Carry Learning Center

Capital One’s High Yield Savings account currently offers a 3.50 percent APY, making it one of the more competitive high-yield savings options available today. There are no monthly fees and no minimum balance requirements, which can make it appealing if you’re looking for a simple way to grow your savings. It’s especially useful for those building [...]

Your medical breakthroughs shouldn’t stop at the border. If you’re a physician making significant contributions to your field, the O-1A visa could be a viable path to continue your work in the United States. This employment-based visa is designed for individuals with extraordinary ability in science, education, business, or athletics—and it’s especially relevant to doctors [...]

If you’re looking for a better place to grow your savings, the American Express High Yield Savings Account is one option to consider. It offers a competitive APY, daily compounding interest, and no monthly fees. Unlike many traditional savings accounts, it gives your money more room to grow while keeping it easily accessible. You might be [...]

OVERVIEW: Top 5 states for self-employment in 2025: California, Texas, Florida, New York, Washington Solo sector size: $1.5 trillion, approximately 6 percent of U.S. GDP Incorporated self‐employment 7 percent above 2019, ≈400,000 more owner-operators Business-formation filings up 37 percent from Q4 2019 to Q4 2023 62 percent of solo workers report being “very satisfied” with their work setup Women run 42.7 [...]

Many people leave their cash in checking accounts without a second thought. Yet, with inflation near 3 percent, that money may lose purchasing power.  Today’s high-yield savings accounts offer annual percentage yields (APYs) close to 5 percent. This could potentially earn hundreds more each year compared to a typical checking account. Treasury bills (T-bills) may deliver [...]

If you have extra cash sitting in a savings account, municipal bonds could be a better option. These bonds are issued by state and local governments. In many cases, the interest they pay is exempt from federal taxes. Some may also be free from state or local taxes, depending on where you live. That means you [...]

Inflation may not be making headlines like it did in 2022 when it peaked at 9.1 percent, but it hasn’t disappeared and it’s still eroding purchasing power quietly.  As of April 2025, inflation is hovering around 2.3 percent—a level that can still eat into your savings if your money is sitting in low-yield accounts. Every dollar [...]

Today, every percentage point counts when choosing a yield strategy.  If you’re chasing income, tax treatment could significantly reduce your returns before you see a dime. Your location plays a big role too. Whether you live in a high-tax state like California or a no-income-tax state like Florida, your combined federal and state rates directly affect [...]

Holding extra cash might seem like a smart way to stay prepared, but over time, it can quietly chip away at your financial progress. As inflation rises and savings rates shift, large cash balances may lose value faster than you realize. In most cases, the comfort of holding too much cash comes at a cost [...]