The U.S. economy, not about to collapse, is also far from stable, strong, and worry-free, as various indicators and signs have shown. Now it’s time to add another. Moody’s Investors Service, while currently maintaining the top credit rating of the country, has changed its outlook to negative. Moody’s is the last of the major credit rating agencies to keep the U.S. at its highest possible position. Previous Downgrades The first time the U.S. got a rating below AAA (or other variations like Aaa) was in August 2011. Standard & Poor’s downgraded the U.S. to AA+ after having put the country…

When you rent a car, you will be asked if you want to buy optional insurance called a collision damage waiver (CDW). This insurance covers rental car repair bills if there’s an accident or if the car is stolen. It can be a pricey add-on, but it may be worth buying, depending on your own car insurance and credit card coverage. When Should You Buy a Collision Damage Waiver? A CDW can be a wise purchase if you don’t have: Your own car insurance that extends to rentals. A credit card with rental car coverage that you used to pay…

Outside of the most coveted domain names, your domain name is usually one of the lowest costs of being online. However, how to get a free domain name is always one of the first questions new website owners ask. Yes, free domain names are available, but they aren’t always the best choice for your business. Even though dot TK and Freenom no longer work, there are still legitimate ways to get free domain names. We’ve also got the scoop on how to get discounts on paid domain names and what to watch out for when shopping for a domain. Real…

Now is a great time to launch a limited liability company (LLC) in Tennessee. In 2021, the state saw an enormous surge in new business formations, reportedly the largest to date. Between January and March alone, nearly 20,000 companies and corporations debuted. Government financial aid may have helped more people than ever decide to launch new business ventures. Were you thinking of starting a Tennessee LLC? If so, here’s a helpful guide to take you from start to finish. Before Starting an LLC in Tennessee In the early stages of forming your limited liability company, there are a few crucial…

Last week, in a widely expected move, President Donald Trump signed an executive order to close the U.S. Department of Education. After the White House provided assurances that the federal student loan system would remain with the department pending congressional action (which would likely be required to formally shut it down), Trump announced that he would be transferring federal student loans, and the administering of all associated repayment and loan forgiveness programs, to the Small Business Administration. The announcement that student loans would be transferred to the SBA baffled many observers, as the relatively small agency has no experience managing…

The non-partisan Congressional Budget Office keeps periodic tabs on the U.S. economy to see how fiscal reality is changing and how to make decisions now to improve the future. That assumes good intentions, transparent action, and a willingness to make tough decisions. The “too long; didn’t read” summary is that even under the most optimistic choices, as the Peter G. Peterson Foundation — or PGPF, a non-profit focusing on the “key fiscal challenges threatening America’s future” — puts it, the national debt increasingly grows. The CBO’s Scenario Models The CBO looked at current federal finances and then looked at its…

I n 2025, AI-powered tools aren’t just for big companies—they’re helping everyday people manage money, invest smarter, and scale their businesses with less effort. For entrepreneurs, AI can handle tasks like marketing, customer service, invoicing, and even contract management, freeing up time to focus on growth. When it comes to personal finance, AI-driven investing platforms can optimize portfolios, automate trades, and provide real-time insights to help people make smarter financial decisions. Whether you’re starting a side hustle, launching a business, looking to save more, or trying to build long-term wealth, AI is giving people more opportunities to take control of…

The Trump Administration is abolishing the office that manages and coordinates most federal programs for older adults and younger people with disabilities who live at home. At the same time, it is restructuring two offices that provide independent evaluation and analysis of patient safety and long-term care. The elimination of the Administration for Community Living (ACL) will be a major blow to older adults and people with disabilities. It manages most federal supports, other than Medicaid and subsidized housing, for older adults living in non-institutional settings. A Broader Assault “This is part of a bigger assault on older adults,” says…

Digital transformation has become vital for businesses to stay competitive in our ever-changing world. Innovative entrepreneurs like Lucas Diaz of Ludia Consulting, Jacqueline Shorter-Beauchamp of Engaged Media Studios, and Dexter Hardy of Ntegral, are utilizing advanced technologies to create solutions for complex business challenges. Their innovations are reshaping industries with decentralized systems, better decision-making capabilities, and uninterrupted physical-digital integration that OECD found could generate 24 million new jobs by 2030. The Breakdown You Need To Know: Businesses must understand and adapt to new environments where digital transformation keeps changing product markets, business dynamics, and economic growth in all sectors. Specifically,…

9 Million Student Loan Borrowers Are Delinquent On Student Loans After a historic pause in payments, student loan borrowers face a harsh reality check. A new Federal Reserve Bank of New York study estimates that roughly 9.2 million Americans have fallen behind on their student loan bills since repayments have resumed​. This wave of delinquency – affecting about 43% of those required to make payments – marks a dramatic uptick that experts warn could surpass pre-pandemic levels. With more than $250 billion in student debt now delinquent, the fallout may only be beginning to unfold. Student Loan Delinquencies Surge Post-Pandemic…