https://payney.com/ Personal finance, investing and fintech news, guides and calculators. en-us Fri, 18 Sep 2026 16:41:53 +0000 https://payney.com/favicon-192.png https://payney.com/ 144 144 https://payney.com/blog/how-to-stock-market-today/ Stock market today: S&P 500 closed 7,637.76 Sept 17, 2026 and slipped Friday as the 10-year hit 5%. Hours, order types, T+1 settlement, worked example. Fri, 18 Sep 2026 16:41:53 +0000 https://payney.com/blog/how-to-stock-market-today/ markets https://payney.com/blog/ofac-sanctions-irans-bitbank-4-others-in-hormuz-toll-case/ OFAC designated Tehran exchange BitBank and four other targets on Sept 17, 2026, over bitcoin sent to the IRGC and Hormuz passage fees of $1m-$2m per tanker. Fri, 18 Sep 2026 13:38:58 +0000 https://payney.com/blog/ofac-sanctions-irans-bitbank-4-others-in-hormuz-toll-case/ regulation https://payney.com/blog/boj-hikes-to-125-yen-slides-to-157-as-nikkei-gains-15/ The Bank of Japan raised its policy rate 25bp to 1.25% in a 7-2 vote on Sept. 18, 2026. The yen fell to 157.085 per dollar and the Nikkei 225 closed 1.51% up. Fri, 18 Sep 2026 13:38:54 +0000 https://payney.com/blog/boj-hikes-to-125-yen-slides-to-157-as-nikkei-gains-15/ markets https://payney.com/blog/how-to-price-oil/ Oil is priced as a benchmark plus a differential: Brent settled at $105.83 and WTI at $102.43 on Sept 16, 2026. How quotes, formulas and spreads work. Thu, 17 Sep 2026 17:14:43 +0000 https://payney.com/blog/how-to-price-oil/ markets https://payney.com/blog/sp-global-buys-openzeppelin-behind-37t-transfers/ S&P Global agreed on Sept. 17, 2026 to buy OpenZeppelin, whose contracts underpin $37 trillion in transfers. Terms undisclosed; no material impact on results. Thu, 17 Sep 2026 14:20:24 +0000 https://payney.com/blog/sp-global-buys-openzeppelin-behind-37t-transfers/ crypto https://payney.com/blog/house-panel-advances-bitcoin-reserve-bill-in-28-21-vote/ House Financial Services advanced H.R. 8957 by 28-21 on Sept. 16, 2026, locking federal Bitcoin for 20 years and cutting proof-of-reserve reports to annual. Thu, 17 Sep 2026 14:20:18 +0000 https://payney.com/blog/house-panel-advances-bitcoin-reserve-bill-in-28-21-vote/ regulation https://payney.com/blog/sec-grants-5-year-exemption-for-tokenized-stock-trading/ The SEC's Innovation Exemption gives tokenized securities venues five years of conditional relief from exchange registration, effective Sept. 17, 2026. Thu, 17 Sep 2026 14:20:14 +0000 https://payney.com/blog/sec-grants-5-year-exemption-for-tokenized-stock-trading/ regulation https://payney.com/blog/house-panel-advances-crypto-tax-bill-hr-10357-in-38-5-vote/ The House Ways and Means Committee advanced crypto tax bill H.R. 10357 by 38-5 on Sept. 16, proposing a $10 fee exemption and digital-asset wash-sale rules. Thu, 17 Sep 2026 12:04:17 +0000 https://payney.com/blog/house-panel-advances-crypto-tax-bill-hr-10357-in-38-5-vote/ regulation https://payney.com/blog/bank-of-england-rate-at-375-what-we-could-verify/ Wikipedia lists Bank of England Bank Rate at 3.75%, down from a 5.25% peak in August 2023. A reported 17 September 2026 hold and 3.1% inflation are unverified. Thu, 17 Sep 2026 12:04:14 +0000 https://payney.com/blog/bank-of-england-rate-at-375-what-we-could-verify/ economy https://payney.com/blog/what-is-a-passkey/ A passkey is a cryptographic sign-in credential stored on your device or password manager. How synced and device-bound passkeys differ, and how recovery works. Wed, 16 Sep 2026 18:56:23 +0000 https://payney.com/blog/what-is-a-passkey/ fintech https://payney.com/blog/deutsche-bank-crypto-custody-4-assets-end-2026-launch/ Deutsche Bank plans institutional crypto custody by end-2026, starting with bitcoin, ether, USDC and EURC. The launch still awaits completion of regulatory checks. Wed, 16 Sep 2026 14:14:19 +0000 https://payney.com/blog/deutsche-bank-crypto-custody-4-assets-end-2026-launch/ banking https://payney.com/blog/fed-sept-16-decision-25bp-hike-would-be-first-since-2023/ The FOMC decides Sept. 16 at 2 p.m. ET. A 25bp hike would lift the target range to 3.75%-4.00%, the first rise since 2023, with July core PCE at 3.3%. Wed, 16 Sep 2026 14:14:04 +0000 https://payney.com/blog/fed-sept-16-decision-25bp-hike-would-be-first-since-2023/ economy https://payney.com/blog/bitcoin-etfs-shed-450m-as-senate-blocks-clarity-act/ US spot bitcoin ETFs logged $450M of net outflows on Sept 15, the day the Senate's CLARITY Act cloture vote failed 49-50. What the flows do not yet prove. Wed, 16 Sep 2026 14:13:58 +0000 https://payney.com/blog/bitcoin-etfs-shed-450m-as-senate-blocks-clarity-act/ crypto https://payney.com/blog/uk-inflation-hits-31-as-petrol-prices-jump-23-in-august/ UK CPI rose to 3.1% in August 2026 from 2.9%, driven by a 23% annual jump in motor fuel costs, while core inflation held at 2.9% before the BoE's 17 September call. Wed, 16 Sep 2026 12:49:18 +0000 https://payney.com/blog/uk-inflation-hits-31-as-petrol-prices-jump-23-in-august/ economy https://payney.com/blog/iran-war-fuel-bill-780-per-us-household-not-1700/ Brown's tracker puts the Iran war's extra fuel cost at about $780 per US household, $101 billion in total. The $1,700 household figure remains unverified. Wed, 16 Sep 2026 12:49:10 +0000 https://payney.com/blog/iran-war-fuel-bill-780-per-us-household-not-1700/ economy https://payney.com/blog/clarity-act-fails-senate-cloture-vote-49-50-whats-next/ The Senate blocked the CLARITY Act 49-50 on Sept. 15, 2026, eleven votes short of the 60 needed. What the official Senate record shows and what comes next. Wed, 16 Sep 2026 12:49:04 +0000 https://payney.com/blog/clarity-act-fails-senate-cloture-vote-49-50-whats-next/ regulation https://payney.com/blog/hardware-wallet-vs-exchange-custody/ A hardware wallet stores keys and signs transactions offline; coins stay on-chain. Compare exchange custody, backup formats, passphrases and recovery limits. Tue, 15 Sep 2026 18:30:46 +0000 https://payney.com/blog/hardware-wallet-vs-exchange-custody/ crypto 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