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BMO launches two AI tools in fiscal 3rd quarter


BMO is investing in AI and launching new solutions to build deeper relationships with clients.  “We’re seeing tangible value from AI in several areas, including decisioning, customer experience, software development and employee productivity,” Chief Executive Daryl White said during the bank’s fiscal third-quarter earnings call today. However, during the quarter, BMO reported 2.5 million interactions […]



How To Invest For Teenagers



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If you ever wanted to know how to invest as a teenager, this is the video for you. My best investing advice for teenagers – Enjoy!

00:00 How To Invest As A Teenager
00:43 AGE 13 – Open An Investing Account
03:40 AGE 14 – Find Your Talent
04:52 AGE 15 – Stash Your Money
06:34 AGE 16 – Hone Your Skills
08:15 AGE 17 – Pass Your Driving Test
09:32 AGE 18+
10:04 Step One – Open A Bank Account
11:42 Step Two – Get A Credit Card
13:20 Step Three – Open Adult Investing Account
15:16 Step Four – Consider University
17:31 Step Five – Avoid Bad Debt
19:00 Step Six – Start A Side Hustle
20:13 Step Seven – Long Term Investing

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Does the SAVE Forbearance Count For PSLF?


Does The SAVE Forbearance Count For PSLF?

This question is about what payments and periods count for Public Service Loan Forgiveness.

When the 8th Circuit Court blocked parts of the SAVE income-driven repayment plan, borrowers enrolled in the plan were placed into an administrative forbearance. This pause temporarily stopped required payments and interest accrual (interest has since been turned back on). But unlike the pandemic-era payment freeze, these months do not directly count toward PSLF progress.

For borrowers relying on Public Service Loan Forgiveness after 10 years of payments, this pause has been a setback. Time in forbearance is not considered an active repayment period, so it cannot be applied toward the 120-payment requirement.

However, there is a workaround called PSLF Buyback that may be an option… but other setbacks and massive delays are causing issues with that option. 

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The Role Of PSLF Buyback

The Department of Education has created the PSLF Buyback Program, designed for borrowers who are close to completing their 120 qualifying payments. Under this option, individuals can retroactively make up for certain ineligible months, including those in the SAVE forbearance.

PSLF buyback is only eligible for certain periods of deferment or forbearance. The SAVE forbearance qualifies as one of them. 

To qualify, borrowers must:

  • Have worked full-time for a qualifying employer during the months in question.
  • Certify that employment through the PSLF Help Tool if not previously done.
  • Be within range of the 120-payment mark: buyback is only available if it would push the borrower across the finish line.
  • Make a lump-sum payment equal to what they would have owed under an income-driven repayment plan at that time.

The process is manual, and borrowers should expect significant delays. Current reports indicate that processing could take more than a year, leaving some uncertain about when loan forgiveness will finally be granted.

Should Borrowers Stay In SAVE Forbearance If They Want PSLF?

Whether to remain in SAVE forbearance depends on how close a borrower is to forgiveness.

  • Close to 120 Payments: If within a year of forgiveness, staying in forbearance and relying on buyback may make sense. However, this requires making up the skipped months later, often with a sizable lump-sum payment. It may also make sense to simply switch to IBR and begin making payments if you can afford it, because PSLF Buyback may take over a year to process – where as “regular” PSLF may be quicker by simply making payments.
  • Far From Forgiveness: Borrowers with several years left should consider switching to another income-driven repayment plan if they can afford the payments. Options like IBR or PAYE allow payments to continue counting toward PSLF without interruption. Since the buyback only applies near completion, those further away may be better off resuming payments now.
  • Not Pursuing PSLF: For borrowers seeking forgiveness under general income-driven repayment programs, the buyback option does not apply. Remaining in SAVE forbearance simply extends the timeline. You can wait or leave depending on your budget and ability to resume payments.

Key Takeaway

For public service workers pursuing loan forgiveness, the SAVE forbearance is a complicated detour. It may provide temporary relief, but it does not count toward PSLF progress on its own.

The PSLF Buyback Program offers a path forward, though it is limited, slow, and best suited for those nearing forgiveness.

Borrowers further from their goal may find it more practical to switch to a qualifying repayment plan now rather than rely on uncertain future corrections. However, individual budget considerations matter.

People Also Ask

Does the SAVE Forbearance count for PSLF?

The SAVE forbearance does not directly count for PSLF, but borrowers can use the buyback program to “buy back” eligible months during the SAVE forbearance.

Can I use PSLF buyback for the time in SAVE forbearance?

Yes, the SAVE administrative forbearance is an eligible forbearance for PSLF buyback.

Should I leave the SAVE forbearance if I plan on pursuing PSLF?

It depends. It may help you reach your goal faster to leave the SAVE forbearance. But whether you can afford it in your monthly budget will make the difference.

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The post Does the SAVE Forbearance Count For PSLF? appeared first on The College Investor.

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Southwest Airlines Announces Partnership With Eva Airways


Southwest Airlines Announces Partnership With Eva Airways

Southwest Airlines announced on Monday a partnership with Taiwan-based Eva Airways Corp. for transpacific flights. This is the airline’s second deal with a Taiwanese partner this month following China Airlines.

Dallas-headquartered Southwest announced in social media posts Monday that passengers can start booking and flying trans-Pacific itineraries with EVA Air through four initial gateways; Los Angeles (LAX), San Francisco (SFO), Seattle (SEA), and Chicago O’Hare (ORD).

Just like the partnership with China Airlines, the EVA Air arrangement is also just a basic interline agreement. That provides travelers a streamlined experience with connecting flights on a single ticket and check bags going to their final destination. But travelers will not receive any “reciprocal benefits, like free checked baggage and priority boarding”, as reported by NerdWallet.

6 Money Loopholes Used by the Rich That You Can Use Too


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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. The ultra-wealthy don’t pay their fair share—but it’s not illegal. They just know six specific loopholes that are hiding in plain sight, available to anyone smart enough to use them. We’re not talking about offshore…

Markets betting on short-term drop, long-term surge in rates after Fed board shakeup


“Thank you President Trump for your commitment to stopping mortgage fraud and following the law,” Pulte said. “If you commit mortgage fraud in America, we will come after you, no matter who you are.”

Jamie Cox, managing partner at Harris Financial Group, told CNBC that Cook’s removal is another step in Trump’s effort to remake the Federal Reserve.

“The President is going to remake the Board of Governors of the Federal Reserve over the next year, and he’s doing so in very unconventional ways – we’ve had a resignation and now a termination, opening the door to accelerate this change,” Cox told CNBC. “Trump has essentially usurped the Fed’s forward guidance function for the time being and is telling markets lower rates are coming, which is being manifest in a steeper yield curve, with short-term treasuries dropping like a rock.”

Claudia Sahm, economist and creator of the recession indicator, the Sahm rule, agreed on her X account that it was about Fed control. She criticized the move.

“This is a new attempt of the administration to gain more control over the Fed,” Sahm said on X. “They’re pulling as many different levers as they can find to get that control. Do not forget. It’s about control of the Fed. This is a very dark day.”



Why Cronos Is Skyrocketing Today


A major deal was announced today that sent Cronos flying.

Cronos (CRO 30.97%) is flying higher on Tuesday, up 24.9% in the last 24 hours as of 1:38 p.m. ET today. The spike comes as the S&P 500 and the Nasdaq Composite are little changed.

Cronos, the token of the major exchange Crypto.com, is jumping after news broke that Crypto.com and Trump Media & Technology are teaming up to create a new company that will acquire Cronos.

Trump Media will add Cronos

The parent company of Truth Social, Trump Media, will partner with Crypto.com to create a new entity that will be taken public via a SPAC deal. The entity will merge with Yorkville Acquisition and be listed under the ticker MCGA. The deal is funded with $1 billion in CRO tokens, $200 million in cash, $220 million in warrants, and an equity line of up to $5 billion from a Yorkville affiliate.

As part of the deal, Trump Media will purchase around $100 million in Cronos to add to its own books, while Crypto.com will buy roughly $50 million in Trump Media stock.

The deal to accumulate Cronos mirrors the same strategy by Trump Media to accumulate Bitcoin on its own books, which the company modeled after a strategy that was pioneered by Michael Saylor’s MicroStrategy (doing business as Strategy). However, this deal is unique in that the target asset is a relatively minor altcoin at least in comparison to Bitcoin or Ethereum, which most other companies have targeted to this point.

Image source: Getty Images.

While the news led to a rush of investors purchasing Cronos, I would stay away from this token for now. There is likely to be a lot of volatility around this deal, just as there is a lot of volatility around Trump Media stock. If you’re interested in investing in cryptocurrency, stick to Bitcoin or Ethereum.

Johnny Rice has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Bitcoin and Ethereum. The Motley Fool has a disclosure policy.

How The Finance Industry Destroys Economies



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Turn Your Voice Into Text Instantly with VoiceType AI


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Running a business often means ideas come faster than your keyboard can keep up. From mapping out project requirements to firing off client emails, leaders spend an overwhelming amount of time typing instead of executing. That’s exactly what VoiceType AI does.

It’s an AI-powered dictation tool that transcribes at up to 360 words per minute with 99.7% accuracy, making it 9x faster than the average typing speed.

With lifetime access now available for just $39 (MSRP: $154), VoiceType helps business leaders capture thoughts, notes, and strategies instantly—no matter which app you’re in. It works across the platforms you already use, including Slack, Google Docs, Notion, Outlook, Microsoft Teams, Trello, and more, so you don’t need to change your workflow.

This isn’t just dictation—it’s a writing assistant. VoiceType automatically formats your text with punctuation, grammar corrections, and even tone adjustments depending on the app. Need to draft a professional email? Done. Want a clean project doc in Notion? Easy. Even in noisy offices or while whispering on the go, VoiceType adapts to your environment for reliable results.

For entrepreneurs, consultants, and executives alike, it’s like hiring a personal scribe who never misses a beat. Whether you’re documenting meeting takeaways, planning your day, or drafting proposals, VoiceType ensures you get your thoughts into action at the speed of speech.

Because in business, speed and clarity aren’t just nice to have, they’re the edge.

Get a lifetime of VoiceType AI for just $39 (MSRP: $154) and save yourself time forever.

VoiceType AI Voice-to-Text: Lifetime Subscription

See Deal

StackSocial prices subject to change.

Running a business often means ideas come faster than your keyboard can keep up. From mapping out project requirements to firing off client emails, leaders spend an overwhelming amount of time typing instead of executing. That’s exactly what VoiceType AI does.

It’s an AI-powered dictation tool that transcribes at up to 360 words per minute with 99.7% accuracy, making it 9x faster than the average typing speed.

With lifetime access now available for just $39 (MSRP: $154), VoiceType helps business leaders capture thoughts, notes, and strategies instantly—no matter which app you’re in. It works across the platforms you already use, including Slack, Google Docs, Notion, Outlook, Microsoft Teams, Trello, and more, so you don’t need to change your workflow.

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