I bonds vs high-yield savings: 4.26% is not an APY
New Series I bonds issued May 1 through October 31, 2026 pay a 4.26% composite rate for the first six months. A HYSA quotes an APY a bank can change. Those are not the same product.
Finance
Pass-through vs C-corp: a one-page map for a solo founder
Most one-person shops are pass-throughs. C-corps show up when you want certain investors or to keep earnings in the company. Tax law is not a vibe.
High-yield savings vs a CD: liquidity is the product
When yields are still interesting, the real choice is not a tenth of a percent. It is whether you can take the money out without a penalty.
What FDIC insurance covers (and the $250,000 misunderstanding)
The limit is per depositor, per insured bank, per ownership category — not per account nickname in the app.
How credit utilization actually hits a FICO score
Utilization is balances versus limits, reported when the issuer reports. Paying in full after the statement can still show a high number.