About SmartMoneyDaily

Who writes here

My name is Kkuma Park. I’m an independent writer and developer based in Seoul, South Korea, with more than a decade of experience in IT. I started SmartMoneyDaily because most explanations of savings accounts, CDs, and money market accounts are either oversimplified or buried in bank marketing — and I wanted a plain-English reference I could actually trust. You can find my open-source work on GitHub, where this site is also built and published in the open.

What SmartMoneyDaily is for

SmartMoneyDaily focuses on one thing and tries to do it well: helping U.S. readers understand and compare high-yield savings accounts (HYSAs), certificates of deposit (CDs), and money market accounts.

You’ll find explainers on how APY and compounding actually work, how FDIC and NCUA deposit insurance is calculated, how CD early-withdrawal penalties work, and how to compare accounts without being misled by a single headline rate.

How I keep this accurate

• I stick to verifiable, public information. Where rules and figures matter, I rely on primary U.S. sources such as the FDIC, the Federal Reserve, the Consumer Financial Protection Bureau (CFPB), the NCUA, and the U.S. Treasury — and I name them in the article so you can check.
• I don’t quote a “current rate” as if it were fixed. Interest rates change constantly, so instead of pretending to know today’s exact APY, I explain how to find and compare up-to-date rates yourself.
• I use AI tools to help draft and structure articles, and I curate the topics and check them against public sources before publishing. I’d rather be transparent about that than claim a personal test I didn’t run.
• I correct mistakes. If I find that an earlier post was inaccurate or out of date, I fix it.

A note on what this is not

SmartMoneyDaily is general educational information, not personalized financial, tax, or investment advice. Your situation is unique — for decisions that matter, confirm the details with the bank or a qualified professional. See the Disclaimer for more.

Get in touch

Questions, corrections, or feedback are welcome.

Email: 200kgBrothers@gmail.com

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