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Investozora

Investozora

Investozora | U.S. Financial News & Economic Research

Trending News
Social Security Administration office building with an SSA sign beside the entrance and visitor parking area. Social Security Says Phone Wait Times Fell 80% Since 2024. What Callers Should Know
U.S. Banks Tighten Small-Business Lending Standards Banks Report Tighter Lending to Small Firms While Large-Firm Standards Hold
Aerial view of large crude oil storage tanks and pipeline infrastructure at an industrial oil facility. Oil Prices Fall More Than 7% as Iran Talks Raise Hopes of Supply Relief
Tower cranes and construction equipment at a building site, illustrating the US construction spending report for September 2026. US Construction Spending Falls 1.9% as Residential Projects Slump
Workers operate industrial machinery inside a large US manufacturing facility with automated production equipment and overhead ventilation systems. US Manufacturing Activity Accelerates in October as Input Prices Stay High

Top Stories

Social Security Administration office building with an SSA sign beside the entrance and visitor parking area.
SSA News

Social Security Says Phone Wait Times Fell 80% Since 2024. What Callers Should Know

Adarsha DhakalNovember 3, 2026November 3, 2026
U.S. Banks Tighten Small-Business Lending Standards
Banking

Banks Report Tighter Lending to Small Firms While Large-Firm Standards Hold

Adarsha DhakalNovember 3, 2026November 3, 2026
Aerial view of large crude oil storage tanks and pipeline infrastructure at an industrial oil facility.
Commodities

Oil Prices Fall More Than 7% as Iran Talks Raise Hopes of Supply Relief

Adarsha DhakalNovember 3, 2026November 3, 2026
Tower cranes and construction equipment at a building site, illustrating the US construction spending report for September 2026.
Economy

US Construction Spending Falls 1.9% as Residential Projects Slump

Adarsha DhakalNovember 3, 2026November 3, 2026
Workers operate industrial machinery inside a large US manufacturing facility with automated production equipment and overhead ventilation systems.
Economy

US Manufacturing Activity Accelerates in October as Input Prices Stay High

Adarsha DhakalNovember 3, 2026November 3, 2026
Palantir Technologies logo and company signage displayed at an event.
Stocks

Palantir Revenue Jumps 96% as US Commercial Sales Overtake Government

Adarsha DhakalNovember 3, 2026November 3, 2026
Black Apple logo on a silver device, illustrating Apple's record $114.5 billion September-quarter revenue in 2026.
Stocks

Apple Reports Record $114.5 Billion September Quarter as iPhone Sales Rise

Adarsha DhakalNovember 3, 2026November 3, 2026
Marvell Technology corporate building with the company’s prominent logo and signage outside its headquarters.
Stocks

Marvell Strikes All-Stock Lumentum Deal Valued at $115 Billion

Adarsha DhakalNovember 3, 2026November 3, 2026

More Stories

Social Security Administration office building with an SSA sign beside the entrance and visitor parking area.
SSA News

Social Security Says Phone Wait Times Fell 80% Since 2024. What Callers Should Know

U.S. Banks Tighten Small-Business Lending Standards
Banking

Banks Report Tighter Lending to Small Firms While Large-Firm Standards Hold

Aerial view of large crude oil storage tanks and pipeline infrastructure at an industrial oil facility.
Commodities

Oil Prices Fall More Than 7% as Iran Talks Raise Hopes of Supply Relief

Tower cranes and construction equipment at a building site, illustrating the US construction spending report for September 2026.
Economy

US Construction Spending Falls 1.9% as Residential Projects Slump

Our Mandate: Independent U.S. Financial Reporting

Founded in August 2025 by Adarsha Dhakal, Investozora is an independent financial news and economic research publication covering the U.S. economy, Federal Reserve policy, Treasury operations, financial markets, banking, inflation, employment, IRS taxation, Social Security, and federal financial systems. Our mission is to explain consequential financial developments through original reporting, verified economic data, transparent calculations, and independent analysis that distinguishes established facts from interpretation.

Our reporting prioritizes original government records from the Federal Reserve, U.S. Treasury, Bureau of Labor Statistics, Bureau of Economic Analysis, IRS, and Social Security Administration. We examine official releases, underlying datasets, policy documents, and historical records to establish what changed, why it matters, and what the available evidence supports. Financial-market observations are verified against appropriate original market records. Our commitment is to financial journalism that readers can independently examine and trust.

Editorial Standards: Accuracy, Independence & Accountability

Investozora's editorial process prioritizes primary-source verification, numerical accuracy, methodological transparency, and human editorial judgment. Material claims are checked against their originating records, including applicable release dates, reporting periods, statistical definitions, revisions, and supporting documentation. Independent calculations are distinguished from official figures, while market interpretations, forecasts, and causal explanations are presented according to the strength of their evidence.

Our reporting is guided by published Editorial Standards, a documented Research Methodology, a Fact-Checking Policy, and a transparent Corrections Policy. Editorial decisions remain independent of commercial influence, and responsibility for published work rests with identifiable human editorial leadership. Readers can examine our sources, challenge factual findings, and report potential errors to editorial@investozora.com.

Founder & Editor

Adarsha Dhakal, Founder and Editor of Investozora

Adarsha Dhakal

Founder & Editor of Investozora

Adarsha Dhakal is a financial journalist and the Founder and Editor of Investozora, an independent U.S. financial news and economic research publication he established in August 2025. He covers the U.S. economy, Federal Reserve policy, Treasury operations, financial markets, banking, IRS taxation, and Social Security. His reporting emphasizes original government records, verified economic data, transparent calculations, and the distinction between facts and analysis. His financial and economic analysis has also appeared on Investing.com.

Read Our Research Methodology

Social Security Trust Fund Depletion 2032: CBO Projections, Timeline, and Benefit Impact
SSA News

Social Security Trust Fund Depletion 2032: CBO Projections, Timeline, and Benefit Impact

Adarsha DhakalMay 28, 2026July 22, 2026

The Social Security trust fund that pays retirement benefits, the Old-Age and Survivors Insurance (OASI)…

IRS Discriminant Function Score Explained: Audit Selection, Scoring System, and How It Works
IRS Notices

IRS Discriminant Function Score Explained: Audit Selection, Scoring System, and How It Works

Adarsha DhakalMay 28, 2026July 22, 2026

The IRS DIF score, Discriminant Function System score is the automated algorithm the Internal Revenue…

How Money Moves in America: ACH, Fedwire, and Real-Time Payments Compared
Federal Payments

How Money Moves in America: ACH, Fedwire, and Real-Time Payments Compared

Adarsha DhakalMay 28, 2026July 22, 2026

The Federal Reserve’s FedNow® Service continues operating on a 24/7/365 real-time settlement basis with no…

How Federal Reserve Cools Inflation: Interest Rates, Tools, and Impact on Grocery Prices
Inflation

How Federal Reserve Cools Inflation: Interest Rates, Tools, and Impact on Grocery Prices

Adarsha DhakalMay 28, 2026August 2, 2026

The Federal Reserve Board of Governors currently holds the Interest on Reserve Balances rate at…

IRS EITC Maximum $8,046 2026: Eligibility, Income Limits, and How to Claim
Tax Filing

IRS EITC Maximum $8,046 2026: Eligibility, Income Limits, and How to Claim

Adarsha DhakalMay 27, 2026July 22, 2026

The IRS Earned Income Tax Credit for tax year 2025 carries a maximum payout of…

PCE Inflation Report: How It Tests Treasury Markets, Yields, and Federal Reserve Policy
Treasury Securities

PCE Inflation Report: How It Tests Treasury Markets, Yields, and Federal Reserve Policy

Adarsha DhakalMay 27, 2026August 2, 2026

The Bureau of Economic Analysis is scheduled to release the Personal Consumption Expenditures price index…

Kevin Warsh Inherits Federal Reserve Balance Sheet Losing $18.7 Billion: Causes and Impact
Operations

Kevin Warsh Inherits Federal Reserve Balance Sheet Losing $18.7 Billion: Causes and Impact

Adarsha DhakalMay 27, 2026August 2, 2026

Warsh’s first FOMC decision arrives today at 2:00 PM ET. The rate hold versus cut…

Social Security Direct Express Card Change Summer 2026: New Cards for 3.6 Million, Rules, and Fees
SSI Disability

Social Security Direct Express Card Change Summer 2026: New Cards for 3.6 Million, Rules, and Fees

Adarsha DhakalMay 27, 2026July 22, 2026

The Direct Express debit card transition remains underway for approximately 3.6 million Social Security and…

How Government Borrows Past Legal Debt Limit: Extraordinary Measures and Treasury Actions
Debt Liquidity

How Government Borrows Past Legal Debt Limit: Extraordinary Measures and Treasury Actions

Adarsha DhakalMay 26, 2026August 2, 2026

The United States debt ceiling currently stands at $41.1 trillion, raised by $5 trillion when…

How New Family Standard Deduction Changes Your Tax Return: Amounts, Rules, and Impact
Tax Filing

How New Family Standard Deduction Changes Your Tax Return: Amounts, Rules, and Impact

Adarsha DhakalMay 26, 2026July 22, 2026

The IRS has officially confirmed the 2026 standard deduction amounts under Revenue Procedure 2025-32: $32,200…

Congress Caregiver Benefits Bill: Social Security Credits, Eligibility, and Impact
SSI Disability

Congress Caregiver Benefits Bill: Social Security Credits, Eligibility, and Impact

Adarsha DhakalMay 26, 2026July 22, 2026

H.R. 8490, the Social Security Caregiver Credit Act of 2026, was introduced in the House…

How New Tax Law Affects Federal Reserve Rate Decisions: Policy Impact and Economic Outlook
Federal Reserve Policy

How New Tax Law Affects Federal Reserve Rate Decisions: Policy Impact and Economic Outlook

Adarsha DhakalMay 26, 2026July 22, 2026

The Federal Reserve holds its federal funds rate in the 3.50%–3.75% range as policymakers continue…

Safest Places to Park Cash in 2026: High-Yield Savings, Treasury Bills, and Money Market Funds
Treasury Securities

Safest Places to Park Cash in 2026: High-Yield Savings, Treasury Bills, and Money Market Funds

Adarsha DhakalMay 25, 2026August 2, 2026

The 4-week Treasury bill yield stood at approximately 3.61% as of May 21, 2026, based…

Caregivers and Social Security Benefits: Eligibility, Changes, and Impact
SSI Disability

Caregivers and Social Security Benefits: Eligibility, Changes, and Impact

Adarsha DhakalMay 25, 2026July 22, 2026

H.R. 8490, the Social Security Caregiver Credit Act of 2026, was introduced in the 119th…

How IRS Individual Master File Controls Refund Timing: Processing Cycles and System Function
IRS Tax Refunds

How IRS Individual Master File Controls Refund Timing: Processing Cycles and System Function

Adarsha DhakalMay 25, 2026August 2, 2026

The IRS is currently processing 2025 tax year returns filed before the April 15, 2026…

How Federal Reserve Balance Sheet Reduction Affects Credit: Quantitative Tightening and Borrowing Costs
Operations

How Federal Reserve Balance Sheet Reduction Affects Credit: Quantitative Tightening and Borrowing Costs

Adarsha DhakalMay 25, 2026August 2, 2026

The Federal Reserve’s balance sheet stood at approximately $6.7 trillion as of the week ending…

Federal Reserve Balance Sheet Explained: Assets, Liabilities, and Monetary Policy Impact
Operations

Federal Reserve Balance Sheet Explained: Assets, Liabilities, and Monetary Policy Impact

Adarsha DhakalMay 23, 2026August 2, 2026

The Federal Reserve balance sheet is the central accounting record of the Fed’s holdings and…

How the Federal Reserve Controls Interest Rates: Tools, Mechanisms, and Policy Framework
Federal Reserve Policy

How the Federal Reserve Controls Interest Rates: Tools, Mechanisms, and Policy Framework

Adarsha DhakalMay 23, 2026July 22, 2026

The Federal Reserve controls interest rates by setting a target range for the federal funds…

What Is the Federal Reserve: Structure and Operations
Federal Reserve Policy

What Is the Federal Reserve: Structure and Operations

Adarsha DhakalMay 23, 2026May 23, 2026

Updated: May 23, 2026 – The Federal Reserve is America’s central bank, created by Congress…

What Is Social Security Retirement Earnings Test?: Rules, Limits, and Benefit Impact
Retirement Benefits

What Is Social Security Retirement Earnings Test?: Rules, Limits, and Benefit Impact

Adarsha DhakalMay 22, 2026July 22, 2026

The Social Security earnings test is an SSA rule that reduces your monthly benefit if…

How SSA Calculates Benefits: Guide to AIME, PIA, and Benefit Formula
SSA Social Security

How SSA Calculates Benefits: Guide to AIME, PIA, and Benefit Formula

Adarsha DhakalMay 22, 2026August 2, 2026

The SSA calculates your Social Security benefit by converting your lifetime wages into a single…

SSDI vs. SSI: Key Differences Explained, Eligibility, and Benefit Rules
SSI Disability

SSDI vs. SSI: Key Differences Explained, Eligibility, and Benefit Rules

Adarsha DhakalMay 22, 2026July 22, 2026

SSDI and SSI are two completely separate federal benefit programs administered by the Social Security…

What Is Social Security Trust Fund?: How It Works, Funding, and Solvency
SSA Social Security

What Is Social Security Trust Fund?: How It Works, Funding, and Solvency

Adarsha DhakalMay 22, 2026August 2, 2026

The Social Security Trust Fund is the federal reserve account where payroll taxes from American…

What Is the Federal Reserve: How It Works and Why It Matters
Federal Reserve Policy

What Is the Federal Reserve: How It Works and Why It Matters

Adarsha DhakalMay 21, 2026May 21, 2026

Updated: May 21, 2026 – The Federal Reserve is the central bank of the United…

FOMC Minutes June 16 2026: Rate Hike Outlook, Policy Signals, and Market Impact
Federal Reserve News

FOMC Minutes June 16 2026: Rate Hike Outlook, Policy Signals, and Market Impact

Adarsha DhakalMay 20, 2026August 2, 2026

The four-dissent committee documented in these minutes votes today. Decision releases 2:00 PM ET. Whether…

FOMC Minutes Release: What to Watch, Policy Signals, and Market Implications
Federal Reserve News

FOMC Minutes Release: What to Watch, Policy Signals, and Market Implications

Adarsha DhakalMay 20, 2026August 2, 2026

The signals mapped in this article now resolve today. The FOMC decision drops at 2:00…

Treasury Yields 2026: Meaning, Rising Rates Impact, and Investor Implications
Treasury Securities

Treasury Yields 2026: Meaning, Rising Rates Impact, and Investor Implications

Adarsha DhakalMay 20, 2026August 2, 2026

The Federal Reserve released the FOMC minutes from the April 28 to 29, 2026 meeting…

Social Security COLA 2027 Formula Explained: How SSA Calculates Your Raise, CPI-W, and Adjustments
Payments COLA

Social Security COLA 2027 Formula Explained: How SSA Calculates Your Raise, CPI-W, and Adjustments

Adarsha DhakalMay 20, 2026July 22, 2026

The 2027 Social Security COLA is projected at 3.9% to 4.2% based on April 2026…

How Federal Reserve Decisions Affect Savings Rates: Timing, Mechanism, and What to Do
Interest Rates

How Federal Reserve Decisions Affect Savings Rates: Timing, Mechanism, and What to Do

Adarsha DhakalMay 20, 2026August 2, 2026

The four-step repricing sequence this article explains activates today at 2:00 PM ET. Check your…

IRS Refund Status Change Explained: What It Means in 2026, Messages, and Next Steps
Refund Status

IRS Refund Status Change Explained: What It Means in 2026, Messages, and Next Steps

Adarsha DhakalMay 19, 2026July 22, 2026

The IRS is currently processing 2025 tax year returns filed in 2026. The average 2026…

How Federal Reserve Rate Decisions Affect Social Security Checks: Mechanism and Impact
SSA Social Security

How Federal Reserve Rate Decisions Affect Social Security Checks: Mechanism and Impact

Adarsha DhakalMay 19, 2026August 2, 2026

The 2027 Social Security COLA is currently projected at 3.9% to 4.2% based on April…

Kevin Warsh as Federal Reserve Chair: What Changes, What Stays Same, and Policy Outlook
Federal Reserve News

Kevin Warsh as Federal Reserve Chair: What Changes, What Stays Same, and Policy Outlook

Adarsha DhakalMay 19, 2026August 2, 2026

Warsh chairs his first full dot plot meeting today. Statement at 2:00 PM ET. Watch…

Daily Treasury Statement Explained: How It Shows When Your Money Moves, Spending, and Balances
Treasury Operations

Daily Treasury Statement Explained: How It Shows When Your Money Moves, Spending, and Balances

Adarsha DhakalMay 18, 2026August 2, 2026

The Daily Treasury Statement for May 18, 2026 is available. The Treasury General Account balance and federal…

Social Security Payment Schedule May 20 2026: Payment Dates and Federal Reserve Meeting Overlap
Payments COLA

Social Security Payment Schedule May 20 2026: Payment Dates and Federal Reserve Meeting Overlap

Adarsha DhakalMay 18, 2026July 22, 2026

Social Security payments for recipients born between the 11th and 20th of any month are…

Kevin Warsh Swearing-In Date Confirmed: What It Means Before June 16 FOMC Meeting
Federal Reserve News

Kevin Warsh Swearing-In Date Confirmed: What It Means Before June 16 FOMC Meeting

Adarsha DhakalMay 18, 2026August 2, 2026

Warsh is now officially sworn in and chairs today’s FOMC meeting. The June 17 decision…

IRS Interest on Late Refunds Explained: 6% Rule, Eligibility, and How to Calculate
IRS Tax Refunds

IRS Interest on Late Refunds Explained: 6% Rule, Eligibility, and How to Calculate

Adarsha DhakalMay 17, 2026August 2, 2026

The IRS overpayment interest rate for Q2 2026 (April 1 through June 30) is 6%…

FOMC Minutes May 20 2026: Expectations, Policy Signals, and Savings Impact
Federal Reserve News

FOMC Minutes May 20 2026: Expectations, Policy Signals, and Savings Impact

Adarsha DhakalMay 17, 2026August 2, 2026

The three signals this article mapped from the May 20 minutes resolve today. Decision at…

Kevin Warsh Faces Federal Reserve Internal Disagreement: Rate Hike Risk and Policy Outlook
Federal Reserve News

Kevin Warsh Faces Federal Reserve Internal Disagreement: Rate Hike Risk and Policy Outlook

Adarsha DhakalMay 17, 2026August 2, 2026

The divided committee documented here votes today at 2:00 PM ET. Whether the hawkish bloc…

Kevin Warsh Not Yet Sworn In: Powell Leads Federal Reserve Today, Transition Timeline
Federal Reserve News

Kevin Warsh Not Yet Sworn In: Powell Leads Federal Reserve Today, Transition Timeline

Adarsha DhakalMay 16, 2026August 2, 2026

Jerome Powell continues as Federal Reserve chair pro tempore as of May 20, 2026, per…

How Federal Reserve Controls Savings and Mortgage Rates: Policy Transmission and Impact
Interest Rates

How Federal Reserve Controls Savings and Mortgage Rates: Policy Transmission and Impact

Adarsha DhakalMay 15, 2026August 2, 2026

The Federal Reserve sets one interest rate, called the federal funds rate. That single rate…

PPI Hits 6% in April 2026: How It Changes Your 2027 Social Security Check and COLA
Payments COLAInflation

PPI Hits 6% in April 2026: How It Changes Your 2027 Social Security Check and COLA

Adarsha DhakalMay 15, 2026August 2, 2026

The Bureau of Labor Statistics confirmed on May 13, 2026 that the Producer Price Index…

Kevin Warsh Runs Federal Reserve Now: June 16 Rate Hike, What It Means for You
Federal Reserve News

Kevin Warsh Runs Federal Reserve Now: June 16 Rate Hike, What It Means for You

Adarsha DhakalMay 15, 2026August 2, 2026

This is the decision day this article was built around. Statement releases at 2:00 PM…

Federal Reserve Meeting June 16 2026: Rate Hike Risk, What to Watch, and Market Impact
Interest Rates

Federal Reserve Meeting June 16 2026: Rate Hike Risk, What to Watch, and Market Impact

Adarsha DhakalMay 14, 2026August 2, 2026

Today is the meeting. Decision at 2:00 PM ET at federalreserve.gov. Warsh’s press conference at…

Federal Reserve Rate Hike June 16: What to Do With Savings Now, Strategies, and Impact
Interest Rates

Federal Reserve Rate Hike June 16: What to Do With Savings Now, Strategies, and Impact

Adarsha DhakalMay 14, 2026August 2, 2026

The 32-day window this article mapped ends today at 2:00 PM ET. After the decision,…

PPI Hits 6%: Why Federal Reserve May Raise Rates Next, Inflation Data, and Policy Outlook
Federal Reserve Policy

PPI Hits 6%: Why Federal Reserve May Raise Rates Next, Inflation Data, and Policy Outlook

Adarsha DhakalMay 14, 2026July 22, 2026

The Bureau of Labor Statistics reported April 2026 Producer Price Index at 6% year-over-year, while…

IRS Late Refund Interest: How Much You Are Owed and How to Calculate
Refund Status

IRS Late Refund Interest: How Much You Are Owed and How to Calculate

Adarsha DhakalMay 13, 2026July 22, 2026

The IRS overpayment interest rate for Q2 2026, covering April 1 through June 30, is…

Federal Gas Tax Cut Proposal: How Much You Save, Impact, and Policy Analysis
Debt Liquidity

Federal Gas Tax Cut Proposal: How Much You Save, Impact, and Policy Analysis

Adarsha DhakalMay 13, 2026August 2, 2026

President Trump announced plans to suspend the federal gas tax for a period of time,…

How Inflation Reduces Social Security Buying Power in 2026: Math, COLA, and Impact
Payments COLA

How Inflation Reduces Social Security Buying Power in 2026: Math, COLA, and Impact

Adarsha DhakalMay 13, 2026July 22, 2026

The April 2026 CPI shows inflation running at 3.8% year-over-year as of May 12, confirmed…

Social Security COLA 2027: Bigger Raise Coming, Inflation Data, and Benefit Impact
Payments COLA

Social Security COLA 2027: Bigger Raise Coming, Inflation Data, and Benefit Impact

Adarsha DhakalMay 13, 2026July 22, 2026

New analyst estimates project the 2027 Social Security COLA at 3.9 to 4.2 percent following…

Federal Reserve Private Notes Drop May 20: How It Could Change Interest Rates and Policy
Federal Reserve News

Federal Reserve Private Notes Drop May 20: How It Could Change Interest Rates and Policy

Adarsha DhakalMay 12, 2026August 2, 2026

The internal debate documented in the April 29 minutes culminated today when Warsh voted for…

Social Security Payments on May 13 2026: Who Gets Paid, Schedule, and Processing
SSA News

Social Security Payments on May 13 2026: Who Gets Paid, Schedule, and Processing

Adarsha DhakalMay 12, 2026July 22, 2026

May 13 is Social Security payment day for Group 1, the cohort of 70 million…

Inflation Data Release: How It Changes Your 2027 Social Security Benefits and COLA
Payments COLA

Inflation Data Release: How It Changes Your 2027 Social Security Benefits and COLA

Adarsha DhakalMay 12, 2026July 22, 2026

The April 2026 CPI released this morning by the Bureau of Labor Statistics is not…

Senate Clears Kevin Warsh to Run Federal Reserve: Confirmation, Vote, and Policy Impact
Federal Reserve News

Senate Clears Kevin Warsh to Run Federal Reserve: Confirmation, Vote, and Policy Impact

Adarsha DhakalMay 12, 2026August 2, 2026

The U.S. Senate voted 49-44 on May 11 to advance Kevin Warsh’s nomination to the…

Federal Reserve Holds Rates at 4.25% to 4.50%: Decision, Policy Statement, and Market Impact
Interest Rates

Federal Reserve Holds Rates at 4.25% to 4.50%: Decision, Policy Statement, and Market Impact

Adarsha DhakalMay 11, 2026August 2, 2026

The Federal Reserve held its benchmark interest rate at 4.25 to 4.50 percent on May…

Social Security COLA 2027 Outlook: New Inflation Data, Projections, and Benefit Impact
Payments COLA

Social Security COLA 2027 Outlook: New Inflation Data, Projections, and Benefit Impact

Adarsha DhakalMay 11, 2026July 22, 2026

April 2026 CPI-W data releases tomorrow, May 12. The Social Security Administration uses Q3 CPI-W…

Why IRS Refunds Are Seized After Approval: Treasury Offset Program, Reasons, and What to Do
Refund Status

Why IRS Refunds Are Seized After Approval: Treasury Offset Program, Reasons, and What to Do

Adarsha DhakalMay 10, 2026July 22, 2026

An IRS tax refund offset happens when the government approves your refund and then intercepts…

What Happens When a Bank Fails: FDIC Resolution, Claims Process, and Depositor Protection
Federal Payments

What Happens When a Bank Fails: FDIC Resolution, Claims Process, and Depositor Protection

Adarsha DhakalMay 10, 2026September 9, 2026

Community Bank and Trust of West Georgia failed on May 1, 2026, the second FDIC-insured…

Senate Votes on Federal Reserve Interest Rates This Week: Warsh Confirmation and Policy Impact
Federal Reserve News

Senate Votes on Federal Reserve Interest Rates This Week: Warsh Confirmation and Policy Impact

Adarsha DhakalMay 10, 2026August 2, 2026

The Senate is expected to hold a confirmation vote on Kevin Warsh as Federal Reserve…

DOJ Drops Powell Probe: Federal Reserve Independence, Legal Impact, and What It Means
Federal Reserve News

DOJ Drops Powell Probe: Federal Reserve Independence, Legal Impact, and What It Means

Adarsha DhakalMay 9, 2026August 2, 2026

The Department of Justice has dropped its investigation into Federal Reserve Chair Jerome Powell. Powell…

IRS Saver’s Match $1,000 Retirement Deposit: Who Qualifies, Rules, and SECURE 2.0 Impact
IRS News

IRS Saver’s Match $1,000 Retirement Deposit: Who Qualifies, Rules, and SECURE 2.0 Impact

Adarsha DhakalMay 9, 2026July 22, 2026

The federal government is about to deposit money directly into the retirement accounts of millions…

IRS Paper Check Phase-Out: What to Do, Alternative Payments, and Impact
IRS News

IRS Paper Check Phase-Out: What to Do, Alternative Payments, and Impact

Adarsha DhakalMay 9, 2026September 9, 2026

Executive Order 14247, signed in 2025, directs the Treasury Department to eliminate paper check disbursements…

Social Security COLA 2027: How Iran Conflict and Jobs Data Changed Projections
Payments COLA

Social Security COLA 2027: How Iran Conflict and Jobs Data Changed Projections

Adarsha DhakalMay 9, 2026July 22, 2026

The number that will determine whether your Social Security check covers your grocery bill in…

How Kevin Warsh as Federal Reserve Chair Changes Savings Account Rates
Interest Rates

How Kevin Warsh as Federal Reserve Chair Changes Savings Account Rates

Adarsha DhakalMay 9, 2026August 2, 2026

Every American with money in a savings account, a CD, or a money market fund…

Federal Reserve Holds Rates: What Kevin Warsh Changes Next, Policy Outlook, and Impact
Interest Rates

Federal Reserve Holds Rates: What Kevin Warsh Changes Next, Policy Outlook, and Impact

Adarsha DhakalMay 8, 2026August 2, 2026

Jerome Powell just held interest rates unchanged for what is almost certainly his final time…

April Jobs Report 2026: What It Tells Federal Reserve About Rate Cuts and Policy
Debt Liquidity

April Jobs Report 2026: What It Tells Federal Reserve About Rate Cuts and Policy

Adarsha DhakalMay 8, 2026August 2, 2026

The Bureau of Labor Statistics released the April 2026 Employment Situation report at 8:30 AM…

Why IRS Hasn’t Sent Your Refund: Real Reasons, Delays, and What to Do
IRS Tax Refunds

Why IRS Hasn’t Sent Your Refund: Real Reasons, Delays, and What to Do

Adarsha DhakalMay 7, 2026August 2, 2026

The IRS refund delay affecting millions of taxpayers in May 2026 is not random and…

Federal Reserve Rate Decision: What It Means for Your Money, Savings, and Borrowing
Interest Rates

Federal Reserve Rate Decision: What It Means for Your Money, Savings, and Borrowing

Adarsha DhakalMay 7, 2026August 2, 2026

The May 7 hold set the floor Warsh walks into today. The dot plot release…

How Caregiving Affects Social Security Benefits: Credits, Gaps, and Financial Impact
SSI Disability

How Caregiving Affects Social Security Benefits: Credits, Gaps, and Financial Impact

Adarsha DhakalMay 5, 2026July 22, 2026

The Social Security Caregiver Credit Act (H.R. 8490) was introduced in the House of Representatives…

How Strait of Hormuz Conflict Adds $1.40 to Gas Prices: Inflation and Bill Impact
Debt LiquidityInflation

How Strait of Hormuz Conflict Adds $1.40 to Gas Prices: Inflation and Bill Impact

Adarsha DhakalMay 5, 2026August 2, 2026

A war in a narrow shipping corridor is now reshaping the cost of daily life…

Federal Reserve Governor Voting After Job Loss: Policy Impact and Independence
Federal Reserve News

Federal Reserve Governor Voting After Job Loss: Policy Impact and Independence

Adarsha DhakalMay 3, 2026August 2, 2026

Jerome Powell is no longer the chair of the Federal Reserve after May 15. But…

IRS Refund Sent to Wrong Bank Account: What Happens, Recovery Time, and Next Steps
Refund Status

IRS Refund Sent to Wrong Bank Account: What Happens, Recovery Time, and Next Steps

Adarsha DhakalMay 3, 2026July 22, 2026

When the IRS sends your refund to the wrong bank account, most people assume it…

The Treasury General Account: How the U.S. Government Pays Every Bill
Treasury Liquidity

The Treasury General Account: How the U.S. Government Pays Every Bill

Adarsha DhakalMay 2, 2026May 2, 2026

The Treasury General Account is the single bank account the U.S. government uses to pay…

Social Security COLA 2027 May Be 2.8% to 3.2%: Medicare Impact and Net Benefit
Payments COLA

Social Security COLA 2027 May Be 2.8% to 3.2%: Medicare Impact and Net Benefit

Adarsha DhakalMay 2, 2026July 22, 2026

The 2027 Social Security COLA is tracking between 2.8% and 3.2%, based on the most…

New Law Changes When Money Shows Up in Bank: Payment Timing, Rules, and Impact
Federal Payments

New Law Changes When Money Shows Up in Bank: Payment Timing, Rules, and Impact

Adarsha DhakalMay 2, 2026September 9, 2026

Right now, your bank is legally allowed to receive your paycheck overnight and hold it…

Social Security Payment Schedule May 2026: Exact Dates for 70 Million Recipients
Payments COLA

Social Security Payment Schedule May 2026: Exact Dates for 70 Million Recipients

Adarsha DhakalApril 30, 2026July 22, 2026

The Social Security Administration has officially confirmed the full May 2026 payment schedule. Payments are…

IRS Refund Timeline: How Long It Takes in 2026
IRS Tax Refunds

IRS Refund Timeline: How Long It Takes in 2026

Adarsha DhakalApril 30, 2026August 2, 2026

The IRS refund timeline is the most searched personal finance question during tax season and…

Powell’s Last Federal Reserve Meeting Divides Committee: Dissent, Policy Outlook, and Impact
Federal Reserve News

Powell’s Last Federal Reserve Meeting Divides Committee: Dissent, Policy Outlook, and Impact

Adarsha DhakalApril 30, 2026August 2, 2026

The fed rate hold itself was expected. What happened around it was not. On April…

Jerome Powell Stays as Federal Reserve Governor: Cautious Easing Bias and Inflation Outlook
Federal Reserve News

Jerome Powell Stays as Federal Reserve Governor: Cautious Easing Bias and Inflation Outlook

Adarsha DhakalApril 29, 2026August 2, 2026

Federal Reserve Chair Jerome Powell held interest rates steady April 29 and defended the committee’s…

Federal Reserve Holds Rates in Powell’s Final Meeting: 3 Signals, Policy, and Market Impact
Federal Reserve News

Federal Reserve Holds Rates in Powell’s Final Meeting: 3 Signals, Policy, and Market Impact

Adarsha DhakalApril 29, 2026August 2, 2026

Jerome Powell chairs his final Federal Open Market Committee meeting on April 29, 2026, before…

Federal Reserve April 29 Decision: What It Means for Your Money, Rates, and Economy
Interest Rates

Federal Reserve April 29 Decision: What It Means for Your Money, Rates, and Economy

Adarsha DhakalApril 29, 2026August 2, 2026

The Federal Reserve announces its rate decision at 2:00 PM ET on April 29, 2026,…

How Federal Reserve April 29 Decision Changes Savings Rates: Impact and What to Do
Interest Rates

How Federal Reserve April 29 Decision Changes Savings Rates: Impact and What to Do

Adarsha DhakalApril 28, 2026August 2, 2026

The Federal Reserve concludes its April 28-29 meeting on April 29. At 2:00 PM ET,…

Social Security Benefit Cuts 2032: $2,079 Benefits Dropping 28%, Projections, and What to Know
SSA News

Social Security Benefit Cuts 2032: $2,079 Benefits Dropping 28%, Projections, and What to Know

Adarsha DhakalApril 27, 2026July 22, 2026

Multiple congressional reports and financial news outlets confirmed this week that the Social Security OASI…

How the Daily Treasury Statement Tracks Every Dollar the Government Spends
Treasury Operations

How the Daily Treasury Statement Tracks Every Dollar the Government Spends

Adarsha DhakalApril 27, 2026August 2, 2026

Every business day, the U.S. government publishes an exact accounting of every dollar it collected…

Social Security Changes 2026 Retirees Must Know: 5 Hidden Updates, Rules, and Impact
SSA Social Security

Social Security Changes 2026 Retirees Must Know: 5 Hidden Updates, Rules, and Impact

Adarsha DhakalApril 27, 2026August 2, 2026

Five significant changes to Social Security benefits, access, and tax treatment took effect in 2026.…

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Financial News & Economic Research

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