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New U.S. Mint Silver Coin Deal Thursday (7/21), $1,696 In Credit Card Spend & $100+ Total Profit (Limit 10)


There is another profitable U.S. Mint coin deal coming up on Tuesday July 21st at 12PM ET

Cost is $169 per set, but you can purchase 10 and comes with $5.95 shipping  I’d recommend locking in a price ahead of time to lock in your profit and avoid any risk (keep in mind there always seems to be a bit of astroturfing in the comments for different purchasers). This coin is more expensive so I would definitely recommend locking in a price before purchasing. Most places haven’t listed what they are paying yet but at minimum you should make $100+ profit for 10. 

F.A.Q’s

What is the best credit card to use?

You can see what credit cards code as a cash advance and the best cards to use in this dedicated post. 

Why don’t you list places that are buying these coin sets and for how much?

Many years ago a coin set was available for purchase, many people committed to purchasing the deal for that buyer and then backed out when the coin was worth more than the commitment price they had agreed to. I thought reader should hold up their side of their deal so no longer recommend specific places to sell anymore.

Additionally this is similar to buying groups and there is always a chance of the buyer running away with your coins, I don’t want to be responsible for making a Recommendation if this happens. Do your own research. 

Cap-gains lock-in effect creeps inland: watch SD, WV listings


Home prices have soared over the past few years, which has incidentally constrained inventory due to a tax limit set in the 1990s. 

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At least 10% of homeowners in seven states pay capital gains taxes, which can be as high as 20%, on the profits they make from the sale of their home, according to a new report from Cotality. In 2025, 8.1% of existing homes sales nationally saw capital gains exceed $500,000, and were thus subjected to the tax, up from 2.1% in 2019.

“Homeownership continues to be a cornerstone of wealth-building, yet stagnant capital gains thresholds are increasingly influencing how – and when – homeowners can access those gains,” said Archana Pradhan, principal economist at Cotality.

Home values have increased 147% over the last 15 years, pushing more homeowners above the capital gains tax exemption threshold of $250,000 for single filers and $500,000 for married couples. A quarter of California homeowners pay capital gains taxes, followed by Hawaii at 21% and Washington at 19%, the report found.

California has some of the lowest affordability in the country, and Hawaii has a median home price of $735,000, compared to the national average of $417,450. Nearly 20% of homeowners in Washington pay capital gains taxes, yet the typical home sells for nearly $100,000 less than in California and Hawaii, suggesting home prices have made significant strides in a short period, according to the report.

Pressure remains in states where capital gains on home sales are still rare. South Dakota saw the number of homeowners paying capital gain taxes double in two years, while West Vriginia moved up four spots in the rankings, as the trend is spreading beyond the coast, the report found. 

The consequence of this is a growing number of homeowners who are wealthy on paper but constrained in practice, creating a lock-in effect, Cotality said. Rather than relocate, downsize or time their retirement as planned, many homeowners are staying put, which limits inventory for buyers and distorts mobility patterns across the market.

What is being done?

The home sale tax exclusion has not been updated since 1997, prompting discussions among industry experts and advocates. The More Homes on the Market Act was introduced in the House of Representatives last February as a result. Under the bill, the tax exemption thresholds will double for single filers and married couples to $500,000 and $1 million, respectively. The bill also requires these amounts to be adjusted annually for inflation.

Evan Liddiard, National Association of Realtors director of federal tax policy, said at the Realtors Legislative Meetings in June that doubling the home equity exclusion is reason enough to support the bill.

“This is about people who want to move,” he said. “We have families that need to size up their homes but don’t have access because this tax is locking up inventory.”

The bill has bipartisan support, but there continues to be skepticism, NAR said.



Business Management | NEP | One Shot Video | 2025 | Complete Content | #bbabcom #business



Hello everyone!!

This is Niharika Tiwari. As you all know, business management is one of the important subjects in BBA , B.Com , MBA, and M.Com…

So in this video, I have given you a brief introduction to business management as your subject.

In this, I have explained in a very simple way all the topics of business management. This is one shot video covering the entire syllabus as per NEP.

I hope you enjoyed this video, and it is able to clear all your doubts related to this topic. Even if you have some doubts, then do let me know in the comments section. I will try to solve it ….

So if you liked my video, then do like, share, and subscribe to my channel for further updates related to the business management subject. @Study With Niharika Tiwari

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Best High-Yield Savings Rates for July 20, 2026: Up to 4.15%


High-yield savings account rates have dropped heading into July, with many of the popular top options seeing large cuts last week, with one major exception – the market leader EverBank

As of July 20, 2026, some online banks are still offering interest rates up to 4.15% APY. 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 you should know before moving your money.

💰 Today’s Best Savings Rates At a Glance

Here are the best bank and credit union savings accounts rates today:

Bank or Credit Union

Top APY

Balance Requirement

EverBank

4.15%

$1

CIT Bank

4.10%

$2,500

Always.bank

4.10%

$0

Pibank

4.10%

$0

Advantage Direct Savings

4.01%

$500

1. EverBank – EverBank is one of the oldest online banks and currently is offering up to 4.15% APY in partnership with Raisin. They’re also offering up to a $1,200 bonus for new deposits. Read our full EverBank review.

2. CIT Bank – CIT Platinum Savings a two-tiered savings account. 

Open an account with promo code CITBoost and you’ll earn 4.10% APY* on balances of $5,000 or more for the first six months* — that’s 10x the national average savings rate.

After 6 months, you’ll return to the regular rate of 3.75% APY* with a $5,000 minimum balance. Otherwise you’ll earn 0.25% APY. See website for full details. Read our full CIT Bank review.

3. Always.bank – Always.bank is the digital banking arm of 22nd State Banking Company, they’re currently offering a competitive 4.10% APY with no minimum balance requirements.

4. PiBank – PiBank is the online brand of Intercredit Bank, N.A and offers 4.40% APY with no monthly maintenance fees and no minimum balance requirements. However, lots of consumers complain about only being allow to withdraw via wire transfer. Read our full Pibank review.

5. FVCbank Advantage Direct Savings – FVCbank offers a solid rate of 4.01% with just a $500 minimum balance to open. This simple savings account is a solid choice. Read our full FVCbank review.

You can find a full list of the best high yield savings accounts here >>

How High Yield Savings Accounts Work And Why Rates Matter?

High-yield savings accounts function just like traditional savings accounts, but they pay a much higher annual percentage yield (APY) — often 10 to 15 times more. You can see how these rates compare to the savings rates at the 10 largest banks in America – and these rates put them to shame.

“While many banks have been lowering their rates, the top accounts have held firm. EverBank, the market leader, even raised their rates this week and is offering a great bonus. – Robert Farrington

The banks and credit unions on this list typically always have above-average rates, so even if the Federal Reserve lowers rates and these accounts lower their rates, you’ll still be head. 

For example, a $10,000 balance earning 4.00% APY will generate about $400 in interest per year, compared with less than $20 at a big-bank rate of 0.20%. That gap makes it worth tracking rate changes regularly and switching institutions if your current bank stops staying competitive.

However, we expect more rates to dip below that 4.00% level in the coming weeks.

What To Know Before Opening An Account

Before opening a new account, review the key details that determine how much you’ll earn — and how easily you can access your funds.

  • Watch For Intro Or Promo Rates: APYs can rise or fall at any time. But a strong introductory rate doesn’t guarantee long-term performance. None of the rates listed here are introductory, but some referral codes may only be temporary rates.
  • Transfer Limits: Federal rules no longer cap savings withdrawals at six per month, but many banks still impose limits.
  • Safety: Confirm that the institution is FDIC- or NCUA-insured, which protects up to $250,000 per depositor, per bank or credit union.
  • Access: Many top-yield accounts are online-only. Make sure you can deposit via mobile app and link external accounts for easy transfers.

These details help you separate truly high-performing savings options from accounts that look appealing but may include hidden limitations or slower rate adjustments.

How We Track And Verify Rates

At The College Investor, our goal is to help you make smart, confident decisions about your money. To create this list, our editorial team reviews savings account rates daily across more than 50 banks, credit unions, and fintechs. We verify data using each institution’s official website, rate disclosures, and regulatory filings.

Only accounts available to U.S. consumers and insured by the FDIC or NCUA are included.

Our coverage is independent and editorially driven – we never rank accounts based on compensation. While we may earn a referral fee when you open an account through certain links, this does not influence our recommendations or reviews. Our opinions are our own, based on a consistent evaluation of usability, fees, yields, and customer experience.

FAQs

How often do savings account rates change?

Banks can adjust rates daily or weekly based on market conditions.

Are online banks safe?

Yes — as long as they’re FDIC-insured. Verify coverage on the FDIC’s BankFind site.

Is interest on savings accounts taxable?

Yes. You’ll receive a 1099-INT if you earn $10 or more in interest.

Should I move my money if rates drop?

It depends on the difference in APY and your transfer limits, and frequent rate chasing can reduce returns if transfers take time.

Disclosures

CIT Bank

For complete list of account details and fees, see our
Personal Account disclosures.

* Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

* Platinum Savings APY Boost Promotion Terms and Conditions

This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on February 13, 2026, and ends July 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice. 

Editor: Colin Graves

Reviewed by: Richelle Hawley

The post Best High-Yield Savings Rates for July 20, 2026: Up to 4.15% appeared first on The College Investor.

New PM Andy Burnham sets out first steps to reshape Britain




New PM Andy Burnham sets out first steps to reshape Britain

U.S. military launches 10th straight night of airstrikes on Iran as Houthi allies threaten Red Sea



The United States military said late Monday it was carrying out its 10th consecutive night of strikes on Iran in a push to reopen the Strait of Hormuz. The renewed bombings followed the death of another American service member, and came after Iran launched attacks on American allies Kuwait, Jordan and Bahrain, home of the U.S. Navy’s 5th Fleet.

U.S. Central Command said on social media that the latest strikes “are designed to further degrade Iranian military capabilities used to attack commercial shipping” in the strait.

Even as the U.S. and Iran inch closer to all-out war again, glimmers of hope appeared on the diplomatic front, as Iran’s interior minister traveled to Pakistan, a key mediator in the conflict, for talks.

The interim deal signed last month that was meant to end the fighting has crumbled. Shipping through the Strait of Hormuz — a vital supply route for world energy supplies — has largely stalled. And as fighting intensifies, both sides have targeted civilian infrastructure relied on by millions of people.

A new potential threat to world energy markets emerged Monday after Iran-backed rebels in Yemen said they planned to prevent Saudi Arabia from shipping in the Red Sea, an alternate route for oil exports during the war.

The escalation has pushed oil prices higher in recent weeks. Benchmark Brent crude traded Monday above $88 a barrel and regular gasoline in the U.S. climbed to an average of $4 a gallon, keeping pressure on Americans’ wallets ahead of midterm elections this fall.

The U.S. military identified two soldiers who were killed in Jordan in attacks that left a third person missing. Separately, the military confirmed another death in Iraq on Saturday during the “controlled detonation” of a downed Iranian drone. President Donald Trump took to social media on Monday to warn that “Every time Iran kills an American Soldier they will pay for that killing many times over!”

Trump was planning to attend a ceremony on Tuesday evening at Dover Air Force Base, where at least one service member’s remains were due to arrive.

US targets strategic sites in Iran

U.S. Central Command said Sunday’s airstrikes targeted “Iranian military command centers, air defense and coastal surveillance sites, maritime capabilities, missile and drone launch sites and communications networks.” Last week, the U.S. struck bridges and a tower at an Iranian port.

Iran’s state-run IRNA news agency reported that the American strikes killed at least one person around Tabriz, a northwestern city about 520 kilometers (325 miles) from the capital, Tehran. Tabriz is believed to host underground missile bases run by Iran’s paramilitary Revolutionary Guard.

U.S. strikes likely also hit Bandar Imam Khomeini in Khuzestan province, Sirik and Jask in Hormozgan province and Konarak and Chahbahar in Sistan and Baluchistan province, IRNA reported.

The British military’s United Kingdom Maritime Trade Operations center said Monday evening that a second ship had been attacked a day earlier in the Strait of Hormuz, this one off the coast of the United Arab Emirates.

The other vessel caught fire in the Strait of Hormuz after being hit by a projectile near the coastline of Oman. The crew abandoned the vessel, which was adrift and still ablaze hours later, the UKMTO said.

The route around Oman has been the one the U.S. military has encouraged ships to travel to avoid Iran’s control. The Guard later claimed it was targeting tankers in the strait.

Tehran also hit U.S.-allied countries throughout the Middle East.

Kuwait said its air defenses fired at an incoming barrage, and Jordan’s armed forces said Monday evening they had shot down three Iranian missiles, adding that there had been no material damage or casualties. There was no immediate word from Iran.

Bahrain’s Foreign Ministry condemned Iranian drone strikes targeting the country’s air traffic systems, saying they endanger travel for civilians.

The Strait of Hormuz remains key to the conflict

A new pressure point could emerge for world energy markets as Yemen’s Houthi rebels announced on Monday a maritime embargo against Saudi Arabia. The Houthis, who are backed by Iran, said they would block shipping between the Red Sea and the Gulf of Aden in response to an attack on Sanaa International Airport last week that they blamed on Saudi Arabia.

With the Strait of Hormuz blocked up, Saudi Arabia has been relying on a pipeline to the Red Sea to get millions of barrels of oil out to market. The Houthis earlier demonstrated their ability to disrupt shipping there when they targeted ships for months over the Israel-Hamas war in Gaza, with over 100 vessels attacked.

There was no immediate response from Saudi Arabia.

Trump has threatened to target Iran’s power stations and bridges to try to compel Tehran to loosen its hold on the Strait of Hormuz, through which one-fifth of world oil supplies were shipped before the war. Recent attacks suggest the U.S. military is carrying out that plan.

The U.S. in the past week reimposed a naval blockade on Iranian ports to halt its shipments of crude oil. The military says it has redirected seven ships and disabled one since then.

A glimmer of hope for diplomacy

Pakistan has intensified diplomatic efforts in recent days to resuscitate the interim ceasefire reached last month that called for resolving remaining issues tied to the war within 60 days. The truce unraveled after both sides resumed attacks on each other’s military installations and other infrastructure.

Iranian Interior Minister Eskandar Momeni arrived in Islamabad on Monday for two days of talks with Prime Minister Shehbaz Sharif and others. Momeni’s counterpart, Pakistani Interior Minister Mohsin Naqvi, expressed optimism.

“God willing, we will have good news,” Naqvi said.

On Sunday, U.S. Secretary of State Marco Rubio told reporters that the U.S. is still open to negotiating with Iran but that “it has to be real.”

“If the door opens to diplomacy — if the guys that want to do something productive for Iran win and take control of that system, or take control of the negotiations — that’ll be a very positive development,” Rubio said. “That’s not where we are tonight, unfortunately.”

Iranian authorities on Sunday said at least 50 people have been killed and 517 wounded in the latest rounds of U.S. strikes. Since the war began on Feb. 28, 17 U.S. service members have been killed.

FIS And Anthropic Extend Partnership To Deploy Advanced AI Agents In Banking 


FIS (NYSE: FIS), a global financial technology provider, and Anthropic, an AI safety and research focused company, have announced the expansion of their strategic partnership. This development focuses on integrating sophisticated agentic artificial intelligence into core banking functions, with an initial emphasis on combating financial crimes.

The centerpiece of this extended collaboration is the launch of a specialized Financial Crimes AI Agent.

Powered by Anthropic’s Claude models, the agent is designed to dramatically accelerate anti-money laundering (AML) processes.

Traditionally, these investigations can take hours or even days due to the need for manually gathering evidence from disparate systems.

The new AI tool automates this by compiling comprehensive evidence packages across a bank’s core platforms, assessing transactions against established patterns of illicit activity, and prioritizing only the most suspicious cases for human review.

This addresses a pressing industry challenge.

According to estimates, approximately $2 trillion in illicit funds moves through the global financial system annually, while U.S. institutions alone allocate $35–40 billion each year to AML compliance efforts.

Much of this expenditure involves labor-intensive tasks that yield high rates of false positives.

By compressing investigation timelines to minutes, the agent promises to lower costs, reduce manual workloads, and enable compliance teams to focus expertise on genuine threats such as money laundering linked to drug trafficking, terrorism financing, and other criminal enterprises.

FIS is positioned to deliver this solution, serving as the trusted infrastructure layer that processes a substantial portion of the world’s transactions.

Client data remains securely within FIS-controlled environments throughout, ensuring full traceability, auditability, and regulatory compliance.

Anthropic’s Applied AI team and forward-deployed engineers are working side-by-side with FIS specialists to co-develop the agent, facilitating knowledge transfer that will empower FIS to independently create and scale additional purpose-built agents in the future.

Early adopters include Bank of Montreal (BMO) and Amalgamated Bank, which are already involved in development and testing. Broader availability for FIS clients is scheduled for the second half of 2026.

Beyond financial crimes, the partnership envisions a wider roadmap covering areas like credit decisioning, customer onboarding, fraud prevention, and deposit retention—all operating within a unified, governed AI platform.

Stephanie Ferris, CEO and President of FIS, emphasized the transformative potential: banks worldwide seek AI systems that actively perform tasks rather than merely offering suggestions.

She described FIS as the essential intermediary that safeguards data and orchestrates intelligent agents, positioning institutions to evolve into “agent-first” operations.

Jonathan Pelosi, Head of Financial Services at Anthropic, highlighted the complementary strengths of the alliance.

FIS contributes unparalleled regulatory insight, client relationships, and transaction data, while Claude provides advanced reasoning, clear explanations, and safe operation within highly regulated settings.

Every agent conclusion ties directly back to verifiable source information, preserving human oversight for final judgments.

This partnership extension underscores a broader shift toward responsible, enterprise-grade AI deployment in finance.

By combining FIS’s deep domain expertise with Anthropic’s frontier AI capabilities, the collaboration aims to set a new standard for secure, effective, and scalable intelligence in banking. As financial institutions navigate increasing regulatory scrutiny and sophisticated threats, such innovations could prove instrumental in enhancing security while driving operational efficiencies.



PM announces £15bn defence investment plan



Outgoing prime minister Sir Keir Starmer has unveiled his long-delayed defence investment plan (DIP), as he tries to set out his political legacy.

Follow live updates |

#Starmer #Politics #Defence

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Why servicer acquisitions are making your past clients harder to keep


“The average loan officer in the United States, 65% of the time that borrower, when they go do another loan, they’re going somewhere else,” he said. “And so I think originators need to embrace these products so they can retain their past clients.”

By being able to help these customers now with equity products, the broker now moves back to the front of the line for these past clients, Davis said.

“If I had a restaurant and 65% of my customers that came to my restaurant the second time didn’t come back to my store, they went to another restaurant down the street, the servicer who I sold the loan to,” he said. “The goal should be: how do I keep them coming back to my store and how do I have them become a customer for life.”

When a loan is sold, Davis said, the servicer immediately begins soliciting the borrower, while the broker who originated the loan is often completely absent from that conversation.

“When that loan gets sold, the servicer immediately starts to solicit them,” he said. “They have all the data, they have AI, and they are aggressively marketing to them. And those borrowers, if the loan officer doesn’t stay engaged, they’re going somewhere else.”

Sony Music sues Udio again, asserting over 30,000 recordings a judge barred the major from adding to its original case


Sony Music Entertainment has filed a second copyright infringement lawsuit against Udio, asserting 30,117 sound recordings it says the AI music company copied without permission to train its generative AI models.

The complaint, obtained and first reported by MBW, was filed on Monday (July 20) in the US District Court for the Southern District of New York. You can read it in full here.

It follows a June 29 ruling in which the same court denied Sony‘s bid to add more than 30,000 of those recordings to its existing case against Udio.

The suit is brought by Sony Music Entertainment alongside nine affiliated labels, including Arista Records, LaFace, and others.

Sony and its subsidiaries first sued Udio in June 2024, in litigation coordinated by the RIAA on behalf of the major labels.

Discovery in that original case allowed Sony to inspect Udio’s training data and identify hundreds of thousands of its recordings using audio fingerprinting, according to the new complaint.

The 30,117 works asserted in the new suit are a subset of those matches, which the labels describe as “only a small portion” of the recordings Udio infringed.

In its June 29 ruling, the court denied Sony leave to add the recordings to the original case but recognized that “Plaintiffs have the right to seek to stop infringement of, and recover damages for, all copyrighted works.”

The court held only that “there is no requirement that it be done in [that] lawsuit,” language Sony cites as the basis for filing the new action.

“Udio’s belated embrace of licensing only underscores the unlawfulness of its decision to copy Plaintiffs’ copyrighted sound recordings, without a license, in the first place.”

Sony Music complaint against Udio

In answering the original complaint, Udio admitted that its models were “constructed by showing the program a vast amount of different kinds of sound recordings,” and that those recordings “presumably included recordings whose rights are owned by the Plaintiffs in this case.”

The new complaint also carries claims that Udio obtained many of the recordings by “stream ripping” them from YouTube using the tool YT-DLP, circumventing the platform’s technological protections.

Udio has acknowledged obtaining audio data from YouTube for use as training data, while arguing that its use of copyrighted music amounts to fair use.

Since launching, Udio has struck licensing deals with rightsholders including Universal Music GroupWarner Music GroupMerlinKobaltBelieve and the National Music Publishers’ Association, according to the complaint.

Sony is the only major music company yet to reach a licensing agreement with Udio, having declined to settle where Universal and Warner did.

The complaint argues that Udio’s “belated embrace of licensing” underscores what the labels call the unlawfulness of copying their recordings without a license “in the first place.”

The suit brings three claims: infringement of post-1972 recordings, infringement of pre-1972 recordings protected under the Music Modernization Act, and circumvention of technological measures under the Digital Millennium Copyright Act.

Sony is seeking statutory damages of up to $150,000 per work infringed, plus up to $2,500 for each act of circumvention, along with an injunction.

Udio, developed by Uncharted Labs, was founded by former Google DeepMind researchers and launched its service in April 2024, and is led by co-founder and CEO Andrew Sanchez.

The complaint frames Udio’s conduct as “a mad dash to become the dominant AI music generation service,” stating the company has “flouted the rights of copyright owners in the music industry” since the day it launched.

Udio’s rival Suno continues to face parallel copyright infringement claims from Universal Music Group and Sony Music in the US District Court for the District of Massachusetts.

Warner Music Group, a former co-plaintiff, exited that case after settling with Suno in November 2025, leaving Universal and Sony as the remaining major-label plaintiffs.

In the Suno case, Universal and Sony are seeking to add 61,026 recordings, more than double the 30,117 at issue in the Udio complaint.Music Business Worldwide