Author: administración
n today’s market, a company’s bottom line isn’t the only number investors watch. Many also want to know how a company treats the planet, its workers, and its shareholders. If you want to do well while doing good, you may be considering ESG investing — short for environmental, social, and governance investing, also called socially responsible investing (SRI) or sustainable investing.But the landscape looks very different than it did a few years ago. After explosive growth through 2021, sustainable investing has hit real headwinds: years of fund outflows, a political backlash, and a federal retreat from climate disclosure rules. At…
A coalition of states is pressing a federal judge (PDF File) to halt the Department of Education’s new Public Service Loan Forgiveness (PSLF) rule before it takes effect July 1, 2026. This comes after the Department moved to add a sworn attestation to the program’s certification forms in a Federal Register notice (PDF File).The new rule lets the Secretary of Education strip PSLF eligibility from employers (including state and local governments) that the Department decides have a “substantial illegal purpose.” The form change would require employers to confirm, under penalty of perjury, that they have not engaged in such activity. For more…
Student loan rates have battled at the most competitive levels we’ve seen in a year. As of June 23, 2026, private student loan lenders are offering fixed rates as low as 2.29% APR and variable rates starting as low as 3.03% APR, depending on credit profile, degree program, and repayment term.Earnest Student Loans currently offers the lowest fixed rate loan available, but it does require a loyalty discount. 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…
The federal government does not have the legal authority to forgive all student loans through executive action. But in narrow circumstances, it can compromise (meaning settle, discharge, or write off) federal student debt on a case-by-case basis, and it can suspend or terminate collection on defaulted loans it decides aren’t worth pursuing.This matters more in 2026 than it has in years. Collections on defaulted loans restarted in May 2025 after a five-year pandemic pause, then the Department of Education hit pause again in January 2026 — postponing wage garnishment and Treasury offsets while it rolls out the repayment overhaul that…
Most physicians who’ve built wealth outside medicine end up in a similar place. They’ve got real estate exposure, maybe some index funds, a few syndications. And then they start asking a question that doesn’t have an easy answer: what else belongs here? That’s where I was several years ago. I was looking for assets that genuinely behaved differently from what I already owned. Things that didn’t move in lockstep with the stock market, didn’t depend on the same interest rate cycle as real estate, and could produce consistent income in conditions where my other assets were under pressure. Oil and…
High-yield savings account rates have held steady, with some banks even increasing their rates, to start June.As of June 22, 2026, some online banks are still offering interest rates up to 5.00% APY, but these top APYs are usually limited by deposit size. 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…
Please enable JavaScript if it is disabled in your browser or access the information through the links provided below. June 22, 2026 Federal Reserve notes with deep sadness the passing of Alan Greenspan For release at 8:45 a.m. EDT The Federal Reserve notes with deep sadness the passing of Alan Greenspan. Chairman Greenspan served as the 13th Chairman of the Board of Governors from 1987 to 2006, and his contributions to monetary policy and economic thought left a lasting mark on this institution, on the broader field of economics, and on the…
Most colleges charge application fees of around $50 per application, but they can sometimes be as high as $90. This can really add up if you’re applying to 4-7 colleges. However, there are also plenty of free college applications as well – you just have to know where to look.These free college applications can take several forms: Fee Waivers: Where the college charges no application fees for you, because you meet a specific criteria like being a low income student.Free College Application Weeks: Many states offer free college application weeks for their state university system, typically happening in October every year.Colleges…
So, do colleges allow pets? Increasingly, yes. More and more colleges and universities now allow pets in dorms and across campus, adjusting longstanding policies to meet the changing needs of students.Having a pet in college was once a rarity, but pet-friendly campuses are far more common today as schools work to create a more supportive environment for their students.That said, having a pet as a college student is a big commitment in terms of financial responsibility and time commitment. From explaining common pet policies to reviewing current trends on campuses, we break down the ins and outs of owning a…
Hello friends. I hope you’re enjoying the summer break as much as my son is. RB40Jr just wrapped up an incredibly busy freshman year of high school. Now, his main goal seems to be playing video games until 3 a.m. and waking up at noon. Actually, I have no idea exactly how late he stays up because I’m out cold by 11 p.m. Life is sweet for a teenager when school is out.Things are going pretty well on my end, too. My glacial pace transition to full retirement is almost complete. I left my engineering career way back in 2012…