Author: administración

Dollar-cost averaging is a simple but effective strategy for addressing stock market volatility. Instead of trying to time the market with a large lump-sum investment, it invests smaller amounts at regular intervals.Sometimes, dollar-cost averaging works better than lump-sum investing. Sometimes lump-sum investing works better.Learn when each option works best. Table of Contents What Is Dollar-Cost Averaging?Sometimes, Dollar-Cost Averaging Is Just Timing the Market When Does Dollar-Cost Averaging Work Well? What About Lump Sum Investing?So Lump Sum Vs Dollar Cost Averaging: Which Is Best For You? What Is Dollar-Cost Averaging?Dollar-cost averaging involves periodically investing a series of equal amounts at regular…

by HopeIt’s been 20 years, almost to the day, since I left the corporate world. And while I’ve forayed back into it a couple of brief stints, freelancing and contract work has paid my bills for most of the last two decades.Since mom died, I am back at job seeking full time. And I’m averaging 2-3 interviews per week, and have picked up 3 new contracts over the last couple of weeks. Yeah! I’m also actively seeking full time roles in Austin and Atlanta.Upwork application status for the last month Overall, my hunt has been much more successful, much more quickly…

High-yield savings account rates have dropped heading into July, with many of the popular top options seeing large cuts last week, with one major exception – the market leader EverBankAs of July 20, 2026, some online banks are still offering interest rates up to 4.15% APY. This is still much better than the average of 0.38% 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…

Senator Elizabeth Warren pressed Deputy Treasury Secretary nominee Francis Brooke at a Senate Finance Committee hearing over whether the Treasury Department will resume garnishing Social Security benefits for seniors with defaulted student loans. In the exchange, Brooke could not say how many borrowers are in default and declined to commit to keeping the current pause on Social Security offsets in place. Would you like to save this?We’ll email this article to you, so you can come back to it later! I agree to be sent email. Why It MattersTreasury now manages the defaulted federal student loan portfolio after the Trump administration…

Most physician investors start the same way. A duplex. A fourplex. Maybe a single-family rental in a good school district. It feels manageable, the numbers make sense, and honestly it’s kind of exciting to finally put some of that W2 income to work. And for a while, it works really well. Then at some point, something shifts. Capital gets tied up. Finding the next deal takes longer. Management starts taking more time than you expected. And the math, the whole reason you got into this, stops moving the needle fast enough to feel worth it. This is the ceiling almost…

I just recently finished listening to an audiobook, The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness by Morgan Housel. The Psychology of Money has great lessons about building wealth and learning the art of “enough.” I have to be honest. I decided to check it out because I like the topics of Psychology and Money, but I didn’t think I’d get a lot out of the book. I figured I already know quite a bit about money and psychology (each separately), so I probably would already know everything that was written in the book. That turned out…

Key PointsIRS data shows the student loan tax bomb has historically been tiny: the Joint Committee on Taxation estimated it collected only about $6 million per year.The tax bomb was paused from 2020 through 2025, but now student loan debt cancelled under income-driven repayment is taxable again. The student loan tax bomb is back. Since the American Rescue Plan’s tax exemption for forgiven student debt expired on December 31, 2025, borrowers who reach forgiveness under income-driven repayment (IDR) plans once again face a potential federal income tax bill on the canceled balance.But here’s the question almost nobody asks: how much…

If you’re planning to take out federal student loans, you’ll be required to take student loan entrance counseling. The required introduction to your student loans covers a wide swath of financial topics you’ll encounter throughout your career in higher education and beyond.If you’re an undergraduate being asked to take student loan entrance counseling, that means you’re taking out your first Direct Subsidized Loan or Direct Unsubsidized Loan. Graduate students must also take the counseling course before they can receive their first Direct PLUS Loan. But what exactly is student loan entrance counseling? And is it worth the time? In this…

Nelnet has quietly revised its end-of-SAVE-plan FAQ to shorten its notice timeline: every 90-day notice from the servicer will now go out by the end of 2026. The FAQ previously said notices would be delivered between July 2026 and March 2027, a window Nelnet has now cut by three months.The updated FAQ states: “Nelnet is notifying nearly three million Nelnet borrowers, so we’re reaching out in waves. You’ll receive your notice by the end of 2026.” Nelnet services federal student loans on behalf of the Department of Education, and servicers execute the Department’s schedule, not their own. When Nelnet’s timeline…

Paper savings bonds are still sitting in drawers, safes, and safe deposit boxes all over America and cashing one in 2026 is a little harder than it used to be.Savings bonds are now sold almost exclusively in electronic form through TreasuryDirect. The last way to get a new paper bond — the tax-time paper I bond program — ended on January 1, 2025. That means every paper savings bond out there is a legacy document, and the infrastructure for cashing them keeps shrinking: fewer banks will redeem them over the counter, and more redemptions are going through the mail to…