Military And VA Education Benefits (Complete Guide)
Military And VA Education Benefits (Complete Guide)
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VA Education Benefits by State: Tuition Waivers for Veterans, Spouses, and Dependents
Key Points
- There are Federal and state education benefits available for veterans, spouses, and their families.
- Some state benefits stack on top of federal benefits, while others do not.
- Navigating federal and state Veterans Benefits can be confusing and difficult for families.
Between federal GI Bill programs and state-level tuition waivers, veterans and their dependents have access to education benefits that can dramatically reduce (or even eliminate) the cost of college. The key is knowing what exists, how to stack benefits, and where to apply.
This article covers the major federal education benefits available to veterans and their families, followed by a state-by-state breakdown of the most generous tuition waivers currently available across the country.
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Federal Veterans Education Benefits
Before looking at state programs, it helps to understand the federal benefits that serve as the foundation. Many state benefits can be used alongside federal programs for significant cost savings.
Chapter 33: Post-9/11 GI Bill
The Post-9/11 GI Bill is the most widely used federal education benefit. It provides up to 36 months of education benefits to veterans who served at least 90 days of aggregate active duty after September 10, 2001. Benefits include tuition and fees paid directly to the school (up to the in-state maximum at public institutions), a monthly housing allowance, and a books and supplies stipend.
Tip: The Veterans Choice Act may entitle you to in-state tuition rates even if you haven’t lived in the state where your school is located, as long as you are using Post-9/11 GI Bill benefits. Some schools extend these rates even after federal benefits are fully used. Check with individual schools for their policy.
Click here to apply for Chapter 33 benefits
Chapter 35: Survivors’ and Dependents’ Educational Assistance (DEA)
Chapter 35 is different from Chapter 33. It provides a monthly stipend to dependents and survivors of veterans who are permanently and totally disabled (100% rating) due to a service-connected condition, or who died while on active duty or as a result of a service-connected condition.
The current full-time rate is $1,574 per month (October 2025 through September 2026). Three-quarter time pays $1,243/month, and half-time pays $910/month.
This is where stacking gets powerful: Chapter 35 can be used alongside most state tuition waivers listed below. If your state waives tuition and you also receive the Chapter 35 monthly stipend, your out-of-pocket costs for college can drop to near zero.
Key details about Chapter 35:
- Monthly stipend paid directly to the student
- Check expiration dates for spouses and dependents
- Click here to apply for Chapter 35
- Obtain a Certificate of Eligibility and submit it to your School Certifying Official
- You must verify enrollment every month by text, email, online, or phone call
- Contact the VA Education Center with questions: 888-442-4551
- High schoolers may receive 5 extra months of benefits
Fry Scholarship
The Marine Gunnery Sergeant John David Fry Scholarship provides Post-9/11 GI Bill benefits to children and surviving spouses of service members who died in the line of duty after September 10, 2001. Benefits are similar to the Post-9/11 GI Bill, including tuition, fees, a housing allowance, and a books stipend.
Click here to apply for the Fry Scholarship
Prep Courses, Licensing, and Certification Tests
The GI Bill can also cover certain licensing and certification tests. Use the GI Bill Comparison Tool to search for approved tests. Select “Both” on the LAC Category Type dropdown to see the full list. Over 2,000 tests are covered, including:
- NCLEX (Nursing License)
- Barber, Cosmetology, and Esthetician exams
- Bar Exam Review Courses
- CISCO, CompTIA A+
- Teaching certifications (Virginia, California, Texas, and others)
How to Verify Your School Is Certified
To confirm a school or university is approved for VA education benefits, use the GI Bill Comparison Tool. Once results appear, click on your school’s name and scroll near the bottom of the page. The School Certifying Official (SCO) and their contact information will be listed there.
If you need help, contact your State Approving Agency (SAA). According to the VA, SAAs are generally responsible for approving education and training programs in their states. They serve as the pathway for a program’s recognition as eligible for VA education benefit payments. Schools seeking to offer VA-eligible training should start by contacting their SAA.
Important Tips Before Using Federal Benefits
- In-state tuition: You may be eligible for in-state rates through the Veterans Choice Act even if you haven’t lived in the state where the school is located, as long as you’re using federal benefits. Learn more about the Veterans Choice Act
- One federal benefit at a time: Only one federal benefit may be used at a time. Contact a Veterans Service Organization (VSO) for assistance choosing the right benefit for your situation.
- Disability compensation impact: A veteran’s disability compensation may decrease when a dependent uses certain federal benefits, specifically Chapter 35 benefits. Plan accordingly.
State Education Benefits
The following states offer generous tuition waivers, especially for dependents of veterans rated 90% or higher with permanent and total (P&T) disability. Most of these state benefits can be used alongside federal benefits, which is what makes them so powerful when paired with Chapter 35.
Hawaii and Mississippi have pending state legislation that may add similar benefits. Check with those states’ veteran services offices for updates.
|
State |
Program |
Eligibility |
Benefit |
|---|---|---|---|
|
Alabama |
G.I. Dependents’ Scholarship |
Dependents of veterans with service-connected disability (as low as 20%) |
Up to 5 academic years (10 semesters) of tuition at any Alabama state-supported college or technical college |
|
Arkansas |
Military Dependents Scholarship (MDS) |
Spouses/dependents of AR residents classified as MIA, KIA, or POW after Jan. 1, 1960 |
Waiver of in-state tuition, on-campus room and board, and mandatory fees at eligible AR institutions |
|
California |
College Tuition Fee Waiver for Veterans’ Dependents (CalVet Fee Waiver) |
Dependents of service-connected disabled or deceased veterans |
Waiver of mandatory system-wide tuition and fees at any CA Community College, CSU, or UC campus |
|
Florida |
Congressman C.W. Bill Young Tuition Waiver Program |
Dependents of veterans; also benefits for qualifying veterans directly |
Waiver of tuition at FL state colleges and universities |
|
Idaho |
Armed Forces & Public Safety Officer Dependent Scholarship |
Children/spouses of military members killed, disabled, or MIA/POW |
Waiver of tuition/fees plus up to $750/semester for books, plus on-campus housing and subsistence at state institutions |
|
Illinois |
Illinois Veterans’ Grant (IVG) & MIA/POW Scholarship |
IL veterans (IVG); dependents of IL veterans who are MIA/POW or disabled (MIA/POW Scholarship) |
IVG pays tuition and mandatory fees at all IL state-sponsored institutions. MIA/POW Scholarship covers tuition, fees, room, and board. Can be combined with federal VA benefits |
|
Indiana |
Child of Veteran & Purple Heart Recipient Program |
Children of disabled veterans or Purple Heart recipients who are IN residents |
Fee remission (tuition waiver) at IN state-supported colleges and universities for up to 124 credit hours |
|
Kansas |
Kansas Hero’s Scholarship |
Spouse, unremarried surviving spouse, and dependent children of service members KIA, MIA, POW, or with 80%+ service-connected disability |
Waiver of tuition and required fees for up to 10 semesters at KS public institutions |
|
Kentucky |
Kentucky Veterans Tuition Waiver Program |
Spouses and dependent children of qualifying veterans |
Tuition waiver at 2-year, 4-year, or vocational schools funded by the KY Dept. of Education |
|
Louisiana |
LA Dependent Education (Act 581) |
Dependents of veterans who died in service, died from service-connected disability, or rated 90%+ service-connected disabled |
Tuition waiver at any LA state-supported institution; also provides in-state tuition rates for qualifying veterans |
|
Maine |
Veterans Dependents Educational Benefits |
Dependents of veterans who are 100% permanently disabled or who died from service-connected causes |
Waiver of tuition, mandatory fees, and lab fees at ME state-supported colleges and vocational schools (does not cover housing, books, or meals) |
|
Nebraska |
Waiver of Tuition Program |
Surviving spouses and children of eligible veterans |
100% waiver of tuition and tuition-related fees at participating NE universities and community colleges. May be used for one community college degree and one bachelor’s degree |
|
New Hampshire |
Tuition Waiver for Children of Disabled NH Veterans |
Children (under age 27) of veterans rated 100% totally and permanently disabled; must be NH residents |
Tuition waiver at University System of NH institutions (UNH, Plymouth State, Keene State, Granite State). Must exhaust Ch. 33 and other federal aid first |
|
North Carolina |
Scholarship for Children of Wartime Veterans |
Children of wartime veterans who are NC residents |
Covers tuition, room and board, and fees at NC state-supported institutions for up to 8 semesters over 8 years |
|
North Dakota |
Dependent Tuition Waiver Program |
Dependents of veterans who were killed, died from service-connected causes, are MIA/POW, or are 100% disabled |
Free tuition and fees at any ND state-supported institution while earning a bachelor’s degree or certificate; must complete within 45 months or 10 semesters |
|
Oregon |
Veteran’s Dependent Tuition Waiver (ORS 350.285) |
Children (age 31 or younger), spouses, or unremarried surviving spouses of veterans who died or are 100% disabled from service; also children of Purple Heart recipients (2001+) |
Tuition waiver at OR public institutions for up to 4 years for a bachelor’s and up to 2 years for a master’s degree. May be reduced by other federal aid/grants |
|
South Carolina |
Free Tuition for Children of Wartime Veterans |
Children (age 26 or younger) of qualifying wartime veterans |
Tuition waiver at SC state-supported colleges, universities, or technical schools (does not cover books, fees, or living costs) |
|
Texas |
Hazlewood Act & Legacy Program |
TX veterans (Hazlewood); dependents via Legacy transfer of unused hours |
Up to 150 credit hours of tuition and required fee exemption at TX public institutions. Veterans can transfer unused hours to dependents under the Legacy program |
|
Virginia |
Virginia Military Survivors & Dependents Education Program (VMSDEP) |
Children (ages 16-29) and spouses of veterans rated 90%+ permanently disabled or who were KIA/MIA/POW; VA must be veteran’s home of record for 5+ years |
Waiver of all tuition and mandatory fees for up to 8 semesters at VA public colleges/universities and EVMS. May also include a stipend for room, board, books, and supplies |
|
Washington |
WA State Dependent Tuition Waiver |
Children (ages 17-26) and surviving spouses/domestic partners of veterans who died in service, are 100% disabled, or are MIA/POW; must be WA domiciliary |
Waiver of all undergraduate tuition and fees at WA state institutions for up to 200 quarter credits. Book stipend may be available if funded by legislature |
|
Wisconsin |
Wisconsin GI Bill |
WI veterans and their dependents (veteran must have been WI resident at time of entry to service and for 5+ consecutive years before enrollment) |
Full tuition and approved fees for up to 8 semesters or 128 credits at any UW System or WI Technical College System school |
How To Stack Federal And State Benefits
The real savings come from combining benefits. Here is a common scenario:
- A veteran is rated 100% P&T disabled by the VA.
- Their dependent child qualifies for a state tuition waiver (covering tuition and fees at a public university).
- The same child also qualifies for Chapter 35 DEA, providing $1,574/month to help cover housing, books, and living expenses.
- Result: The dependent may attend a state university with little to no out-of-pocket cost.
The combination of a state tuition waiver plus Chapter 35 is one of the most underused strategies in veteran education benefits. Not every family knows both programs exist or that they can be layered together.
Next Steps
Education benefits for veterans and their families are among the most generous programs available, but they only work if you know about them and apply. Take the time to research what your state offers and stack it with federal benefits for the best outcome.
Why This Matters: As college becomes more expensive, families need to make sure they are taking all available steps to reduce costs. For military veterans and their families, VA education benefits are a fantastic tool. But navigating these options, both federal and state programs, can be confusing.
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The post VA Education Benefits by State: Tuition Waivers for Veterans, Spouses, and Dependents appeared first on The College Investor.
FBI: Real estate cyberfraud rises with more AI, crypto scams
Losses from real estate cybercrimes soared last year as criminals utilized more artificial intelligence and cryptocurrency scams, the Federal Bureau of Investigation reported.
Processing Content
The industry’s cybercrime losses topped $275 million in 2025, a 59% increase from approximately
There were 12,368 cybercrime reports related to real estate transactions. That included hundreds of incidents of
The industry’s cybercrime losses have risen for two consecutive years, although last year’s figure trails the massive dollar amounts lost during the refinance boom.
The American Land Title Association, in commenting on the findings Friday, suggested that the rising losses necessitate keeping safeguards in real estate transactions. The trade group has emphasized its industry’s importance as
“Title professionals are not simply processing paperwork,” said Chris Morton, CEO of ALTA, in a press release Friday. “They help protect consumers and property rights against costly fraud, forgery and other hidden risks tied to property ownership.”
Where cybercrime is rising
Within real estate, the FBI reported 115 crimes related to
There were even more complaints around cryptocurrency, with 715 reported incidents in real estate equating to $25.1 million in losses. The bureau said those crimes typically involve bad actors, usually organized crime, deceiving victims into buying into fraudulent investments. The elevated incidents come as
Phishing and spoofing complaints more than doubled the next-highest complaint, extortion, while business email compromise was the ninth-most frequent incident. Business email compromise, which overwhelmingly occurred in wire transfer and Automated Clearing House transactions, still accounted for over $3 billion in total losses.
The data breach factor
The seeming onslaught of
The IC3 last year received over 3,600 complaints of ransomware alone, incidents resulting in combined losses of over $32 million. Not all data breaches are the result of a ransomware attack, and combined breaches accounted for $435 million in total losses.
The FBI also noted that the ransomware loss figure is artificially low, as some companies don’t report any loss amount. Very few mortgage companies have publicly
US Treasury Chief Urges Bank Execs To Approach Anthropic’s Latest AI Release With Caution
US Secretary of the Treasury Scott Bessent has recently urged chief executives of global companies to exercise greater vigilance toward Anthropic’s newly launched artificial intelligence powered system. The latest warning highlights potentially serious concerns over the ongoing integration of advanced AI powered tools into the financial services sector, particularly when it comes to handling sensitive data and operational security.
The main focus of the ongoing discussion is Anthropic’s launch of its seemingly versatile large language model or LLM, referred to as Claude Mythos Preview.
Developed mainly as a broad-purpose system, the model aims to strengthen organizations’ ability to identify and counter digital threats more effectively than previous versions.
FIs, which now tend to face increasingly sophisticated online attacks ranging from ransomware to fraudulent wire transfers, could now potentially benefit from enhanced pattern recognition as well as more effective real-time threat analysis. However, the full (positive or negative) impact of this release is not yet clear as its still in its early stages of development and deployment.
However, industry observers note that such capabilities could significantly reduce response times to emerging risks that traditional cybersecurity measures often struggle to catch.
In addition to this, Anthropic introduced a feature called Claude Managed Agents.
This offering allows authorized users to create, customize, and run autonomous AI-driven assistants within the firm’s secure environment.
Instead of relying on external integrations that might introduce vulnerabilities, organizations can now deploy these intelligent agents to automate routine compliance checks, monitor transaction flows, or even simulate potential breach scenarios.
The platform’s controlled setting is intended to maintain strict regulatory oversight, ensuring that the agents operate under predefined rules and audit trails.
The Treasury Secretary’s warning comes at a significant moment for the global banking sector.
As financial industry executives continue to carefully explore different ways to leverage the latest digital technology for addressing fraud prevention, regulators appear to be concerned about unintended consequences.
These reportedly include the possibility of over-reliance on AI outputs that may contain subtle inaccuracies, challenges in explaining model decisions to auditors, and the broader implications for systemic stability if multiple institutions adopt similar tools without actually needing coordinated safeguards.
The Secretary emphasized that while innovation in cyber defense is welcome and encouraged in most cases, banks must also learn to prioritize thorough testing, transparency, and alignment with existing regulatory frameworks before full-scale implementation takes place.
Industry professionals following the announcement suggest that Claude Mythos Preview represents a meaningful step forward in tailoring AI algorithms for increasingly complex environments.
By focusing specifically on cybercrime detection, the model could help institutions stay ahead of adversaries who constantly evolve their tactics.
The Managed Agents component further streamlines deployment, potentially lowering barriers for mid-sized banks that previously lacked the resources to build custom AI solutions in-house.
Nevertheless, the Treasury’s message serves as a reminder that technological advancements must be balanced with proper regulatory oversight. Banking industry professionals are now tasked with evaluating not only the performance gains or overall efficiencies but also the governance structures needed to integrate these digital tools in an effective manner.
JD Vance says talks end without deal after Iran refuses U.S. demand not to develop nuclear weapons
U.S. Vice President J.D. Vance said negotiations ended early Sunday between the United States and Iran without a peace deal after the Iranians refused to accept American terms to not develop a nuclear weapon.
The third round of historic, face-to-face talks concluded days after a fragile, two-week ceasefire was announced as the war that has killed thousands of people and shaken global markets entered its seventh week.
The latest bargaining lasted 21 hours, Vance said, with the vice president in constant communication with U.S. President Donald Trump and others in the administration.
“But the simple fact is that we need to see an affirmative commitment that they will not seek a nuclear weapon, and they will not seek the tools that would enable them to quickly achieve a nuclear weapon,” Vance told reporters. “That is the core goal of the president of the United States. And that’s what we’ve tried to achieve through these negotiations.”
The vice president said he spoke with Trump “a half dozen times, a dozen times, over the past 21 hours” and also spoke with Secretary of State Marco Rubio, Treasury Secretary Scott Bessent and Adm. Brad Cooper, head of the United States Central Command.
“We were constantly in communication with the team because we were negotiating in good faith,” Vance said, speaking at a podium in front of a pair of American flags with special envoys Steve Witkoff and Jared Kushner to his side. “And we leave here, and we leave here with a very simple proposal, a method of understanding that is our final and best offer. We’ll see if the Iranians accept it.”
Trump had said he would suspend attacks against Iran for two weeks. Vance’s comments did not indicate what will happen after that time period expires or if the ceasefire will remain in place.
After his brief remarks, Vance boarded his government plane to leave Pakistan.
Two Pakistani officials said discussions between the heads of the delegations will resume after a break. Some technical personnel from both teams are still meeting, said the officials, who spoke on condition of anonymity because they were not authorized to brief the press.
US says its destroyers moved through the Strait of Hormuz
Meanwhile, the U.S. military said two destroyers transited the Iran-gripped Strait of Hormuz ahead of mine-clearing work, a first since the war began. Iran’s state media, however, said the joint military command denied that.
“We’re sweeping the strait. Whether we make a deal or not makes no difference to me,” Trump told journalists as talks continued and the time approached 2 a.m. in Islamabad. He called negotiations “very deep.” Iranian state TV noted what it called “serious” differences.
The U.S. delegation led by Vance and the Iranian one led by Parliament Speaker Mohammad Bagher Qalibaf discussed with Pakistan how to advance the ceasefire already threatened by deep disagreements and Israel’s continued attacks against the Iranian-backed Hezbollah in Lebanon, whose health ministry said the death toll has surpassed 2,000.
Since the Islamic Revolution in Iran in 1979, the most direct U.S. contact had been in 2013 when President Barack Obama called newly elected President Hassan Rouhani to discuss Iran’s nuclear program. Obama’s secretary of state, John Kerry, and counterpart Mohammad Javad Zarif later met during negotiations toward the 2015 Iran nuclear deal — a process that lasted well over a year.
Now the far broader talks featured Vance, a reluctant defender of the war who has little diplomatic experience and warned Iran not to “try and play us,” and Qalibaf, a former commander with Iran’s powerful Revolutionary Guard who has issued some of Iran’s most fiery statements since fighting began.
Iran sets ‘red lines’ including compensation for strikes
Iran’s state-run news agency said the three-party talks began after Iranian preconditions, including a reduction in Israeli strikes on southern Lebanon, were met.
Iran’s delegation told state television it had presented “red lines” in meetings with Pakistani Prime Minister Shehbaz Sharif, including compensation for damage caused by U.S.-Israeli strikes that launched the war on Feb. 28 and releasing Iran’s frozen assets.
The war has killed at least 3,000 people in Iran, 2,020 in Lebanon, 23 in Israel and more than a dozen in Gulf Arab states, and caused lasting damage to infrastructure in half a dozen Middle Eastern countries. Iran’s grip on the Strait of Hormuz has largely cut off the Persian Gulf and its oil and gas exports from the global economy, sending energy prices soaring.
Reflecting the high stakes, officials from the region said Chinese, Egyptian, Saudi and Qatari officials were in Islamabad to indirectly facilitate talks. The officials spoke on condition of anonymity to discuss the sensitive matter.
In Tehran, residents told The Associated Press they were skeptical yet hopeful after weeks of airstrikes left destruction across their country of some 93 million people.
“Peace alone is not enough for our country because we’ve been hit very hard, there have been huge costs,” 62-year-old Amir Razzai Far said.
In his strongest words yet, Pope Leo XIV denounced the “delusion of omnipotence” fueling the war.
US sending forces to help mine-clearing on the strait
Iran’s closure of the Strait of Hormuz has proved its biggest strategic advantage in the war. Around a fifth of the world’s traded oil had typically passed through on over 100 ships a day. Only 12 have been recorded transiting since the ceasefire.
On Saturday, Trump said on social media that the U.S. had begun “clearing out” the strait.
“Today, we began the process of establishing a new passage and we will share this safe pathway with the maritime industry soon,” U.S. Central Command commander Adm. Brad Cooper later said. The U.S. statement about the destroyers added: “Additional U.S. forces, including underwater drones, will join the clearance effort in the coming days.”
Iranian Foreign Minister Abbas Araghchi had said Tehran was entering negotiations with “deep distrust” after strikes on Iran during previous talks. Araghchi, part of Iran’s delegation in Pakistan, said Saturday that his country was prepared to retaliate if attacked again.
Iran’s 10-point proposal ahead of the talks called for a guaranteed end to the war and sought control over the Strait of Hormuz. It included ending fighting against Iran’s “regional allies,” explicitly calling for a halt to Israeli strikes on Hezbollah.
The United States’ 15-point proposal includes restricting Iran’s nuclear program and reopening the strait.
Israel and Lebanon will have direct negotiations
Israel pressed ahead with strikes in Lebanon after saying there is no ceasefire there. Iran and Pakistan have disagreed.
Negotiations between Israel and Lebanon are expected to begin Tuesday in Washington, Lebanese President Joseph Aoun’s office has said, after Israel’s surprise announcement authorizing talks despite the countries lack of official relations.
But as thousands in Lebanon protested the planned negotiations on Saturday, Prime Minister Nawaf Salam said he had postponed a planned trip to Washington “in light of the current internal circumstances.” His absence should not affect talks as the first round is expected to be at the ambassadorial level.
Israel wants Lebanon’s government to assume responsibility for disarming Hezbollah, much like was envisaged in a November 2024 ceasefire. But the militant group has survived efforts to curb its strength for decades.
Hezbollah joined the war in support of Iran in the opening days. Israel followed with airstrikes and a ground invasion.
The day the Iran ceasefire deal was announced, Israel pounded Beirut with airstrikes, killing more than 300 people in the deadliest day in Lebanon since the war began, according to the country’s Health Ministry.
Turn Client Relationships Into Revenue Growth
Catch the full episode:
Overview
In this episode of the Duct Tape Marketing Podcast, John Jantsch sits down with Taylor McMaster, founder of Dot & Company, to unpack a commonly overlooked growth constraint in agencies: client account management. While most agencies obsess over lead generation and fulfillment, Taylor makes the case that long-term growth is driven by what happens after the sale.
The conversation explores how proactive communication, structured onboarding, and a culture of ownership can dramatically improve retention, increase client lifetime value, and unlock scalable growth. Taylor also shares insights on fractional account management, building acquisition-ready businesses, and how agencies can stay relevant in an AI-driven landscape.
Guest Bio
Taylor McMaster is the founder of Dot & Company, a specialized firm focused on helping digital marketing agencies improve client retention through better account management. Her company provides fractional account managers and builds systems for onboarding, communication, and client experience. Taylor also hosts the Happy Clients Podcast and has built Dot & Company into an acquisition-ready business, offering a unique perspective on specialization and scalable agency models.
Key Takeaways
1. Retention Is the Real Growth Lever
Most agencies focus heavily on acquiring clients but neglect the systems required to keep them. Strong account management directly impacts profitability and long-term growth.
2. Account Managers Are Growth Drivers, Not Just Support
The role goes beyond project coordination. Great account managers identify upsell opportunities, align services with evolving client goals, and actively contribute to revenue growth.
3. Proactive Communication Builds Trust
Silence creates doubt. Consistent, proactive communication ensures clients feel progress is being made and reinforces trust throughout the engagement.
4. Onboarding Sets the Tone for the Entire Relationship
A structured onboarding process is a key differentiator. How a client starts with you often determines retention, satisfaction, and perceived value.
5. Sales and Account Management Must Be Aligned
Misaligned expectations during the sales process create downstream issues. Involving account managers early ensures continuity and better client outcomes.
6. Delegation Requires Systems and Trust
Agency owners struggle to let go because processes live in their heads. Documented systems and gradual trust-building are essential for scaling beyond the founder.
7. Fractional Doesn’t Mean Disconnected
Fractional account managers can feel like full-time team members when integrated properly into culture, communication, and workflows.
8. Specialization Creates Competitive Advantage
Dot & Company’s success stems from focusing narrowly on account management, allowing them to build deep expertise and stand out in a crowded market.
9. Human Experience Is the Differentiator in the AI Era
As AI tools become more prevalent, clients will increasingly value human connection, strategic thinking, and consultative relationships.
10. Build a Business That Can Run Without You
A key factor in Dot & Company’s acquisition was Taylor removing herself from day-to-day operations, reducing risk and increasing business value.
Great Moments
00:01 – The Hidden Growth Constraint
John introduces the idea that account management—not lead generation—may be the real bottleneck in agency growth.
01:14 – The “Butt in the Seat” Mistake
Taylor explains why hiring an account manager without a strategy often fails.
02:44 – Account Managers as Revenue Drivers
Discussion on how account managers should actively identify upsell opportunities.
05:04 – The Power of Overcommunication
Taylor shares her philosophy on proactive communication and its impact on client perception.
07:18 – Why Onboarding Matters More Than You Think
John explains how structured onboarding drives long-term retention.
08:02 – Bringing Account Managers Into Sales
Avoiding the “handoff” problem by integrating delivery teams early.
10:27 – Letting Go as a Founder
How to build trust and transition client relationships away from the owner.
14:42 – AI vs Human Experience
Taylor explains why human connection will matter more—not less—in an AI-driven world.
16:22 – The Power of Specialization
Why Taylor chose a narrow focus and how it fueled growth.
21:06 – Building an Acquisition-Ready Business
Key factors that made Dot & Company attractive to buyers.
Memorable Quotes
“Account management really is part of the whole picture. It’s retaining your clients, keeping them around, and that directly affects your bottom line.”
“Every day that goes by without communication, clients think you’re doing nothing.”
“We don’t want clients to outgrow us—we want to grow with them.”
“People are going to crave the human experience more and more, but expect better results and efficiency.”
Revenue Growth, Taylor McMaster
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NLP and Yield Curve Prediction From Central Bank Minutes
The model produced several observable patterns in both market behavior and language structure. These findings illustrate how text-based signals align with subsequent yield curve movements.
Market Structure and Curve Dynamics
First, short-term volatility in the Brazilian fixed income market is higher than long-term volatility. This contrasts with traditional theory and suggests that, in emerging markets, investors react more strongly to short-term news and policy signals. Long-term instruments appear to trade with comparatively lower volatility, reflecting the dominance of institutional investors at longer maturities.
In addition, 84% of daily yield curve movements fall into four of the eleven standard configurations identified in the literature, with parallel upward and parallel downward shifts among the most frequent (also confirming this short term volatility flavor). This concentration highlights the importance of correctly classifying a small set of dominant curve dynamics.
Extracting Signal from Language
To prepare the text data, common words such as “committee,” “scenario,” “billions,” and “prices” were removed as stop words, as they do not contribute to classification. Word frequencies were then mapped for each yield curve movement category, allowing comparison of language patterns across different curve configurations.
Seasonality in Curve Movements
When examining the language associated with specific movements, a seasonal pattern emerged. For example, bear flattening movements were frequently associated with references to August, September, and October, while bull flattening movements were more often linked to January, February, and March. A chi-squared test provided statistical evidence of seasonality across several yield curve movements.
The Plum Card® from American Express Discontinued
The Plum Card® from American Express Discontinued
American Express has discontinued the Plum Card. This was a business card that rarely offered a signup bonus and had a relatively high annual fee of $250.
The main feature on the card is the uncapped 1.5% Early Pay discount if you pay in full early. Or you get up to 60 days to bring your balance down to zero without interest.
You can see more details about the card here, but the application page is no longer available.
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Some communities are enduring unprecedented long waits on federal disaster requests
The Trump administration approved major disaster declaration requests for at least seven states this week, according to information released Saturday by the Federal Emergency Management Agency, allowing affected communities to access federal support. About 15 requests for assistance from others states and tribes for extreme weather events this year and last seem to be pending, along with three appeals of previous denials.
Alaska, Idaho, Montana, Oregon, South Carolina, South Dakota and Washington were granted major disaster declarations, which can unlock federal support and funding for recovery needs such as public infrastructure repairs and aid for survivors.
The announcement, in a FEMA daily briefing document, comes weeks into Homeland Security Secretary Markwayne Mullin’s tenure overseeing the disaster relief agency and is the latest signal that the former Republican senator from Oklahoma could ease some of the turmoil from the leadership of his predecessor, Kristi Noem, who was fired by President Donald Trump in March.
Nonetheless, FEMA’s work could be undermined by the ongoing DHS shutdown, now eight weeks long. While disaster response and recovery can continue through a shutdown because FEMA’s Disaster Relief Fund does not lapse, that money is running low as the funding impasse drags on. The DHS appropriations bill would replenish the fund with more than $26 billion.
Mullin said Tuesday that he planned to brief Trump that day on the pending declaration requests, affirming his intention to speed up work on past disasters in the run-up to Atlantic hurricane season, which begins June 1.
“We’re trying to push this stuff forward as fast as possible,” Mullin said after surveying Hurricane Helene recovery work in North Carolina on his first official visit as DHS secretary, acknowledging that “disasters are happening constantly.”
White House spokeswoman Abigail Jackson said Saturday that Trump responds to such requests “with great care and consideration, ensuring American tax dollars are used appropriately and efficiently by the states to supplement — not substitute — their obligation to respond to and recover from disasters.” She said an administration goal is having state and local governments “invest in their own resilience before disaster strikes, making response less urgent and recovery less prolonged.”
While Mullin assured fellow senators during his confirmation hearing that he believed in FEMA’s mission, the agency’s future is uncertain. Trump has expressed a desire to push more responsibility for disasters down to states. The FEMA Review Council he appointed last year has not released a recommendation report expected to include sweeping changes to how the federal government supports disaster resilience, response and recovery.
It was not immediately clear whether other states or tribes had also been told of approvals or denials that were not yet announced publicly. Hawaii Governor Josh Green, a Democrat, said Wednesday said his state had received a disaster declaration for devastating March flooding.
Trump also amended past disaster declarations for Tennessee and Mississippi, adding more counties for individual assistance after a severe winter storm in January.
Some communities have experienced unprecedented long waits for answers on their disaster requests during Trump’s second term. An analysis by The Associated Press in September found approvals were taking more than a month on average.
It took less than two weeks on average for a governor’s disaster declaration request to be granted by presidents in the 1990s and early 2000s. That rose to about three weeks during the past decade under presidents from both major parties.
Arizona has been waiting nearly three months for an answer to its appeal after being denied support for severe storms and flooding that occurred in September.
Some Democrat-led states have complained about being denied disaster declarations despite proving need. Maryland Gov. Wes Moore called Trump’s decision “deeply frustrating” after the president twice denied the state’s request for support for May 2025 flooding despite a FEMA assessment showing over $33 million in damages.
While FEMA assesses damage and uses a specific formula to analyze the possible impact on states and local jurisdictions, disaster declarations are ultimately at the president’s discretion.
None of the approvals made this week includes hazard mitigation funding, a once-typical add on to disaster declaration support that helped communities build back with more resilience. Trump has not approved a hazard mitigation request for more than a year.