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. During…

You probably find lots of junk mail in your mailbox. But, if you are one of the 50 million beneficiaries with Part D prescription drug coverage, either through a stand-alone Part D drug plan or incorporated into a Medicare Advantage plan, pay attention now. Buried in that stack of mail…

It’s an issue for some adult children with aging parents. When the elders need care, there is resistance to using the parent’s own funds to cover the cost of caregiving. It’s puzzling. For example, faithful son (FS) has been taking care of his mom by himself for 25 years. He…

CTA and Estate Plans and Trusts The Corporate Transparency Act (“CTA”) is a mandate that requires most smaller closely held business entities to file a rather invasive report with the Financial Crimes Enforcement Network of the Treasury Department. The CTA has been written about extensively, but it seems that most…

Forbes screened more than 800 U.S. locales for everything from climate risk to crime to doctor availability. Those that made the cut were compared on leisure offerings—from the arts, fine dining and learning to hiking, skiing, watersports and golf. Here are the top 25. By William P. Barrett, Senior Contributor…

Not too long ago, one of my teammates and I talked about watching Alone, a series that follows ten experienced contestants as they attempt to outlast each other in a wilderness environment, foraging, hunting, fishing, building shelters, and relying on their survival skills. Each participant has to film themselves, and…

It’s that time of year when many of those who have Part D prescription drug coverage experience sticker shock. Here is a sample of what’s happening with my clients. Can this be right? The $141 copay for my expensive eye drops just shot up to $520 and the costs for…

Mortgage rates fell this week to the lowest levels in over a year and a half, but elevated rates and high home prices are still keeping would-be buyers and sellers out of the housing market. Freddie Mac’s latest Primary Mortgage Market Survey, released Thursday, showed that the average rate on…

The U.S. Bureau of Labor Statistics reported that the consumer price index (CPI) increased by 0.2% on a seasonally adjusted basis in August after rising the same level in July—over the last 12 months, the all items index increased 2.5% before seasonal adjustment. You won’t just feel the impact of…

The bigger your retirement account withdrawals, the higher your tax bracket will be in retirement. The good news is that you may owe fewer taxes in retirement than when you were in the workforce. There are no Social Security payroll deductions from your retirement account withdrawals. Everyone should have a…