2027 Tax Brackets and Standard Deduction: IRS's Official Figures
The IRS's official 2027 tax brackets and standard deduction from Rev. Proc. 2026-35, released Nov. 5, 2026, with 2026 comparisons and 2027 HSA limits.
Guides
Explainers that stay useful: how markets and filings work, what common terms mean, and how to compare the options available to English-speaking readers.
2027 Social Security COLA: 3.6% Raise and What Else Changes
SSA set the 2027 COLA at 3.6% for about 76 million people. Key 2027 figures vs 2026, the CPI-W math, first payment dates and the SSI rates.
Share Buybacks Explained: Authorization vs Actual Repurchases
A buyback authorization is permission, not purchases. How to read the 10-Q repurchase table, what Rule 10b-18 and the 1% excise tax do, with a real example.
GAAP vs Non-GAAP: Why Companies Report Two Profits
What adjusted, core and non-GAAP earnings mean, the SEC rules behind them, and how to read a reconciliation, using PepsiCo's and Micron's earnings releases.
How Fed Rate Decisions Work: FOMC, Statement and Dot Plot
A plain-English guide to Fed rate decisions: who votes on the FOMC, the eight-meeting calendar, how to read the statement, the dot plot and the minutes.
What Is a 13F Filing? What It Shows and What It Can't Tell You
A plain-English guide to Form 13F: who files it, the 45-day deadline, what is reported, and five blind spots, with real filings from Berkshire and Point72.
Earnings Season Explained: 8-K, 10-Q, Guidance and Non-GAAP
How US earnings reports work: the Item 2.02 8-K, the 40- and 45-day 10-Q deadlines, how guidance is given, and how GAAP and adjusted EPS are reconciled.
What Is a Form 4? How to Read Insider Buys, Sells and 10b5-1 Plans
A plain-English guide to SEC Form 4: who files it, the two-business-day deadline, transaction codes, the 10b5-1 checkbox, and real filings from Uber and Nvidia.
How to Read a Form 8-K: Items, Exhibits and Real Examples
A plain-English guide to SEC Form 8-K: the four-business-day rule, what the main item numbers mean, filed vs furnished, and how to read one on EDGAR.
What Is HBM? High-Bandwidth Memory and Why AI Chips Use It
HBM explained from primary specs: how stacked DRAM works, JEDEC figures through HBM4, HBM vs DDR5 and GDDR7, AI chip memory sizes, and who makes it.