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Targeted Marriott Bonvoy Promo: Earn Free Night Awards or Bonus Points


Targeted Marriott Bonvoy Promo

Marriott Bonvoy is targeting some members with a new promotion that offers up to 9,000 bonus points on eligible paid stays. Some members are seeing different targeted offers, including one that awards up to two 35K Free Night Awards after qualifying paid stays.

Offer Details

  • Offer 1: Earn up to 9,000 bonus Marriott Bonvoy points across three qualifying paid stays:
    • 1st stay: 1,500 bonus points
    • 2nd stay: 3,000 bonus points
    • 3rd stay: 4,500 bonus points
  • Offer 2: Earn a 35,000-point Free Night Award after a qualifying paid stay, up to a maximum of two Free Night Awards.

It’s worth checking the Promotions section of your Bonvoy account before booking anything, since registration is required before your stays.

Guru’s Wrap-Up

Marriott is targeting members with different offers, and the Free Night Award offer listed above should be worth chasing. But you should still register for any promo your receive, so you don’t miss out on easy bonus points.

HT: FM

Best Crypto Trading Signals? Alex Friedman Channel (2026)



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How Do You Calculate Current Net Worth Of Assets For FAFSA


How Do You Calculate The Value Of Your Assets For FAFSA?

This question is about how to fill out the FAFSA.

Every year, families fill out the Free Application for Federal Student Aid (FAFSA) to determine eligibility for need-based financial aid. A key part of that process is reporting the current net worth of family assets, which includes bank accounts, real estate, and other investments. With the OBBBA changes, families no longer have to report the value of small businesses and family farms.

The date that matters for calculating the value is the day the FAFSA is submitted. If you’re filling out the FAFSA on October 10, for example, you must report the balances and values of assets as they appear on that exact date. FAFSA does not use prior year values or allow for estimates.

Assets only need to be reported if your adjusted gross income (AGI) is $60,000 or more, or if you meet certain other criteria that require full asset reporting. It’s important to get this right, as it directly affects how much aid your student might receive.

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What Counts And What Doesn’t Count

FAFSA separates assets into those that must be reported and those that should not be included:

Assets you must report include:

  • The current balance of cash, checking, and savings accounts.
  • The net worth of investments such as stocks, bonds, mutual funds, money market accounts, CDs, real estate (excluding your primary home), and college savings accounts for the student applicant.

Assets you do not report include:

  • Your primary residence.
  • Retirement accounts like 401(k)s, IRAs, annuities, and pensions.
  • Life insurance policies.
  • UGMA/UTMA accounts if the student is not the owner.
  • 529 plans for other children not applying for aid.
  • Value of small business, family farm, or family fishing operations.

It’s crucial to separate your primary home from rental properties or other real estate investments. For example, if you rent out part of your home to a tenant with a separate entrance and bathroom, that portion counts as an investment property.

With the OBBBA changes, families no longer have to report the value of small businesses or family farms. Here’s what’s excluded:

Small Business: You don’t have to report a small business with less than 100 full-time or full-time equivalent employees that is owned and controlled by the family.

Family Farm: You don’t report a family farm on which the family resides.

Commercial Fishing Business: You don’t report a commercial fishing business and re-lated expenses, including fishing vessels and permits owned and controlled by the family.

How To Calculate The Net Worth For FAFSA

To report an asset’s net worth, subtract any debts secured by the asset from its current market value. For bank accounts and stock portfolios, this is straightforward: report the balance or total value on the date you file FAFSA.

If you use an online budgeting tool to track your net worth, this can be really easy. For example, Monarch aggregates everything into one spot.

Monarch Dashboard. Source: The College Investor.

What Families Should Know

The FAFSA isn’t designed to capture every financial detail, but it does use reported asset net worth to estimate how much a family can afford to contribute to college. A higher net worth can reduce eligibility for need-based aid. That’s why getting the numbers right matters.

It’s also important to note that it doesn’t take into account any consumer debts – just assets. You don’t report your credit card balances, car loans, or student loans.

Families should:

  • Log into bank and investment accounts on the day of FAFSA submission to get accurate balances.
  • Use property records or third-party sites like Zillow to estimate real estate value.
  • Check with business accountants or review balance sheets to calculate business or farm value.
  • Be cautious not to include retirement or primary home assets.

While the FAFSA rules may seem rigid, they are standardized to give colleges a consistent framework. Understanding what to include, what to leave out, and how to calculate net worth can make a meaningful difference in the aid offered.

Families unsure about how to calculate asset value can consult a college financial aid officer or use tools from nonprofit organizations or state agencies. Some families may also consider adjusting the timing of their FAFSA filing to reflect lower asset values if possible. Since timing matters, FAFSA hacks can help you increase your chances for aid.

Getting the asset section of the FAFSA right helps ensure the financial aid package reflects your real financial picture and helps avoid surprises later on.

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Labor Day Was Built So You Could Rest. So Why Don’t You?


Opinions expressed by Entrepreneur contributors are their own.

Key Takeaways

  • Do not wait until Friday to slow down. Going cold into a long weekend is not rest. It is a crash with a holiday label on it.
  • Cortisol suppresses immune function while you are pushing. The moment you stop, the immune system activates everything it put on hold while you were running.
  • When the restlessness hits this weekend, write down what it is interrupting. Not a task list. What specifically feels unbearable about not working. One sentence. You do not have to solve it. Just name it.

In 1872, Toronto printers went on strike demanding a nine-hour workday. The standard at the time was 12 hours a day, six days a week. Their strike inspired annual parades across Canada, which an American labor leader witnessed in Toronto in 1882 and took back to New York. By 1894, both Canada and the United States had declared the first Monday in September a national holiday. Labor Day exists because workers fought for the right to stop.

One hundred and fifty years later, the people least likely to take it are the ones who need it most. The holiday exists. The permission to actually stop does not. The advice arrives every Labor Day weekend like clockwork. Disconnect. Set boundaries. Do not check email. Step away and come back refreshed.

For most people running at high output, that advice lands like a joke. They step away, the quiet arrives, and something that was manageable on a Wednesday becomes unbearable on a Saturday. The anxiety rises. The restlessness kicks in. By Sunday evening the dread is already there. And by Tuesday morning they are back at their desk wondering why four days off left them feeling worse than four days of work.

The long weekend did not cause that. It just removed the one thing that was keeping it manageable.

The bill that was always coming

Think of the body like a business running on a line of credit it never checks.

Every sprint draws on it. Every deadline pushed through. Every Saturday worked. Every vacation cut short. The account keeps getting drawn down and the body keeps extending the credit because the adrenaline, the dopamine and the cortisol are co-signing every charge. The system stays in performance mode. The work gets done. The numbers look fine.

Then the long weekend arrives and the co-signers clock out.

That is when neuroscientist Bruce McEwen’s concept of allostatic load becomes impossible to ignore. The measurable biological cost of sustained stress does not disappear while you are pushing through it. It accumulates. And the moment the chemistry that was covering it drops, the balance comes due all at once.

The quiet did not create the anxiety. It just stopped covering the bill.

And because almost nobody teaches people to understand what that actually feels like, the most common response is to decide the weekend was a mistake.

So they go back to work.

Going back to work teaches the wrong lesson

Opening the laptop on Saturday resolves the discomfort almost immediately. Dopamine reactivates. The target reappears. The anxiety lifts.

But what just happened is the brain made a payment on the credit card with next week’s balance.
Every time that happens, the pattern tightens. The brain learns one more time that the solution to discomfort is output. The tolerance for stillness shrinks. The person who could sit with a quiet Saturday for a few hours can barely manage an hour the next time. The executive who used to enjoy long weekends starts dreading them by Thursday. The cost carries forward unprocessed and the next Labor Day hits a system that is already more depleted than the last one.

This is the pattern that post-success psychology is built around. Not a single crash. A cycle that compounds with every loop that runs without a real landing. According to NIH research on chronic stress and the HPA axis, sustained output leads to a predictable biological progression: elevated cortisol followed by exhaustion and suppressed cortisol levels. The crash is not a choice. It is a sequence. And pushing through it with more work does not stop the sequence. It charges the card again and delays the statement until the system stops asking nicely.

What actually helps

Do not wait until Friday to slow down. The system running at full output does not have an off switch. Going cold into a long weekend is not rest. It is a crash with a holiday label on it. Put something on the calendar each day that counts as effort without draining anything. A walk with a destination. A conversation that matters. A task that closes a loop without opening a new one. Not doing nothing. Teaching the system how to wind down instead of forcing it to stop cold.

Do not be surprised if you get sick. This is one of the most reliable and least discussed consequences of running too hard for too long. While you are pushing, cortisol tells the immune system to wait. The moment you stop and the chemistry drops, the immune system starts collecting on everything that was deferred. You stop. You immediately feel terrible. Your throat hurts. You are exhausted in a way that sleep does not seem to touch.

Most people assume this means they are unhealthy or not taking good enough care of themselves. They are not entirely wrong. But no supplement fixes a pattern that never gets a real recovery built into it. The sickness is not a sign you should have kept going. It is the deferred balance arriving. That is not an interruption of recovery. That is what recovery actually looks like when the account has been overdrawn for too long.

The restlessness that shows up on a Saturday is not a productivity problem. It is the pattern asking to be noticed. Most people respond by opening the laptop. That teaches the pattern that the only way to be heard is to get louder. Which is exactly what it does. Every long weekend it gets a little harder to sit with, a little heavier to carry into the week that follows.

This weekend, instead of reaching for the laptop when the restlessness hits, write down what it is interrupting. Not a task list. Not a business problem. What specifically feels unbearable about not working right now. One sentence. You do not have to solve it. You just have to name it. That is the beginning of understanding which pattern is running the discomfort, and what it actually needs instead of another sprint.

Labor Day was never just a day off. It was a declaration that the people doing the work deserved the right to stop without it costing them everything.

That right still exists. Most people are still paying interest on the last time they tried to use it.

Key Takeaways

  • Do not wait until Friday to slow down. Going cold into a long weekend is not rest. It is a crash with a holiday label on it.
  • Cortisol suppresses immune function while you are pushing. The moment you stop, the immune system activates everything it put on hold while you were running.
  • When the restlessness hits this weekend, write down what it is interrupting. Not a task list. What specifically feels unbearable about not working. One sentence. You do not have to solve it. Just name it.

In 1872, Toronto printers went on strike demanding a nine-hour workday. The standard at the time was 12 hours a day, six days a week. Their strike inspired annual parades across Canada, which an American labor leader witnessed in Toronto in 1882 and took back to New York. By 1894, both Canada and the United States had declared the first Monday in September a national holiday. Labor Day exists because workers fought for the right to stop.

One hundred and fifty years later, the people least likely to take it are the ones who need it most. The holiday exists. The permission to actually stop does not. The advice arrives every Labor Day weekend like clockwork. Disconnect. Set boundaries. Do not check email. Step away and come back refreshed.

For most people running at high output, that advice lands like a joke. They step away, the quiet arrives, and something that was manageable on a Wednesday becomes unbearable on a Saturday. The anxiety rises. The restlessness kicks in. By Sunday evening the dread is already there. And by Tuesday morning they are back at their desk wondering why four days off left them feeling worse than four days of work.

Trump to Fed: Slash rates or I’ll cut off some trade


He returned to the topic later in the Oval Office when asked about the post. “What I’m saying, very simply, is that we should be paying the lowest interest rate in the world,” he said.

But there seems little chance that the central bank will bring rates lower in its September decision, with market expectations indicating a hike is becoming more likely after the stronger-than-expected jobs numbers.

Warsh, who succeeded Jerome Powell as Fed chair this year, has expressed concern over the inflation outlook and hinted in his August address at Jackson Hole that a rate increase could be ahead.

Upward pressure on mortgage rates continues

Mortgage rates, meanwhile, have been on an upward trend in recent months as financial market jitters over the war in Iran and potential for an inflation upsurge sent bond yields higher.

This week, the average 30-year fixed mortgage rate climbed to 6.71%, according to Freddie Mac’s Primary Mortgage Market Survey (PMMS), marking its highest level for over a year.

Breakfast News: How Fools Are Investing Right Now


SEPTEMBER 5, 2026

“So what are you doing with your money right now?” is the question every Fool gets at a family dinner, and the one we can never answer in a single line. Here we’ve tried anyway. Each analyst below lays out how they’re investing at this moment, and what got them there, in a few sentences flat.

Some have gotten more defensive. Others are doubling down on what’s been working. Use their answers to reflect on where your money is sitting.

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Tom Gardner

By Tom Gardner
Motley Fool Co-Founder and CEO

Our Hidden Gems market indicators are flashing warnings on valuation and speculation. Therefore, I’m reviewing any investments that combine high growth, high beta, and high valuation with any risk to their moat. I’m willing to take some off the table.

  • Current stance: My investing focus is on adding companies classified as Cautious and Moderate in Fooldom.
  • Primary focus: Companies with high rates of return on capital, AI expertise and/or insulation from AI threats, and forward-leaning leadership.
  • What has changed: AI is a disruptive wrecking ball. With uncertain futures and eroding moats, I’m looking for terra firma.
  • Investor takeaway: I believe in owning 50+ stocks. I believe in actively managing a portfolio while, in dollar terms, maintaining an average holding period of 5+ years.

divider

Jason Hall

By Jason Hall
Team Rule Breakers

I’m sticking to my plan: Hold roughly 10% in cash and 10% in bonds; the rest in stocks. I won’t be adding new cash until 2027, so smart asset allocation helps me avoid trying to time the market.

  • Current stance: A motley mix of everything. Have a plan, but be flexible to the risks and opportunities!
  • Primary focus: High-growth equities; dividend/income stocks; cash/short-term yields; value/distressed assets.
  • What changed: Financial independence could be less than a decade away with a prudent plan, financial discipline, and a little bit of luck.
  • Investor takeaway: You can only make the most out of the best stock picks if you have a plan you can stick to!

divider

Lou Whiteman

By Lou Whiteman
Team Hidden Gems

I’m avoiding most of the AI trade due to valuations but looking for value among well-established financials and industrials, as well as small, speculative start-ups, while also assessing stocks that have run up considerably as potential sale or partial-sale targets.

  • Current stance: Opportunistically hunting for new value.
  • Primary focus: High-growth equities; dividend/income stocks; cash/short-term yields; value/distressed assets.
  • What changed: Regardless of where we are in the cycle, my investing strategy is to seek out areas where market inattention creates value.
  • Investor takeaway: The challenge in investing is identifying opportunities created from market inefficiencies, while also finding quality businesses that will be rewarded over the long term as more rational pricing takes hold.

divider

Yasser El-Shimy

By Yasser El-Shimy
Team Rule Breakers

I am building up my exposure toward physical commodities/precious metals and biopharma, two sectors I believe will be immune to or beneficiaries from the inflationary super cycle we started during COVID, but is accelerating with deficit spending, energy and food shortages, and debased currencies.

  • Current stance: Opportunistically hunting for new value
  • Primary focus: Energy, precious metals, and biopharma.
  • What changed: I expect some sovereign debt crises to come starting with Japan and the UK (two countries that import much of their energy and food needs) and spread to similar economies in Europe, Asia, and even the U.S.
  • Investor takeaway: Make sure your portfolio has exposure to sectors that can do well in an adverse macroeconomic/geopolitical situation as the one we are currently undertaking.

divider

Tim Green

By Tim Green
Team Hidden Gems

I’m always looking for misjudged and mispriced opportunities, but I haven’t been finding many lately, so the cash in my portfolio has been rising.

  • Current stance: A mix of getting more defensive and hunting for new value
  • Primary focus: I’m always looking for stocks with good growth prospects that the market is mispricing.
  • What changed: Valuations are high, and where they’re not, AI has introduced a tremendous amount of uncertainty.
  • Investor takeaway: We’re in the middle of a technological sea change with AI. Constantly evaluating why you own the stocks you own is more important than ever.

divider

Toby Bordelon

By Toby Bordelon
Team Rule Breakers

I am generally staying the course right now, with high exposure to stocks, but I have recently been trimming a few positions and writing more covered calls to increase my cash balance.

  • Current stance: Getting more defensive/raising cash
  • Primary focus: High-growth equities; cash/short-term yields.
  • What changed: I’ve seen several of my stocks run up in price significantly recently. That’s good news, and I am very much a believer in the Rule Breakers “let your winners run” philosophy. But in some cases, the increases mean that a position is becoming a larger portion of my portfolio than I would like. In those cases, I think some targeted trimming is warranted. Even more so as I’m becoming more wary of overall market optimism.
  • Investor takeaway: Hold to your personal portfolio allocation strategy and constraints. Let the market inform your approach, but don’t let it control you.

divider

Matt Frankel, CFP®

By Matt Frankel, CFP®
Team Hidden Gems

I’m taking a more cautious approach than usual, focusing on established businesses with stable cash flow.

  • Current stance: Getting more defensive/raising cash
  • Primary focus: Dividend/income stocks; value/distressed assets.
  • What changed: The stock market is on the more expensive end of the spectrum, historically speaking.
  • Investor takeaway: There’s no way to accurately time the market, and just because stocks are expensive doesn’t mean they can’t keep rising. But by focusing on excellent businesses at reasonable valuations, you can set yourself up nicely for whatever comes next.

divider

Foolish Final Thoughts

Every answer above is someone putting real money behind a belief they’ve said out loud. That’s harder than it sounds. It means naming what has to go right, and living with what happens if it doesn’t. Do the same with whatever you’re weighing this month. Write down the belief before you buy, then check it in three years.

divider

Today’s Question!

How are you investing, and why?

Debate with friends and family, or become a member to hear what your fellow Fools are saying!

50% Bonus On Prediction Markets Up To $50


The Offer

No direct link to offer, sent out via e-mail. Subject line is ‘Pro Football is Back — Get a 50% Trade Match’

  • Gemini is offering a bonus of 50% when you use Gemini prediction markets through September 15 at 1:59 AM ET

The Fine Print

  • Offer is valid from 09/02/26 at 12:00 AM ET through 09/15/26 at 1:59 AM ET.
  • Available to new and existing U.S. customers placing a trade on Gemini Predictions Pro Football event contract markets priced between 20% and 80%, only.
  • Rewards will be capped at $50.00 in total payouts per user.
  • Market makers are excluded.
  • Your account must have no restrictions at time of payout.
  • Rewards will be paid out to qualifying customers upon settlement of the qualifying trade.

Our Verdict

Markets need to be priced between 20% and 80%, so you can’t just bet on a sure winner. Still profitable if you do matched betting with two accounts (e.g bet two sides of an event with only two outcomes). Some people have a 100% match if they are new customers. If you have issues with gambling then stay far far away from this. 

Hat tip to reader Dylan

3 Ways To Trick Claude Into Doing Your Evil Bidding



Let’s all remember what we’re dealing with here, people

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The Risk of Treating Derivatives as the Strategy


  • Derivatives should modify portfolio risk—not become the strategy.
  • Hedging, liquidity, and exposure should adjust as market regimes change
  • Independent verification and firm sizing limits can constrain overlay risk.

The hallmark of a resilient portfolio is one where an institutional manager is clear about which layer of portfolio management is responsible for which job. It also requires discipline — enough to adjust that division of labor as the regime moves, rather than leaving any one layer frozen in place.

Asset allocation determines where returns come from. Derivatives determine how those returns are experienced. That second role only works if it is set up to be flexible and adjusts as conditions change. A hedge that never moves isn’t really protection. It’s a static bet living under the guise of a hedge. The layer that derivatives occupy has to move as the regime underneath it changes.

There’s a well-documented case of what happens when that architecture is built wrong, and it’s worth sitting with for a moment.

At the end of 2019, Allianz Global Investors raised more than $11 billion from roughly 114 institutional investors for a strategy called Structured Alpha funds, an options overlay on the S&P 500 marketed as generating steady returns while protecting against a 10% to 15% market decline.

In February and March 2020, the funds lost more than 90% of their value in a matter of weeks. The US Securities and Exchange Commission later found that the promised hedges were not reliably in place. Allianz Global Investors pleaded guilty to criminal securities fraud, and the firm and its parent paid more than $5 billion in fines and restitution.

There was a design flaw underneath the fraud charges. The protection Structured Alpha advertised was static. It promised to absorb a 10% to 15% drawdown, but the strategy didn’t widen as volatility climbed through January and February 2020, and it wasn’t built to tighten back once the worst had passed.

Structured Alpha was never positioned as a layer that moved with conditions; it was positioned as the return itself, fixed in place no matter what regime the market happened to be in. It was one setting, sold as though markets only ever needed one. A portfolio that treats “having derivatives” as a single, fixed condition has no way to tell the difference until the damage is already done.

The first three posts in this series each took on one piece of a larger architecture:

Put together, they describe three layers, each answering a different question. This post draws from the previous three to examine what happens when the dynamics underneath shift.