Author: administración
There’s a specific kind of exhaustion that hits after a night out with people you’d describe, without hesitation, as friends. You laughed at the right moments. You told the story you always tell. You were charming, or agreeable, or funny — whatever your assigned role happens to be in that group. And then you got in the car, and the silence felt like taking off shoes that were two sizes too small. If that lands, you already understand something researchers took decades to prove: loneliness has almost nothing to do with headcount. Loneliness was never about how many people are…
Most physicians did not become doctors to spend their afternoons navigating prior auth portals or triaging inbox messages about prescription refills. But that is what a significant chunk of a clinical day looks like for many, and it has for years. AI workflow automation is the most direct response to that problem that medicine has seen. Not a promise of some future system that will think like a physician, but tools available right now that handle the repetitive, time-intensive administrative work that follows clinicians long after they leave the exam room. This is a plain-language breakdown of what AI workflow…
The University of Nebraska System must absorb a state funding cut of more than $36 million in the fiscal year that just began, after Gov. Jim Pillen (R) directed all state agencies, boards, and commissions to reduce spending effective July 1.The order, issued in a July 8 memo, responds to Nebraska income tax refunds that exceeded projections by $307 million in fiscal year 2026, leaving the state with a budget hole it now expects agencies (including its university system) to help fill.NU System President Jeffrey P. Gold, MD, told faculty and staff in a Friday message that the cut arrived…
Student loan refinance rates have held continued to hold as the Fed has held interest rates steady. As of July 16, 2026, student loan refinance lenders are offering fixed rates as low as 3.64% APR and variable rates starting as low as 3.63% APR, depending on credit profile, loan type, income, and repayment term.Credible is offering both the lowest variable rate loans starting at 3.63% APR and the lowest fixed rate loans starting at 3.64% APR.For borrowers with private student loans especially, refinancing to lower your interest rate can save you thousands of dollars over the life of the loan.💰…
Please enable JavaScript if it is disabled in your browser or access the information through the links provided below. July 16, 2026 Agencies issue joint statement on handling of highly sensitive information during bank examinations Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation Office of the Comptroller of the Currency For release at 2:00 p.m. EDT The federal bank regulatory agencies today issued a joint statement describing enhanced security procedures for review of highly sensitive information in connection with examinations of supervised banks, such as reviewing materials…
Please enable JavaScript if it is disabled in your browser or access the information through the links provided below. July 16, 2026 Federal Reserve Board issues enforcement action with former chief lending officer of Heritage State Bank For release at 11:00 a.m. EDT The Federal Reserve Board on Thursday announced the execution of the enforcement action listed below: Prohibition order against James Burns Former Chief Lending Officer of Heritage State Bank, Lawrenceville, Illinois Appraisal-Related Lending Misconduct For media inquiries, please email [email protected] or call 202-452-2955. Last Update: July 16, 2026
Every 529 plan has an account owner and a beneficiary. Most families spend a lot of time thinking about the beneficiary and almost none thinking about what happens if the owner dies.The short answer: if the account owner named a successor owner, the account transfers to that person outside of probate, usually with nothing more than a death certificate and a form. If they didn’t, what happens next depends on the plan’s rules and state law — and the account could end up in probate.Here’s how it works, what it means for taxes, and what happens if the beneficiary dies…
If you’re comparing Earnest vs. SoFi for student loan refinancing, you’re looking at two of the strongest lenders in the space — and two very different philosophies.Earnest is built around flexibility. Its Precision Pricing tool lets you dial in your exact monthly payment, which generates roughly 180 possible repayment schedules instead of forcing you into a standard 5- or 10-year box. SoFi is built around the total package: competitive rates plus member benefits like career coaching, financial planning, and a new SmartStart option that lets recent grads make interest-only payments for their first nine months.Both lenders charge no application fees,…
Certificates of deposit (CDs) have seen rates rising even more, despite major banks lowering the rates on theri savings accounts. As of July 15, 2026, the best 12-month CD rates reach up to 4.15% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.65%, 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…
Americans’ confidence in higher education slipped to 38% this year, down from 42% in 2025, according to the new Lumina Foundation-Gallup Confidence in Higher Education survey. The drop erases most of the modest recovery colleges saw last year.The survey, conducted in June 2026, found that 38% of U.S. adults have “a great deal” or “quite a lot” of confidence in higher education, 37% have “some,” and 25% have “very little” or none. When Gallup first asked the question in 2015, 57% of Americans expressed strong confidence.The NumbersThis year’s decline came almost entirely from Democrats. Just 50% of Democrats now express…