Finance

Savers Deserve Better: The Importance of Compelling Banks to Raise Interest Rates

Published

3 years ago

March 2, 2023

Harry Williams

Attention all savers! Are you tired of earning next to nothing on your hard-earned money while banks continue to profit off of it? It’s time for a change. In this blog post, we will explore the importance of compelling banks to raise interest rates and why savers deserve better. Let’s dive in and discover how we can demand more from our financial institutions.

The current state of savings accounts and why savers deserve better

The average savings account interest rate is a measly 0.09% APY, which is abysmal when compared to the current inflation rate of 1.7%. This leaves savers with very little chance of growing their money and keeping up with the rising cost of living. In fact, most savers are actually losing money in real terms when they factor in inflation.

The problem is that banks have no incentive to raise interest rates on savings accounts since there is very little competition in the market. The big banks know that savers have nowhere else to go if they want to keep their money safe, so they can keep offering low rates without fear of losing customers.

This needs to change. Savers deserve better than to be treated like second-class citizens by the banks. They need compelling reasons to believe that their money will grow if they leave it in a savings account, and that starts with higher interest rates.

The history of interest rates and how they’ve been manipulated

Interest rates have a long and complicated history, full of ups and downs, peaks and valleys. They’ve been manipulated by governments, central banks, and commercial banks alike. All of this maneuvering has made it hard for savers to get ahead.

The first recorded interest rate dates back to Mesopotamia in the 3rd millennium BC. The ancient Sumerians are thought to have used an early form of interest rates to encourage agricultural production. Fast forward a few thousand years, and we see the rise of interest rates in medieval Europe. Here, they were used as a way to finance wars and other expensive ventures.

Interest rates remained relatively stable in the United States until the Great Depression. During this time, the Federal Reserve lowered rates to try and stimulate the economy. This caused a wave of bank failures and further economic decline. In response, Congress passed the Banking Act of 1933, which established the Federal Deposit Insurance Corporation (FDIC) and put strict regulations on banks in an effort to stabilize them.

After WWII, rates began rising as inflation increased. This led to more regulation from the federal government in an attempt to control inflationary pressures. In 1971, President Nixon took the US off the gold standard, which caused inflation to skyrocket. In order to tame inflation, the Fed raised rates dramatically – all the way up to 20%! – which caused a recession in 1974-1975.

In order to combat high unemployment during this recessionary period, the

How low interest rates hurt savers and the economy

When the Federal Reserve lowers interest rates, it’s main goal is to encourage borrowing and spending. This in turn can help boost the economy. However, there is another side to this coin. When rates are lowered, savers earn less on their deposits which can have a negative impact on their bottom line and discourage saving altogether.

This can have ripple effects throughout the economy as people pull back on their spending in order to make up for the loss of income from savings. Lower interest rates may also lead to inflation, as more money chases after fewer goods and services. This puts pressure on savers who see the purchasing power of their savings decline.

In order to combat these effects, banks need to be encouraged to raise interest rates on savings accounts and other products geared towards savers. This will provide them with a better return on their investment and help keep them motivated to save for the future. It will also help ensure that there is enough capital available for investment and lending, which is critical for a healthy economy.

What can be done to raise interest rates

The Federal Reserve has kept interest rates at historic lows for years now, and savers have suffered as a result. Many banks have been slow to follow suit and raise rates on savings accounts and certificates of deposit (CDs), choosing instead to keep their own rates low and pocket the difference. This has left savers struggling to earn enough interest to keep up with inflation, let alone grow their savings.

There are a few things that can be done to encourage banks to raise interest rates for savers. One is for the Fed to continue gradually raising rates itself. As the cost of borrowing goes up for banks, they will be more likely to pass those higher costs on to customers in the form of higher savings rates. Another option is for Congress to enact legislation that would require banks to raise rates on savings accounts and CDs in line with increases in the Fed’s target rate. This would ensure that savers would see some benefit from rising rates, even if their bank was slow to act.

Whatever solution is chosen, it’s important that something be done to help savers get better returns on their hard-earned money. With Interest rates expected to rise in the coming years, it’s time for banks to start paying attention to their customers’ needs and giving them the fair treatment they deserve.

Alternatives to traditional savings accounts

Savers have options beyond traditional savings accounts. They can choose from a variety of products, including certificates of deposit, money market accounts, and Treasury securities.

CDs offer savers a higher interest rate than a savings account, but there is a penalty for early withdrawal. Money market accounts also offer a higher interest rate, and while there is typically no penalty for early withdrawal, there may be restrictions on the number of withdrawals that can be made each month. Treasury securities are backed by the full faith and credit of the US government and offer a guaranteed return, but they can only be purchased through a broker.

With so many options available, savers should shop around to find the best deal. They should also consider their individual needs when choosing a savings product. For example, someone who needs quick access to their money may prefer a money market account over a CD.

Conclusion

Savers deserve better. We have seen firsthand how the current low-interest rate environment has crippled savers, and we must push for banks to raise interest rates so that people can begin to save again without having their money devalued by inflation. Banks are essential to our economy and should take responsibility for ensuring that their customers are able to reap the rewards of saving. By doing this, they will not only benefit themselves but also help support a stronger economic future for us all.

Author

Harry Williams

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Business

Will Ethereum’s Price Rise Continue? Key Factors to Watch

Published

15 minutes ago

October 13, 2025

blockdag12

Reviewed
By Arabella Holmes

Introduction

As 2025 unfolds, one question dominates the crypto landscape — will Ethereum go up? After years of volatility, technical upgrades, and shifting market sentiment, Ethereum remains the centerpiece of decentralized innovation. Its price has shown strong recovery from the lows of the last bear market, leading investors to wonder whether this momentum can continue.

Ethereum isn’t just another digital asset; it’s the foundation of decentralized finance (DeFi), NFTs, and layer-2 scaling solutions. Yet, like every major cryptocurrency, its future depends on a mix of macroeconomic forces, network fundamentals, and evolving investor psychology.

Let’s unpack the factors that will determine whether Ethereum’s rise continues or faces new resistance in the months ahead.

Will Ethereum’s Price Rise Continue? Key Factors to Watch

1. The Broader Market Context: Bitcoin’s Shadow and the Halving Effect

Ethereum’s market performance has historically mirrored Bitcoin’s price cycles. When Bitcoin rallies, liquidity tends to flow into altcoins like ETH soon after. In 2025, Bitcoin’s latest halving cycle — which cut mining rewards in half — has already triggered bullish momentum across the crypto space.

Historically, Ethereum outperforms Bitcoin in the post-halving period. This pattern has repeated since 2016, driven by investors rotating profits from Bitcoin into Ethereum and other major altcoins. If this pattern holds, it strengthens the argument that Ethereum’s price could continue rising through late 2025.

However, global macroeconomic conditions will also play a part. Interest rates, inflation trends, and investor risk appetite all shape how capital flows into crypto. A friendlier economic climate — with lower rates and easing inflation — could be the spark Ethereum needs to climb to new highs.

2. Ethereum’s Role in the Web3 Economy

Unlike most cryptocurrencies, Ethereum’s price isn’t purely speculative. Its value stems from being useful. Every transaction, NFT mint, or DeFi interaction on the network requires ETH for gas fees.

The rise of real-world asset (RWA) tokenization, institutional DeFi, and on-chain infrastructure points to one clear trend — Ethereum’s demand base is diversifying. Banks, fintechs, and enterprises are experimenting with tokenized securities and stablecoin settlements, and most of that activity still happens on Ethereum or its layer-2 networks.

More use means more demand for ETH, especially as gas fees remain a fundamental part of the network’s economy.

Moreover, Ethereum’s deflationary tokenomics (introduced by EIP-1559) continue to play a silent but powerful role. Since a portion of every transaction fee is burned, ETH’s total supply is gradually shrinking. Over time, this scarcity effect supports upward price pressure — especially during periods of high on-chain activity.

So, will Ethereum go up? If utility continues to rise and supply keeps shrinking, the long-term fundamentals certainly point in that direction.

3. Layer-2 Scaling and the Surge of the “Modular” Ethereum Era

Ethereum’s biggest challenge has always been scalability. High fees and network congestion have been recurring pain points. But the recent explosion of layer-2 (L2) networks including rollups and sidechains has transformed this narrative.

Optimistic and zero-knowledge rollups are processing millions of transactions daily, relieving pressure from the main Ethereum chain. This modular structure doesn’t just improve efficiency it expands Ethereum’s reach into gaming, microtransactions, and consumer applications that were previously too expensive to build.

Here’s the critical insight: most layer-2 networks still rely on ETH for settlement. As adoption of L2 solutions grows, so does indirect demand for Ethereum itself.

The ongoing integration of EIP-4844 (Proto-Danksharding) a major scalability upgrade further strengthens this dynamic. It reduces the cost of L2 transactions, paving the way for mass adoption while maintaining Ethereum’s security.

If Ethereum can maintain its position as the settlement layer for the decentralized web, it’s difficult to see its price momentum slowing down.

4. Institutional Interest: The Next Big Catalyst

Institutions are no longer ignoring Ethereum. The narrative around Ethereum ETFs — both spot and futures — has gained significant traction since late 2024. Regulatory approval in major markets could unleash billions of dollars in institutional inflows.

Ethereum offers institutions something Bitcoin doesn’t: yield. Through staking, investors can earn consistent returns while securing the network. This staking yield, typically between 3–5% annually, makes ETH attractive not just as a speculative asset but as a productive one.

Moreover, large financial firms are exploring Ethereum-based infrastructure for tokenized assets, stablecoins, and on-chain settlement systems. If this institutional trend continues, it will provide a long-term foundation of demand that supports Ethereum’s price far beyond retail speculation.

As institutional money flows into the ecosystem, the question “will Ethereum go up?” becomes less about hype and more about structural market adoption.

5. Technical and On-Chain Indicators

While fundamentals tell one story, on-chain metrics provide another layer of insight. As of 2025:

Staked ETH has surpassed 30% of total supply signaling confidence and reducing circulating liquidity.
Active addresses and transaction counts continue to rise, showing sustained network use.
ETH burn rates remain high, reinforcing its deflationary nature.

From a technical analysis perspective, Ethereum has established a strong support zone near $2,500–$2,800. If the market holds above this level, the next resistance points are likely near $3,800 and $4,200. A breakout above those ranges could confirm another bullish phase, potentially setting the stage for a move toward $5,000 a milestone traders have been eyeing since 2021.

However, Ethereum’s volatility remains high. Short-term corrections are normal, especially as traders take profits after major rallies. The key is whether Ethereum can maintain higher lows a sign of ongoing bullish strength.

6. Competition and Emerging Threats

Ethereum’s dominance is being challenged by high-performance blockchains such as Solana, Monad, and Avalanche. These networks boast faster transaction speeds and lower costs, attracting developers and liquidity.

However, Ethereum’s first-mover advantage and deep developer ecosystem continue to give it an edge. Most DeFi protocols, NFT projects, and Web3 infrastructure still originate or settle on Ethereum. Even many competitors integrate Ethereum bridges to ensure interoperability.

While competitors will nibble at Ethereum’s market share, its network effect built over nearly a decade remains unparalleled. Unless a major technical failure or governance crisis occurs, Ethereum’s leading position in the decentralized economy is likely secure.

So, will Ethereum go up in 2025 and beyond? The evidence points toward cautious optimism. Ethereum’s growth is no longer driven solely by speculation; it’s underpinned by utility, adoption, and deflationary economics.

The convergence of several forces — scalability improvements, institutional inflows, staking incentives, and macroeconomic tailwinds — makes a strong case for continued appreciation.

That said, investors should temper expectations with realism. Volatility, regulation, and competition will continue to create short-term turbulence. But from a multi-year perspective, Ethereum’s structural value proposition remains intact.

Conclusion

Ethereum’s price rise has been driven by upgrades, institutional interest, and its role in the crypto ecosystem. But whether that rise continues depends on how well future upgrades are executed, how regulation evolves, and how the global market behaves. The path forward is not guaranteed, but the potential is real. Watch key metrics like staking, network use, and capital flows to stay ahead. Whether you’re an investor or a watcher, understanding these forces helps you see where Ethereum might head next.

If you like, I can also provide updated technical charts, scenario forecasts, or a simplified version for beginners—just say the word.

Visit contrank for more Articles

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blockdag12

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Business

What is QuickBooks Utility Application and Why It Matters

Published

2 weeks ago

October 1, 2025

jinny4047

Reviewed
By Isabella Parker

QuickBooks Utility Application keeps popping up

Introduction

When working with QuickBooks, users often encounter a window labeled “QuickBooks Utility Application.” This prompt can confuse many, especially when it interrupts workflow or appears unexpectedly. If you have seen messages like QuickBooks Utility Application keeps popping up or been asked for an admin password by this tool, you are not alone. Understanding what this application does and why it shows up can help you keep your QuickBooks software running smoothly.

Understanding QuickBooks Utility Application

So, what is QuickBooks Utility Application exactly? This application is essentially part of the QuickBooks program designed to handle permissions. It ensures that QuickBooks has the necessary administrative rights to function correctly, perform updates, or access specific files.

Think of it as a behind-the-scenes safeguard. Whenever QuickBooks requires higher-level access or needs to install updates, the utility application intervenes and asks for your permission. Without this step, QuickBooks Desktop and even QuickBooks Desktop Accountant 2024 download versions would not be able to run crucial tasks.

Why Does QuickBooks Utility Application Keep Popping Up?

One of the most common user complaints is, QuickBooks Utility Application keeps popping up. There are several reasons why this happens:

Your QuickBooks installation may need administrative rights for certain tasks.
Updates or background processes are prompting the utility window.
The application is running in compatibility mode with Windows settings.
QuickBooks Utility Application asks for admin password each time because your system is preventing it from running as an administrator by default.

For some users, especially those running older systems like QuickBooks Utility Application keeps popping up 2021, this issue becomes even more noticeable because of outdated security settings or incomplete installations.

If this keeps happening, you can call at +1-866-408-0444 for step-by-step guidance tailored to your version of QuickBooks.

How to Fix QuickBooks Utility Application Popups

Rather than tolerating repeated interruptions, you can take proactive steps to reduce or prevent unnecessary prompts. Here are a few effective methods:

1. Run QuickBooks as an Administrator

Right-click on the QuickBooks icon and select “Run as Administrator.” You can also change the properties so it always opens this way, avoiding permission issues.

2. Update QuickBooks Desktop

Ensure you are running the latest version. If you are using QuickBooks Desktop Accountant 2024 download, updates should be installed immediately after installation for smoother operations.

3. Adjust Windows User Account Control (UAC)

Sometimes, overly strict UAC settings cause constant popups. Lowering the UAC level slightly can help reduce interruptions without compromising system security.

4. Reinstall QuickBooks if Necessary

If none of the above approaches work, a clean reinstall could be the solution. This refreshes program files and ensures the utility functions properly.

Still struggling? You can connect at +1-866-408-0444 to get step-by-step troubleshooting tailored to your system and QuickBooks version.

Why QuickBooks Utility Application Asks for Admin Password

Another challenge users face is when the QuickBooks Utility Application asks for admin password. This happens because the application requires elevated permission to access critical areas like company files, updates, or Windows services. While it may be slightly inconvenient, entering the password ensures your data remains secure and protected from unauthorized changes.

If you feel this is happening too often, you can set QuickBooks to always run as administrator. Doing this reduces the frequency of password prompts significantly. For users uncertain about changes, calling +1-866-408-0444 can help ensure configurations are handled correctly.
Read More: responsible gambling in online slots a simple guide

Importance of QuickBooks Utility Application

While at times the popups may feel frustrating, it is important to realize the purpose of this application. Without it, QuickBooks would struggle to communicate with system processes and might freeze, crash, or fail to update.

It ensures smooth database interaction.
Protects sensitive company file data with higher-level security.
Confirms updates and repairs are implemented correctly.

This makes the utility an essential component rather than an unnecessary annoyance.

Preventing Future Disruptions

A great way to prevent future pop-ups is by regularly updating QuickBooks and Windows. Also, ensure you have the latest QuickBooks Tool Hub installed, as it can help fix program-related glitches. If your machine regularly shows, QuickBooks Utility Application keeps popping up 2021 style messages, it may be a sign that an upgrade to a newer version is overdue.

Remember, QuickBooks evolves each year, and newer releases like QuickBooks Desktop Accountant 2024 download are optimized to minimize such interruptions.

For personal walkthroughs, remember you can always call at +1-866-408-0444 for quick resolutions.

Final Thoughts

The QuickBooks Utility Application may not be glamorous, but it plays a vital role in keeping your accounting software performing securely. Recognizing why popups appear and knowing how to address them will save you time and frustration. If repetitive prompts continue, don’t hesitate to call +1-866-408-0444 for quick, professional direction.

FAQs on QuickBooks Utility Application

Q1: What is QuickBooks Utility Application?
It is a tool within QuickBooks that ensures the program has correct permissions for updates, file access, and administrative tasks.

Q2: Why does QuickBooks Utility Application keep popping up?
Generally, it is caused by admin rights issues, Windows UAC settings, or incomplete QuickBooks installation. Older versions like 2021 are more prone to this.

Q3: Why does it ask for an admin password?
Because QuickBooks Utility Application requires elevated access to make changes to program files or company data securely.

Q4: How can I stop repeated popups?
Running QuickBooks as administrator, updating the software, adjusting UAC settings, or reinstalling the program usually resolves the issue.

Author

jinny4047

My self Jinny Thomas and working in BizBooksAdvice. BizBooksadvice is a leading accounting services provider specializing in comprehensive solutions for small and medium-sized businesses. Their expert team offers a full spectrum of services—including bookkeeping, tax filing, payroll management, financial reporting, and cash flow analysis—using advanced tools and a client-centric approach to ensure accuracy, compliance, and business growth. Call Us Now-+1-866-408-0444 View all posts

Finance

The Best Trading Platform for Every Trader: A Deep Dive into OnePip

Published

4 weeks ago

September 18, 2025

onepipapp

Reviewed
By Makayla Edith

Introduction

In the fast-paced world of trading, choosing the best trading platform can make all the difference between success and failure. With the vast array of online trading platforms available, from stock markets to cryptocurrencies, it can be overwhelming for both beginners and seasoned traders to decide which platform suits their needs. If you’re looking for a reliable, easy-to-use, and feature-packed online trading platform, look no further than OnePip.

Why Choosing the Right Trading Platform is Crucial

Before diving into the specifics of OnePip, it’s important to understand why choosing the right platform is so crucial. A trading platform is not just a tool for executing buy and sell orders; it is your gateway to the financial markets. A good trading platform should offer:

User-Friendly Interface: An intuitive design that makes navigation smooth and straightforward, especially for those new to online trading.
Comprehensive Trading Tools: Advanced charting tools, real-time data, and analysis features to make informed decisions.
Security: Protecting your funds and personal data should be a priority for any trading platform.
Low Fees and Fast Execution: A platform with competitive fees, tight spreads, and quick order execution can make a huge difference, especially in fast-moving markets.
Wide Range of Assets: Whether you trade stocks, forex, or cryptocurrencies, you need a platform that gives you access to a wide range of trading assets.

OnePip: The Best Trading Platform for Modern Traders

When we talk about the best online trading platform, OnePip comes to the forefront as an excellent option for both beginner traders and experienced professionals. Let’s explore why OnePip stands out in the crowded world of online trading.

1. User-Friendly and Intuitive Interface

OnePip has designed its platform with both novice traders and experts in mind. The user interface (UI) is clean and simple, with easy access to all the features you need to trade effectively. Unlike many platforms that overwhelm users with a complicated design, OnePip ensures that all essential tools are just a few clicks away. This ease of use allows traders to focus more on making informed decisions and less on figuring out how to use the platform.

2. Advanced Trading Tools

For more experienced traders, OnePip offers a comprehensive set of advanced trading tools. From real-time market data to interactive charts and in-depth technical analysis, traders have everything they need to make well-informed decisions. OnePip’s platform also includes automated trading options, allowing users to set up bots that can execute trades based on pre-set strategies. This makes OnePip suitable for traders with various expertise levels, whether you’re looking for simplicity or advanced features.

3. Wide Range of Assets

OnePip is versatile in its asset offerings. Whether you’re looking to trade stocks & forex, or cryptocurrencies, OnePip has you covered. Cryptocurrency enthusiasts will be pleased to know that OnePip supports popular cryptos like Bitcoin, Ethereum, and even lesser-known altcoins. Similarly, forex traders can take advantage of the platform’s access to global currency pairs, ensuring that your portfolio has the diversity needed to thrive in all market conditions.

4. Low Fees and Fast Execution

Fees can eat into your profits, and that’s why OnePip strives to keep its fees competitive. Unlike platforms that charge high spreads or hidden fees, OnePip offers transparent pricing. On top of that, the platform provides fast trade execution, allowing you to capitalize on the market’s fluctuations without delays. Speed is crucial in trading, particularly when prices can change within seconds, and OnePip ensures that trades are executed quickly and accurately.

5. Robust Security Measures

When it comes to trading, security should always be a top priority. OnePip understands the importance of protecting your personal information and funds. The platform uses state-of-the-art encryption to safeguard your data, ensuring that only authorized parties can access your account. Additionally, OnePip offers two-factor authentication (2FA) as an added layer of security to prevent unauthorized access to your account.

6. Mobile Trading Experience

In today’s world, trading is not limited to just your desktop. With OnePip’s mobile app, you can trade on the go with the same features and ease you’d find on the desktop version. This mobile trading experience is seamless, offering full functionality no matter where you are, making it ideal for traders who need to keep tabs on their investments anytime and anywhere.

7. Educational Resources for Beginners

For beginners, OnePip offers a plethora of educational resources. From tutorials and articles to webinars and videos, OnePip provides the tools you need to get up to speed with the world of online trading. These resources help newcomers navigate the basics of trading while giving them the confidence to enter more complex markets.

Why OnePip is the Best Platform for Crypto Trading

While OnePip is an excellent platform for stocks and forex, it truly shines in the crypto trading space. The world of cryptocurrency trading can be intimidating due to its volatility and the complexity of the markets, but OnePip simplifies it. By offering access to major cryptocurrencies like Bitcoin, Ethereum, and Litecoin, as well as lesser-known altcoins, OnePip gives crypto traders the flexibility and tools needed to profit in this fast-paced market. For more experienced traders, OnePip offers a wide range of trading tools. From real-time market data and charting features to automated trading bots, the platform provides everything you need to execute complex strategies and make informed decisions. These advanced tools are designed to give you an edge in the market, whether you’re trading stocks or exploring the volatility of cryptocurrencies.

Moreover, OnePip’s security and low fees are particularly advantageous in the crypto space, where security breaches and high fees can significantly impact profitability. With OnePip, you can rest assured that your funds are secure and that you’re trading with competitive fees.

Conclusion: Is OnePip the Best Trading Platform?

In conclusion, if you’re searching for a best trading platform that offers both reliability and features, OnePip should be at the top of your list. Whether you are trading stocks, forex, or cryptocurrencies, OnePip provides a seamless, user-friendly experience with advanced tools, low fees, and top-notch security. Its versatility and robust educational resources make it a perfect choice for traders at all levels, ensuring that everyone can trade confidently and effectively.

Choosing the right trading platform is a critical decision for anyone entering the world of online trading. Whether you’re a novice just starting or an experienced trader, the platform you use can significantly affect your trading experience and outcomes. When it comes to finding the best trading platform, one name consistently rises to the top: OnePip. OnePip truly stands out as the best online trading platform for a variety of reasons. Its user-friendly interface, wide range of assets, low fees, and advanced features make it an ideal choice for both beginners and experienced traders. Whether you’re trading stocks, forex, or cryptocurrencies, OnePip provides all the tools you need to trade confidently and successfully.

No matter your trading goals or asset preferences, OnePip provides a secure and efficient environment to help you achieve success in the financial markets.

Author

onepipapp

Discover the best trading platform for forex, crypto, and stocks at OnePip.app. Trade on a secure and user-friendly online trading platform. Explore top features for crypto trading, stock market trading, and forex trading. Start with the best broker for trading. Join OnePip today! View all posts