On the first business day of May and November each year, the Treasury announces the rate that will apply to I bonds purchased within the next six months.īonds purchased before Nov. Their interest rate is linked to the consumer price index and changes every six months.
I bonds: Another option is the Treasury’s inflation-linked I bonds. In some cases, yields on brokered CDs are much higher than what the same banks are offering their own customers.
Some brokerage firms are also offering certificates of deposit from FDIC-insured banks (called brokered CDs) with yields rivaling Treasurys. You can’t buy Treasurys for an IRA through Treasury Direct, but many brokerage firms will let you buy them in an IRA or taxable account. “The one- or two-year Treasury has one of the best risk-reward profiles you will see in the marketplace now,” said Chris Wheaton, senior investment adviser with Litman Gregory Wealth Management in Larkspur. Treasurys are backed by Uncle Sam and their interest is exempt from state and local (but not federal) income tax. You can buy them from the government by opening an online Treasury Direct account at and linking it to a bank account. On Thursday, annual yields ranged from 2.8% on a one-month bill to roughly 4% and 4.2% on one- and two-year maturities, respectively. If you can tie up your money for a bit, consider buying shorter-term U.S. These are not FDIC insured but are considered low risk some invest only in U.S. You can also earn upward of 2% on money market mutual funds managed by firms such as Vanguard, Charles Schwab and Fidelity. Many online banks are offering 2% or more in high-yield savings and money market accounts insured by the Federal Deposit Insurance Corp. Thanks to the Fed’s five rate hikes this year, it’s possible to earn 2% to 4% with little effort or risk. Be sure to read up on the details or better yet, consult a legal, tax or financial adviser.īoost your yield: If you still have money sitting in a checking or savings account yielding next to nothing, put that cash to work. Here are some things investors can do now in response to changing conditions that don’t constitute market timing. To weed out AI-generated content, the company said that it would rely on users to report such images and that it would create filters with help from the Coalition for Content Provenance and Authenticity, an initiative founded last year to battle disinformation and fake news.ĭaniela Braga, a member of the the White House Task Force for AI Policy, has called for a “legislative solution” for the rapidly growing and largely unregulated field of artificial intelligence.However, “that doesn’t mean never do anything,” said Roger Young, thought leadership director at T. Whether Getty will be able to enforce its ban remains to be seen. “We are being proactive to the benefit of our customers.” “There are real concerns with respect to the copyright of outputs from these models and unaddressed rights issues with respect to the imagery, the image metadata and those individuals contained within the imagery,” Getty Images CEO Craig Peters told the Verge. Whether the purpose of using these original images qualifies as “transformative”-a major criterion of the US fair use doctrine and which most frequently entails commentary, criticism, or parody-remains unclear. The news follows recent decisions by websites such as Newgrounds, PurplePort, and FurAffinity, though Getty is the largest user-generated content marketplace to implement such a ban.ĪI image generators such as DALL-E, Midjourney, and Stable Diffusion scrape the internet in search of publicly available pictures-often copyrighted ones on news sites, blogs, and stock photo sites like Getty Images itself-that are used to train their algorithms and which are often sampled in the images they create. Getty Images will outlaw the sale and uploading of AI-generated content on its platform due to uncertain copyright laws surrounding AI imagery, the company announced on Tuesday. Getty Images Bans AI-Generated Content over Legal Concerns
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