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Author: Andre Sousa

I’m Andre Sousa, a Chicago native with a degree in economics from the University of Illinois Chicago and a longtime interest in housing. I’m particularly interested in those subjects that seem straightforward until you look a little closer and realize there is a much longer story underneath. That is what I write about at FinanceDesk.org. I like figuring out how we ended up with the housing systems we have today, then explaining them without making the reader feel like they have accidentally opened an economics textbook.
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Old Savings Bonds Can Stop Earning Interest Without Ever Being Cashed In
Money

Old Savings Bonds Can Stop Earning Interest Without Ever Being Cashed In

by Andre SousaOctober 14, 2026October 20, 2026

Old savings bonds can look like the sort of investment that only becomes more valuable with time. Maybe it was a birthday gift from a grandparent, or something a parent bought decades ago and tucked…

Your Credit Card Issuer Can Devalue Points You’ve Already Earned
Money

Your Credit Card Issuer Can Devalue Points You’ve Already Earned

by Andre SousaOctober 13, 2026October 20, 2026

A $400 flight costs 40,000 points. At that price, each point buys one cent of travel. Months later, that same $400 seat costs 50,000 points. Your account still shows exactly as many points as before,…

Subsidized Housing Is Not Always What People Think It Is
Housing

Subsidized Housing Is Not Always What People Think It Is

by Andre SousaOctober 7, 2026October 7, 2026

I grew up hearing terms like public housing and Section 8 without ever really wondering how different those programs actually were. Subsidized housing sounded like one category, almost as if every program worked through the…

6 Things Billionaires Refuse to Spend Money On
Money

6 Things Billionaires Refuse to Spend Money On

by Andre SousaOctober 5, 2026September 29, 2026

Bill Gates can afford almost any watch ever made, yet he has long been associated with inexpensive Casio models. A billionaire wearing a watch that costs less than many people's monthly phone bills makes an…

How the Great Depression Gave Us the 30-Year Mortgage
Housing

How the Great Depression Gave Us the 30-Year Mortgage

by Andre SousaOctober 2, 2026October 20, 2026

Few financial products feel as ordinary in American life as a 30-year fixed-rate mortgage. Someone buys a house, borrows the money, and agrees to make payments for three decades. American housing finance is actually an…

Read Next

  • How to Appeal Your Property Tax Assessment (and When It’s Worth the Effort)
  • Are Savings Bonds Taxable? The IRS Says Yes, Your State Says No
  • Old Savings Bonds Can Stop Earning Interest Without Ever Being Cashed In
  • Your Credit Card Issuer Can Devalue Points You’ve Already Earned
  • The 1943 Tax Change Still Showing Up on Your Paycheck
  • Subsidized Housing Is Not Always What People Think It Is
  • 6 Things Billionaires Refuse to Spend Money On
  • How the Great Depression Gave Us the 30-Year Mortgage
  • The Prop 13 Rule That Lets California Neighbors Pay Wildly Different Property Taxes
  • The Gas Tax Is Suspended in Georgia. Here’s What Changes

Meet Our Writers

Andre Sousa
Andre Sousa

Housing, mortgages and homeownership.

Read Andre’s Story →
Arthur Dyer
Arthur Dyer

Taxation, public finance and fiscal policy.

Read Arthur’s Story →

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  • Housing
  • Money
  • Taxes

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Questions, corrections, story ideas, or something in the financial system that doesn’t quite add up? Send it our way.

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