If you expect fabulous returns to continue, you’re likely to be disappointed. Look closely at the data and you’ll see why. By William Baldwin, Senior Contributor Emerging market stocks will beat U.S. stocks. Junk bonds will beat high-grade bonds. Inflation will be 2.5%. Prognostications from the market seers. Big financial…

Remote work flourishing in the early days of the pandemic removed boundaries for many workers, driving people to move to lower-cost cities.  Charlotte, Providence and Indianapolis are among some of the cities that saw the highest number of people moving in, according to a Zillow study.Unaffordable housing was the main…

The U.S. Department of Education is stepping in to help colleges process forms faster after the fix to the new Free Application for Federal Student Aid (FAFSA) form threatened to delay the timeline for awards. More than 4 million FAFSA applications have been submitted since the new form was launched on Dec.…

My mother, 87, has minimal savings, and has $425,000 left on her mortgage.Her monthly payment is $3,300 and the home is valued between $800,000 and $1.1 million. But her Social Security payment is only $3,000 a month. I am supporting her right now. I have five siblings, but only one…

At the heels of rising inflation, consumers drastically changed their spending habits in 2023 to cut back and save money each month. Non-essential retail purchases were the first things to go, with 60% of consumers avoiding retail spending last year, a PYMNTS study revealed. When consumers did decide to buy…

Gift tax returns could be the most misunderstood, neglected, and overlooked part of estate planning. There are many people who know estate planning quite well but draw blanks when issues about gift tax returns are raised. The gift tax return is IRS Form 709. You can download it free from…

Home prices edged toward a more affordable place in November, ending the upward trend after many months, according to the latest S&P CoreLogic Case-Shiller Indices report. The report is a measure of U.S. home prices across major metro areas. Across the country,12 out of 20 markets saw a month-over-month decrease…

Low-income people who need help paying rent or securing temporary housing will get additional government aid under a new initiative to tackle the country’s record homelessness, the Biden administration said Friday. The initiative seeks to address homelessness by expanding what is covered under Medicaid in certain states. Eight states and…

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…

What’s the most you can receive from Social Security? The answer is…it depends on your age, your work history, your marital status, and your retirement decisions. Let’s start with answering the immediate questions about the maximum Social Security benefits payable in 2024, then we’ll explore how you can maximize your…