Author: administración

Key PointsIn the first year of eligibility, 150 young adults directed $349,550 from their accounts to 70 trade schools, colleges, and universitiesRoughly 64% of those expected to enroll in college used the funds in their first eligible semester.The experiment’s design directly informed the new federal Trump Accounts, which deposit $1,000 for eligible newborns nationwide. In 2007, Oklahoma automatically opened a state 529 account seeded with $1,000 for more than 1,300 newborns — no paperwork, no opt-in, no action required from parents. Those babies turned 18 in 2025, and researchers just released the first data on what happened when the money…

Ray-finned fishes have evolved bioluminescence independently at least 27 times. Some lineages manufacture light inside their own tissues, while others cultivate luminous bacteria in organs shaped into lures, lamps, reflectors and shutters. The number comes from a 2016 phylogenetic analysis led by Matthew Davis, John Sparks and W. Leo Smith. Their study placed glowing species across a family tree built from 301 fish taxa and identified 27 separate origins distributed among 14 major ray-finned fish clades. That figure applies specifically to marine ray-finned fishes, not to fish, squid, jellyfish and bacteria combined. Across the entire tree of life, evolutionary biologists…

Key PointsTEPSLF lets payments made on Graduated, Extended, and certain Consolidation repayment plans count toward the 120 payments needed for loan forgiveness — plans that don’t qualify for regular PSLF.The catch: the amount you paid 12 months before applying and your last payment before applying must each be at least as much as you would have paid on an income-driven repayment (IDR) plan.TEPSLF is funded with a limited congressional appropriation and awarded first-come, first-served. Temporary Expanded Public Service Loan Forgiveness (TEPSLF) is a big deal for a lot of borrowers, especially as they approach 120 eligible PSLF payments.Here’s the problem…

Key PointsThe Justice Department’s Civil Rights Division found that UC San Diego School of Medicine intentionally discriminated against white and Asian applicants in favor of Black and Hispanic applicants, violating Title VI of the Civil Rights Act and the Supreme Court’s 2023 SFFA decision.DOJ data analysis shows Black applicants were admitted at more than double the rate of white applicants for the incoming classes of 2023, 2024, and 2025.The Department is seeking a voluntary resolution agreement with the university and says it will file suit if negotiations fail. The Justice Department has found that the University of California San Diego…

Student loan rates have are getting even more competitive as peak back to school season starts. As of July 21, 2026, private student loan lenders are offering fixed rates as low as 2.19% APR and variable rates starting as low as 3.03% APR, depending on credit profile, degree program, and repayment term. Ascent Student Loans and College Ave are currently offering 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…

Key PointsThe Justice Department has opened a review to determine whether financial aid programs at Harvard funded by China-based donors unlawfully exclude American students based on national origin.Harvard has disclosed nearly $4.5 billion in foreign funding (the most of any U.S. university) with more than $630 million coming from China-based sources, some of which restrict funds to financial aid “with preference given to students from particular countries.”Harvard must turn over documents by July 31, 2026. If violations are found and not resolved voluntarily, penalties could include suspension or termination of federal funding, or a civil lawsuit. The Justice Department announced…

Psy is still galloping across YouTube, and the number beneath Gangnam Style has now passed six billion. The music video crossed the threshold on July 17, 2026, two days after the fourteenth anniversary of its release, according to Psy’s agency P Nation. It is the first K-pop music video to reach the mark. Spread evenly across the video’s lifetime, six billion views works out to roughly 1.17 million plays every day for fourteen years. Counting upward once per second, without stopping to sleep, would take more than 190 years to reach the same number. The milestone is not simply an…

A phone can display 15 percent while its lithium-ion cell is already approaching the voltage at which the device must shut down. The percentage is not a direct reading from the battery chemistry; it is an estimate that can remain convincing until fresh evidence forces the system to correct it. A small fuel-gauge circuit sits between the cell and the operating system. Devices such as Texas Instruments’ BQ27Z561 simultaneously measure current and voltage, monitor temperature, and calculate values such as remaining capacity and state of charge. The calculation is not identical in every phone. Battery chemistry, gauge hardware, manufacturer configuration,…

Key PointsA federal judge ruled that a five-word phrase in OMB regulations does not let agencies cancel grants because an administration’s priorities changed after the award was made.The decision protects more than $5.39 billion across at least 1,180 active grants held by 20 states, D.C., and three governors who sued the Trump administration.The ruling is declaratory only. It does not restore grants already terminated, and two other counts in the case are still pending. Federal agencies cannot terminate grants simply because a new administration decides the money no longer matches its priorities, a federal judge ruled Friday.U.S. District Judge Indira…

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…