Digital cash, just like digital car keys, has to work offline. That is, I need to be able to get into my car and drive off where there is no mobile signal and I need to be able to buy milk if the internet is down or if the power…

Don’t let the debt-ceiling fracas (or whatever doomsday scenario the media is obsessing over on any given day) distract you: this economy is better than it’s been in years—even if that hasn’t (yet) shown up in the stock market. This disconnect between what the media is preaching and the facts…

State Street’s stock (NYSE: STT) has lost 7% YTD, as compared to the 11% rise in the S&P500 over the same period. Further, the stock is currently trading at $72 per share, which is 15% below its fair value of $85 – Trefis’ estimate for State Street’s valuation. The custody…

There is a 68.2% chance of a U.S. recession sometime in the next 12 months, according to the New York Fed probability indicator. Pessimistic entrepreneurs will often point to a recession as a bad time to own a business. Instead, consider these three reasons to start your side hustle with…

The self-employed and those who run private practices must manage a whole myriad of concerns, which regular employees do not. But there are ways that the self-employed benefit from the status, and there’s no better example of that than with retirement plan options. It’s a tool, however, that those that…

Most people are looking through the rearview mirror when it comes to taxes. They file their taxes once a year, recording what has already happened. Proactive tax planning is like looking through the windshield, looking ahead to avoid pitfalls that could cost you more in taxes. The more successful your…

While banks and stocks generally had a week of robust gains, the rally was trimmed on Friday when negotiations over raising the debt ceiling broke down. The U.S. banking system has been under pressure since the sudden collapse and seizure of Silicon Valley Bank (SIVBQ) by the FDIC on March…

Despite a lack of affordable housing, many American cities have seen a paradoxical proliferation of new luxury condos. The reason behind this comes down to scarcity. Because cities limit the amount of housing that can be built, developers focus on attracting the wealthiest occupants instead of catering to everyone. Consider…

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. Based…

The Education Department is “preparing to restart” federal student loan debt repayments after a three-year pause now that the COVID-19 pandemic emergency has ended, Secretary Miguel Cardona told lawmakers this week. Cardona revealed the administration’s intentions at a Senate Appropriations Committee hearing on Thursday, when Sen. Katie Britt, R-Ala., asked…