https://www.sonicwallet.com/learn Guides to US Treasuries, safe investments, sending money abroad, crypto and stocks, with sources and live data. en-us Mon, 02 Nov 2026 08:48:11 GMT https://www.sonicwallet.com/learn/blog/bitcoin-in-2026-so-far https://www.sonicwallet.com/learn/blog/bitcoin-in-2026-so-far Bitcoin was down 10.6% for 2026 on November 1 as the S&P 500 rose. See its 53.1% drawdown, volatility against stocks, ETF flows and the policy news behind it. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/dollar-in-2026-so-far https://www.sonicwallet.com/learn/blog/dollar-in-2026-so-far The dollar rose against 20 of 29 currencies in 2026 to October 30, but only 1.3% on the Fed's broad index. What moved it, and what it means for senders. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/fed-decision-october-2026-savings-and-t-bill-rates https://www.sonicwallet.com/learn/blog/fed-decision-october-2026-savings-and-t-bill-rates The Fed held rates at 3.75% to 4.00% on October 28, 2026 by a 10 to 2 vote. How T-bill yields moved around the decision and what it means for savings and CDs. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/holiday-remittances-2026-when-to-send https://www.sonicwallet.com/learn/blog/holiday-remittances-2026-when-to-send December 2026 holiday transfer cut-offs: Fed closures, bank holidays in Mexico, India, the Philippines, Guatemala and Nigeria, and ways to avoid delays. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/i-bond-rate-november-2026 https://www.sonicwallet.com/learn/blog/i-bond-rate-november-2026 I bonds issued from November 2026 to April 2027 earn 5.51%: a 1.40% fixed rate plus 2.04% six-month inflation. See the math and what older bonds earn next. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/mexico-remittances-2026-after-the-remittance-tax https://www.sonicwallet.com/learn/blog/mexico-remittances-2026-after-the-remittance-tax Banxico data show remittances to Mexico up 2.2% through August 2026 despite the 1% US tax on cash transfers. What changed, what it costs and how to avoid it. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/moving-abroad-money-checklist https://www.sonicwallet.com/learn/blog/moving-abroad-money-checklist A dated moving abroad money checklist for US citizens: US accounts, FBAR and Form 8938, state residency, the 2026 FEIE, FX costs, Social Security and Medicare. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/paying-international-tuition-from-the-us https://www.sonicwallet.com/learn/blog/paying-international-tuition-from-the-us How to pay a university abroad from the US: portals, wires, transfer services and cards, the exchange cost on $20,000, documents, deadlines and 529 rules. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/stablecoin-market-update-november-2026 https://www.sonicwallet.com/learn/blog/stablecoin-market-update-november-2026 Dollar stablecoin supply fell 2.4% in October 2026 to $299.3 billion. See USDT and USDC market share, October peg ranges and GENIUS Act rule status. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/t-bill-yields-in-2026-so-far https://www.sonicwallet.com/learn/blog/t-bill-yields-in-2026-so-far T-bill yields rose 0.33 to 0.88 point from December 31 to October 30, 2026. Month-end rates by term, notable auctions, the Fed meetings behind them and supply. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/tax-season-2027-checklist-for-investors https://www.sonicwallet.com/learn/blog/tax-season-2027-checklist-for-investors The 1099s investors get for tax year 2026 and when they are due in 2027, the first Form 1099-DA with crypto basis, corrected forms and mistakes to avoid. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/trump-accounts-for-children-explained https://www.sonicwallet.com/learn/blog/trump-accounts-for-children-explained How Trump accounts for children work as of November 2026: who gets the $1,000 seed, the $5,000 yearly cap, employer money, fund rules and access at 18. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/what-the-2025-tax-law-changed-for-investors https://www.sonicwallet.com/learn/blog/what-the-2025-tax-law-changed-for-investors Each 2025 tax law change for investors as of November 2026, with its section and start date: brackets, estate exemption, charity, SALT, HSAs and remittances. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/blog/year-end-tax-moves-for-investors-2026 https://www.sonicwallet.com/learn/blog/year-end-tax-moves-for-investors-2026 Deadlines for 2026 year-end tax moves: loss harvesting and the wash-sale window, RMDs and QCDs, new charity rules, gifts, Roth conversions and 401(k)s. Blog Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/bitcoin-etfs-vs-owning-bitcoin https://www.sonicwallet.com/learn/crypto/bitcoin-etfs-vs-owning-bitcoin Spot bitcoin ETFs vs owning coins: sponsor fees, custody, trading hours, in-kind creations, taxes, IRAs and options, with a one-year cost example on $10,000. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/bitcoin-halving-explained https://www.sonicwallet.com/learn/crypto/bitcoin-halving-explained The bitcoin halving cuts new supply every 210,000 blocks. See past dates and block heights, the April 2024 cut, the next halving and what miners and prices did. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/bitcoin-vs-ethereum https://www.sonicwallet.com/learn/crypto/bitcoin-vs-ethereum Bitcoin vs Ethereum compared: purpose, supply policy, proof of work vs stake, fees, speed, smart contracts, ETF access and volatility, with live prices. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/bitcoin-vs-gold https://www.sonicwallet.com/learn/crypto/bitcoin-vs-gold Bitcoin and gold compared on supply, volatility, drawdowns, stock correlation, custody, liquidity, regulation and tax, with returns to October 2026. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/cex-vs-dex https://www.sonicwallet.com/learn/crypto/cex-vs-dex CEX vs DEX compared: who holds your coins, trading fees and gas, slippage and price impact, KYC, listings and how each one fails, with a $2,000 swap priced. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-bridges-explained https://www.sonicwallet.com/learn/crypto/crypto-bridges-explained How a crypto bridge moves tokens between chains: lock-and-mint, burn-and-release and liquidity designs, canonical vs third-party bridges, costs and big hacks. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-cost-basis-methods https://www.sonicwallet.com/learn/crypto/crypto-cost-basis-methods How crypto cost basis works since 2025: FIFO by default, specific identification and HIFO, wallet-by-wallet tracking and one set of lots taxed three ways. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-exchange-fees-explained https://www.sonicwallet.com/learn/crypto/crypto-exchange-fees-explained Crypto exchange fees explained: maker and taker rates, spreads, one-tap premiums, and deposit, withdrawal and network fees, with $1,000 priced three ways. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-gifts-and-donations-tax https://www.sonicwallet.com/learn/crypto/crypto-gifts-and-donations-tax How gifting crypto is taxed: the annual exclusion, Form 709, carryover and dual basis, charity deductions, qualified appraisals and the new 0.5% floor. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-in-retirement-accounts https://www.sonicwallet.com/learn/crypto/crypto-in-retirement-accounts Crypto in an IRA or 401(k): spot ETFs vs self-directed crypto IRAs, fees, custody, prohibited transactions, Labor Department policy and Roth choices. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-inheritance-planning https://www.sonicwallet.com/learn/crypto/crypto-inheritance-planning How heirs claim crypto from exchanges and self-custody wallets, how to leave instructions without exposing keys, and how estate tax and step-up basis apply. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-lending-risks https://www.sonicwallet.com/learn/crypto/crypto-lending-risks Crypto lending risks: how lenders earn yield, why Celsius, Voyager, BlockFi and Genesis failed, what customers got back and how bank interest differs. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-market-cycles https://www.sonicwallet.com/learn/crypto/crypto-market-cycles Crypto market cycles measured: bitcoin's five big peaks since 2011, how far each fell, how long recovery took and why cycles are not a timing tool. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-regulation-us https://www.sonicwallet.com/learn/crypto/crypto-regulation-us Who regulates crypto in the US, from the SEC and CFTC to FinCEN, bank regulators, the IRS and the states, what changed since 2025 and where CLARITY stands. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-scams https://www.sonicwallet.com/learn/crypto/crypto-scams How pig butchering, address poisoning, fake support, wallet drainers and bitcoin ATM scams work, with FBI and FTC loss data, red flags and first steps. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/crypto-tax-loss-harvesting https://www.sonicwallet.com/learn/crypto/crypto-tax-loss-harvesting How crypto tax-loss harvesting works: the Schedule D netting order, the $3,000 limit, the pending wash-sale bill for coins and a worked 2026 tax example. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/custodial-vs-non-custodial-wallets https://www.sonicwallet.com/learn/crypto/custodial-vs-non-custodial-wallets Custodial vs non-custodial crypto wallets compared on control, recovery, hack risk and bankruptcy, with what Mt. Gox, FTX and Celsius customers got back. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/dollar-cost-averaging-crypto https://www.sonicwallet.com/learn/crypto/dollar-cost-averaging-crypto How dollar cost averaging bitcoin works: setting up recurring buys, what fees take from $25, $100 and $500 purchases, the tax lots it creates and its limits. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/ethereum-etfs-explained https://www.sonicwallet.com/learn/crypto/ethereum-etfs-explained How spot Ethereum ETFs work, what ETHA, FETH, ETHE and other funds charge, which now stake their ether, how closely they track it, plus a cost example. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/form-1099-da-explained https://www.sonicwallet.com/learn/crypto/form-1099-da-explained Form 1099-DA shows crypto sale proceeds from 2025 and cost basis for coins bought from 2026. Learn each box, what is left off and how to fix a wrong form. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/gas-fees-explained https://www.sonicwallet.com/learn/crypto/gas-fees-explained How Ethereum gas fees work after EIP-1559: gas units, base fees, tips and the burn, with worked costs for a transfer and a swap, and ways to pay less. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/hot-vs-cold-wallets https://www.sonicwallet.com/learn/crypto/hot-vs-cold-wallets Hot vs cold crypto wallets compared: software, hardware, paper and multisig storage on attack surface, cost and convenience, plus offline signing and setup. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-blockchain-works https://www.sonicwallet.com/learn/crypto/how-blockchain-works How does blockchain work? Blocks, hashes, Merkle trees, signatures, mempools, proof of work vs stake and finality, with one payment traced step by step. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-much-crypto-in-portfolio https://www.sonicwallet.com/learn/crypto/how-much-crypto-in-portfolio How much crypto should you own? Size it by drawdown and volatility, see what a 75% crash does at 1% to 20% allocations, and set rebalancing bands. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-stablecoins-work https://www.sonicwallet.com/learn/crypto/how-stablecoins-work How stablecoins hold $1: fiat-backed, crypto-backed and algorithmic designs, minting and redemption arbitrage, reserve reports, and what broke UST and USDC. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-to-buy-bitcoin https://www.sonicwallet.com/learn/crypto/how-to-buy-bitcoin How to buy bitcoin by exchange, broker, spot ETF, bitcoin ATM or peer to peer, with fees, custody and safety compared and the fee math on a $500 purchase. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-to-buy-ethereum https://www.sonicwallet.com/learn/crypto/how-to-buy-ethereum How to buy ethereum, choose between Ethereum mainnet and layer 2 networks when you withdraw, compare the fees and weigh the staking options. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-to-read-crypto-charts https://www.sonicwallet.com/learn/crypto/how-to-read-crypto-charts Read candlesticks, timeframes, volume, log vs linear scale and moving averages with real bitcoin data, and spot misreadings that make charts look predictive. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-to-research-a-cryptocurrency https://www.sonicwallet.com/learn/crypto/how-to-research-a-cryptocurrency Check a token's supply, vesting, insiders, audits, liquidity, on-chain use and legal status, with a red-flag table and a worked market cap vs FDV example. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-to-sell-crypto-and-withdraw https://www.sonicwallet.com/learn/crypto/how-to-sell-crypto-and-withdraw How to cash out crypto: sell on an exchange, withdraw to your bank by ACH or wire, plan for holds and limits, and keep the cost-basis records you need. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/how-to-store-crypto-safely https://www.sonicwallet.com/learn/crypto/how-to-store-crypto-safely Store crypto safely with spending, savings and long-term layers, metal seed backups, passphrases, address checks, device hygiene, multisig and a yearly test. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/is-my-crypto-safe-on-an-exchange https://www.sonicwallet.com/learn/crypto/is-my-crypto-safe-on-an-exchange Is crypto safe on an exchange? How exchanges hold coins, what proof of reserves misses, what Celsius, FTX and Voyager customers recovered, and red flags. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/is-staking-income-taxable https://www.sonicwallet.com/learn/crypto/is-staking-income-taxable Staking rewards are taxed as income once you can sell or move them, and again on any gain when sold. See the rules, the open questions and a worked example. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/layer-2-networks-explained https://www.sonicwallet.com/learn/crypto/layer-2-networks-explained How layer 2 blockchain networks work: optimistic vs zero-knowledge rollups, blobs, L2BEAT stages, withdrawal delays, fees vs Ethereum mainnet and the risks. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/sent-crypto-to-wrong-network https://www.sonicwallet.com/learn/crypto/sent-crypto-to-wrong-network Sent crypto to the wrong network? What can be recovered in each case, from EVM chains and exchange deposits to missing memos, plus a pre-send checklist. Crypto Mon, 02 Nov 2026 12:00:00 GMT https://www.sonicwallet.com/learn/crypto/stablecoin-regulation-genius-act https://www.sonicwallet.com/learn/crypto/stablecoin-regulation-genius-act What the GENIUS Act requires of stablecoin issuers, from the statute: licensing, reserves, monthly reports, redemption, the interest ban and holder priority. Crypto Mon, 02 Nov 2026 12:00:00 GMT