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Articles by Katie Miller
How to Avoid Probate: Naming Beneficiaries for CDs
Key Takeaways Name beneficiaries on CDs to avoid the probate process. Joint CD accounts pass directly to the co-owner. POD beneficiaries can inherit CDs without probate delays. State rules for joint accounts may vary. Probate involves validating the distribution of an estate. Certificates of deposit (CDs) often form part of an inheritance. These low-risk investments allow people to deposit money for a set period in exchange for interest.
Guide to Inheriting a Certificate of Deposit
Key Takeaways Inheriting a CD can occur through joint ownership or as a payable-on-death beneficiary. A joint owner of a CD gains full access upon the other owner’s death, generally without probate. Payable-on-death beneficiaries need to present a death certificate to claim funds. If no beneficiary is named, CDs go through probate, which can delay access to funds. Some CDs may have to reach maturity before the inheritor can access funds.
Event: The 2026 Penningtvättsdagarna Conference
We’re pleased to be sponsoring Penningtvättsdagarna, one of Sweden’s key forums for professionals working at the forefront of AML, CFT and wider financial crime compliance. As regulatory expectations continue to evolve across the Nordics and beyond, events like this play an important role in bringing people together to share perspectives, challenges and lessons learned.
Why flexible work alone isn't enough: Preferences matter more than policy
Credit: Pixabay/CC0 Public Domain Employees leave employers when their work arrangements fail to match their preferences, according to new research that tracked 482 workers over two years across Australia and Europe. While research on working from home has grown substantially since the COVID-19 pandemic, this study is the first to consider the implications of actual and preferred work arrangements together.
The housing crisis is a business problem - Openforum
The housing crisis is often framed as a social issue, but it’s also an economic one, especially for businesses. As house prices and rents continue to climb, the flow-on effects are felt in job retention, work absenteeism, and lost productivity. “The housing crisis is not just a social crisis, it’s a productivity and economic crisis as well,” said Professor Philip Oldfield, Head of School at UNSW Built Environment, from the faculty of Arts, Design and Architecture.
Doc2Doc Lending Expands Executive Leadership with Claudia Desaulniers as VP of Credit Operations and Risk
Doc2Doc Lending Expands Executive Leadership with Claudia Desaulniers as VP of Credit Operations and Risk Doc2Doc Lending appoints Claudia Desaulniers as VP of Credit Ops & Risk, strengthening its exec team to scale doctor-focused lending.
Can AI do your tax return? - Openforum
As tax time rolls around, many Australians are asking whether artificial intelligence (AI) can help them get their tax returns done faster and cheaper. From apps that scan receipts to chatbots that explain deductions, AI may promise to take the complexity out of a traditionally stressful task. But experts at UNSW Business School say relying too heavily on these tools could come with risks, especially for people with limited tax knowledge or more complex financial circumstances.
A slip, slop, slap in the face for sunscreen manufacturers - Openforum
Most of us rely on the label information when choosing a sunscreen, trusting that a SPF 50+ label means a strong, reliable protection. According, to recent testing by consumer group CHOICE, 16 popular sunscreens have failed to meet the SPF claims advertised on their packaging. The results have raised questions about how sunscreen products are regulated, how consumers make purchasing decisions, and what happens when the trust placed in a product designed to protect health is undermined.
Leadership trends in the public sector - Openforum
3. Diversity Diversity and inclusion are often treated as separate from leadership development frameworks. “What we tend to see is that organisations have a leadership framework and a separate diversity and inclusion policy,” says Dr Hastings.
Five leadership trends shaping the future of the public sector
Australian public workplaces are undergoing significant changes as leaders face new challenges in a rapidly evolving business landscape. Public sector leadership is an increasingly demanding role, driven by greater public expectations, increased focus on diversity and inclusion, and a desire to make the sector an attractive career option for younger employees. With these changes comes a key question: how do we best equip the leaders of tomorrow?
Superannuation myths - what’s fact and what’s fear?
Amid ongoing market volatility, should Australians reconsider common assumptions about their superannuation? As global stock markets fluctuate in response to rising geopolitical tensions – including renewed tariff threats impacting global trade and supply chains – Australians are re-evaluating their superannuation strategies amid concerns about economic uncertainty. With over $4 trillion invested in super, Australia’s retirement savings system is deeply tied to market performance.
Federal budget 2025-26: UNSW experts available for comment
UNSW has academic experts available to comment on March's federal government budget announcements. On 25 March, the Australian government will deliver the 2025-26 federal budget. The following UNSW experts are available for comment on relevant themes. Experts who are available for comment on various federal budget topics Gigi Foster, Professor of Economics, School of Economics, UNSW Business, is available to comment on any aspect of the budget. She can be reached at gigi.foster@unsw.edu.au. Prof.
Australia should steel itself for an uncertain future - Openforum
As Trump’s tariffs take effect, UNSW Business School’s Dr Scott French examines the impact on Australia and why policy responses should not include protective tariffs of our own. US President Donald Trump’s new tariffs, 25% on all US steel and aluminium imports, which will affect global trade, are here. While Australian companies can implement short-term strategies, there are steps policymakers can take to minimise supply chain risks and broader economic impacts.
Handling Trump's tariff war - Openforum
Australia exported 223,000 tonnes of steel and 83,000 tonnes of aluminium to the US last year. With the US imposing 25 per cent tariffs on steel and aluminium this month, Australian companies – particularly in these sectors – face tough decisions. While Australia seeks an exemption, the outcome remains uncertain amid evolving trade negotiations under the Trump administration.
How will Trump's tariffs affect Australia? - Openforum
With the newly elected Trump administration threatening to introduce higher tariffs on imports, the Australian government should act quickly to seek tariff exemptions, and businesses should prepare to adapt to a more challenging trade position, says Richard Holden, Professor of Economics at UNSW Business School.
NAPLAN scores survived the COVID closures - Openforum
A study co-authored by researchers from UNSW Business School and University of Sydney suggests that Australian students’ NAPLAN scores remained stable during periods of remote learning, offering a different perspective on academic performance during the pandemic. The research, published earlier this year in ‘The Economics of Education Review’ and appearing in print in October 2024, analysed NAPLAN test scores across Australian states.
Researchers investigate social factors that influence dementia risk, implications for health care and wellness sectors
This article has been reviewed according to Science X's editorial process and policies . Editors have highlighted the following attributes while ensuring the content's credibility: Understanding how social factors influence dementia risk can help businesses play a key role in supporting the needs of aging populations.
The high price of loyalty - Openforum
The loyalty penalty – when a company offers steep discounts and other benefits to sign up new customers while leaving existing ones on standard rates – is increasingly attracting the attention of regulators. However, new research shows attempts to ban these unfair practices without the proper competition settings can ultimately make things worse for consumers.
Gaming the system - Openforum
Schools may be strategically manipulating participation in the National Assessment Program – Literacy and Numeracy (NAPLAN) to improve their public performance results, according to new research from UNSW Business School. The research found that schools with lower initial test scores relative to other schools teaching similar student bodies show higher rates of non-participation in NAPLAN tests following the public release of performance data on the My School website.
Closing time - Openforum
Like most central banks, the Reserve Bank of Australia (RBA) has been fighting to bring the inflation rate down to its target range since CPI figures began surging globally. However, the RBA has been less successful than its peers in these efforts, and Australia is one of the few advanced economies where underlying inflation has been going up in 2024 rather than coming down.
Federal budget 2024-25: UNSW experts available for comment
UNSW has academic experts available to comment on May's federal government budget announcements. On 14 May, the Australian government will deliver the 2024-25 federal budget. The following UNSW experts are available for comment on relevant themes. Experts who are available for comment on various federal budget topics Gigi Foster, Professor of Economics, School of Economics, UNSW Business, is available to comment on any aspect of the budget. She can be reached at gigi.foster@unsw.edu.au. Prof.
Can you afford to travel to work? - Openforum
Australia’s rising cost of living is squeezing household budgets, and with high fuel prices and public transport costs increasing, many Australians face the reality that the expense of commuting to work may no longer be financially sustainable. The Australian Commute report showed that the average daily cost for an Australian to get to and from work is $20, totalling $5020 annually. Collectively, this translates to a national expense of $43.2 billion a year.
Understanding the right to disconnect - Openforum
The ‘right to disconnect’ has been gaining traction globally in recent years, and Australia has joined the movement with the recent passing of the Fair Work Amendment (Right to Disconnect) Bill 2023. The new legislation is a response to growing concerns about work-related mental health issues, particularly those linked to stress and overwork. The government also found that some employees were being driven to exhaustion due to an expectation of being accessible outside of work hours.
Corporate Business Travel: Everything You Need to Know
Corporate business travel involves the movement of individuals representing their organizations for work-related reasons. Whether it’s attending client meetings, industry conferences, or sealing business deals, this practice covers a range of activities essential for professional growth. In the interconnected global business environment, where face-to-face connections matter, corporate business travel plays a central role in sustaining and expanding enterprises across borders.
Credit Union Personal Loans: Your Guide to Low Rates & Flexible Terms
Key Takeaways Credit union personal loans often have lower interest rates and fees compared to traditional bank loans. Membership in a credit union is required to access its personal loan products. Credit unions consider an applicant’s overall financial situation, making them more flexible with loan approvals. A personal loan from a credit union is typically unsecured, meaning no collateral is required.
What Are Multi-Signature Wallets? Benefits & Use Cases Explained
Key Takeaways Multi-signature wallets require multiple keys to approve a transaction, providing enhanced security for digital assets. These wallets are ideal for group-owned assets because they necessitate multiple approvals to access funds, which can minimize the risk of theft. While more secure than traditional wallets, multi-sig wallets involve greater complexity. They can still be vulnerable to hacks if software and credentials are compromised.
How Do Business Loans Work? Types, Terms, and Key Factors
Key Takeaways Business loans can be secured with collateral or be unsecured without collateral. Bigger, established companies often secure better loan terms than smaller businesses. Business loans typically have lower interest rates than personal loans. Lenders consider credit score, cash flow, and business history for loan approval. Business loans are used for various purposes, like equipment purchases and business expansion.
De-Dollarization: What Is It, and Is It Happening?
Key Takeaways De-dollarization refers to shrinking the influence that the U.S. dollar has on the economies of other countries. Even as countries aim to reduce their dependency, the dollar is still by far the most widely held reserve currency and remains essential for conducting international business. Backlash against the dollar intensified as the U.S. flexed its economic muscle in response to the war in Ukraine. Get personalized, AI-powered answers built on 27+ years of trusted expertise.
Navigating Overconfidence Bias to Improve Investment Success
Key Takeaways Overconfidence bias is a cognitive error where individuals overestimate their knowledge, which impacts decision-making and investment returns. This bias can lead to excessive trading, under-diversification, and ignoring risks, resulting in higher costs and potential losses. Combat overconfidence by seeking diverse opinions, educating oneself, and maintaining realistic investment strategies. Get personalized, AI-powered answers built on 27+ years of trusted expertise.
Personal Loan vs. Home Improvement Loan: What's the Difference?
Key Takeaways Personal loans are unsecured loans that can be used for various things, including home projects. They usually don’t require any collateral. Home improvement loans may include both unsecured and home-secured options. Home equity loans, home equity lines of credit (HELOCs), and cash-out refinances are secured by your property and may offer lower rates. Comparing loan types can help you find the most cost-effective option.
Navigating CD Maturities: Key Questions Answered
Key Takeaways When a CD matures, you have options: withdraw, renew into another term, or transfer funds to another account. Banks notify you before maturity, outlining options and deadlines for decisions about your CD. Watch the grace period post-maturity to avoid automatic rollover into a new CD. Penalties apply for withdrawal before maturity; terms vary by institution. CD shopping prior to maturity can help you secure the best available interest rates.
Inherited CDs: What to Do with Funds After Inheritance
Key Takeaways CDs can be inherited through joint accounts, POD beneficiaries, or probate. Inherited CDs cannot be directly converted into other investments. Access to funds depends on the provider’s rules and the CD’s maturity status. Certificates of deposit (CDs) are a low-risk way to put some money aside for the short- to medium-term future and earn a modest return in the meantime.
CDs and ETFs: Which is Right for Your Portfolio?
Key Takeaway CDs are low-risk investments with guaranteed returns but offer lower potential yields than ETFs. ETFs provide higher potential returns but come with greater risk and do not have guaranteed outcomes. CDs require a fixed-term investment with penalties for early withdrawal, whereas ETFs offer liquidity and flexibility. For short-term, risk-averse investing, CDs are more suitable; ETFs align with long-term investment goals seeking higher returns.
Guide to Gifting CDs: Secure a Child’s Future with Savings
Key takeaways You cannot gift a CD to another adult due to federal identification requirements for account ownership. CDs can be gifted to children by setting up a UTMA or UGMA custodial account, allowing them full ownership when they reach adulthood. CDs in custodial accounts offer potential financial returns and teach financial discipline through maturity terms.
What Is a CD-Secured Loan?
What Is a CD-Secured Loan? A CD-secured loan is a loan that uses a certificate of deposit (CD) from a bank or credit union as collateral. A CD-secured loan can offer competitive interest rates, but there are downsides to consider as well, particularly the fact that you could lose your CD if you can’t meet the terms of the loan.
Closing Your CD: What to Expect and How to Do It
Key Takeaways You can close a CD at its maturity, allowing options like rolling over into a new CD, transferring funds, or cashing out. Closing a CD early usually incurs a penalty, which could be several months’ interest or more, depending on the institution. Some CDs, like liquid or brokered CDs, offer flexibility with lower or no penalties for early withdrawal. Federal law mandates full disclosure of any potential early withdrawal penalties by the CD issuer.
Investing in CDs vs. Stocks: Which Is Right for You?
Key Takeaways CDs are low-risk, low-return investments best for short-term savings and risk-averse investors. Stocks offer higher potential returns but come with higher risk, suitable for long-term investors. CDs offer guaranteed returns and are insured up to $250,000 by the FDIC or NCUA but have penalties for early withdrawal. Stocks provide investors with flexibility to buy and sell anytime but may not guarantee the value.
Check Your Credit Score Safely Without Affecting It
Key Takeaways Checking your own credit score doesn’t affect it; it’s considered a soft inquiry. Hard inquiries, like applying for a loan, can slightly lower your credit score. You can receive free credit reports annually from each major credit bureau.1 Your credit score will be checked often throughout your financial life as banks and other lenders evaluate whether or not to lend you money or extend credit for auto loans, mortgages etc.
Swimming Pool Financing: What To Know
Key Takeaways Swimming pools are primarily lifestyle purchases that rarely return the full cost of installation at resale. Homeowners can finance pools through secured debt like HELOCs for lower rates or unsecured personal loans for faster funding. High construction and maintenance costs often cause the total cost of ownership to exceed the added value to the property. Shorter loan terms are generally recommended to ensure the debt is amortized before the asset depreciates.
What Is EMV? Exploring Its Security Features and Limitations
Key Takeaways EMV technology has global acceptance and enhances card security with unique transaction data. EMV reduces in-person fraud but is less effective online, leading to new standards. U.S. adoption of EMV increased after high-profile data breaches. Over 94% of card-present transactions globally use EMV technology. What Is EMV? EMV® Chip started as a jointly developed global standard to allow cards with computer chips and terminals used by the largest financial services companies to interact.
When to Refinance Your Mortgage: A Guide to Lowering Payments
Mortgage refinancing involves replacing your existing mortgage with a new one, often to get a lower interest rate or monthly payments. Key factors to consider include current mortgage rates, your home equity, and the costs of refinancing. It can be beneficial for homeowners looking to switch from an adjustable-rate to a fixed-rate mortgage or to shorten their loan term. Refinancing comes with fees and closing costs, so it’s important to weigh any savings against these expenses before deciding.
8 Steps to Quickly Eliminate Debt and Boost Savings
Key Takeaways Review loan statements to understand monthly debt and interest. Prioritize paying high-interest debt to save money. Doubling payments can speed up debt repayment. Balance transfers offer temporary 0% interest to reduce debt. Credit counselors provide personalized debt management strategies. Holding too much debt can cause financial hardship.
Avoid These 10 Common Financial Mistakes for Better Wealth
Key Takeaways Many people struggle with managing finances due to unnecessary spending and lack of savings. Regular expenses like dining out or streaming services also add up over time. Overspending on housing and vehicles can lead to financial strain. Relying on credit for non-essentials results in high-interest debt. Lack of a financial plan jeopardizes future financial stability.
What Is a Vocational Degree? Learn Requirements & Career Options
By Julia Kagan Updated October 07, 2026 Reviewed by Katie Miller Fact checked by Vikki Velasquez Phynart Studio / Getty Images Key Takeaways Vocational degrees are designed for specific trades and often take less time than traditional degrees. They can provide training for careers like medical coding, auto mechanics, and cosmetology. Requirements for vocational degrees can vary significantly by state and program length. What Is a Vocational Degree?
Mergers and Acquisitions: Job Description and Career Path
Mergers and acquisitions (M&A) refers to companies combining or restructuring their assets to drive growth, improve operational efficiency, and/or increase their market share. Some of the world’s largest companies, and many smaller ones, owe much of their success to the benefits they derived from M&A. Unfortunately, the mergers and acquisitions landscape is also littered with corporate combinations that fail to thrive due to poor strategic planning, inadequate due diligence, and other problems.
Golden Handshake: Definition, Pros, Cons & Key Examples
Key Takeaways Golden handshakes can be negotiated before executives join a company. Executives may still receive payouts even if fired for poor performance. High-profile cases often lead to public and investor criticism. These severance packages can have significant financial implications for businesses. Get personalized, AI-powered answers built on 27+ years of trusted expertise. What Is a Golden Handshake?
Garnishment Explained: Legal Process, Causes, Limits, and Relief Options
Key Takeaways Garnishment is a legal process where a third party, often an employer, is instructed to withhold a portion of a debtor’s income to pay off unpaid debts. Common types of garnishment include wage garnishment, bank account garnishment, tax refund garnishment, and property or asset garnishment. The Consumer Credit Protection Act limits the amount that can be garnished from wages, except for debts like unpaid taxes and student loans.
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