Saving
Treasury bills for beginners: how T-bills pay you
Treasury bills lend money to the US government for weeks to a year, pay by selling at a discount, and skip state income tax — a saver's alternative to savings…
Author
Tomás Ferreira
Independent editorial contributor covering crypto markets, digital assets and fintech for VUGA Network publications.
Articles by Tomás Ferreira
Saving
How to save for a house down payment
Target the down payment plus closing costs plus reserves, park it in insured accounts on your timeline, and automate the monthly math — stocks do not belong in…
Saving
New I bond rate is 4.26% starting May 1, 2026
Series I savings bonds bought through October earn a 4.26% composite rate — a 0.90% fixed rate that lasts 30 years plus an inflation component of about 3.34%.
Saving
Where to keep your emergency fund
The emergency fund's job is availability, not growth — which rules out stocks, argues for high-yield savings, and makes a second bucket for slow-motion…
Saving
What is a CD, and when should you lock your money in one?
A certificate of deposit pays a fixed rate for a fixed term, with FDIC insurance up to $250,000 — the trade is a penalty for cashing in early.