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Savings Bonds Let You Defer Federal Tax Until You Cash Them. Here’s When That Helps.
That shoebox of old savings bonds represents decades of deferred federal tax, and the year you cash them can mean the difference between a modest tax bill and a Medicare surcharge that follows you for years.
MARKET OPEN
Europe
- 🇬🇧 FTSE 100+0.21%
- 🇩🇪 DAX+0.26%
- 🇫🇷 CAC 40+0.42%
London opened green but trailed the Continent, with the CAC 40's 0.42% gain doubling the FTSE's start. Earnings season is doing the lifting here, and the Bank of England's rate path is the next test.
CLOSING BELL
Asia
- 🇭🇰 Hang Seng-0.23%
- 🇨🇳 SSE Composite-0.76%
Mainland sellers set the tone: the SSE Composite's 0.76% drop was more than three times Hong Kong's loss, a sign traders are still waiting on Beijing to deliver real stimulus beyond targeted patches.
DTCC Launched Tokenization on Canton With Ondo as a Partner. Which Coin Benefits More?
DTCC just launched a tokenization service backed by Fidelity, JPMorgan, and Bank of America, and both Canton Coin and Ondo landed spots in the rollout. But a closer look at how the service actually works reveals that neither coin may benefit the way investors are expecting.
Reddit Pulser/personalfinance
I did this with over $50k in cash my dead dad hid. I said exactly that to the bank for their note: dad died and I found money around the house. It’s been fine. No taxes were charged. It’s not counted as income.
The $10,000 bank report is an anti-money-laundering flag rather than a tax bill, and inherited cash does not count as income. The real risk is breaking deposits into smaller chunks to dodge it, which is its own federal crime.
$100K in Goldman’s GPIX Collected $8,187 Over the Past Year. Forget the Dividend Aristocrats
Dividend Aristocrats have earned their reputation, but a newer options-income ETF is quietly handing retirees a very different size check each month while keeping total returns surprisingly close. The real question is which kind of income you actually need.
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Reddit Pulser/povertyfinance
If your credit score is decent you can consider balance transferring to a card from a different bank to get temporary 0% interest rate. It'll give you some breathing room to get that balance down before interest brings it up again.
The top answer in this 54-comment thread is a 0% balance transfer, which buys months of breathing room but only works if the balance actually falls before the promo expires. Otherwise it is the same debt at a higher rate with a later due date.
DATA RELEASE
10Y-2Y Treasury Yield Spread
+0.38 pp
+9 bp
The curve steepened 9 basis points in a single session, one of the sharpest daily moves this year and a direct read on how traders are repricing Fed policy. The spread stays positive, so no inversion signal here.
Source: FRED · T10Y2YMARKET OPEN
Nikkei 225🇯🇵 JPX
+0.23%
408.06
Tokyo opened 0.23% higher with the Bank of Japan decision hours away, and the hold is already priced. The guidance is the trade: any hawkish tilt toward a December hike flips the yen and resets exporter margins.
Your ETF’s Spread Looks Like Zero. Here’s What That Number Doesn’t Tell You
That 0.00% bid-ask spread on your ETF looks like free trading, but the number is calculated in a way that quietly ignores the moments most likely to cost you money.
New 52-week high$704.15+1.1% vs prior high · 2026-10-15
Thermo Fisher just printed a fresh 52-week high at $704.15, 1.1% above the peak it set on October 15. The $260.6 billion name has now clawed back everything it lost from April's $447 low.
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New 52-week high$1,174.61+0.8% vs prior high · 2026-08-17
United Rentals cleared its August peak with a new 52-week high at $1,174.61. The breakout level is the one to watch now.