Loan से 10 Lakh के 50 Lakh कैसे बनाएँ ? | How to get rich with loan?
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Key Points
Sen. Bernie Sanders (I-VT) announced on August 17 that he will introduce the Stop Social Security Garnishment Act of 2026, a bill that would permanently bar the federal government from seizing Social Security payments to collect defaulted federal student loans. Senators Elizabeth Warren (D-MA) and Ed Markey (D-MA) are cosponsoring the bill, which comes as more than 9 million borrowers are in default (nearly 1 in 4 Americans with federal student loans).
The bill itself (PDF File) amends Title IV of the Higher Education Act to add a new Section 493E, which states that no payments due under the Social Security Act can be offset under the federal debt collection statute when a borrower defaults on a federal student loan. The protection would cover retirement benefits and Social Security Disability Insurance, and would take effect immediately if the bill passes.
Under the Treasury Offset Program, the government can currently take up to 15% of a monthly Social Security check to collect a defaulted student loan, as long as the borrower is left with at least $750 per month (Congress set this level in 1996 and never indexed to inflation). Senator Warren has estimated that roughly 450,000 seniors in default could lose over $2,000 per year in benefits if offsets resume at full scale.
The population at risk is not small. More than 3 million Americans over age 62 hold student loan debt, and older borrowers are one of the fastest-growing segments of student loan holders. Many are still paying on loans taken out for themselves or for their children through Parent PLUS loans.
Sanders’ fact sheet notes that over 40% of older workers have no retirement savings, nearly half of seniors live on less than $30,000 a year, and more than 1 in 3 Social Security recipients with student loans depend on their benefits to get by.
For borrowers in that position, a 15% offset can be the difference between making rent and missing it.
According to the fact sheet from Sanders’ office, the legislation goes further than past garnishment protections by writing the ban into the Higher Education Act itself. The bill:
Notably, the fact sheet points out that an estimated 1 in 5 Social Security beneficiaries with student loans may already qualify for a disability discharge but have never received it — meaning many borrowers facing a garnishment may have student debt that should have been forgiven.
The bill responds to a collections machine that has been restarting in stages. The Department of Education resumed involuntary collections in May 2025 after a five-year pause, then walked back Social Security offsets in June 2025 following public pressure.
Since then, wage garnishment has been slated to restart, and the Treasury Department has taken over student loan collections from the Education Department, putting the agency that runs the offset program in charge of the debt itself.
We’ve heard from some partners that collections has already restarted on defaulted HEAL loans and FFEL loans, and that collections on defaulted Direct loans will resume soon. In fact, some Redditors have recently posted about their loans being sent to collections.
Sanders’ office frames the bill as a response to the default surge following the end of pandemic-era protections and the SAVE plan’s collapse. The fact sheet cites data showing half of beneficiaries who had a check garnished over a defaulted loan skipped a doctor’s visit or went without a prescription because of cost.
Social Security offsets sit at the intersection of two problems we track closely: the record default cliff and the growing number of borrowers carrying student loan debt into retirement. With the average undergraduate borrower taking 17 years to repay, debt that follows borrowers to age 62 and beyond is now a structural issue of the system, not an edge case.
The bill faces long odds in a Republican-controlled Senate, and no committee action has been scheduled. Watch for whether it picks up bipartisan cosponsors, whether the Treasury Department restarts Social Security offsets this fall alongside wage garnishment, and whether the legislation gets attached to a larger package.
Editor: Colin Graves
The post Sanders Bill Would Ban Social Security Garnishment For Defaulted Student Loans appeared first on The College Investor.
The Canadian Real Estate Association says home sales in July were down compared with a year ago, but edged slightly higher month-over-month.
What came first—the chicken or the egg? Or in AI’s case, the investment or the revenue?
Nvidia is guaranteeing up to $105 billion for OpenAI’s planned data center campus in Pike County, Ohio, coming in lower than the roughly $250 billion guarantee it was considering, according to reporting by the Wall Street Journal and CNBC.
The deal moved through at least two known checkpoints before landing at its final size: the Journal reported August 14 that Nvidia had already cut the guarantee to “less than $120 billion,” before the companies settled on $105 billion when the partnership was signed Monday. Nvidia disclosed the final figure—an “aggregate payment obligation” capped at $105 billion—in an SEC filing tied to the announcement. The partnership deal was signed yesterday. The reduction represents a recurring concern among AI investors—the circular cycle of money in the AI ecosystem.
Nvidia and OpenAI did not respond to requests for comment from Fortune.
The Ohio data center is a test of whether the AI boom can generate enough outside revenue to justify the spending being financed from within the AI industry. There is already evidence of market concern from the deal. When reports surfaced in July that Nvidia could guarantee as much as $250 billion, the company’s shares fell about 4.5% intraday from investor reaction to concerns of circular financing.
Reuters also noted anxiety about the sustainability of AI investment remains despite record market performance, with investors increasingly focused on enormous capital expenditures, rising debt and uncertainty over when that spending will generate returns.
Nvidia’s funding is designed to help SB Energy, the SoftBank-backed company developing the campus, secure financing by supporting certain lease and power payments and guaranteeing the value of parts of the completed infrastructure if OpenAI were to default. The structure of the deal substantially reduces Nvidia’s financial exposure to risk.
The rollback comes as Nvidia faces growing questions about a financing model in which the world’s dominant AI-chip maker is increasingly helping finance the infrastructure that ultimately creates the demand for its own chips. The self-funding cycle has been ongoing for years—Nvidia has invested in AI companies and data center operators that purchase its hardware, while also developing financing arrangements intended to make it easier for those customers to acquire more computing capacity.
Last week, Nvidia partnered with six major financial institutions to launch compute-financing platforms targeting more than $500 billion in third-party funding for AI infrastructure—a push that recently got a regulatory tailwind. SEC staff guidance issued in July concluded that certain data-center debt falls outside Dodd-Frank securitization rules requiring sponsors to retain a share of the risk on their own books, making it easier for Nvidia to mobilize outside capital rather than carry the exposure itself.
But Nvidia CEO Jensen Huang disputes the circular financing model. Huang said in a press release the company was “securing long-lived infrastructure for Nvidia compute so OpenAI can deploy the most productive AI factories that can be upgraded repeatedly with each new generation delivering more intelligence and better economics.”
In the Ohio project, OpenAI will lease the data center from SB Energy for as long as 20 years, while Nvidia will be the exclusive chip provider for the initial phase. The campus is ultimately expected to reach as much as 8 gigawatts of computing capacity, and Nvidia is also investing $1.5 billion in SB Energy.
“The first 800 megawatts are expected to become available in 2028 largely using existing AEP infrastructure,” OpenAI shared in a note. “Further development will require new power plants connected to the grid, including natural gas generation, as well as new transmission lines and associated infrastructure.”
SB Energy plans to build the campus at a former US Department of Energy uranium-enrichment site, with approximately 9.2 gigawatts of natural-gas generation planned to support the broader development. SoftBank and SB Energy are expected to invest billions more in regional power infrastructure.
Nvidia’s graphics processing units, or GPUs, have become the primary computing workhorse for training and running many of the world’s most advanced AI models. Unlike CPUs, GPUs can perform many numbers of calculations simultaneously, making them well-suited to the matrix operations used by machine-learning systems. Nvidia also built a software ecosystem around its chips, including its CUDA programming platform, making its hardware deeply embedded in the development of AI applications.
Nvidia’s investor materials described the OpenAI partnership as an integrated infrastructure offering encompassing architecture, chips, systems, networking, data centers, software, operations and financing. Nvidia said each gigawatt of infrastructure would require roughly $50 billion to $60 billion in total spending, while OpenAI would need to reinvest future revenue to fund its buildout.
The web of deals extends past OpenAI and Nvidia, with partnerships with Microsoft, Oracle, SoftBank, Coreweave and other companies to secure computing capacity to train and operate its models. Many of these arrangements involve companies simultaneously investing, purchasing computing capacity, and building infrastructure from one another.
“We expect to use this capacity to meet growing demand for advanced AI and maintain our lead as the frontier AI research laboratory in pursuit of our mission,” OpenAI said.
Quantexa considers listing in UK or US markets
Have you ever looked at an old picture frame, mason jar, wooden crate, or tin can and thought, “I should probably throw this away”? I’m a frugal person, so I usually have the opposite thought: There has to be a way to use this for something.
Over the years, I’ve realized that some of the best home decor isn’t bought from expensive stores. It’s made from things that would have otherwise ended up in the trash. With a little paint, glue, or creativity, everyday items can become beautiful decorations that give your home a unique, personal touch.
I also like repurposing old items because it saves money. Instead of buying new decor every season, you can transform something you already own into a piece that looks completely different. It’s good for your budget and keeps perfectly usable items out of the landfill.
The best part is that you don’t need to be an expert DIYer. Most of these projects are simple enough for beginners and can be completed in an afternoon using inexpensive supplies.
These repurposed DIY room decor ideas are creative, budget-friendly, and proof that one person’s junk really can become another person’s favorite decoration.
An old glass-front hutch gets a second life as a craft and sewing station, with fabric curtains sewn to hide supplies in the lower cabinet.
Get the idea here ↗
A vintage two-drawer filing cabinet sits on hairpin legs, with a stack of old suitcases underneath adding extra height and storage.
Get the idea here ↗
The cast iron treadle base from an old Singer sewing machine holds up a simple wood top, keeping the original wheel and pedal intact.
Get the idea here ↗
A woven basket becomes a hanging planter for rosemary, suspended over the staircase on simple string.
Get the idea here ↗
The head of a vintage sewing machine is rewired into a wall sconce, with an exposed filament bulb hanging where the needle used to be.
Get the idea here ↗
Old hardcover books are hinged open and hung from the ceiling around bare bulbs, turning a stack of reads into a chandelier.
Get the idea here ↗
Plastic Pepsi crates get a wood top cut to size, making a set of low stools or side tables with built-in bottle storage underneath.
Get the idea here ↗
Vintage metal garden scoops are mounted in a row and filled with cut lilacs, turning old tools into a hanging flower display.
Get the idea here ↗
A plain wood frame holds a cluster of tiny painted houses and a bare branch, with hooks along the bottom for keys.
Get the idea here ↗
An empty peanut butter jar holds water and pebbles, letting a cutting root and grow right on the counter.
Get the idea here ↗
Shards of colored glass are layered into flower shapes and leaves, framed as a piece of textured wall art.
Get the idea here ↗
An old muffin tin gets painted black and hand-painted with woodland scenes in each cup, turning a baking pan into a tiny gallery.
Get the idea here ↗
A bicycle’s handlebars and headlight are mounted on a wood base, with the light rewired to glow like a small lamp.
Get the idea here ↗
An old saxophone is mounted on a brick wall alongside metal planters, mixing music and greenery into one outdoor display.
Get the idea here ↗
Scraps from an old grandmother’s flower garden quilt are stitched into small fabric baskets with soft handles.
Get the idea here ↗
Large wire cable spools are painted in solid colors and used as round side tables in an outdoor lounge area.
Get the idea here ↗
Tarnished silver teapots, pitchers, and urns are carved with jack-o-lantern faces, glowing from within for a vintage Halloween display.
Get the idea here ↗
A reclaimed wood plank is mounted on ornate iron corbels, giving a mantel look to a wall of vintage collectibles and framed photos.
Get the idea here ↗
A ladder is laid flat against the wall and used as a frame for a long run of family photos and mementos.
Get the idea here ↗
A cracked, whitewashed mantel piece holds teacups and glass insulators, with dried herb bundles hung below to air dry.
Get the idea here ↗
Hi, I’m Ashley a freelance writer who’s passionate about personal finance. Ever since I was young, I’ve been fascinated by the power of money and how it can shape our lives. I’ve spent years learning everything I can about budgeting, saving, investing and retirement planning. So if you are looking for tips, advice, or just a little bit of inspiration to help you on your financial journey, you have come to the right place. I am always here to help, and I am excited to share my passion for personal finance with you.
Update 8/17/26: They’ve now removed the 24 hour verbiage from the page (ht financeking90)
Update 8/16/26:
The Chase Sapphire Reserve consumer and business cards offer two $250 The Edit hotel booking credits on a stay of 2 nights or more. You can use the two credits anytime throughout the calendar year, but they need to be two separate hotel bookings.
A Reddit user noticed a travel guide put out by Chase a few days ago (Direct Link) which adds a limitation on using both $250 The Edit credits back-to-back for the same property:
Please note that back-to-back stays at the same property within 24 hours of checkout are considered a single stay—only the first stay is eligible for The Edit program benefits…..
Get two $250 statement credits for prepaid bookings with a two-night minimum (back-to-back stays at the same property within 24 hours of checkout are considered a single stay, and only the first stay is eligible for the credit)
The issue is for using both $250 The Edit credits on back to back stays within 24 hours. This worked fine in the past, and they are now officially excluding it. There is no issue with using one $250 The Edit credit and one $250 IHG credit, along with some other stacks, on the same stay.
It’s not clear if they’re actually trying to exclude this in practice, or if they are just trying to avoid a problem in case the two bookings somehow get combined. We’ll have to wait for data points to see how this plays out in practice.
(Update with data points that it still works, YMMV: 1, 2)
It should still be possible to book back-to-back stays on two separate cards, e.g. P1 and P2, or CSR and CSRB.
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Jamen Capital and Merlin have completed their acquisition of Curve Royalty Systems from Virgin Music Group.
The deal closed following final approval of the transaction by the European Commission, the companies said on Tuesday (August 18).
The completion establishes Curve as a standalone business under new ownership, separate from Universal Music Group.
The sale resolves a condition imposed by the European Commission, which cleared UMG‘s $775 million acquisition of Downtown Music Holdings only on the basis that Curve be divested to an independent buyer.
Curve‘s leadership, team, brand, products and client relationships remain unchanged, according to the announcement, and the company said its new owners are committed to preserving its neutrality.
Richard Leach will continue to lead the business as CEO, with clients retaining their existing contacts.
“Completing this transaction gives Curve the independence, stability and backing we need for the next stage of our development,” said Richard Leach, CEO of Curve Royalty Systems.
“For our clients, it is very much business as usual: the same team, products, service and commitment to protecting their data and interests. What changes is our ability to invest more ambitiously in the future.
“With the support of Jamen and Merlin, we can accelerate innovation, develop new products and continue building the elite-level infrastructure that music businesses need to manage increasingly complex royalty flows.”
“Completing this transaction gives Curve the independence, stability and backing we need for the next stage of our development.”
RICHARD Leach, Curve Royalty Systems
Leach added: “Downtown believed in Curve, invested in our team and supported our growth from the moment it acquired the business in 2022.
“Pieter, Justin, Andrew and the wider Downtown team have worked incredibly hard on our behalf throughout this process, and we thank them for everything they have done. While our ownership is changing, the friendship and mutual respect between our teams remain strong.”
“Curve has earned the trust of music businesses by combining sophisticated technology with genuine sector expertise and outstanding service,” said Matt Spetzler, Founding Partner of Jamen Capital.
“Our priority is to protect everything that has made the company successful while giving Richard and his team the resources to move faster, innovate and create even greater value for clients.”
“Our priority is to protect everything that has made the company successful while giving Richard and his team the resources to move faster, innovate and create.”
Matt Spetzler, Jamen Capital
Charlie Lexton, CEO of Merlin, added: “Curve is vital infrastructure for independent music businesses around the world.
“Completing this acquisition secures its independence and ensures it remains neutral, trusted and closely connected to the community it serves. We are proud to back the team as it expands the platform and develops the next generation of products and services for the sector.”
“Our priority is to protect everything that has made the company successful while giving Richard and his team the resources to move faster, innovate and create even greater value for clients.”
CHARLIE LEXTON, MERLIN
Curve was previously part of Downtown Music Holdings, which Universal Music Group agreed to acquire from its shareholders for $775 million in December 2024.
UMG completed the acquisition in February 2026 through its Virgin Music Group business.
The European Commission cleared the acquisition after UMG committed to divest Curve to an independent buyer approved by the regulator. The commitment was intended to address concerns that UMG could gain access to commercially sensitive information held by Curve in the course of providing royalty-processing services to music companies that compete with UMG.
The divestment covered the Curve business and its staff, with UMG ultimately selling the company to Jamen Capital and Merlin.
Curve provides royalty processing across recorded music and publishing, and says its clients include Armada, Defected, Epitaph, Exceleration, Reservoir, Sony Pictures Entertainment, Virgin Music Group, Netflix and BBC/Demon.
Jamen Capital, the investment firm founded by Matt Spetzler, launched independent financing platform Pipeline in January 2026.
Backed by Spetzler’s investment firm, Pipeline has raised more than $200 million in capital and aims to help independent music companies “unlock the value of their intellectual property, in order to drive growth and scale.”
Days after the platform was announced, Spetzler’s Pipeline struck a partnership with independent licensing company Merlin to give Merlin members access to advances against their digital royalties.
Before launching Jamen Capital, Spetzler was a Partner and Co-Head of Europe at private equity firm Francisco Partners, where he played a key role in the firm’s approximately $750 million majority acquisition of Kobalt Music Group in 2022.Music Business Worldwide
One of the first bits of advice that most people hear when they start investing is “diversify.” Buying a diversified portfolio with lots of different stocks can help manage your risk and improve your chances of growth and success as a long-term investor.
But what’s the best way to diversify for the long run? For me, it’s the Vanguard Morningstar Total Stock Market ETF (VTI -0.45%). This fund owns 3,531 stocks of all sizes (small, mid, and large cap). It represents basically the entire U.S. stock market. And it charges a rock-bottom low-price expense ratio of 0.03%.
This is my “set it and forget it” U.S. stock ETF. It’s the largest piece of my portfolio. I buy more shares of it every month on every payday.
But over the past 10 years, this total stock market ETF has been outperformed by the S&P 500 index, which tracks the 500 largest companies in America.
VTI Total Return Level data by YCharts
Which is better, owning VTI or an S&P 500 ETF? I’m going to keep buying the Vanguard Morningstar Total Stock Market ETF, because I believe owning 3,531 U.S. stocks will be a better bet than “only” 500 stocks in the long run.
Let’s look at why I’m sticking with VTI for the long run.
Image source: Getty Images.
The Vanguard Morningstar Total Stock Market ETF doesn’t make you choose between the S&P 500 and other smaller companies. It lets you own basically the entire U.S. stock market. Since the 500 largest companies make up such a large share of the VTI portfolio, this fund tracks the performance of the S&P 500 closely. The top stock holdings in VTI are the same major tech names you’d see in an S&P 500 ETF:
But because the Vanguard Morningstar Total Stock Market ETF also owns thousands of smaller companies, it doesn’t deliver exactly the same returns as the S&P 500. In the past year, VTI has outperformed the S&P 500. What if that trend continues?
Vanguard Morningstar Total Stock Market ETF
Today’s Change
(-0.45%) $-1.72
Current Price
$382.13
AUM
$2.3T
Dividend Yield
1.02%
Expense Ratio
0.03%
Top Holdings
NVDA
6.40%
AAPL
6.29%
MSFT
4.79%
I believe it’s a good idea to own all these other mid- and small-cap stocks. In case different parts of the stock market outperform the S&P 500 in the future, this fund will ideally capture those gains.
In the big picture, buying S&P 500 ETFs like the Vanguard S&P 500 ETF (VOO -0.47%) is often a great move for long-term investors. Even if those are the only stocks you own, you might be fine and see strong investment returns.
But I believe in owning “all” the stocks, not just the 500 largest companies. I want to own mid-cap, small-cap, value, and growth stocks. I want to own a mix of high-flying stocks and “boring” stocks from slower-growing industries that investors might be undervaluing. I want it all! This low-cost total stock market ETF can do that.
That’s why I believe the Vanguard Morningstar Total Stock Market ETF is the best long-term bet on the future of the U.S. stock market for me. I could be wrong. I’m a humble investor, and this ETF might underperform other investments, but I’m going to keep buying it.
Ben Gran has positions in Vanguard Morningstar Total Stock Market ETF. The Motley Fool has positions in and recommends Alphabet, Amazon, Apple, Microsoft, Nvidia, and Vanguard S&P 500 ETF. The Motley Fool has a disclosure policy.
