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The younger companies are, the more jobs they create, irrespective of their size. That’s the conclusion of a recent study published by the National Bureau of Economic Research. The study, Who Creates Jobs? Small vs. Large vs. Young, concludes that start-up firms generate the surge of jobs that earlier research attributed to small companies.

Errors on one’s credit report can create problems when it comes time to apply for financing. Yet, 27.06% of those surveyed checked their credit report or credit score less than once a year, according to a September 2015 survey of 1,611 people conducted by Qualtrics and The survey also found that 23.59% of respondents did not know if there was an error on their credit report.

Roth 401(k) contributions have become more widely available and are currently permitted in 62% of retirement plans, according to the 58th Annual Survey of Profit Sharing and 401(k) Plans conducted by the Plan Sponsor Council of America.

Can personal biases have an impact on the amount people actually save for retirement? A recent study says “yes.” Economists from Stanford University, the University of Minnesota, the London School of Economics, and Claremont Graduate University have identified two biases as obstacles to saving for retirement. The first is a tendency to procrastinate regarding decisions that may benefit an individual in the long run but also involve short-term costs, such as saving for retirement. The second bias is the failure to perceive the power of compounding investment returns and how this builds wealth over time.

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