Announcement
James T. Joins Mavengity as a Medical Writer
With James now writing full time for our Healthcare & Medical desk, Mavengity has formally expanded into dedicated medical authorship.
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Posted in the last 24 hours
Fresh from the desks
Tax Policy
The IRS's Expanding Online Accounts Are Genuinely Useful. The Question Is Whether They Add to Human Service or Replace It
The IRS keeps expanding its Business Tax Account, letting more organizations handle notices and payments online. The feature itself is a real improvement, but whether it helps or harms depends entirely on whether human service channels survive alongside it.
Retirement
A Dividend Feels Like Free Income. It Isn't, and the Market Surge Is Forcing Retirees to Reckon With the Difference
A growth-led market surge has left dividend-focused retirees trailing the broad market, prompting many to reconsider. The rethink is worth having, but a dividend is closer to an automatic sale than free income, and either way is not a reason to chase last quarter's winner.
Retirement
Selling Stocks for Bonds in Retirement Doesn't Lower Your Risk. It Swaps One Risk for Its Opposite
The standard advice to glide from stocks into bonds at retirement treats risk as one dial to turn down. It isn't. Bonds dampen the danger of an early crash while worsening the danger of outliving your money, and every allocation trades one for the other.
Investing
Lime Went Public to Survive, Not to Celebrate. The Gap Between Its Adjusted Profit and Its Debt Wall Is the Story
Lime's IPO filing disclosed positive adjusted EBITDA alongside a "substantial doubt" going-concern warning. The gap between those two facts, not the listing itself, is what determines whether shared micromobility's leader has actually solved the sector's unit economics.
Medical News
Tau May Harm Neurons by Running Their Mitochondria in Reverse. That's a Genuine New Lead, and a Familiar Long Shot
A Stanford-led study found that tau can drive electrons backward through neurons' mitochondria, generating the oxidative stress that damages them. The mechanism is specific and genuinely new, but it still faces the same distance from animal models to human treatment that has humbled nearly every Alzheimer's lead before it.
Fintech
Who Loses When Upstart Becomes Its Own Bank: The Partners Who Were Only Renting It a Charter
Upstart won conditional approval to open its own national bank, displacing the partner banks that originated its loans while keeping the investors that buy them. The split maps exactly onto which partners rented a charter and which provided real capital.
Compliance
The Open-Banking Fight Isn't Really About Who Owns Your Data. It's About Who Bears the Cost of Moving It
The CFPB's forthcoming open-banking rule is expected to let banks charge fintechs for data access, reversing the 2024 fee ban. Both sides invoke data ownership, but the real dispute, and the one that keeps landing in court, is about who pays to move it.
Fintech
A Bank's Real Product Isn't Yield. It's Recourse. That's Why Crypto Can't Win Depositors With a Higher Rate
A bitcoin wallet-maker breach drained over $100 million with no insurer and no reversal possible. It illustrates why crypto's bid to compete with banks for deposits is fought over yield but actually lost, or won, on safety.
Retirement
The 401(k) Rewards Exactly What Low-Income Workers Lack. Its Creator Now Proposes a Way Around That
Ted Benna, credited as the father of the 401(k), regrets that it works far better for high earners than for lower-paid workers. His new employer-funded plan, Radish, targets that gap directly, but stays inside the voluntary paradigm that created it.
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