There is a right and wrong age when it comes to filing for Social Security benefits. The key to determining the right age for you is accurately analyzing your situation, understanding all your claiming options, and deciding which strategy is the best for you in relation to your overall financial…

Most millennials, desperate to get on the housing ladder, would consider accepting a mortgage rate that’s higher than the national average of below 7%, a recent survey said. The post-pandemic housing market has been defined by runaway mortgage rates and surging home prices, according to the Real Estate Witch survey. Yet, 78%…

Some student loan borrowers who have been making payments for over a decade under income-driven repayment and forgiveness programs have yet to see the forgiveness they were promised. To correct this, the Biden administration is providing that forgiveness, and, as an added bonus, some borrowers are also receiving refunds for…

If you are going to be spending money anyway, you might as well earn some points when you swipe.  There are several different types of rewards credit cards you can apply for. When thinking about the best one for you, look into your spending habits and pinpoint where the majority…

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. Borrowers…

Delta Air Lines, a major global airline based in Atlanta, Georgia, offers the SkyMiles® loyalty program. Through SkyMiles, members accumulate points with each flight and co-branded credit card purchases, which are redeemable for travel, in-flight amenities, seat upgrades and more. According to the airline’s website, Delta operates hubs at eight…

John Bogle once said index funds would never compromise more than half of the total mutual fund market. That was years ago. Morningstar MORN recently reported the total value of passively managed funds has surpassed actively managed mutual fund assets. Some are expecting index funds to top 70% of total…

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…

More student loan forgiveness is here, this time for 78,000 public service workers. Nurses, teachers, firefighters and a large array of other workers qualify for President Biden’s $6 billion in forgiveness, the White House recently announced.  Due to fixes to the Public Service Loan Forgiveness (PSLF) program, workers that never…

Many workers are living paycheck-to-paycheck, with about one in three citing debt as one of the main reasons why, according to a PYMNTS study. As of December, 60% of survey respondents reported living paycheck-to-paycheck. This is down slightly from 2022 when 64% of respondents lived paycheck-to-paycheck.Certain income brackets saw different…