get asked quite often: should I put my hard-earned money into a CD or a traditional savings account? The answer, as with many financial decisions, is it depends. Let’s dig a little deeper.

A CD has a set term—from a few months to several years—and generally, the longer the term, the higher the interest rate. If you can afford to put your money aside for a long term without touching it, a CD might be an excellent choice for you.

On the other hand, if you’d like more flexibility or think you might need to access your funds sooner than the term of a CD, a high-yield savings account might be more your speed. These accounts often offer competitive interest rates, and the big advantage is that you can usually withdraw your money at any point without penalty, something not usually possible with a CD without incurring a penalty.

The Bottom Line

It’s important to remember that every financial move you make should be based on your personal circumstances. I believe that tying up your money in a CD for the long-term isn’t ideal for everyone, and there are equally, if not more, beneficial alternatives such as a high-yield savings account. However, if you have a large amount of savings and want to earn a higher interest rate without the risks associated with investing in the stock market, a CD can be a great choice. Ultimately, you know what’s best for your financial situation. Just be sure to weigh your options carefully before you decide.

Weighing your financial options

Whether you are deciding between opening a CD or maintaining a regular savings account, or wondering about the best place to stash your $10,000 milestone savings, it is imperative to consider your financial goals and circumstances to make the best decision. And while CDs might offer attractive rates, flexibility, and potential for higher returns could tip the scales towards high-yield savings accounts in 2024.

Remember, the single best thing you can do with your savings right now is to make a well-informed decision that aligns with your financial goals and situation. After all, at the end of the day, every cent saved is a step forward to a secure financial future.

Setting Financial Goals: How Savings Can Help

Setting financial goals

Whether you’re dreaming of a down payment for a home, planning for your children’s future education, or setting money aside for a comfortable retirement, making the right choices with your savings can significantly impact your progress towards your financial goals. Below, we discuss how different savings strategies cater to specific goals.

If your goal is a short-term one, let’s say buying a car in the next year or two, a high-yield savings account might be your best bet. It provides easy access to your funds and still accrues interest, albeit not as much as a CD. However, the freedom to withdraw your money without any penalties is a defining factor here.

In contrast, if you have a long-term goal, such as saving for a child’s college education, a CD with a long-term tenure might be a better option. You get a higher interest rate, and the temptation to withdraw the funds is mitigated by the prospect of penalties for early withdrawal.

Adapting Saving Strategies with Changing Economic Landscapes

Changing economic landscapes

While we might have our savings and financial strategies writ in stone, it’s crucial to remember that the economic landscape continually evolves. Inflation rates fluctuate, interest rates rise and fall, and financial crises can occur. Being able to adapt your savings strategy in response to these changes can be instrumental in ensuring your financial stability and growth. For instance, if interest rates are expected to fall, you might want to consider locking in the current rates with a CD. On the flip side, if rates are on the rise, a high-yield savings account could be a better bet.

Final Thoughts

From locking funds in a CD to keeping money accessible in a high-yield savings account, each strategy comes with its set of advantages and downsides. The key is to find a balance that aligns with your financial goals, lifestyle, and the degree of risk you are comfortable taking. Keep in mind, especially in today’s turbulent economic times, the most effective savings strategy is one that is flexible and adaptable.

In conclusion, the best thing you can do with your savings right now isn’t necessarily about choosing between a CD or a savings account. It’s about making an informed choice that helps you navigate your way to financial security and meet your goals. Don’t forget, despite the lure of high-interest rates, your personal circumstances and financial goals should always influence your decision.

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Everything You Need to Know About Ergonomic Birthing Positions

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Choosing how to position your body during labor and delivery is one of the most empowering decisions you can make as a birthing person. Yet it’s a topic that often gets overlooked in prenatal planning. Ergonomic birthing positions aren’t just about comfort — they can meaningfully support pelvic health, encourage fetal descent, and reduce the strain on your body during one of its most demanding moments.

Here’s what you need to know.

What Makes a Birthing Position “Ergonomic”?

An ergonomic birthing position is one that works with your body’s anatomy rather than against it. It aligns the pelvis optimally, allows gravity to assist the process, and reduces unnecessary tension on the muscles and joints surrounding the birth canal. The goal is to minimize mechanical stress while maximizing space for the baby to move through the pelvis.

Traditional hospital births often default to the supine (flat on your back) position — largely for the convenience of medical staff. However, this position can actually compress key blood vessels, reduce pelvic outlet dimensions, and make pushing less efficient.

Key Ergonomic Positions to Know

Upright Positions
Standing, walking, or swaying during early labor keeps gravity on your side. These positions encourage the baby to engage deeper into the pelvis and can help manage discomfort more naturally.

Hands and Knees (All-Fours)
This position takes pressure off the spine and sacrum, creates more room in the pelvic cavity, and can be especially helpful if your baby is in a posterior position. It’s also gentler on pelvic floor muscles during pushing.

Squatting
Squatting opens the pelvic outlet significantly. Supported squatting — using a birthing bar, partner, or squat stool — allows you to access this benefit without exhausting your legs prematurely.

Side-Lying
This is a restful option that still promotes good pelvic alignment. It reduces perineal tearing risk and works well during the pushing stage, especially when combined with support under the upper leg.

Kneeling
Kneeling upright or leaning forward onto a birth ball combines the benefits of gravity with reduced pressure on the joints. It’s particularly effective for managing back labor.

Why Pelvic Health Matters Here

Your pelvic health is central to every birthing position decision. The pelvis isn’t a fixed, rigid structure — it shifts and adapts throughout labor. Positions that allow the sacrum to move freely (rather than being compressed against a flat surface) support this natural mobility.

Pelvic floor muscles also play a critical role. Certain positions allow these muscles to lengthen and yield more effectively during crowning, potentially reducing trauma and supporting faster postpartum recovery. Working with a pelvic floor physical therapist before birth can help you understand your own pelvic anatomy and practice positions that suit your specific needs.

Talking to Your Care Team

Not every position will be accessible in every birth setting, and medical circumstances sometimes limit options. What matters is that you advocate for movement and position changes throughout labor wherever possible. Discuss your preferences with your midwife or OB during prenatal visits — and put them in your birth plan.

Ask specifically: Can I labor upright? Can I push in a position other than lying flat? These questions open important conversations.

The Bottom Line

Ergonomic birthing positions are a practical tool — not a luxury. Understanding your options ahead of time, prioritizing your pelvic health, and communicating with your care team puts you in a stronger position to make informed choices when labor begins. Your body knows how to do this. The right position helps it do so more efficiently.

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Foods That Make It Harder to Keep Braces Clean

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Keeping your braces clean is one of the most important parts of orthodontic treatment. Brackets, wires, and bands create countless spots where food can hide — and certain foods make that problem significantly worse. Knowing what to avoid (or at least approach with caution) can save you from cavities, staining, and prolonged treatment time.

Sticky and Chewy Foods

Sticky foods are practically designed to cling to braces. Caramel, taffy, gummy candies, and even dried fruit wrap themselves around brackets and wires in ways that a toothbrush struggles to reach. The residue left behind feeds bacteria, which can lead to plaque buildup and tooth decay if not thoroughly removed.

Chewy breads and bagels fall into a similar category. They compress and wedge into tight spaces around the hardware, making post-meal cleaning a real challenge. Even after brushing, remnants can linger where the wire meets the bracket.

Hard and Crunchy Foods

Hard foods pose a different kind of problem. Popcorn kernels, hard pretzels, ice, and raw carrots can crack or dislodge brackets — but before they cause mechanical damage, they often shatter into small fragments that scatter throughout the braces. Those tiny pieces nestle into areas that are already difficult to clean, compounding the hygiene challenge.

Nuts are particularly problematic. Their irregular shapes and rough textures mean pieces break off and get trapped easily. Even after thorough brushing and flossing, small particles can remain stuck around the metal.

Sugary Foods and Drinks

Sugar itself doesn’t physically get trapped, but it creates an environment where bacteria thrive. When you consume sugary snacks or drinks — sodas, juices, candy, or sweetened coffee — the bacteria in your mouth produce acids that attack tooth enamel. Braces make it harder to clean those acids away quickly, so the damage potential increases.

Carbonated drinks deserve a special mention. The combination of sugar and acidity in most sodas makes them particularly harmful during orthodontic treatment. Even diet sodas, which lack sugar, are acidic enough to weaken enamel over time.

Corn on the Cob and Whole Fruits

Foods like corn on the cob, whole apples, and pears seem harmless enough — but biting directly into them puts stress on brackets and forces large food chunks into tight spaces all at once. The solution isn’t necessarily to avoid these foods entirely, but to cut them into smaller, manageable pieces before eating.

This adjustment removes the risk of breakage while still allowing you to enjoy a varied, nutritious diet throughout your treatment.

Foods That Cause Staining

Some foods won’t get physically trapped but can still make cleaning feel like a losing battle. Coffee, tea, tomato-based sauces, and berries are notorious for staining both teeth and the elastic bands on braces. While stained elastics are easily replaced at your next appointment, the surface of your teeth can develop uneven discoloration if these foods aren’t followed by thorough cleaning.

What You Can Do

Adjusting your diet doesn’t mean giving up every food you enjoy. The goal is to be mindful and proactive:

  • Cut hard or large foods into small pieces before eating
  • Rinse your mouth with water immediately after eating
  • Brush after every meal — not just morning and night
  • Use orthodontic flossers or a water flosser to reach areas a regular brush can’t

Your orthodontist will give you a specific list of foods to avoid based on your treatment, but understanding why certain foods cause problems helps you make smarter choices on the fly. Clean braces aren’t just about aesthetics — they protect your teeth and help ensure your treatment stays on track.

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The Best Way to Store Seasonal Gear Between Outdoor Adventures

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Whether you’re an avid hiker, a weekend camper, or a snow sports enthusiast, your gear represents a serious investment. Skis, tents, kayaks, sleeping bags, and hiking packs don’t come cheap — and improper storage between seasons can quietly destroy them. Getting your storage strategy right keeps your equipment ready to perform when the next adventure calls.

Clean Everything Before You Put It Away

This step is non-negotiable. Storing dirty gear is one of the fastest ways to cause premature wear, mold growth, and material breakdown. Mud, sweat, and moisture trapped inside fabric or foam creates the perfect environment for bacteria and mildew.

  • Wash sleeping bags according to their care labels
  • Dry tents completely before folding and storing
  • Rinse and dry water sports gear like kayaks and paddleboards
  • Wipe down hard goods like skis and bikes, and apply protective coatings where appropriate

A little effort before storage saves you from a nasty surprise when you unpack next season.

Choose the Right Storage Environment

Temperature and humidity are the two biggest threats to seasonal gear. Extreme heat can warp materials, degrade adhesives, and damage foam padding. High humidity encourages mold and rust. Your storage space needs to work against both of these threats.

A climate-controlled environment is ideal for most gear — especially for anything with electronics, sensitive fabrics, or metal components. This is one area where rented storage units offer a clear advantage. A climate-controlled rented storage unit maintains consistent temperature and humidity levels year-round, protecting your investment far better than a garage or attic typically can.

Organize Smartly to Protect Your Gear

How you pack and stack your gear matters as much as where you keep it. Heavy items should go on the bottom. Fragile or compressible items — like sleeping bags and down jackets — should never be stored compressed for long periods, as this breaks down the insulation fill over time.

Use these organization tips to maximize your space:

  • Label everything clearly so retrieval is fast and frustration-free
  • Use breathable bags or bins rather than sealed plastic containers, which can trap moisture
  • Hang what you can — camping chairs, wetsuits, and jackets last longer when hung rather than folded
  • Store sharp items safely — axes, crampons, and knives should be sheathed and stored away from soft goods

Why Rented Storage Units Make Sense for Outdoor Enthusiasts

Home storage has obvious limits. Garages fill up. Basements get damp. Attics swing between freezing and baking depending on the season. For people with a growing collection of seasonal gear, rented storage units provide a dedicated, secure space that keeps everything organized and protected.

You can choose a unit size that fits your actual needs — from a small unit for a few bins of camping gear to a larger space for kayaks, bikes, and ski equipment. Climate control options, drive-up access, and flexible rental terms make them a practical choice for seasonal storage.

It also keeps your living space clear. There’s real value in not tripping over a kayak paddle every time you walk through your garage.

Before the Next Adventure Starts

Don’t wait until the night before your trip to dig out your gear. Set a reminder a few weeks before each season kicks off. Pull everything out, inspect it for damage, replace worn consumables like tent poles or sleeping pad patches, and confirm it’s all in working order.

Gear that’s been properly stored is gear that’s ready to go. Store it well, and it will serve you through many seasons of adventure ahead.

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