Personal Finance

Proponents of the three-fund or lazy portfolio say you don’t. Investing doesn’t have to be complicated, according to Taylor Larimore, author of several books on investing. Simpler really is better. A three-fund portfolio uses basic asset classes via three “total market” index funds: usually bonds, domestic stocks and international stocks. One caveat: As you start
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Depending on where they lived, consumers had to shell out anywhere from $3 to $10 per freeze and then another fee to lift the freeze. “Paying a fee for freezes added insult to injury because the person doing it probably had been victimized,” said John Heath, directing attorney at Lexington Law in Salt Lake City.
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Wealthier people have access to resources that can help manage credit issues, such financial planners, said Bob Annibale, global director of Citi Community Development and Inclusive Finance. Poor credit leaves people behind: “It’s not part of an inclusive, growing society,” Annibale said. “People need a financial identity.” “If you don’t have a credit card you’re
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When a company’s culture is healthy, these conversations should happen easily, Moravek says. But even in an unhealthy culture and with a difficult, poorly trained supervisor, it’s worth trying to develop the relationship. After a difficult moment at work, Moravek recommends taking these steps. Take a deep breath and remind yourself this is not personal.
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All are surmountable, the Statons say. It’s easier than ever to stay in touch with technology and apps such as FaceTime, Facebook Messenger, Skype and WhatsApp. Don’t sweat learning another language. “In many countries with established expat communities, English is so widely spoken that learning another language is optional,” Staton said. When you choose another
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