Author: administración

High-yield savings account rates finally saw their first major dips of 2026 – with about a half-dozen banks reducing their savings rates.As of April 20, 2026, some online banks are still offering interest rates up to 5.00% APY, but these top APYs are usually limited. This is still much better than the average of 0.39% APY, according to the FDIC.Banks and credit unions are constantly adjusting their annual percentage yields (APYs) as markets react to Federal Reserve policy and inflation data, so staying up to date can make a real difference. Here’s where the best savings rates stand today —…

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If you’re reading this, there’s a good chance you’re not here theoretically. You invested in a passive real estate deal. It didn’t work out. Maybe distributions stopped. Maybe you got a letter from the operator that didn’t have good news. Maybe you’ve done the math and you know the equity is gone. That’s a specific kind of hurt. It’s not just the money. It’s the confidence hit, the second-guessing, the conversation you had to have with your spouse. The feeling that you should have known better. I’ve been there. As an investor and as someone who has run deals. I’m…

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For those who work in AI, let me share a cautionary tale based on history. You may be getting incredibly rich right now, but there’s little point in being rich if your safety is constantly at risk. Back in 2008, I was working in finance at Credit Suisse Group in San Francisco. There were constant protests against all financial institutions for the next three years. The most famous slogan to come out of the global financial crisis was, “We are the 99%!” People camped out in public parks through NYC and SF, and anybody who worked in finance was the…

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Key PointsAbout one in four graduate borrowers currently takes on student loans that exceed the new limits set by the One Big Beautiful Bill Act, totaling roughly $8 billion.States like California, Oregon, New York, Nevada, and Vermont will be hit hardest, with at least 40% of graduate borrowers exceeding the new caps.Programs in medicine, law, physical therapy, and physician assistant studies face the steepest cuts in available federal loan volume. Starting in July 2026, hundreds of thousands of graduate students will face a new reality: strict federal borrowing caps that will cut off billions of dollars in student loan funding…

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