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Ohio Supreme Court nixes class action suit against Rocket

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The earlier class certification for a lawsuit in Ohio over Rocket Mortgage‘s late recording fees was reversed after the Ohio Supreme Court overrode a lower court’s favorable ruling for borrowers.

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The case stems from a homeowner’s pursuit of a $250 fine from the lender, over its late recording of the release of his mortgage in 2020. While state law requires the lender to pay such late fees, the sides had argued over the case’s class action status which is complicated by a 2023 amendment to the statute. 

Lawmakers had inserted language prohibiting plaintiffs from collecting the late filing fees from lenders via a class action for violations which occurred specifically in 2020. The coronavirus pandemic affected state office operations, and Rocket that year recorded borrower Samuel Voss’ payoff in May 2020, 22 days after a 90-day deadline to do so. 

An Ohio trial court granted Voss’ motion to certify a class in February 2023, reasoning that the class action prohibition was not yet in effect. Defendants Rocket and the Mortgage Electronic Verification System appealed, and the case rose to the state’s highest court after the appeals court upheld the lower court’s ruling. 

In a 6-1 decision by the Ohio Supreme Court this week, following an oral argument last March, the justices ordered the trial court to decertify the class. They ruled the appellate court was correct in awarding Voss his $250 fee, but had incorrectly ruled on the class action as the ban should have been considered in effect.

The ruling was first reported by Bloomberg Law.

The prospective class would have covered 1,476 borrowers who received late filings from the lender between 2014 and 2020. The case briefly sat in federal court before it was remanded back to Ohio, and Rocket had also lost a motion for summary judgment against Voss. 

An attorney for Rocket deferred comment to the company which didn’t respond Friday. An attorney for Voss didn’t respond to a request for comment. 

Other lawsuits Rocket faces range from cases filed by individual defendants over issues  like repurchase agreements and alleged spam phone calls to other attempts to get larger class actions certified.

One proposed class action filed last month accuses Rocket of steering borrowers to more expensive loans, part of a recent wave of Real Estate Settlement Procedures Act suits in the broader industry. The company, which also faced similar accusations from the government before that case was dismissed, has denied the allegations. 

The Detroit giant is also accused of selling its mortgage applicants’ sensitive financial data to third parties through trackers on its website. The California consumer behind that proposed class action lawsuit has suggested the potential class could span hundreds of thousands of Rocket customers. The lender has yet to formally respond to those claims.



1 Reason I Haven’t Bought Costco Stock — and Probably Never Will

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1 Reason I Haven’t Bought Costco Stock — and Probably Never Will


Costco’s success is well known, reducing the opportunity in its stock.

Objectively speaking, I’m a huge fan of Costco Wholesale (COST 0.30%). The company offers high-quality products at low prices, and an annual membership fee that starts at $65 per year in the U.S. unlocks this value for Americans living in major metro areas.

Moreover, it has found success on four different continents, avoiding the cultural missteps that stymied peers like Walmart and Home Depot in attempted expansions outside of North America.

Despite these benefits, it is unlikely I will ever own the stock — here’s why.

Image source: Getty Images.

Why I will likely always avoid Costco stock

Valuation is the reason I will probably never buy Costco stock.

As of the time of this writing, its P/E ratio is about 54. That is higher than Walmart at 45 or Amazon, which currently sells at 28 times earnings. Although I might overlook that earnings multiple for a high-growth stock, unfortunately, that does not describe Costco.

Costco Wholesale Stock Quote

Today’s Change

(-0.30%) $-2.99

Current Price

$984.83

In the first quarter of fiscal 2026 (ended Nov. 23, 2025), its $67 billion in total revenue grew by 8%, the same growth rate it reported in fiscal 2025. Likewise, net income of $2 billion increased by 11%, just above the 10% profit growth in fiscal 2025.

Although such growth could make it one of the best retail stocks to hold over the next 10 years, that is an extremely high valuation for a stock whose profit growth barely reaches double-digit percentage rates.

Additionally, Costco stock is unlikely to sell off without either internal missteps or a broad market sell-off. Costco has executed consistently over the years, meaning it has avoided critical mistakes that have hurt its competitors.

Furthermore, if a broad market sell-off occurs, Costco will probably become somewhat cheaper, but other stocks I might buy will also likely fall in value under such circumstances.

Investors may have to wait a long time for a “low” valuation. The company’s P/E ratio has not fallen below 30 since 2019, and the last time the earnings multiple dipped below 20 was in 2010. Thus, even if a downturn occurs, Costco is unlikely to become the most attractive retail stock.

Costco is off my buy list

Due to its valuation, Costco is a high-quality stock that I am unlikely to ever buy.

Of its brick-and-mortar retail cohort, Costco is arguably the most successful when factoring in international performance. Unfortunately, its track record of success is also well understood among investors, and that has led to a situation where a moderate growth company attracts a premium valuation.

Hence, while its longest-term investors should probably stay in its stock, new investors should find other stocks trading at fairer valuations.

State Bank Bonus, Get $300 Bonus with New Checking Account (IN, OH, MI)

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State Bank Bonus, Get $300 Bonus with New Checking Account (IN, OH, MI)


State Bank $300 Bonus

Residents in parts of the Midwest have a new opportunity to pick up an easy bank bonus. State Bank (found online at yourstatebank.com) is currently offering a $300 bonus for new customers who open a checking account and set up a direct deposit. Available to residents of Indiana, Ohio, and Michigan, this offer is straightforward with no specified minimum amount for the required direct deposit. Let’s see how this bonus works, and who is eligible.

How to Earn This Bonus

Here’s how you can earn this $300 bonus:

  1. Open Your Account – Start fresh with a State Bank checking account.
  2. Set Up Direct Deposit – Send your paycheck or other direct deposit within 60 days.
  3. Get $300! – The $300 bonus will be deposited into your new account within 30 days of meeting the promotion requirements.

Are You Eligible?

Here are the eligibility details for this bonus:

  • Offer available in IN, OH, MI.
  • Not valid for business accounts or with other checking account offers. Effective 1/30/26. Subject to change without notice.
  • Offer available to individuals without an existing checking account at State Bank. 

Account Fees

  • Cash Rewards Checking has a $8 monthly fee that is waived with $500 Minimum Daily Balance or some other options
  • A $25.00 fee applies if a checking account is closed within 180 days.

Guru’s Wrap-Up

This is a relatively easy bonus as the only requirement is a direct deposit of any amount within 60 days. You can provide datapoints in the comments if you have any experience with this bank.

Cash Rewards Checking is the best option from the eligible accounts. It comes with a $8 monthly fee that is waived by maintaining a $500 balance. Also be sure to keep the account active for at least 180 days to avoid the early termination fee and secure your full profit.

Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. You can also access bonuses available in your state by clicking the article tags below, or visiting dannydealguru.com/tag/MI-bank-bonus/. Just replace MI with your state or with “nationwide”.

And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.

Use the social media buttons below to share this article. Your support and engagement is always greatly appreciated.

💡 Link & Full Details

  • OFFER PAGE
  • Max Bonus: $300
  • Account Type: Checking Account
  • Availability: IN, OH, MI
  • Type of Inquiry: Soft pull
  • Direct Deposit Requirement: any amount
  • Other Requirements: None
  • Credit Card Funding: Unknown
  • Monthly Fee: $8 (waived with $500 balance)
  • Early Account Closing Fee: $25 if closed within 180 days
  • Expiration Date: None

HT: Doctor of Credit

Share Bank Bonuses and other deals with us and our readers

Event Management Business in India? #startupbusinessess #startup #businessideas #eventmanagement

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Event Management Business in India? #startupbusinessess #startup #businessideas #eventmanagement



Start Small, Dream Big: Event Management business Simplified!

Event management is a billion-dollar industry in India, thriving on weddings, festivals, and celebrations. With minimal investment and unlimited profit potential, it’s an evergreen business. But where do you start? Should you opt for a course? Discover everything you need to know about this exciting opportunity!

#EventManagement #StartYourBusiness #WeddingPlanning #IndianEvents #Entrepreneurship #BusinessIdeas #EventIndustry #SmallBusinessIndia #FutureOfEvents #StartupTips #EventPlannerLife

source

Australia threatens countermeasures as Trump’s rapid-fire tariffs hit 15%

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Australia threatens countermeasures as Trump’s rapid-fire tariffs hit 15%

Silver Gold Bull Review: Buying Physical Gold And Silver Online

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Silver Gold Bull Review: Buying Physical Gold And Silver Online


Silver Gold Bull Logo

Quick Summary

  • Online precious metals marketplace 
  • Vast selection of gold and silver products
  • Fast shipping and transparent pricing 
  • Secure storage options 

GET STARTED

Pros

  • Vast selection of precious metals

  • Transparent pricing

  • Online marketplace makes trading easy

  • Secure storage is available 

Cons

  • Physical metals can have higher spreads

  • Physical precious metals are not as liquid as traditional securities

Silver Gold Bull is an online precious metals marketplace that allows investors to buy, sell, and store physical gold, silver, and other bullion products directly through its website. With Silver Gold Bull, you don’t invest in metals through ETFs or mining stocks, you’re buying the real thing, actual bars and coins priced at market rates. In this full review, we’ll explain how the platform works and who Silver Gold Bull is designed for. 

Table of Contents

What Is Silver Gold Bull?
What Does It Offer?
Are There Any Fees?
How Does Silver Gold Bull Compare?
How Do I Open An Account?
Is It Safe And Secure?
How Do I Contact Silver Gold Bull?
Is It Worth It?

What Is Silver Gold Bull?

Silver Gold Bull is an online precious metals dealer headquartered in Calgary, Alberta. While it’s a Canadian company, it operates online marketplaces in both the Canadian and U.S. markets. Silver Gold Bull is known for offering competitive pricing, fast shipping, and access to a large precious metals inventory. 

silver gold bull homepage

What Does It Offer?

Silver Gold Bull primarily serves investors who want to buy, sell, or store physical precious metals. It does offer additional services that make trading and storage easier.

Gold

Gold products make up a large portion of Silver Gold Bull’s inventory. Investors can purchase gold bullion coins from well-known government mints, including the Royal Canadian Mint, the United States Mint, the Perth Mint, and the Royal Mint. 

You can also buy gold bars in various sizes, from small fractional bars to larger bars for high-net-worth investors. Pricing is based on the live gold spot price plus a premium, which can vary by product type and market demand. 

Silver Gold Bull Gold Products

Silver 

Investors can also choose from an extensive selection of silver bullion, including coins and bars. Popular options include Canadian Silver Maple Leafs, American Silver Eagles, and U.S. Silver Dollars. Silver tends to attract more price-conscious investors who are looking for a lower entry point than they can get with gold. 

silver products

Other Products

In addition to gold and silver, Silver Gold Bull also sells platinum bars and coins, jewelry, collectibles, even copper rounds and bars. 

Secure Storage

If you prefer not to store your precious metals in your home or safety deposit box, Silver Gold Bull offers secure storage through world class vaults in four countries (six total locations). Pricing is typically set as an annual percentage of the metal’s value. You can choose to take delivery at a later date or sell your metal’s directly from storage. 

Trade 

Silver Gold Bull offers trading functionality that lets you purchase metals at live market pricing. The company prioritizes pricing transparency, and you can transfer money from your bank account to your Trade account. 

Sell To Us

You can sell your precious metals back to Silver Gold Bull. The buy back price is typically based on the spot price less a small spread. The spread adds an additional cost, but you could consider it the cost of convenience. 

Are There Any Fees?

Silver Gold Bull does not charge any account maintenance fees. Instead, it makes money from its product pricing. In other words, it charges a slight markup from the spot price of the metal in its retail price. 

There are annual storage fees (if applicable), and if you choose to sell your metal back to Silver Gold Bull, it will charge a small spread on the transaction. 

How Does Silver Gold Bull Compare?

Silver Gold Bull lies somewhere between two competitors: Vaulted and APMEX. Vaulted is more like a modern investing app that allows investors to purchase fractional ownership of gold and silver stored in institutional vaults. It’s a mobile-first experience with low minimum investment amounts. APMEX is one of the world’s largest precious metals dealers. It offers features such as recurring purchases and additional investment tools that are designed for experienced metal investors. 

Header
Silver Gold Bull Logo
Vaulted Logo
APMEX logo

Rating

Gold and Silver

Annual Storage Fee

Approx 1% of metal value

0.40% – 0.60%

Starts around 0.55%

Secure Shipping
Cell

OPEN AN ACCOUNT

READ THE REVIEW

READ THE REVIEW

How Do I Open An Account?

You can quickly create an account by visiting the Silver Gold Bull website. You will need to provide some basic personal information. There is no minimum deposit requirement; you can simply purchase the product when you’re ready. 

Is It Safe And Secure?

Silver Gold Bull takes several steps to ensure investor security, including insured shipping, secure packaging, and partnerships with trusted storage facilities in several countries. The company has been in business for over a decade. 

How Do I Contact Silver Gold Bull?

Silver Gold Bull posts several telephone contact numbers on its website, but the main support number is (877) 646 5303. Business hours are from 7 AM to 5 PM MT, Monday to Friday. Online orders can be placed 24/7. 

If you’re mailing a check for payment from the U.S., you can send it to the following address: 

SILVER GOLD BULL USA INC.
PO Box 675379
DALLAS, TX 75267-5379

Is It Worth It?

Silver Gold Bull is a solid option for investors who want to own physical precious metals without visiting local coin shops or private marketplaces. We like their large product selection, transparent pricing, and secure storage options.

But physical metals aren’t for everyone. They can involve wider transaction spreads and aren’t as liquid as traditional securities, such as stocks or ETFs. If you’re investing small amounts or trading frequently, there are better options.  

Check out Silver Gold Bull here >>

Reviewed by: Robert Farrington

The post Silver Gold Bull Review: Buying Physical Gold And Silver Online appeared first on The College Investor.

The 10 Fastest-Growing Freelance Jobs in 2026

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The 10 Fastest-Growing Freelance Jobs in 2026


GaudiLab / Shutterstock.com

Freelancing has existed as long as paid work, but it’s often viewed as a riskier path. Although freelancers don’t have the same protections as traditional employees, that trade-off means they have greater control, flexibility, and autonomy over their careers. More than 72 million people in the U.S. currently work independently, and that number is projected to reach 86.5 million by 2027.

NASA delays moon mission to fix rocket, rules out March launch

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NASA delays moon mission to fix rocket, rules out March launch



NASA is preparing to remove its massive moon rocket from its launchpad to fix a technical issue, delaying the agency’s much-anticipated mission to send a crew of four around the moon.

On Saturday, NASA announced that it planned to roll back the rocket, the Boeing-built Space Launch System, to its hangar at Kennedy Space Center in Florida to fix a problem found in the upper portion of the vehicle. NASA engineers found an interruption in the flow of helium — which is needed for launch — in the rocket.

NASA administrator Jared Isaacman said the work needed to fix the problem could only be done at the giant Vehicle Assembly Building hangar at KSC. He also noted that a similar helium issue had cropped up on the SLS’s first flight back in 2022.

“I understand people are disappointed by this development,” Isaacman wrote in a statement on X. “That disappointment is felt most by the team at NASA, who have been working tirelessly to prepare for this great endeavor.”

The setback comes just a day after the agency announced it was targeting a March 6 launch for the lunar mission called Artemis II, which will send people around the moon for the first time in more than 50 years. Isaacman said the launch will not take place in March now, with April being the earliest next launch opportunity.

On Thursday, NASA conducted an elaborate dress rehearsal with the rocket, where engineers filled the vehicle with propellant and simulated many of the steps that will take place on launch day. The agency had set the March launch date after that exercise seemed to go smoothly.

Join us at the Fortune Workplace Innovation Summit May 19–20, 2026, in Atlanta. The next era of workplace innovation is here—and the old playbook is being rewritten. At this exclusive, high-energy event, the world’s most innovative leaders will convene to explore how AI, humanity, and strategy converge to redefine, again, the future of work. Register now.

Trump announces new 10% global tariff

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The Supreme Court’s landmark ruling that most of Trump’s tariffs were illegal (but not levies on Canadian steel, aluminum, lumber and automobiles) was blasted by the president as “disgraceful,” while he dismissed the idea that his new tariffs would prove short-lived.

Under the 1974 Trade Act, the president is permitted to impose tariffs for up to 150 days but would require Congressional approval for an extension after that.

Trump torched that idea. “We have a right to do pretty much what we want to do,” he told reporters.

US Treasuries, which strongly influence 30-year fixed mortgage rates, ticked higher throughout the day but barely wobbled after Trump announced the new tariffs.

Some analysts believe the Supreme Court ruling could set the stage for a quicker pace of Federal Reserve rate cuts this year, although it remains to be seen whether that picture changes if Trump’s new tariff comes into play. Others, meanwhile, aren’t convinced the new tariff will last for long.

Capital One $300 Checking Bonus

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Capital One $300 Checking Bonus


Update 2/21/26: Look back period is now January 1, 2024 (was January 1, 2023). Making more people eligible. In line with the $250 bonus. Hat tip to reader VeteranChurner

Offer at a glance

  • Maximum bonus amount: $300
  • Availability: Nationwide
  • Direct deposit required: Yes, two direct deposits of $500+
  • Additional requirements: Use promo code
  • Hard/soft pull: Soft (overdraft protection no longer being offered)
  • ChexSystems: Mixed. EWS sensitive according to the comments
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: None
  • Household limit: None listed
  • Expiration date: None listed

The Offer

Direct link to offer

  • Capital One is offering a $300 bonus when you open a new checking account and complete the following requirements:
    • Use promo code OFFER300
    • Set up and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening

The Fine Print

  • Capital One reserves the right to end or change the terms of this offer at any time prior to you accepting the offer, with or without notice. Changing the terms of this offer could result in a change to any of the offer requirements such as, but not limited to, the required deposit amounts, qualified external deposit sources, the bonus amounts or expiration date. Please note that once your account is opened with a promotional code, the terms of the offer will not change without us notifying you in advance. Offers may vary.
  • If you have or had an open 360 Checking, Simply Checking, or Total Control Checking account as a primary or secondary account holder with Capital One on or after January 1, 2023, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing before you receive the bonus, you will not receive the bonus. No minimum balance is required to be maintained in order to receive this bonus.
  • Here’s the full scoop on how to earn your $300 bonus:
    1. Open a 360 Checking account on or after November 13, 2024, using promotional code OFFER300.
    2. Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening.
    3. Capital One will deposit the bonus into your account after the first two requirements listed above are completed. See below for when the bonus will be posted.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

There is no early account termination fee

Our Verdict

There was a $250 bonus, I said to wait for a bigger bonus as we saw $350 bonus last year. I think this $300 bonus is worth doing though and we will add it to our best bank account bonuses.

Useful posts regarding bank bonuses:

  • A Beginners Guide To Bank Account Bonuses
  • Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
  • PSA: Don’t Call The Bank
  • Introduction To ChexSystems
  • Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
  • What Banks & Credit Unions Do/Don’t Pull ChexSystems?
  • How To Use Our Direct Deposit Page For Bank Bonuses Page
  • Common Bank Bonus Misconceptions + Why You Should Give Them A Go
  • How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
  • Affiliate Links & Bank Bonuses – We Won’t Be Using Them
  • Complete List Of Ways To Close Bank Accounts At Each Bank
  • Banks That Allow/Don’t Allow Out Of State Checking Applications
  • Bank Bonus Posting Times
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Ohio Supreme Court nixes class action suit against Rocket

Mortgage 0
The earlier class certification for a lawsuit in...

1 Reason I Haven’t Bought Costco Stock — and Probably Never Will

Finance 0
Costco's success is well known, reducing the opportunity...

State Bank Bonus, Get $300 Bonus with New Checking Account (IN, OH, MI)

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State Bank $300 Bonus Residents in parts of the...

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Ohio Supreme Court nixes class action suit against Rocket

Mortgage 0
The earlier class certification for a lawsuit in...

1 Reason I Haven’t Bought Costco Stock — and Probably Never Will

Finance 0
Costco's success is well known, reducing the opportunity...

State Bank Bonus, Get $300 Bonus with New Checking Account (IN, OH, MI)

Credit Card 0
State Bank $300 Bonus Residents in parts of the...

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