Interest rates have been rising rapidly in recent months, and you may be pleasantly surprised to see how much. If you’re currently holding your money in a bank that’s paying 0.0-something percent on your balance, you need to seriously investigate the alternatives. In this guide, we’re going to provide 11 of the best online banks, most of which pay interest rates on deposits well above “traditional” banks.

Let’s start with a high-altitude summary with the table below. We’ve listed all 11 banks, and their basic features. Take a quick glance through the table, then move down to the summary reviews of any you’re interested in just below the table.

Our Picks for Best Online Banks

Below is our list of the 11 best online banks, and what each bank is especially good at:

Best All-Around: Ally Bank

  • Products Offered: Checking, online savings, money markets, and CDs
  • Minimum Balance Required: None
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The Rolls Royce of EVs is finally here.

British luxury automaker Rolls-Royce Motorcars (BMW.DE) finally took the wraps of its most highly anticipated vehicle, the all-electric Specter coupe at an event at the company’s headquarters in Goodwood, England.

The Rolls-Royce Specter (credit: Rolls-Royce)

The Rolls-Royce Specter (credit: Rolls-Royce)

“This incredible motor car, conceived from the very beginning as our first fully-electric model, is silent, powerful and demonstrates how perfectly Rolls-Royce is suited to electrification,” Torsten Müller-Ötvös, Rolls-Royce Motor Cars CEO said in a statements. “Spectre’s all-electric powertrain will assure the marque’s sustained success and relevance while dramatically increasing the definition of each characteristic that makes a Rolls-Royce a Rolls-Royce.”

The Rolls-Royce Specter (credit: Rolls-Royce)

The Rolls-Royce Specter (credit: Rolls-Royce)

The Specter was teased earlier this year in camouflaged trim, but now it has been revealed in all its glory. Though it has a couple-like design of the outgoing Wraith, it has been refined to look a bit more sporty, especially

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Learning how to make money while you sleep is, quite frankly, the ultimate goal of financial independence. After all, earning passive income is one of the best ways to escape the grasp of your 9-to-5 job.

Warren Buffet is famous for making this crucial point about building wealth:

“If you don’t find a way to make money while you sleep, you will work until you die.”

– Warren Buffett

But how do you make money while you sleep? And what are the best ways to build passive income streams to replace the income from your regular job? 

It boils down to your individual talents, goals, and whether you have any cash to invest upfront.

17 Ways to Earn Money While You Sleep

If you want to make money while you sleep, there are an endless number of ways to go about it. Here are 17 top strategies you can try

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Shoppers in front of a holiday window display at Macy's department store in New York, US in December 2021
More than one-third of American households responding to Deloitte’s survey said that their financial situation is worse than last year © Bloomberg

Santa Claus may be lugging fewer gifts down the chimney this year, with inflation set to reshape US consumer spending this holiday season, according to Deloitte.

The shift in spending habits is set against a backdrop of more challenging economic conditions, with more than one-third of American households responding that their financial situation is worse than last year, according to Deloitte’s report, which surveyed almost 5,000 consumers online between September 6 and 14.

Holiday spending, at $1,455 per person, is expected to match 2021 levels, but consumers on average plan to purchase nine presents this year, compared with 16 in 2021, as well as spend less on non-gift purchases.

“High prices have holiday shoppers prioritising their purchases, but there are bright lights throughout the season,” said Nick Handrinos,

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