Zdrada i porzucenie przez męża doprowadziły ciocię do ciężkiej depresji. Choć wrócił, nigdy nie odzyskała poczucia godności i bezpieczeństwa. Niezależność finansowa to fundament. #NiezaleznoscFinansowa #Kobiety #SilaKobiet #LekcjeZycia #Finanse
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Offer at a glance
Direct link to offer, don’t share referrals in the comments below. They can be shared in this linked post.
Neither account has any monthly fees to worry about.
I wasn’t able to find a fee schedule so unsure if there is any EATF, given there is no monthly fee and you can refer people might as well keep open for 6-12 months at least.
This has all the makings of a bonus that will die quickly:
Hopefully it’s not too ChexSystems sensitive. We will add this to our list of the best bank account bonuses. Please do not share referrals in the comments below, they can be shared in this linked thread.
Hat tip to reader ShawntheShawn
Useful posts regarding bank bonuses:
This article is presented by Rent to Retirement.
Half the investors I talk to are doing the same thing right now: nothing. They are sitting on cash, refreshing the rate trackers, and waiting for the Federal Reserve to hand them a 5% loan like a party favor.
The logic feels safe. Why buy at 7% when 5% might be right around the corner?
Here is the problem with that plan: By the time rates actually drop, the discount disappears. Prices climb, and competition floods back in. The deal you could have grabbed quietly in a slow market turns into a bidding war the second money gets cheap.
You did not save money by waiting. You just paid for it a different way.
Meanwhile, a smaller group of investors has stopped waiting. They are buying rentals today at rates that start with a 4. A few are touching the 3s.
They are buying a specific kind of property and using it to manufacture a rate that the rest of the market thinks is impossible right now. Let me show you the move.
As of mid-2026, investment property loans are running somewhere around 7.1% to 7.6%. That is roughly half a point to a full point above what an owner-occupant pays, which has always been the tax on borrowing for a rental.
At those numbers, a lot of resale deals just do not pencil. You run the property at 7.5%, the cash flow limps in at $40 a month, and you decide it is not worth the headache. So you wait. (We have all done it.)
But the rate on the sheet is just a starting point. And on new construction, you have a lever that resale buyers mostly do not.
Here is the part that gets skipped. Builders hate sitting on finished inventory. Every month that a completed home goes unsold, it costs them.
But they also do not want to slash the sticker price because a public price cut drags down comps for every other home in the community. So instead, they hand out closing credits.
Most buyers treat that credit as free money for a fridge upgrade. Investors treat it as ammunition. Take that builder credit and point it straight at your interest rate.
That is a buydown. Somebody pays an upfront cost at closing, and in exchange, the rate drops. The trick is that somebody often is not you. You redirect the builder’s concession into the buydown instead of haggling over price.
There are two ways to structure it, and both have a place:
Pair a motivated builder with a smart buydown structure, and the results stop looking like the 2026 landscape. Some investors working new construction inventory have stacked builder credits with buydowns to land rates near 4%, and a few have slipped into the 3s. Same market and Fed—completely different payment.
You cannot really run this play on a tired resale, for reasons that go beyond the rate.
Start with the down payment. A lot of new build-to-rent inventory can be bought with 5% down. Some programs go lower. Compare that to the 20% to 25% a bank wants on a standard investment property, and the gap is enormous.
On a $280,000 home, 5% down is $14,000. At 25% down, it is $70,000. This means $56,000 you keep in your account, which is the difference between buying one rental and buying four. (Leverage is the entire game. We just forget it, the second high rates spook us.)
Then there is the stuff that quietly eats away at resale investors, such as deferred maintenance. You buy the charming 1980s ranch at a “discount,” and 18 months later, you are cutting checks for a roof, an HVAC system, and a water heater that all decided to retire in the same quarter.
New construction does not have a year two capex cliff. Everything is new and under warranty, and your reserves stay in your pocket where they belong.
New homes also tend to have lower prices because modern code means a lower risk profile. And tenants do not pay a premium for vintage wiring or “character.” They pay for a place where the dishwasher works and the AC does not sound like a propeller plane.
Charm does not cover the mortgage. A working house does.
Let me put real numbers on it. These are example figures to show the mechanics, not a quote, and obviously, every market is different.
The resale play:
The new construction play:
The resale looks cheaper on the sticker, but it is not cheaper to own. The new build has you in the door for a fraction of the cash, with a lower payment and no surprise repairs draining your account.
Run the cash-on-cash return, and the “expensive” house wins, usually by a lot. The cheap house was never cheap. It just billed you later.
One more financing note: If your personal debt-to-income ratio is tight, a lot of these properties also qualify for a DSCR loan, which underwrites the deal on the property’s own rental income instead of your W2 and tax returns. New construction in a strong rental market tends to pencil cleanly on a DSCR basis, one more reason this inventory keeps moving while resale buyers stall.
(Standard disclaimer and a real one: Real estate carries risk. Vacancy, market shifts, tenant issues, and the rest are all real. Run your own numbers on your own deal before you wire anything.)
Manufacturing a 4% rate on a new build is great, but doing it in a market 1,500 miles away that you have never set foot in is where most people tap out.
This is where a turnkey partner earns its keep. The whole point of turnkey properties is that they are already built or renovated, have management lined up, and you are buying a finished income stream rather than a weekend project.
Rent to Retirement operates in more than 90 markets, with financing, buildout, and property management under one roof. You are picking a market and deploying capital, not flying out to interview contractors.
I am not going to pretend this is for everybody. If you love the hunt and want to swing hammers and force appreciation on a distressed flip, a new construction turnkey property will feel slow and boring to you. Go buy your fixer. Have fun. Send pictures.
But if you are a busy W2 earner, an out-of-state investor, or someone who has the capital and the credit but not the time or the desire to babysit a renovation, this is close to the cleanest entry point in the game right now:
Stop pricing your entire strategy around a rate cut that may or may not show up and that every other investor on your feed is waiting for, too.
The people who will look smart in two years are the ones moving now, while builders are still motivated and handing out credits can turn into a rate that starts with a 4. The window for that is the slow stretch right before the day rates drop—which happens to be the stretch we are in.
The deal does not get better when money gets cheap. It gets more crowded. Buy the inventory while the incentives are still on the table.
Anne Hathaway has a warning for anyone using ChatGPT to help write their job application thank you notes: She can tell.
In the age of AI, it’s never been easier to apply for thousands of roles at once. But as the Oscar-winning actress revealed while hiring for a recent role, it’s never been easier to get caught, either.
“I was in the process of hiring someone, they were all very nice candidates, and they all sent me thank you notes,” the Devil Wears Prada star recalled in an interview with Hits Radio, before adding that every single one was written by AI.
How could she tell? “They were all the exact same thank-you note,” Hathaway said.
When the first one came in, she thought “how nice, how professional,” but when the ones landed in her inbox, word-for-word identical to the first, the penny dropped fast.
“I was like, oh no… I see something I’m not supposed to see,” Hathaway added. “So I just want to warn you: If you’re out there thinking that you’re getting away with something, there’s a chance that you might be revealing yourself.”
And while she was able to see the funny side, her co-star Meryl Streep, who also sat in on the interview, voiced exactly what bosses in that scenario may be thinking.
“So many Anne Hathaways that you’re going to apply to—you just can’t write it yourself,” Streep rolled her eyes. Indeed, a few minutes of effort really could be the difference between getting the job and getting ghosted. And when it’s a rare once-in-a-lifetime opportunity, as Streep pointed out, the lack of effort doesn’t go unnoticed.
“Oh my god, that would be an absolute killer,” she added. “Nobody on that list gets that job.”
As young people stare down an uncertain economy, a wave of AI-driven redundancies, and the worst job market we’ve seen in 37 years, the pressure to automate writing thank-you notes is understandable.
For many candidates applying to hundreds of roles simultaneously, AI-written thank you notes aren’t laziness—it’s the only way to navigate what’s being described by experts, a “hiring nightmare.”
Plus, the thank you note was already contentious, with many arguing it’s expecting candidates to do free work on top of an already gruelling process, including multiple-stage interviews, aptitude tests and even secret personality assessments.
The problem is that when everyone uses the same tools, with the same prompt, to regurgitate the same sounding note, they don’t just fail to stand out—they actively look uninvested in the company and the role.
And in a job market where one young man with a master’s degree applied to thousands of positions for over six months without a single callback, there are so few ways to stand out among the millions of unemployed young people fighting for a job. The extra bit of effort it takes to hand-write a note could be an easy win, especially as one Gen Z hiring manager pointed out that they’re few and far between these days.
“It really takes two seconds, and clearly … people aren’t sending them, so you will stand out if you send a thank-you to your interviewer after you get off the call,” Sophie Rocha, who works in marketing for the Gen Z careers platform Home From College, insisted.
Unfortunately, many conventional mortgage programs leave borrowers behind after a bankruptcy, foreclosure, or major credit event. Conventional lenders often require lengthy waiting periods that can prevent borrowers from purchasing or refinancing when they are financially ready to proceed. We offer Non-QM Second Chance financing solutions for borrowers who need another opportunity sooner rather than later. A recent credit event does not always define a borrower’s future.
Eligible As Soon As 1 Day After Bankruptcy Or Foreclosure
Unlike many conventional programs that require years of seasoning, eligible borrowers may qualify as soon as one day after a bankruptcy or foreclosure, depending on the overall scenario. This creates opportunities for borrowers who have already stabilized financially and are ready to purchase a home, refinance, or invest again.
Non-QM Income Options
One of the strongest advantages of our Second Chance Program is income options. We specialize in Non-QM financing solutions for borrowers whose income may not fit inside conventional agency guidelines. Eligible income documentation options may include the following.
These programs are especially helpful for self-employed borrowers, business owners, independent contractors, and commission-based professionals who often have difficulty qualifying through conventional underwriting.
Investment Properties Are Also Eligible
Many borrowers assume that recent credit events automatically eliminate investment property financing opportunities. That is not always the case. Our Second Chance Program may also allow financing for investment properties, depending on the scenario. Program highlights include the following.
These guidelines help borrowers re-enter the market sooner while rebuilding long-term wealth through real estate ownership. Our expertise in Non-QM financing allows us to evaluate borrower profiles that may include recent credit events, self-employment income, high debt ratios, investment properties, or unique documentation situations.
If you previously had credit issues stemming from bankruptcy or foreclosure, we can help. Contact us.
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CoinGecko has indicated that the cryptocurrency and blockchain sector has undergone significant fundamental expansion between early 2024 and mid-2026, with certain categories experiencing very steady growth in the number of listed tokens. According to CoinGecko’s analysis of monthly listings through May 31, 2026, decentralized finance (DeFi) maintained its position as the dominant non-meme category.
It reached 2,328 coins, marking a substantial 324% rise from 549 coins in January 2024.
A key highlight is the accelerating integration of traditional finance elements into blockchain ecosystems.
Tokenized stocks recorded the most dramatic surge, climbing from just 14 coins to 478—a staggering 3,314% increase.
Real World Assets (RWA) followed closely, expanding from 64 to 1,282 coins (+1,903%).
These developments point to a broader movement toward bridging conventional assets with decentralized technology, gaining momentum particularly from late 2024 onward.
Artificial Intelligence (AI) also stood out, becoming the second-largest category by May 2026 with 1,798 coins, up 1,140% from 145.
This growth allowed AI to overtake Gaming (GameFi), which ended the period with 1,379 coins (+263%).
The AI sector’s momentum began in October 2024, fueled by the debut of the AI-themed memecoin Goatseus Maximus (GOAT). Its expansion mirrored global interest in advancements from companies like OpenAI, Anthropic, and Nvidia.
In crypto, this translated into a mix of AI-branded speculative tokens and innovative on-chain AI agents that drew developer and investor attention.
Memecoins represented a vibrant, parallel narrative. Across ten subcategories, CoinGecko tracked 3,287 coins by the end of the study period. Dog-themed tokens led with 1,055 listings, accounting for over 32% of the top memecoin subcategories.
This group exploded in mid-2024, quadrupling in June alone amid hype around Solana-based projects tied to DOGE and WIF rallies.
While growth slowed in 2026, dog coins solidified their cultural dominance.
AI Memes proved to be a breakout performer starting late 2024. Starting from virtually zero, the subcategory jumped to 499 coins by May 2026, securing third place.
This reflected the fusion of mainstream AI enthusiasm with crypto’s love for high-risk, community-driven plays. Another notable newcomer was The Boy’s Club, which appeared suddenly in July 2024 and grew to 346 coins, capitalizing on frog-meme aesthetics and internet culture.
Political-themed memecoins (PolitiFi) showed a sharp but temporary spike, peaking at 125 coins around the November 2024 U.S. elections before stalling completely at 127.
In contrast, Chinese-themed memes emerged in early 2025, reaching 117 coins by mid-2026, boosted by platforms like Four.meme and renewed BNB Chain activity.
Other notable non-meme categories included DEX tokens (655 coins), stablecoins (573), Layer 1s (541), and Layer 2s (165), all demonstrating healthy but varied expansion.
This data now underscores evolving market priorities. That being, deeper TradFi integration, AI innovation, and the enduring power of meme culture. CoinGecko has now concluded that as the crypto and blockchain industry matures in 2026, tokenization of real-world value and narrative-driven sectors are likely to shape future growth trajectories.
Borrowers and advocates watching the American Federation of Teachers v. U.S. Department of Education docket may be wondering where June’s student loan status report is. The answer: there isn’t one, and there was never supposed to be.
The monthly status reports became one of the few public windows into how fast the Department of Education was processing income-driven repayment (IDR) applications and Public Service Loan Forgiveness (PSLF) buybacks.
With the court-agreed upon requirement now satisfied, that window may close — at least until a federal judge decides whether it should stay open.
Under the October 23, 2025 order (PDF File), the Department agreed to file exactly six status reports. The first was due 30 days after the federal government’s appropriations lapse ended, with each subsequent report due every 30 days after that.
That schedule produced six filings, dated December 15, January 14, February 13, March 16, April 15, and May 13 (with a supplemental follow-up May 19). The sixth report on May 13 was the last one the settlement required.
No June report was missed, because none was owed.
Each report had to disclose, for the prior calendar month:
The first report also had to explain how the Department identified borrowers eligible for IDR discharge and how many IBR applicants were denied after July 4, 2025, for lacking a “partial financial hardship.”
The reports have been a key source of information for borrowers to understand how quickly IDR applications and PSLF buyback applications were processing.
The same order says that after the sixth report, the parties “shall confer about the need for further reporting” and, if necessary, tell the court where they stand. That sets up the next hearing on July 8, when the judge can decide whether the Department keeps filing these monthly disclosures or the reporting obligation ends for good.
These filings were the source for some of the starkest data on the student loan backlog.
The Department’s own reports showed IDR applications pending in the hundreds of thousands (roughly 530,295 still waiting as of May 2026) and described how it is processing time-based forgiveness in every-other-month increments.
The timing matters for the millions of borrowers caught in the SAVE plan limbo and those weighing a move to IBR, PAYE, or the new Repayment Assistance Plan (RAP) taking effect in July 2026. If the July 8 hearing ends the reporting requirement, borrowers and watchdogs may lose their clearest month-to-month read on whether the backlog is actually shrinking.
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Editor: Colin Graves
The post Where’s the June Student Loan Status Report? The Settlement Only Required Six appeared first on The College Investor.
After all of the hype, speculation, and doubts, Space Exploration Technologies Corp (SPCX 5.22%) has officially completed its initial public offering. The company raised nearly $86 billion after underwriters on the deal exercised the greenshoe, allowing them to purchase additional shares from the company.
SpaceX had surpassed a $2.5 trillion market cap (as of June 15). The IPO is the largest in history and closed the book on the many naysayers who wondered if the company could raise so much money at an initial valuation of $1.77 trillion.
Still, this is only the beginning of what’s likely to be a very closely watched public company, given its space-related businesses and its already high market cap of over $2 trillion. Investors will want to keep a close eye on this one. Here are all of the key dates to watch over the next 180 days.
Image source: Getty Images.
One appealing feature of the SpaceX IPO is that it will soon be added to many major market indexes, which have added fast entry provisions and removed eligibility requirements to enable SpaceX’s inclusion.
When an index adds a new stock, every index fund and exchange-traded fund (ETF) must also buy the stock, creating demand.
Aside from the broader benchmark S&P 500, which SpaceX won’t be able to join for a year, the stock is expected to be added to most major U.S. market indexes within its first three weeks of trading, according to Jacob Friedman of Focused Wealth Management.
But even before this, options and leveraged ETFs for SpaceX are expected to begin on June 16. Options allow investors to make bets on what SpaceX’s price will be on a given date in the future, giving them the right, but not the obligation, to buy the stock at that time.
Options add liquidity to a stock and, therefore, can narrow its bid-ask spread. Levered ETFs are ways to increase your exposure to a stock, so gains or losses are exaggerated, depending on how a stock moves. These are incredibly volatile and are only recommended for the most sophisticated of investors.
While it’s a bit of a moving target, here are the dates SpaceX is expected to join many of the major indexes:
While inclusion in various indexes is a positive for the stock because it drives forced buying and thereby heightened demand, the expiration of lock-up provisions will be a negative for the stock because it leads to more shares flooding the market.
Lock-up provisions dictate when company insiders and employees who have held company stock can sell their shares. SpaceX has a unique, staggered approach.
The first key date for the lock-up expirations will be shortly after SpaceX releases its second-quarter earnings results for the three months ended June 30. An exact date has not been set, but the results are expected to be released around late July or early August, according to Morningstar.
Eligible insiders will be able to sell 20% of their shares on or after the second full trading day following the release of the results. If the stock trades above $175.50 (30% above the IPO price), insiders can sell an additional 10% of their shares.
Insiders will also be able to sell an additional 7% of their shares on or after the following dates:
All remaining insider shares can be sold 180 days after the IPO, which is scheduled for Dec. 9.
It is all these inclusion and lock-up expiration dates that make the SpaceX IPO so tricky, as they create artificial demand and excess supply. Perhaps they balance one another out somewhat, but I still think it will be difficult to get a true idea of how the market really values the company until after all of these events occur.
That’s why investors might be best served by waiting until after the first 180 days have gone by before deciding whether to purchase the stock.
