No matter where you live, your home needs seasonal maintenance to continue to look its best. This will also help prevent future repair bills — and some can be more expensive than you realize. Here are a few maintenance tasks you won’t want to overlook.
On July 14, Arvind Krishna did something CEOs spend their entire tenure hoping to avoid. Eight days before IBM was scheduled to report second-quarter earnings, he published an open letter to investors warning that the results would fall well short of expectations. By the closing bell, IBM’s stock had fallen roughly 25%—the worst single day in the company’s 115-year history. Within days, Wall Street was debating whether activist investors might try to break up Big Blue.
Javier Milei et sa tronçonneuse veulent faire de l’Argentine le pays le plus libre du monde.
Si vous pensez désastre, vous êtes keynésien.
Si vous pensez thérapie de choc, vous êtes monétariste.
Si vous pensez qu’il ne va pas assez loin, vous êtes libertarien.
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Sommaire :
00:00 Introduction
00:25 Les fondateurs : Smith
02:10 Les fondateurs : Ricardo
04:02 Les fondateurs : Malthus
05:22 Les fondateurs : Say
05:58 La rupture marxiste : Produire la richesse sans en profiter
08:39 La rupture marxiste : Le laboratoire soviétique
10:12 Keynes : Quand la machine s’arrête
11:10 Keynes : L’équilibre de Say s’effondre
11:40 Keynes : L’anatomie d’une panne
13:30 Keynes : Le New Deal : la preuve par l’expérience
14:15 Keynes : La guerre comme keynésianisme involontaire
14:41 Keynes : Les Trente Glorieuses: l’âge d’or
15:29 Keynes : 1973 : la première fissure
16:02 Keynes : Le plan Mauroy : les fenêtres ouvertes
17:01 Friedman : Trop de monnaie tue la monnaie
17:23 Friedman : Ce que Friedman avait compris
18:31 Friedman : Le choc Volcker : tuer l’inflation
19:15 Friedman : Le laboratoire chilien
20:21 Friedman : L’héritage
20:53 2008 : Quand le système s’effondre
21:36 2008 : Aucun mode d’emploi
22:29 2008 : Mais Keynes ne gagne pas vraiment
23:46 Libertarianisme : L’État est le problème
24:12 Libertarianisme : Hayek avait tout prévu
25:10 Libertarianisme : De Vienne à la Silicon Valley
25:59 Libertarianisme : La boucle se referme
Bibliographie :
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In real estate, high minimum investments aren’t just a barrier to entry—they’re also a barrier to diversification. Whether you buy investment properties directly or invest passively in syndications, funds, or JV partnerships, you likely need to cough up $50,000 to $100,000 or more. That includes the down payment, closing costs, and initial repairs, or the required minimum set by the operator.
Those kinds of minimums make it really hard to diversify. This is why I invest $2,500 to $5,000 at a time instead, as a member of a co-investing club. By doing so, my returns form a healthy bell curve, reducing my risk and letting me approach real estate investing more like stock investing.
All investments come with risk. Some inevitably underperform, others overperform, and most land somewhere in the middle of the returns bell curve.
As real estate investors, we do our best to analyze and understand the risk of any given investment. But we can’t eliminate it entirely.
Of the 54 passive real estate investments I’ve made, four have underperformed badly. Others have surpassed expectations. That’s investing.
But when I invest $5,000 at a time, I don’t lie awake at night chewing my fingernails when one of them goes sideways. That wasn’t true when I was investing $50,000 to $100,000 in properties as an active investor. Back then, I had plenty of sleepless nights.
Nowadays I just average out the returns at the end of the year, knowing that occasionally a deal will stumble, even as another overperforms.
In my co-investing club, the combined average return of all deals is 16.39%. That includes both realized returns on the deals that have gone full cycle and the projected returns on the deals that are still running.
Stock indexes like the S&P 500 work the same way. Even in good years for the market, typically 25% to 30% of the stocks in the index lose money. In bad years, that number can look more like 75%. Over time, however, the S&P 500 has generated an average annual return of around 10%.
That’s pretty good, and I do put around half my money in the stock market. But I still do better with my private real estate investments.
Because I invest $2,500+ at a time in real estate investments, I can create an incredibly diverse portfolio.
That starts with property type. I own an interest in over 5,000 multifamily units, but I also have exposure to industrial properties, retail, raw land, mobile home parks, single-family homes, and hotels.
We also diversify geographically. All these properties are spread across the entire U.S. We even invested in a project in Canada.
I also invest in both equity and debt. While many of my investments are private equity real estate syndications or private partnerships, sometimes the co-investing club invests in secured notes at a fixed interest rate. Most recently, we invested with a land operator on a note paying 15% interest, secured by real property at a 55% LTV.
Then there’s the time commitment. Most real estate investments are long-term, often five years or longer. But our co-investing club goes out of its way to find some shorter-term investments as well. That 15% note has a term just over one year.
By mixing this up, we ensure our money comes back in staggered amounts, rather than all at once in a tax-heavy wave.
Most investments we make come with huge depreciation write-offs in the first year, typically 65%-80%. These help offset other taxes on investments.
This helps us practice the “lazy 1031 exchange” strategy. As one investment goes full-cycle and pays us out, we’ll owe taxes on the profits. But by making a new investment in the same calendar year, the depreciation write-off helps offset those taxes.
And because we vet one or two new investments every month, we always have new investments on the table to put our money back to work.
Because I invest $2,500+ in each new deal, I can practice dollar-cost averaging, investing in at least one new real estate deal every month.
You would have to be fabulously wealthy to invest $50,000 every month in a new deal. But dollar-cost averaging helps protect me from timing risk. Just as with stocks, no one knows where the market will go next (even though too many investors think they do).
I invest in stock index funds every month, specifically to avoid timing the market. I do the same thing with my real estate investments, as a slow-and-steady drip of new investments.
Sometimes market timing turns against me (like in 2022). More often, it moves in my favor. But by investing steadily every month, I take my emotions out of the equation and focus on “time in the market” rather than “timing the market.”
Bonds serve several purposes in the average investor’s portfolio:
But people have a misconception that bonds are low risk. Sure, bonds have low default risk, but they have high inflation and interest rate risk.
The real estate investments I make through the co-investing club often achieve all three of those purposes of bonds. Many syndication investments pay distributions in the 6%-10% range as part of the 14%-18% total annualized returns, including profits at the sale. And the notes we invest in pay 14%-16% in interest income every quarter.
They all share a low correlation to the stock market, for real diversification (unlike REITs). And many are recession-resilient.
Plus, real estate protects against inflation, unlike bonds, whose returns get directly eroded by it.
Investing in real estate instead of bonds helped me go from broke to millionaire in less than seven years. And investing small amounts, month in and month out, helps my returns form a bell curve that protects me from outlier underperformers.
No matter how good you get at evaluating risk, you’ll never completely eliminate it from your investments. Instead, invest in many different types of real estate in many markets across the country, along many different timelines. Occasionally one will miss—but the law of averages will not only protect you but also sweep you forward with excellent returns over time.
The US Securities and Exchange Commission has sent subpoenas to major Wall Street banks regarding the hedge fund Situational Awareness, according to people familiar with the matter.
The information being sought is related to the trading activity of the hedge fund, which came under pressure and was forced to exit many of its positions last month, said the people, who asked not to be identified discussing a confidential matter. The New York Times earlier reported on the SEC’s subpoenas.
Read More: The 24-Hour Race to Salvage Situational Awareness’ AI Bets
A spokesperson for the SEC declined to comment. An SEC inquiry doesn’t mean that a firm or individual is the focus of an investigation and a probe by the regulator can end without an enforcement action.
The fund began liquidating some of its equity positions as it faced a barrage of margin calls during last month’s AI stock rout. Ken Griffin’s Citadel stepped in to buy the bulk of its public stock bets.
“It is to be expected that regulators would closely examine any funds that are high profile, produce significant returns, or have particularly dramatic drawdowns,” Situational Awareness said in a statement on Monday. “We are a highly-regulated business and will cooperate to the fullest extent with any regulatory request.”
JetBlue has announced that the Boston Logan International Airport (BOS) Blue House lounge will open on Thursday, August 27, 2026 5 a.m. ET. This is the second JetBlue lounge, with the first opening at JFK Terminal 5 late last year.
In addition to this JetBlue has announced that Mint & Mint Flex customers will now have access to these lounges. Previously only Mosaic 4 members and JetBlue Premier Cardmembers (each with upto 1 guest) as well as JetBlue transatlantic customers traveling in Mint had access.
This Side Hustle Q&A features Colleen Sundlie, 50, of Moscow, Idaho. Sundlie is a mom of five and founder of Date Lady, a line of better-for-you organic date products including syrups, spreads, sauces and sugar. The products are manufactured in a facility based in Springfield, Missouri. Sundlie has grown the business for 15 years. Date Lady exceeded $2 million in annual revenue in 2021, hit $6.8 million within the next four years and is anticipating $10 million this year. Responses have been edited for length and clarity.
When did you start your side hustle, and where did you find the inspiration for it?
Years ago, while living overseas in Al Ain, UAE for my husband’s work, I came across a market selling pure date syrup. Dates are very much a part of the culture there. Everywhere you go you are offered dates and Arabic coffee. The malls and local souks were also full of varieties of all kinds, very different from what you see here in the U.S., where most people have only tried the two main date varieties.
The fateful day I spotted date syrup on a market shelf, I pulled it off to investigate. The Emirati ladies standing around who were admiring my baby in tow started telling me it would be good for my baby and about how their ancestors had used it for many years. I took it home and was blown away by the flavor profile. The more I researched it, the more I realized that it had a really high nutritional value.
When we moved back to the states, I couldn’t find it anywhere. That was the moment I knew I had to figure out a way to bring the date syrup we loved to the U.S. It seemed like a no-brainer for the American market, and I needed to be able to buy it locally myself!
What were some of the first steps you took to get your side hustle off the ground? How much money/investment did it take to launch?
First, we researched the market to make sure a brand wasn’t already doing it. The only place I could find it was in obscure import stores, and it often contained sugar, which it did not need. My husband and I flew to Nuremberg, Germany for BioFach (a major natural/organic food show) to meet our first potential supplier and then to Dubai for Gulfood. I think we spent around $5,000 for that trip and around $60,000 to bring our first shipment into the U.S. and create a small space to bottle it.
Are there any free or paid resources that have been especially helpful for you in starting and running this business?
Friends, family and our local bank! All were so supportive and backed us not only with enthusiasm, but also with investment — and I’m sure it seemed like a pretty crazy idea to some of them.
If you could go back in your business journey and change one process or approach to save you time, energy or just a headache, what would it be, and how do you wish you’d done it differently?
We’ve been blessed to take it slow and learn as we go. Sometimes I think we should have taken venture capital or really laid out our exit strategy from the beginning, but the truth is that I’m not sure the market was as ready for us then as they are now, and it was a busy season of life, so I’m not sure we could have handled the pressure anyway.
Growing slowly allowed us to really figure out how to make things work and escape a load of debt. When we made a mistake, there wasn’t as much on the line, and every little mistake we made along the way has played a role in greater success because we’ve learned from it. I’m not sure I’d change a thing.
When it comes to this specific business, what is something you’ve found particularly challenging and/or surprising that people who get into this type of work should be prepared for, but likely aren’t?
Playing in brick and mortar comes at a major cost. It’s true that you can get in front of grocery buyers without hiring a sales person or broker, but when trying to scale, brokers bring relationships and value that come with years in the business that you do not have. You may have the most interesting product in the world, but unless you are willing to put funds towards slotting (placement) fees, marketing promotions and provide a free case of product for each store starting out, your chances are slim. Then once you get into the stores, you must work with distributors, which brings more expense and fees to the table.
Can you recall a specific instance when something went very wrong — how did you fix it?
We processed 60,000 pounds of dates in California and ended up with a syrup that was higher in a naturally occurring acid than normal and nothing like the date syrup we knew and loved from the Arabian peninsula. Being a young company, it seemed like a huge loss. It was still an interesting product, high in nutritional value. Instead of going to waste, I started experimenting with it. I ended up with a BBQ sauce that I was really excited about. I was already using date syrup to create recipes for my family, so it was not difficult to create it. And it became one of our hero products.
How long did it take you to see consistent monthly revenue? What does growth and revenue look like now?
We saw consistent revenue within the first year but it took us a handful of years to become profitable.
By 2021, Date Lady annual revenue had surpassed $2 million. Over the next four years, that grew to almost nearly $7 million. Our goal for this year is $10 million.
How much time do you spend working on your business on a daily, weekly or monthly basis?
It depends a lot on what is going on at home for me. We have five kids, and there are school activities, sports, etc. I have always tried to work around that, so probably very unconventional, but it has worked. A typical day lately looks like getting the kids out the door for school, sitting down to catch up on emails, a meeting or two, reading group at the school, walking our Mastiff who is missing the kids at school, hitting some email again, slamming out a series of bench testing for a new product we’re working on and then school pick up. I will usually check email once more in the evening and sometimes do a little more bench testing after everyone’s in bed.
What is your best piece of specific, actionable business advice?
Really dial in on the cost of goods sold (COGS) and lay out your projections and expenses for the next few years. Make sure you see profit in your future. Stay true to who you are. For example, we never used a formula provided by consultants to produce our products; we produced them in my kitchen. Most companies would not consider this even an option, but it has allowed us to create unique products without typical flavors and additives, and that has really become part of our success.
This Side Hustle Q&A features Colleen Sundlie, 50, of Moscow, Idaho. Sundlie is a mom of five and founder of Date Lady, a line of better-for-you organic date products including syrups, spreads, sauces and sugar. The products are manufactured in a facility based in Springfield, Missouri. Sundlie has grown the business for 15 years. Date Lady exceeded $2 million in annual revenue in 2021, hit $6.8 million within the next four years and is anticipating $10 million this year. Responses have been edited for length and clarity.
When did you start your side hustle, and where did you find the inspiration for it?
Years ago, while living overseas in Al Ain, UAE for my husband’s work, I came across a market selling pure date syrup. Dates are very much a part of the culture there. Everywhere you go you are offered dates and Arabic coffee. The malls and local souks were also full of varieties of all kinds, very different from what you see here in the U.S., where most people have only tried the two main date varieties.
The fateful day I spotted date syrup on a market shelf, I pulled it off to investigate. The Emirati ladies standing around who were admiring my baby in tow started telling me it would be good for my baby and about how their ancestors had used it for many years. I took it home and was blown away by the flavor profile. The more I researched it, the more I realized that it had a really high nutritional value.
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Education Secretary Linda McMahon joined President Trump at the White House Rose Garden on August 24 for a back-to-school event framed around what she called “a return to common sense in American education.” Her prepared remarks centered on three items: the Education Freedom Tax Credit, six state waivers freeing more than $100 million from federal spending rules, and a record 25 states using Ed-Flex authority.
McMahon said Americans have spent $3 trillion on a federal Department of Education while only 30% of students read or do math proficiently. An analysis of federal data shows only 31% of fourth graders scored at or above NAEP Proficient in reading on the 2024 Nation’s Report Card. For context, the $3 trillion figure is a Department talking point covering cumulative spending since 1980, not an annual number.
.@EdSecMcMahon: “This school year, American parents and students have so much to be excited about because the Trump Administration is steering education back to its rightful focus: serving students so that they are prepared for successful futures.” pic.twitter.com/KbyglnaxFu
— Rapid Response 47 (@RapidResponse47) August 24, 2026
Starting January 1, 2027, taxpayers can claim a dollar-for-dollar federal credit of up to $1,700 for donations to scholarship granting organizations, called the Education Freedom Tax Credit. These scholarship provides, in turn, can provide scholarship dollars to help offset the cost of private school.
Scholarships go to students in households under 300% of area median gross income – which is a threshold so wide that 51.7 million children qualify, or roughly 92% of school-age kids. Funds cover tuition, books, tutoring, transportation and technology, and public school families are eligible.
The event caps a year in which the Department shifted special education oversight to HHS and civil rights enforcement to the Justice Department, issued guidance barring race-based school discipline, and drew a House resolution seeking McMahon’s impeachment over the dismantling effort.
McMahon has defended that record before House lawmakers, while state teachers unions argue funding consolidation reduces transparency and pulls money from high-need districts.
Treasury and IRS are still crafting the final rules on scholarship granting organization certification before the January 2027 launch, and states must submit qualifying SGO lists by January 1 each year.
Watch whether 30 Senate Democrats’ repeal push gains traction after the midterms, and whether House Republicans’ bill to close the Department moves forward.
Editor: Colin Graves
The post McMahon Touts $1,700 School Choice Credit At Trump Back-To-School Event appeared first on The College Investor.
Dillon John brings a strong background in the mortgage industry, financial markets, and mortgage-related technology to his role as a Mortgage Loan Originator. His experience includes working extensively with mortgage-backed securities and analyzing complex financial markets, giving him a deep understanding of the mortgage industry and the factors that impact the lending process.
Dillon also has hands-on experience developing mortgage workflow systems designed to organize borrower documentation, track loan status, and streamline follow-ups. This combination of financial expertise and process knowledge allows him to approach each loan with attention to detail and a clear understanding of the steps involved.
Known for his ability to communicate clearly and work closely with clients, Dillon focuses on understanding each borrower’s needs, explaining their options, and helping them navigate the mortgage process with confidence. His analytical approach, responsiveness, and commitment to client service make him a valuable resource for borrowers throughout their home financing journey.
