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Keeping a daily diary doesn't come easily to most people, but it takes less effort than you might imagine. It could also become a meaningful way to reflect and grow as a person. For more than 10 years ...

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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.