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2026 – 2027 Student Aid Index (SAI) Chart And Calculator
2026 – 2027 Student Aid Index (SAI) Chart And Calculator
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Using Retirement Distributions For Mortgage Qualification
We’ve expanded our approach to the three-year continuance requirement for distribution income.
Meeting the 3-Year Continuance Requirement
When a borrower uses distributions from a retirement account, we must verify that the account has sufficient funds to continue payments for at least 36 months. But what happens when the primary account doesn’t show enough remaining funds?
If the borrower’s main retirement account falls short of meeting the three-year continuance requirement, we will now consider additional retirement or similar accounts to bridge the gap. As long as the combined balances demonstrate that the borrower has sufficient funds to sustain payments for the next 36 months, the income may be considered eligible.
To use retirement distributions as qualifying income:
- At least one fixed payment must already be made to the borrower.
- This ensures that the income is stable, consistent, and likely to continue.
This expanded approach gives borrowers more financing options and greater opportunity to qualify, especially those who maintain multiple retirement accounts or diversified investment portfolios.
If you have questions about using retirement distributions to qualify for a mortgage, our team is here to help. Contact us today and let us guide you through your financing options.
What Can You Do With A Business Degree?
Do you have a business degree? Are you thinking of getting one to become an entrepreneur? Then this video is for you! I’ll tell you about the pros and cons of entrepreneurship and also what you can do with a business degree.
00:00 Intro & Summary
00:41 Warning
02:12 What a business degree is for
05:23 Mind-blowing revelation
05:45 Pros of entrepreneurship
08:17 Innovation
09:43 No retirement
10:14 Cons of entrepreneurship
13:27 What’s next?
Watch and Enjoy!
Nate Woodbury
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First internet bancorp director Fenech buys $19,830 in stock
First internet bancorp director Fenech buys $19,830 in stock
What Is FAFSA Verification? Your Step-By-Step Guide
Key Points
- FAFSA verification is a routine federal review process. Being selected does not mean you made a mistake.
- Colleges must confirm certain FAFSA information before releasing federal aid. That often requires tax records, income documentation, or identity confirmation.
- Failing to complete verification can delay (or eliminate) your financial aid eligibility.
Each year, millions of students complete the Free Application for Federal Student Aid, better known as the FAFSA. For many, the process ends with a financial aid offer. For others, it pauses unexpectedly with a request for “verification.”
Verification can feel unsettling. It should not. This is NOT like an IRS audit and it doesn’t mean you did anything wrong. The Department of Education requires that a certain number of applications are verified each year. If you are appealing your financial aid award, it’s required the school verifies your information. Sometimes the college may want to verify your information to avoid financial aid fraud.
Below is what FAFSA verification means, what schools expect from families, and what happens if you do not respond.
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What Is FAFSA Verification?
U.S. Department of Education oversees the FAFSA and requires colleges to confirm certain information reported by applicants. This confirmation process is called verification.
Each year, a portion of FAFSA filers are selected. According to federal data in recent years, roughly 30% of applicants are flagged for some form of verification, though the percentage can vary depending on federal policy changes.
Selection may be random. In other cases, it is triggered by:
- Inconsistent income data
- Missing information
- Household size discrepancies
- Unusual tax situations
- Conflicts between reported income and IRS records
If selected, the student’s FAFSA Submission Summary will indicate that additional information is required. Colleges listed on the FAFSA will then contact the student directly with next steps or the family can follow the steps on StudentAid.gov.
Verification is not optional. Federal regulations require colleges to resolve discrepancies before disbursing federal student aid.
Why Does The Government Verify Financial Aid Information?
Federal student aid programs distribute tens of billions of dollars annually in Pell Grants, work-study funds, and student loans. Verification exists to ensure:
- Aid is distributed correctly
- Reported income and family data are accurate
- Tax information matches IRS records
- Students meet eligibility requirements
- Stop financial aid fraud and “ghost students”
The process also protects families. If an error underestimated your eligibility, verification can sometimes result in more aid, not less.
How Families Are Notified Of FAFSA Verification
Students learn about verification in two main ways:
- A notice on the FAFSA Submission Summary.
- Direct communication from the college’s financial aid office.
Each college handles its own verification process. If a student applied to five schools, they may need to complete verification five separate times. Requirements and submission portals can vary.
Colleges often request documentation through online portals. Some institutions use the Institutional Documentation Service (IDOC) connected to the CSS Profile for private institutional aid.
Families should always be checking:
- Email accounts
- Financial aid portals
- Physical mail
Delays in responding can slow down financial aid offers.
What Documents Are Required?
The documents requested depend on what is being verified. In many cases, income information is confirmed automatically through the IRS Direct Data Exchange (DDX), which securely transfers tax data into the FAFSA.
If tax information was transferred directly and remains unchanged, additional income verification may not be required.
When documentation is required, families may need to provide:
Income Documentation for Tax Filers
- IRS tax transcript
- Signed copy of the federal tax return (Form 1040 and schedules)
- W-2 forms
- 1099 forms
- Statements confirming IRA or pension rollovers
Special situations (such as divorce after filing a joint return or filing extensions) require additional signed statements and documentation.
For Non-Tax Filers
- Signed statement confirming non-filing status
- Statement listing income sources and amounts
- W-2 forms
Identity or Educational Purpose
Students may be asked to submit:
- Government-issued photo ID
- A signed Statement of Educational Purpose
Family Size Confirmation
If household size changed, colleges may request a signed statement listing family members and relationships.
What Are The Potential Outcomes Of FAFSA Verification?
Once documents are submitted, the financial aid office compares them with FAFSA data.
There are three possible outcomes:
1. No Change
This is the most common outcome. If documentation matches FAFSA information, the Student Aid Index (SAI) remains the same. Aid eligibility does not change.
2. Increased Student Aid Index (SAI)
If documentation shows higher income or fewer household members than originally reported, the SAI may increase. A higher SAI signals greater ability to pay, potentially reducing need-based aid such as Pell Grants.
3. Decreased Student Aid Index (SAI)
If verification shows lower income or higher household size, the SAI may decrease. A lower SAI can increase eligibility for need-based federal and institutional aid.
Colleges must send an updated financial aid offer if changes occur.
What Happens If You Don’t Complete Verification?
If you do not complete verification:
- Federal grants and student loans cannot be disbursed.
- Pell Grant eligibility will not be finalized.
- Work-study funds cannot be awarded.
- Institutional aid may be canceled.
In practical terms, the student will not receive a financial aid package.
For some families, that can mean thousands (or tens of thousands) of dollars in lost assistance.
Colleges are required to resolve verification flags before releasing federal funds. They cannot “override” the process.
Bottom Line
FAFSA verification is a safeguard in the federal student aid system. It ensures aid is calculated accurately and distributed correctly.
For families, the most important steps are simple:
- Do not panic. Selection is common.
- Read all instructions carefully.
- Submit requested documents promptly.
- Communicate with the financial aid office if anything is unclear.
Verification can feel intimidating, but in most cases it results in no change to aid eligibility. The risk comes not from being selected, but from ignoring the request.
Financial aid cannot move forward until verification is complete.
Don’t Miss These Other Stories:
Can You File FAFSA If Your Parents Didn’t File A Tax Return?
Can You File FAFSA If Your Parents Didn’t File A Tax Return?
10 Biggest FAFSA Mistakes That Could Cost You Financial Aid
10 Biggest FAFSA Mistakes That Could Cost You Financial Aid
Editor: Colin Graves
The post What Is FAFSA Verification? Your Step-By-Step Guide appeared first on The College Investor.
Say Hello to the Growth Stock That’s Winning the Streaming Wars
This company is finding success as a neutral platform that connects viewers and content companies.
When investors think about companies within the streaming market, the vast majority probably come up with Netflix first. However, there are other businesses in this evolving industry that also deserve some attention.
For example, one streaming platform just reported revenue of $4.7 billion in 2025. That figure is 161% higher than in 2020, demonstrating robust adoption trends.
Say hello to the growth stock that has a winning position in the streaming wars.
Image source: Getty Images.
Finishing off the year on a high note
During the fourth quarter of 2025, Roku (ROKU +0.99%) posted revenue that was up 16% year over year. That number came in ahead of Wall Street analyst estimates. The business also registered net income of $88 million for the entire year. This was after Roku reported a cumulative net loss of $839 million in 2023 and 2024.
“Looking ahead to 2026 and beyond, we’re confident in our ability to sustain double-digit platform revenue growth while continuing to grow profitability,” founder and CEO Anthony Wood said on the Q4 2025 earnings call.
It’s also worth noting that Roku produced a record $484 million in free cash flow (FCF) last year. Increasing FCF per share is management’s priority.
Performing well in the streaming wars
Roku’s advantage in the streaming wars is that it’s a neutral platform. It connects content from numerous providers with consumers in 17 countries. It’s on track to exceed 100 million streaming households this year, as customers find value in aggregating their subscriptions in one easy-to-use interface.
This means Roku will continue to gain as the whole streaming industry takes viewership from cable TV. It’s doing a good job capturing a bigger audience, especially with The Roku Channel, which is the second most popular free, ad-supported streaming app in the U.S. And based on hours streamed, Roku is the top platform in North America.
Consequently, Roku has the scale, data, and integrations to attract ad dollars. This should support years of top-line growth.
Today’s Change
(0.99%) $0.91
Current Price
$93.19
Key Data Points
Market Cap
$14B
Day’s Range
$91.63 – $93.83
52wk Range
$52.43 – $116.66
Volume
17K
Avg Vol
3.4M
Gross Margin
43.79%
Roku is trading significantly below the peak
When its revenue was rising at more than 50% per year, Roku shares hit their peak in July 2021. Today the stock is trading 82% below that all-time high (as of Feb. 23). Market sentiment has clearly weakened considerably, as growth has stabilized.
Investors interested in buying shares can do so at a more compelling valuation. The price-to-sales ratio of 2.7 is a good entry point. Consensus analyst estimates call for earnings per share to increase at a compound annual rate of 84% over the next three years, a tailwind that can lift the stock price.
The Investment That Pays 90% of Its Income to You: A Guide to REITs
Are REITs a Good Investment? A Brief Lesson in Diversification
Long before Modern Portfolio Theory proved the benefit of diversification, “Don’t put all your eggs in one basket” was practiced. Intuitively, it makes sense to spread your income and investing risk around. The rationale behind diversification and asset allocation is that when one asset goes down in value, another may go up. Spread your investments and risk around and you’ll decrease the volatility of your returns.
For example, invest only in one stock market mutual fund and when the stock market falls 20% in a bad year, so do your investment returns. Add a bond mutual fund to the stock fund and even if the returns on the stock fund fall, the bond fund’s returns might go up 15% and make your total portfolio value more stable. Add real estate to the mix and the added diversification, and lower correlation with the other asset classes increases returns and lowers overall risk of your portfolio.
By adding various asset classes to your investment portfolio your portfolio risk declines and return improves.
What is a Real Estate Investment Trust (REIT)?
” REITs earn a share of the income produced through real estate investment – without actually having to go out and buy or finance property.”
REIT.com
So, you want to add real estate to your investments but don’t understand the whole real estate investment company idea.
According to REIT.com, a real estate investment trust is comprised of many companies, similar to a mutual fund, that own or finance income-producing real estate. There are two general varieties, Equity REITs and Mortgage REITs.
Equity REITs own real property, while mortgage REITs are actually debt instruments and own various types of real estate mortgages and loans. Drilling down, there are many distinct types of REITS from office, industrial, lodging, self-storage, infrastructure, mortgages, diversified and more. Due to the vast choices in real estate, investors can choose to invest in a specific type of REIT, like a mortgage REIT, or go with a broadly diversified fund with many types of real estate holdings.
I’ve invested in both bricks and mortar real estate and REITs and I’m a fan of REITs.
REIT dividends provide steady cash flow and allow you to sleep at night. You’re not going to get a tenant calling at 2 am with a broken pipe. When investing in the Vanguard Real Estate ETF (VNQ) fund you won’t worry when a tenant moves out before the lease is up.
Investing in a real estate fund is as easy as reviewing a list of available funds and clicking “buy” at your online discount brokerage account. But before you rush out to invest, check out the advantages and disadvantages of REIT investing.
Types of REITs
The benefits of investing in REITs include income, capital gains, and capturing assets in a niche corner of the market.
As an investor, I’ve bought broadly diversified real estate investment trusts in the U.S. and abroad. You might prefer to invest your money in specific types of property like storage or office buildings.
The types of real estate trusts might spark an interest in shares in an area you believe is poised to grow.
Most investors will buy and sell equity and mortgage REITs. Equity REITs are more common than mortgage REITs. Although there are also privately traded and non-listed REITs, typically for wealthier investors.
Here is a list of the types of REIT investments you might consider from various sectors:
- Office
- Industrial
- Retail
- Lodging
- Residential
- Timberland
- Healthcare
- Self Storage
- Infrastructure
- Data Centers
- Mortgage
- Diversified
REIT Index Mutual Funds and Exchange Traded Funds (ETF)
The best REITs for long term investors can be found on the NAREIT website. You’ll find nearly 200 different types of real estate investment trusts. This is also a great site to learn.
Here is a list of several broadly diversified national and international REIT mutual funds and ETFs. These are some of the best long-term REITs to gain exposure to a wide swath of the real property market.
- VGSIX-Vanguard U.S. REIT Index Mutual Fund
- VNQ-Vanguard U.S. REIT Index ETF
- RWR-SPDR Dow Jones Index REIT ETF
- VNQI-Vanguard Global ex-U.S. Global Real Estate ETF
- FGL-iShares Developed Real Estate (ex-U.S.) ETF International Fund.
- RWX- SPDR Dow Jones International Real Estate exchange-traded fund.
REIT Example – VNQI
The Vanguard Global ex-U.S. Real Estate ETF (VNQI) is a path to becoming an international real estate mogul. Well, almost. This REIT is a handy way to own real estate stocks in more than 30 countries.
You can count on Vanguard REIT funds to offer low-cost diversification.
With a 7.49% yield, passive investors seeking cash flow might benefit from the fund, with a rock-bottom 0.12% expense ratio. Recent lackluster performance may turn around as developing nations and other international real estate growth rebounds.
VNQ companies are distributed across the globe:
20.4% Emerging Markets
26.20% Europe
47.50% Pacific
1.0% Middle East
2.20% North America
2.70% Other
Pros of REIT Investing
- REITs provide an income stream as they are required by law to pay out at least 90% of their income in dividends. Although there are some REITS that circumvent the 90% rule.
- REITs have a long track record of growing their dividends.
- The properties owned by REIT companies can appreciate in value over time, thus growing your initial investment.
- REITs are professionally managed, to get the greatest returns on the individual properties.
- REITs provide diversification to a stock and bond portfolio and can curb portfolio losses should stock prices fall.
- REITs are easy to buy and sell through your online investment account. My spouse even invests in a REIT fund in his 401(k).
Compare Robinhood vs M1 Finance. Find out which platform is best for your money.
Cons of REIT Investing
- REIT investment risk might depend upon the type of properties you’re invested in. For example, mortgage REIT returns could suffer if interest rates are high and fewer investors are taking out mortgages.
- As interest rates rise, financing real estate will become more expensive and borrowers will pay higher interest costs. This can put a damper on broadly diversified REIT investment returns.
- REIT fund values go up and down, like most securities. Imagine that you buy a Vanguard REIT fund like VNQ for $76.00 per share and a 3.0% yield. If the price falls, your investment will be worth less. You’ll still receive your dividend payment, but the total value of your investment will decline.
- Although you typically earn a juicy dividend on your real estate assets, you’ll have to pay taxes on those dividends, typically at a higher rate than the 15% levied on most dividends. This is because most REIT income is considered ordinary income, although this varies by REIT.
Bonus: Should I pay off my mortgage or invest in the stock market?
FAQ
How do REITs make money?
REITs make money from rent they receive. They also make money when they sell real property for a profit.
Can you lose money in a REIT?
Yes. Like most investments, if the share price goes down, and you sell your investment, then you would lose money. When investing, it’s best to own various asset types, so that when one falls in price, others will remain steady or increase.
How is REIT income taxed?
REITs send IRS Form 1099-DIV to their shareholders. The form breaks down the dividend distributions into ordinary income, capital gains, and return of capital. Investors pay taxes according to their tax rate for each category of income.
How much do REITs pay out in monthly dividends?
REITs pay out roughly 90% of their taxable earnings. The actual REIT payout ratio depends upon how those earnings are calculated.
Are REITs a Good Investment? The Takeaway
You diversify your investments because you don’t know which financial assets are going to shine and which ones will lag. Even if REITs aren’t the best stocks in the next year or two, over the long haul, they’ve proven to be a solid way to invest in real estate and grow your financial net worth.
My family investment portfolio includes REIT shares and has for decades. Like any investment, REITs have pros and cons. Although, there’s really little reason not to invest in REITs in a diversified portfolio.
Related
- Diversyfund Review – Real Estate Crowd Funding for Everyday Investors
- REITs and Crowdfunding – How to Invest
- EquityMultiple Review – Is This Crowdfunding Platform for You?
- Fundrise vs REITs – Which is Best?
Disclosure; I own VNQ, VNQI and have an account at M1 Finance.
Disclosure: Please note that this article may contain affiliate links which means that – at zero cost to you – I might earn a commission if you sign up or buy through the affiliate link. That said, I never recommend anything I don’t personally believe is valuable.
Barbara A. Friedberg, MBA, MS, former portfolio manager, is committed to investment and money education across multiple platforms. Her work has been featured on US News and World Report, Yahoo!Finance, Investors.com and more. Friedberg owns owns barbaraFriedbergPersonalFinance.com which is dedicated to improving investment knowledge and wealth. Friedberg consults for a select group of fintech companies and writes for many popular online media outlets. Her books “How to Get Rich; Without Winning the Lottery: A Guide to Money & Wealth Building” and “Invest and Beat the Pros-Create and Manage a Successful Investment Portfolio: Best Research Supported Index Fund Strategy” are available on Amazon.
barbarafriedbergpersonalfinance.com/
Alaska Airlines: 30% Off Base Fares With Promo Code SAVE30
The Offer
Direct link to offer
- Alaska Airlines is offering 30% off the base fare of some flights with promo code SAVE30
- Purchase By: 11:59 p.m. PST on February 25, 2026.
- Travel Dates Restrictions: Travel is valid from March 10, 2026, through May 21, 2026.
- Blackout Dates: Per fare rules, travel is not valid on March 21, 2026; March 28, 2026; April 4, 2026; April 11, 2026; and April 18, 2026.
- Purchase By: 11:59 p.m. PST on February 25, 2026.
Our Verdict
Nice discount if you have one of these flights you want/need to book.
‘End Streaming Fraud.’ – Music Business Worldwide
MBW Views is a series of op-eds from eminent music industry people… with something to say. The following MBW op/ed was written by Victoria Oakley (pictured, left), Chief Executive Officer of the IFPI, the organization that represents the recording industry worldwide, and Mitch Glazier (pictured, right), CEO of the RIAA (The Recording Industry Association of America).
Here, Oakley and Glazier comment on the recording industry’s ongoing global efforts to combat streaming fraud and suggest what the music business could do to put an end to it.
Streaming fraud is a quiet threat.
It’s often undetected, but it’s happening now and at scale. It’s siphoning vital revenues away from the artists, songwriters, record labels, music publishers and others who power the music economy.
The mechanics are simple. Every day, fraudsters exploit gaps in music platforms’ protections and across the supply chain. These criminals upload tracks via distributors and deploy armies of ‘bots’ to create artificial ‘plays’ of those tracks to generate income.
Because streaming services pay rightsholders from a finite pool of revenue, income is being diverted from legitimate creators who attracted users, subscriptions, and advertising to these platforms in the first place.
This is theft, plain and simple.
And with the rise of generative artificial intelligence (AI), the practice has been industrialized, enabling the mass creation of artificial content and artificial listening, and making large-scale fraud cheaper and faster to perpetrate – and harder for systems to detect.
So how can it be fixed?
It requires a toolbox with varied but proactive and evolving approaches, along with robust enforcement that addresses both the artificial content that is used for fraud and the fake listening.
IFPI, representing the recorded music industry worldwide, has taken legal action against many organizations behind these manipulation services.
We’ve disrupted and shut down illegal sites in Germany, France, Brazil and Canada, and we work with governments and law enforcement to help investigate and prosecute these crimes.
But to stop fraud at scale, the organizations with the data, scale and leverage to prevent this fraudulent activity, including streaming services, content aggregators and distributors, must act together.
So, what needs to be done?
- Implement Robust Identity Verification: Distributors need to know who is providing content to their services and digital service providers (DSPs) need to verify that accounts are used by real humans who are genuinely engaging with music and not ‘bots’. These kinds of requirements are used in a variety of industries, such as banking, and involve verifying the identity of clients, including a determination of the level of risk that they could engage in unlawful activity.
- Vigorously Vet the Content: Distributors must put in place measures to verify not only the identity of their clients, but the legitimacy of their content before it goes live. The authenticity of both the customer and the content should be regularly reviewed.
- Leverage Ecosystem Data: DSPs have the advantage of seeing across the entire ecosystem and they must leverage this bird’s-eye view. This means using first-class measures to be more effective in detecting, shutting down and mitigating the impact of fake plays and suspicious playlists.
- Cross-Industry Intelligence Sharing: When a bad actor is identified by one platform or service, they shouldn’t be able to simply move their “business” to another. Information in respect of known bad actors and their methods should be shared to prevent them from evading enforcement and repeating their behaviour. That means regularly updating measures to capture new fraudulent activity and actors based on shared learnings.
These actions amount to something simple and essential: streaming services and distributors working together to identify, disrupt, and shut out fraudsters who abuse the system.
This is essential as generative AI continues to grow and develop.
Record labels are working to meet these standards. And, if we collectively use existing tools to share intelligence and apply best practices, we can make streaming fraud genuinely difficult and expensive to pursue.
But it will happen only if the entire music community comes together and commits to meaningful, sustained action. Music Business Worldwide
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