Author: administración

Opening a 529 plan to save for your child’s college expenses can be a great way to build savings while reaping tax benefits.Some of the benefits of a 529 plan include tax free growth and tax free withdraws if the money is used for “qualified education expenses”. But one thing that stops many would-be 529 owners is understanding what exactly a 529 plan will cover – what exactly are qualified education expenses?If you’ve been considering opening a 529, here are some common qualified expenses you should be aware of. We also go into depth on some of the non-qualified expenses that people sometimes…

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Certificates of deposit (CDs) remain one of the most reliable short-term savings tools, especially for those seeking guaranteed returns as rates fall. As of February 11, 2026, the best 12-month CD rates reach up to 4.05% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.61%, according to the FDIC. However, over the last week we saw several major banks drop their 12-month CD rate.Now might be the best time to lock in a guaranteed rate. If you’re looking to earn a predictable return over the next year, these are the best…

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Terminal multiplexers didn’t just organize your workflow; they completely transformed how you interact with your development environment. They help you perform smooth operations while deploying code, debugging servers, or just tinkering with scripts. There are quite a few terminal multiplexers out there, such as Tmux and Screen. But if you are a beginner, you might find these complex or difficult to configure. That’s where Zellij comes in. It offers an easier alternative and works right away without any setup. Key Features of Zellij Zellij provides all the necessary features that modern terminal multiplexers need. Let us examine some of its…

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My primary goal for this site is to help you achieve financial freedom sooner rather than later. And if you’re still on your path to financial freedom, sending your children to private grade school often works against that objective. I’ve experienced freedom from bosses, work travel, rush hour commutes, and client pressures since 2012. And I can unequivocally tell you the sacrifices you make to reach FIRE are well worth it. Your health improves. Your happiness increases. And you finally have the space to find something meaningful to do with your one and only life. In this post, I want…

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Key PointsHigher net price correlates with higher graduation rates, largely due to student resources and institutional spending power.Colleges serving more Pell Grant recipients have lower graduation rates, reflecting financial fragility rather than student ability.Selectivity predicts completion, because colleges admit students who are already more likely to graduate. College costs are rising, student debt is a major topic of debate, and graduation rates are increasingly used as a proxy for value. But here’s the uncomfortable question most families don’t ask soon enough: Do higher-priced colleges actually deliver better outcomes—or just higher bills?In Who Graduates from College? Who Doesn’t?, I analyze how…

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The browser vs third-party managers debate is no longer as simple as it once was. Many assume third-party managers are always superior due to dedicated vaults. Yet, browser options in Chrome, Edge, Firefox, and others have improved significantly with stronger encryption, biometric locks, and passkey support. This guide compares both sides to help you choose. How Browser Password Managers Became More Secure People used to complain that browser password managers were too easy to crack. Back then, anyone with access to your unlocked computer could just open the settings and see your passwords in plain text. That’s not really true…

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