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Austin Smith

Reporter · US

Indexed articles, last 90 days
42
Latest publication
Oct 1, 2026
Outlet visibility, for 247wallst.com
Top 50K sites
Earliest in this view
Jul 23, 2026

Latest articles

  1. Article · Oct 1, 2026 · Austin Smith

    Living Paycheck to Paycheck? You Still Need a High-Yield Savings Account - AOL (opens the original)

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    Only 46% of Americans had three months of expenses saved in 2024, down from 53% in 2021, with low earners hitting just 22%. Keeping savings at a separate bank creates a natural 1-2 day transfer delay that stops impulse spending before it happens. Avoiding one high-interest credit card charge beats years of interest earned on a small savings balance. At the national average savings rate, $40,000 earns about $150 a year. In one of today’s top-rated high-yield accounts, the same balance earns $1,20

  2. Article · Sep 30, 2026 · Austin Smith

    Vanguard Total International Stock Index Fund Admiral Shares (VTIAX): What Investors Should Know - AOL (opens the original)

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    VTIAX and VXUS own thousands of non-US stocks across developed and emerging markets, up 24% over the past year at just 0.05% annually. VFWAX mirrors VTIAX but excludes small caps, while VEMAX concentrates solely on emerging markets for investors willing to accept higher volatility. VTIAX carries no currency hedge, so dollar weakness boosts returns while a strengthening dollar can drag performance for years even as foreign earnings grow. Building a portfolio and living off one are two completely

  3. Article · Sep 30, 2026 · Austin Smith

    Vanguard Total International Stock Index Fund Admiral Shares (VTIAX): What Investors Should Know (opens the original)

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    International stocks spent a decade getting overshadowed by the S&P 500, but 2026 changed the math fast. Before you assume VTIAX belongs in your portfolio, there are currency traps, share class quirks, and dividend surprises worth understanding first. This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them. International stocks are finally having their moment in 2026, and the Vanguard Total International Stock

  4. Article · Sep 30, 2026 · Austin Smith

    The Fed Raised Rates Again. Here’s What That Actually Means for Your Savings Account - AOL (opens the original)

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    The Fed's first rate hike in three years pushed the benchmark to 4%, but your bank's deposit beta controls whether savers see any of it. Top online banks often pay 3 to 5 times the 1.73% national average CD rate, so checking your APY and switching can mean real money each year. With credit card APRs at a record 20.94% versus 4.54% Treasury yields, paying down card debt delivers a guaranteed return no savings account can match. At the national average savings rate, $40,000 earns about $150 a year

  5. Article · Sep 30, 2026 · Austin Smith

    The Fed Raised Rates Again. Here's What That Actually Means for Your Savings Account (opens the original)

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    The Fed just handed savers a win, but most bank accounts will never see a dollar of it. Here is who actually captures a rate hike and who quietly funds everyone else's gain. This post may contain links from our sponsors and affiliates, and Flywheel Publishing may receive compensation for actions taken through them. In September, the Fed raised its benchmark rate by a quarter point, lifting the upper bound of the federal funds target range to 4.00% from 3.75%. That was still the level as of Septe

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