Bank of Canada survey shows housing costs and job security now outweigh tariff fears, as Ottawa shifts focus back to domestic pressures
Most physicians don’t have a knowledge problem. They have a time and repetition problem.
You’re rewriting similar emails, summarizing the same information, planning similar projects over and over, every week. It adds up quietly. Ten minutes here. Twenty there. By Friday, you’ve lost hours to tasks that were barely different from the ones you did last Monday.
AI gets pitched as something revolutionary. Maybe it is, eventually. But honestly, the useful version right now is more boring than that. It removes repetition. Build one prompt that works, reuse it for similar tasks, stop starting from scratch. That’s the actual time savings.
This article is about that one prompt.
Most people use AI like a search bar. New request every time, new result, move on. That works fine. It’s just slow, and it means you’re doing the thinking every single time instead of building anything reusable.
A better approach is to create one structured prompt that tells AI three things: who it should act as, what it should do, and what the output should look like. Once you have that, you’re not figuring out how to phrase a question anymore. You’re swapping in a new task and running it.
The structure:
Act as → Task → Format
Short, yes. But it forces clarity in a way that open-ended prompts don’t.
Here’s what it looks like in practice:
Act as a [role].
Your task is to [specific task].
Use the following context if helpful: [insert context]
Show the output as: [clear format]
A few notes on why each part matters.
Role changes the lens. “Act as a physician” and “act as a consultant” will give you different tones and different assumptions about what you already know. It’s a small thing that matters more than you’d expect.
Task clarity is everything. Vague prompts produce vague output. “Help me with this” tells AI nothing. “Summarize this article into 5 key takeaways for a busy physician who needs to decide whether to read the full paper” tells it exactly what you need. There’s a real difference in what comes back.
Context is optional but worth adding. Even one sentence about your audience or your constraints changes the output significantly. Don’t skip it when you have it.
Format is the most commonly forgotten piece. AI doesn’t know whether you want bullet points or paragraphs, an email or an outline. Tell it. You’ll spend less time reformatting the result.
Same structure, different tasks.
Writing. When you’re staring at a blank page, or rewriting a version of something you’ve already written a dozen times, this is where the template earns its keep. Tell it to act as a content writer for physicians, give it the audience and the goal, and ask for a short email with a clear call to action. You’ll have a draft in 30 seconds. Something you can actually edit, rather than build from nothing.
That matters more than it sounds. Starting is the hardest part for most people. A rough draft that needs fixing is infinitely easier to work with than a blank page.
Planning. When you have a project idea in your head and need it turned into steps, the template works well here too. Act as a productivity coach, describe your constraints, ask for a step-by-step weekly plan. It’s useful for getting scattered thoughts into a workable structure without spending an hour thinking out loud to yourself.
For physicians specifically, this tends to show up in things like planning a side project, preparing for a speaking engagement, or working through the early steps of a real estate deal or business idea. These aren’t complicated to plan. They just take mental bandwidth you often don’t have at the end of a clinical day.
Research. When you need to know what an article or topic actually says without reading every word of it. Act as a medical research assistant, paste in the topic or article, ask for five practical takeaways. This isn’t a substitute for deep reading when that genuinely matters. But it’s useful for staying informed without drowning in it.
The honest version of this use case is: there’s more worth reading than there is time to read it. A quick summary that tells you whether something deserves more of your attention is a reasonable filtering tool.
You could just type whatever comes to mind and get decent results. AI has gotten good enough that freeform prompts often work.
But the reason the structure helps isn’t because AI needs it. It’s because it forces you to be specific about what you actually want before you ask. That clarity shows up in the output.
Most of the time when AI gives a mediocre result, the prompt was vague. Not because the person using it wasn’t smart, but because the format let them be vague. A structure with clear fields, role, task, format, doesn’t let you skip those questions.
It also makes the habit stick. If you’re building a new mental model every time you use a tool, you won’t use it consistently. A repeatable structure is what turns a useful experiment into an actual workflow.
Unlock the Full Power of ChatGPT With This Copy-and-Paste Prompt Formula!
Download the Complete ChatGPT Cheat Sheet! Your go-to guide to writing better, faster prompts in seconds. Whether you’re crafting emails, social posts, or presentations, just follow the formula to get results instantly.
Save time. Get clarity. Create smarter.
Save the template somewhere you’ll find it. Somewhere obvious. Use it when something comes up that fits: writing, planning, research. Swap in the task, add a sentence of context, run it. That’s the whole system.
It doesn’t require committing to a new tool or climbing a learning curve every week. It just requires using the same structure consistently enough that it becomes automatic.
The physicians who get real time savings from AI aren’t using 15 different tools. They’ve got a few reliable methods that they actually use, repeatedly, on the kinds of tasks that keep coming back.
This is one of them.
Consumer AI tools aren’t built for patient data. Don’t paste in clinical notes, don’t enter patient identifiers, don’t share anything protected.
Keep use cases in the range of general workflows, business writing, education, and non-clinical tasks. If you’re unsure whether something is sensitive, the default is simple: don’t enter it.
That constraint is actually pretty easy to work within. The time savings are real even when you stay entirely outside clinical data.
Have you tried building a reusable prompt for anything in your workflow? Curious what’s actually saved you time and what hasn’t.
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!
The Schwab Emerging Markets Equity ETF (NYSEMKT:SCHE) stands out for its ultra-low cost, higher yield, and deep emerging markets roster, while State Street SPDR MSCI ACWI Climate Paris Aligned ETF (NASDAQ:NZAC) brings a global scope, ESG focus, and a pronounced technology lean.
SCHE and NZAC both track broad equity markets, but with different mandates: SCHE targets emerging economies, while NZAC covers developed and emerging markets with an added climate-focused ESG screen. This comparison looks at cost, performance, risk, portfolio makeup, and practical quirks to help investors weigh which may fit their goals.
| Metric | SCHE | NZAC |
|---|---|---|
| Issuer | Schwab | SPDR |
| Expense ratio | 0.07% | 0.12% |
| 1-yr return (as of 2026-04-22) | 32.5% | 30.4% |
| Dividend yield | 2.7% | 1.8% |
| Beta | 0.58 | 0.95 |
| AUM | $12.4 billion | $186.5 million |
Beta measures price volatility relative to the S&P 500; beta is calculated from five-year monthly returns. The 1-yr return represents total return over the trailing 12 months.
SCHE is more affordable on fees and offers a higher payout, with a 0.07% expense ratio and 2.7% yield versus NZAC’s 0.12% expense and 1.8% yield.
| Metric | SCHE | NZAC |
|---|---|---|
| Max drawdown (5 y) | -35.73% | -27.65% |
| Growth of $1,000 over 5 years | $1,325 | $1,305 |
NZAC tracks a global index that applies a climate-focused ESG screen, aiming to reduce carbon exposure while increasing sustainability alignment. The fund holds 672 stocks spanning both developed and emerging markets, with a strong tilt to technology (30%) and notable allocations to cash and financials. Top holdings include Nvidia Corp (NVDA 1.41%), Apple Inc (AAPL +0.15%), and Microsoft Corp (MSFT 3.90%). The fund has been available for 11.4 years, offering relatively seasoned exposure for ESG-minded investors.
In contrast, SCHE focuses strictly on emerging markets, holding over 2,200 stocks with sector weights led by technology (27%), financial services (22%), and consumer cyclicals (11%). Its largest positions are Taiwan Semiconductor Manufacturing (2330.TW), Tencent Holdings Ltd (0700.HK), and Alibaba Group Holding Ltd (9988.HK). SCHE does not use an ESG screen or other notable portfolio quirks.
These two funds both claim broad equity exposure, but they’re doing different jobs. SCHE is a pure emerging markets play — over 2,200 stocks, dirt-cheap at 0.07%, and a 2.7% yield that’s genuinely competitive. If you want low-cost access to economies like Taiwan, China, and South Korea, it’s hard to beat on price. NZAC is a different animal. It’s global — developed plus emerging — but it runs a climate screen that meaningfully reshapes the portfolio. The result is a fund that looks a lot like a tech-tilted developed market fund: Nvidia, Apple, and Microsoft as top holdings, 30% in technology, and a 0.12% expense ratio for the privilege. The ESG overlay is doing real work here, not just marketing. The practical question is what you’re actually solving for. SCHE gives you emerging market concentration with maximum cost efficiency. NZAC gives you global diversification with a climate tilt — but at that portfolio composition, investors should go in knowing it behaves more like a U.S.-heavy growth fund than a truly global one. Neither is wrong. They’re just answering different questions.
For more guidance on ETF investing, check out the full guide at this link.
Fashion Business Management at CCS is a three-year, 90-credit Bachelor of Arts degree that blends business strategy, marketing, brand development and trend forecasting within a creative art and design environment. Aki Choklat, Chair of Fashion Business Management and Fashion Design, along with faculty member Monika Sinclair, share insights into the curriculum, industry partnerships and the career paths students are prepared for after graduation.
Learn more:
source
American Airlines, in partnership with the Transportation Security Administration (TSA), today announced TSA PreCheck® Touchless ID is available at all of American’s hub airports, giving eligible AAdvantage members a more streamlined, touchless experience at TSA security checkpoints.
Customers traveling through Charlotte (CLT), Chicago (ORD), Dallas-Fort Worth (DFW), Los Angeles (LAX), Miami (MIA), New York (JFK and LGA), Philadelphia (PHL), Phoenix (PHX) and Washington, D.C. (DCA), can verify their identity using secure facial-matching technology without presenting a physical ID or boarding pass. In addition to American’s hubs, the program is available at over 60 U.S. airports.
TSA PreCheck® Touchless ID uses advanced technology to compare a customer’s live image to photos they previously provided to the U.S. government, such as those in a passport, Global Entry or a visa. Once the identity is confirmed, customers can move through security more quickly and access an expedited checkpoint lane.
Participation in TSA PreCheck® Touchless ID is voluntary, and TSA manages all biometric data. Eligible AAdvantage members who choose to participate can expect:
To opt in to TSA PreCheck® Touchless ID with American, customers can:
A federal judge has approved a $425 million class action settlement with Capital One over allegations that the bank paid low interest rates to older 360 Savings account holders while offering a nearly identical product (360 Performance Savings) at substantially higher rates.
U.S. District Judge David J. Novak signed the final approval order on April 20, 2026 (PDF File), clearing the way for payments to go out to millions of eligible customers. Capital One denies any wrongdoing.
Compare the best high-yield savings accounts today here >>
The Big Picture: The case covers anyone who held a Capital One 360 Savings account anytime between September 18, 2019, and June 16, 2025, including joint and co-holders. Class members don’t need to file a claim. Payments are going out automatically based on account records.
Capital One launched 360 Performance Savings in 2019 with rates that eventually climbed well above what existing 360 Savings customers earned. The lawsuit argued that the bank never clearly told its existing savers that a higher-yielding alternative was available under a similar name.
The CFPB previously alleged the same conduct cost consumers more than $2 billion in lost interest, with the 360 Savings rate frozen at 0.30% from late 2019 into mid-2024 even as market rates surged.
How Much Will You Get? Your payout is based on how much additional interest you would have earned if your 360 Savings balance had been paid at the 360 Performance Savings rate during the class period. The $425 million fund is reduced first by legal fees and administrative costs, then divided among eligible account holders.
When Are Payments Going Out? Assuming no appeal delays the process, payments are expected on or about July 21, 2026, according to the settlement website. The court also ordered that any objector who appeals must post a $25,000 bond — a move that makes appeals costlier and reduces the risk of a prolonged delay.
Here’s how you’ll get paid:
If any money is left in the fund after class payments are complete, the court ordered that residual funds go to Feed More, Inc., a Richmond, Virginia food bank.
How This Connects: The approval closes out one of the largest consumer banking settlements in recent years.
For savers, the takeaway is the same one The College Investor has flagged repeatedly in our coverage of high-yield savings accounts: banks routinely launch new savings products at higher rates while leaving legacy account holders behind.
Check the rate on your savings account against current online savings benchmarks and if it’s significantly below what the same bank is advertising to new customers, that’s a signal to move your money.
Don’t Miss These Other Stories:
Editor: Colin Graves
The post Judge Approves $425M Capital One 360 Savings Settlement — Payments Expected July appeared first on The College Investor.
New York City Mayor Zohran Mamdani marked tax day by making good on one of his most prominent campaign promises, and he did it while outside hedge fund billionaire Ken Griffin’s front door—and the Citadel CEO worth over $51 billion did not like it one bit.
In a video posted on Tax Day by the NYC Mayor’s Office, Mamdani announced the city’s first-ever pied-à-terre tax: an annual fee on luxury properties valued above $5 million whose owners do not live in New York full-time. The video, which has already drawn nearly 470,000 views and 48,000 likes, was shot outside 220 Central Park South, the building where Griffin owns a four-floor penthouse he purchased in 2019 for $238 million, then the highest price ever paid for a home in the United States.
“When I ran for mayor, I said I was going to tax the rich,” Mamdani said in the one-minute clip. “Well, today we’re taxing the rich.”
But a week later, Griffin’s COO at Citadel, Gerald Beeson, hinted the company might not move forward with a massive undertaking in a Midtown construction project.
“We are about to commence the redevelopment of 350 Park Avenue, creating 6,000 highly paid construction jobs and supporting the creation of more than 15,000 permanent jobs in mid-town New York,” wrote Beeson in a letter viewed by the Wall Street Journal. “The project—if we move forward—will entail more than $6 billion dollars of spending.”
Later in the letter, Beeson called out the mayor personally, for personally calling out Griffin. “It is shameful that he used Ken’s name as the example of those who supposedly aren’t carrying their fair share of the burdens associated with New York City’s often costly and wasteful spending,” the email said, according to the Journal. “In doing so, the mayor has once again manifested the ignorance and disdain of the elite political class towards those who have been consistently committed to building one of the greatest cities in the world.”
“We have nearly 2,500 colleagues who have chosen to build their careers here,” Beeson wrote in the letter, the Journal reported. “We understand that our hard work and success will, on occasion, make us targets for political rhetoric. But it should not diminish the pride we take in building firms that will continue to help New York City thrive for decades ahead.”
The pied-à-terre tax, which is backed by Gov. Kathy Hochul and still requires approval from the state legislature, would apply to one-to-three-family homes, condominiums, and co-ops worth over $5 million when the owner’s primary residence is outside New York City. Mamdani’s office estimates the tax would generate at least $500 million annually, with revenue directed toward free childcare, street cleaning, and neighborhood safety.
Griffin relocated Citadel’s headquarters from Chicago to Miami in 2022, drawn by Florida’s lack of a personal income tax. He shares the move with Jeff Bezos, Mark Zuckerberg, and Google cofounders Larry Page and Sergey Brin, all of whom recently left high-tax states and now maintain Florida residences. Griffin also recently paid $38 million for a duplex apartment up the block from where Mamdani shot the video, according to the Wall Street Journal.
Mamdani said the tax would fix “a fundamentally unfair system.” “These units are sitting empty,” he said. “And even so, they’re able to reap the huge financial rewards of owning property in, dare I say, the greatest city in the world.”
The pied-à-terre tax has circulated in New York policy circles for years but has repeatedly stalled in Albany. Mamdani recently pushed a wealth tax in New York but said the city would be forced to instead increase property taxes if the tax didn’t get state approval. Neither Griffin nor the mayor’s office responded to Fortune’s request for comment.
In a post on X a few days after the video was published, billionaire Pershing Square CEO Bill Ackman backed Griffin and Citadel in the public back and forth.
“Non-residents who spend millions of dollars on NYC apartments help drive NYC’s economy,” wrote Ackman. “The Ken Griffins of the world make NYC high end development viable, driving high-paying construction, brokerage, legal, marketing, and other jobs in NYC. We should be applauding Ken for spending $238 million in NYC, not attacking him for doing so.”
A version of this story was published on Fortune.com on April 16, 2026.
As mortgage lending continues to evolve, appraisal options have become more flexible, helping streamline transactions without compromising accuracy. One option gaining traction is the Hybrid Appraisal. If you’re exploring financing options, it’s important to understand what a hybrid appraisal is, when it’s allowed, and how it works.
What Is a Hybrid Appraisal?
A Hybrid Appraisal is a modern valuation method that combines traditional appraisal oversight with third-party property data collection. Unlike a full interior appraisal completed by a single appraiser, a hybrid appraisal splits the process into two distinct components and requires specific appraisal forms.
To qualify, the appraisal must be ordered using Form 1004 Hybrid (for single-family homes) or Form 1073 Hybrid (for condominiums).
The Two Components of a Hybrid Appraisal
A Hybrid Appraisal consists of:
One important distinction is that the same individual does not need to complete both components.
Who Can Perform the Interior Data Collection?
The interior data collection may be completed by one of the following approved individuals:
The appraiser then uses this collected data, along with market analysis and the exterior inspection, to complete the final appraisal report.
Eligible Property Types
Hybrid appraisals are limited to specific property types. They are acceptable for:
The following property types are not eligible:
Eligible Transaction Types
Hybrid appraisals may be used for a wide range of loan purposes, including:
Additionally, all occupancy types are permitted, including:
When Else Might a Hybrid Appraisal Be Required?
In certain situations, a lender may obtain a hybrid appraisal after loan submission. This can occur if a loan initially loses Value Acceptance and Property Data eligibility after the property data is submitted via the Property Data API. In those cases, a hybrid appraisal helps bridge the gap and keep the loan moving forward.
Why Hybrid Appraisals
Hybrid appraisals can offer several benefits, including:
We stay ahead of appraisal and underwriting guidelines to ensure our borrowers have access to the most efficient and compliant loan options available.
Have Questions About Appraisals or Loan Eligibility?
Contact us to learn how hybrid appraisals may fit into your home financing strategy.
OpenAI on Thursday released its newest AI model, GPT-5.5, to its paid subscribers.
The release, coming just six weeks after the company debuted GPT-5.4, is an extremely fast turnaround that underscores how fiercely frontier AI labs are competing for enterprise customers, and how their models are increasingly evolving through continuous, incremental updates.
The company also said there are 4 million active Codex users and 9 million paying business users on ChatGPT. ChatGPT also has more than 900 million weekly active users and over 50 million subscribers. It no doubt hopes those figures will undercut a narrative that has been building across social media that OpenAI has lost traction among consumers and has fallen behind its arch-rival Anthropic in the race for enterprise customers.
OpenAI president Greg Brockman called the new model a “new class of intelligence” and “a big step towards more agentic and intuitive computing” during a press briefing. He acknowledged that “there are enough model releases that it’s probably getting hard to distinguish one from another,” but said GPT-5.5 can do more with less guidance and is “way more intuitive to use—it can look at an unclear problem and figure out what needs to happen next.”
Those capabilities, he added, “feel like they’re setting the foundation for how we’re going to do computer work going forward, or how agent computing at scale will work,” particularly in areas like scientific research that are “very intelligence bottlenecked.” He pointed to an example of a math professor who used GPT-5.5 and Codex to build an algebraic geometry app from a single prompt in 11 minutes.
Brockman also emphasized efficiency gains. “It’s a faster, sharper thinker for fewer tokens compared to something like 5.4,” he said, adding that this means “more frontier AI available for businesses and for consumers.” Tokens are the basic units of data that large language models process and the basis on which AI companies charge many business customers. In text, a token is about equivalent to a word and a half.
The Bank of New York has been testing GPT-5.5 in recent weeks, alongside early access to models from rivals like Anthropic. CIO Leigh-Ann Russell said the improvements are meaningful.
“What we’re actually seeing from 5.5, that I think is really important for a highly regulated institution, is the response quality—but also a really impressive hallucination resistance,” she said. “A bank needs to have very high accuracy, so this becomes critical, and we are seeing a step change with this model.”
Anything in the bank that has better accuracy will help with scaling the company’s over 220 AI use cases, she added. “We see resiliency as being commercial. So the more quickly we can just establish that accuracy, the faster we can scale our models to have completely redesigned financial services.”
Update 4/22/26: Deal is now $125 until 7/15/2026. DrDeals
Update 8/23/21: Deal is back and valid until 10/18/2021. Hat tip BBK
Offer at a glance
Direct link to offer
This account has a $4.95 monthly fee.
You lose the bonus if you close the account within six months of account opening.
Chase launched secured checking in early 2019. Better to wait for the $600 bonus to return. We won’t add this to our list of the best bank account bonuses.
Useful posts regarding bank bonuses:
