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Sutthichai Supapornpasupad | Moment | Getty ImagesAs consumers contend with higher auto payments, new data from car website Edmunds suggests they may be falling into a cycle of negative equity — where their outstanding auto loan balances are higher than the value of their cars.In the fourth quarter of 2025, 29.3% of trade-ins toward new car purchases were “underwater,” or had negative equity, according to Edmunds. That is the highest share since the first quarter of 2021, when 31.9% of trade-ins had negative equity, according to the data.The average amount owed on trade-ins with negative equity rose to $7,214 —…

Aayush Jindal, a luminary in the world of financial markets, whose expertise spans over 15 illustrious years in the realms of Forex and cryptocurrency trading. Renowned for his unparalleled proficiency in providing technical analysis, Aayush is a trusted advisor and senior market expert to investors worldwide, guiding them through the intricate landscapes of modern finance with his keen insights and astute chart analysis. From a young age, Aayush exhibited a natural aptitude for deciphering complex systems and unraveling patterns. Fueled by an insatiable curiosity for understanding market dynamics, he embarked on a journey that would lead him to become one…

Glorya Kaufman Hall at UCLA on Wednesday, Nov. 19, 2025 in Westwood, CA. Myung J. Chun | Los Angeles Times | Getty ImagesMore than 800,000 federal student loan holders remain stuck in a backlog of applications for an affordable repayment plan or debt forgiveness, a new court filing shows. As of the end of December, 734,221 borrower requests to transfer into an income-driven repayment plan were still pending with the U.S. Department of Education, the agency reported. Another 83,370 borrowers continued to wait for a decision on their Public Service Loan Forgiveness Buyback application. IDR plans limit a borrower’s monthly bill to…

Bitcoin is pushing above the $95,000 level as selling pressure across the market continues to ease, offering a renewed sense of short-term stability after weeks of choppy consolidation. Following a volatile end to last year, price action has gradually improved, with buyers regaining control and forcing Bitcoin back into a range that had previously acted as resistance. While skepticism remains high and many analysts continue to warn of a broader corrective phase, recent derivatives and positioning data suggest that market behavior may be shifting beneath the surface. Related Reading According to an analysis shared by Axel Adler, Bitcoin’s Positioning Index…

Aayush Jindal, a luminary in the world of financial markets, whose expertise spans over 15 illustrious years in the realms of Forex and cryptocurrency trading. Renowned for his unparalleled proficiency in providing technical analysis, Aayush is a trusted advisor and senior market expert to investors worldwide, guiding them through the intricate landscapes of modern finance with his keen insights and astute chart analysis. From a young age, Aayush exhibited a natural aptitude for deciphering complex systems and unraveling patterns. Fueled by an insatiable curiosity for understanding market dynamics, he embarked on a journey that would lead him to become one…

Tom Werner | Stone | Getty ImagesThe list of states that have launched retirement programs for private-sector workers continues to grow.This year, Minnesota and Hawaii will become the 17th and 18th states to provide a way for workers without access to a 401(k) or other workplace plan to save for retirement through their job. Minnesota’s program opened Jan. 1 and will begin enrolling workers Jan. 19, and Hawaii plans to launch its version later this year. In general, these state-run options require all but the smallest employers to either offer their own retirement plan or facilitate worker enrollment in their…

Standard Chartered has pushed its base-case price target for Ethereum to $7,500 by the end of the year, a big jump from an earlier $4,000 projection. Related Reading According to the bank’s digital assets team, growing demand from corporate treasury buyers and spot ETH products has driven the change in outlook. Bank Raises Ethereum Target The bank’s lead analyst expects fee growth on the Ethereum network and stronger institutional adoption to be key drivers for the move higher. The bank also revised its longer-term numbers, lifting its 2028 target to $25,000 and laying out scenarios that push toward $40,000 by…

Keshav is currently a senior writer at NewsBTC and has been attached to the website since June 14, 2021. Keshav has been writing for many years, first as a hobbyist and later as a freelancer. He has experience working in a variety of niches, even fiction at one point, but the cryptocurrency industry has been the longest he has been attached to. In terms of official educational qualifications, Keshav holds a bachelor’s degree in Physics from one of the premier institutes of India, the University of Delhi (DU). He started the degree with an aim of eventually making a career…

Despite its slow momentum over the past few weeks, XRP is still on analysts’ radar as they look beyond its dollar price action and into its performance against gold. One analyst has said that the long-term XRP/Gold ratio has just reached a historical support zone, signaling a familiar technical setup that could determine its next move. XRP/Gold Ratio Arrives At Critical Support Level Market expert ‘Steph is Crypto’ has released a fresh analysis focusing on the XRP to gold ratio and its historical behaviour. In his post on X this Tuesday, he stated that the ratio has returned to a…

Bitcoin’s derivatives market is showing signs of a reset after a speculative 2025, with Binance open interest falling more than 31% from an October peak as futures-led selling pressure cools, a combination CryptoQuant contributor Darkfost argues often coincides with meaningful cycle lows. In a series of posts on X, Darkfost said 2025’s leverage build-up was fueled by record activity on Binance, where futures trading volumes “exceeded $25T,” helping push Bitcoin open interest (OI) to an all-time high “of over $15B on October 6.” “To put this into perspective, during the previous bull cycle in November 2021, when Bitcoin hit its…