''m curious about safe ways to establish credit. I have ambitions to run my own cafe and coffee roastery one day. Having a good credit history is going to be key. But, I hate the idea of spending money that I don't have and keeping track of interest rates. Are there any cards or plans I should look into, with this in mind? Charlie, Philadelphia, PA

It's the first time in more than three-and-a-half decades that Iran will lead the oil cartel. What does it mean for the rest of the world, and for…