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Apple AirTag (2nd Gen) 4-Pack for $79.99 on Amazon


Apple AirTag (2nd Gen) 4-Pack for $79.99

This article contains Amazon affiliate links.

Amazon has a nice discount on the new Apple AirTag (2nd Gen) 4-Pack, which was released earlier this year.

The 4-pack is currently priced at $79.99, down from the previous deal of $85, making it a good opportunity to pick up several of Apple’s latest trackers at once. The new second-generation AirTag comes with improved Precision Finding, a louder speaker, upgraded range, and expanded Find My features.

BUY NOW

Product details:

  • FIND YOUR ITEMS ON FIND MY—AirTag (2nd generation) helps you keep track of what matters. Attach one to any item you want, and keep track of it using the Find My app.
  • EXPANDED PRECISION FINDING ON IPHONE AND APPLE WATCH—Get step-by-step directions to your lost item on iPhone and now, Apple Watch.
  • ENHANCED SPEAKER—With a 50% louder speaker and a new, distinctive chime, it’s easier than ever to hear and find AirTag.
  • PING FROM FAR AND WIDE—Upgraded Ultra Wideband and Bluetooth chips allow you to find your items from even farther away than ever before.
  • SHARE ITEM LOCATION—Share AirTag location access temporarily and securely with trusted contacts, third parties, or over 50 airline partners if you lose something important.
  • BATTERY LIFE—AirTag (2nd generation) works for more than a year on a standard battery you can easily replace when your iPhone alerts you.
  • SAFE, SOUND, FOUND—Only you or authorized users can see your AirTag location, and your location data and history are never stored on AirTag itself.
  • MORE SUSTAINABLE DESIGN—The latest AirTag features 85% recycled plastic in the enclosure and 100% fiber-based packaging.

 

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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AMD vs. Nvidia: SpaceX and Tesla CEO Elon Musk Weighs In on His Top Pick


AMD (AMD +1.10%) and Nvidia (NVDA +1.49%) are recognized as two of the top computing unit manufacturers in the AI arms race. While Nvidia got off to a hot start and dominated the initial build-out, AMD has made up some ground recently, although Nvidia still holds a far lead.

Unless you’re familiar with the computing industry, determining which company has the best technology may not be easy. To determine which products are best, sometimes finding a smart voice in the industry is the best approach.

One of the most highly regarded minds in the world is Elon Musk, CEO of both Tesla and Space Exploration Technologies. Both companies are spending heavily on computing infrastructure: Tesla is training its self-driving vehicles on countless hours of recorded driving footage, and SpaceX owns xAI, the maker of the Grok large language model.

Musk knows a thing or two about which computing units he prefers his companies to use, and he just gave a glowing endorsement to one of these two firms.

SpaceX and Tesla CEO Elon Musk. Image source: The White House.

Musk prefers his companies to use Nvidia products

During SpaceX’s Q2 conference call, Musk stated:

And going forward, we’ve decided to build exclusively on Nvidia because we think the Vera Rubin architecture is the best architecture . We think it’s the best AI computer, and we greatly value our close cooperation and partnership on many levels with Nvidia. So, we’re exclusive to Nvidia.

That’s a pretty definitive quote, but what may be lost in that announcement is how impressive Nvidia’s next-generation hardware will be. Currently, all the AI breakthroughs and advancements we’ve seen are on the Hopper or Blackwell architectures. Compared to Blackwell architecture, Rubin provides a tenfold reduction in inference token cost and a fourfold decrease in the number of GPUs required to train an AI model. Rubin GPUs will be more efficient, so AI firms could accomplish the same amount of work with fewer GPUs. But what will most likely happen is that firms will deploy the same number of GPUs to increase computing capacity and lower the cost per unit of work.

Nvidia Stock Quote

Today’s Change

(1.49%) $3.23

Current Price

$220.78

That’s a huge improvement, and with Rubin chips now in full production and shipping in the near future, Nvidia could see another revenue boost. However, it doesn’t necessarily need to be a better stock pick than AMD.

Nvidia is growing faster than AMD

Both companies have recently reported results, so a somewhat apples-to-apples comparison is possible (although AMD’s report were about a month before Nvidia). AMD’s total revenue rose 50%, while data center revenue increased an impressive 107%. Nvidia outperformed AMD by every measure, as its total revenue rose by 106%, while data center revenue rose 117%.

That pretty definitely scores the growth comparison in favor of Nvidia, but it also has another unique quirk: It’s far cheaper than AMD.

NVDA PE Ratio (Forward) Chart

NVDA PE Ratio (Forward) data by YCharts

AMD trades at nearly three times the price tag that Nvidia does, which is a huge premium to pay, especially considering that Nvidia’s technology is recognized better by one AI CEO and is growing far faster. Even if you value the stocks using 2027 earnings estimates, Nvidia is far cheaper.

NVDA PE Ratio (Forward 1y) Chart

NVDA PE Ratio (Forward 1y) data by YCharts

It’s rare when investors can buy a company that’s doing better on nearly every measure than its competitor at a far cheaper stock price, but that’s exactly what the market is handing investors right now. As a result, I think investors should swap AMD shares for Nvidia, if they have any. Or if you’re on the fence about which one to buy, I think the answer is pretty clear, pretty definitive, and obvious: Nvidia.

The down payment myth still keeping buyers on the sidelines


“When you get into that kind of first-time homebuyer number, that handholding is something that we really pride ourselves on,” he said. “Anytime you’re going to go drop $500,000 on your first home, it’s a scary moment, and our originators don’t take that lightly. They go into that conversation detailed, explaining every part of the process.”

Ospina pushed back on the idea that affordability concerns have scared off first-time buyers.

“I don’t believe that the demand for a first-time homebuyer to get into a home has waned one bit,” he said. “Getting into a home far outweighs renting in most cases, and these people understand that owning a home and building equity sooner rather than later is a safe bet. By the time you’re done with that mortgage, you will have equity, whereas with renting, you’ll have none of that.”

Breaking the myth

Down payment assistance is a major part of how SimplyPMG turns that demand into closed loans, according to Ospina. He said the company tracks usage closely because it shows how much business depends on buyers simply knowing the option exists.

“Last quarter, 30% of our first-time homebuyers used some form of DPA,” he said. “And of that 30%, about 50% of it used that DPA as a forgivable grant, so they were getting into these homes where the down payment is forgiven.”

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Private Market Investment in the EU


This report examines the European Union’s expanding private markets and revised European long-term investment fund framework, assessing investor opportunities, risks, protections, and policy changes needed to support responsible, sustainable growth in Europe.

[YMMV] Verizon Shine: Free NFL Sunday Ticket from YouTube (9/4)


Note: This doesn’t go live until sometime on 9/4/26, unsure on exact time. These go quickly so goodluck. 

The Offer

  • Verizon Shine is offering free NFL Sunday Ticket from YouTube:
    • Login to My Verizon App
    • Click on me & then Verizon Shine
    • Click to claim offer for a NFL Sunday Ticket from YouTube

Our Verdict

Free is free. How good this deal is really depends on how many of these freebies they are giving out. Goodluck to anybody that goes for it.

The Small Decisions You Skip Are Costing Your Team 209 Hours a Year. Here’s How to Fix It.


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • The choices that shape a company aren’t the dramatic ones — they’re the small, repeated decisions founders defer or never document, which compound into the friction, rework, and bottlenecks that quietly slow growth.
  • Decision debt is reversible, but only if you build frameworks that make ownership clear before a decision lands on someone’s desk — who owns it, who provides input, and what a good outcome looks like.

When founders think about the decisions that shape a company, they tend to picture the dramatic ones: the funding round, the pivot, the key hire. But after building more than 22 companies through DRC Ventures, I’ve learned that those rarely determine whether an organization runs smoothly. The everyday choices do — the ones we make quickly, repeat constantly and almost never examine.

I call the residue of those choices decision debt. Like financial debt, it accumulates quietly. It’s a process nobody documented, an ownership question left unanswered or a recurring issue everyone works around instead of solving. Individually, each feels too small to matter. Together, they slow growth, frustrate good people and pull leaders back into work they should have handed off long ago.

The cost is higher than most founders realize. Asana’s research found that the average knowledge worker loses roughly 209 hours a year to duplicated work, the kind of effort that gets repeated because nobody was sure it had already been handled. That is decision debt showing up on the clock. The good news is that it’s recognizable and reversible, but only if you know what to look for. These are the patterns I watch for across my own organizations and the steps I take to reduce decision debt before it limits long-term performance.

Recognize the hidden patterns that create friction

Decision debt rarely announces itself. It hides behind symptoms that teams learn to tolerate: the project that stalls every time it reaches a certain step, the approval that always routes back to you or the rework that happens because nobody is sure who owns the original task.

The danger is normalization. When a bottleneck repeats often enough, people stop seeing it as a problem and start treating it as the way things are. I’ve watched capable teams build elaborate workarounds for issues that a single clear decision would have eliminated.

The first step is simply paying attention to friction. When something takes longer than it should or surfaces the same complaint twice, that’s worth examining. Recurring problems are rarely about effort. They’re usually a signal that a decision was deferred somewhere upstream.

Build frameworks that make decisions consistent

One of the most expensive forms of decision debt is revisiting choices you’ve already made. When a team asks the same question every few weeks, it isn’t being thorough. The team is missing a framework.

Much of this traces back to unclear expectations. A 2025 Gallup report found that only 47% of employees strongly agreed they knew what was expected of them at work, the lowest level in years. When that many people are unsure of what they should be doing, decisions stall and ownership blurs.

Early in scaling my businesses, I was involved in far too many decisions that didn’t need me. It felt responsible at the time, but it created a single point of dependency that slowed everyone down. What changed things was defining clear priorities, documenting how decisions get made and assigning ownership to specific roles rather than routing everything through me.

A good framework answers three questions before a decision ever lands on someone’s desk: who owns it, who provides input and what a good outcome looks like. Once those are clear, teams move faster and with more confidence, because they aren’t guessing at the rules each time. Consistency isn’t the enemy of speed. It’s what makes speed sustainable.

Replace reactive leadership with strategic discipline

Fast-moving environments reward quick thinking, but they also tempt leaders into making every call in the moment. The problem is that decisions made under pressure tend to optimize for the next 24 hours rather than the next 24 months. Each one feels efficient. Collectively, they create complications that someone has to clean up later.

Discipline, for me, means slowing down just enough to ask whether a decision serves the long-term vision before asking how fast it needs to happen. The moments I’m proudest of weren’t the fastest responses. They were the ones where I paused, checked the decision against where we were actually trying to go and adjusted course before the cost compounded.

This is where structure protects you. When you’ve built clear criteria and a regular rhythm for reviewing decisions, you can respond thoughtfully without losing momentum. Responsiveness and reflection aren’t opposites. The right systems let you have both.

Reassess your systems before you add complexity

Growth has a way of magnifying whatever already exists. A process that works fine with a team of five can buckle under a team of 50, and the inefficiencies you tolerated early become structural problems at scale. Complexity doesn’t fix this. It usually buries it.

Before adding headcount, tools or layers, I’ve found it’s worth asking a harder question: do the systems we already have actually support where we’re headed? Across my ventures in wellness, nutrition and other consumer products, the operations that scaled well were the ones we reviewed regularly and simplified deliberately, not the ones we kept piling onto.

Regular operational reviews are the cheapest insurance a founder can buy. They surface decision debt while it’s still small enough to address, instead of after it has hardened into the way the company works.

Pay it down before it costs you

The long-term health of a company isn’t decided by a handful of dramatic moments. It’s built, or eroded, by the quality and consistency of thousands of ordinary decisions. Decision debt is what happens when those small choices go unexamined — and the interest compounds whether or not you’re watching.

The founders who build durable businesses aren’t the ones who never accumulate decision debt. They’re the ones who notice it early, address the root cause and keep their systems clear enough that the debt never has a chance to grow. Sustainable companies are built the same way they’re run: intentionally, one decision at a time.

Key Takeaways

  • The choices that shape a company aren’t the dramatic ones — they’re the small, repeated decisions founders defer or never document, which compound into the friction, rework, and bottlenecks that quietly slow growth.
  • Decision debt is reversible, but only if you build frameworks that make ownership clear before a decision lands on someone’s desk — who owns it, who provides input, and what a good outcome looks like.

When founders think about the decisions that shape a company, they tend to picture the dramatic ones: the funding round, the pivot, the key hire. But after building more than 22 companies through DRC Ventures, I’ve learned that those rarely determine whether an organization runs smoothly. The everyday choices do — the ones we make quickly, repeat constantly and almost never examine.

I call the residue of those choices decision debt. Like financial debt, it accumulates quietly. It’s a process nobody documented, an ownership question left unanswered or a recurring issue everyone works around instead of solving. Individually, each feels too small to matter. Together, they slow growth, frustrate good people and pull leaders back into work they should have handed off long ago.

The cost is higher than most founders realize. Asana’s research found that the average knowledge worker loses roughly 209 hours a year to duplicated work, the kind of effort that gets repeated because nobody was sure it had already been handled. That is decision debt showing up on the clock. The good news is that it’s recognizable and reversible, but only if you know what to look for. These are the patterns I watch for across my own organizations and the steps I take to reduce decision debt before it limits long-term performance.

Kalshi users under 21 traded $3.9B on sports as states and advocacy groups question an age loophole



Kalshi users as young as 18 are now responsible for billions of dollars worth of trading activity on sports that critics say amounts to a loophole in gambling laws.

A recent analysis by CNN showed so far this year users between the ages of 18 and 21 traded an estimated $5.4 billion on Kalshi, the largest prediction market in the U.S. Of that amount, $3.9 billion was in sports-related events.

Sports gambling in most states is off limits for anyone under 21. And yet Kalshi allows anyone 18 years old and older to put money into it because it is regulated as a financial market under the jurisdiction of the Commodity Futures Trading Commission.

This differs from sports gambling organizations, which are regulated at the state level. In fact, New York State is suing to shut down Kalshi, alleging it’s operating an unlicensed gambling platform. 

Kalshi did not immediately respond to a request for comment. A spokesperson for Kalshi told CNN that users between the ages of 18 and 21 make up just 3.14% of its overall trading volume.

On Kalshi, users can buy an event contract with a yes or no outcome based on a real world event. Kalshi’s exchange will then match the user to another user taking the opposite position, and would pay only the person who chose the correct outcome.

For sports, this means contracts can be made on anything from whether a certain team will win a game or whether a team will make it to the championship. Kalshi also includes predictions on other events outside of sports such as midterm election results or whether 2026 will be the hottest year ever.

Kalshi has previously denied that its prediction markets constitute gambling, because users taking a position with an event contract are always countered by another user, not the platform itself, as would be the case with a sportsbook. 

But the contracts resemble bets. Users can also build “combos” that act similarly to a “parlay” bet where users can wager on the outcome of multiple events and will get paid only if all parts of the bet come true.

Les Bernal, the national director of Stop Predatory Gambling, told Fortune it’s worrying that young people are able to access this kind of platform at such a young age, when they are highly impressionable. 

“They try to create this experience, it’s like a video game type experience, in pushing this on young people,” Bernal said of prediction markets like Kalshi. “Meanwhile, we know from the science that this is an extremely addictive product that causes incredible harm.”

A peer-reviewed paper published in Science in April warned that the design of commercial prediction markets could create risks of behavioral addiction.

“Continuous novelty and infinite event streams eliminate stopping points, possibly weakening prefrontal inhibitory control. This architecture maximizes trading volume rather than forecasting accuracy, potentially driving neuroadaptation toward compulsive use in vulnerable individuals as rewards fade…” the research journal said.

Kalshi, for its part, has previously argued that it should not be regulated in the same way as sports betting or online casinos because it merely connects users on opposite sides of a financial transaction. 

“Kalshi does not set odds, does not act as a counterparty, and does not profit from customer losses. It operates a neutral, two-sided marketplace where standardized, fully collateralized contracts are traded at prices determined by supply and demand,” the company wrote in testimony earlier this year when it opposed a Connecticut bill that would have raised the minimum age for using prediction markets to 21. The bill did not pass.

So far, Kalshi and other prediction markets have been able to avoid some state rules that apply to sports gambling operations, yet that might be changing. 

A coalition of 44 state attorneys general argued in a letter last month that the CFTC’s proposed prediction-market rules exceed its authority and intrude on states’ traditional power to regulate sports gambling.

And on Friday, a ruling by the 9th U.S. Circuit Court of Appeals allowed Nevada’s government to impose state law against Kalshi’s sports-related event contracts, effectively blocking Kalshi from offering them in Nevada unless it complies with state gaming law.

Mortgage Rates Higher Thanks to First Military Strikes in a Month


Just days after the big Jackson Hole Fed event, mortgage rates are under pressure for other reasons.

The reason? The ongoing conflict in the Middle East, which had been quiet for about a month until last night.

The U.S. and Iran reportedly exchanged missiles for the first time since late July, sending oil prices, bond yields, and mortgage rates higher.

It’s also a departure from the economic punishment angle the United States had unveiled in recent days to avoid ongoing fighting.

And if it ratchets up again, mortgage rates could hit fresh 52-week highs.

Mortgage Rates Continue to Move Most with Iran/Oil

It seems pretty clear now that the biggest mover for mortgage rates lately is the war with Iran.

Anytime things deteriorate there, bond yields and mortgage rates turn higher.

And if we zoom out, they’re nearly one full percentage point higher compared to late February, before the conflict began.

It seems they can’t catch a break, with some sort of skirmish (or worse) always materializing after a few days of relative calm.

With the war now about six months in, folks are starting to wonder how long this might persist, along with the larger consequences.

The biggie is the price of oil, which shot up after the conflict first got underway. Prices have remained elevated since.

While prices are off the highs seen in the direct aftermath of the first strikes in late winter, they are well above the pre-war levels with no real relief in sight.

That puts pressure on just about every area of the economy, as energy flows into everything whether it’s the production itself or eventual transit of a given product or service.

The end result in higher inflation, which has been the thorn in mortgage rates’ side for years now.

Persistent inflation may also force the Fed to hike its own federal funds rate again, though new Fed chair Kevin Warsh has been cagey about that since taking over.

Could Mortgage Rates Reach New 2026 Highs?

The other day, I laid out the reasons why mortgage rates are near their 2026 highs.

As is obvious, Iran is one of the biggest factors. But there’s also AI buildout and high government debt/spending.

So even if all is quiet on the war front, mortgage rates could remain elevated for the foreseeable future.

However, they could get WORSE if the situation in the Middle East deteriorates as well.

And given mortgage rates are already very close to their 52-week highs, it wouldn’t take much to hit new highs.

The monthly jobs report this Friday could further exacerbate things if it comes in hot, or settle things down if it comes in cooler-than-expected.

Mortgage Rates Have Done Well to Avoid a Return to 7%

So far, mortgage rates have done a good job avoiding a return to 7%.

While they’re only an eighth or a quarter-percent below those levels, there’s a psychological hit if they get back above 7%.

The monthly payment between 6.75% and 7% isn’t massive (check with my mortgage rate calculator), but it’d be enough to hurt home buyer sentiment.

And push home sales even lower than they already are, which are currently hovering around 30-year lows to begin with.

Not to mention the lack of mortgage refinance business, which has already tanked and could spell trouble for the many mortgage lenders out there treading water.

Long story short, a lot is at stake with mortgage rates on the cusp on 7%.

If they can remain at current levels, that might be considered a win for now, even if they remain markedly higher than the sub-6% rates seen as recently as early March.

Update: The 30-year fixed just hit a fresh 52-week high of 6.87% per Mortgage News Daily.

Colin Robertson
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