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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When it comes to credit, Americans are scoring well. For the first time, the average national credit score has reached 704, according to FICO, developer of one of the most commonly used scores by lenders. FICO scores range from 300 to 850. Your credit score plays a big role in daily life. It can determine
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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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