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Hackers Stole Data On About 7 Million California Students From Testing Vendor ETS


Key Points

  • A hacker copied records on about 7 million California public school students from testing vendor ETS between May 22 and September 18, 2026.
  • The stolen files include names, birth dates, home addresses, and disability status, but not Social Security numbers or financial account details.
  • Families can enroll in free Experian monitoring through March 19, 2027, and parents can freeze credit for children under 16 at no cost.

A hacker copied personal data on roughly 7 million California public school students from Educational Testing Service. ETS runs California’s statewide CAASPP and ELPAC exams, and someone used a stolen login to reach one of its file-transfer sites between May 22 and September 18, 2026.

The files include names, birth dates, and home addresses, the core details thieves use to take out student loans in someone else’s name.

The Details

  • Who’s affected: The California Department of Education says the breach covers students enrolled in a California public school from 2023 onward. Students who left since 2006 without a confirmed transfer are also included, so some victims are now adults.
  • Timeline: ETS spotted the activity on September 25. The CDE alerted districts on October 2, and ETS began notifying families on October 16, according to Menlo Park City School District.
  • Response: ETS took the site offline and disabled the compromised account. Outside cybersecurity experts and law enforcement are investigating, and ETS reports no evidence so far that the data has been published.
  • Testing impact: ETS halted normal enrollment data processing and paused some testing work while it secures its systems.
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What The ETS Breach Exposed
Data Type What It Includes Exposed?
Basic Identity Name, birth date, home address Yes
School Records School, district, grade, state and local student IDs Yes
Demographics Gender, race or ethnicity, language, country of origin Yes
Disability Status Disability type, Section 504 status, test accommodations Yes
Program Eligibility Title I, McKinney-Vento, military-connected status Yes
Test Data State test registration, participation, results Yes
Government IDs Social Security, driver’s license, passport numbers No
Financial Data Bank account and card numbers No
Parent Information Parent or guardian personal details No
Source: California Department of Education. The College Investor.

Why It Matters

Before age 18, being added as an authorized user on a parent’s card is the only real way for a child to build credit. A credit file under a child’s name is a red flag, but most families never check for one. Fraud tied to this breach could sit unnoticed until a teen applies for a first credit card or private student loan.

The breach also gives scammers better material. A fake “breach support” email that names a real school and grade level is harder to spot. The CDE warns families not to share Social Security numbers, passwords, or financial details in response to unexpected messages, the same advice that applies to common student loan scams.

What Families Should Do

  • Enroll in free monitoring. ETS is paying for Experian IdentityWorks, with identity restoration help available for 24 months. Minors sign up through Experian’s Minor Plus product, and adults use the standard IdentityWorks product by March 19, 2027.
  • Freeze your child’s credit. Parents can request free credit freezes for children under 16 at Equifax, Experian, and TransUnion, the CDE notes.
  • Pull adult reports. Former students who are now adults can check their files for free at AnnualCreditReport.com.
  • Don’t wait for a letter. A missing notice doesn’t mean a student was unaffected, especially if the family moved. The incident call center at 833-931-8488 can confirm.

How This Connects

California already faces fraud built on stolen student identities. The state’s community college system has flagged more than one million suspicious applications, and the House passed a bill in June to screen every FAFSA for identity fraud. The ETS files lack Social Security numbers, which a FAFSA application requires for most students.

What’s Next

The CDE and State Board of Education are reviewing whether ETS met the data security terms of its state contract. A CDE spokesperson told EdSource that “we expect our contractors to uphold the highest standards.” Watch for an official student count from the state and a restart date for paused testing work. Families who later find accounts they didn’t open can follow the steps to dispute fraudulent student loans.

Editor: Colin Graves

The post Hackers Stole Data On About 7 Million California Students From Testing Vendor ETS appeared first on The College Investor.

Amazon Deal: Acer Wireless Bluetooth Earbuds for Just $9.99 (50% Off)


Acer Wireless Bluetooth Earbuds for Just $9.99

This article contains Amazon affiliate links.

Amazon has Acer Wireless Bluetooth Earbuds on sale for just $9.99, down from the typical price of $19.99. 

These wireless earbuds feature Bluetooth connectivity, stereo sound, noise-cancelling technology and a compact charging case. Other features include:

  • 8mm audio drivers for enhanced bass and stereo sound.
  • Lightweight, ergonomic design for a comfortable fit.
  • Noise-cancelling microphones for clearer phone calls.
  • Portable charging case for convenient storage and charging.
  • Compatibility with iPhone, Android devices and iPads.

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Guru’s Wrap-up

Not bad for under $10! These Acer earbuds could be a good option if you need an inexpensive backup pair for travel, the gym or everyday use.

 

Disclaimer: As an Amazon Associate I earn from qualifying purchases made through this article. Using links on the site for Amazon purchases is the best way you can support the site as you normally can’t earn cash back for these purchases. But, you should still check shopping portals such as Rakuten, TopCashback, RebatesMe, ShopBack and others for possible cashback. Your support is always greatly appreciated!

What Is Muse AI? Meta’s Personal AI Agent Explained for Physicians



Meta’s new AI agent can send the email, book the trip, and keep working after you close the app.

That is the pitch for Muse, a personal AI agent Meta announced on September 8, 2026. It runs at muse.ai and in iOS and Android apps, and you can also message it in WhatsApp.

This guide explains what Muse is, how it differs from a regular AI chat, what it can help physicians with, and what to check before trying it.


Disclaimer: While these are general suggestions, it’s important to conduct thorough research and due diligence when selecting AI tools. We do not endorse or promote any specific AI tools mentioned here. This article is for educational and informational purposes only. It is not intended to provide legal, financial, or clinical advice. Always comply with HIPAA and institutional policies. For any decisions that impact patient care or finances, consult a qualified professional.

With so much noise out there, it’s hard to know who’s actually done what you’re trying to do.

That’s why PIMDCON brings together physicians building real freedom through real estate, entrepreneurship, and smart investing.

Real physician peers sharing proven strategies.

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What Muse is

Meta describes Muse as a personal AI agent that does tasks instead of only answering questions. You tell it a goal in plain language, such as sending an email or booking travel, and it works through the steps. It runs on Muse Spark, Meta’s own model, from a cloud computer of its own called Muse Secure VM, which has a browser. Meta says it can send email, book travel, fill out forms, and work across the apps you connect.

Muse also keeps going after you close the app. Meta says it comes back when something changes or when it needs your approval, and that it remembers what matters to you well enough to make suggestions on its own. You can reach it in the Muse app, at muse.ai, or in WhatsApp, and Meta says AI glasses are coming.

Muse is free with a usage limit, and Meta’s subscriptions page lists paid plans with larger weekly allowances. Meta’s later announcement says it is available in the US and Canada, though its help pages note it is not yet available everywhere.

How it differs from a regular AI chat

A regular chat answers a question and then waits. Muse takes on a job and keeps going, which is why Meta put so much work into safety. Its research post describes the design.

Each person gets a dedicated cloud computer that holds the agent, along with the data and credentials for any service they connect. A separate program called Sentinel sits outside the agent, and nothing Muse does reaches the internet unless Sentinel approves it.

Meta also says Muse cannot see your passwords or payment methods, because credentials go into secure storage instead. Before sensitive actions, like sending an email or making a purchase, Muse checks with you. You can watch its browser and take over at any time, and an Activity log shows what it has done and which permissions you gave it.

You also control how much access it gets. For email, you choose whether Muse can only read or can also send, and Meta’s connectors page says many connectors can be set to retrieve data without taking any action.

Here are some quick bullet points:

  • Muse runs on its own dedicated cloud computer, which holds the agent and the data and credentials for connected services.
  • A separate program called Sentinel must approve anything Muse sends to the internet.
  • Meta says Muse can’t see your passwords or payment methods, because they’re kept in secure storage.
  • Muse asks before sensitive actions like sending an email or making a purchase, and you can watch its browser and take over.
  • You choose whether Muse can only read your email or also send, and many connectors can be set to retrieve only.
  • An Activity log shows what Muse has done and which permissions you gave it.

Why physicians should care

Muse is built to take over repeat admin work. The most relevant piece for physicians is Muse for Small Business, which Meta announced on September 29.

It adds connectors for tools like QuickBooks, Slack, Zoom, Notion, Canva, Shopify, and Stripe, along with Facebook and Instagram business accounts. A physician who runs a practice or a side business could use those the same way a small business owner would.

Meta’s examples show what that looks like. One sample prompt asks Muse what needs attention across email, calendar, and news, and what it can take off your plate. Meta says Muse can flag emails that need a reply and write the first drafts. Another example asks it to review the month’s financial performance and find expenses that look off, using a connected tool like QuickBooks. Muse can also analyze sales, campaigns, and social activity to draft a growth plan, or look at what is working in ads and content and draft a campaign for your approval. Beyond business tasks, Meta says it can book travel, fill out forms, and turn a long-term goal into a plan that it keeps advancing.

All of these are business and admin tasks, not clinical ones, and they come from Meta’s own launch materials, so results will vary. Meta says Muse will not publish, send, or spend without your approval.

What to check before trying it

The first point is patient information. None of the Meta Muse pages reviewed mention HIPAA or a Business Associate Agreement. Meta’s research post also says its current design restricts Meta staff access through operational policies, but does not prevent Meta from accessing data when needed to support, secure, or run the service. It adds that limited data leaves the cloud computer for inference and telemetry. A version where only the user holds the encryption key, called Muse Confidential VM, is planned for later this year. Until then, patient information should stay out, and anything regulated should go through a compliance team first.

Training and ads are the next point. Meta says conversation data can be used for training after key personal details are removed, and a setting lets you opt out. Meta says it does not share conversations or cloud-computer data with its ad systems, but it notes that what Muse does on the web, such as visiting a store’s website, can still affect the ads you see.

Mistakes are also possible. Meta’s getting started page says Muse may be inaccurate or take unexpected actions and should be monitored, and its research post calls prompt injection an open problem across the industry. Muse can also build custom connectors to other services, and Meta does not review those.


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How to start

Meta’s guidance page advises starting with low-risk tasks, choosing which connectors Muse can access, checking permission defaults, and reviewing the Activity log regularly. You can disconnect a connector at any time.

A good first task is one where the worst outcome is a bad draft.

Muse shows how quickly personal AI agents are moving from answering questions to doing tasks. For physicians, the appeal is handing off repeat admin work, and the tradeoff is giving an agent access to your accounts. Starting small and keeping patient data out is a sensible way in. And remember, always do your due diligence.

What do you think? Are you willing to try Muse out?


Download The Physician’s Starter Guide to AI – a free, easy-to-digest resource that walks you through smart ways to integrate tools like ChatGPT into your professional and personal life. Whether you’re AI-curious or already experimenting, this guide will save you time, stress, and maybe even a little sanity.

Want more tips to sharpen your AI skills? Subscribe to our newsletter for exclusive insights and practical advice. You’ll also get access to our free AI resource page, packed with AI tools and tutorials to help you have more in life outside of medicine. Let’s make life easier, one prompt at a time. Make it happen!


Disclaimer: This article is for general informational and educational purposes only. It does not constitute medical, legal, compliance, or professional advice. The information provided here is based on available public data and may not be entirely accurate or up-to-date. It’s recommended to contact the respective companies/individuals for detailed information on features, pricing, and availability. All screenshots, if any, are used under the principles of fair use for editorial, educational, or commentary purposes. All trademarks and copyrights belong to their respective owners.

If you want more content like this, make sure you subscribe to our newsletter to get updates on the latest trends for AI, tech, and so much more.

Further Reading



PG&E’s CEO says AI is ‘the best thing that could’ve ever happened to the grid’



  • In today’s CEO Daily: The CEO of a once-hated utility is looking to AI to fix the grid.
  • The big leadership story: The Ford Foundation’s new focus.
  • The markets: Up in Asia, down in Europe after at tech selloff on Thursday.
  • Plus: All the news and watercooler chat from Fortune.

Good morning. Patti Poppe knows about navigating pressure. As CEO of Pacific Gas and Electric Company (PG&E), she has one of the toughest leadership roles in business. When she took the job in January 2021, becoming the first woman to transition directly from one Fortune 500 company (CMS Energy) to another, she was handed a convicted corporate felon emerging from bankruptcy after its equipment had caused deadly wildfires, including the 2018 Camp Fire in Paradise for which it had pleaded guilty to 84 counts of involuntary manslaughter. Just as Poppe was building public trust with a laser-sharp focus on culture and safety, along came an AI boom, new regulations, and mandated grid investments that put rates back in the spotlight.

In the latest Fortune CEO Source segment, which you can watch in the second half of our Fortune Daily show, Poppe talks about what is working in this climate. To start, she welcomes having tech companies like Google step up to co-invest in energy infrastructure. “I think AI is the best thing that could’ve ever happened to the grid,” Poppe told me, noting that California has added 33 gigawatts of renewables and storage in the past five years, enough to power around 25 million homes, with 22 more gigawatts to be added by 2030. “The grid needs investment; AI and that whole revenue stream brings investment to the grid. AI equals growth and prosperity.”

What fuels Poppe’s enthusiasm is the potential for new technologies and energy sources to truly transform the grid. She is “pro, pro, pro” when it comes to deploying nuclear energy and, in a world that’s shying away from ESG, she’s vocal that “climate change has to be addressed.”

Still, when it comes to winning back friends and favor for a company that was once among the most hated in America, Poppe faces a long road. At $12.98 a share, PG&E stock is down a third from its 52-week high. The main reason is beyond her control: state lawmakers rejected Gov. Gavin Newsom’s push for new wildfire legislation that would prevent insurers from suing utilities over wildfire claims to keep rates in check. Meanwhile, San Francisco is trying to take over PG&E’s local distribution grid to lower rates, saying it would cost the city $3.4 billion. (On Wednesday, PG&E said the city’s plan would actually cost $22.5 billion.) And yesterday the utility released third-quarter earnings that missed Wall Street forecasts, earning $776 million on $6.18 billion in revenue.

Poppe reaffirmed profit targets and appeared open to the idea of breaking the company apart to isolate wildfire exposure while keeping costs down, saying “the status quo is not acceptable.” Her north star is to make PG&E the country’s safest and cleanest utility, and she counts herself lucky to have the opportunity. “I was born a girl in a little small town in Michigan, and by hard work and some luck, ended up in this chair,” she told me. “Do what you love, love who you do it with, and love who you do it for.”

She feels supported in her efforts to boost California’s grid. What’s unclear is the price her company will pay if anything goes wrong.

Contact CEO Daily via Diane Brady at diane.brady@fortune.com

This story was originally featured on Fortune.com

Manufactured Home Financing: Understanding Fannie Mae And Freddie Mac Requirements


Financing a manufactured home requires more than finding a lender that offers the program. The property must also satisfy specific eligibility requirements, and those requirements differ slightly between Fannie Mae and Freddie Mac. We work with both agencies. This allows us to review the complete loan scenario and determine which agency offers the better path forward based on the borrower, property, and transaction.

Fannie Mae Manufactured Home Requirements

Under Fannie Mae guidelines, an eligible manufactured home must:

  • Be at least 12 feet wide
  • Contain at least 400 square feet of gross living area
  • Have the axles, wheels, tires, and towing hitch removed
  • Be permanently attached to the property
  • Be located on land owned in fee simple

Freddie Mac Manufactured Home Requirements

Freddie Mac has similar requirements, but its minimum living-area standard is higher. The difference between 400 and 600 square feet may appear minor, but it can determine whether a particular manufactured home is eligible through one agency and not the other. An eligible manufactured home must:

  • Be at least 12 feet wide
  • Contain at least 600 square feet of gross living area
  • Have the axles, wheels, tires, and towing hitch removed
  • Be permanently attached to the property
  • Be located on land owned in fee simple

We Work With Both Fannie Mae and Freddie Mac

Not every mortgage company takes the time to compare agency guidelines and determine the best way to structure a transaction. Structuring loans is one of the things we do best. Because we work with both Fannie Mae and Freddie Mac, we can examine the differences between their guidelines instead of attempting to force every borrower and property into the same program. A manufactured home that fails to satisfy one agency’s requirements may still have a viable path through the other.

When an Agency Loan Is Not the Answer

Some borrowers or properties will not qualify under either Fannie Mae or Freddie Mac guidelines. That does not necessarily mean financing is unavailable. We are one of the nation’s leading mortgage brokers specializing in non-QM financing. Our access to alternative loan programs allows us to evaluate scenarios involving self-employed borrowers, nontraditional income documentation, credit challenges, investment properties, and properties that may not fit standard agency requirements.

If you are purchasing or refinancing a manufactured home, contact us.

 

Everyone’s Arguing About AGI Taking Over — Here’s What Matters


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • Nvidia CEO Jensen Huang declared that “AGI has arrived” after OpenAI’s GPT-6 Astra launch, but OpenAI itself never made that claim, and researchers call the term “jagged” rather than general.
  • Astra and Claude Fable 5.1 post near identical scores on several benchmarks, yet produce noticeably different real world output. The gap traces back to the “harness” wrapped around the model, not the model itself.
  • SpaceX’s $60 billion acquisition of Cursor shows where the real competitive fight is moving. It’s not the raw model anymore. It’s who controls the layer around it.

AGI, artificial general intelligence, means a system that can match or beat human performance across essentially any cognitive task, not just the narrow ones it was trained for. That distinction matters because it’s exactly what’s being argued about right now.

Jensen Huang has a habit of declaring victory at the exact moment his company needs the market to believe it. So when OpenAI shipped GPT-6 Astra on Sept. 3, Huang posted on X that “AGI has arrived,” adding that “400K GPUs” are “coming online next.”

I’m an AI engineer, and I’m currently building ChatMakr, an AI-powered platform that creates multi-agent chatbots in seconds. I spent the last year watching every model release get relabeled as the one that finally changes everything. Here is the truth.

What Astra actually does

Astra isn’t a chatbot upgrade. OpenAI positions it as an operator — a system that browses, codes, runs multi-step workflows, models in Blender and handles cybersecurity tasks with minimal supervision. The benchmark numbers are genuinely striking: 97.6% on FrontierMath Tier 4, 99.9% on ARC-AGI-3, and a perfect 100% on ExploitBench, up from 78.5% for its predecessor, GPT-5.6 Sol. Those are not incremental gains.

But OpenAI itself, notably, stopped short of calling Astra AGI, choosing instead to emphasize “speed and versatility.” That restraint from the company that built the model is the tell.

Why people aren’t convinced

The pushback isn’t really about whether Astra is impressive. It clearly is. It’s about the word AGI itself. Wharton professor Ethan Mollick has argued for months that what we’re seeing is “jagged AGI:” systems that are superhuman in some narrow domains and unreliable in others, which is a very different thing from general intelligence.

There’s still no agreed upon test for AGI, so declaring it “arrived” is closer to a subjective judgment call than a measurement. Augmented Mind and Manolo Remiddi put it plainly: “AGI is the point where you can trust the output without checking. We are not there.”

The Fable 5.1 comparison and why scores lie

This is where it gets interesting for anyone actually building with these models. On paper, Astra and Anthropic’s Claude Fable 5.1 look neck and neck on several coding and reasoning benchmarks. In practice, engineers report meaningfully different output quality. Fable tends to produce more production-ready code with fewer output tokens, while Astra’s strength shows up more in computer use and multi-step automation. Snorkel AI’s testing revealed that Fable fails through a fundamentally different pattern than how it succeeds, losing valid work mid-trajectory rather than running out of budget, which matters far more to a shipping team than a leaderboard percentage.

The reason similar scores can hide such different outputs comes down to something most people outside AI engineering have never heard of: the harness.

What a “harness” actually is

A harness is the infrastructure wrapped around a model: the prompt assembly, tool access, memory management and error recovery that determine how the raw model is actually put to work. As MindStudio describes it: “A model is the engine. The harness is the car. Most benchmarks test the car.” Swap the harness and the same model produces wildly different results. Cursor’s own research found one model scoring 46% accuracy with one harness and 80% with another, with no model change at all.

Astra’s own benchmark history makes the point better than any explainer could. On ARC-AGI-3, Astra scored 62.7% using a standard harness, essentially tied with its predecessor, and 99.9% using a “Provider Adapter” harness that let it retain and reuse prior reasoning instead of restarting cold on every step, according to Augmented Mind and Manolo Remiddi. Same weights. Same model. A 37 point swing from infrastructure alone. That’s not a small footnote. It means a huge share of what gets reported as “model improvement” is actually harness improvement, and leaderboards that don’t control for it are telling a story, not reporting a fact.

Why Cursor just became the most important acquisition of the year

This is exactly why SpaceX’s $60 billion acquisition of Cursor matters more than it looks. Cursor isn’t a model company. It’s one of the best harness companies in the world, the layer that decides how coding models actually get used. Folding it into SpaceX’s GPU fleet is a bet that owning the layer is as valuable as owning the model, maybe more. OpenAI has already cut Cursor’s access to its models over trust concerns tied to Musk’s companies, which tells you the model providers see the same thing: Whoever controls the harness controls the product experience, regardless of which model sits underneath it.

The bottom line

Nobody serious disputes that GPT-6 Astra is a major model. What’s contested is the leap from “major model” to “AGI has arrived.” If you’re evaluating these systems for your own business, ignore the AGI framing entirely. Look at the harness a vendor wraps around the model, ask how it fails, and test it on your actual workflow. The benchmark gap between Astra and Fable 5.1 already proved the leaderboard alone won’t tell you.

Key Takeaways

  • Nvidia CEO Jensen Huang declared that “AGI has arrived” after OpenAI’s GPT-6 Astra launch, but OpenAI itself never made that claim, and researchers call the term “jagged” rather than general.
  • Astra and Claude Fable 5.1 post near identical scores on several benchmarks, yet produce noticeably different real world output. The gap traces back to the “harness” wrapped around the model, not the model itself.
  • SpaceX’s $60 billion acquisition of Cursor shows where the real competitive fight is moving. It’s not the raw model anymore. It’s who controls the layer around it.

AGI, artificial general intelligence, means a system that can match or beat human performance across essentially any cognitive task, not just the narrow ones it was trained for. That distinction matters because it’s exactly what’s being argued about right now.

Jensen Huang has a habit of declaring victory at the exact moment his company needs the market to believe it. So when OpenAI shipped GPT-6 Astra on Sept. 3, Huang posted on X that “AGI has arrived,” adding that “400K GPUs” are “coming online next.”

I’m an AI engineer, and I’m currently building ChatMakr, an AI-powered platform that creates multi-agent chatbots in seconds. I spent the last year watching every model release get relabeled as the one that finally changes everything. Here is the truth.

Schwab $250-$1,000 Checking Bonus – Doctor Of Credit


Offer at a glance

  • Maximum bonus amount: $1,000
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The Offer

Direct link to offer 

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Some additional details:

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The Fine Print

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  • Qualifying net “new-to-Schwab” funds means assets not currently held at Charles Schwab Corporation and/or any of its affiliates and transferred from an external financial institution. Existing Schwab assets, transfers between Schwab accounts, and funds currently held in any Schwab account do not qualify toward the funding requirement. Qualifying deposits may be made through one or more transactions. Only qualifying net “new-to-Schwab” funds received during the promotion period will count toward the funding requirements. Qualifying net “new-to-Schwab” deposits must be posted to the Investor Checking account by November 10, 2026.
  • Maintain the qualifying net “new-to-Schwab” balance every day from November 10, 2026 through and including December 25, 2026 in the Investor Checking account to remain eligible for the bonus. Withdrawals or transfers that cause the net “new-to-Schwab” balances to fall into a lower balance tier for even one day during this timeframe will change your maximum bonus. For example, if the net “new-to-Schwab” balance is $100,000 on November 11, the maximum bonus you could earn is $1,000. If the net “new-to-Schwab” balance is $75,000 on December 1, however the maximum bonus you can earn changes to $500.
  • If all offer requirements are met, the cash bonus will be deposited into the Investor Checking Account within one to two statement cycles. The Investor Checking account must remain open and in good standing at the time the bonus is credited. Note: An account in good standing must not be restricted nor carry a negative balance. Limit one cash bonus per client, regardless of the number of eligible Investor Checking accounts opened. The primary owner of the Investor Checking account is the individual qualifying for and receiving the bonus. Offer and account opening subject to bank approval.
  • Charles Schwab Bank may issue an IRS Form 1099 to you that reflects the value of such bonus. Please consult your tax advisor about the appropriate tax treatment for this offer and any tax implications associated with receipt before applying.

Avoiding Fees

The checking account and brokerage account both have no fees to worry about. And no early termination fee is mentioned either.

Our Verdict

The bonus itself is good. Biggest thing to keep in mind is that the money needs to sit in the Schwab checking account which basically earns zero interest (.01%). Here is some math:

  • Assuming the funds are tied up for 60 days, it’s around 6.25% APY return which is better than the regular rates out there, but only by a couple extra percent.
  • If the funds are tied up for 50 days, the yield ends up around 7.5% APY. (Technically, you can wire the funds in on November 10th and wire out after the weekend on December 28th. The wiring out is feasible, but I’d recommend wiring earlier in case there is some issue with the transfer going through.)

Historically, we haven’t seen much in the way of checking bonuses from Schwab. The Schwab checking account gets a lot of attention for their full ATM reimbursements, even international ATM withdrawals.

Overall, I’d say the bonus isn’t a home run, but something to consider, especially if you would want to keep the Schwab checking account open long term for the ATM benefit. We’ll add this to our list of Best Bank Bonuses. 

There’s also a separate, non-stackable, brokerage bonus from Schwab of up to $1,000.

Thanks to all those who sent this in

Day 47: Choosing The Right Crypto Broker Matters 📊



Day 47: Choosing The Right Crypto Broker Matters 📊

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