As Canadian banks get set to report second-quarter results next week, analysts expect year-over-year gains despite a “challenging” operating environment and slowing loan growth.
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Executives are optimistic about AI’s potential to transform manufacturing. Workers, on the other hand, are more skeptical. In a seven-week internal unpublished study of video diaries from 85 frontline workers across six industries in Australia, the UK and the United States, we asked workers to describe how emerging technologies, including AI, are being introduced into their jobs, what training they receive, and how they see their future. Across industries, distrust ran deep, of both the tools and the organizations deploying them. More than three-quarters of participants said they were dissatisfied with their training. Many were uncertain about how their roles would change or whether they would have a place in the future factory.
| Name | Cameron Philgreen |
| Location | Waco, Texas |
| Occupation | Full-time real estate investor & coffee shop owner |
| Assets | 25 properties, 35 units |
| Investment strategy | BRRRR, long-term rentals, flips, commercial |
| Financing | Private Money Lender |
In 2018, Cameron and his wife bought their first property in Lawrence, Kansas, a three-bedroom house they would Airbnb room by room to cover the mortgage. Cameron worked as a wedding photographer.
Fast-forward to today: Cameron now owns 25 properties totaling 35 units, a specialty coffee shop, and has a 50,000-square-foot commercial redevelopment underway in Waco, Texas. Here’s how he built his sprawling portfolio.
How did you finance your early deals with no outside capital?
The BRRRR method was everything. My target is 70 to 75 cents on the dollar. If I hit that, I could refinance, pull all my cash out, and do it again.
Our first true investment property was bought for $95K. We put in $80K, so the after-repair value (ARV) came in around $200K. We left some money in that one, but five years later, it appraised at $270K, and we were able to pull cash out. After that, I began building relationships with hard money lenders, and capital stopped being a constraint.
How do you consistently find deals to scale?
The cheat code is a Redfin filter. Filter for a price per square foot under $100 and days on market over 45. It emails you automatically whenever something fits. Sellers sitting that long are motivated.
I still have to make about 10 offers to land one, but between that filter, wholesalers, and Facebook groups, the deals are out there if you’re willing to make offers.
What’s the mindset that carried you through a decade of building?
Get clear on your “why.” We shared bathrooms with strangers. We gutted a house ourselves for six days a week, three months straight. None of it was comfortable. But real estate doesn’t have to be your passion.
The whole point is to use it to fund your passions. Ours funded a coffee shop. Ultimately, you should figure out what you’d do if your time were yours, then go buy the property that gets you there.
You can continue following Cameron’s real estate journey on his YouTube channel.
Stephen Colbert chatted with Paul McCartney and joined him on stage for a raucous performance of “Hello, Goodbye” on the final broadcast of CBS’ “The Late Show” on Thursday night, a bittersweet farewell for a canceled show that still had a few barbs left for the network that ended its 33-year run.
At the top of his last show, which grew more surreal and absurd as it went on, Colbert highlighted the “joy” that he and his team felt creating more than 1,800 episodes of “The Late Show.”
“The energy that you’ve given us, we sincerely need that to have done the best possible show we could have for you for the last 11 years,” Colbert said. “You’ve given it to us. We’ve given it all right back to you.”
Colbert pretended that Pope Leo XIV, the first U.S.-born pope, was his final guest, but the pontiff refused to come out of his dressing room because he hadn’t been supplied the correct kind of snacks, especially hot dogs.
McCartney then offered himself as a replacement, striding across the stage as the audience screamed. “I think you’d be a perfect last guest,” Colbert said.
McCartney said he happened to be in the area, doing errands. He offered a framed photo of the Beatles at the Ed Sullivan Theater, the final home for “The Late Show.” The two chatted about when the Beatles first came to America in 1964, creativity, his new album and McCartney’s childhood.
Colbert’s monologue was interrupted by Bryan Cranston, Paul Rudd and Tim Meadows, who all pretended to be irked that they weren’t the host’s final guest. “You know what? You got what you deserved,” Meadows fumed. Other celebrities in the audience who had funny turns during Colbert’s last “Meanwhile” segment were Tig Notaro and Ryan Reynolds.
Later, Colbert joined Elvis Costello, former bandleader Jon Batiste and current bandleader Louis Cato for a relaxed performance of Costello’s “Jump Up.” They all joined the house band and McCartney for the final song of the night, a performance of “Hello, Goodbye.”
Staffers and audience members — including Colbert’s wife, Evie McGee Colbert — then swarmed the stage as Colbert gave the honor to McCartney to turn off the building’s power. The theater then gets sucked into a vortex and turns into a snow globe.
Guests in the final week included Michael Keaton, Jon Stewart, Julia Louis-Dreyfus, Steven Spielberg, David Byrne and Bruce Springsteen, while there’s been a wacky version of “It’s Raining Men” remade into “It’s Raining Fish.”
On Wednesday night, Colbert was on the other end of his “The Colbert Questionnaire,” asked things like which sandwich is best and whether apples are better than oranges. Mark Hamill, Martha Stewart, Ben Stiller and Robert De Niro were some of the questioners.
David Letterman, the show’s host when it debuted in 1993, joined Colbert on the roof of the theater to hurl furniture from the set — a nod to one of Letterman’s classic stunts.
CBS announced last summer that Colbert’s show would end, citing economic reasons after 11 seasons. But Colbert was the ratings leader in late-night TV. Many — including Colbert — expressed skepticism that President Donald Trump’s repeated criticism of the show wasn’t a factor. Trump’s name on Thursday never came up.
The decision to shutter the show came after parent company Paramount’s $16 million settlement of Trump’s lawsuit over a “60 Minutes” interview as Paramount awaited his administration’s approval of a pending sale to Skydance Media. Colbert had called it a “big fat bribe.” On Thursday, he showed a clip of a sympathetic dolphin clicking with the subtitle: “It was a financial decision.”
During the “Meanwhile” segment, Colbert mentioned that the owner of some music used in the “Peanuts” animated specials had grown litigious. Just then, the band started playing “Peanuts” music. “Oh, no, I hope this doesn’t cost CBS any money,” the host said.
The final show seemed to be marred by technical snafus, with stray sounds and glitches. Later Colbert encountered the reason in a pretaped bit — an interdimensional wormhole that astrophysicist Neil deGrasse Tyson helpfully explained was opened because a top rated show could also been canceled.
Jon Stewart also made an appearance, explaining the wormhole was a metaphor, and Colbert reunited with his fellow late night hosts Jimmy Kimmel, Jimmy Fallon, John Oliver and Seth Meyers. Elijah Woods was present for a “The Lord of the Rings” joke.
Colbert’s chief rivals, ABC’s “Jimmy Kimmel Live!” and NBC’s “The Tonight Show with Jimmy Fallon,” both ran reruns on Thursday. Kimmel urged viewers to tune into Colbert’s goodbye and then stop watching CBS.
CBS will fill “The Late Show” slot with “Comics Unleashed,” in which comedians share stories. Host Byron Allen has vowed to avoid politics.
Colbert’s goodbye — running some 17 minutes over — was ambitious in a way that other TV late night finales were not. Johnny Carson wrapped up his stint on “The Tonight Show” in 1992 without any celebrity guests, just offering classic clips. Jay Leno had Billy Crystal and Garth Brooks aboard his final goodbye in 2014. Celebrities like Steve Martin, Chris Rock and Tina Fey participated in David Letterman’s last Top 10 list for a 2015 finale that also included Foo Fighters playing “Everlong.”
Colbert’s 11 seasons bridged the rise of Trump and his return to the White House, the pandemic, the fall of Joe Biden, the Russian invasion of Ukraine, the United States Capitol under attack in 2021 and the rise of Artificial Intelligence.
“At a time when algorithms are shaping so much of what people see, hear and even believe, Stephen has been a touchstone shared by millions,” former Transportation Secretary Pete Buttigieg said in a video tribute. “His satiric voice, backed by what is clearly a deep moral core and a love of this country, has had a way of cutting through the noise and helping show us who we are as a country.”
This article contains Amazon affiliate links.
Amazon and American Express are once again offering targeted discounts when using Membership Rewards points at checkout. These promotions can save eligible users anywhere from 10% to 50% on Amazon purchases, simply by redeeming a small amount of Amex points during checkout.
The latest round of offers is valid through June 30, 2026, though the exact discount and redemption requirement varies by account. It’s worth noting that you now need to use at least $5 or $10 worth of points to get the discount. Let’s go over the details.
To use the offer, you need to:
Some users are now seeing a minimum redemption requirement of either:
PROMO PAGE
The exact discount varies by account, but common offers include:
These Amazon Amex Membership Rewards Discount offers can still provide solid value, especially for purchases you were already planning to make. Even though Membership Rewards points are generally more valuable when transferred to airline and hotel partners, redeeming a small amount of points can easily be worth it if you’re saving $40, $50, or even more on an Amazon order.
The key is to redeem only the minimum number of points required in order to trigger the discount. But if your offers requires using 1,429 Membership Rewards points, you will probably want to skip the smaller discounts.
PROMO PAGE
This Amazon Amex Membership Rewards Discount remains one of the easiest targeted offers to use. While some users are now seeing slightly higher point redemption requirements, the deals can still provide excellent savings depending on your targeted offer.
If you haven’t checked your Amazon account recently, it’s definitely worth taking a look before the promotion expires. Just make sure you activate the promotion first and use only the minimum number of Membership Rewards points that is required to get the discount.
HT: DoC
Disclaimer: As an Amazon Associate I earn from qualifying purchases made through this article. Using links on the site for Amazon purchases is the best way you can support the site as you normally can’t earn cash back for these purchases. But, you should still check shopping portals such as Rakuten, TopCashback, RebatesMe, ShopBack and others for possible cashback. Your support is always greatly appreciated!
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(Bloomberg) — Bond traders are fully pricing in an interest-rate hike by the Federal Reserve this year, a sign of conviction in the market that Chair Kevin Warsh will need to move quickly to combat inflation.
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Traders boosted their bets for higher rates on Friday after Fed Governor Christopher Waller — among the most dovish policymakers over the past year — said that based on the inflation trend, the central bank’s next policy statement should “make it clear that a rate cut is no more likely in the future than a rate increase.”
Interest-rate swaps repriced to levels anticipating that the Fed’s target range for its benchmark rate — 3.50%-3.75% since December — will be at least 25 basis points higher by the end of 2026, the first time such an outcome has been fully priced.
Waller’s comments halted a Treasury market rally, lifting the two-year note’s yield as much as six basis points to 4.14%, the highest level since February 2025. The US dollar rose.
“Waller’s latest remarks confirm the hawkish shift at the Fed,” Evercore ISI head of economics and central bank strategy Krishna Guha said in a note. “His discussion of inflation was across the board hawkish.”
The shift gathered pace at the most recent policy meeting in April, when three voters on the Federal Open Market Committee voted against the statement announcing the decision to hold rates steady because it also signaled that that the next move still could be a rate cut.
The dissenters favored a statement that didn’t mention the possibility of a cut. That was the course that Waller — who dissented from two Fed decisions to hold rates steady in the past year in favor of cutting them — backed in his speech.
Short-term interest rate markets fully pricing in a Fed rate increase is a complete turnaround from earlier this year, when President Donald Trump’s selection of Warsh — who was sworn in as the 17th Fed chair in a White House ceremony Friday — inspired Wall Street to bet on at least two quarter-point rate cuts in 2026. Traders began re-calibrating those wagers after the US and Israel attacked Iran in late February.
The resulting effective closure of the Strait of Hormuz disrupted Middle East oil exports, causing gasoline prices to surge. That has led to higher actual and expected inflation rates which, feeding through to other parts of the economy, could force a response from central banks. Sharp increases in energy and food prices in April drove a 3.8% year-on-year increase in the US consumer price index, the biggest since 2023.
Inflation Expectations
In the months leading up to his nomination, Warsh had criticized the Fed for not lowering rates enough and pointed to longer-term dynamics in the economy — namely an expected boom in productivity growth connected to artificial intelligence — that might justify cuts.
But he hasn’t aired his policy views in many weeks. During his confirmation hearing on April 21, lawmakers failed to press him for his near-term views on interest rates. While Trump at the swearing-in ceremony said Warsh should act independently, repeating a comment made earlier this week, as recently as last month he said he’d be disappointed if Warsh didn’t lower rates immediately upon taking the job.
The Fed’s next scheduled monetary policy announcement is on June 17, when policymakers are expected to hold rates steady. Minutes of the Fed’s April meeting released this week showed a majority of officials said the central bank would likely need to consider raising rates if inflation continued to run persistently above their 2% target.
What Bloomberg Strategists Say …
“As a leading proponent of rate reductions in the past, the fact that Waller is further distancing himself from cuts will be taken as a signal the central bank is giving up its dovish bias amid deepening concern about inflation.”
—Tatiana Darie, Macro Strategist Markets Live
Concurrently with Waller’s comments, a consumer sentiment survey by the University of Michigan showed that inflation expectations mounted in May. While they remain short of their 2025 highs, respondents’ expectations for inflation over the coming year and over the next five to 10 years increased more than anticipated, to 4.8% and 3.9% respectively.
Gains Erased
Treasury yields were near session lows just before Waller spoke, with the five- to 30-year tenors the lowest in a week. Signs that Iran and the US are close to a peace agreement provided a catalyst for investors to lock in yields near multiyear highs.
The US 30-year rate rose to 5.20% this week for the first time since 2007. It retreated to 5.06% Friday. UK, German and Japanese 30-year yields also reached multiyear highs.
While previous indications that a lasting agreement was imminent haven’t panned out, the potential for developments over the US three-day holiday weekend was a factor. US bond trading had an early close at 2 p.m. New York time, and Treasury futures contracts settled at 1 p.m., two hours earlier than normal.
“While the two sides appear to be a meaningful distance apart in their respective demands, the fact that there is an ongoing dialogue offers some solace,” said Ian Lyngen, head of US interest-rate strategy at BMO Capital Markets in New York. “There is significant event risk in the Middle East as we head into the long weekend.”
–With assistance from Edward Bolingbroke and Michael MacKenzie.
(Adds context in sixth and seventh paragraphs and updates yield levels.)
More stories like this are available on bloomberg.com
The U.S. Department of Education has started emailing borrowers enrolled in the Saving on a Valuable Education (SAVE) Plan a second round of reminders (which we’re dubbing as “courtesy” notices) ahead of the formal transition emails set to start July 1, 2026.
Why it matters: Around 7 million borrowers are still sitting in SAVE forbearance after a federal court order killed the plan. Once a borrower’s servicer sends the official notice, a 90-day clock starts to pick a new repayment plan or the servicer will move the borrower into one automatically (likely the Standard Plan). Borrowers who still don’t resume payments will being the path towards default.
Here’s what the notice said to borrowers:
Our records show that you’re enrolled in the Saving on a Valuable Education (SAVE) Plan. As a reminder, a court order ended the SAVE Plan. You must select a new repayment plan, or your student loan servicer will move you into a different repayment plan.
In the coming months, your loan servicer will contact you about your specific deadline to choose a different repayment plan. Once you hear from your loan servicer, you’ll have 90 days to choose another repayment plan. This gives you time to select the plan that works best for you.
Our newest repayment plans—the Repayment Assistance Plan (RAP) and Tiered Standard Plan—will be available starting on July 1, 2026. Visit StudentAid.gov/bigupdates to learn more about these new repayment plans and other changes to the federal student aid programs.
If you don’t want to wait until July 1, 2026, you can choose a different repayment plan that fits your needs and goals now. Since our first email about the SAVE Plan ending, hundreds of thousands of borrowers have applied for a different plan.
If you are not enrolled in the SAVE Plan, did not submit an application for the SAVE Plan, already applied for a new repayment plan, or no longer have a balance on your federal student loans, you do not need to take any action.
Between the lines: It appears that the Department of Education is positioning this round of outreach as a soft warning before the formal 90-day countdown begins in July. Borrowers who wait until their servicer’s official notice arrives will have less time to compare options like IBR, RAP, and the new Tiered Standard Plan. Some borrowers may be blocked from plan like PAYE if they wait.
What to watch: July 1, 2026 is a big date: it’s the start of the official transition notices going out, and also when the two new repayment plans become available. Deadlines will stagger across borrower cohorts through the rest of 2026, with most borrowers expected to be back in active repayment by the end of September 2026. Our sources at the loan servicers have said that while the notices will be staggered, it’s likely that timeline will be “compressed”.
How this connects: The College Investor has tracked the SAVE transition since the court order ended the program. Our prior reporting on the SAVE forbearance ending lays out the 7 million borrower population, and our coverage of the 90-day auto-enrollment risk explains why borrowers shouldn’t ignore the courtesy email.
For readers weighing new repayment plan options, RAP and IBR will be the two most likely options. Borrowers should use a Student Loan Calculator and compare their choices now.
Bottom line: The courtesy email isn’t a deadline but it’s the likely one of the last warnings before the official deadline starts. Borrowers who pick a new plan now will have more control than those who wait for the formal notice.
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Editor: Colin Graves
The post Education Department Sends SAVE Borrowers a “Courtesy” Warning Before July 1 Formal Notices Begin appeared first on The College Investor.
