As a general rule, when it comes to savings plans, the earlier you start the better.  This holds true for things like buying a home, paying for a wedding and more long-term plans like saving for retirement. It’s also true when it comes to saving for your children. While it…

Navigating the insurance landscape following a cancer diagnosis presents a unique set of challenges and concerns. Patients and their families often find themselves at a crossroads, dealing with the emotional and physical toll of the illness while also having to make critical decisions about insurance coverage. Obtaining insurance is still…

The approaching holidays present a golden opportunity to help you gain valuable insights that will help you better plan your retirement. And it’s a win-win—you can also engage with relatives and friends whom you might not know very well and avoid those awkward silences. The ice breaker: Ask them thought-provoking…

Trusts are common, but there are numerous variations, and there is still considerable confusion about what is legal and what is not. There are at least two primary types. One type is a common to estate planning, and probably just about everyone should have one. You don’t want to die…

Dow Jones Industrials are in rally mode with a straight up look since the lows of late October, but there’s no “new high” like the Nasdaq 100. Among the 30 large capitalization stocks that make up the Dow, there are 4 names that have been a real drag on the…

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…

Mortgage rates fell for the third week in a row on the back of early signs that inflation is slowing. The 30-year fixed-rate mortgage averaged 7.44% as of Nov. 16, according to data released by Freddie Mac FMCC on Thursday.  That’s down 6 basis points from the previous week. One…

In just a relatively short 25 years, the limited liability company (LLC) has become the entity-of-choice for nearly all purposes, with the almost singular significant exception of publicly-traded companies. The more popular the LLC has become, the more likely that a debtor who commences a case in bankruptcy will hold…

Real family gatherings might not look like a gauzy image on a greeting card. Let’s face it: there is conflict in lots of families, ramped up when they gather. Can you do anything about that tightness in your belly at the thought of who’s coming for dinner? We think so,…

For 40 years, PNC has calculated the prices of the 12 gifts from the classic holiday song, “The Twelve Days of Christmas.” This year, increases in the annual Christmas Price Index® (PNC CPI) are primarily driven by labor costs, mirroring the U.S. economy. CPI The PNC CPI is a light-hearted…