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    <title>The Daily News 24 — Finance</title>
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    <description>Coverage of borrowing on both sides of the economy: mortgage and card debt, delinquency rates, corporate leverage and the cost of money.</description>
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    <lastBuildDate>Tue, 08 Sep 2026 01:09:28 GMT</lastBuildDate>
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      <title>37% Top Tax Bracket Doesn&apos;t Apply to All Income</title>
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      <description><![CDATA[IRS Revenue Procedure 2025-32 sets the 2026 federal income tax brackets, and the mechanism behind them trips up more taxpayers than the numbers themselves.]]></description>
      <pubDate>Mon, 17 Aug 2026 08:51:22 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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      <title>How Deposit Insurance Limits Work</title>
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      <description><![CDATA[FDIC insurance covers $250,000 per depositor, per bank, per ownership category — a formula that multiplies coverage. Rules, gaps, and the 2023 precedent.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Lena Fischer</dc:creator>
      <category>Finance</category>
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      <title>How Bank Failures Get Resolved by the FDIC</title>
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      <description><![CDATA[The FDIC closes banks on Friday and reopens them Monday under a buyer. Resolution tools, uninsured deposits, and the lessons of the 2023 failures.]]></description>
      <pubDate>Tue, 14 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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      <title>How Grace Periods and Balance Transfers Work</title>
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      <description><![CDATA[Grace periods make card interest avoidable; balance transfers refinance it at 0 percent with fees and reversion cliffs. Mechanics, rules, and the traps.]]></description>
      <pubDate>Sun, 21 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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      <title>Auto Loan Rates and the Fed Rate</title>
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      <description><![CDATA[Auto loans price off swap-based funding and loss expectations, so Fed cuts barely moved them. Delinquencies, used-car values, and captive finance.]]></description>
      <pubDate>Fri, 29 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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      <title>What a High-Yield Savings Account Is</title>
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      <description><![CDATA["High-yield" is marketing for competitive FDIC-insured savings — top accounts paid 10x the national average. Rates, rules, and alternatives.]]></description>
      <pubDate>Wed, 06 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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      <title>How Certificate of Deposit Rates Lock In</title>
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      <description><![CDATA[CD rates are fixed for the term, FDIC-insured to standard limits, with early-withdrawal penalties priced upfront. CDs, ladders, and brokered CDs.]]></description>
      <pubDate>Tue, 14 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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      <title>Mortgage Rates and the 10-Year Treasury</title>
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      <description><![CDATA[The 30-year mortgage prices off the 10-year Treasury plus a spread stuck near 2.3 points since 2022. Why Fed cuts barely moved home loan rates.]]></description>
      <pubDate>Sun, 22 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
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      <title>How Credit Card APRs Track the Prime Rate</title>
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      <description><![CDATA[Card APRs reprice off the prime rate plus a credit-based margin and rose past 21 percent with the Fed. How card pricing and grace periods work.]]></description>
      <pubDate>Fri, 27 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Lena Fischer</dc:creator>
      <category>Finance</category>
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      <title>APY vs. APR, Explained</title>
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      <description><![CDATA[APR is a loan's yearly cost without compounding; APY is a deposit's yield with it. How each is calculated, disclosed, and used in marketing.]]></description>
      <pubDate>Wed, 04 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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      <title>How the Fed Funds Rate Reaches Savers and Borrowers</title>
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      <description><![CDATA[The Fed's overnight rate passes through to savings accounts, credit card APRs, and SOFR loans at very different speeds. Here is how transmission works.]]></description>
      <pubDate>Tue, 13 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Gabriela Montoya</dc:creator>
      <category>Finance</category>
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