Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

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Let’s start by clearing something up. A gentleman, although au fait with, and able to perform basic DIY skills, does not try to fix anything and everything in his house should it go wrong. Yes, he ...