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The most immediate impacts from the Federal Reserves decision to hike rates will be felt more among borrowers than for savers, Mark Hamrick, a senior economic analyst at Bankrate.com, told Yahoo Finance. If we see more such moves in 2017, then savers should see better rates of return, generally speaking. That question of more hikes is of course, up in the air. This is one of the reasons why were very eager to see what the summary of economic projections tells us about the possible future path of rates over the next several years, said Hamrick. Keep in mind, the projection of future rates is just an estimate, and not a promise. These hikes trickling down into your accounts will be a slow process, so dont expect anything soon. The Fed itself studied these sticky deposit rates a few years ago in 2013 and found the significant lags cost depositors $100 billion per year when rates rise. According to Hamrick, that delay is due to the fact that a savings account interest rate is essentially a marketing tool. Banks adjust the yields based on their need to grow that deposit base. In turn, that money gets turned back into the economy through lending, a function of loan demand. This means, flights to hawaii from edmonton ab that at the very least, in the near-term, short-term CDs will see higher yields. If youre looking for higher interest rates for your deposit accounts, however, one way to do that besides waiting is to look at online savings accounts. As long as you dont have to deposit cash very oftenthere are no local branchesyou can take advantage of giant 1% rates on accounts, made possible by the banks infrastructure savings.

As one Cuban waiter outside the Capitolio explained to me, this is because the police will give a Cuban no end of trouble if they are seen so much as annoying atourist. The police have a very heavy presence there. They are usually in groups of three or four. One woman visiting from New Jersey told me that while Cuban men give women a lot of attention, it doesnt have that scary edge it has in the US. You have health insurance.Hold onto your boarding pass, because its your proof of insurance in the Cuban medical system. The airlines just include the price in your ticket. Take a reusable shopping bag with you.Stores generally dont provide customers with bags. Consider carrying a roll of toilet paper with you.Restrooms were tough to find but not impossible. That said, I did notice that they usually didnt have toilet paper. Enough about that. Vinyl lives on in Havana.

For the original version including any supplementary images or video, visit http://observer.com/2016/12/travel-havana-cuba-americans/

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