How to Make Money With Rising Interest Rates (5 Steps)

Buy an inverse or short bond fund exchange traded fund (ETF). As interest rates rise, the prices of long bonds will fall to reflect the higher yields. The price of an inverse or short bond ETF like the ProShares Short 20+ year Treasury (TBF) will go up as the price of the bonds goes down, enabling you to profit from the price drops.
Ensure that your savings accounts or other interest bearing bank accounts are all variable-rate accounts, so that the interest rates will rise in line with the market.
Set up a 'bond ladder' with your CD investments. This means that you invest in a series of CDs (certificates of deposit) with different maturities. As each one matures, you reinvest in a slightly longer maturity again, keeping the ladder intact. When interest rates rise, this ensures that you will have CDs maturing soon after the higher rates come in, enabling you to quickly reinvest at preferential rates.
Invest in floating rate notes (FRNs) rather than fixed-rate bonds. These reset their interest rates at set periods, usually every three months, based on a predetermined formula. This is usually a margin over London Interbank offered rate (LIBOR).
Ensure that your equity portfolio is concentrated in sectors that will benefit, or at least not suffer, because of rising rates. These include financials, as banks benefit from the wider spread between the rates charged to borrowers and paid to savers as underlying rates rise. Consumer staples also hold up well in times of rising rates. Demand for products from companies such as Coca-Cola (KO), is stable at such times.
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How to Earn Extra Money To Pay Off Debt (5 Steps)

Change your tax withholding. You can earn extra money in your paycheck each week just by changing your withholding. This may not sound very appealing to you if you enjoy getting a huge refund each year. However, if you use the extra money wisely every pay day to pay off debt or put in savings to collect interest, then it is definitely worth considering. Just don't withhold more than your allowable deductions or you may end up owing money next year.
Earn extra money with your clutter. Sell something that you have but don't need. Chances are that you are holding on to items that are worth something that have no sentimental value. Downsize now and start freeing yourself from clutter. After you get an idea of what sells on eBay or on other sites like Craigslist, you can start visiting garage sales and second-hand shops for items that you can purchase cheaply and sell for a profit.
Earn extra money with garage sales or consignment shops. This is a great alternative for those items that just just don't seem to be selling on eBay. You may not be able to earn extra money each month doing this, but you can still use what you earn to pay off debt.
Work online. This may seem easier said than done, but you really can earn extra money online writing or editing for any number of sites or employers. In most cases, the income wont be immediate, but down the road you can start bringing in a decent income.
Get a part-time job. Yes this may sound like a very unappealing way to earn extra money, but if you can find something to supplement your income just long enough to pay off debt, you will be better off in the long run.
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