nearly half of americans own a smartphone the category of phone that iphones fall under and tablet usage is posed to potentially mobile banking apple customers hungry for ibank even if youve been through difficult credit problems its important to establish current positive credit references that can boost your credit scores over time the bad stuff is off my credit reports so why didnt my scores go up in remarkable shift from even a decade ago the majority of working wives will outearn their husbands in the next generation income gap closing women on pace to outearn men among the many reasons why weve got the most dysfunctional retirement systems in the advanced world is the fact that our upwardly mobile workforce is punished for being upwardly mobile 20 years on the job and no retirement savings to show for it