Author: administración
The layout on almost every keyboard in the English-speaking world was fixed in the early 1870s by Christopher Latham Sholes, a Milwaukee newspaper editor tinkering with a writing machine in a machine shop above a foundry. By the time E. Remington and Sons started shipping the Sholes and Glidden Type-Writer in 1874, the top row already read Q-W-E-R-T-Y. It has barely moved since. The received wisdom is tidy: Sholes arranged the keys to slow typists down so the mechanical typebars would stop clashing. That is close enough to be repeated everywhere and wrong enough to be worth correcting. What Sholes…
Is it better to put more money into my 401(k) rather than pay extra on my student loans when I have four years left until Public Service Loan Forgiveness (PSLF)? Yes, it is a super savvy move that you will not regret. Saving and investing for yourself especially when pre-tax 401(k) contributions lower your Adjusted Gross Income (AGI) and thereby reduce your required monthly payment on an income-driven plan is the right approach if you are pursuing PSLF. Why are the payment amounts under another IDR/IBR plan so high now that I had to switch out of the SAVE plan?…
Fitch Ratings downgraded Xavier University to ‘BBB+’ from ‘A-‘ last week, and assigned a Negative Outlook. The action covers the Cincinnati Jesuit university’s issuer rating and $275.6 million in Ohio Higher Educational Facility Commission revenue bonds. Operating deficits sit at the top of the warning signs families should watch at any college, and that’s what drove this decision. Fitch cited “significantly weaker-than-expected” preliminary fiscal 2026 results and a budgeted deficit for fiscal 2027. The agency cut its Operating Risk assessment to ‘bb’ from ‘bbb’ and its Financial Profile assessment to ‘bbb’ from ‘a’. Xavier joins a growing list of private…
The National Student Clearinghouse Research Center released its 14th annual High School Benchmarks report on September 17, 2026, tracking where the high school class of 2025 landed after graduation. At low-poverty high schools, 73.9% of graduates enrolled in college right away. Meanwhile, at high-poverty high schools, 51.2% did, a 22.7-point gap that lands as more students pick work over college. Both figures were nearly unchanged compared to the class of 2024, when the rates were 73.1% and 50.8%. The Clearinghouse reported that immediate enrollment shifted by less than one percentage point across every school type it measures, even as colleges…
The Question I’m expecting to get my student loans forgiven soon. I’m at about $148,000. I borrowed $65,000 for a social work degree back in 2001 and I’ve paid something every single month since. A coworker mentioned you pay taxes on this and now I don’t know what to think. I make $58,000 a year. I’ve got about $14,000 in a retirement plan, $3,000 in savings, and other debt. I can’t afford to pay more taxes. Does this even apply to me? And is there something I should be doing before the end of the year? — Sam Welcome to…
A dividend is a cash payment a company sends to shareholders, quarterly for most U.S. stocks.Reinvested dividends account for 85% of the S&P 500’s cumulative return since 1960, according to Hartford Funds.In 2026, qualified dividends are taxed at 0% up to $49,450 of taxable income (single) or $98,900 (married filing jointly). The short answer: investing for dividends means owning companies (or funds that own companies) that pay you cash out of their profits, and either spending that cash or reinvesting it to buy more shares. It’s one of the oldest ways to build wealth in the stock market, and it’s…
Please enable JavaScript if it is disabled in your browser or access the information through the links provided below. September 18, 2026 Federal Reserve Board issues enforcement actions with former employee of Northstar Bank, former employee of American Express Travel Related Services Company, Inc., and former employee of Regions Bank For release at 11:00 a.m. EDT The Federal Reserve Board on Friday announced the execution of the enforcement actions listed below: Consent prohibition order against Charles Alan Wright Former employee of Northstar Bank, Bad Axe, Michigan Misappropriation of customer funds Consent prohibition…
House Education Committee Chairman Tim Walberg (R-Mich.) and Sen. Jon Husted (R-Ohio) introduced the TEAM USA Act (PDF File) on September 14, 2026. The bill would ban any college that takes federal student aid from putting more than 20% international athletes on the official roster of any varsity team. Teams with fewer than 10 athletes would be limited to a single international player. Every school would also have to report each team’s international share annually to the Education Department and its athletic association, on top of the existing Title IV reporting rules. The enforcement mechanism is what’s important here. A…
Please enable JavaScript if it is disabled in your browser or access the information through the links provided below. September 18, 2026 Federal Reserve Board announces termination of enforcement action with SNB Bancshares and Bank of Eufaula For release at 11:00 a.m. EDT The Federal Reserve Board on Friday announced the termination of the enforcement action listed below: SNB Bancshares, Inc., Eufaula, Oklahoma, and Bank of Eufaula, Eufaula, Oklahoma Written Agreement dated August 7, 2024 (PDF) Terminated September 3, 2026 Additional enforcement actions can be searched for here. For media inquiries, please…
No monthly fees or minimum balance requirements3.50% Savings APYNo annual-fee cash-back credit card 1.5% cash back on all purchases with no spending cap Fee-free international money transfers to select countriesNo monthly account feesCompetitive savings APYFee-free international transfersVery new to the U.S. marketHighest rates not yet availableLimited product lineupNu is a global financial technology company that recently entered the U.S. market, offering a high-yield savings account and a cash back credit card. Nu is not a bank, so it’s U.S. banking products are provided through its partnership with Lead Bank, which is an FDIC member. What Is Nu? Nu, also known as Nubank,…