Home Blog

Crypto Trading Basics – தமிழில்



Join Trading Mastercalss with Ai Mentorship –
Learn from Basics to Advanced தமிழ் Trading Course →

Open Free Trading Account –
Automated tool:

Crypto Trading APP Link 👇🏻

Crypto Automated Tool: AI TOOL –

Get my 📱 Ad-free trading education App – 200+ trading videos, zero ads, structured learning path
🍎 iOS:
🤖 Android:

⚠️ Disclaimer:
This video is for educational and informational purposes only. All trading involves significant risk. The income and backtest results shown are for illustration and do not guarantee future performance. Consult a licensed financial advisor before making any trading decisions.

Whatsapp Channel –

Telegram Channel –

Email
tradewithkiru@gmail.com

source

Record-Low 31% Of Americans Say College Is “Very Important,” Gallup Finds


Just 31% of U.S. adults now say a college education is “very important,” according to a new Gallup poll. That is four points below last year’s 35% reading, the previous record low, and less than half the 70% who said the same in 2013.

The result now sits slightly below Gallup’s 1978 starting point of 36%, adding to the long-running debate over whether college is still worth the investment.

Skepticism on the value of college has also grown just as fast. The share calling college “not too important” climbed from 6% in 2013 to 29% today, while “fairly important” rose from 23% to 39%. In 2013, a 64-point gap separated the “very important” and “not too important” camps, and that gap has shrunk to two points, a sharp reversal for families weighing what a college degree actually returns.

A chart from Gallup highlighting the importance of college education to Americans from 1970 through 2026.

Would you like to save this?

We’ll email this article to you, so you can come back to it later!

Why It Matters

The price of college appears to be driving much of the shift. Gallup pointed to a recent Lumina Foundation-Gallup survey in which only 12% of U.S. adults called a four-year college education affordable. That view aligns with the rising average cost of college and a national student loan balance that has reached $1.86 trillion.

The drop is not confined to one group. Comparing combined June 2019 polls with combined August 2025 and 2026 polls, Gallup found double-digit declines among women, middle-aged and older adults, Democrats, Black and Hispanic adults, and college graduates, all groups where a majority called college very important in 2019.

For parents trying to navigate the cost of college before a child enrolls, the doubt on value now reaches nearly every household type.

The Disconnect With People Closest To College

The Gallup poll did flag a gap between public opinion and personal experience. The Lumina Foundation-Gallup State of Higher Education Study found that 73% of adults without a degree or credential say earning a two-year or four-year degree is at least as important as it was 20 years ago, along with 69% of college graduates.

Most parents also say they would prefer their child pursue a two- or four-year degree right after high school, which suggests Americans question college in the abstract while still planning on it for their own kids, a split that shows up in the case for and against a degree as a good investment.

How This Connects

The importance numbers line up with Gallup’s July reading on trust, when confidence in higher education fell to 38%, down from 57% in 2015.

They also land as federal policy pushes more options outside the four-year track, including new Workforce Pell Grants for short-term job training programs and federal student loan changes rolling out from 2026 through 2028.

What’s Next

The open question is whether attitudes turn into behavior. Watch fall 2026 enrollment counts, FAFSA filing volume for the 2027-28 school year, and early uptake of Workforce Pell, especially as borrowers adjust to what’s changing for student loans in 2026.

Editor: Colin Graves

The post Record-Low 31% Of Americans Say College Is “Very Important,” Gallup Finds appeared first on The College Investor.

Could mortgage rates hit 9%? One economist lays out the scenario


The 30-year fixed mortgage rate reached 7.5% as Hepp spoke, a level that reflects the sustained pressure long-term Treasury yields have placed on home lending costs throughout this rate cycle.

That pressure stems from structural forces that Fed policy cannot easily reverse: expanding fiscal deficits, rising term premiums, shifting global capital flows, and evolving investor appetite for US debt.

As those dynamics have taken hold, bond yields have pushed mortgage rates higher in ways that have surprised many in the industry, reinforcing Hepp’s point about where brokers and their clients need to focus their attention.

What it would actually take to reach 9%

Hepp addressed the headline scenario — 9% mortgage rates — but was direct about what it would require.

“It’s possible that mortgage rates go up to 9%, but it’s really not our base case scenario,” she said. “It’s more of a severe scenario in which Treasuries go up to 6% or 7% and that would be really triggered by several major disruptions.”

FlyDubai co-pilot used cockpit’s crash axe to try seizing control of flight and was barred by Oman



The co-pilot accused of attacking the captain of an Israel-bound flight with an axe and trying to seize the controls was an Omani national who had been barred from flying on his country’s airline because of concerns about extremist views, officials said Saturday.

The co-pilot has been identified as Hamam al-Hammami, according to three people with knowledge of the situation, including a Gulf and a Western diplomat, who spoke on condition of anonymity because they were not authorized to speak to the media.

The United Arab Emirates, which is leading the investigation, said the co-pilot attacked with the cockpit’s crash axe and tried to take control of the plummeting plane in a “terrorist attack” Wednesday. His actions nearly crashed the flight with 182 people on board before passengers and others rushed in and subdued him.

The new details raised questions about how thoroughly FlyDubai vets potential employees, and how the co-pilot’s presence on a flight filled with Israeli passengers got past Israel’s strict security protocols.

Israel has said it has agreements with foreign carriers to keep pilots of nations without diplomatic ties from flying there. Israel and Oman don’t have formal diplomatic relations. The UAE government has earned a reputation for effective measures against extremist activities but has bristled in the past over criticism of security lapses.

The incident occurred at a sensitive time for Israel, a week before the anniversary of the Hamas-led attack on Oct. 7, 2023, that sparked the war in Gaza. It also came weeks before a highly contentious election in which security, and Oct. 7 security failures, have been central issues.

FlyDubai hired the co-pilot after Oman Air barred him

Separately, a regional official and a person familiar with the matter said the co-pilot had been barred from flying by Oman over concerns that he had adopted extremist views. The official said he was moved to an administrative job at Oman Air. Both spoke on condition of anonymity to discuss the ongoing investigation. They gave no details about the alleged extremist views.

The co-pilot was later hired by UAE-based airline FlyDubai, the person said. It wasn’t immediately clear to what extent the co-pilot was vetted. The Gulf diplomat said he had undergone standard security checks before being hired, but it appears that the checks focused on whether he had been convicted of criminal charges and didn’t go deeper into examining his background for potential signs of radicalization.

The regional official also said security agencies from four regional countries were working to establish the co-pilot’s motives, aided by the United States and other Western governments. The Gulf diplomat said investigations were trying to establish whether the co-pilot acted alone or “has any connection with any extremist groups.”

The regional official said the co-pilot was born in the UAE and his mother is Syrian. He obtained Omani nationality from his father, also an Omani national. The regional official also said the co-pilot had traveled to Syria, with no details.

Israeli Prime Minister Benjamin Netanyahu on Friday said the co-pilot had undergone “Islamist radicalization,” but provided no evidence. There was no immediate comment Saturday from Israel’s government.

A social media account was deleted the day of the flight

A FlyDubai spokesperson said in an email that the airline could not comment beyond its official statements and acknowledged “there are many questions at this stage.” There was no immediate comment from Oman Air, and Oman’s government has said nothing publicly in response to repeated questions since the incident.

In a statement to The Associated Press, Royal Air Maroc, Morocco’s national carrier, said the co-pilot “completed a three-month theoretical training period with the airline in 2025, as part of the pre-employment process. At the end of this training period, his application was not selected for employment.” There were no details.

Keith Coles, a spokesperson for Buckinghamshire New University in England, told the AP that al-Hammami previously completed a distance-learning course in aviation management there but “did not undertake any pilot training.” There were no details on the timing.

Little else was immediately known about the co-pilot’s background. His Instagram account was active until the day of the flight and then deleted.

Captain and passengers have described drama on board

Airlines are generally required to carry crash axes in the cockpit that could be used in an emergency to break open a window to escape or break open a panel to access a fire.

The captain, who was badly wounded, has said he used his remaining energy while being attacked to unlock the cockpit door, allowing people who had noticed alarming sounds to come in, tackle the co-pilot and stabilize the flight while passengers screamed.

The plane made an emergency landing in Saudi Arabia after a descent so extreme that part of the rudder was torn away, and aviation experts have marveled that it didn’t crash. FlyDubai has said crew traveling on the plane helped to stabilize it and land. They haven’t been publicly identified.

Both the captain and co-pilot were later taken to the UAE. The passengers, most of them Israeli, flew home later Wednesday on a separate plane, to cheers.

Bank of America Air France/KLM FlyingBlue Card 70,000 Signup Bonus + 100 XP (Plus, Enhanced Benefits)


Update 10/2/26: Available again, but not nearly as good as the recent 100k + 100 XP deal.

Update 7/22/26: Available again, also the 60k + $100 + 100 XP offer available via dummy booking as well. Hat tip to reader Nate. 

The Offer

Direct link to offer | another link

  • Bank of America is offering a sign up bonus on the AirFrance/KLM FlyingBlue credit card of 70,000 miles after $3,000 in spend within the first 90 days from account opening.
  • You’ll also get a bonus of 40 XP after meeting the minimum spend. That’s on top of the standard 60 XP awarded upon approval. Total 100 XP.

They’ve also enhanced a few things about the card, generally. See Card Details, below. 

 

Card Details

  • Annual fee of $89
  • Card earns at the following rates:
    • 3x miles per $1 spent on AirFrance/KLM and Skyteam members
    • NEW: 3x miles per $1 spent on Dining
    • 1.5x miles per $1 spent on all other purchases
  • 60 XP (Experience Points) upon approval
  • 5,000 anniversary bonus miles when you spend at least $50 in your previous card member year
  • Annual bonuses:
    • 20 XP (Experience Points) on card anniversary
    • NEW: an additional 80 XP if you spend $15,000 or more in your previous card member year
    • NEW: Earn an additional 60 XP (totaling 160 XP) on the account anniversary after you spend $25,000 or more on purchases within the anniversary year.
  • No foreign transaction fees
  • Visa Signature benefits

Our Verdict

We saw the same 70k + 100 XP bonus last year. Some people are getting a dummy booking offer of 60k + 100 + $100, so you’ll have to decide which you prefer.

Note also the card is now Visa Signature, they added 3x Dining, and they added/changed the annual XP bonuses for spend. 

If you want to apply for this card I’d recommend reading our post with all the things you should know about Bank of America credit cards first. We’ll add this to our List of Best Current Credit Card Signup Bonuses.

Hat tip to readers Jon and Fifthman

 

Energy Transfer’s 2020 Dividend Cut Still Haunts Some Investors. Here’s Whether That Risk Is Still Real.


“Once bitten, twice shy” is a common idiom that refers to a person who was hurt or disappointed once being much more cautious or hesitant to try something again (it’s the title of a song originally released in 1975 that gained some commercial success when it was covered in 1989).

“Once bitten, twice shy” is also an idiom common to dividend investors, who, after enduring one dividend cut from a company, are reluctant to allocate their hard-earned capital to those shares again.

So it’s understandable that Energy Transfer‘s (ET +1.84%) 2020 payout cut, one largely brought on by the need to conserve capital during the coronavirus pandemic, still weighs on some equity income investors.

Following a 2020 cut, Energy Transfer’s dividend is again growing and safe. Image source: Getty Images.

Investors should remember that with any dividend stock, there’s no such thing as a 100% guarantee against possible cuts. Several now-former Dividend Kings, or firms with dividend-increase streaks of at least 50 years, have been permanently shunned for paring payouts. For investors considering Energy Transfer, the good news is that a 2020 repeat isn’t imminent and appears unlikely in the long term.

Mending dividend fences

Following the October 2020 payout reduction, Energy Transfer’s annualized dividend slumped to $0.61 a share, or half the prior distribution. Fortunately, that didn’t last long. By the fourth quarter of 2021, the midstream company’s annualized dividend had risen to $0.70 per share, marking the beginning of a renewed commitment to payout growth.

Sporting a yield of 6.8%, Energy Transfer now has a streak of dividend increases spanning 19 quarters, or almost five years. No, that doesn’t erase a prior distribution cut, but that run goes a long way toward restoring investors’ confidence that this pipeline operator is committed to payout growth and safety.

Energy Transfer Stock Quote

Today’s Change

(1.84%) $0.37

Current Price

$20.47

Speaking of safety, the data confirm it’s a long shot that Energy Transfer will be a dividend offender again anytime soon. At the end of the second quarter, the energy company had a distributable cash flow (DCF) coverage ratio of 2.2, implying the dividend isn’t a burden. DCF is an important metric because it measures pipeline companies’ cash generation relative to how much of that cash is paid out as dividends.

Investors who are experienced with master limited partnerships (MLPs) such as Energy Transfer know that, at a minimum, coverage ratios below 1 are potential warning signs. In contrast, ratios above one are the place to be. Energy Transfer more than doubles the preferred coverage ratio.

Debt trending the right way

One of the hallmarks of companies that deliver dividend dismay is high debt. Midstream is a capital-intensive industry, so it’s not uncommon for operators to carry liabilities that appear significant. To that end, what matters are the debt ratios.

Specific to Energy Transfer, its desired net debt to earnings before interest, taxes, depreciation, and amortization (EBITDA) is 4x to 4.5x and stood at 4.4x at the end of last year. It could decline into the high 3s this year before stabilizing in the mid-3s. In plain English, the company’s debt ratio is heading in the right direction.

That’s vital information for investors because not only does Energy Transfer’s debt-reduction progress free up cash to grow the business or pursue deals, but it’s also potentially supportive of better credit ratings and long-term payout growth.

BUSINESS ADMINISTRATION I CLASS 12 I Concept of Management (UNIT2)



BUSINESS ADMINISTRATION I #businessadministration #class12
Nature of Management can be identified through study of management as Science, Art or Profession.
Management as Science
Management as an Art
Management as profession
Concepts and thoughts of management – Classical Approach, Neo Classical Approach, Contemporary Approach.
Classical Approach can be categorized into Scientific Management, Bureaucratic Theory, Administrative Theory
Scientific Management – It means knowing exactly what you want them to do and seeing that they do it in the best & cheapest way according to F.W. Taylor.
Administrative Theory – It constituted of 14 principles which were propounded by Henri Fayol.
Neo Classical Approach – This approach emphasized on human and social aspect of the worker instead of production.

source

Conversations with Frank Fabozzi, Featuring Andrew Chin


12:00 PM ET | 4:00 PM BST

How can investment organizations harness AI to improve decision-making while preserving accountability, governance, and human judgment?

In this episode of Conversations with Frank Fabozzi, CFA, Andrew Chin discusses how AI is reshaping asset management at the institutional level. Drawing on his experience as Chief Artificial Intelligence Officer and former Chief Risk Officer at AllianceBernstein, he explains why successful AI adoption requires more than new tools — it demands a firm-wide strategy, strong governance, and a clear understanding of how human expertise and machine intelligence should work together.



Join this upcoming conversation with Frank Fabozzi, CFA
Register Now!

Key discussion points

  • AI as institutional infrastructure: Why enterprise-wide platforms create more value than isolated use cases.
  • Governance as an enabler of innovation: How risk management principles can accelerate responsible AI adoption.
  • Human judgment and machine intelligence: Defining accountability and decision ownership in AI-assisted investing.
  • Avoiding convergence and automation bias: The risks of relying on the same models, data, and assumptions.
  • The evolving role of portfolio managers: Moving from information gathering to intelligence curation, synthesis, and oversight.
  • AI, uncertainty, and investment resilience: Using AI to frame scenarios, stress test portfolios, and improve decision-making under uncertainty.

Beyond the gas pump: How much oil do we really consume?




Beyond the gas pump: How much oil do we really consume?

Least Desirable Path to Lower Mortgage Rates the Only One Working Right Now


There are several ways to get lower mortgage rates.

You can get inflation down, which is a positive for bonds and thus mortgage-backed securities.

Or you can get a slowing in the economy, driven by fewer job opening, higher unemployment, etc.

Sadly, that latter path seems to be the one that’s “working” at the moment, not the former.

After all, lower mortgage rates don’t do much good if fewer people have jobs.

Weak Jobs Report Provides Some Relief for Mortgage Rates

The monthly jobs report came out this morning and it was a lot weaker than expected.

Only 29,000 jobs were created in the month of September, well below the 84,000 forecast.

And the unemployment rate climbed to 4.2%, up from 4.1% a month earlier, also above consensus.

That initially led to a little drop in bond yields, which have been on a tear higher for the past month.

But it was short-lived, eventually turning the other way despite the poor numbers.

Still, mortgage rates might print flat to slightly lower today because of it.

Bond yields (and mortgage rates) had a good day yesterday, perhaps front running the jobs report.

There was a mystery drop in bond yields Thursday around 1pm EST after the bellwether 10-year yield crested at 5.34%.

So maybe just maybe the weak jobs report today didn’t have as much gusto as it otherwise would have.

As it stands now, we’re still nearly 10 bps lower than those high levels yesterday, and 30-year fixed mortgage rates are also off their recent highs.

Pressure on Mortgage Rates Is Coming From All Other Angles

Even if the labor data continues to come in weak (this report is but one report), there is upward pressure just about everywhere else you look.

We’ve got out of control government spending, we’ve got lots of bond issuance to fund the war in the Middle East.

We have a second wave of inflation, driven by higher energy prices, diesel shortages, etc.

There’s also the massive AI build out taking place, which creates more bonds that crowds out investors who might otherwise buy Treasuries or MBS.

So even if we get cooler-than-expected jobs numbers, they might not help mortgage rates all that much.

Labor was the focus earlier this year when it seemed like inflation was old news.

But then the war broke out with Iran and inflation once again became the more important issue.

This means not only is the jobs report a bad way to accomplish the goal of lower mortgage rates (since it’s otherwise bad for the housing market).

It’s also just not that effective at the moment. It’s no longer the chief concern for the Fed or the bond market.

[Compare mortgage rates and monthly payments side by side with my mortgage rate calculator.]

Labor Is No Longer the Top Driver of Mortgage Rates (It’s Inflation Again!)

If things got really ugly again on the jobs front, sure, it could take center stage again.

But the limited downside movement after such a poor jobs report tells you it’s all the other things mentioned that matter.

In other words, if you want mortgage rates to go down, you want to root for an end to the war, which would lead to less government spending, lower deficits, and falling energy prices.

Those are all positive things that could bring mortgage rates down without hurting the housing market at the same time.

It’d also be a sustainable path for the housing market, where employment remains healthy but interest rates are no longer cost-prohibitive.

Read on: How are mortgage rates determined?

Colin Robertson
Latest posts by Colin Robertson (see all)