Federal Reserve Chair Jerome Powell, who has been a target of the Trump administration, is showing a sign of unity with another central-bank member.

“I think my withdrawals from my 401(k) and IRA may need to be larger than my current take-home pay.”

The U.S. stock market has pushed higher this year despite angst over the Federal Reserve’s independence and heightened tensions around U.S. foreign policy.

The Monday holiday commemorates the birth of civil rights leader Martin Luther King Jr.

Investors know bull markets end, of course. But even the global leaders descending on Davos may underestimate the dangers.

In the meantime, here’s how to claim the $20 credit Verizon is offering in response to this week’s service disruption.

Winning companies will be able to pass a stress test for sustainability, regulatory compliance and financial strength.

Also: A warning about gold, a hot tech subsector and an investor’s change of heart about Elon Musk.

It’s a major shift from where rates were a year ago: Last January, the 30-year rate averaged 7.04%.

Homeownership, marriage and parenthood are highly valued goals — and a tall order in today’s economy.