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Crane Data'​s Tips for Holiday Cash: 1) pay off debts and credit cards first and keep some cash in checking; 2) weight convenience over yield for small balances (​1.​0% on $​1,​000 is just $​10 a year); 3) favor money funds over banks (​they'​re more liquid and higher yielding historically); 4) look for yields of at least 4.​8% currently; and, 5) consider checkwriting, minimums, brokerage/​fund family and other options.

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