Young adults in the U.S. have been skeptical about Social Security at least since the days when I was one of them. Today’s younger generations are no different, and that’s affecting their retirement planning. About 47% of non-retirees believe Social Security won’t pay them any retirement benefits, according to a…

Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own. The…

When Kamala Harris chose Minnesota Governor Tim Walz, a former teacher, as her running mate, experts noted he could bring a revitalized policy focus on child care and early childhood. As governor, Walz expanded state child tax credits and built a paid family leave program. Walz also distributed funds to…

It’s become a familiar sight at Starbucks cafes: a counter crowded with mobile orders, frustrated customers waiting for the drinks they ordered and overwhelmed baristas trying to keep up with it all.Fixing that problem will likely top incoming CEO Brian Niccol’s list of tasks to turn around the struggling coffee…

After the 2018 Camp Fire – the deadliest wildfire in California’s history – engulfed Michael and Kristy Daneau’s Paradise home, the couple and their four daughters were forced to move 30 miles away to find a home they could afford. They moved to Cohasset to buy a home with money they…

Investment overview I wrote about Chegg Inc. (NYSE:CHGG) previously (14th May 2024) with a hold rating as I wanted to see evidence that CHGG is able to grow its subscribers and that growth can inflect upwards. I remain hold-rated for CHGG as there are still no major signs of improvement…

Unlock the US Election Countdown newsletter for freeThe stories that matter on money and politics in the race for the White HouseDemocrats rushed to defend Kamala Harris’s newly unveiled economic plans on Sunday, amid criticism that they amounted to gimmicks that would fail to tackle inflation. The Democratic presidential candidate…

Shanen Ebersole is voting for Donald Trump. With plenty of reservations, but zero hesitation. “It’s definitely a vote for Trump,” Ebersole said. “I’m happy doing that with the choices that we have. I don’t think there is any way I could vote any other direction.” Ebersole was a Nikki Haley…

A smart use of any retirement savings you’ve set aside in Roth IRAs and/or Roth 401k accounts can help you reduce the income taxes you’ll pay during retirement and also boost your wealth for future needs and goals. This post looks at three possible ways to strategically use your Roth…

Mortgage rates dipped significantly this week, dropping to the lowest level in more than a year, according to Freddie Mac. Rates for 30-year, fixed-rate mortgages averaged 6.47%, down from 6.73% last week. “Mortgage rates plunged this week to their lowest level in over a year following the likely overreaction to…