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Best high-yield savings interest rates today, September 28, 2025 (Earn up to 4.25% APY)
Yahoo Finance· 2025-09-28 10:00
Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.40%, according to the FDIC. This might not seem like much, but consider that three years ago ...
Increasing Income and Giving Back as an International Grad Student
Personal Finance For Phds· 2025-09-22 10:00
In this episode, Emily interviews Snehanjana Chatterjee, a 3rd-year international graduate student at Texas Tech. Snehanjana recounts her financial journey over the past few years, from how she funded her start-up expenses upon moving to the US to how she’s gained scholarships and awards to increase her income. Snehanjana volunteers to help international students acclimate to the US, and she shares some of their concerns and questions. Finally, Snehanjana asks Emily about banking and investing as an interna ...
Best high-yield savings interest rates today, September 20, 2025 (Earn up to 4.25% APY)
Yahoo Finance· 2025-09-20 10:00
Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.40%, according to the FDIC. This might not seem like much, but consider that three years ago ...
US banks have the right to close your accounts with no warning — what to do if you lose access to your money
Yahoo Finance· 2025-09-16 12:15
You might assume you “own” your bank account — after all, it holds your hard-earned money. But in reality, you have a relationship with the bank, and that relationship can be ended — sometimes without warning. CBS News Philadelphia reported that U.S. banks can close checking, savings, or credit card accounts without prior notice. According to the Consumer Financial Protection Bureau (CFPB), financial institutions have the legal right to do so, and the reasons might not always be obvious. If you’re conce ...
Best high-yield savings interest rates today, September 14, 2025 (Earn up to 4.30% APY)
Yahoo Finance· 2025-09-14 10:00
Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.39%, according to the FDIC. This might not seem like much, but consider that three years ago ...
Best high-yield savings interest rates today, September 13, 2025 (Earn up to 4.30% APY)
Yahoo Finance· 2025-09-13 10:00
Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.39%, according to the FDIC. This might not seem like much, but consider that three years ago ...
减轻家庭征收对女性创业的影响
世界银行· 2025-05-02 23:10
报告行业投资评级 未提及相关内容 报告的核心观点 - 女性创业者获得无条件小额赠款对企业绩效改善有限,家庭内部动态影响其投资决策,赠款可能被侵占或因预期侵占而阻碍投资 [79] - 涉及夫妻共同决策的能力建设干预,能增加对女性创业的支持和储蓄,但未显著提升企业绩效 [80] - 有储蓄支持的条件赠款,对面临高侵占风险的女性创业者企业绩效有积极影响,可降低其脆弱性 [81] 根据相关目录分别进行总结 1. 引言 - 全球女性创业增长,但企业绩效性别差距大,现金赠款对女性企业绩效影响有限 [6] - 女性创业面临的家庭内部动态受关注,一是效率考量,二是侵占压力 [7] - 研究通过随机对照试验,评估四种支持女性小企业的方式,以揭示家庭内部动态对女性投资决策的影响 [10] 2. 数据和影响评估设计 2.1 样本选择和随机化 - 先对阿克拉10483名女企业家进行信息收集,筛选出7006名符合条件的女性,最终确定3096对夫妇参与研究 [18][22] - 随机化在枚举区域(EA)层面进行,按四个维度分层,将EA随机分配到五个组,包括控制组、两个无条件赠款组、一个联合决策培训赠款组和一个储蓄目标赠款组 [23][26] - 对不同实验组进行样本量分配,有目的地对治疗3、治疗4和对照组进行了过度抽样 [24] 2.2 描述干预措施和接受率 - 四种干预措施分别为:向女企业家提供500加纳塞地(约120美元)的无条件现金赠款;向其配偶提供相同金额的无条件现金赠款;女企业家和配偶参加家庭支持培训后获得赠款;女企业家达到160加纳塞地的储蓄目标后获得赠款 [29][33][35][37] - 各干预措施的接受率不同,T1为95%,T2为97%,T3为76%,T4为81% [32][34][36][37] 2.3 数据收集和干预的时间线 - 分析使用2016年末的基线调查、2017年末的部分随访调查和2019年初的全样本随访调查数据 [39] - 干预措施在2017年1月至10月实施,所有参与者在10月获得赠款 [39] 3. 衡量影响 3.1 估计影响 - 使用ANCOVA规范估计对个人和家庭层面结果的影响,控制随机化过程中创建的块 [45] 3.2 干预措施对受益行为、企业绩效和家庭效率的影响 - 两个条件治疗(T3和T4)分别改变了家庭资源分配和储蓄行为,增加了投资和部分利润指标,而无条件治疗(T1和T2)无此效果 [46] - 双企业家夫妇中女性对赠款的投资和利润较低,但无证据表明是效率考量所致,家庭资源分配似乎低效 [47] - 培训治疗(T3)改变了家庭资源分配,女性获得更多“chop money”,感觉丈夫更支持其创业;所有治疗组女性储蓄比例均增加,T4和T3使更多女性使用银行账户储蓄 [48][49] - 无条件现金赠款未增加女性企业家的投资或企业绩效,而条件赠款(T3和T4)对企业投资有积极影响,T4使月销售额增加15%,月利润增加10% [50][52] - 对丈夫的企业绩效,无条件赠款无显著影响,条件赠款(T3和T4)分别使丈夫总收入增加19%和13% [53] - 在双企业家家庭中,未发现无条件现金赠款对女性投资和绩效缺乏影响是由于效率考量的证据 [58][60] 4. 机制:侵占压力的作用 4.1 家庭对收入的压力证据 - 接受无条件现金转移(T1)的女性更可能报告家庭内部共享压力增加,控制组中利润增加的女性也面临类似压力 [63][65] - 男性往往低估妻子的收入,女性往往高估丈夫的收入,这与女性隐藏收入的行为一致 [66] 4.2 储蓄治疗在抵抗侵占压力中的作用 - 储蓄治疗(T4)是唯一对利润和销售有积极影响的治疗,对基线面临高家庭压力的女性尤其有效,可增加她们对原材料的支出 [68][69][71] - 储蓄治疗未改变报告的压力,但使女性能够更好地应对压力 [71] 4.3 替代机制解释 - 测试了自我控制问题、流动性约束和银行储蓄渠道三种替代机制,均未发现能解释储蓄治疗积极影响的证据 [72][75][76][78] 5. 结论 - 无条件小额赠款对女性创业企业绩效改善有限,家庭内部动态影响投资决策 [79] - 涉及夫妻共同决策的能力建设干预有一定积极效果,但未显著提升企业绩效 [80] - 有储蓄支持的条件赠款对面临高侵占风险的女性创业者有积极影响,凸显家庭压力在资源分配中的重要性 [81]