Author: administración

Most credit-building advice is written for people who need help with bad credit. If you’re 17, 19, or 22, that’s probably not your problem. Your problem is that you most likely don’t have any credit history: either no file at the bureaus, or a file too thin for a lender to read, both of which are normal for your age. That matters because to generate a FICO score, your credit report needs at least one account that has been open six months or more, and at least one account reported to a bureau within the past six months. Miss any…

Texas State University is doubling the income limits on its free tuition program. Starting with the Fall 2027 entering class, first-time freshmen who graduate in the top 25% of their high school class and have a family adjusted gross income of $100,000 or less will qualify for free tuition and mandatory fees under the expanded Bobcat Promise. That makes Texas State a part of a growing list of colleges that have made tuition free for qualifying families. The university expects the expansion to benefit roughly 3,400 incoming freshmen. Students from families earning $50,000 or less remain eligible regardless of class…

Certificates of deposit (CDs) have seen rates rising even more, despite major banks lowering the rates on theri savings accounts. As of September 2, 2026, the best 12-month CD rates reach up to 4.35% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.71%, according to the FDIC. Over the last several weeks, rates have been rising slightly.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 CD rates available today.💰 Today’s Best 12-Month CD…

On 25 August 2012, at 121.7 times the Earth–Sun distance, the particle counters aboard a spacecraft the size of a subcompact car went abruptly quiet. The charged particles streaming out from the Sun, which Voyager 1 had been swimming in for 35 years, fell away and stayed away, and galactic cosmic rays from beyond the Sun’s reach jumped in the same instant. It looked like a crossing. Proving it took another year. Not until April 2013, when a burst of solar activity set the surrounding plasma ringing, did Voyager 1’s plasma wave instrument return the number that settled the argument,…

Arizona State University has launched a Bachelor of Arts in Content Creation through its Walter Cronkite School of Journalism and Mass Communication, available at its downtown Phoenix campus, online, and through ASU Local. Coursework covers video and podcast production, audience analytics, brand voice, monetization, copyright, plus hands-on work through a Los Angeles Content Studio and brand content projects. Critics immediately branded it the “influencer degree,” reviving the debate over whether college is worth the investment at all. According to reporting from the Associated Press, the curriculum overlaps heavily with ASU’s existing mass communication degree, with the main difference being specialized…

Student loan rates have are getting even more competitive as peak back to school season ends. As of September 1, 2026, private student loan lenders are offering fixed rates as low as 1.94% APR and variable rates starting as low as 3.03% APR, depending on credit profile, degree program, and repayment term. College Ave and Ascent Student Loans currently offer the lowest fixed rate loan available. Student Choice is currently offering the lowest variable rate student loan available.While federal student loan rates are set annually by Congress, private lenders continue to adjust based on market conditions and Treasury yields. Staying current…

Ohio State University will pay $2.1 million to resolve civil allegations that it failed to disclose employees’ affiliations with and funding from the People’s Republic of China on NASA and National Science Foundation grant applications, the Justice Department announced. The settlement covers NASA and NSF grants awarded to the university between November 2012 and August 2023, a time period when federal research funding was a major revenue source for large universities with far less scrutiny than it faces today. According to the settlement agreement, the case centers on former OSU professor C.K. Shum and members of his lab, including Yu…

Bill Gates published a 6,000-word essay on the AI transition, calling it “one of the most turbulent times in human history” and arguing the world has no real plan for it. He organizes the essay around three key risks (permanent job losses, AI-empowered bad actors, and damage to how kids develop and their education), at a moment when AI anxiety is already boiling over on campuses. The line that should stop educators cold: Gates writes that the same tool that will allow people to learn more than ever “could also lead to many people learning less.” He points to a…

Starting this fall, all seven schools in the University of Maine system, plus Cloud County Community College and Pratt Community College in Kansas, will award college credit for soft-skills credentials students earned in high school through the nonprofit Jobs for Maine Graduates and its national spinoff GenUS. Program leaders say it’s the first time colleges have granted credit for “durable skills” (leadership, communication, financial literacy, career readiness) developed in high school outside the colleges’ own courses. The credentials will be treated much like credit for prior learning, the same framework colleges have long used for military training and AP exam…

The game was Pokémon GO, and within a week of its US release the app was on more American Android phones than Tinder, with daily use rivalling Twitter. Niantic’s servers buckled repeatedly through July as tens of millions of new accounts signed on. What made the game unusual for small business owners was not the download count. It was where the players physically stood. Pokémon GO anchored its gameplay to real-world coordinates called PokéStops and Gyms. Players had to walk to them to collect items, battle, and — critically — to activate a paid item called a Lure Module that…