In the last three years, the banking and fintech sectors have undergone significant, foundational changes, profoundly impacting U.S. small businesses. Much of the talk around fintech and bank partnerships highlights the Banking-as-a-Service model, however, there is enormous opportunity for banks and fintechs to work together to optimize a bank’s existing…

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…

Recent consumer research found that 45% of consumers with credit cards carry balances month over month. While we know that high interest rates can negatively impact wealth for these consumers, the holidays are a time where I see learners from my financial education program rack up more debt than they…

There are few things I love more than sitting down with a bunch of other smart, intentional people and swapping thoughts on how we can do even better at this crazy thing called life. I recently had the pleasure of trading ideas (and a few gibes) with Stacking Benjamins Joe…

Introduction They say that art is in the eye of the beholder. It might be more accurate to say that art, at least when it comes to its value, is in the eye of the Internal Revenue Service (“IRS”). Cognizant of transactions supposedly involving charitable art donations and inflated appraisals,…

A crucial aspect of comparing job opportunities is assessing the compensation and benefits package. Let’s delve into key elements of job offers, including base salary, bonus structures, incentive compensation, health benefits, insurance benefits, retirement benefits, state tax rates, and the cost of living. By understanding the nuances of these components,…

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…

Thanksgiving can be a stressful time for many, especially for those stuck in the kitchen for hours preparing turkey and numerous side dishes for their loved ones. And time is money. So one option that may fit the bill this year:Skip cooking altogether, and order a classic ready-made Thanksgiving meal…

OBSERVATIONS FROM THE FINTECH SNARK TANK How much more money would you need to make you “happy”? That’s the question financial services firm Empower put to Americans in a recent survey which revealed: Financial happiness means different things to different people. Two-thirds of respondents associated on-time bill payment and being…

The SECURE Act 2.0, enacted in late 2022, changed more than 90 rules about IRAs and other qualified retirement plans. The changes are phased in over several years. Here are some key changes that take effect in 2024 or took effect in 2023. For the first time, excess funds in…