https://payney.com/ Personal finance, investing and fintech news, guides and calculators. en-us Tue, 15 Sep 2026 14:22:58 +0000 https://payney.com/favicon-192.png https://payney.com/ 144 144 https://payney.com/blog/10-year-treasury-yield-hits-504-highest-since-2007/ The 10-year Treasury yield touched 5.041% on Sept. 15, 2026, its highest since July 2007. What oil, 3.4% inflation and Wednesday's Fed vote mean for you. Tue, 15 Sep 2026 14:22:58 +0000 https://payney.com/blog/10-year-treasury-yield-hits-504-highest-since-2007/ markets https://payney.com/blog/doj-seeks-forfeiture-of-6119m-usdt-in-iran-oil-case/ US prosecutors filed a Sept. 14, 2026 complaint seeking forfeiture of 61.19M USDT frozen on 10 Tron addresses, alleged sanctioned Iranian oil proceeds. Tue, 15 Sep 2026 13:51:34 +0000 https://payney.com/blog/doj-seeks-forfeiture-of-6119m-usdt-in-iran-oil-case/ regulation https://payney.com/blog/house-crypto-tax-bill-drops-296b-staking-deferral/ The House's 114-page crypto tax bill, H.R. 10357, leaves out a mining and staking deferral estimated at $2.956 billion, with markup set for Sept. 16. Tue, 15 Sep 2026 13:51:05 +0000 https://payney.com/blog/house-crypto-tax-bill-drops-296b-staking-deferral/ regulation https://payney.com/blog/bitcoin-tops-79k-on-trump-iran-remarks-oil-still-high/ Bitcoin rose roughly 3% above $79,000 on Sept. 14 after Trump's Iran remarks, yet crude closed 1.29% higher on the day and a Fed decision lands Sept. 16. Mon, 14 Sep 2026 23:53:34 +0000 https://payney.com/blog/bitcoin-tops-79k-on-trump-iran-remarks-oil-still-high/ crypto https://payney.com/blog/8-bank-groups-seek-tighter-clarity-act-stablecoin-limits/ Eight banking trade groups want tighter stablecoin reward limits before the Senate's 60-vote CLARITY Act cloture test at 2:15 p.m. ET on Sept. 15, 2026. Mon, 14 Sep 2026 23:53:22 +0000 https://payney.com/blog/8-bank-groups-seek-tighter-clarity-act-stablecoin-limits/ regulation https://payney.com/blog/bitcoin-hits-78280-as-chip-index-falls-almost-6-monday/ Bitcoin traded as high as $78,280 on Sept 14 as the chip index fell almost 6% on AI slowdown calls, with a Senate vote and Fed decision due this week. Mon, 14 Sep 2026 22:44:24 +0000 https://payney.com/blog/bitcoin-hits-78280-as-chip-index-falls-almost-6-monday/ crypto https://payney.com/blog/warshs-fed-9-3-july-vote-frames-sept-16-hike-fight/ Markets put roughly 83% odds on a quarter-point Fed hike on Sept. 16 after July's 9-3 hold. What is verified about Warsh's vote count, and what is not. Mon, 14 Sep 2026 22:44:14 +0000 https://payney.com/blog/warshs-fed-9-3-july-vote-frames-sept-16-hike-fight/ economy https://payney.com/blog/snowflake-lifts-fy2027-product-revenue-view-to-607b/ Snowflake's Q2 product revenue rose 37% to $1.49bn and FY2027 guidance went to $6.07bn from $5.84bn. The figures that matter, and the ones still missing. Mon, 14 Sep 2026 22:44:12 +0000 https://payney.com/blog/snowflake-lifts-fy2027-product-revenue-view-to-607b/ investing https://payney.com/blog/shopify-transaction-fees/ Understand Shopify transaction fees, US plan rates, PayPal exceptions and refund costs, with a $100 order example and steps to check your bill. Mon, 14 Sep 2026 20:37:01 +0000 https://payney.com/blog/shopify-transaction-fees/ fintech https://payney.com/blog/wto-stablecoins-are-just-3-of-international-payments/ Stablecoins are about 3% of international payments, the WTO said on Sept. 14, 2026, blaming fragmented rules; only five jurisdictions have final frameworks. Mon, 14 Sep 2026 15:55:26 +0000 https://payney.com/blog/wto-stablecoins-are-just-3-of-international-payments/ regulation https://payney.com/blog/ais-market-grip-slips-as-vixeq-vix-spread-sheds-14-points/ VIXEQ-VIX spread hit a record 34.14 points on July 9, then narrowed over 14 points as the 10-year Treasury yield touched 5% before the Sept. 16 Fed call. Mon, 14 Sep 2026 15:55:19 +0000 https://payney.com/blog/ais-market-grip-slips-as-vixeq-vix-spread-sheds-14-points/ markets https://payney.com/blog/stocks-slide-as-10-year-hits-5-brent-holds-near-108/ The 10-year Treasury yield hit 5% on Sept. 14, 2026, as Brent crude held near $108 and a key semiconductor gauge sank 5.7% two days before the Fed's call. Mon, 14 Sep 2026 15:55:14 +0000 https://payney.com/blog/stocks-slide-as-10-year-hits-5-brent-holds-near-108/ markets https://payney.com/blog/chargeback-vs-refund/ Compare chargebacks, refunds and authorization reversals, follow a $100 order example, and handle a refund request after a payment dispute opens. Mon, 14 Sep 2026 10:28:46 +0000 https://payney.com/blog/chargeback-vs-refund/ fintech https://payney.com/blog/blockstream-refuses-ransom-over-5985-btc-liquid-hack/ Blockstream won't pay ransom for the 598.5 BTC (about $47M) still missing after the Sept 6 Liquid Network exploit. The verified numbers and what stays open. Sat, 12 Sep 2026 21:38:42 +0000 https://payney.com/blog/blockstream-refuses-ransom-over-5985-btc-liquid-hack/ crypto https://payney.com/blog/nvidia-weighs-10b-anchor-stake-in-anthropics-2t-ipo/ Reuters says Nvidia may commit up to $10 billion as an anchor investor in Anthropic's IPO, a raise of up to $100 billion at a roughly $2 trillion valuation. Sat, 12 Sep 2026 21:38:17 +0000 https://payney.com/blog/nvidia-weighs-10b-anchor-stake-in-anthropics-2t-ipo/ investing https://payney.com/blog/revolut-breach-exposed-14-data-types-including-bitcoin-logs/ Revolut gave passports, selfies and full Bitcoin transaction histories to a fake government request; 14 data types listed, affected count still undisclosed. Sat, 12 Sep 2026 21:38:10 +0000 https://payney.com/blog/revolut-breach-exposed-14-data-types-including-bitcoin-logs/ fintech https://payney.com/blog/trumps-fed-ultimatum-meets-66-odds-of-a-rate-hike/ Trump threatened to halt trade with deficit countries unless the Fed cuts. Markets instead priced a 66.1% chance of a hike at the Sept. 15-16 FOMC meeting. Sat, 12 Sep 2026 12:54:26 +0000 https://payney.com/blog/trumps-fed-ultimatum-meets-66-odds-of-a-rate-hike/ economy https://payney.com/blog/us-equity-funds-shed-3227bn-as-oil-tops-100-a-barrel/ Investors pulled a net $32.27 billion from US equity funds in the week to September 9, 2026, LSEG Lipper data showed, as Brent crude topped $100 a barrel. Sat, 12 Sep 2026 12:54:01 +0000 https://payney.com/blog/us-equity-funds-shed-3227bn-as-oil-tops-100-a-barrel/ markets https://payney.com/blog/ge-aerospaces-1175b-cpp-deal-what-investors-know/ GE Aerospace is paying $11.75 billion for castings maker CPP, about 18x 2027 EBITDA including synergies. The figures, the risks and what is still unknown. Sat, 12 Sep 2026 11:14:03 +0000 https://payney.com/blog/ge-aerospaces-1175b-cpp-deal-what-investors-know/ investing https://payney.com/blog/cpi-34-oil-slips-under-100-oracle-revenue-up-30/ U.S. CPI rose 3.4% in the year to August, WTI crude slid to $99.87 a barrel and Oracle booked $19.3 billion of quarterly revenue days before the Fed meets. Sat, 12 Sep 2026 11:13:48 +0000 https://payney.com/blog/cpi-34-oil-slips-under-100-oracle-revenue-up-30/ markets https://payney.com/blog/global-equity-funds-shed-1552bn-as-brent-tops-100/ Investors pulled a net $15.52bn from global equity funds in the week to Sept 9, LSEG Lipper data show; US funds alone lost $32.27bn as Brent topped $100. Sat, 12 Sep 2026 11:13:39 +0000 https://payney.com/blog/global-equity-funds-shed-1552bn-as-brent-tops-100/ markets https://payney.com/blog/bitcoin-sell-side-risk-falls-to-7-bps-lowest-in-a-year/ Glassnode says Bitcoin's sell-side risk fell to 7 basis points a day from 16 in August, while US spot ETFs have closed below $86K break-even 228 sessions. Fri, 11 Sep 2026 23:17:24 +0000 https://payney.com/blog/bitcoin-sell-side-risk-falls-to-7-bps-lowest-in-a-year/ crypto https://payney.com/blog/coinbase-moov-put-stablecoins-in-1000-community-banks/ Coinbase and Moov are adding stablecoin payments to more than 1,000 US community banks and credit unions. How many have activated it is not yet disclosed. Fri, 11 Sep 2026 23:17:14 +0000 https://payney.com/blog/coinbase-moov-put-stablecoins-in-1000-community-banks/ fintech https://payney.com/blog/us-consumer-sentiment-falls-to-478-as-inflation-fears-rise/ University of Michigan sentiment fell to 47.8 in September from 51.7, with year-ahead inflation expectations at 4.6%, days before the Fed's Sept. 16 decision. Fri, 11 Sep 2026 22:45:59 +0000 https://payney.com/blog/us-consumer-sentiment-falls-to-478-as-inflation-fears-rise/ economy https://payney.com/blog/umbrella-insurance-explained/ Umbrella insurance adds liability limits above your home, renters or auto policy. See required underlying limits, exclusions, gaps and a worked example. Fri, 11 Sep 2026 18:39:28 +0000 https://payney.com/blog/umbrella-insurance-explained/ insurance https://payney.com/blog/50-30-20-budget-rule-explained/ The 50/30/20 rule splits take-home pay into 50% needs, 30% wants and 20% savings or debt goals: a $4,000 worked example, high-rent math and payroll fixes. Fri, 11 Sep 2026 16:44:16 +0000 https://payney.com/blog/50-30-20-budget-rule-explained/ budgeting https://payney.com/blog/indias-sebi-tokenises-1025-crore-rupees-of-corporate-bonds/ SEBI and RBI launched Demat 2.0 on Sept 10, 2026 after REC, L&T and IIFL issued Rs 1,025 crore (about $107m) of tokenised bonds settled in wholesale CBDC. Fri, 11 Sep 2026 11:48:35 +0000 https://payney.com/blog/indias-sebi-tokenises-1025-crore-rupees-of-corporate-bonds/ fintech https://payney.com/blog/bitcoin-drops-below-77k-after-us-ppi-hits-54-annual-rate/ US producer prices rose 5.4% in the year to August 2026, 0.1 point above the Dow Jones consensus; bitcoin fell to $76,651 and the 30-year yield hit 5.37%. Thu, 10 Sep 2026 23:12:36 +0000 https://payney.com/blog/bitcoin-drops-below-77k-after-us-ppi-hits-54-annual-rate/ crypto https://payney.com/blog/fed-rate-hike-odds-hit-70-for-sept-16-after-54-ppi/ Futures-implied odds of a Fed rate hike on Sept. 16 jumped to 70% after August producer prices rose 0.4% and oil topped $100. August CPI lands Friday. Thu, 10 Sep 2026 23:12:26 +0000 https://payney.com/blog/fed-rate-hike-odds-hit-70-for-sept-16-after-54-ppi/ economy https://payney.com/blog/lords-back-uk-digital-asset-strategy-in-194-138-vote/ Peers voted 194-138 on 9 September 2026 to make the Treasury publish a UK digital asset strategy within 12 months of Royal Assent. The Commons rules next. Thu, 10 Sep 2026 23:12:21 +0000 https://payney.com/blog/lords-back-uk-digital-asset-strategy-in-194-138-vote/ regulation