I n 2025, AI-powered tools aren’t just for big companies—they’re helping everyday people manage money, invest smarter, and scale their businesses with less effort. For entrepreneurs, AI can handle tasks like marketing, customer service, invoicing, and even contract management, freeing up time to focus on growth. When it comes to personal finance, AI-driven investing platforms can optimize portfolios, automate trades, and provide real-time insights to help people make smarter financial decisions. Whether you’re starting a side hustle, launching a business, looking to save more, or trying to build long-term wealth, AI is giving people more opportunities to take control of…

The Trump Administration is abolishing the office that manages and coordinates most federal programs for older adults and younger people with disabilities who live at home. At the same time, it is restructuring two offices that provide independent evaluation and analysis of patient safety and long-term care. The elimination of the Administration for Community Living (ACL) will be a major blow to older adults and people with disabilities. It manages most federal supports, other than Medicaid and subsidized housing, for older adults living in non-institutional settings. A Broader Assault “This is part of a bigger assault on older adults,” says…

Digital transformation has become vital for businesses to stay competitive in our ever-changing world. Innovative entrepreneurs like Lucas Diaz of Ludia Consulting, Jacqueline Shorter-Beauchamp of Engaged Media Studios, and Dexter Hardy of Ntegral, are utilizing advanced technologies to create solutions for complex business challenges. Their innovations are reshaping industries with decentralized systems, better decision-making capabilities, and uninterrupted physical-digital integration that OECD found could generate 24 million new jobs by 2030. The Breakdown You Need To Know: Businesses must understand and adapt to new environments where digital transformation keeps changing product markets, business dynamics, and economic growth in all sectors. Specifically,…

9 Million Student Loan Borrowers Are Delinquent On Student Loans After a historic pause in payments, student loan borrowers face a harsh reality check. A new Federal Reserve Bank of New York study estimates that roughly 9.2 million Americans have fallen behind on their student loan bills since repayments have resumed​. This wave of delinquency – affecting about 43% of those required to make payments – marks a dramatic uptick that experts warn could surpass pre-pandemic levels. With more than $250 billion in student debt now delinquent, the fallout may only be beginning to unfold. Student Loan Delinquencies Surge Post-Pandemic…

There have been several significant developments this week that will impact millions of student loan borrowers trying to navigate an array of repayment plans and student loan forgiveness programs that have been embroiled in turmoil. For the last several weeks, borrowers have lost access to income-driven repayment plans. IDR plans are affordable repayment options mandated by Congress to allow borrowers to repay their federal student loans based on a formula applied to their income and family size. Payments are typically required to be recalculated every 12 months, and borrowers who haven’t repaid their balance in full within 20 or 25…

A financial advisor is not only for the super-rich; anyone facing major life transitions, nearing retirement, or feeling overwhelmed by financial decisions could benefit from professional guidance. This article explores the role of financial advisors, when you may need to consult one, and key considerations for choosing. What Does A Financial Advisor Do? A financial advisor is a trained professional who helps clients manage their finances and make informed decisions that align with their life goals. While many associate advisors primarily with investment management, their role encompasses a far broader range of services. These may include retirement planning, tax optimization,…

Anti-SLAPP laws are statutes that provide a substantive right of a person to an early dismissal of causes of action brought against them with the effect of silencing or punishing their First Amendment (and corresponding state constitutional) rights to freedom of speech and to petition. The idea ― which has been proven to be very successful ― is to prevent a plaintiff from using the heavy monetary and emotional expense of litigation to grind down a defendant, even if the plaintiff’s lawsuit is ultimately shown to be meritless. Anti-SLAPP laws accomplish this by, basically, moving the summary judgment motion from…

Think of the federal income tax as a patient with heart disease. But instead of treating the condition, the hospital removes the oxygen the patient needs to breathe, then fires the doctors who could unblock the clogged arteries. The actions of President Trump combined with early policy initiatives in Congress threaten to kill the federal income tax. If these efforts continue unabated, the current revenue system could collapse, opening the door to two stated goals of many Trump supporters—deep federal spending cuts and some form of consumption tax. Such a result would be consistent with multiple initiatives by Trump and…

The Department of Education has officially issued clarified guidance on income-driven repayment plan (IDR) recertification following recent count action that paused several aspects of IDR programs. While online applications IBR, PAYE, and ICR plans are expected to reopen on March 26, 2025, processing delays will continue. Borrowers with upcoming or missed recertification dates are being provided extensions, depending on when the annual recertification date was. For some borrowers, their IDR recertification dates will move one year. For others, loan servicers may have to make manual updates to resolve payment plan issues. You can find this information on a new banner…

The IRS has won its ninth microcaptive tax shelter case in Jones v. CIR, T.C. Memo. 2025-25 (March 25, 2025). The only real wonder at this point is why taxpayers keep spending the attorney fees to take their case to the U.S. Tax Court knowing ― or at least their attorneys knowing ― that their case is almost certainly to be a loser. Anyway, you can and should read the Tax Court’s opinion for yourself, which is found here. In a nutshell, a California-based company called Sani-Tech West, Inc., was a distributor of high-purity process components, such as tubing, filters…