January 2014

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Asset Allocation: An Introduction

Asset allocation refers to the practice of an investment portfolio divided among different asset categories—one of Jason Hartman’s favorite things to talk about! These categories vary greatly, but three of the most common are cash, bonds, and stocks. Cash (and cash equivalents) are usually savings,...

When You Should Pay for Credit Monitoring

Most companies that monitor credit rating charge between $15 and $20 per month, which can really add up if you’re just starting out. Their appeal is in the service they advertise—preventing credit fraud and identity theft seems like a great idea, certainly worth $200. Right?...

The First Time Buyer's Guide to Getting a Mortgage

As the economy has changed, you may have noticed that it is more and more difficult to acquire any sort of credit, be it credit card, overdraft protection, or even a loan. Mortgage lending is no exception, and is even more unattainable, requiring excellent credit...

Understanding Your Credit Score

They’re everywhere you look—credit card applications making promises of reduced prices, extra points, and savings galore. While responsible credit management is a good idea (just ask Jason Hartman), credit cards are often confusing. More, your credit score can be confusing, which often prevents people from...