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Technology and money in plain English · Since 2012

Morning briefing

Morning briefing:

The stories to know this morning.

  1. Trump Accounts: How to Claim the $1,000, Contribution Limits and Withdrawal Rules

    A Trump Account is a new IRA for children that can start with a $1,000 Treasury deposit. Here is who qualifies, how to claim it on Form 4547, the contribution limits, and when the money can be withdrawn.

  2. How to Switch Banks Without Missing a Payment: A Step-by-Step Checklist

    Moving your checking or savings to a new bank is mostly about timing. Here is a step-by-step checklist built on the CFPB's guidance, with a four-week calendar, a worked example, government deposit changes and your rights if an autopay goes wrong.

  3. Treasury Bills vs CDs vs High-Yield Savings: Rates Compared (Nov. 2026)

    Treasury bills, CDs and high-yield savings quote their rates differently. Here is how the three compare in dollars on $10,000, before and after tax, using auction results and bank rates from late October and November 2, 2026.

  4. How to Build a CD Ladder With Today's Rates (November 2026)

    A CD ladder splits your savings across CDs that mature at different times. Here is how to build one with $20,000, what each rung earns at November 2026 rates, and when a ladder is the wrong move.