Shehbaz

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"Shehbaz is the founder and writer behind Times of Pulses. A commerce student with hands-on experience working in finance and accounting, he breaks down complex personal finance topics — from student loans to Fed rate decisions — into simple, practical advice for everyday readers."
Credit Repair

This guide shows you exactly how to build credit with no credit history in 2026, starting with tools that cost almost nothing.

This guide shows you exactly how to build credit with no credit history in 2026, starting with tools that cost almost nothing. If you've never...
Personal Finance

America’s “K-Shaped” Economy Is Real — Here’s What the New Credit Card Data Proves

America's "K-Shaped" Economy Is Real — Here's What the New Credit Card Data Proves Some households are thriving right now. Others are falling apart financially....
Investing & Wealth Management

Oil Prices Hormuz Deadlock: Why Crude Keeps Swinging as the Iran Deal Stalls

Oil Prices Hormuz Deadlock: Why Crude Keeps Swinging as the Iran Deal Stalls If you feel like oil prices have been doing the opposite of...
Personal Finance

Grocery Prices Are Americans’ Top Financial Worry — Here’s What the New Survey 2026 Actually Found

Grocery Prices Are Americans' Top Financial Worry — Here's What the New Survey 2026 Actually Found Forget housing, gas, or healthcare — when Americans are...
Personal Finance

“Moneymaxxing” Is Everywhere on Social Media Right Now — Here’s What It Actually Means

"Moneymaxxing" Is Everywhere on Social Media Right Now — Here's What It Actually Means If you've scrolled social media lately, you've probably seen "maxxing" attached...
Credit Repair

27 Million Americans Can Only Afford Their Credit Card Minimum Payment — Here’s Why That’s a Trap

27 Million Americans Can Only Afford Their Credit Card Minimum Payment — Here's Why That's a Trap Here's a number worth sitting with: more than...
Personal Finance

Could You Cover a $2000 Emergency Right Now? 1 in 4 Americans Say They Can’t

Could You Cover a $2000 Emergency Right Now? 1 in 4 Americans Say They Can't Here's an uncomfortable question worth asking yourself honestly: if your...
Personal Finance

How to Build an Emergency Fund When You’re Living Paycheck to Paycheck (Even $10 a Week Works)

How to Build an Emergency Fund When You're Living Paycheck to Paycheck (Even $10 a Week Works) Learning how to build an emergency fund can...
Market News

Stock Market Rally Today: Stocks Near Record Highs, Gold Tops $4,000, and the AI Trade Is Suddenly Back On

Stock Market Rally Today: Stocks Near Record Highs, Gold Tops $4,000, and the AI Trade Is Suddenly Back On The stock market rally today is...
Personal Finance

Trumps Retirement Plan Could Force Your Employer to Save for You

Trumps Retirement Plan Could Force Your Employer to Save for You What if saving for retirement wasn't optional for your employer anymore? That's essentially the...
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Market News

Stocks Fall Third Straight Session 2026: What Happens Now, and How Bad Could This Get?

Stocks Fall Third Straight Session 2026: What Happens Now, and How Bad Could This Get? Wall Street just booked its third consecutive losing day, and...
Personal Finance

Brent Crude 100 a Barrel: Oil Just Crossed a Line It Hasn’t Touched Since July

Brent Crude 100 a Barrel: Oil Just Crossed a Line It Hasn't Touched Since July Oil just crossed a psychological line that traders have been...
Credit Repair

Credit Utilization 2026: The Timing Trick That Controls Your Score in One Billing Cycle

Credit Utilization 2026: The Timing Trick That Controls Your Score in One Billing Cycle If you're trying to get real credit control over your finances,...
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