Carry Learning Center

If your high-yield savings account (HYSA) APY hasn’t changed much after a recent Fed rate hike, you’re not alone. Many savers expect a quick boost, but bank rate adjustments often move more slowly. The Federal Reserve sets the federal funds rate, a key benchmark that influences interest rates across the economy, including what banks pay on [...]

Building a business in the U.S. as a foreign founder? If you’ve made a meaningful impact in your industry, the O-1 visa might be worth exploring. Unlike the H-1B, this visa doesn’t rely on a lottery. It’s designed for individuals who can demonstrate exceptional ability through real accomplishments — something many entrepreneurs show through innovation, funding [...]

Freelancing and self-employment continue to grow across the U.S. labor market. In 2025, more than 70 million Americans are estimated to be part of the gig economy, representing approximately 36 percent of the total workforce. What was once considered a side hustle is now a long-term career path for workers across a range of industries. Whether [...]

Dreaming of designing buildings that shape U.S. skylines? If you’ve made notable contributions to the field of architecture, the O-1 visa could be worth considering. Unlike the H-1B, this visa doesn’t involve a lottery. It’s intended for professionals with a record of outstanding achievement—something that may apply to architects with published projects, industry awards, or leadership [...]

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 [...]