In simple terms, “CD rate” is defined as the interest percent yield on a certificate of deposit. Essentially a Certificate of Deposit is a savings deposit for a fixed period of which interest is earned by the bearer. A Certificate of Deposit (CD) is offered by any bank where you have opened a savings account. The fixed period can be a short or long term, and you will face a penalty if you withdraw your money before the term expires. The CD rate offered by a bank decides what you will yield from your CD investment. Follow this easy step-by-step guide to get the best CD rates.

Step 1: Use comparison websites such as Bankrate or Nerd Wallet to get the best CD rates. Online banks tend to offer competitive CD rates as they have lesser overhead costs as compared to traditional financial institutions.

Step 2: Invest for longer terms as long-term CDs tend to have higher interest rates. However, this also means that you cannot withdraw your money for long periods of time.

Step 3. Consider CD laddering. By opening multiple long term CDs with at least one CD maturing every year, you will successfully receive higher yields and reduce the chances of paying withdrawal penalties.

Step 4: Keep an eye out for special deals. Banks to cut through competition may offer special CD rates. Don’t hesitate to ask the staff at your bank if they are running any offers.

Step 5: Look at other CD variations such as liquid and bump-up CDs. These may be riskier than traditional CDs, but they are ideal for time periods of rising rates. In the case of liquid CD, you will not have to pay the penalty if you withdraw your money before the term expires. However, you will have to cover up this cost with lower interest rates. In the case of a bump-up CD, you can switch to another CD with the same term but a better interest rate when your bank offers it. You can, however, make the switch only once.

Having a tough time with your pickup truck and looking for something to ease your work up, but don’t know what to choose? We got you covered here. With roomy cabs, adjustable suspension and easy to operate touch screens, the 2016 Ram 1500 has become your rescuer here.

The 2016 Ram 1500 has a turbocharged 3.0-liter diesel engine with an EPA rating of 20/29 mpg city/highway. It delivers 420 pound-feet of trailer-pulling torques. Some other changes include the rugged Ram Rebel and the luxurious Ram Laramie Limited. Otherwise, the truck is same and unique as ever. With these minimal innovative changes, the 2016 Ram 1500 has achieved the best yet version of itself.

Now, not everyone wants the bed area to be unusually large. Just like not everyone is in need of a large cab area. Ram 1500 comes with three options, the regular cab, Quad Cab, and crew cab. The names have pretty much made it clear. Length of these beds ranges includes 6’, 4’, 5’ and 7’ on Crew Cab and Quad Cab models. For regular cabs, it goes up to a full 8’.

These interiors of these user-friendly trucks have been designed with great care. Not only are the designs and fabrics used luxurious, but the area is extremely comfortable as well. You simply can’t resist the comfort that this truck provides. Apart from the convenience, driving is such a smooth experience that you can’t stop being pleased.

Now, some of you may need some huge engines to fulfill the need to travel long distances, while the need of the others may not be the same. So, you’ve got choices varying from a 3.0-liter engine to a huge 5.7-liter one. So, you can save expenses if you don’t need a very big engine.

It goes without saying that 2016 Ram 1500 gives a tough competition to its rival trucks. Still, you could choose it over others for any reasons you like. May the reason be the comfort, the luxury or just the feel-good thing.