Author: administración

Key Points NIL money has exploded in recent years, and colleges can now pay out $21.3 million a year, on top of collectives and brand deals. But the money comes with almost no instructions. Many student athletes don’t know how to deal with self-employment. NIL arrives on a 1099, so athletes owe 15.3% self-employment tax before a dollar of income tax. The FAFSA hit lands two years late. Money earned in 2026 first shows up on the 2028-29 FAFSA. College athletes are getting paid, and many of them don’t know what to do with it to maximize their long term…

High-yield savings account rates held steady and even increased going into August. With the Fed holding rates steady, banks are using this opportunity to capture savers.As of August 17, 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 — and what you…

If you’ve searched some version of “does passive income actually exist,” you’re not being naive. You’re being appropriately skeptical. Someone I had just met said it more bluntly at a friend’s house recently. He told me flat out he didn’t believe passive income exists. His reasoning: “It’s a fantasy. The idea that you can do nothing and get paid.” He’s not wrong about the thing he’s describing. He’s just describing the wrong thing. This distinction matters more for physicians than almost anyone else, because most of us have never operated under any model besides trading time for money. Understanding where…

Key Points ED now counts credit hours, not time, for Grad PLUS uncapped grandfathering. Front-loaded full-timers are getting denied mid-degree, since some programs may operate differently than others. The confusion comes as many programs are starting right now. The Education Department has quietly changed how it decides whether continuing graduate students can still borrow uncapped Grad PLUS loans, and the change is already generating denials for students who have been enrolled. During an August 12 Federal Student Aid webinar on the implementation of new loan limits and the interim exception for continuing students, FSA staff told schools to calculate “expected…

by AshleyI’m a goal-setter. I like to have something I’m working toward, always. And when I set goals, I often set them across multiple different categories (e.g., health/wellness, financial, relationships, personal development, motherhood, professional, etc.). On August 1st I started a new fitness challenge: 75 Soft. This is a lighter variant of the 75 Hard workout challenge that became popular during pandemic times when author Andy Frisella published his book about the challenge. I’ve had a few friends try it, but this is my first time jumping on the bandwagon. In the original version (the “hard” version), you follow a diet, do…

As of July 1, 2026, new Parent PLUS borrowers are capped at $20,000 per dependent student per year and $65,000 for that student’s entire undergraduate career. Before this change, Parent PLUS went all the way up to the school’s full certified cost of attendance.For families at expensive schools, that program was the entire plan. It closed whatever the aid package didn’t, and it did so without much scrutiny. The problem you notice – $20,000 per year doesn’t translate to $65,000 if your child attends college for 4 or even 5 years… that’s a problem.In partnership with Student Choice, we’re going…

As of July 1, 2026, new Parent PLUS borrowers are capped at $20,000 per dependent student per year and $65,000 for that student’s entire undergraduate career. Before this change, Parent PLUS went all the way up to the school’s full certified cost of attendance.For families at expensive schools, that program was the entire plan. It closed whatever the aid package didn’t, and it did so without much scrutiny. The problem you notice – $20,000 per year doesn’t translate to $65,000 if your child attends college for 4 or even 5 years… that’s a problem.In partnership with Student Choice, we’re going…

Singapore did it through NEWater, a national system that takes conventionally treated sewage and purifies it again with membranes and ultraviolet light. In 2017, the government said the five factories then operating could meet up to 40 per cent of current water demand, according to an official speech archived by the National Archives of Singapore. That was a production-capacity figure covering industrial and potable uses, not a claim that two glasses in every five poured from a kitchen tap came directly from sewage. On 9 August 2002, then prime minister Goh Chok Tong led about 60,000 people in a National…

The Space Shuttle Challenger broke apart 73 seconds into its tenth flight, at an altitude of about 14,000 metres, killing all seven crew members. The immediate cause was not the explosion most viewers remember watching on television. It was a failure that had already happened on the launch pad, in the first second after ignition, in a joint that was never designed to seal a rocket in near-freezing weather. The joint was on the right solid rocket booster. The seal was an O-ring — a loop of synthetic rubber, roughly 7.1 mm in cross-section diameter and about the diameter of…

The newest age group in the workforce is Gen Z. And like most generational differences — think the average net worth of millennials a decade ago — they have a different approach to many things, money included. So how is Gen Z doing financially? What’s the average net worth of Gen Z? Let’s take a look.First, it’s important to realize that the Gen Z age range today is 14 to 29 years old. For the sake of talking about money and net worth, we’re only going to focus on 23 to 29 year olds. Because, let’s be honest, the net…