Best savings account reddit. 21 comments. Best. Whatamuji • • 3 yr. ago. If its FDIC insured then it should be fine. Other option worth considering are: Discover, AMEX, Marcus. 13. 37yearoldthrowaway • • 3 yr. ago. IMO requirements like a certain amount of transactions/month are not worth it. Would recommend Ally, Cap360, or Marcus. Feb 27, 2024 · JPMorgan Chase. JPMorgan Chase & Co. has more than 4,800 domestic branches, but its flagship Chase Savings account has an interest rate well below 1%, and charges a $5 monthly maintenance fee ... 28 Sept 2023 ... Cause, yes, SoFi does require a direct deposit to get the best rate on the savings account. Fidelity Bloom does not, it's just "invested" in ...1. UniversityHot4132. • 1 yr. ago. I have discover credit card for years and didn’t face any issues. Recently saw their promo for $450 bonus and 3% interest rate. So, decided to transfer money to their account. Did two transfers and my account was frozen. I had a similar story to the person below.Since my grandmother established my account in 2005, they’ve paid a total of 4 dollars in interest. The WF customer service guy who helped me end the account said he was personally sorry. I bank with capitol one now. A 3.5% interest rate versus WF 0.01%.Please read the sidebar and observe sub rules when posting. ING Savings Maximiser raises to 3.10% from August 9th. Best thing is to keep your CBA account and get your salary paid into it so you don't …While funds like the SPDR S&P 500 ETF Trust, or SPY, posted an annual gain of 26.19% last year, the index tracker had a loss of 18.17% in 2022, according to …Some banks offer tiered interest rates. To find the best high-interest rate for you, browse Bankrate's list of the best high-yield savings accounts.The problem is every year or two, the bank spins off a new account type with the highest available interest rate while existing accounts' rates don't go up. So "Savings Builder" was initially good, then they introduced "Savings Connect" and now they have "Platinum Savings." These accounts are identical or virtually identical except for the ...Why we like Cornerstone Money Market Savings Account Best high-yield savings account for no fees. Vio Bank is a great option for those who want a high-interest savings rate, with no frills or fees. The digital bank’s Cornerstone Money Market Account offers a highly competitive interest rate of 4.88% APY.A friend of mine suggested I scroll through some different personal finance subreddits, and after spending hours doing that, I walked away with interesting and unique advice that's helped me save ...Hello! I suggest you apply for an RCBC Instacard. 10k yung minimum holdout amount and 95% nun ang magiging credit limit mo. So kung magdedeposit ka ng 10k, 9.5k magiging credit limit mo. Suggestion ko ay maglagay ka ng at least 15k sa account mo para may matirang 5k kapag kinuha nila yung holdout amount sa account mo.However, as with all savings accounts, there is a federal limit for how many online transfers you make in a month. I believe it’s currently at 6. So as long as you only withdraw from your Apple savings account 6 times per month, you should be ok. And with all savings accounts, it’s a VERY safe place to put your money. You can only earn money.The best high-yield savings account rate from a nationally available institution is 5.50% APY, available from Poppy Bank. That's nearly 12 times the FDIC's national …3 days ago · Here’s a summary of our top accounts organized by the highest APY that one could get. UFB Secure Savings: Up to 5.25% APY. Bread Savings High-Yield Savings Account: 5.15% APY. Bask Interest ... If you are truly interested in saving and don't mind some paperwork, the best rates you're going to get are by opening new bank accounts every month or so to obtain the bonus. Discover has a $450 bonus right now if you deposit $35000. That's a 1.3% yeild that compounds within a week or so, no need to wait a year. They also have a 2.75% rate btw.DiarrhoeaOverlord. • 1 yr. ago. If you are salaried and eligible for a credit card, consider the UOB One Account. It gives you a range of 3.85-5.00% EIR p.a. depending on your account balance, as long as you credit your salary with them and spends $500/month on their credit card. IMO, the best pairing is the UOB One Account + UOB EVOL Credit ...You can buy US bonds in increments of $1000, they would be the highest savings rate you can get that's backed by the US government. EDIT: I want to add I'm aware that bank deposits are insured by the government up to a certain amount. But generally, outside some rare/capped interest rates the best you'll get are bonds.Banking. 6 Best Alternatives to Savings Accounts. Advertiser disclosure. 6 Best Alternatives to Savings Accounts. Traditional savings accounts tend to have …If you think that scandalous, mean-spirited or downright bizarre final wills are only things you see in crazy movies, then think again. It turns out that real people who want to ma... Top Contenders in the HSYA Game: Milli Bank: Boasting a 5.50% APY with no minimum balance requirement, Milli is a strong contender for the top spot. Andrews Federal Credit Union: Offering a 5.75% APY on balances up to $1,000, it’s an excellent option for smaller savers. MyBankingDirect: With a 5.35% APY and a $500 minimum balance requirement ... I've been using Milli since March, so ~3 months. I have direct deposit with them (not all, just the fraction of my paycheck that covers discretionary spending). I had no issues setting it up, and it works seamlessly. One thing to bear in mind is that your money will show up at 6:05 AM EST on payday, not at midnight.I've been using Milli since March, so ~3 months. I have direct deposit with them (not all, just the fraction of my paycheck that covers discretionary spending). I had no issues setting it up, and it works seamlessly. One thing to bear in mind is that your money will show up at 6:05 AM EST on payday, not at midnight.You'll be asked to sign into your Forbes account. This year’s annual Elton John AIDS Foundation Academy Award Viewing Party raised a record breaking 10.8 …Milli Bank: Boasting a 5.50% APY with no minimum balance requirement, Milli is a strong contender for the top spot. Andrews Federal Credit Union: Offering a 5.75% APY on balances up to $1,000, it’s an excellent option for smaller savers. MyBankingDirect: With a 5.35% APY and a $500 minimum balance requirement, it’s a solid choice for those ...r/Fire. FI/RE (Financial Independence / Retiring Early) is a money strategy that's sweeping the nation. It's not easy, but it is simple: earn more, spend less, and use the difference wisely. Build a baseline of financial security with the difference first, then use it to invest for your future. That way you can begin to earn financial freedom ...7 May 2023 ... You better bet we use a HYSA! I have a certainly amount automatically move over to checking and then periodically top up the cash account with ... Hdfc, icici, axis and/or Kotak. Hdfc and axis have good credit cards so maybe they hold an edge over the others if you want a long term relationship. marshaler. • 7 mo. ago. ICICI Bank has the best mobile app, you can do anything and everything from that mobile app. 27 Jun 2023 ... 5.65% up to 100k then 3% up to a million. It's under the BOQ umbrella so be aware if you have more than 250k under either ...Best High Yield Savings Account. Saving. Going to move my emergency fund to a HYSA. Currently getting 0.02% so should have done it sooner. Capital one offers 3.5% and Ally …Reddit is making it easier for users to share content from its platform, acknowledging that it previously "didn't make it easy" to do so. Reddit is introducing a series of updates ...The one I use has a savings account that starts at 1.25% APY and doubles to 2.5% APY after 12 months of qualifying credits, i.e. total deposits between $5 and $500 each month. Before finding this, I used a Discover online account that started at 1.0% APY but gradually dropped to .85% APY.20 Nov 2023 ... Best of Reddit · Topics · Content Policy · Privacy ... Yes, funds held in your bank account (Revolut Bank ... Dutch bank with 3.55% interest ra...After setting aside the feature as a paid perk, Reddit will now let just about everybody reply with a GIF. Starting today, any safe-for-work and non-quarantined subreddit can opt i...american ww11 tankspsvr1 Given today's lowest in the history interest rates there isn't and won't be any savings account which can bring any profit. This isn't connected to Portugal, but more like to Eurozone, but honestly everywhere we've seen low interest rates for past few years. With a today economy these interest rates are further lowered to encourage people to ...If you have met the requirements for the 4.59% up to $20,000 and exceed the $20,000: The $20,000 receives 4.59% APY. The amount that is over $20,000 but less then $25,000 receives a 0.20% APY. Any amount that is 25,000+ receives a .10% APY. Once you have $20,000 in CCU, you should put additional funds into another account. Investing in the Philippines. For Filipinos interested in stocks, bonds, mutual funds, ETFs, forex, crypto, banking, business, insurance, and any other topic related to investing money, making money, or growing money in the Philippines. 374K Members. 210 Online. r/phinvest. Some of the best RRSP saving and investing accounts include: Best RRSP savings account: EQ Bank RSP Savings Account *. Best robo-advisors: Questwealth Portfolio and Wealthsimple Invest. Best ...Reddit, often referred to as the “front page of the internet,” is a powerful platform that can provide marketers with a wealth of opportunities to connect with their target audienc...If you think that scandalous, mean-spirited or downright bizarre final wills are only things you see in crazy movies, then think again. It turns out that real people who want to ma...Please read the sidebar and observe sub rules when posting. ING Savings Maximiser raises to 3.10% from August 9th. Best thing is to keep your CBA account and get your salary paid into it so you don't …T-Bills are the other option. In $100 increments, you can buy whatever duration (1mo, 2mo, 3mo, 6mo, 1yr) for interest rates that is higher than high yield savings accounts, but requires your money to be "locked up" for whatever duration you choose. Personally, I ladder my T-Bills every week and buy 1 or 2mo Bill's every week. Citizens Access. 2.35%. $5,000+ deposit required to open. Highest rate requires a balance of $5,000+, otherwise it falls to 0.25%. Digital Federal. 6.17%. Highest rate is on up to $1,000; anything above that has an APY of 0.25%. Must join credit union, which can be done with a $10 donation to a charitable organization. best resorts in cancun for couplescut off age for army Alliant has a $100 offer for having a monthly $100 savings deposit with them totaling to $1200 in a year while the sly is 2.95%. There’s also a few new offers that can make you an extra $300. Bread and Synchrony suck, so I would urge you to avoid them. Ally's online bank product is actually really good.Like u/DavidTVC15 said, I too have a checking, savings, and CC with Discover, but have only been a client for about two years.. I haven't experienced the issues others experienced either, even after depositing nearly $6,000 into my HYSA with them. From what I've seen and gathered from people who've experienced issues - it seems that accounts that are …Open a UTMA account for the kid and put the kid's money into a good growth stock mutual fund or an Index fund and reinvest the dividends into buying more shares. If you want the money to be earmarked for college, make it a 529 account. as some have already said it depends on what you want you are trying to save for.Even my regular savings account is @ 3.75% right now. If your an Apple user, Apple's new savings account pays 4.15% APY from Goldman Sachs. The fact that some banks are only giving around 0.5% or less in "Savings" accounts when the risk free rate is around 4% or more puts those banks into SCAM territory in my opinion. luvsome cat food I opened mine a couple months ago when they were offering $450 with deposit of $35000. I had a hard time transferring money from our PenFed savings to discover when I opened my account. So I had PenFed mail me a check then turned around and deposited into Discover account. Received the $450 a few days later in my account. how much does fencing costold navy in store maternitybody building women 14 Nov 2022 ... Best savings account HANDS DOWN . Barclays Rainey day saver currently offering 5.12% AER (up to 5000). To get this account you have to be a ...When CapOne 360 started offering the current savings account, it was at a higher percentage rate than a different savings account and they didn't tell holders of the older type of account that there was a new offering (they weren't hiding it either, if you visited the website and browsed savings products, you would have seen the new account type and could have just opened … ik makeup CIMB. 3.1% p.a. for whatever balance. Promo: up to 4% p.a. if you meet the criterion. Can't recall well but I think it's: 1) 100k Maintaining balance or 2) 1K additional deposit per month for the defined period. kbytzer • 3 yr. ago. If you're after interest rates, avoid the brick and mortar and go for digital banks. trail run The most extensive list of options is on https://www.doctorofcredit.com/high-interest-savings-to-get/ but here are the best ones in my opinion: 7.12% on Series I US Savings bonds. These have a $10,000 annual purchase limit and cannot be redeemed for one year. If you need the convenience of a savings account, then use one that pays higher interest. Anything up to 3.75% currently is expected. If you want to take advantage of higher rates as they come (since they are actively going up), buying SWVXX in a Schwab brokerage account will give you the best rate.We wanted to open up a savings account. And we just wanted to see which banks offer the best deals (APY, Opening Bonus, etc) So far, Ally has offered the highest APY at 3.0%. But a few banks were offering a couple of hundred bucks if we deposited a minimum of a specific amount. Appreciate any responses. If your daily balance is less than $10,000.00, you'll earn 0.8467% on your entire account balance, which adds up to an annual percentage yield of 0.85%. If your daily balance is $10,000.00 or more, you'll earn 1.7361% interest on your entire account balance, with an annual percentage yield of 1.75%.”. VUSXX is the fund I’d suggest to most people who want to keep their money as safe as possible while earning high yield. Its yield is currently 5.19% and the interest is about 80% exempt from state tax. SGOV is an ETF (exchange-traded fund), so it’s available at any brokerage. Its yield is currently 5.28%, and interest is almost 100% exempt ... trip to germanynote taking applications You can both start IRA from that account, too. any bank or credit union will be fine, generally if you haev a joint checking account and then a joint savings account and you do direct deposits into the joint checking then you shouldnt be charged any fees. THere are …One trick to saving money is to make a monthly budget based on 4 weeks pay. Factor in your rent/mortgage, bills, gas, etc. plus whatever you can save for your travel fund. The trick comes at the the end of the year because 12 months x 4 weeks = 48 weeks, but there are actually 52 weeks in a year. So you just saved an extra 4 weeks of pay.triple_hoop. •. I would say have two, one in either HDFC/ICICI second one in SBI. Mainly because private banks are good for convenience but SBI is better for taking loans etc (if you don't mind slowest and laziest bank teller in the world) Reply reply. jbseek. •. HMBradley is 1% or 3% if you have their credit card. You need to direct deposit $1500/month and spend $100 with their credit card to reach 3%. Credit card is $0 first year and $65/y after. CC gives you 3% Cashback on first spending category, 2% for second, then 1% rest. r/personalfinance. how to design business cards Works like an IRA - there is a max annual contribution ($2000), and it grows tax deferred and distributions are tax free if spent on eligible education expenses. You would be the responsible individual on the account until your kiddo hits 18 or 21. You can typically invest in any type of security in this type of account, but a good growth fund ...Just wanted to know everyone's experiences with the savings account since it looks like I'm going to be jumping off AMEX's HYSA to join Discover. Anything from user experience, customer service, issues. I've been lurking around and have been seeing that the funds tend to have a 10-15 day hold. I just wanted to make my first transfer as smooth ...Best High Yield Savings Account. Saving. Going to move my emergency fund to a HYSA. Currently getting 0.02% so should have done it sooner. Capital one offers 3.5% and Ally … memeacomfortable office chairs Interest rates are cut and stay low when the Central Bank feels the economy need the help of more $$ investment. If you get a High Interest Savings account, it's 2.5% - 2.75%. It's a good option to park cash for an emergency or short term. Foreign savings account rates are much higher for a reason: risk.20 Dec 2023 ... This means I can use it as a normal bank savings account and the money is not fixed for a certain period right? ... Best. Sort by. Best. Top. New.Once flying high on their status as Reddit stocks, these nine penny stocks are falling back towards prior price levels. These Reddit stocks are falling back toward penny-stock pric...Banking & Saving. Savings. Best savings accounts in 2024. 5.16% easy access, 5.35% notice or 5.26% fixed rate. Updated March 4, 2024. Whatever your …The problem is every year or two, the bank spins off a new account type with the highest available interest rate while existing accounts' rates don't go up. So "Savings Builder" was initially good, then they introduced "Savings Connect" and now they have "Platinum Savings." These accounts are identical or virtually identical except for the ... Looking at money saving expert suggests there's a few higher interest rate accounts - Atom Bank at 0.75%. Interest is terrible everywhere right now. In general cash ISAs and savings accounts will have quite low interest (below inflation). Premium bonds are an ok bet, you'll get at minimum what you pay into it back. Possibility of winning more. We wanted to open up a savings account. And we just wanted to see which banks offer the best deals (APY, Opening Bonus, etc) So far, Ally has offered the highest APY at 3.0%. But a few banks were offering a couple of hundred bucks if we deposited a minimum of a specific amount. Appreciate any responses. Ally Bank is the highest I've seen (0.5%) and the one bank I use. Like all banks this rate is severely down since the pandemic (2.2% at one point), but it remains one of the highest with a good interface. I have Marcus by Goldman Sachs, which is also at 0.5% right now. I’ve seen a high of 2.3%. You really can’t go wrong with one of these ... 23 Sept 2022 ... ... savings account that does not have a limited term rate. The best I was able to find was the CI Direct Investing high interest savings account ...Best overall. Capital One 360 Performance Savings. Open Account. Key Stats: APY: 4.35% No minimum opening balance or monthly maintenance fee. Open …24 Jan 2023 ... I have heard great things about TrueWealth.Otherwise, apps like Selma or Invoya should work well for you: good Swiss options for investing ... change spark plugs Not only do many of the best high-yield savings accounts pay 5% interest, but some offer even more. Currently, you can find 5% interest savings accounts at Milli, M1, Bask Bank, UFB Direct, Salem ... Investing in the Philippines. For Filipinos interested in stocks, bonds, mutual funds, ETFs, forex, crypto, banking, business, insurance, and any other topic related to investing money, making money, or growing money in the Philippines. 374K Members. 210 Online. r/phinvest. Best High Yield Savings Rates June 2022. Saving. With interest rates rising, banks have started to update their savings accounts. What are some of the best rates you’ve seen out there? A few years ago I couldn’t find anything that beat Citi Bank’s 2.5% but right now they seem hesitant to increase that, and are currently offering .6%. The one I use has a savings account that starts at 1.25% APY and doubles to 2.5% APY after 12 months of qualifying credits, i.e. total deposits between $5 and $500 each month. Before finding this, I used a Discover online account that started at 1.0% APY but gradually dropped to .85% APY.I’m looking to get an idea on the general consensus of the best high yield savings account in 2021 (Ally vs Vio vs etc?). Due to an ongoing recession etc, many banks and … text adventures For savings, I’d go with a HYSA such as capital one, ally, Alliant Federal Credit Union, CIT bank. All offer 2-3% APY while the big banks give you like 0.01% APY. For checking, it’s probably gonna depend on if you do a lot of cash deposits, need physical branches, want ATM rebates, need loan products, etc. 2.28 Sept 2023 ... Cause, yes, SoFi does require a direct deposit to get the best rate on the savings account. Fidelity Bloom does not, it's just "invested" in ...Open account with Macquarie Move savings into it, after 4 months get your partner to do the same. (If you have one and trust them) After that period move the money into the next bank with the highest rate. Got no partner at the moment. Get your own account with Macquarie. 4 months of 4.5% with no deposit terms.ziggyyT. • 5 mo. ago. Ubank (5%) is the no brainier, just deposit $200 monthly and you can even withdraw it if needed. ING (5.5%) if you don't mind the hoops, which is reasonably easy to meet. WinnieTheBish44. • 5 mo. ago. Macquarie got 5.55% for the first 4 months, no minimum monthly deposits. cremonaviolin. • 5 mo. ago. product owner vs product manager Ally is 3.8%. Marcus is 3.75%. E-trade HYSA is 3.5%. Capital One 360 is 3.4%. But my preference these days is the Vanguard settlement fund, which is automatically deposited in a Federal Money Market (VMFXX), which currently yields 4.5%. All you do is open a Vanguard brokerage and deposit funds. They'll automatically be held in the money market ... 8 Aug 2023 ... Bonkers.ie is now reporting Raisin - BluOr Bank AS with rate of 4.21% for 1year fixed term up to 100k. I've never heard ... Looking at money saving expert suggests there's a few higher interest rate accounts - Atom Bank at 0.75%. Interest is terrible everywhere right now. In general cash ISAs and savings accounts will have quite low interest (below inflation). Premium bonds are an ok bet, you'll get at minimum what you pay into it back. Possibility of winning more. Hello! I suggest you apply for an RCBC Instacard. 10k yung minimum holdout amount and 95% nun ang magiging credit limit mo. So kung magdedeposit ka ng 10k, 9.5k magiging credit limit mo. Suggestion ko ay maglagay ka ng at least 15k sa account mo para may matirang 5k kapag kinuha nila yung holdout amount sa account mo.5.4% intro, then 4.4% for savings account. Use my referral link below and I bump up from 4.4% to 5.4% for three extra months and so do you. If you don’t feel comfortable using a Reddit link - I get it - just search “Marcus Savings Account by Goldman Sachs” and I believe you get the same offer (the 5.4% percent for three months then 4.4% ...Alliant Credit Union is one that is often mentioned - they have a history of paying high rates but right now it's at a lower than the leaders 0.80%. Netspend has a savings account attached to their prepaid card with a 5% interest rate. You can load for free via direct deposit or bank transfer. driving in germanyhearthstone battlegrounds cards 21 Apr 2023 ... I like CapOne because of the large atm network for checking and transfers, billpay etc are easy and you can deposit cash at CVS but it's the ...Since my grandmother established my account in 2005, they’ve paid a total of 4 dollars in interest. The WF customer service guy who helped me end the account said he was personally sorry. I bank with capitol one now. A 3.5% interest rate versus WF 0.01%.SBI - free. I would go with ICICI. Also, look it up, almost all of them, icici, hdfc etc offer a student bank account will nil or very low minimum balance. And what you are talking about is AQB, average quarterly balance, every single bank will charge you if you are unable to maintain that.Savings account: FDIC insured up to $250k, "perfect" safety. liquid within ~1 day (even if the bank collapses, FDIC opens it up in a day) rates around 2.25% or so. reg D, so only 6 withdrawals (ACH and such, teller withdrawals not restricted) Money market fund: not FDIC insured, but can be invested in 100% treasuries for basically the same safety.Feb 27, 2024 · JPMorgan Chase. JPMorgan Chase & Co. has more than 4,800 domestic branches, but its flagship Chase Savings account has an interest rate well below 1%, and charges a $5 monthly maintenance fee ... I get 3% on my CU checking account. It’s absurd, definitely the way to go. And the app/online is just as good as any national bank. FYI, when I got my first job out of college, I was shocked at how much my "start up" costs were... There was first months and last months rent plus a damage deposit for my new apartment; new furniture ...In today’s digital age, having a strong online presence is crucial for the success of any website. With millions of users and a vast variety of communities, Reddit has emerged as o...Discover how the soon-to-be-released Reddit developer tools and platform will offer devs the opportunity to create site extensions and more. Trusted by business builders worldwide,...28 Sept 2023 ... Cause, yes, SoFi does require a direct deposit to get the best rate on the savings account. Fidelity Bloom does not, it's just "invested" in ...7 May 2023 ... You better bet we use a HYSA! I have a certainly amount automatically move over to checking and then periodically top up the cash account with ...Some of the best RRSP saving and investing accounts include: Best RRSP savings account: EQ Bank RSP Savings Account *. Best robo-advisors: Questwealth Portfolio and Wealthsimple Invest. Best ...I think its best to save on the same bank with your payroll account if you are working in a company.. Its very convinient because you can do the transfer online without fees and without going to the actual bank. whatevercomes2mind. • 4 yr. ago. If you want higher interest rate, go for Gcash, CIMB or ING. r/phinvest. service engine soon light nissan For savings, I’d go with a HYSA such as capital one, ally, Alliant Federal Credit Union, CIT bank. All offer 2-3% APY while the big banks give you like 0.01% APY. For checking, it’s probably gonna depend on if you do a lot of cash deposits, need physical branches, want ATM rebates, need loan products, etc. 2. Hdfc, icici, axis and/or Kotak. Hdfc and axis have good credit cards so maybe they hold an edge over the others if you want a long term relationship. marshaler. • 7 mo. ago. ICICI Bank has the best mobile app, you can do anything and everything from that mobile app. The best high-yield savings rates currently range from 4.50% APY to 5.25% APY—far higher than the national average savings account rate of 0.46% according to …6% at H-E-B Debit. $2,000 maximum. Requires some activity every 90 days to avoid fees, a $1 ACH push is sufficient. 5% at Service Credit Union. $500 maximum, you can also get 3% on an additional $3,000. 4.07% at Genisys Credit Union. $7,500 maximum, requires 10 debit purchases of $5 or more each month. invincible where to watch Looking for suggestions for the best High Yield Savings or similar accounts. No need for local/branch access, online only is fine. For context, this isn't for me, but someone I know. She has a side gig (fully taxed with paychecks) and is going to max out her Roth contributions each year but will still have about $12k annually from this side gig.You can buy US bonds in increments of $1000, they would be the highest savings rate you can get that's backed by the US government. EDIT: I want to add I'm aware that bank deposits are insured by the government up to a certain amount. But generally, outside some rare/capped interest rates the best you'll get are bonds.1. UniversityHot4132. • 1 yr. ago. I have discover credit card for years and didn’t face any issues. Recently saw their promo for $450 bonus and 3% interest rate. So, decided to transfer money to their account. Did two transfers and my account was frozen. I had a similar story to the person below. surrender my dogvegan handbags 1. MLHHEISENBERG. •. Yeah less than $50000 but if your age or amount of money exceed, then it goes down to 3.00%. As I have under $50000, my plan is to keep it there until then but once it exceeds, switch it to the next highest savings …Why we like Cornerstone Money Market Savings Account Best high-yield savings account for no fees. Vio Bank is a great option for those who want a high-interest savings rate, with no frills or fees. The digital bank’s Cornerstone Money Market Account offers a highly competitive interest rate of 4.88% APY. formula to get the area of a triangle I’ve got 3 savings accounts set up with Cap 1 for different purposes, plus a checking account. I still have accounts with Wells Fargo and Chase for better ATM access, but …Milli Bank: Boasting a 5.50% APY with no minimum balance requirement, Milli is a strong contender for the top spot. Andrews Federal Credit Union: Offering a 5.75% APY on balances up to $1,000, it’s an excellent option for smaller savers. MyBankingDirect: With a 5.35% APY and a $500 minimum balance requirement, it’s a solid choice for those ...If you don’t want a credit union, Ally is the next best choice imo. We used to have a capital one checking and savings but they gave us quite the run around last year while we were trying to wire money to close on our house. To say I was pretty upset during an extremely stressful time would be an understatement. 4.18 Jan 2023 ... Since BoQs requirements revolve around the everyday account which is linked to all the savings accounts, you're only required to deposit 1k into ...Banking. 6 Best Alternatives to Savings Accounts. Advertiser disclosure. 6 Best Alternatives to Savings Accounts. Traditional savings accounts tend to have …3.3% at Evansville Teachers Federal Credit Union. $20,000 limit, requires 15 debit purchases (any amount) each month and an electronic deposit. 3% at One Finance. No limit, but funding the 3% account is limited to 10% payroll/benefits direct deposits, up to a maximum of $1,000 per month. Although not strictly a checking or savings account, it's ...The 6% commission, a standard in home purchase transactions, is no more. In a sweeping move expected to dramatically reduce the cost of buying and selling a …Choose whatever bank suits your needs. Checking accounts are largely commodities and it doesn't truly matter who you use. Ill give a vote for not using Ally. You'd think that since they are an online-only bank they would care about having a working app, but their android app hasn't worked for months now. Personally I use Bank of America and ...Like u/DavidTVC15 said, I too have a checking, savings, and CC with Discover, but have only been a client for about two years.. I haven't experienced the issues others experienced either, even after depositing nearly $6,000 into my HYSA with them. From what I've seen and gathered from people who've experienced issues - it seems that accounts that are recently opened are …If you think that scandalous, mean-spirited or downright bizarre final wills are only things you see in crazy movies, then think again. It turns out that real people who want to ma... how to earn money on your phone Some keep it in a money market account, others their savings account. I’ve started my first full time big boy job and making about $91,000 a year to start. My employer has a 403(b) but does not match. My goal is to build up about $8,000 in emergency fund and I was wondering what are some relatively safe options to store it in. 6 Mar 2023 ... I went with Capital One checking + savings which even though is not the highest APY is competitive. The best thing of this combo is that opening ... 5.4% intro, then 4.4% for savings account. Use my referral link below and I bump up from 4.4% to 5.4% for three extra months and so do you. If you don’t feel comfortable using a Reddit link - I get it - just search “Marcus Savings Account by Goldman Sachs” and I believe you get the same offer (the 5.4% percent for three months then 4.4% ... pawtree dog food The most alluring aspect of this savings account is its competitive APY, easily up there with our best high-yield savings accounts. ... aside from the odd Reddit …26 Feb 2023 ... As of 2/25/2023, that is 4.080%. For me, that beats most of the High-Yield savings plans I get, though some of the rates by @Werewolfdad ( https ... Ally Bank is the highest I've seen (0.5%) and the one bank I use. Like all banks this rate is severely down since the pandemic (2.2% at one point), but it remains one of the highest with a good interface. I have Marcus by Goldman Sachs, which is also at 0.5% right now. I’ve seen a high of 2.3%. You really can’t go wrong with one of these ... Reddit, often referred to as the “front page of the internet,” is a powerful platform that can provide marketers with a wealth of opportunities to connect with their target audienc... askwonder 6% at H-E-B Debit. $2,000 maximum. Requires some activity every 90 days to avoid fees, a $1 ACH push is sufficient. 5% at Service Credit Union. $500 maximum, you can also get 3% on an additional $3,000. 4.07% at Genisys Credit Union. $7,500 maximum, requires 10 debit purchases of $5 or more each month.25 Nov 2023 ... Keanu Reeves. See more. RESOURCES. About Reddit · Advertise · Help · Blog · Careers · Press · Communities · Best of...Users share their opinions and experiences on different online and local savings accounts that offer interest rates, bonuses, and features. See the pros and cons of various options …27 Jun 2023 ... 5.65% up to 100k then 3% up to a million. It's under the BOQ umbrella so be aware if you have more than 250k under either ...Not only do many of the best high-yield savings accounts pay 5% interest, but some offer even more. Currently, you can find 5% interest savings accounts at Milli, M1, Bask Bank, UFB Direct, Salem ... Looking at money saving expert suggests there's a few higher interest rate accounts - Atom Bank at 0.75%. Interest is terrible everywhere right now. In general cash ISAs and savings accounts will have quite low interest (below inflation). Premium bonds are an ok bet, you'll get at minimum what you pay into it back. Possibility of winning more. A friend of mine suggested I scroll through some different personal finance subreddits, and after spending hours doing that, I walked away with interesting and unique advice that's helped me save ...I opened mine a couple months ago when they were offering $450 with deposit of $35000. I had a hard time transferring money from our PenFed savings to discover when I opened my account. So I had PenFed mail me a check then turned around and deposited into Discover account. Received the $450 a few days later in my account.SBI - free. I would go with ICICI. Also, look it up, almost all of them, icici, hdfc etc offer a student bank account will nil or very low minimum balance. And what you are talking about is AQB, average quarterly balance, every single bank will charge you if …Money market deposit accounts are essentially the same as savings accounts and have deposit insurance. Money market mutual funds, on the other hand, are mutual funds which don't have deposit insurance to guarantee against losses, though they invest in the lowest risk securities so it is still extremely unlikely you will lose money in them.20 Nov 2023 ... Best of Reddit · Topics · Content Policy · Privacy ... Yes, funds held in your bank account (Revolut Bank ... Dutch bank with 3.55% interest ra...Looking for suggestions for the best High Yield Savings or similar accounts. No need for local/branch access, online only is fine. For context, this isn't for me, but someone I know. She has a side gig (fully taxed with paychecks) and is going to max out her Roth contributions each year but will still have about $12k annually from this side gig.6 Mar 2023 ... I went with Capital One checking + savings which even though is not the highest APY is competitive. The best thing of this combo is that opening ... CIMB - PHP savings. As of March 1, 2021, base interest rate is 2.5% p.a. for UpSave account holders and 2.6% p.a. for GSave. You can still earn 4% interest rate through various promotions. Interest accrued monthly. With KYC. Centralized. Withdraw instantly via Gcash card or send to any bank you want via Instapay. Ally Bank is the highest I've seen (0.5%) and the one bank I use. Like all banks this rate is severely down since the pandemic (2.2% at one point), but it remains one of the highest with a good interface. I have Marcus by Goldman Sachs, which is also at 0.5% right now. I’ve seen a high of 2.3%. You really can’t go wrong with one of these ... playstation rewardsdoes jon Savings account: FDIC insured up to $250k, "perfect" safety. liquid within ~1 day (even if the bank collapses, FDIC opens it up in a day) rates around 2.25% or so. reg D, so only 6 withdrawals (ACH and such, teller withdrawals not restricted) Money market fund: not FDIC insured, but can be invested in 100% treasuries for basically the same safety.You can buy US bonds in increments of $1000, they would be the highest savings rate you can get that's backed by the US government. EDIT: I want to add I'm aware that bank deposits are insured by the government up to a certain amount. But generally, outside some rare/capped interest rates the best you'll get are bonds. good times to hunt deer In 2023 it was Capital One 360. 4.35% interest. 2022 was Vertical Checking from Liberty Federal Credit Union. 3.45% interest. That's my main checking account now. That and USAA. If you open an account, and later on you find another one that piques your interest, it's OK to open up another account. 3 days ago · Here’s a summary of our top accounts organized by the highest APY that one could get. UFB Secure Savings: Up to 5.25% APY. Bread Savings High-Yield Savings Account: 5.15% APY. Bask Interest ... Here, you can share your financial achievements through pictures and stories, ask questions, and offer advice. Whether it's showing off your savings progress, sharing …Like u/DavidTVC15 said, I too have a checking, savings, and CC with Discover, but have only been a client for about two years.. I haven't experienced the issues others experienced either, even after depositing nearly $6,000 into my HYSA with them. From what I've seen and gathered from people who've experienced issues - it seems that accounts that are recently opened are …In today’s digital age, having a strong online presence is crucial for the success of any website. With millions of users and a vast variety of communities, Reddit has emerged as o...A friend of mine suggested I scroll through some different personal finance subreddits, and after spending hours doing that, I walked away with interesting and unique advice that's helped me save ...SBI - free. I would go with ICICI. Also, look it up, almost all of them, icici, hdfc etc offer a student bank account will nil or very low minimum balance. And what you are talking about is AQB, average quarterly balance, every single bank will charge you if …The way I structured it personally is to keep a float like yourself in my chequing/savings. That keeps the lights on and waives a credit card fee (so I’m actually returning $150 on holding $5k at the bank; 3% return). I do keep an extra $2-3k float in a HISA for my piece of mind, in the form of “travel savings/slush fund accumulated”.Interest rates were also so low at the time it wasn’t worth having to wait days between transfers for the small difference in rates. Now that discover savings interest is at 1.8% and my chase savings interest rate is 0.01% it makes sense for me to transfer my chase savings (about $50,000) into my discover savings account.Works like an IRA - there is a max annual contribution ($2000), and it grows tax deferred and distributions are tax free if spent on eligible education expenses. You would be the responsible individual on the account until your kiddo hits 18 or 21. You can typically invest in any type of security in this type of account, but a good growth fund ...6% at H-E-B Debit. $2,000 maximum. Requires some activity every 90 days to avoid fees, a $1 ACH push is sufficient. 5% at Service Credit Union. $500 maximum, you can also get 3% on an additional $3,000. 4.07% at Genisys Credit Union. $7,500 maximum, requires 10 debit purchases of $5 or more each month.2 Nov 2023 ... I use Marcus, haven't had any issues. Easy to transfer in/out, no direct deposits needed. things to do near williamstown kybest place to buy diamonds The best savings rates in March 2024. Our experts regularly scour the market for the best rates so you don't have to. Here's what you can currently get, based on how long you're willing to lock your cash up for. The top instant-access rates are based on an initial deposit of £1,000 and for fixed-rate accounts it's £5,000.Looking for suggestions for the best High Yield Savings or similar accounts. No need for local/branch access, online only is fine. For context, this isn't for me, but someone I know. She has a side gig (fully taxed with paychecks) and is going to max out her Roth contributions each year but will still have about $12k annually from this side gig. Top Contenders in the HSYA Game: Milli Bank: Boasting a 5.50% APY with no minimum balance requirement, Milli is a strong contender for the top spot. Andrews Federal Credit Union: Offering a 5.75% APY on balances up to $1,000, it’s an excellent option for smaller savers. MyBankingDirect: With a 5.35% APY and a $500 minimum balance requirement ... CIMB - PHP savings. As of March 1, 2021, base interest rate is 2.5% p.a. for UpSave account holders and 2.6% p.a. for GSave. You can still earn 4% interest rate through various promotions. Interest accrued monthly. With KYC. Centralized. Withdraw instantly via Gcash card or send to any bank you want via Instapay. 5 Nov 2022 ... Macquarie Bank offer fully unconditional, a very competitive everyday account product, and from what I've heard, probably the best online and ... l oven fresh keto bread Wealthfront has the highest yield (I can refer if you like, I reached my max 6 months, so I don't have any rewards). Marcus has the highest intro yield. Capitalone gives you 350 for 500 qualifying deposits. Discover has 1% on Discover Debit Cashback (Debit Card, not Credit Card). CanadianBaconne • 21 hr. ago.When CapOne 360 started offering the current savings account, it was at a higher percentage rate than a different savings account and they didn't tell holders of the older type of account that there was a new offering (they weren't hiding it either, if you visited the website and browsed savings products, you would have seen the new account type and could have just opened …For instance, Digital Federal Credit Union offers an impressive 6.17% APY on its high-yield savings account -- but only on balances up to $1,000. Any balances over that receive a paltry 0.15% APY ... hell house bookbuild a cheap website Are you looking for an effective way to boost traffic to your website? Look no further than Reddit.com. With millions of active users and countless communities, Reddit offers a uni...Secondary market through a major player like Fidelity or Vanguard is also a good option as you can sell at any time. Fidelity doesn’t sell the 4 and 8 week bills, only the 13 week for the shortest. Since rates are rising so quickly, the 4 weeks works well. 15. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. cowboys vs dolphins VUSXX is the fund I’d suggest to most people who want to keep their money as safe as possible while earning high yield. Its yield is currently 5.19% and the interest is about 80% exempt from state tax. SGOV is an ETF (exchange-traded fund), so it’s available at any brokerage. Its yield is currently 5.28%, and interest is almost 100% exempt ...For anything under 25k I would say put it into an account with them. Free, FDIC insured, competitive interest rate .2% last I checked, and makes savings fun and encourages more saving by way of giving you a lotto ticket for every $25 in the account. I've averaged well over 1% every month so far with winnings included. In 2023 it was Capital One 360. 4.35% interest. 2022 was Vertical Checking from Liberty Federal Credit Union. 3.45% interest. That's my main checking account now. That and USAA. If you open an account, and later on you find another one that piques your interest, it's OK to open up another account. las vegas 2 room suites on the stripchichen itza tour VUSXX is the fund I’d suggest to most people who want to keep their money as safe as possible while earning high yield. Its yield is currently 5.19% and the interest is about 80% exempt from state tax. SGOV is an ETF (exchange-traded fund), so it’s available at any brokerage. Its yield is currently 5.28%, and interest is almost 100% exempt ...8 Best High Yield Business Savings Accounts in 2023 [Definitive, 16, 2024 at 2:58 p.m. Tab bank — 5.27% apy; The 8 Best High Yield Savings Accounts of 2023, Ufb direct — 5.25% apy; You’ll be in good shape if you can get an. Best HighYield Savings Account Rates For January 2024, 16, 2024 at 2:58 p.m.The best high-yield savings account rate from a nationally available institution is 5.50% APY, available from Poppy Bank. That's nearly 12 times the FDIC's national …For a general emergency fund, you want a high yield savings account at a bank like Ally, Capital One, CIT bank, etc. If you have T-Mobile, you can get a MONEY account. 4% on the first $3k and 2.5% on anything over the $3k. To get the 4% you have to make 10 debit card purchases, so I reload my Amazon gift card for 50¢.14 Jan 2024 ... I've used Ally, Discover Bank and CapitalOne over the years. All have rates very similar round 4.35% and don't have restrictions like minimum ...assuming you live in US, open a 529 savings plan once you receive the kids social security number (you have to have it to start a 529). It’s a tax advantaged savings plan for college. You put after tax dollars in now and then for education expenses down the road the investment income is tax free.The most alluring aspect of this savings account is its competitive APY, easily up there with our best high-yield savings accounts. ... aside from the odd Reddit …Advertising on Reddit can be a great way to reach a large, engaged audience. With millions of active users and page views per month, Reddit is one of the more popular websites for ...But you've said a high inflation scenario equates to high returns. The last 12months dispute that statement. If you timescale is 2-4 years don't invest in funds. It's useful if you're investing on a longer timescale. Stocks beat inflation over the long term, nothing beats inflation in the short term.Choose whatever bank suits your needs. Checking accounts are largely commodities and it doesn't truly matter who you use. Ill give a vote for not using Ally. You'd think that since they are an online-only bank they would care about having a working app, but their android app hasn't worked for months now. Personally I use Bank of America and ...Here, you can share your financial achievements through pictures and stories, ask questions, and offer advice. Whether it's showing off your savings progress, sharing …7 Aug 2023 ... Best of Reddit · Topics · Content Policy · Privacy ... A high yield savings account is a literally a savings account. ... Opening up a high inte... Look at High Yeild Savings Accounts. They're offering interest in the range of 2-2.5%. Make sure you find one with no minimum deposit and no fees. Personally I like AMEX, but places like Marcus (Goldmann Sachs) and Ally, have higher interests rates. Literally just about any of them. If you want to keep your banking products together, get Amex. If you want to get 0.70% higher (5.05%) APY on your deposit, then I recommend CIT Bank Platinum savings. Choosing a HYSA is not a complicated thing. If you're going to park money then you want the best APY. I have CIT Bank, Amex, Discover and PNC HYSA. Literally just about any of them. If you want to keep your banking products together, get Amex. If you want to get 0.70% higher (5.05%) APY on your deposit, then I recommend CIT Bank Platinum savings. Choosing a HYSA is not a complicated thing. If you're going to park money then you want the best APY. I have CIT Bank, Amex, Discover and PNC HYSA. I am looking to move my savings from TD to any bank which provides a good interest rate. After some research, I see Tangerine is the best option. As their TFSA provides 3% for 1st 6 months, following that its 1.25%. No additional fees. If needed, I can move money from their saving accounts to my other bank checking account with no fees. 27 Jun 2023 ... 5.65% up to 100k then 3% up to a million. It's under the BOQ umbrella so be aware if you have more than 250k under either ... custom disney t shirtsnational lampoons christmas Hi, I am planning to keep 20k in the high interest savings account. I am not planning to withdraw that amount for next 2-3 years. What are the best savings account options to invest this money? I don’t want to put this money in ETFs or stocks as I am already buying stocks and ETFs under my RRSP and TFSA accounts. Thanks in advance.The best high-yield savings accounts in our banking review can boost your short-term savings with rates of up to 5.25% annual percentage yield (APY). relief advisory approval department What is the best high interest savings account with little or no limitations for larger amounts like 7 figure deposits? Most banks limit percentage once over $250kTangerine has a free USD Savings Account which currently has a promo of 1.75% through June. Dragynfyre. • 3 yr. ago. There are no good savings accounts for USD in Canada. Gboard2. • 3 yr. ago. Tangerine if you get their new customer or insight promo will often include usd accounts for their promo rates. Some of my considerations aside from the interest rates are: (1) Maintaining balance, (2) Additional fees associated with opening/maintaining the account, (3) Safety & security, (4) Customer service, (5) Convenience (if I can easily cash in or transfer to other banks). Would love to hear the Pros and Cons of your banking experience! Chase Freedom Unlimited® · On Chase's secure site. Rewards ; LendingClub High-Yield Savings · LendingClub Bank, N.A., Member FDIC. Annual Percentage Yield (APY).Best overall. Capital One 360 Performance Savings. Open Account. Key Stats: APY: 4.35% No minimum opening balance or monthly maintenance fee. Open …I highly recommend Betterment's savings accounts. Their rate is currently .40% and rises with the economy (used to be around 2% in 2019). Plus they have "bucketing" features and refund all (global and conversion fees) debit card fees from their connected checking account. bergmi • 2 yr. ago.Secondary market through a major player like Fidelity or Vanguard is also a good option as you can sell at any time. Fidelity doesn’t sell the 4 and 8 week bills, only the 13 week for the shortest. Since rates are rising so quickly, the 4 weeks works well. 15. Online lang. [deleted] • 4 yr. ago. Wala naman "best savings account" nasa iyo naman if okay sayo ang bank kasi most brick and mortar banks offer around 0.1%-0.5% interest rate for a basic savings account (yung mababa lang maintaining balance) and then there's the digital banks ING and CIMB na nagooffer ng 2.5% (pagwala na sila mga promo ... Online Brokerage ( with banking features) Unlimited refunds. 0% (1% if debit purchase) 2. High Yield Checking, no fee for overdrafts or insufficient funds. No. Navy Federal Credit Union. Online Credit Union 1. $10 or $20 in refunds/month, 28,000+ free ATMs 3. 1.8% or 1% (0.8% or 1% if debit purchase)Not only do many of the best high-yield savings accounts pay 5% interest, but some offer even more. Currently, you can find 5% interest savings accounts at Milli, M1, Bask Bank, UFB Direct, Salem ...No bonuses available. Best For. Children with a few bucks who want to start saving. Garden Savings Federal Credit Union's Kids Club Savings Account is a basic children's savings option that features a strong interest rate on all balances. In fact, with just a $5 minimum, your child will receive a 0.50% APY. Looking at money saving expert suggests there's a few higher interest rate accounts - Atom Bank at 0.75%. Interest is terrible everywhere right now. In general cash ISAs and savings accounts will have quite low interest (below inflation). Premium bonds are an ok bet, you'll get at minimum what you pay into it back. Possibility of winning more. A website’s welcome message should describe what the website offers its visitors. For example, “Reddit’s stories are created by its users.” The welcome message can be either a stat...Hello! I suggest you apply for an RCBC Instacard. 10k yung minimum holdout amount and 95% nun ang magiging credit limit mo. So kung magdedeposit ka ng 10k, 9.5k magiging credit limit mo. Suggestion ko ay maglagay ka ng at least 15k sa account mo para may matirang 5k kapag kinuha nila yung holdout amount sa account mo.Capital One doesn't have fees, they give 0.1% interest on checking accounts and 0.4% on savings accounts, and they have branches all over. Chase sucks. ChubbsMcLubbs. • 2 yr. ago. I also invest with fidelity. I moved my checking to fidelity as well and love it. No fees, including ATM fees being refunded.Users share their opinions and experiences on various banks and credit unions that offer high interest rates for savings accounts. See links to comparison sites, reviews, and …7 May 2023 ... You better bet we use a HYSA! I have a certainly amount automatically move over to checking and then periodically top up the cash account with ...Previously I had used Sofi Money as a place to hold my savings and especially using its Vaults feature. But now that one can only get 1% from a direct deposit - previously I should use ACH bank to bank transfers and still got the .25%/.50% - I'm sort of out of luck in that department since I use a physical bank to deposit my checks. pool service softwarehotspot t mobile free Although Schwab is nearly perfect, I realized it was lacking in one thing: a high-yield savings account. Oh, it does have a savings account with that exact name, the Charles Schwab High Yield Investor Savings account, but the actual interest rate is somewhat laughable, a paltry 0.12%. I then focused my obsession on finding a savings account ... In today’s digital age, having a strong online presence is crucial for the success of any website. With millions of users and a vast variety of communities, Reddit has emerged as o...I think its best to save on the same bank with your payroll account if you are working in a company.. Its very convinient because you can do the transfer online without fees and without going to the actual bank. whatevercomes2mind. • 4 yr. ago. If you want higher interest rate, go for Gcash, CIMB or ING. r/phinvest.Unlike Twitter or LinkedIn, Reddit seems to have a steeper learning curve for new users, especially for those users who fall outside of the Millennial and Gen-Z cohorts. That’s to ...ziggyyT. • 5 mo. ago. Ubank (5%) is the no brainier, just deposit $200 monthly and you can even withdraw it if needed. ING (5.5%) if you don't mind the hoops, which is reasonably easy to meet. WinnieTheBish44. • 5 mo. ago. Macquarie got 5.55% for the first 4 months, no minimum monthly deposits. cremonaviolin. • 5 mo. ago.23 Sept 2022 ... ... savings account that does not have a limited term rate. The best I was able to find was the CI Direct Investing high interest savings account ...Reddit's advertising model is effectively protecting violent subreddits like r/The_Donald—and making everyday Redditors subsidize it. Reddit has a problem. The website has always p... cheap meals near me One trick to saving money is to make a monthly budget based on 4 weeks pay. Factor in your rent/mortgage, bills, gas, etc. plus whatever you can save for your travel fund. The trick comes at the the end of the year because 12 months x 4 weeks = 48 weeks, but there are actually 52 weeks in a year. So you just saved an extra 4 weeks of pay.What is the best high interest savings account with little or no limitations for larger amounts like 7 figure deposits? Most banks limit percentage once over $250k A place to discuss the in and outs of banking. Community, regional investment, commercial or consumer, come on in. Please review subreddit rules before posting. 2022 Banking and Account Recommendation Thread. Please use this thread for recommendations or recommendation requests for banks, accounts, loans, credit cards, financial management apps ... For savings, I’d go with a HYSA such as capital one, ally, Alliant Federal Credit Union, CIT bank. All offer 2-3% APY while the big banks give you like 0.01% APY. For checking, it’s probably gonna depend on if you do a lot of cash deposits, need physical branches, want ATM rebates, need loan products, etc. 2. dog poop picker upper2023 camery ---2