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In recent years, savers have earned exceptionally high yields thanks to a series of interest rate hikes designed to combat inflation. Yields have dipped slightly since September, when the Federal Reserve cut the federal funds rate for the first time in over four years, followed by rate cuts in November and December. Rates may decline further in 2025 if the Fed continues to cut rates as it has signaled. Despite the recent drop, a high-yield savings account can be a safe option to earn interest on your money without committing to a long-term investment like a certificate of deposit (CD) . With the possibility of interest rate cuts looming, it's logical to question whether the days of elevated yields are behind us and whether high-yield savings accounts are still worth it. Let's examine the question more closely. Start comparing your best high-yield savings options online now . Yes, a high-yield savings account is still worth opening (and why) If you're looking for a safe place to park your money and earn interest, it's still hard to beat a high-yield savings account. The best HYSAs are still offering APYs around 4%, roughly nine times more than the current average savings rate of 0.43%, which includes rates earned in regular savings accounts . Unlike CDs, which often charge penalties for early withdrawals, these accounts allow you to access funds when needed. "HYSAs are absolutely still worth opening because they're easy to understand and offer more yield than a standard savings account," says Andrew Herzog, associate wealth advisor at The Watchman Group. "I would highly recommend consumers find a high-yield savings account to store their funds. More experienced investors could directly purchase Treasuries for a higher yield, but a HYSA is the easiest and most liquid option," Herzog says. Cathleen Tobin, a CFP and financial planner at MoonBridge Financial Design, also recommends HYSAs for short-term savings goals. "High-yield savings accounts are still a good place to keep cash that the owner expects to use in the next six to 12 months. It's easy to forget that interest rates were close to zero just two years ago. Today, even after the rate cuts, high-yield savings accounts are still paying 4% or more in interest. Even if rates drift down over the coming months, the money in the account will be accessible and earn more than inflation," Tobin says. Find out how much more you could be earning with the right savings account . No, a high-yield savings account is not worth opening (and why) While high-yield savings accounts are ideal in the short term, they may not be worth opening if you have a longer savings horizon. HYSAs have a variable interest rate, which could go down if the Fed continues to lower rates in 2025. "A HYSA is the best place to park your funds for a goal in less than a year. However, if your goal timeframe is longer than a year, consider a CD if the interest rate offered is higher than that of the HYSA. Once your goal timeframe is beyond three to five years, consider other investing options such as bonds or less risky stocks," Jovan Johnson, a CFP and co-owner of Piece of Wealth Planning. In the current rate environment, it might be advantageous to lock in a longer, fixed-rate CD for a term ranging from one to five years. By shopping for a top-yielding CD today, you may secure a yield of 4% or more and safeguard your savings against potential rate cuts. "Something to keep in mind is that interest rates can decline, which may reduce your earning potential over time," says Melissa Murphy Pavone, founder of Mindful Financial Partners. "You must always take into consideration inflation. If the return on your high-yield savings is not outpacing inflation, your purchasing power is eroding — a.k.a. 'going broke safely.'" Johnson adds that high-yield savings accounts may not be the best option for savers looking for maximum growth potential. "HYSA interest rates typically only keep pace with inflation. If your goal is to achieve gains that outpace inflation, you may need to explore more aggressive investment options," Johnson says. Benefits of opening a high-yield savings account now If you're considering opening a high-yield savings account, it may be advantageous to do so before rates potentially fall again. Keep in mind, however, that rate cuts aren't set in stone — there's still a chance they might go up instead. The funds you stash in a high-yield savings account are always accessible, which is preferable if you anticipate needing the funds in the near future. A CD allows you to lock in today's rate for the long term, but you'll pay an early withdrawal penalty if you have to pull out funds before the CD matures . The bottom line You can still benefit from high rates by opening a high-yield savings account now, especially if you're saving for a short-term goal and need penalty-free access to your funds. If you're on a longer savings timeframe , you might turn to a CD, Treasury bills or other options that let you lock in a higher, guaranteed rate that isn't impacted by fluctuating interest rates. It's a good idea to consult your financial planner or tax advisor to choose the best account that fits your overall financial plan. Tim Maxwell is a freelance writer who covers investing, real estate, banking, credit education and other personal finance topics.ISTANBUL The killing of UnitedHealthcare CEO Brian Thompson in New York earlier this month has renewed debates about the role of insurance companies in the American healthcare system. On Dec. 4, Brian Thompson, the CEO of the largest health insurance company in the country, was shot and killed outside a hotel in Manhattan. The words “deny,” “defend,” and “depose” were engraved on ammunition found at the scene, echoing common tactics used by insurers to avoid paying claims. Authorities have arrested Luigi Mangione as the prime suspect in the murder. Mangione who has expressed resentment for the health insurance industry in his writings and posted his frustration with the US medical system. Shortly after, he became an online phenomenon, with many hailing him as a "modern-day hero," while a fundraiser for his legal defense raised thousands of dollars. The 26-year-old Ivy League graduate, who was arrested in Pennsylvania, faces state and federal charges, including murder, stalking, and firearms offenses. He has pleaded not guilty to the state charges and, according to his lawyer intends to fight the rest as well. The killing was a "horrific event" according to Unai Montes-Irueste of People's Action, a reflection of not just the country's gun violence epidemic, but its "healthcare crisis" as well. The media strategy director of the Chicago-based advocacy group states that the US healthcare system is "flawed and broken," citing for-profit health companies as the reason why Americans often lack care. For-profit health companies in the US are private entities, such as insurers, pharmaceutical companies, and healthcare providers. While regulated by the government, these companies focus on maximizing financial returns with their healthcare provision services, though their impact on patient care has been hotly debated. ‘The problem unified all Americans’ "There are at least 248 million instances of people being denied medically necessary care in the US, despite the population being only 330 million," Montes-Irueste told Anadolu. He explains that care denials have become a core strategy for these corporations to avoid costs, thus maximizing profits. According to him, companies maximize profits "at every level of care ... at the pharmacies, with physicians, and by charging people fees that are out-of-pocket." Claim denials occur when health insurers refuse to cover medically necessary treatments or procedures, leaving patients to either forgo care or face large medical bills. According to People’s Action, only a small fraction — just over 0.1% — of people appeal denied claims, the process being "intentionally" complex and time-consuming. "In the US, it is very common for people to set up crowdfunding or other means to fund the care they need — or they simply go without it, suffering and ultimately dying," Montes-Irueste says. After the killing of UnitedHealthcare CEO Thompson, many Americans shared stories online about insurance denials and the devastating financial and emotional toll on their families. The media strategy director for People’s Action explained that the healthcare crisis affects all Americans, regardless of background, race, state, or political party. "We are very united on this issue," he says, despite the "political divisions" revealed in recent elections. Concerns over health care under Trump Montes-Irueste suggests that under President-elect Donald Trump's second term, the country is likely to see an "increasing trajectory" toward the full privatization of care. "They will need to offer solutions to meet the scale of need, or the American people will hold them accountable," he says. "I don't expect anyone to stay quiet on this issue between December and the inauguration in January." Trump has stated his intention to overhaul the Affordable Care Act, the Obama-era program providing health insurance to millions of Americans who do not qualify for government assistance or employer-sponsored plans. However, in an interview with NBC News earlier this month, Trump mentioned having only "concepts of a plan" for health care, offering no specific details. During the US elections early last month, Montes-Irueste pointed out record earnings by UnitedHealth, the parent company of the insurer Thompson ran, and questioned whether patients were benefiting. "What about the people who are policyholders under UnitedHealth? Are they receiving record quality of care improvements, or is the quality of their care completely irrelevant to the money that you're taking in?" he asked. UnitedHealth Group CEO Andrew Witty recently wrote a guest essay for the New York Times titled "The Health Care System Is Flawed. Let's Fix It." He honored the late Thompson for his dedication "working to make health care better for everyone," while acknowledging that the system "does not work as well as it should" in the US. Unai Montes-Irueste of People's Action criticized the essay, describing it as a "very rich statement" from someone with significant control over the system. Addressing the problem demands action, he said, not "incremental changes around the edges" or "PR campaigns from CEOs" that will no longer be accepted by the American people.Firefighters and passengers hurt after train hits fire truck on crossing

Top SEC QB Announces Return For One More SeasonPrime Minister Anthony Albanese and AFP commissioner Reece Kershaw (Image: AAP/Dominic Giannini) Immediately following the horrific antisemitic arson attack on the Adass Israel synagogue, before perpetrators or their motives had even been revealed — and before our communities had a chance to catch our breath — politicians and interest groups started capitalising on the attack by advocating for increased policing and a law and order response. As a Jewish historian, I’m deeply concerned that this approach fundamentally misunderstands antisemitism and how to combat it. Antisemitic arson attacks on synagogues and cars are beyond the pale and an attack on our collective values of diversity. The perpetrators must be investigated and held to account for the terror they have instilled in Jewish communities. But a broad police crackdown — including targeting protests, as suggested by Jillian Segal, the special envoy to combat antisemitism — will not make even a small dent in antisemitism. A synagogue minutes from my home was set ablaze. This is why many Jewish Australians live in fear Read More The Australian Federal Police has set up special operation Avalite , a mobile squad of counterterrorism investigators who will have expanded powers to focus on threats, violence and hatred toward the Australian Jewish community and parliamentarians. There is a real problem of antisemitism in Australia, but it can not be solved by more policing. It’s a problem of racism. At the Jewish Council of Australia, where I am executive officer, we cop antisemitic abuse daily — from the far right, from conspiracy theorists, from Zionists attacking our Jewish identity, and from a lot of people who think we are somehow responsible for Israel’s genocide. It’s well documented that antisemitic incidents increase whenever Israel is committing atrocities. Jewish identities trace back more than 3,000 years and span many cultures and traditions. Zionism is a political ideology with Jewish and non-Jewish adherents, just over 120 years old. When the media, politicians and pro-Israel lobby groups all consistently assert a fictitious, absolute alignment between Jewish identity in Australia and the actions of Israel, it’s not hard to see why a racist idea takes hold that Jews as a whole are to blame for Israel’s actions. But this form of racism does not take place in a vacuum. Contrary to Zionist rhetoric, antisemitism is a historical and political phenomenon , not an “eternal hatred” that simply recurs in all societies for thousands of years. It is not a pathology or a problem of “antisemites”, or an issue simply of the far right or far left. Antisemitism is a form of racism that has come to the fore at various points throughout Australian society since the 1890s, shaped by broader racial ideologies. Racism against different groups in Australia has always been tied to geopolitics and Western imperialism: from invasion and colonisation, to competition with China, to the War on Terror — from the exclusion of Chinese people through to panics around asylum seekers and Muslim migrants. White Jews in Australia were mostly considered “white” until the 1930s, when potential Jewish migrants — refugees from Germany and Austria — were racialised and considered unassimilable. Throughout the 1940s and early 1950s, Australia’s immigration policies discriminated against Jews. In the late 1940s, antisemitism was exacerbated by fears of Jewish terrorism in Palestine and stereotypes portraying Jewish Holocaust survivors as clannish, communist agents, black marketeers and anti-British. These racist ideas mirrored those directed against Asians, illustrating how antisemitism in Australia has always intertwined with and reinforced other forms of racism. ‘They’ll be more upset’: Albo flags shift in Australia’s Israel-Palestine position at private Labor event Read More Understanding antisemitism requires seeing beyond an exceptionalist narrative. It demands we recognise how racism works through an interconnected racial order that continually redraws boundaries of power and belonging. The Human Rights Commission’s recently released national anti-racism framework draws these links and gives us a solid plan to tackle all forms of racism across Australian society. The spectacle of arrests in a law and order crackdown, likely including some of the favourite Muslim and Palestinian targets of pro-Israel Jewish groups and the right-wing press, will serve as national security/anti-terror theatre. The optics aim to reassure the public, and Jews in particular, but they do so by racialising and marginalising others. The Scanlon Foundation’s recent “Mapping Social Cohesion” report found that negative attitudes towards Jewish people have increased from 9% in 2023 to 13% in 2024. While this is certainly worrying, it pales in comparison to the now one in three (34%) adults that have a somewhat or very negative attitude towards Muslims (up from 27%). These figures can’t be separated from the rhetoric of “anti-terrorism” and Israel’s genocidal war, which has seen anti-Palestinian and anti-Muslim racism proliferate . True safety for Jewish communities cannot be achieved through divisive crackdowns that associate Jews and the fight against antisemitism with the police and state power. The continued exceptionalisation of antisemitism, treating it as a standalone or special type of racism — put starkly by Senator Dave Sharma who recently condemned ALP ministers for talking about a “fictitious Islamophobia” in the same breath as antisemitism — is a recipe for the continued use of Jews as political footballs by both major parties and the entrenchment of anti-Jewish attitudes. Jewish communities deserve real protection — not a false sense of security purchased at the expense of other marginalised groups. We need solutions that address the roots of antisemitism in the broader problem of racism in Australian society, not law enforcement theatre that only breeds more division. Have something to say about this article? Write to us at letters@crikey.com.au . Please include your full name to be considered for publication in Crikey’s Your Say . We reserve the right to edit for length and clarity.Famous people making comic book cameos isn’t a new phenomenon and has become somewhat of a tradition these days. Whether as a publicity stunt, homage, or just plain fun, these appearances have always been something fans look forward to. From the presidents to the rappers no one is off limits when it comes to appearing in comics . So, let’s take a closer look at some of the most iconic (and sometimes hilarious) moments where celebrities have teamed up with superheroes. 1. Abraham Lincoln Abraham Lincoln’s larger-than-life legacy extends far beyond history books. Surprisingly, he’s a frequent visitor in the comic book world. He has teamed up with Captain America to fight the good fight, appeared alongside Spider-Man , and even made his way into DC’s The Flash. However, perhaps his most unforgettable moment came when he was resurrected as a zombie to take on Deadpool , in a gory, hilarious showdown. Moreover, there’s something undeniably fascinating about seeing one of history’s most revered figures navigating the superhero world. 2. Eminem When you think of Eminem , you think of raw lyrics, breathless rapping, and a love for chaos. That’s why his team-up with Marvel’s Punisher feels like a match made in comic book heaven. In ‘ Eminem/Punisher: Kill You ‘, the rapper crosses paths with Frank Castle, resulting in an explosive adventure. Additionally, the rap icon also had a memorable crossover with Spider-Man. The story features Eminem crossing paths with Peter Parker during a concert gone wrong, with the two teaming up to tackle a villain threatening the crowd. These collaborations were as bold and unpredictable as Slim Shady himself. 3. Muhammad Ali Muhammad Ali stepping into a boxing ring with Superman ? It sounds absurd, yet somehow, it worked and became one of the most legendary comic book moments ever. In the 1978 comic Superman vs. Muhammad Ali, the two icons square off in an intergalactic boxing match to save Earth. Moreover, with no powers allowed, the Man of Steel learns what it means to face a true champion. Spoiler: Ali wins, proving that even superheroes can’t match the “ Greatest of All Time .” 4. Barack Obama Barack Obama ’s love for comic books is no secret. So, his appearance in ‘ The Amazing Spider-Man #583 ‘ was a fan-favorite moment. Released during his inauguration, the issue sees Spidey thwarting an imposter Chameleon who tries to impersonate the President. Naturally, Spider-Man saves the day, and the real Obama gives him a heartfelt fist bump. Moreover, by appearing in one of Marvel’s flagship titles, Obama cemented himself as a pop culture icon as well as a real-world superhero for many. 5. John F. Kennedy Long before Barack Obama’s cameo, John F. Kennedy graced the pages of a Superman comic in a Cold War-era story. Needing a symbol of health and fitness to inspire the nation, JFK calls upon Superman to spread the message. In return, Kennedy helps the Man of Steel by impersonating Clark Kent to protect his secret identity in a heartwarming, albeit cheesy, moment. This crossover was as wholesome as it gets, and perfectly captured the spirit of those days. 6. Stephen Colbert Stephen Colbert is no stranger to the absurd his comic book debut was equally wild. In Marvel’s universe, Colbert runs for president during the 2008 election and even wins the popular vote. Although he doesn’t ultimately take office (a technicality, of course), the campaign featured cameos from several Marvel heroes. Colbert’s geeky persona and sharp wit made his inclusion feel natural. Additionally, his campaign storyline poked fun at politics while celebrating comic books as a space where anything, literally anything, is possible. 7. David Letterman David Letterman hosting The Avengers on his late-night show sounds ridiculous. However, Marvel Studios made it happen in ‘ Avengers #239 ‘. When the Earth’s Mightiest Heroes appear on Late Night with David Letterman, the show’s set is booby-trapped by a villain. Like usual, the Avengers save the day, and Letterman is as unflappable as ever, cracking jokes amid the chaos. Additionally, it confirms the existence of TV hosts in the Marvel universe. 8. Bill And Hillary Clinton The 1990s were a wild time for comics, and nothing proves that more than Bill Clinton and Hillary Clinton attending Superman’s funeral in The ‘ Death of Superman ’. Alongside Lois Lane, Batman, and other fictional characters, the real-life first couple pays their respects to the fallen hero. They even get speaking lines, adding a surreal touch to the otherwise somber story. Their cameo highlights how deeply Superman’s legacy is interwoven with American culture. Moreover, having the Clintons at his funeral was both bizarre and fitting. This article first appeared on FirstCuriosity and was syndicated with permission.

Today, Cancer natives will enjoy a day ripe with personal growth opportunities and domestic harmony. Ideal for family time and property decisions, the day also promotes successful academic and career endeavors. Financially moderate with potential long-term benefits, it's vital to maintain health through balanced activities and mindful indulgences. Today is a favorable day for Cancer natives, filled with opportunities for personal growth and happiness. Domestic harmony will dominate, making it an ideal day to spend time with family and focus on creating a warm and welcoming atmosphere at home. Favorable planetary alignments suggest it’s a great time to make decisions regarding property or long-term assets. Additionally, indulgence in home-related upgrades or purchases, like electronics or furniture, will yield satisfaction. Love and Relationships Your relationships will thrive today, especially your bond with your spouse or significant other. Expect heartfelt conversations that strengthen your emotional connection. Singles might experience a sense of longing but should use this time for self-reflection. Social gatherings or a family function could provide opportunities for deepening bonds with extended family and friends, further enriching your emotional landscape. Education and Career Students are likely to receive encouraging results or recognition in their academic endeavors. The day is particularly favorable for those preparing for exams or pursuing studies in technology, real estate, or finance. In your career, your focus and determination will help you overcome challenges. Collaborations with colleagues will be fruitful, but be cautious of taking on too much at once. Prioritize tasks effectively to maintain productivity. Money and Finance Financially, this is a day of moderate gains. Investments in property or home improvements are highly favored and could bring long-term benefits. While expenditures might rise, especially on luxury items or entertainment, these are likely to bring joy and enhance your living environment. Keep a balanced approach to spending, and avoid dipping into savings unnecessarily. Health and Well-being Your health is in good shape, but avoid overindulgence in rich or processed foods, as this could lead to minor digestive issues. A short outing or time spent outdoors will uplift your mood and keep stress at bay. Prioritize hydration and include physical activities like yoga or a brisk walk to maintain vitality. Your mental health will benefit from time spent with loved ones. Discover everything about astrology at the Times of India , including daily horoscopes for Aries , Taurus , Gemini , Cancer , Leo , Virgo , Libra , Scorpio , Sagittarius , Capricorn , Aquarius , and Pisces .'Devastating': sailors killed in Sydney to Hobart race after boom accidents

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In a Tuesday legal filing, Mayor Eric Adams’ attorneys charged that federal prosecutors improperly leaked to the media the identity of a witness who testified before a grand jury and the content of their testimony in the criminal corruption case against the mayor. Get the Full Story Hizzoner’s attorney, Alex Spiro, requested that federal Judge Dale Ho hold an evidentiary hearing on the latest leaks. Spiro further asked the judge to halt all grand jury proceedings until the hearing is held and his motion is resolved. He also once again called for the court to impose sanctions on federal prosecutors “up to and including dismissal of the indictment.” Spiro attempted to get Ho to sanction federal prosecutors for allegedly passing information to the media in a past motion . But Ho denied the motion in late October. Last week, Judge Ho also rejected Spiro’s attempt to get the bribery charge against Adams tossed. Spiro argued this was just the latest in a series of evidence leaks in the case over the past year, which he said have worked to turn public opinion against Adams before the mayor has had the chance to stand trial. “The government’s disclosure of confidential grand jury material in a bid to win this case in the press has irreparably harmed Mayor Adams’s defense and eviscerated his presumption of innocence,” Spiro wrote in the filing. A spokesperson for the Manhattan US Attorney’s Office did not immediately respond to a requst for comment. The mayor’s attorney claimed that a “credible source” informed him Sunday that grand jury information from a witness who recently testified in Adams’ case had been given to a group of New York Times reporters. The information, Spiro wrote, includes both the witness’s identity — which is redacted in the filing — and the “sum and substance of that witness’s testimony.” While some portions of the motion are redacted, presumably to keep the details of the witness’s testimony confidential, Spiro insisted the leaks had to have come from federal law enforcement and not the witness themself. “Defense counsel has no reason to believe the witness was the source of the leak because, on information and belief,” Spiro wrote. “Rather, as with the prior leaked material, the only plausible source of this information is members of law enforcement assisting with the investigation.” Since the indictment against Adams was unveiled on Sept. 26, Spiro has consistently raised concerns about the leaks and alleged that the information could have only come from federal law enforcement. He has vented about press reports that revealed details of the investigation into Adams, which have steadily been published over the past year — beginning with the late 2023 raid on the mayor’s former campaign fundraiser. Adams has pleaded not guilty to the five charges against him, which include bribery and soliciting illegal foreign campaign donations. The mayor is accused of accepting luxury travel perks—like discounted hotel rooms and flight upgrades—and campaign donations from Turkish businessmen and government officials for nearly a decade. In return, Adams allegedly leaned on the FDNY in 2021, when he was still Brooklyn borough president, to hasten the opening of a Manhattan Turkish consulate skyscraper that had failed fire safety tests. Mayor Adams will stand trial on April 21 ; his next court appearance is scheduled for Jan. 27.