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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…
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Tomás Ferreira
Tomás Ferreira covers crypto markets and digital assets. He came to crypto through payments infrastructure and still finds the plumbing more interesting than the price — his reporting spans consensus, settlement and custody, the fintech layer above banking, index flows and single-company results, and the cash reserves and savings timelines on the household side.
Articles by Tomás Ferreira
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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%.
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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…
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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.
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Savings account vs. money market account: how they differ
Both are FDIC-insured cash accounts with similar yields — the real differences are access features, minimums, and how you plan to use the money.