David Keller, Author at The Financial Wire

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Treasury Inflation-Protected Securities raise their value with inflation, unlike a regular bond

David Keller2 months ago2 months ago09 mins

Investors holding standard U.S. Treasury bonds watch their fixed interest payments lose buying power every time consumer prices climb. Treasury Inflation-Protected Securities, known as TIPS, work differently: the principal itself rises and falls with inflation, and interest is calculated on that adjusted amount. At maturity, the holder receives whichever is greater, the inflation-adjusted principal or…

Attacking your highest-rate debt first saves the most money over time

David Keller2 months ago2 months ago08 mins

Borrowers carrying balances on multiple credit cards face a straightforward math problem: every dollar of extra payment directed at the wrong account costs them real money in avoidable interest. Federal regulators, university researchers, and public extension services all point to the same answer. Paying down the card with the highest annual percentage rate first, before…

Before you invest, confirm the company registered its offering with the SEC, for free

David Keller2 months ago2 months ago010 mins

Investors scrolling through social-media feeds or email inboxes encounter pitches for private deals, crowdfunding rounds, and startup shares on a near-daily basis. Many of these promotions skip a basic step that costs nothing and takes minutes: checking whether the company actually filed its offering documents with the Securities and Exchange Commission. The SEC’s Office of…

United states tax form on spreadsheet Tax Preparation concept

A raise that bumps you into a higher tax bracket only taxes the dollars above the line, not all your income

David Keller2 months ago2 months ago09 mins

Workers who land a raise and worry the extra income will be taxed at a punishing rate on every dollar they earn are operating on a stubborn myth. The Internal Revenue Service spells out that a higher bracket applies only to the slice of income above the threshold, not to total earnings. With the IRS…

Male hand holding a cellphone to check his credit score to apply for a loan to the bank

A credit score above 740 unlocks the best mortgage and auto-loan rates, often saving thousands

David Keller2 months ago2 months ago08 mins

Homebuyers and car shoppers with credit scores above 740 gain access to the lowest interest rates lenders offer, a threshold that can translate into thousands of dollars in savings over the life of a loan. The Consumer Financial Protection Bureau confirms that a borrower’s credit score directly shapes both mortgage eligibility and the rate a…

Piggy bank in soft focus on desk with blurred elderly man using laptop to fill out Internet pension application do accounting and paperwork at home manage personal finance or pay bills online

A free federal database can track down a 401(k) you left behind at an old job

David Keller2 months ago2 months ago09 mins

Workers who switched jobs and left retirement savings behind now have a free federal tool to search for those accounts. The Retirement Savings Lost and Found Database, created under the SECURE 2.0 Act of 2022, began accepting data from plan administrators in November 2024 and is designed to help people reconnect with 401(k) balances from…

Stock market chart shows a downward trend.

The 10-year Treasury yield jumped to about 4.5% as traders began pricing in Fed rate hikes instead of cuts

David Keller2 months ago2 months ago07 mins

Borrowers, investors, and anyone shopping for a mortgage felt the sting in early June 2026 when the 10-year Treasury yield climbed to 4.55%, driven by a sharp shift in trader expectations from rate cuts to possible rate hikes by the Federal Reserve. The move sent stocks lower and raised the cost of long-term borrowing across…

a person holding a bunch of money in their hand

Rates are climbing, so why is your “safe” bond fund losing money? Bond prices fall when interest rates rise

David Keller2 months ago2 months ago07 mins

Millions of Americans who parked retirement savings in bond funds for stability are watching those holdings lose value as interest rates climb. The reason is a bedrock rule of fixed-income investing: when market yields rise, prices of existing bonds fall. That inverse relationship, well documented by federal regulators and visible in Treasury auction data, is…

conceptual image for paying compound for the offense of the court

Strip out one $8 billion Ponzi judgment and the SEC’s fraud recoveries last year were about $2.7 billion

David Keller2 months ago2 months ago09 mins

The Securities and Exchange Commission reported $17.9 billion in monetary relief for fiscal year 2025, a figure that on its surface suggests a banner year for investor protection. But a single legacy case, the Robert Allen Stanford Ponzi scheme first charged in 2009, accounts for roughly $8 billion of that total. Remove it, along with…

Layoffs and Closures

Apple shut three U.S. stores for good on June 20 and blamed the malls failing around them

David Keller2 months ago2 months ago011 mins

Apple closed three U.S. retail stores on June 20, pulling out of malls in Escondido, California; Towson, Maryland; and Trumbull, Connecticut. The company has pointed to weakening mall environments around the locations, while one of the three was its first unionized U.S. store, raising questions about what really drove the exits. Local records and officials…

David Keller

Treasury Inflation-Protected Securities raise their value with inflation, unlike a regular bond

Attacking your highest-rate debt first saves the most money over time

Before you invest, confirm the company registered its offering with the SEC, for free

A raise that bumps you into a higher tax bracket only taxes the dollars above the line, not all your income

A credit score above 740 unlocks the best mortgage and auto-loan rates, often saving thousands

A free federal database can track down a 401(k) you left behind at an old job

The 10-year Treasury yield jumped to about 4.5% as traders began pricing in Fed rate hikes instead of cuts

Rates are climbing, so why is your “safe” bond fund losing money? Bond prices fall when interest rates rise

Strip out one $8 billion Ponzi judgment and the SEC’s fraud recoveries last year were about $2.7 billion

Apple shut three U.S. stores for good on June 20 and blamed the malls failing around them

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