Author: administración

Each year the IRS adjusts the limits on retirement plans to reflect inflation and changes in law. For tax year 2026, the key numbers for 401(k), 403(b), solo 401(k), and IRA accounts increase modestly – but there’s also a major new rule for high earners that affects how catch-up contributions must be treated.Below you’ll find the full set of updated limits for 2026, a comparison with 2025, and guidance on what these changes mean for you.If your company offer a 401(k) retirement plan program, it would be good idea to take advantage of it and boost your contributions. That’s why…

A federal judge ruled that 32 highly selective colleges (including Amherst, Brown, Columbia, Cornell, Dartmouth, Duke, Johns Hopkins, Northwestern, Penn, Rice, Vanderbilt, and the University of Chicago) must face an antitrust lawsuit over their early decision admissions practices.In a 28-page order (PDF File), U.S. District Judge Angel Kelley denied the schools’ motion to dismiss, finding the plaintiffs plausibly alleged the colleges agreed not to compete for students admitted early decision. Their agreement could violate Section 1 of the Sherman Act.Kelley did dismiss the claims against three non-school defendants: Common App, Scoir (which runs the Coalition App), and the Consortium on…

Certificates of deposit (CDs) have seen rates rising even more, despite major banks lowering the rates on theri savings accounts. As of August 12, 2026, the best 12-month CD rates reach up to 4.40% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.68%, 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…

Somewhere between the second cup of tea and the moment the light changes in the afternoon, an adult will occasionally notice a feeling they cannot place. Not sadness exactly. Not anxiety in any textbook sense. Something heavier than mood, quieter than grief, and stubbornly resistant to the usual labels. Most people reach for a solution within minutes. They open a message thread and describe it to a friend. They put on a podcast. They go for a walk with a purpose. They call it burnout, or perimenopause, or a Sunday feeling, or being a bit off, and the label does…

The Treasury Department and IRS issued Notice 2026-48 on August 7, 2026, announcing the proposed regulations for the Saver’s Match — a new federal program that will deposit up to $1,000 per year directly into eligible workers’ retirement accounts. The match takes effect for the 2027 tax year, with the first payments arriving in 2028, and it replaces the Saver’s Credit for retirement contributions.The notice also begins implementation of Executive Order 14403, which directs Treasury to launch TrumpIRA.gov by January 1, 2027. The site will list low-cost IRA providers that accept match payments, with a focus on self-employed workers and…

On Sunday 4 November 1973, the A12 between The Hague and Utrecht was silent enough for children to ride bicycles down the middle of it. Prime minister Joop den Uyl had gone on television days earlier to tell the country that the Arab oil-producing states had cut supplies, that petrol would be rationed, and that private cars were banned from the roads every Sunday until further notice. The photographs from those weeks — families picnicking on motorway asphalt, roller skaters on empty flyovers — became some of the most reproduced images in postwar Dutch memory. The ban itself lasted only…

Key PointsStudent loan balances fell $7 billion in Q2 2026 to $1.65 trillion, one of only two debt categories to decline, according to the New York Fed’s latest household debt report.New serious delinquencies dropped to 7.83% from 12.88% a year ago, a sign the post-restart default wave may be slowing.Recent “record default” headlines rest on Education Department data that stops at March 2026, counting severely delinquent borrowers as defaulted before they’ve hit collections. Total household debt decreased $13 billion (0.1%) in the second quarter of 2026 to $18.77 trillion, according to the New York Fed’s latest Quarterly Report on Household…

House Democrats have introduced a bill that would let parents transfer their Parent PLUS loans to the children whose education those loans paid for. The Parent PLUS Loan Fairness and Responsibility Act of 2026 (H.R. 9272), introduced by Rep. Bill Foster (D-Ill.) with three Democratic co-sponsors, would amend the Higher Education Act so a qualifying loan could be transferred to the student, who would in turn become the sole legal borrower, while the parent would owe nothing.The transferred loan would keep its original terms and origination date, and any qualifying payments the parent made toward Public Service Loan Forgiveness would…

Student loan rates have are getting even more competitive as peak back to school season starts. As of August 11, 2026, private student loan lenders are offering fixed rates as low as 1.97% APR and variable rates starting as low as 3.03% APR, depending on credit profile, degree program, and repayment term. College Ave is 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 on these changes can…

The College Savings Foundation released its 20th Annual State of Higher Education Savings Survey, polling 1,000 parents of children age 25 and under. The headline numbers: 93% of parents plan to help fund their children’s education, 84% call higher education a good investment, and half are saving in a 529 plan.Parents are also defining higher education more broadly than a four-year degree. While 53% expect their kids to attend a traditional four-year college, 85% believe their children will need to keep adding skills throughout their careers, and respondents rated career and technical schools as valuable as college. Would you like…