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Best money market account rates today, August 31, 2025 (best account provides 4.41% APY)

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Find out how much you could earn with today’s money market account rates. The Federal Reserve cut its target rate three times in 2024. So deposit rates — including money market account (MMA) rates — have started falling. It’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance.

The national average money market account rate stands at 0.59%, according to the FDIC.

Even so, some of the top accounts are currently offering rates of 4% APY and up. Since these rates may not be around much longer, consider opening a money market account now to take advantage of today’s high rates.

Here’s a look at some of the top MMA rates available today:

Additionally, the table below features some of the best savings and money market account rates available today from our verified partners.

The amount of interest you can earn from a money market account depends on the annual percentage rate (APY). This is a measure of your total earnings after one year when considering the base interest rate and how often interest compounds (money market account interest typically compounds daily).

Say you put $1,000 in an MMA at the average interest rate of 0.59% with daily compounding. At the end of one year, your balance would grow to $1,005.92 — your initial $1,000 deposit, plus $5.92 in interest.

Now let’s say you choose a high-yield money market account that offers 4% APY instead. In this case, your balance would grow to $1,040.81 over the same period, which includes $40.81 in interest.

The more you deposit in a money market account, the more you stand to earn. If we took our same example of a money market account at 4% APY, but deposit $10,000, your total balance after one year would be $10,408.08, meaning you’d earn $408.08 in interest. ​​

Emiliano Martinez: Man Utd considering late move for Aston Villa goalkeeper

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Manchester United are considering making a move for Aston Villa goalkeeper Emiliano Martinez before Monday’s transfer deadline.

United have been looking to address their goalkeeping issues and have been negotiating with Royal Antwerp about their highly rated 23-year-old Belgian Senne Lammens.

Lammens is keen to join United and has been left out of Antwerp’s past two games. It is known the Belgian Pro League club need to make a sizeable sale so they can meet an external loan they have previously taken out.

However, he lacks high-level experience, while Martinez is a World Cup winner with Argentina and a two-time Fifa goalkeeper of the year with 197 Premier League appearances under his belt.

After Saturday’s 3-2 victory over Burnley, United head coach Ruben Amorim admitted: “I think it is hard to be a Manchester United goalkeeper in this moment.”

McConnell readies for battle to boost defense spending

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The House and Senate are headed for a tussle over the annual, must-pass defense spending bill as the upper chamber’s version stands at odds with the budget passed by the House and a proposal from the Trump administration.

The Republican-led Senate Appropriations Committee last month approved nearly $853 billion for the Defense Department for fiscal year 2026, a bill that allocates $21.7 billion more than President Trump requested earlier this year.

The topline increase, which includes a significant bump in munitions, pay raises for troops and support for Ukraine, puts the chamber on a collision course with the House, which wrote its version of the defense spending bill before the administration dropped its budget and before the final version of the reconciliation bill passed. 

Sen. Mitch McConnell (R-Ky.), who chairs the Appropriations panel’s defense subcommittee and crafted the major rewrite of Trump’s defense budget, previewed the fight to come when he remarked that the administration has “underestimated the level of challenge that we have.”

The Senate bill “underscores that we cannot seriously address these challenges while artificially constraining our resources,” McConnell said July 31 during the Senate Appropriations markup. 

“We can’t build a Golden Dome, or restock our munitions, or bring back American shipbuilding without sustained increased investments in all of our national defense. And we can’t treat reconciliation like a cure-all.”

The legislation boosts aid for Ukraine, Taiwan and NATO’s eastern border, ramps up shipbuilding, funds a 3.8 percent troop pay raise, and puts billions of dollars towards rebuilding U.S. missile stockpiles – depleted thanks to shipments of weapons for Ukraine’s fight against Russia and conflicts in the Middle East.

The House version largely followed the administration’s flat numbers and went with a lower defense spending topline of $831.5 billion, sticking to the broad aspects of the administration’s budget request that was available at the time. It does not include aid for Ukraine and has significant anti-diversity and abortion language, as well as other items that are a nonstarter for Democrats, making it a tough lift in the Senate.

The House passed its defense spending bill almost entirely along party lines in a close 221-209 vote on July 18.

The Senate’s version is a much broader rewrite of the administration’s budget that has strong bipartisan support. It made it out of the Appropriations Committee in a 26–3 vote.

Both the House and Senate Appropriations Democratic members also have been critical of the Pentagon for not sending its budget sooner – administration officials did not formally unveil a proposed defense budget until late June, well past the early February deadline – and splitting it up between regular appropriations and reconciliation.

The latter issue, they said, has created unnecessary confusion and may put the military’s most important weapons programs at risk, given that it’s unclear where the money might come from for certain systems. The reconciliation bill that cleared Congress last month included more than $150 billion for defense priorities. 

“The fact is we did not have the president’s plan for his defense priorities when this bill was written,” said the House Defense Appropriations Committee ranking member Betty McCollum (D-Minn.). “That makes this bill an incomplete product.”

One of the biggest fights on the horizon will likely be the issue of Ukraine aid. The Senate’s bill includes $800 million for the Ukraine Security Assistance Initiative (USAI), under which the U.S. provides funds to buy weapons for Kyiv, and $225 million for the Baltic Security Initiative. That fund largely helps support Ukraine in its war against Russia. 

McConnell, a Russia hawk and part of the old guard of Republicans, has backed support for Ukraine throughout Russia’s invasion of the country, which began in February 2022. He has also expressed frustration with the administration for repeatedly halting shipments of weapons for Kyiv and not notifying lawmakers who authorized the shipments.

“Shutting off engagement with Ukraine would undermine our military’s efforts to prepare for the modern battlefield,” McConnell said last week.

The issue has been bipartisan, with two other members of the Appropriations committee, Sens. Lisa Murkowski (R-Alaska) and Jeanne Shaheen (D-N.H.), introducing a separate bill last week that would provide Ukraine $54.6 billion over two years.

Congress last passed a major aid package for Ukraine worth $61 billion in April 2024 under the Biden administration. 

The House and Senate now must square their versions of the appropriations bill as they head into September. After that, it would be put to a final vote, and if passed, sent to the White House for Trump to sign into law or veto.

Best high-yield savings interest rates today, August 31, 2025 (Earn up to 4.3% APY)

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Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers.

The national average savings account rate stands at 0.39%, according to the FDIC. This might not seem like much, but consider that three years ago, it was just 0.06%.

Although the national average savings interest rate is fairly low compared to other investments, the best savings rates on the market today are much higher. In fact, some of the top accounts are currently offering 4% APY and up.

As of August 31, 2025, the highest savings account rate available from our partners is 4.30% APY. This rate is offered by EverBank, Western Alliance Bank, and BrioDirect.

Here is a look at some of the best savings rates available today from our verified partners:

The amount of interest you can earn from a savings account depends on the annual percentage rate (APY). This is a measure of your total earnings after one year when considering the base interest rate and how often interest compounds (savings account interest typically compounds daily).

Say you put $1,000 in a savings account at the average interest rate of 0.39% with daily compounding. At the end of one year, your balance would grow to $1,003.91 — your initial $1,000 deposit, plus just $3.91 in interest.

Now let’s say you choose a high-yield savings account that offers 4% APY instead. In this case, your balance would grow to $1,040.81 over the same period, which includes $40.81 in interest.

The more you deposit in a savings account, the more you stand to earn. If we took our same example of a high-yield savings account at 4% APY, but deposit $10,000, your total balance after one year would be $10,408.08, meaning you’d earn $408.08 in interest. ​​

Read more: What is a good savings account rate?

Baby dies of whooping cough after mother not vaccinated while pregnant

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Getty Images A close-up shot of a baby's feet. The infant is lying down and has a white hospital tag around their ankle. The rest of the baby is blurry.Getty Images

A baby whose mother was not vaccinated against whooping cough while pregnant has died after contracting the infection, the UK Health Security Agency (UKHSA) has said.

The death, which occurred between January and June 2025, is the first fatal case of whooping cough in the UK this year.

It follows government warnings about low vaccine uptake, including among children, as well as an increase in vaccine hesitancy.

None of the main childhood vaccines in England reached the uptake target of 95% last year, recent data from the health agency showed.

Whooping cough is a bacterial infection of the lungs and airways which can be fatal, particularly for babies. Eleven infants died of the illness in 2024.

Pregnant women, as well as infants and young children, are advised to get vaccinated against it. The uptake among pregnant women currently stands at 72.6%.

The UKHSA says vaccination during pregnancy, introduced in late 2012, is “key to passively protecting babies” in their first weeks of life. Infants are first offered a jab which protects against whooping cough at eight weeks old.

Thirty-three infants have died of the illness since 2013 – 27 of whom had mothers who had not received the jab in pregnancy.

The UKHSA’s deputy director Dr Gayatri Amirthalingam said the case was a reminder of “how severe whooping cough can be for very young babies”.

He continued: “Vaccination is the best defence against whooping cough and it is vital that pregnant women and young infants receive their vaccines at the right time, ideally between 20 and 32 weeks.”

The health agency and ministers have recently warned of declining vaccine uptake among children.

Last year, the share of five-year-olds who had received one dose of the MMR (measles, mumps and rubella) vaccine remained at its lowest level since 2010/11, at 91.9%.

The uptake rate for both doses – 83.7% – was at its lowest since 2009/10.

The World Health Organization (WHO) recommends at least 95% of children should receive vaccine doses to achieve herd immunity.

Poor uptake of the MMR vaccine was blamed for a rise in measles cases earlier this year. In July, a child died at Alder Hey Children’s Hospital after contracting the illness.

The government this week said all young children in the UK would be offered a free chickenpox vaccine by the NHS from January 2026.

Health minister Stephen Kinnock told the BBC that the government was concerned about vaccine uptake and hesitancy, which he said had increased after the Covid-19 pandemic.

He said campaigns explaining “the benefits of getting vaccinated and the fact that this is 100% safe” would be brought forward as the government sought to “win this battle against the conspiracy theorists”.

Parents losing trust in AI as schools ramp up usage

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Parents are losing trust in artificial intelligence (AI) in schools even as more districts look to adopt the technology.  

A recent PDK poll found parents are not comfortable with AI software getting personal information about their children such as grades, and that Americans overall frown upon AI usage for creating lesson plans.  

The distrust is a drop from previous years that schools will have to confront both as the Trump administration and the industry look to push AI in schools. 

“I think that parents are in a lot of different places with understanding what AI is, how it’s impacting schools or not and how it’s starting to show up uniquely for their own children. And we’re in a really different place this fall than even last fall,” said Bree Dusseault, principal and managing director at the Center on Reinventing Public Education. 

“I do think that this next school year is going to be a year of reckoning with AI,” Dusseault added. 

The PDK poll found almost 70 percent of parents do not want their students’ grades and other personal information put into AI software programs, while support for teachers using AI for lesson plans has fallen from 62 percent in 2024 to 49 percent this year.

In 2024, 64 percent of parents supported AI for students practicing standardized test and 65 percent supported the usage for tutoring. In 2025, those numbers dropped to 54 percent and 60 percent, respectively. 

“Parents probably had some direct experience and exposure to some of the output of how teachers utilize AI. … If I’m a parent of the student that required special education and I saw an IEP [Individualized Education Program] that had AI-generated content, and if that AI-generated content was not aligned with who my child is, or my child’s needs, that’s going to create a level of skepticism,” said D’Andre Weaver, vice president and chief powerful learning officer at Digital Promise and former superintendent.  

Weaver added parents could now be more skeptical if AI-generated assignments last year were brought home that were not rigorous or were themselves easy to complete with AI.  

“I think what people saw was like version 0.001 of what this tool could be used for … but what we know about these technologies and what we know about educators is that every year there’s going to be refinement,” he said.

Schools, meanwhile, are barreling ahead. Many that had originally banned AI platforms such as ChatGPT in classrooms are now putting teachers in training programs to learn about the technology. 

President Trump signed an executive order in April to foster AI usage among America’s youth, and first lady Melania Trump launched a presidential AI challenge for students in schools.  

“The Presidential AI Challenge will be the first step in preparing our next generation with a base understanding of this important new technology,” she said in a video. 

Education Secretary Linda McMahon has also sent guidance to K-12 schools for grants that can be used to integrate AI into instructional material creation, tutoring, career and college guidance and teacher preparation. 

Experts say schools need to work with parents on implementation of AI to make them more comfortable with the technology and their students using it.  

“Where we hear parents get frustrated is when you know they’re told, ‘Here’s what we’re doing,’ and it’s a one-way dialogue,” said Elizabeth Laird, director of equity in civic technology at the Center for Democracy & Technology.  

“Just being a lot more transparent around the ways that AI are currently being used, that would be an important step for schools to take to facilitate that type of data,” she added. “Start by one, doing their own inventory to make sure they have a comprehensive list of how it’s being used. And then two, take the step to make that information publicly and easily accessible to anyone who’s interested, including parents whose students are in their school.” 

Schools also have plenty of their own problems to address with AI, such as equity concerns, privacy worries, AI bullying and students using AI in unwise ways such as turning to the technology to diagnose mental health issues.  

“When working with school systems across the country, we work to create spaces where communities — parents, students, teachers — can be a part of this change. Through a series of engagements, we’re pairing AI Literacy with genuine listening and working to understand families’ concerns so they feel that schools are equipped to support their children’s AI readiness. Our belief is that the more parents and educators can come together around this issue, the better prepared the next generation will be to thrive in an AI-driven world,” said Alex Kotran, co-founder and CEO of the AI Education Project.  

Apple’s Tim Cook gifted Trump a 24K gold plaque — how to get your share of the highly coveted precious metal

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At a high-profile White House event, President Trump recently welcomed Apple CEO Tim Cook to the Oval Office with glowing praise, calling him “one of the great and most esteemed business leaders and geniuses and innovators anywhere in the world.”

The event included Apple’s announcement of an unprecedented $600 billion investment in the U.S. over four years, focused on boosting domestic manufacturing.

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But the real showstopper was a unique gift that Cook presented to Trump — a glass plaque with an inscription that says “Made in USA” which was designed by a former U.S. Marine Corps corporal, who’s now employed by Apple.

The plaque came with a 24-karat gold base sourced from Utah. Its craftsmanship and patriotic materials were designed to highlight Apple’s commitment to making its products on American soil.

This gift comes shortly after Trump announced that tech companies producing their products in the U.S. could avoid the new 100% tariff on imported chips and semiconductors, while others would likely face steep import costs. However, Trump announced that smartphones are exempt from increased tariffs on products from India.

Apple’s domestic investment and symbolic offering appear to have earned the company this favorable treatment. Financial expert John Ehrlichman noted that Cook used the plaque as a diplomatic olive branch, helping Apple sidestep punitive tariffs.

“There’s arguably no bigger CEO in America, or in the world, than Tim Cook,” Ehrlichman shared with CTV News. “He’s in the Oval Office and he’s trying to appease the president. The president loves that and uses that as the backdrop to say, ‘by the way, if you’re not following the Apple way, you could be subject to these tariffs.’”

And while the gift of gold may have been a simple olive branch, it’s also a serious asset with a market valued at nearly $300 billion. With prices currently hovering around $3,400 per ounce, the value of gold has been soaring as of late, a result that’s largely driven by inflation concerns, geopolitical instability and the potential for a U.S. Federal Reserve cut.

Yoane Wissa criticises Brentford and asks them to let him join Newcastle

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He added: “Being made to stay beyond this summer will only tarnish four wonderful years at this incredible club and so I ask Brentford’s owners and directors to now honour their promise to let me leave in the final hours of the window.”

BBC Sport reported in July that Wissa flew home early from the club’s summer training camp in Portugal after making clear he wanted the move to Newcastle.

Ever since he has been in a stand-off with the club over his intention to join Eddie Howe’s side.

He did return to first-team training for a short period but has gone back to working away from Keith Andrews’ squad.

Wissa, who scored 19 goals in the Premier League last season, also removed all association with Brentford from his Instagram account.

In his statement, Wissa says he held “open discussions” with the club’s senior management earlier this summer about his intention to leave and said he was told the “club would not stand in my way if a reasonable offer was received. This was also put in writing”.

He says a formal offer was submitted by another Premier League club and he was “under the impression, from all my conversations with Brentford, that there was a mutual agreement to part ways”.

He added: “I want to make it clear that I have not acted unprofessionally, nor do I wish to leave Brentford on bad terms. I have been transparent in my position throughout. I have continued to communicate openly with the club and conduct myself in a way that reflects my values as both a footballer and a human being.

“I remain hopeful that a fair and reasonable resolution can still be found before the transfer window shuts.

“In the meantime, I must do what I feel is right for my career and family and insist that Brentford honour their promise to let me join a new club and at a fair price.”

BBC Sport has contacted Brentford for comment.

Home insurers are charging Americans with low credit scores 99% more, report reveals — are you getting gouged?

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The costs of homeownership can add up quickly. Beyond the mortgage payments, homeowners face additional costs, like property taxes and home insurance, which can easily put pressure on household budgets.

Since mortgage lenders tend to require homeowners insurance, it’s an unavoidable cost, unless the home is completely paid off. But for homeowners with bad credit, the cost of insurance can feel especially burdensome.

A recent report from the Consumer Federation of America (CFA) found that the typical homeowner with a low credit score is paying 99% more each year for coverage. While elevated costs vary from state to state, many homeowners with low credit feel the pinch of these higher rates.

If you are facing high home insurance premiums, understanding how your credit score impacts your rates could help explain your costs.

When determining your premiums, insurance companies take a wide range of factors into account. Some take your home’s age and condition into account. But other variables can include things like risk of flooding, proximity to a fire department and your credit score.

While many factors are included, your credit score can have a significant impact on your costs. The typical homeowner with a low score (defined as 630 or lower) pays $1,996 more per year for coverage.

The CFA report also found that homeowners with low credit scores often face higher rates than those who live in a high disaster risk area. That could mean living with a bad credit score could push their rates higher than even those living in a hurricane-prone or wildfire-prone area.

It’s clear that this practice could significantly hurt homeowners on a budget. The report also notes that this practice “disproportionately harms Black, Hispanic, and Native American homeowners, who tend to have lower credit scores due to the longstanding racial wealth gap and other persistent structural barriers.”

But homeowners in some states face significantly higher credit penalties than others. Those in Pennsylvania, Arizona, Oregon and West Virginia were found to face the highest penalties for bad credit. But other states, like California, Maryland and Massachusetts, have banned the practice of using credit scores when determining insurance premiums.

Putin and Modi in China for summit overshadowed by trade wars with US

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Russian President Vladimir Putin and Indian Prime Minister Narendra Modi are among the twenty world leaders attending a regional security summit in China.

Ahead of the annual gathering of the Shanghai Cooperation Organisation (SCO) in the port city of Tianjin, Modi is holding talks with China’s president, Xi Jinping. It is Modi’s first time in China in seven years.

Putin, who is a close ally of China, arrived to a rolled out red carpet in Tianjin on Sunday.

The summit comes as US President Trump has imposed steep tariffs on Indian goods as punishment for Delhi’s continued purchase of Russian oil, and Putin faces threats of sanctions for his ongoing war on Ukraine.

There are 10 member states in the Beijing backed SCO – including Pakistan, Iran – and 16 dialogue partners and observers.

The summit itself is largely symbolic but will allow leaders to air common grievances and shared interests – and this year the gathering will be overshadowed by trade wars with the US.

The organisation was created by China, Russia and four Central Asian countries in 2001 as a countermeasure to limit the influence of Western alliances such as Nato.

This year’s gathering is the largest since the organisation was founded.

For Tianjin, the summit has become a major event with banners and billboards promoting it throughout the northern port city.

At night tens of thousands of local spectators have been cramming into the riverside area to see a lightshow displayed on tower blocks while the gathering is taking place.

The streets have been heavily crowded – making it difficult for people to even move, especially on and around the historic Jiefang Bridge.

During the day pedestrians are at times being made to wait as roadblocks go up to allow the motorcades of visiting world leaders to pass by quickly.

Taxis and other hire car services have been suspended in the downtown area, but this has not dampened the enthusiasm of crowds of people wanting to be part of what has been described as a historic meeting.

However, police have advised Tianjin’s more than 13 million residents to avoid moving around the city if possible and to stick to shops nearby them to purchase any immediate necessities.

The meeting comes days before the massive military parade that will mark 80 years since the end of World War II.