Credit card debt is a major financial burden for millions of Americans. With average credit card interest rates often exceeding 20%, carrying a balance can quickly become expensive. Balance transfer credit cards offer a practical solution, allowing borrowers to transfer high-interest debt to a lower-interest card, sometimes even 0% APR, and potentially save hundreds or … Read more
Credit card debt is one of the leading financial burdens for Americans. But what if you could borrow money interest-free for months, sometimes over a year? That’s exactly what 0% APR credit cards offer. These cards can save you hundreds or even thousands in interest charges, help consolidate debt, or finance large purchases—but only if … Read more
Refinancing a mortgage in the United States can be one of the smartest financial decisions a homeowner makes—when done at the right time and for the right reasons. With mortgage balances often stretching into the hundreds of thousands of dollars, even a small reduction in interest rates can translate into tens of thousands of dollars … Read more
Understanding refinance types helps you choose the best option for your situation. 1. Rate-and-Term Refinance This is the most common type of home loan refinance. Purpose Lower interest rate Change loan term (30-year to 15-year, for example) Best for Homeowners seeking long-term savings 2. Cash-Out Refinance A cash-out refinance lets you borrow more than you … Read more
Mortgage refinance rates play a major role in determining how much homeowners pay over the life of their loan. Even a small change in interest rates can mean tens of thousands of dollars in savings—or extra costs—depending on when and how you refinance. Whether you want to lower your monthly payment, shorten your loan term, … Read more
In early January 2026, the cryptocurrency world received significant news: **Tether — the issuer of the world’s largest stablecoin, USDT — reportedly invested between $40 million and $50 million in the crypto lending platform Ledn, valuing the company at roughly $500 million. The deal, first detailed by CoinDesk and confirmed by multiple industry sources, marks … Read more
As 2026 begins, Mercado Bitcoin — one of Latin America’s largest cryptocurrency exchanges — has released a forward-looking analysis identifying six key trends expected to shape the crypto markets this year. These trends reflect broader shifts in adoption, regulation, technology, and the ways digital assets interact with traditional finance. Whether you’re an institutional investor, retail … Read more
On January 9–10, 2026, The Bank of New York Mellon (BNY Mellon) — the world’s largest custodial bank, overseeing nearly $58 trillion in assets under custody and/or administration — launched a tokenized deposits service that allows institutional investors to mirror traditional bank deposits onto a permissioned blockchain. This represents a major milestone in the evolution … Read more
A New Era for Digital Money and Public Finance In a landmark moment for digital assets, the State of Wyoming has officially made its state-issued stablecoin, known as the Frontier Stable Token ($FRNT), publicly available—marking the first time a U.S. state government has launched its own fiat-backed digital currency into live circulation. This move, which … Read more
World Liberty Financial — a cryptocurrency venture closely associated with former U.S. President Donald J. Trump and his family — has submitted an application to the U.S. Office of the Comptroller of the Currency (OCC) to establish a national trust bank charter that would allow it to issue, custody, and redeem its flagship stablecoin, USD1. … Read more