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What to Do When There’s Too Much Work


Sometimes there’s just too much to do. In our Insider Insights surveys over the past year, HBR subscribers have consistently reported a common pain point: The sheer volume of work you and your teams are juggling. Whether the cause is AI, layoffs, a budget crisis, all of the above—or something else entirely—everything can feel futile when it’s impossible to make progress.



2 Beaten-Down Stocks to Buy Before They Bounce Back


Shopify (SHOP +7.12%) and Intuitive Surgical (ISRG +0.11%) were considered market darlings for a long time, but in recent years, they have faced significant headwinds that have threatened their status. Both stocks have dropped substantially this year. Shopify is down 19% while Intuitive Surgical has declined 29%. However, there are reasons to remain bullish on both stocks and to buy the dip before they rebound. Let me explain.

Image source: The Motley Fool.

1. Shopify

Shopify’s second-quarter results were excellent. The company’s revenue came in at $3.6 billion, 34% higher than the year-ago period. The company’s operating income of $488 million jumped almost 68% year over year, while its non-GAAP net income of $439 million, which excludes the impact of equity investments, grew 30% year over year. Shopify’s third-quarter guidance came in ahead of analyst estimates, too.

The stock jumped after its latest quarterly update, but it remains down by 9% over the last 12 months. What’s going on? Some investors remain worried that artificial intelligence (AI) will eventually replace some of Shopify’s services. Further, the company trades at 53.2x forward earnings, which seems a bit too steep for a company with somewhat uncertain prospects, given how quickly AI continues to develop.

Shopify Stock Quote

Today’s Change

(7.12%) $9.82

Current Price

$147.74

But is Shopify really in danger of losing out to AI? In my view, the evidence suggests otherwise. The e-commerce specialist has launched various AI-powered initiatives that are helping boost the productivity of merchants on its platforms. Thanks to AI, Shopify’s clients can build storefronts much more easily, write up product descriptions more quickly, better analyze data, make products easier to find through AI-powered searches, and much more.

These initiatives are working, as management noted, and Shopify won’t stop there. The company will continue integrating AI across its platform to help merchants and their customers. The company’s services are unlikely to be completely replaced by the technology, in my view. AI could, instead, be a net benefit to the business. Meanwhile, the shift toward e-commerce continues unabated, and Shopify remains a leader in the industry, with a strong competitive advantage stemming from switching costs. All these factors make the stock an attractive pick on the dip.

2. Intuitive Surgical

Intuitive Surgical is a leader in the robotic-assisted surgery (RAS) market, offering the da Vinci system, one of the industry’s leading devices. However, the company is facing increased competition, notably from Medtronic (MDT -1.07%), which earned U.S. clearance for its Hugo RAS system for urologic procedures in December of last year. Further, Intuitive Surgical’s shares are hardly cheap.

The company is trading at 32.6x forward earnings. Can Intuitive Surgical bounce back? Yes, it can, and here’s why. The company has a solid market lead, and that’s unlikely to change even with mounting competition. The da Vinci system has been around for more than 25 years and has a large installed base of 11,710 devices as of the end of the second quarter. So, it has achieved widespread adoption and accumulated extensive real-world use.

Intuitive Surgical Stock Quote

Today’s Change

(0.11%) $0.44

Current Price

$402.09

This large installed base also helps Intuitive Surgical improve its devices by enabling it to receive feedback from surgeons. The company’s latest version of the da Vinci system boasts several new features, including Force Feedback Technology, which allows physicians to better feel the pressure they are applying to patients’ tissues during procedures.

So, Intuitive Surgical has a first-mover advantage and a data flywheel: a larger installed base provides more data to analyze and improve its da Vinci system, which then attracts more surgeons and generates more data. But it’s also worth noting that Intuitive Surgical benefits from high switching costs, given that its devices carry high upfront costs for hospitals, not to mention the time it takes to train surgeons to use them.

Meanwhile, Intuitive Surgical is still looking at a large addressable opportunity in the underpenetrated RAS market, which, by the way, will only expand over the long run as the world’s population ages. Given all that, Intuitive Surgical’s prospects still appear attractive, and the company’s shares are worth buying at current levels.

Audible Deal: 4 Months for $0.99/Month for Prime Members


Audible Deal: 4 Months for $0.99/Month for Prime Members

Amazon is offering Prime members a discounted Audible Standard membership for just $0.99 per month for the first four months (affiliate link here and below).

The offer is available for a limited time and is scheduled to end on October 7, 2026 at 11:59 PM PT. After the promotional period, the membership automatically renews at $8.99 per month unless canceled. Let’s go over the details.

Offer Details

Prime members can sign up for Audible Standard and pay just $0.99 per month for four months, for a total of $3.96 during the promotional period.

The membership includes the ability to choose one audiobook each month from Audible’s catalog. Members also get access to podcasts and Audible Originals while subscribed.

The offer is limited to eligible Prime members and ends October 7, 2026 at 11:59 PM PT. After four months, the membership renews automatically at $8.99 per month unless canceled.

GET AUDIBLE

Guru’s Wrap-Up

This is a cheap way for eligible Prime members to try Audible Standard for a few months.

At $0.99 per month, you’re paying just $3.96 total for the first four months, which is a big discount compared with the regular $8.99 monthly price.

Just keep in mind that the subscription automatically renews after the promotional period, so set a reminder to cancel if you don’t want to continue at the regular rate.

 

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!

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89 Groups Demand Congress Take Action As Student Loan Errors Hit Borrowers


Key Points

  • A coalition of 89 groups, including the AFL-CIO, AFT, and NAACP, asked four congressional committees to hold an emergency hearing on student loan servicing failures.
  • The letter cites wrong payment amounts, false past-due notices, and lost PSLF credit since the July 1 repayment overhaul.
  • The Education Department defended the changes as “historic reforms to simplify repayment.”

A coalition of 89 advocacy groups, unions, and nonprofits is asking Congress to convene an emergency hearing on the student loan system, citing servicing errors and confusion that have followed the repayment overhaul that took effect July 1.

The letter (PDF File), was led by Protect Borrowers and Young Invincibles and signed by groups including the AFL-CIO, the American Federation of Teachers, the National Education Association, the NAACP, and the UAW.

The letter went to the chairs and ranking members of four committees: Senate HELP (Bill Cassidy and Bernie Sanders), Senate Banking (Tim Scott and Elizabeth Warren), House Education and Workforce (Tim Walberg and Bobby Scott), and House Financial Services (French Hill and Maxine Waters).

It asks them to “engage in critical oversight and convene an emergency hearing” to hold the Education Department and its federal student loan servicers accountable.

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Why It Matters

The letter comes at a time when roughly 7 million borrowers are being moved off the SAVE plan and into potentially higher-cost repayment options. The coalition estimates a typical SAVE borrower could pay more than $4,000 more per year under the new Repayment Assistance Plan (RAP), and says some borrowers have already reported payment increases of more than $500 a month.

Errors are making this entire transition harder to budget for. When a servicer sends the wrong payment amount or a false delinquency notice, borrowers can’t plan around a payment number they can’t trust.

The Errors Cited In The Letter

The coalition lists problems borrowers reported from May through August 2026:

  • Conflicting SAVE notices. After the Education Department said in May that 7 million-plus borrowers would receive 90-day transition notices, borrowers reported contradictory messages from the department and servicers. Some servicer accounts still showed SAVE forbearance running until 2028.
  • $50 payment notices that were wrong. In June, more than 6,000 borrowers were told their payment would be $50 a month, then were charged much higher amounts. Some had to reapply for an income-driven plan from scratch.
  • Long hold times in July. Borrowers reported waiting “countless hours” to confirm their new payment amounts.
  • Married borrower and IBR problems. Attorneys reported IDR payments for married borrowers that weren’t prorated for a spouse’s debt, wrongful IBR denials for some consolidated loans, and early payment increases for borrowers who had consented to automatic recertification.
  • False past-due notices in August. Some borrowers still in the SAVE forbearance received notices saying they were behind and at risk of default, similar to the MOHELA glitch that sent false past-due notices.
  • Lost PSLF credit. In August, borrowers saw Public Service Loan Forgiveness payment counts drop with little explanation. The department attributed the changes to fixing coding errors.

This is not cited in the letter, but borrowers still do not have a paper RAP application they can use yet either. Paper applications can sometimes help with these issues, but they’re not available.

The Numbers Behind The Request

The coalition says 25% of student loan borrowers are behind on a loan and more than 9 million, or 1 in 5, are in default. It puts delinquency rates near 50% for Black and Native American borrowers, and says delinquent borrowers’ credit scores have dropped 57 points on average over the past year.

The groups warn that if borrowers leaving SAVE default at the same rate as others, the number of borrowers in distress could reach 17 million or more.

Readers should note the letter does not footnote the sources for these figures, and different datasets measure delinquency differently. The New York Fed’s most recent quarterly data, for example, showed student loan delinquencies falling to 7.83% from 12.88%. Federal Student Aid data earlier showed 7.7 million borrowers in default.

Until we have updated reporting, it’s impossible to know which is truly accurate. But – none are that great to begin with…

The Oversight Gap

The letter argues these errors are piling up while federal oversight shrinks. A Government Accountability Office report found the Education Department had stopped monitoring servicer calls and reviewing borrower data for accuracy. The coalition also points to staffing cuts in the Federal Student Aid Ombudsman Group, which has left borrower complaints stuck in a backlog.

The Consumer Financial Protection Bureau (CFPB), the other federal agency that has policed servicers, told staff in an internal memo last year to “deprioritize” student loan oversight. The administration has also pushed to cut most of the CFPB’s workforce.

The letter argues the CFPB has been gutted just as more students and families are forced to rely on the private student loan market, which the bureau oversees.

What Borrowers Can Do Now

Don’t wait on Congress to fix a servicer mistake. Screenshot payment notices, save call reference numbers, and check your payment count on StudentAid.gov after every change.

If a servicer won’t correct an error, file a complaint with the Student Loan Ombudsman and document the date. PSLF borrowers who lost months should keep employer certifications current and review our breakdown of PSLF requirements after SAVE ends.

What’s Next

The decision sits with the four committee chairs, all Republicans, who control hearing schedules. Watch whether ranking members Sanders, Warren, Bobby Scott, or Waters press the chairs publicly, and whether any Republican chair takes up the request.

Separately, the bipartisan PSLF Inclusion Act would count SAVE forbearance months toward forgiveness, a proposed fix for borrowers who lost PSLF progress during the transition.

The bottom line is all pathways lead to Congress, and borrowers who want to see change should be contacting their members of Congress.

Read the full letter: Coalition Letter Calling for Oversight, September 2026 (PDF)

The post 89 Groups Demand Congress Take Action As Student Loan Errors Hit Borrowers appeared first on The College Investor.

How Businesses Can Turn World Cup Lessons Into NFL Wins


Opinions expressed by Entrepreneur contributors are their own.

The FIFA World Cup 2026 was an enormous moment for small businesses connected to sports and live events, including stadium vendors, sports bars, jersey shops, parking operators and hospitality businesses near arenas. Sales jumped 4.1% in June for small and midsize businesses (SMBs) in host cities, compared to just 1.8% for comparable cities that didn’t host matches, driven in large part by a 16.7% spike in spending from non-local visitors. The NFL season brings another huge opportunity for small businesses, provided SMBs apply the operational and technological lessons learned from the World Cup. 

How fans engage with sports has changed dramatically. Today’s fans don’t just watch; they also browse, stream, share and purchase in real time, both in-stadium and from their couch. Direct social media links drive instant impulse buys. Mobile apps handle food and merch orders without the wait in line. Digital drops and inventory alerts create urgency. The commerce surface has expanded, and for small businesses willing to meet fans where they are, so has the opportunity.

A challenge as big as the opportunity

Small businesses in FIFA World Cup 2026 host cities saw a substantial increase in sales, but those sales didn’t come without challenges. Handling surges of online volume and foot traffic was a test of preparedness, especially of one’s connectivity resilience. Nearly 500 terabytes of data moved across all World Cup hosting stadiums throughout the tournament. That’s the equivalent of streaming HD video continuously for more than 30 years.

While network providers, venue operators and local governments started planning years in advance to upgrade infrastructure for the World Cup, small businesses discovered they too had to beef up their own networks and connectivity solutions. The ones that did were ready when it counted.

Turning World Cup wins into NFL season wins

The small businesses that succeeded during the World Cup are heading into the NFL season with a smarter playbook, one that hinges on effective use of technology to capitalize on spikes in foot traffic and online visitors.

Those same tools and strategies can carry them through the NFL season and sustain the momentum the World Cup created.

AI-powered point-of-sale (POS) systems can alleviate the pressure of sales rushes, using pattern recognition and predictive analytics to anticipate spikes in demand, optimize supply chains and keep inventory levels in check so small businesses don’t fall short when it matters most. Smart POS systems also automate administrative tasks and enhance product look-ups, freeing owners and staff to focus on the customer in front of them. 

Beyond the register, contactless and mobile payment options keep the line moving – because with fans on the go and every second of game-day momentum counting, the last thing a small business needs is a bottleneck at checkout.

Meeting customers where they are

The World Cup also proved that the opportunity isn’t limited to whoever walks through the door. With 20 billion video views across platforms, fans were watching — and shopping — from everywhere. A well-built digital storefront or digital platform that loads fast, handles traffic spikes and integrates with social commerce channels lets sports-adjacent SMBs tap into that remote fan base, turning a local business into one with national reach. 

Anwar Dougsiyeh, founder of Lotus Rosery, an events and brand experience company in Atlanta, experienced this firsthand while coordinating a large-scale World Cup watch party and festival that welcomed more than 20,000 guests. Using AI to audit his festival’s digital customer journey, he discovered that visitors were dropping off before completing their RSVPs simply because the button wasn’t prominent enough. One design tweak later, RSVPs increased by 70% — a reminder that a great digital presence isn’t just about getting people to show up; it’s about making it easy for them to say yes when they do. 

More transactions bring more risk

An uptick in foot traffic and transactions is great for business, but it also attracts unwanted attention. The volume of financial activity that comes with large-scale sporting events makes SMBs a target for hackers and scammers, and most small businesses can’t afford dedicated IT or cybersecurity staff to fight back. Fortunately, artificial intelligence (AI) has lowered the barrier to entry for cybersecurity solutions that can automatically flag anomalies and identify fraudulent activity, giving SMBs an always-on line of defense. 

The right tech stack is a non-negotiable

Small businesses have more opportunities than they’ve ever had. They can even compete with larger competitors in ways that weren’t possible just a few years ago. Technology has evened the playing field and lowered the barrier to entry. For small businesses, that also means having the right tech stack is no longer a luxury. It’s a necessity.

Mario Jaramillo, founder of The Robot Agency, a creative and experiential agency based in Houston, used the World Cup as an opportunity to show what a small agency could do when backed with the right technology.

When a World Cup contract came his way with a razor-thin turnaround, his team used digital research, rapid prototyping and AI-assisted ideation to go from concept to visual prototype in just a few days – work that would have taken weeks through a traditional creative workflow. This allowed Mario’s agency to present something the clients could see, react to, and ultimately experience, rather than asking them to imagine it. It’s a mindset shift as much as a technological one, and it starts with having the right stack in place to move fast when the moment demands it. 

Think of it like a sports franchise: the best roster in the league underperforms without a strong coaching staff, a solid game plan and the infrastructure to execute. For small businesses, connectivity is that infrastructure. It’s what allows every other tool — AI, mobile payments, digital storefronts, cybersecurity — to perform when the pressure is on. Build that foundation right, and the rest of the playbook follows.

The FIFA World Cup 2026 was an enormous moment for small businesses connected to sports and live events, including stadium vendors, sports bars, jersey shops, parking operators and hospitality businesses near arenas. Sales jumped 4.1% in June for small and midsize businesses (SMBs) in host cities, compared to just 1.8% for comparable cities that didn’t host matches, driven in large part by a 16.7% spike in spending from non-local visitors. The NFL season brings another huge opportunity for small businesses, provided SMBs apply the operational and technological lessons learned from the World Cup. 

How fans engage with sports has changed dramatically. Today’s fans don’t just watch; they also browse, stream, share and purchase in real time, both in-stadium and from their couch. Direct social media links drive instant impulse buys. Mobile apps handle food and merch orders without the wait in line. Digital drops and inventory alerts create urgency. The commerce surface has expanded, and for small businesses willing to meet fans where they are, so has the opportunity.

A challenge as big as the opportunity

Small businesses in FIFA World Cup 2026 host cities saw a substantial increase in sales, but those sales didn’t come without challenges. Handling surges of online volume and foot traffic was a test of preparedness, especially of one’s connectivity resilience. Nearly 500 terabytes of data moved across all World Cup hosting stadiums throughout the tournament. That’s the equivalent of streaming HD video continuously for more than 30 years.

X Money Review – 6% APY/$300 Bonus & 3% Back On Debit Card Purchases [3% Exclusion List Expanded]


Update 9/22/26: Looks like the exclusion list for the 3% on debit card purchases has been expanded. Following have been added:

  • Utilities
  • Wholesale Clubs
  • Jewelry Stores, Watches, Clocks, and Silverware Stores
  • Insurance Underwriting, Premiums
  • Colleges, Universities
  • When no MCC is present transactions 

Current list here. Wayback August archive here. 

X Money has finally launched to all Premium & Premium+ X.com (formerly Twitter) subscribers. This post is designed as a more thorough review of the features, please keep discussion in the comments to the product itself as I think the back and forth regarding Elon Musk’s political leanings has been covered enough in other threads. Realistically you’re unlikely to change anybody’s mind anyway. 

6% APY/$300 Bonus

3% Cashback

X Money debit card earns 3% cash back on most purchases. You can find a list of exclusions here. You can find previous discussion here. 9/22/26 additions:

  • Utilities
  • Wholesale Clubs
  • Jewelry Stores, Watches, Clocks, and Silverware Stores
  • Insurance Underwriting, Premiums
  • Colleges, Universities
  • When no MCC is present transactions 

Sign Up Bonus

You are supposed to get $25 when signing up, but there are reports of some people only receiving $15. 

Fees

  • The main fee you will pay is for Premium/Premium+. Premium is $8 per month/$84 per year and Premium+ is $40 per month or $395 per year. Although discounts seem frequent. Reminder that basic X membership doesn’t qualify you for X Money. 
  • No foreign transaction fees

Our Verdict

It’s difficult to determine a break even point compared to other accounts because of the varying prices of Premium and the fact that both the 3% debit earning and 6% APY are attractive. If you have $10,000 in the account earning 6% you’d earn $600 in interest or $516 after the $84 fee. That works out to be an APY of 5.16% and that would be the top high yield rate but do keep in mind you need the monthly direct deposit so probably more accurate to compare to other high yield rewards checking accounts. 

F.A.Q’s

Does X Money Offer FDIC Insurance?

Yes, deposits are held by Cross River Bank, Member FDIC. Note that this is pass through insurance. More discussion here.

What happens if I cancel my Premium or Premium+ account?

You keep your account but your X Money account drops to the base/standard tier. This means the APY drops from 6% to 4%

Why is NY different to other states?

Because it doesn’t hold a required state money transmitter license from New York regulators. 

If I fund with a credit card, is it a cash advance?

Yes. 

I have premium/premium+, I still can’t sign up?

Despite advertising it’s available to all premium/premium+ members some people are unable to sign up. Not sure why, you can try to contact X to see if they will fix the issue. 

I just signed up for X Premium, I don’t see the option to sign up for X Money?

Suspect it is the same issue above, not sure how long it takes to become available to new users. 

What codes as a direct deposit?

X Money define it as:

Qualifying Deposit is (i) a direct deposit received via the Automated Clearing House (“ACH”) with SEC code = PPD or (ii) an X Creator payout from Original Content Rewards, Creator Revenue Sharing or Creator Subscriptions .

You can see what has/hasn’t worked for other readers in the past here. 

My question isn’t answered

Try the official F.A.Q

Scott Bessent: Government will not be ‘liability shield’ for AI labs amid safety standoff



In the great debate over AI safety guardrails, Scott Bessent said the government will not become a “liability shield” for hyperscalers.

The Treasury Secretary’s comments come after an eruption of concern over the threat the transformative technology poses. The latest surge in alarm comes after former Anthropic and OpenAI researcher Jacob Coxon claimed tech giants are “gambling with our lives.” Meanwhile, Evan Hubinger, a top safety researcher at Anthropic, warned there was a “low” but maximum 10% chance AI could wipe out humanity within the next decade.

The warnings sparked a debate over the extent to which AI companies can be trusted to self-regulate, and how closely involved governments need to be in implementing guardrails.

Bessent has been firm the creators of the technology will be held responsible for its impact in the first instance, telling CNBC in an interview: “Imagine these labs came out or … a sitting employee came out and said: ‘There’s a 10% chance of an extinction-level event.’ But then the labs also said, ‘Take the liability off of our hands.’ And we will not do that.”

Bessent said it is humans, not AI, that are responsible for the risks posed by the technology, saying the “Hugging Face incident” (when OpenAI agents undergoing a test hacked out of the system and into Hugging Face’s database in order to pass) was the “responsibility of the OpenAI management.”

Bessent clarified the administration’s position is that “we cannot say, ‘Oh, we absolve you of responsibility, and the government’s going to take responsibility.’ These labs need to take responsibility for themselves. They can slow down any time they want to.”

President Donald Trump had previously struck a different tone on regulation, claiming simultaneously in a Truth Social post the U.S. already had “tremendous” regulatory and criminal power over AI companies, but “the only control or ‘ guardrails’ that AI needs is a STRONG AND SMART (High IQ!) PRESIDENT, and the U.S.A. has that, in spades!”

The president’s post last week on the social media platform he owns also criticized Anthropic cofounder Dario Amodei, whom Trump blasted “is now pretending to be a ‘perfect little angel.’” Amodei penned a letter just days before the president’s outburst, calling on labs to slow the pace of progress.

The essay, titled We Must Pace the Frontier also suggested U.S. government support would be needed to globally coordinate and legally bind safety standards.

The argument was echoed by OpenAI CEO Sam Altman in an exclusive interview with Fortune published last week. In a new episode of Fortune 500: Titans and Disruptors of Industry, with Fortune’s Editor-in-Chief Alyson Shontell, Altman said: “It can simultaneously be true that, if the world and the companies building this technology did not do things differently than they’ve done in the past, there might be significant risk.

“But it would be insane not to adjust the way we all work, make decisions, and have governments understand and put guardrails around this technology in light of that.”

Bessent suggested removing the onus on private companies was a mistake, continuing: “What did they try to do last week? It was, ‘Well, there’s a … 10% chance we could destroy the world, but we want the government to give us a liability shield. And that’s good business for them, bad business for the American people.”

The self-regulation debate

An obvious pushback to the argument that AI labs should regulate themselves is the transformative technology, by its very nature, will produce only a handful of successful industry leaders.

Trump himself has acknowledged this (“WHOEVER WINS AI, WINS!”) and has also impressed the importance of the U.S. continuing to lead economic rivals like China in terms of dominance.

However, the two forces of competition and self-regulation are not traditional bedfellows. As Sen. Bernie Sanders (I-Vt.), pointed out last week: “When the future of humanity is at stake, we need binding international safety rules, not voluntary standards from the industry.”

Canada’s Big Six banks jointly explore digital deposits network




Canada’s six biggest banks launched a project to jointly explore digital money solutions, beginning with tokenized deposits, in what they say is a bid to bolster the country’s payments infrastructure.

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