Mortgage rates were mixed this week with the standard 30-year note declining slightly for the fourth consecutive reading, while shorter-term rates ticked up a bit. Freddie Mac’s latest Primary Mortgage Market Survey, released Thursday, showed that the average rate on the benchmark 30-year fixed mortgage ticked down to 6.86% this week…

The Republican party platform, orchestrated by former President Trump, is filled with promises for those it calls “our Great Seniors.” But there is little or no real policy behind most of those campaign pledges. And the document is filled with many irreconcilable contradictions. The platform will be the GOP’s election-year…

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…

Fertility rates are declining worldwide. Yes, there are nations where there are still far more children than the replacement rate of at least 2.1 children per woman. But industrialized economies are all well below replacement level. United States Census data indicates that the percentage of women between ages 30 and…

Prospective homebuyers didn’t get much relief on mortgage rates this week, as the average 30-year fixed-rate mortgages barely budged from 6.87 to 6.86%, Freddie Mac reported. Last year, interest rates weren’t wildly different and averaged 6.71% for 30-year mortgages and 6.06% for 15-year mortgages.”The 30-year fixed-rate mortgage continues to trend…

A growing number of Californians are struggling to pay their credit card bills as they continue to battle steep interest rates and high inflation. New findings published by WalletHub, a personal finance platform, show that several California cities are leading the nation in an uptick in credit card delinquencies. Chula Vista…

It probably isn’t surprising to you that taxes can be one of your biggest expenses while in retirement. Of course, this doesn’t make paying all those taxes less painful. The tax burden you bear on your retirement income can vary depending on where you live. Currently, there are just 12…

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…

Many Americans plan to rely on their credit cards to finance a significant portion of their holiday travel, even if they can’t afford it, a recent survey said.  Roughly 83% plan to pay for a portion of their trip using credit cards, a new Debt.com survey said. More than a…

Black and Latino workers, along with those of other or multiple races/ethnicities regularly have significantly less money in retirement savings than white workers do. This disparity results in a less secure retirement, even though they often work longer hours and careers. The retirement savings gap results, in large part, from…