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Interest rates on savings accounts may go up and down, but one constant is the a range of different rates to be had. Inevitably, some people end up on the low end of that range, but you can take steps to make sure you stay near the higher end. Beyond that, there is more to determining the best savings accounts than just comparing rates. Read through the following 6 tips and become more savings savvy.

1. Shop online

There are thousands of banks out there, but online resources make it easy to compare rates to find the best savings accounts. While you are at it, you might also consider money market accounts; these are similar in nature to savings accounts, but on average, carry slightly higher interest rates.

Doing a comprehensive search may help identify banks you ar....

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Before you begin searching for the best mortgage rates, you'll need to decide what type of loan meshes best with your financial goals.

While the most popular loans are 30-year fixed-rate loans, you may also want to consider the benefit of a shorter term mortgage loan, such as a 15-year or 20-year loan. And if you intend to sell your property within a few years, you might also consider a hybrid adjustable rate mortgage with a fixed initial period of five, seven or 10 years.

In order to make a valid comparison of loan costs, you'll need to know more than just the interest rate. You'll need to know:

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When shopping for a life insurance policy, it's vital to know the distinction between term life insurance and cash value life insurance.

Term life insurance lasts for your choice of a specified time (10, 15, 25 or 30 years) rather than up until death. Should you, the policyholder, die while coverage is in effect, the benefit goes to your designated beneficiaries, tax free. Should the policy end before death, you can renew it or let it expire. If you renew, the new premiums will be higher as your age and health are assessed anew. If it expires, there's no value or payout. You can cancel term life at any time, without penalty.

Cash value life insurance, also called permanent insurance, however, lasts throughout your life and also accumulates value during that time. A portion....

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