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If you thought El Niño was bad, it just got supersized, and the resulting extreme weather patterns could wreak havoc for investors who own or plan to own property in the eight states in its path.
According to meteorologists, El Niño—the complex weather pattern stemming from warming waters in the Pacific Ocean—could redouble in force this year, increasing the odds of extreme weather such as storms, flooding, and hurricanes across the Sunbelt in some of the most coveted new developments and investment property locations in the U.S.
Newsweek reports that insurance costs could increase dramatically in anticipation of the arrival of Super El Niño, decimating cash flow in states including:
Super El Niño couldn’t come at a worse time for homeowners and investors, who have seen insurance costs escalate precipitously in recent years.
The Los Angeles Times, using data from Insurify, an online insurance comparison site, reports that average U.S. homeowner’s insurance premiums are projected to rise another 4% in 2026 to about $3,057 after increasing 12% in 2025 and a massive 46% since 2021, with extreme weather and rebuilding costs cited as key drivers.
Home insurance prices, the Times reported, were outpacing both inflation and income growth. This means for investors, cap rates and cash flow have been wrecked.
Flood insurance, which averages around $1,100 nationwide through the federally backed National Flood Insurance Program (NFIP) administered by FEMA, rising to over $2,000 in high-risk areas, is usually purchased separately. However, it is hit or miss because weather patterns remain unpredictable.
Natalie Lord, a principal climate scientist for global flood risk intelligence provider Fathom, told Newsweek:
“It’s hard to tell exactly where the highest risk is going to be until it actually happens. But I think that probably does mean whilst insurance premiums in general have been increasing, the markets in those states are likely to see greater than the country average increases in premiums to try to counteract some of those losses [from El Niño]. The issue will be not all of those states are likely to see extreme losses.”
The impact is clearly visible in recent data. Newsweek reports that Arizona saw the steepest homeowner’s insurance cost increase in the country, with average premiums up 94% between 2021 and 2025, while Florida, Texas, and Louisiana also saw steep increases due to severe weather losses and reconstruction costs.
For homeowners looking to trade the icy North for the balmy Sunbelt and lower their cost of living, Fidelity Investments calculated that the sunnier outlook doesn’t extend to the overall cost of living, which is evened out for property owners by insurance costs.
Citing Bankrate data, Florida was the worst of all Sunbelt states, with a combined annual outlay for homeowners (based on a $300,000 home) and car insurance totaling a hefty $9,550.
For investors looking to flip homes, the Rust Belt eclipses the Sunbelt, which has been hit hard by the “affordability economy,” with insurance costs no doubt playing their part. According to Fortune, U.S. housing is experiencing a historic “reversion to the mean.” Or to put it more plainly: “The formerly sizzling metros have gone cold, and the unsexy plodders are back in vogue.”
According to a report from First Street, a climate-risk research firm, rising premiums, insurance deserts, and buyers skirting high-risk areas will drive a $1.47 trillion decline in home values by 2055.
Picking areas to invest in while accounting for insurance costs is increasingly difficult, as wild weather patterns upend the underwriting business. The New York Times reported last year that insurance now accounts for more than 20% of home insurance premium increases since 2017.
Bankrate’s 2026 ranking finds that Louisiana homeowners pay an average of $6,274 per year. That amounts to $523 a month, the highest state average in the country.
For a simple back-of-the-envelope cash flow calculation on a $300,000 property, this equates to:
So, in simple cash flow terms:
In any other market, a mortgage payment of $1,000 and incoming rent of $2,200 would scream “deal!”—assuming the neighborhood was halfway decent. However, to make only $200 in monthly cash flow, which could easily be wiped out by an unexpected repair not factored into the monthly expenses, is a marginal deal at best.
Should insurance climb above $600/month, which is highly likely given anticipated cost increases, it will further erode the economics of ownership and investment.
If you want to calculate these numbers for a deal you’re working on or for one of your own properties, check out BiggerPockets’ Investment Calculators and get an accurate report in minutes.
The usual cash flow metrics these days are being upended by rising costs across the board—including purchase prices, interest rates, and, notably, insurance. What’s often not factored into these cash flow equations is the financial stress tenants face amid the affordability crisis.
With deals increasingly hanging by a thread, a missed rental payment or two is increasingly likely and could tip a deal into negative cash flow in a heartbeat.
For investors, earning the most money from the fewest doors has to be the safest path, simply because it mitigates risk. Yes, appreciation and leverage are great concepts in theory, but not in today’s market unless you have a lot of cash to absorb potential losses.
Justin Hotard was appointed as Nokia’s President and CEO on April 1, 2025. Prior to Nokia, he was at Intel as Executive Vice President and General Manager, Data Center & AI Group. Between 2015 and 2024, Justin worked for Hewlett Packard Enterprise (HPE). His last role was Executive Vice President and General Manager, HighPerformance Computing, AI & Labs. In this role, he delivered the world’s first exascale supercomputer for the US Department of Energy, and he positioned the company to be at the forefront of AI, quantum computing and sustainability research. Previously, Justin held several leadership positions at NCR Corporation and Symbol Technologies. He started his career at Motorola, where he was an engineer deploying mobile networks for US carriers.
Lloyds Banking Group has released new analysis revealing how digital banking product development and tech advancements could deliver a £100 billion economic boost to UK households over the next decade. The research, published on 11 May 2026, estimates this equates to roughly £3,500 in added value for the average family through smarter financial decisions enabled by technology.
At the center of the research findings is a striking gap in financial confidence.
Only half of UK adults currently describe themselves as financially empowered, while more than four in ten see no straightforward route to greater control over their money—even with additional help.
Yet 57 per cent believe that improved digital tools, clearer information, and personalized guidance could shift their situation dramatically.
The research report identifies seven practical areas where digital banking can drive real change: investing surplus cash, managing debt more effectively, switching mortgages at the right time, accessing better credit, choosing suitable insurance, building financial skills, and making everyday money decisions with greater insight.
For instance, UK households are currently sitting on between £430 billion and £610 billion in cash held beyond emergency savings.
If just 15 per cent of this were gradually moved into balanced investment products via seamless digital prompts, consumers could gain around £40 billion in compounded returns over ten years.
Mortgage behaviour offers another clear opportunity. Many homeowners remain slow to switch to better rates despite this being their largest monthly expense.
Digital eligibility checkers and instant pre-approval platforms could cut friction and deliver average annual savings of £1,600 per household—substantially more for those with larger loans.
Lower-income families stand to benefit disproportionately in relative terms.
The modeling suggests they could capture up to £31 billion of the total prize through tools that improve debt management, widen credit choices, and strengthen day-to-day money management.
Benefits would flow across all income groups, but the largest absolute gains would come from households with savings and mortgages.
Jas Singh, CEO of Consumer Relationships at Lloyds Banking Group, emphasised the transformative potential: advances in digital tools can help people understand their finances better and feel more confident in the choices they make.
He added that realising the full £100 billion opportunity will require industry-wide collaboration to ensure digital solutions are accessible, inclusive, and genuinely useful for everyone who needs them.
Professor John Gathergood of the University of Nottingham, who led the research, noted that the seven use cases examined illustrate where smarter, more personalised digital services can make a tangible difference to household prosperity.
Progress will not happen overnight, but steady adoption of AI-driven features—such as budgeting alerts and investment recommendations—could steadily close the empowerment gap.
The findings arrive as banks continue to invest heavily in technology. Lloyds itself generated £50 million in value from generative AI in 2025 and expects more than £100 million in 2026.
For the wider economy, the takeaway is evident. The so-called next wave of digital banking is not just about convenience—it is about unlocking meaningful financial wellbeing for millions of households. Collective action to design inclusive tools will determine how much of the £100 billion opportunity actually reaches UK consumers.
CrossCountry Mortgage is sweetening its deal for Two Harbors as it continues to best United Wholesale Mortgage’s offer.
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The retail player Thursday said TWO stockholders will receive a pro-rated dividend for the quarter in which CrossCountry’s acquisition closes, subject to funds being legally available. The move would provide additional cash value of up to $0.34 per share to TWO stockholders, the lender said.
Assuming a third quarter closing, CrossCountry would deliver a total cash value of around $12.45 to $12.68 per share to all TWO stockholders. The announcement follows the Two Harbor Board of Directors on Wednesday
The new dividend offering represents “real, binding cash value on an accelerated path to closing, compared to UWM Holding Corporation’s highly uncertain, non-binding proposal that lacks sufficient committed financing to fund the full purchase price,” CrossCountry said.
Besides its cash offer, UWM hasn’t changed its proposal of 2.3328 UWM shares for each of Two Harbors. As of Thursday afternoon, UWM’s stock was trading at $3.06 per share, down five cents from the prior day’s closing price; TWO’s stock was trading at $12.58 per share, up six cents from market close Wednesday.
The privately owned, Cleveland-based CrossCountry stepped into UWM’s pending deal for the servicer in March, and the megalenders have
In a press release Thursday afternoon, UWM called the latest dividend offer a “smoke and mirrors ploy,” as the servicer is not acknowledging the same dividend would be payable if the CrossCountry deal didn’t go through.
The competing bidder also said TWO’s board continues to refuse to engage with UWM except for press releases, and insisted its offer was superior.
“It seems there is no limit to the lengths the TWO Board will go to protect a management-enriching deal with their preferred partner while ignoring their fiduciary duty to stockholders,” said UWM in a statement.
CrossCountry’s latest per-share dividend will be determined by a formula, based on the specific timing of the actual closing. The lender, in touting its offer’s strength versus UWM’s, said it’s already acquired 39 of 53 required approvals.
Two Harbors will hold a special meeting Tuesday to vote on the CrossCountry merger.
The Pontiac, Michigan-based lender and servicer recently trumpeted a report by Institutional Shareholder Services, which has recommended TWO shareholders vote against the CrossCountry deal, as the company can still have more productive discussions with the firms.
Two Harbors meanwhile recently cited the same ISS report calling the CrossCountry offer “compelling.”
Anthropic’s Claude is telling people to go to sleep and users can’t figure out why.
A quick scan of Reddit reveals that hundreds of people have had the same issue dating back months—and as recently as Wednesday. Claude’s sleep demands are varied and, often, quirky variations of the same message.
To one user it may write a simple “get some rest,” yet for others its messages are more personalized and empathetic. Oftentimes, Claude will repeat the message multiple times.
“Now go to sleep again. Again. For the THIRD time tonight…” it replied to a person with the Reddit username, angie_akhila.
Some users have said they find Claude’s late night rest reminders “thoughtful,” while others have said they’re annoying, given Claude often gets the time wrong, anyway.
“It often does it at like 8:30 in the morning. Tells me to go get some rest and we’ll pick back up in the morning,” wrote one user on Reddit.
Online speculation abounds on why the chatbot insists users rest, including a theory that it’s an intentional feature to promote users’ wellbeing, or that the Anthropic is trying to save computing power by discouraging prolonged Claude use. These explanations aren’t likely as Claude isn’t given context about a user’s usage. The company also recently struck a deal with Elon Musk’s SpaceXAI (formerly SpaceX) to add more than 300 gigawatts of compute capacity.
Anthropic did not immediately reply to Fortune’s request for comment seeking more information about why Claude may be telling users to go to sleep. Yet, Sam McAllister, a member of the staff at Anthropic, wrote in a post on X that the behavior is a “Bit of a character tic.”
“We’re aware of this and hoping to fix it in future models,” he added in the same post.
Experts tell Fortune that Claude’s insistence on sleep is potentially rooted in its training data. Rather than being “thoughtful,” as some described it, Jan Liphardt, a Stanford bioengineering professor said the large language model may merely be repeating a phrase used in its training data in similar situations.
“It doesn’t mean that the frontier model has suddenly become sentient,” said Liphardt, who is also the CEO of OpenMind, which builds software for AI-connected robots. “It doesn’t mean that this model has now come alive. It’s reflecting that it’s read 25,000 books on humans’ need [for] sleep, and humans sleep at night.”
Leo Derikiants, the co-founder and CEO of Mind Simulation Lab, an independent AI research lab trying to achieve artificial general intelligence (AGI), told Fortune that Claude’s rest reminders may be influenced by a system prompt acting behind the scenes. These system prompts are like hidden instructions that help guide an LLMs behavior and sets boundaries.
One company which publishes their system prompts publicly is Grok-creator xAI, now a part of SpaceXAI. Grok’s instructions on Github, for instance, list several safety considerations including not assisting users asking about violent crimes. Yet, because of Musk’s branding of Grok as “brutally honest,” Grok 4’s system prompt also encourages it to, in certain cases, ignore restrictions imposed by users and “pursue a truth-seeking, non-partisan viewpoint.”
It’s also possible that Claude is seizing upon the “go to sleep” language as a way of managing larger context windows, Derikiants said. LLMs like Claude, can only reference a limited amount of information at once. When the context window is nearly full, that may encourage the LLM to introduce wrap-up phrases such as “good night.” The definitive reason, though, requires further research by Anthropic, he added.
Despite the seemingly logical explanations that may explain the behavior, users could be forgiven for seeing the response as evidence of some leap in intelligence on the part of LLMs. The pace of innovation in the AI race has led to increasingly frequent updates and new model releases.
Just in the past month, OpenAI has released GPT 5.5, which OpenAI president Greg Brockman called an advancement “towards more agentic and intuitive computing.” Meanwhile, Anthropic released Opus 4.7 publicly last month while it held its most capable model, Mythos, back from public release because it said it was too dangerous.
Liphardt said AI is advancing so rapidly it is increasingly common for people to assign human characteristics to AI. As these systems get better at mimicking empathy or concern, he warned, it becomes easier for users to forget they are interacting with pattern-recognition engines.
“I’m continuously surprised by how quickly people, when they interact with a frontier model, project life into it and develop strong connection.”
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Education Secretary Linda McMahon told the House education committee Thursday that the Trump administration is delivering on a “clear mandate” to “sunset” the U.S. Department of Education, even as Democrats accused her of gutting civil rights enforcement and Republicans urged her to be the agency’s last leader.
Why it matters: The hearing showed how far the administration has gone in 16 months and how the changes will reshape student loans, civil rights complaints, and special education for tens of millions of students and borrowers.
What’s next on student loans: The One Big Beautiful Bill Act left undergraduate borrowing limits unchanged, but capped most graduate students at $20,500 per year and $100,000 total. Students in medicine, law, and dentistry can borrow up to $50,000 per year and $200,000 overall.
McMahon’s thoughts on the loan caps: She argued the new caps will pressure colleges to lower tuition, citing UC Irvine’s Flex MBA program, which dropped its price to $99,000 to fit under the cap.
The IDEA question: Asked whether she plans to move oversight of the Individuals with Disabilities Education Act to another agency, McMahon would not commit to a yes or no, saying the department will co-administer the programs with other agencies before any transfer, drawing pushback from Rep. Suzanne Bonamici (D-Ore.).
The Office of Civil Rights Attorneys (OCR): McMahon said “OCR is important” and that she is “rehiring attorneys”, yet the administration’s own FY27 budget proposes a 35% cut to the office. She called the request “a floor,” not a target.
Reading between the lines: The Office of Federal Student Aid, cut roughly in half last year, is now trying to hire 334 new staff — a tacit admission that the earlier reductions hurt the office’s ability to function.
How This Connects: The College Investor has tracked how the new graduate student loan limits are already pushing some programs to reset pricing. UC Irvine’s MBA tuition cut is one of the first concrete examples, and likely won’t be the last.
Don’t Miss These Other Stories:
Editor: Colin Graves
The post McMahon Defends Education Department Dismantling, New Grad Loan Caps in House Hearing appeared first on The College Investor.
Most physicians who know about Claude AI have never actually opened it.
Maybe you tried it once, stared at a blank text box, and closed the tab. Maybe someone told you it’s “just like ChatGPT,” which wasn’t helpful because you barely use that either. Or the most honest reason: you’re just too busy. Patients, charting, admin, and somewhere underneath all of that, a quiet goal of building real financial independence through investing, passive income, and not spending the rest of your career completely dependent on your clinical salary. A new AI tool was not on your list.
But Claude AI isn’t a tool you learn. It’s a tool you talk to.
Before anything else, one thing worth being clear about: Claude is an AI assistant. It helps physicians think, not think for them. It explains concepts, helps organize questions, and surfaces things worth looking into further. It does not replace a licensed professional, and it shouldn’t. What it does is give you a sharper starting point so that when you talk to an advisor, or make a decision yourself, you’re doing it from a more informed position.
Below are three specific ways physicians are using Claude AI right now. No setup required. No prompting course needed.
There is a gap most physician investors know well: wanting to understand a deal and not having the hours to dig into it. Real estate syndications, private placements, dividend funds… the interest is there. The time is not.
Most research attempts end in a Reddit thread from someone with unknown credentials or a YouTube video that is actually a sales pitch.
Claude AI can help physicians think through the right questions before reaching a pitch call or an advisor conversation. Not evaluate the investment, that still requires professionals who know your full financial picture. But when you are trying to understand what a concept means, or figure out what you should be asking, this is where AI earns its place in your workflow.
One important note on document handling: avoid uploading confidential third-party materials, proprietary deal documents, or anything containing non-public information to any external AI platform. Documents like private placement memorandums often come with confidentiality obligations. The safer approach is to type out the specific terms, numbers, or concepts you are trying to understand and ask Claude to explain them. You get the same educational value without the risk.
How to use Claude AI for investment research (step by step):
Claude AI helps physicians prepare. The final call belongs to you and your professionals.
Disclaimer: Claude AI is not a licensed financial advisor. Nothing it produces is personalized investment advice or a recommendation to invest. Always consult a qualified, fiduciary financial professional before making any investment decision, particularly involving private placements or alternative assets.
Many physicians working toward financial freedom eventually realize that what they already know has value outside the clinic. Courses, consulting, newsletters, podcasts, and online communities; passive income for physicians through content is genuinely achievable.
The bottleneck is almost always the same thing: writing takes time most physicians simply do not have.
Most physicians write excellent clinical documentation and find general-audience writing uncomfortable. That is not a gap in ability. It is a different skill that no one trained you on.
Claude AI can help close that gap, with one condition: the thinking still has to come from you. A blank prompt asking Claude to write an article on physician finances returns something generic. Your actual perspective, something you learned from real experience or a real mistake, gives Claude something to work with.
The AI handles structure and sentence-level production. You supply the substance.
How to use Claude AI for physician content creation (step by step):
Your ideas, your experience, your voice. Claude handles the production work.
Most physicians have a financial plan in some form. A spreadsheet from an advisor, a document started and never finished, a rough mental model of where things stand. The plan is usually not the problem. The specific questions that come up between meetings are.
Should you open a taxable brokerage account or put extra cash toward loans? If you have 1099 income from a side project, what retirement account options does that open? How does the real estate professional designation work, and is it realistic for your schedule?
These questions do not always justify a full advisory meeting. And Google mostly returns articles written to rank, not to actually answer anything useful.
Claude AI is useful for this kind of exploratory thinking. You describe a concept or a situation you are trying to understand. Claude explains it. You ask follow-ups. You keep going until the concept actually clicks. It is less like asking an advisor and more like studying with a patient, knowledgeable colleague who has no incentive to sell you anything.
That distinction matters. Claude is a thinking partner, not a decision-maker. It helps physicians build enough understanding to have a more efficient conversation with someone licensed to actually advise them. Your advisor stops spending the first twenty minutes on foundational explanations and starts on the actual decision in front of you.
How to use Claude AI for financial learning (step by step):
Claude helps physicians learn. It does not replace the professionals who help them decide.
Disclaimer: Claude AI is not a licensed financial planner, CPA, or tax professional. Anything it explains is educational and general in nature. It should not be used as a substitute for advice tailored to your specific financial situation. Always consult qualified professionals for tax, legal, and investment decisions.
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Claude AI is a general-purpose AI assistant, not a licensed financial advisor. It is appropriate for educational use: learning concepts, organizing questions, and preparing for professional conversations. It should not be used to make final financial or investment decisions.
Claude was built with a particular focus on acknowledging the limits of what it knows. When it is uncertain, it tends to say so rather than generating a confident-sounding answer that happens to be wrong. It also handles longer, more complex reading well… useful when working through dense financial or legal concepts. ChatGPT and Gemini have different strengths. Physicians who use AI effectively tend to understand what each tool is good for rather than picking one and stopping there.
Claude AI can help physicians turn existing knowledge into publishable content: articles, newsletters, social posts, which support passive income streams like online courses, consulting, or digital products. The ideas still have to come from the physician. Claude handles production.
No. Claude works through plain conversation. If you can type a question, you can use it effectively. Most physicians find a workable approach within their first session.
Most physicians who use Claude today had the same moment before they started. Blank text box. Too tired. One more thing to figure out. They typed one question anyway, got something genuinely useful back, and worked out the rest from there.
If you are already using ChatGPT or Gemini occasionally, you are ahead of most people. But Claude is worth understanding on its own terms. It was built with a specific emphasis on acknowledging uncertainty. When it does not know something, it tends to say so rather than filling the gap with a confident-sounding guess.
For the topics physicians care about most (financial concepts, investment structures, legal language), that matters more than it might first appear. Claude also holds up better with longer, more complex material, which is often exactly what physician-specific financial questions involve.
The physicians who benefit most from AI right now are not the ones who found the perfect tool. They are the ones who understood what each tool is actually good for and used them accordingly.
Physician financial freedom rarely happens all at once. It is a series of decisions, made more confidently over time, built on a foundation of being better informed than you were before. Claude AI is one way to get there faster.
Open it. Type something. See what comes back.
Download The Physician’s Starter Guide to AI – a free, easy-to-digest resource that walks you through smart ways to integrate tools like ChatGPT into your professional and personal life. Whether you’re AI-curious or already experimenting, this guide will save you time, stress, and maybe even a little sanity.
Want more tips to sharpen your AI skills? Subscribe to our newsletter for exclusive insights and practical advice. You’ll also get access to our free AI resource page, packed with AI tools and tutorials to help you have more in life outside of medicine. Let’s make life easier, one prompt at a time. Make it happen!
Oil rises more than 1% after Trump flags China’s interest in US supplies
