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No Lifetime Language (NLL) Offers on Amex Delta Cards, Earn Up to 125K Miles


NLL Offers on Amex Delta Cards

American Express and Delta Air Lines have launched new welcome offers on all six credit cards and they have no lifetime language (NLL). For Delta business cards especially, these are some of the best bonuses we have seen. The link is not targeted and the offers should show up for everyone. Let’s go over the details.

NLL Offers on Amex Delta Business Cards

Business Cards

These are the three offers available on Delta business cards:

  • Amex Delta Gold Business
    • Earn 90,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
    • $0 intro annual fee for the first year, then $150.
  • Amex Delta Platinum Business
    • Earn 110,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
    • $350 annual fee
  • Amex Delta Reserve Business
    • Earn 125,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
    • $650 annual fee

NLL Offers on Amex Delta personal Cards

Consumer Cards

These are the offers showing up for consumer cards:

  • Amex Delta Gold
    • Earn 85,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
    • $0 intro annual fee for the first year, then $150.
  • Amex Delta Platinum
    • Earn 100,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months.
    • $350 annual fee
  • Amex Delta Reserve
    • Earn 125,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months.
    • $650 annual fee

How To Find These Offers

You can see these offers by creating a Delta SkyMiles business account, and they should show up for everyone. The consumer cards bonuses are working as well this time around.

You can also find more NLL offers here.

Amex Lifetime Rule

American Express restricts you to just one sign up bonus per credit card product. That’s once per lifetime, although American Express usually looks just at the previous 5-7 years. Even if you previously had the card and didn’t receive a bonus (maybe during your pre-churning days), you won’t be eligible for a bonus on the same card.

On top of that, American Express has been introducing family rules for welcome bonuses. That means that if you receive a bonus on one card, you might become ineligible for a bonus from another card in the same family. Personal Delta credit cards have a family rule, while business credit cards do not.

However these offers does not seem to have that language so that means that you are able to get the bonus even if you have had the card in the past. Just make sure to check your own offer thoroughly to see if this restriction is included.

Guru’s Wrap-up

These are some of the best offers we have seen on Delta cards, especially for business cards which match best ever offers. To make things better, there’s no lifetime language in the terms. This opens up the opportunity to earn another bonus, even if you have had one of these cards in the past.

Let me know if it works out for you, or join the conversation in the DDG Facebook Group!


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Can Nvidia Stock Reach $743 in the Next 12 Months?


The artificial intelligence (AI) revolution has made Nvidia (NVDA 2.16%) the world’s largest public company at a market cap of approximately $5 trillion today. That’s a share price of $205, thanks to stock splits. But despite Nvidia’s historic run these past several years, there could be more upside ahead.

How much? Wall Street analysts have 12-month price targets as high as $743 per share. It’s a lofty number to say the least. That’s more than triple today’s stock price, and would value Nvidia at over $15 trillion, an unprecedented valuation.

Here’s a look at what’s likely driving these ambitious price targets, and how likely Nvidia stock is to actually reach $700 per share over the coming year.

Image source: The Motley Fool.

The Vera Rubin boom is coming

Nvidia’s business is at an exciting threshold right now. The company’s next-generation AI chip platform, Vera Rubin, is in full production and poised to start shipping in the coming months. Vera Rubin consists of six total chips that combine to create an AI supercomputer designed for agentic AI and inference workloads. It also expands Nvidia’s chip footprint across the server rack. It’s a significant growth catalyst at a time when the AI industry is moving from training to inference.

NVDA Revenue (TTM) Chart

NVDA Revenue (TTM) data by YCharts

CEO Jensen Huang has said that Nvidia expects $1 trillion in total orders between Vera Rubin and its current-generation flagship architecture, Grace Blackwell, by 2027. Such a large pipeline points to tremendous revenue growth ahead for Nvidia, which generated $253.5 billion in total sales over the past 12 months.

Why the price target isn’t the point

Nvidia Stock Quote

Today’s Change

(-2.16%) $-4.59

Current Price

$207.86

Sure, Nvidia stock could reach $700 over the next year, but that depends a lot on its valuation.

Nvidia trades at 20 times its trailing 12-month sales, and that ratio would need to increase significantly to get shares to $700 over the next year, even with all that projected growth ahead. The stock has traded at higher multiples on its sales before, but that’s harder for a stock to sustain as the numbers grow larger. It seems that $700 per share is definitely doable, but probably not in the next 12 months.

But that shouldn’t be the primary focus. Price targets are eye-catching, but investors should instead concentrate on the company’s broader direction. Nvidia is about to enter yet another growth phase as Vera Rubin begins impacting sales over the next several quarters. That’s probably why 94% of the 69 Wall Street analysts surveyed by CNN Business rate the stock as a buy today. Wall Street isn’t always right, but in Nvidia’s case, the future still looks plenty bright enough to buy the stock.

Factors That Influence Mortgage Interest Rates


There are a few really important numbers when it’s time to obtain a home loan: your credit score, the amount you want to borrow, and the interest rate. The news is full of talk about interest rates lately. Will they go up? Will they go down? Will they stay down? When they go up, how far will they go?

Education Department Moves Special Ed to HHS and Civil Rights to DOJ


Key Points

  • The U.S. Department of Education signed four new interagency agreements on June 16, 2026, sending special education and rehabilitative services oversight to Health and Human Services and civil rights enforcement, student privacy, and desegregation training to the Department of Justice.
  • The agreements do not repeal or rewrite any law. IDEA, Title IX, Section 504, and FERPA remain in force, and the Department of Education says it keeps all of its statutory authorities and functions.
  • For families, the day-to-day mechanics (IEPs, 504 plans, and the process for filing a civil rights complaint with the Office for Civil Rights) are unchanged for now, though the reshuffling raises real questions about coordination and accountability.

The U.S. Department of Education announced on June 16, 2026 that it is handing operational responsibility for two of its most consequential non-financial aid functions (services for students with disabilities and enforcement of federal civil rights laws as it relates to education) to other federal agencies.

Under four new interagency agreements, the Department of Health and Human Services (HHS) will support the Office of Special Education and Rehabilitative Services (OSERS), while the Department of Justice (DOJ) will take on civil rights enforcement, student privacy protection, and desegregation training and advisory services.

The move is the latest and largest step in an effort that has been going on for more than a year. It follows 10 earlier partnerships that shifted programs to the Departments of Labor, the Interior, State, the Treasury, and HHS. The move is clear: the Trump administration wants to shrink the footprint of the Education Department without waiting for Congress to formally eliminate it.

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What Actually Changes (And What Didn’t)

The single most important point for families to understand is what these agreements are not. They are not a repeal of any law. The Individuals with Disabilities Education Act (IDEA), Title IX, Section 504 of the Rehabilitation Act, and the Family Educational Rights and Privacy Act (FERPA) all remain fully in effect. The legal rights students and parents hold under those statutes do not change because an agency reorganizes who administers a program.

The agreements are built on a legal tool called an interagency agreement, authorized under the Economy Act (31 U.S.C. § 1535). That statute lets one federal agency contract with another to perform services. As the Department’s own fact sheet notes (PDF File), these agreements have been used by both Democratic and Republican administrations, including a 2022 agreement under the Biden administration directing the Department of Labor to administer certain First Step Act grants.

An interagency agreement cannot, on its own, transfer or end a statutory duty that Congress assigned to the Education Department.

That distinction matters because the Department says it is keeping its legal authority. In the civil rights partnership, the agencies state that “the enforcement of federal civil rights laws will continue without interruption, and ED will retain all statutory authorities and functions.”

On special education, the Department says the partnership “does not alter” the federal government’s obligation to enforce disability rights laws.

When the administration moved six education programs to four other agencies in late 2025, we pointed out that interagency agreements do not change the underlying law — responsibility for these programs still legally sits with the Department of Education, and shuffling the operational work to another agency does not save money, improve outcomes, or improve accountability on its own.

And all of these moves also track with what we expected last year.

Eliminate The Department of Education Infographic | Source: The College Investor

Special Education Moves To Health And Human Services (HHS)

Under the HHS partnership, the agency that already oversees Medicaid, Head Start, and a range of disability programs will support the administration of OSERS, the office that houses IDEA and vocational rehabilitation. The stated goal is to reduce bureaucratic friction and better coordinate the disability services that are currently split across two government departments.

Secretary of Education Linda McMahon framed the partnership around outcomes. “Through our partnership with HHS, we will align federal services with the goal of strengthening academic outcomes and supporting individuals with disabilities so that they can achieve greater independence, key life skills, and meaningful employment,” she said.

HHS Secretary Robert F. Kennedy, Jr. added that the two agencies would “cut bureaucratic barriers, better align federal resources, and deliver more effective support for individuals with disabilities and their families.

Along with the announcement, Secretary McMahon recorded this video message to parents:

Some context on scale: IDEA marked its 50th anniversary in 2025, and more than 8 million infants, toddlers, and students with disabilities are served under the law today — more than double the number when it passed in 1975.

The administration has paired the reorganization with a funding pitch, including a proposed Fiscal Year 2027 budget request for what it describes as a historic increase of more than half a billion dollars above the prior special education appropriation, and a recently announced $144 million boost for state and local IDEA programs.

Important note that those figures are administration claims as the FY2027 budget is a request to Congress, not enacted funding.

One conceptual concern advocates have raised is philosophical as much as administrative. IDEA treats disability as an education matter (guaranteeing a free appropriate public education) not as a medical condition to be treated. Housing its administration inside a health agency makes that boundary worth watching, even though the statute itself is unchanged.

Civil Rights Enforcement Moves To Department Of Justice (DOJ)

The Department of Justice will also take on a coordinating role in civil rights enforcement alongside the Education Department’s Office for Civil Rights (ED-OCR). The two agencies have actually shared a coordinated enforcement agreement for more than two decades, so the partnership builds on existing collaboration rather than inventing it from scratch.

Many actions you see against colleges and even individual fraudsters come from this partnership.

Acting Attorney General Todd Blanche said the partnership aims to “build a stronger, more coordinated civil rights enforcement system — one that makes clear that discrimination on the basis of race, sex, or ability will not be tolerated in our schools.”

DOJ will also partner with ED on student privacy under FERPA and on the training and advisory services that help school districts develop desegregation plans, an authority rooted in the Civil Rights Act of 1964.

How This Will Impact Families Moving Forward

For parents and students, the practical answer right now is: handle issues the same way you always have. 

The Department’s civil rights fact sheet is explicit that the partnership “will not impact students, parents or families who believe they have experienced discrimination.” Anyone who believes discrimination occurred in an education program can still file a complaint with ED-OCR, which retains authority to investigate complaints based on race, color, national origin, sex, disability, or age. Complaints can be filed electronically through the OCR website, and OCR staff remain available on the status of pending cases.

The same continuity applies to special education. IEPs and 504 plans are written and enforced at the school and district level under federal law. A change in which federal agency provides back-office administration does not rewrite your child’s plan or remove a school or district’s legal obligations.

The open questions are about execution and oversight, not rights. Splitting closely related functions across agencies can fragment coordination, slow guidance, and blur lines of accountability when something goes wrong.

Whether families experience faster, more responsive service or new bureaucratic seams will depend on how these agreements are implemented and that will take months or years to become clear.

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Moving Education Programs Around Washington Is Bad Policy

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Editor: Colin Graves

The post Education Department Moves Special Ed to HHS and Civil Rights to DOJ appeared first on The College Investor.

[Migration Complete] Server Migration – Comments Closed & Content Freeze (1-2 Hours)


Update 6/16/26 2:35AM EST: Migration complete. If you see any errors with the site (particularly new since the migration last night) please let us know in the comments below. 

Update: Content freeze will actually last approximately 1-2 hours so we’ve pushed it back to 12:30 AM EST to impact less readers.

Update: This will be somewhat delayed, mostly as backups etc are taking longer than expected. Will update when we know more

Just letting everybody know that at approximately 8:30PM EST the comments and all content will be frozen while we move servers. We are hoping that if everything runs smoothly this will last approximately 5-15 minutes but obviously things can and do go wrong. This server upgrade should make the site faster and also cheaper to run (meaning we can put more resources into improving the site). 

Once the server migration is finished and the content freeze has been lifted I will update this post. After that time if you see anything that is broken please let us know in the comments below. It would be helpful if you could distinguish between if something is newly broken after the server migration and something that has been broken for some time. 

He Saved Arby’s. Now He’s Betting $1.5 Billion That He Can Rescue Pizza Hut

In a blockbuster deal, Bob Berlin’s LongRange Capital will acquire the entirety of the brand’s business outside of China.

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Decentralized Trading : Hyperliquid Now Claims $10B+ In Open Interest For Perpetual Futures Contracts


Talos has noted that Hyperliquid has emerged as a significant player in decentralized trading, claiming over $10 billion in open interest for perpetual futures contracts. According to insights from Talos, the platform is expanding rapidly into equities, commodities, pre-IPO assets, and innovative outcome-based markets, while forging deeper ties with stablecoin providers through yield-sharing mechanisms.

Launched in early 2023, Hyperliquid distinguishes itself with a fully on-chain central limit order book (CLOB) that delivers sub-second execution speeds and high throughput, rivaling traditional centralized exchanges.

Unlike many blockchain networks that depend on off-chain components for performance, Hyperliquid’s HyperCore architecture handles order matching directly on-chain via a custom HyperBFT consensus mechanism.

This setup supports up to 200,000 orders per second. Complementing it is the HyperEVM, a general-purpose environment that allows developers to build applications using familiar Ethereum tools, including lending protocols and new token deployments.

Together, these layers create a unified venue for diverse financial products.

Perpetual contracts, or “perps,” remain a cornerstone, offering traders exposure without expiration dates.

To keep futures prices aligned with spot markets, the platform uses funding rates—periodic payments exchanged between long and short positions.

Analysis shows Hyperliquid’s BTC perpetual funding rates exhibit higher short-term volatility compared to major competitors like Binance and Deribit. Yet, over the past six months, they rank among the most competitive for long-position holders, averaging around 0.00135%.

This balance helps minimize costs for sustained positions while maintaining market efficiency.

A key growth driver is HIP-3, an upgrade enabling community-deployed perpetual DEXs for non-crypto assets.

Builders must stake substantial HYPE tokens (approximately $33.5 million equivalent) to launch markets, ensuring quality and alignment.

These permissionless venues have attracted significant activity in oil, Nasdaq-100, and tech stocks, often exceeding $100 million in daily volume.

Notably, a large share of trading in assets like the S&P 500 and oil occurs outside traditional US market hours, enabling real-time responses to global events.

Pre-IPO trading has also surged, with open interest surpassing $250 million for anticipated listings such as SpaceX around mid-June. Roughly $3-4 billion of total open interest now stems from these HIP-3 markets.

HIP-4 further broadens options with outcome markets, which deliver fixed payouts based on real-world events without the complexities of margin or liquidation.

As explained in the update from Talos, traders can use these for hedging—for instance, offsetting a short BTC position by betting on price thresholds in short-term binary-style contracts. This adds flexibility and diversifies risk management tools.

Stablecoin integration marks another milestone. Following community input in late 2025,

Native Markets initially issued USDH as a native stablecoin with revenue-sharing features.

In May 2026, Coinbase acquired related assets, transitioning to USDC as the primary aligned quote asset (AQA) for margin, spot, and perpetual trading.

Both Circle and Coinbase stake HYPE tokens to support operations, subject to slashing for downtime.

Crucially, they share roughly 90% of yield generated from USDC reserves—primarily from short-term treasuries and repos—with the Hyperliquid protocol.

With around $5 billion in circulating USDC, this could generate approximately $160 million annually for the ecosystem, fueling HYPE buybacks and burns.

These mechanisms strengthen the HYPE token’s utility.

Validators, market creators, and traders stake it for security, fee discounts, and transaction costs.

The blog post from Talos added that protocol revenues from trading fees and yield sharing support ongoing token burns, akin to corporate share repurchases, potentially removing hundreds of millions in value from circulation under current projections.

As noted in the research update from Talos, Hyperliquid’s on-chain efficiencies, permissionless market creation, and strategic partnerships are positioning it as a comprehensive hub for global trading.

By bringing together crypto-native tools with traditional asset exposure and yield-enhanced stablecoins, the platform offers investors broader opportunities in a single, high-performance environment. The update from Talos has concluded that this ongoing evolution underscores its potential to bridge decentralized finance with more traditional markets.

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