Author: administración

New IRS data shows that the dreaded 529 plan penalty is far less common, and far less painful, than most families fear.According to the IRS Statistics of Income division’s line item estimates for tax year 2023 (the most recent year with data available, released in June 2026) just 165,152 tax returns paid the 10% additional tax on non-qualified distributions from 529 plans and education savings accounts, totaling $76.6 million. That works out to an average penalty of about $464 per return for people reporting 529 plan distributions.Out of the more than 160 million individual returns filed for 2023, roughly 0.1%…

If you’ve changed jobs a few times, there’s a good chance you have more than one Health Savings Account (HSA) sitting with different providers. The good news: you can roll over or transfer your HSA funds from one provider to another, consolidate your accounts, and simplify your financial life.There are four main ways to move money into (or between) HSAs: a trustee-to-trustee transfer, an in-kind investment transfer, a 60-day HSA rollover, and a one-time IRA-to-HSA rollover. Each has different rules, and picking the wrong one can cost you taxes and penalties.Here’s what you need to know about each option.Related: If you’re…

The U.S. Court of Appeals for the Ninth Circuit unanimously rejected (PDF File) the Department of Education’s appeal to delay student loan relief for more than 170,000 borrowers under the Sweet v. McMahon borrower defense settlement, affirming the district court’s ruling on July 17, 2026.The judges found the Department failed to show the “changed circumstances” legally required to modify a settlement it agreed to in 2022 and said the agency knew exactly what it was signing up for. 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…

Common Sense Media’s Youth AI Safety Institute has given Google Search’s AI Overview and AI Mode its lowest possible rating (an “unacceptable risk” for kids and teens) after seven weeks of testing found the features failed all five of the group’s severe-harm “Red Lines,” fabricated facts with confidence, and cannot be turned off by parents, schools, or users.The assessment, published July 14, 2026, tested more than 2,600 interactions on accounts registered to an 11-year-old and a 15-year-old, both with SafeSearch active.Why This MattersGoogle Search is the default answer machine for American kids. Common Sense Media’s 2026 census of AI use…

Key PointsMore than 93% of private undergraduate student loans required a cosigner but a small group of lenders now approves upperclassmen based on academic merit instead of a parent’s credit.Funding U lends $3,001 to $20,000 per year to full-time undergraduates with no cosigner accepted at all while Ascent’s outcomes-based loan serves juniors and seniors with a 3.0+ GPA, also up to $20,000 per year.GradBridge targets upperclassmen and graduate students who were denied by traditional lenders — though most of its undergraduate borrowers still need a cosigner, while graduate students may qualify on their own. Students who make it to junior…

Quick SummaryBuy shares of a real estate investment fund for as little as $1Weekly dividend payoutsOption to set up automatic investments1% portfolio management fee GET STARTED ProsStart investing with as little as $1Passive form of real estate investingOption to withdraw funds as neededConsYou cannot pick and choose your investments (Cash Flow strategy)Less liquid that stock market investments Concreit is a private real estate investing platform that lets everyday investors build wealth through fractional ownership of real estate. With investment minimums starting at $1, Concreit makes it easy to add the real estate asset class to your portfolio. In this full…

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.💰…