The current rate environment hasn't been kind to borrowers. As the Federal Reserve increased its benchmark rate over the last year, the interest rates on everything from mortgages to personal loans, ...

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

The economy is changing once again. Inflation is multiple points lower than it was at this point three years ago and is less than half a percentage point above the Federal Reserve's 2% goal. Interest ...

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