Why student loans are better than credit cards

Written by Vanessa McHooley


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-Pay your balance each month to avoid interest charges -Pay your bill on time to avoid late charges -Avoid cash advances, which come with large finance charges and interest that begins accruing immediately.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education isrepparttar best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more on how Student loans are better than credit cards at http://www.NextStudent.com .

My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.


Best No Load Mutual Funds: The Right Way to Look at Fees and Expenses

Written by Sam Subramanian


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Fidelity Spartan Total Market Index Fund (Nasdaq: FSTMX), for example, followsrepparttar practice of returning short-term trading fees collected on shares held less than 90 days torepparttar 112058 mutual fund itself rather than passing onrepparttar 112059 benefit torepparttar 112060 mutual fund company. By having this short-term trading fee structure, this no load mutual fund seeks to contain its operating expenses. Such fees are therefore aligned withrepparttar 112061 interests of long-term shareholders of this mutual fund.

Passing on Savings from Scale Economies. The operating expenses incurred by a mutual fund are a combination of fixed and variable costs. Asrepparttar 112062 assets of a mutual fund increase,repparttar 112063 fixed cost gets spread over a larger asset base. Therefore,repparttar 112064 expenses incurred to operaterepparttar 112065 mutual fund as a percentage ofrepparttar 112066 fund’s assets should trend lower.

A mutual fund that placesrepparttar 112067 interest of shareholders first must pass onrepparttar 112068 savings from scale economies to shareholders. The trend in a mutual fund’s expense ratio therefore serves as a metric of how seriously a fund takes its fiduciary responsibility.

Key Points.

• If you are searching forrepparttar 112069 best no load index mutual fund, shopping for one with low fees and expenses makes perfect sense. • If active management of investments appeals to you, fees and expenses are just one of several important factors to consider. The ability and investing style ofrepparttar 112070 portfolio manager are at least just as important as fees. • The types of fees a mutual fund charges and howrepparttar 112071 fund usesrepparttar 112072 fees provides clues as to how seriously a mutual fund takes its fiduciary responsibility. Mutual funds that impose fees to contain operating expenses and return fees torepparttar 112073 mutual fund help protectrepparttar 112074 interests of long-term shareholders. • Mutual funds that putrepparttar 112075 shareholders’ interests first typically pass on savings from scale economies torepparttar 112076 shareholders.

Notes: This report is for information purposes only. Nothing herein should be construed as an offer to buy or sell securities or to give individual investment advice. This report does not have regard torepparttar 112077 specific investment objectives, financial situation, and particular needs of any specific person who may receive this report. The information contained in this report is obtained from various sources believed to be accurate and is provided without warranties of any kind. AlphaProfit Investments, LLC does not represent that this information, including any third party information, is accurate or complete and it should not be relied upon as such. AlphaProfit Investments, LLC is not responsible for any errors or omissions herein. Opinions expressed herein reflectrepparttar 112078 opinion of AlphaProfit Investments, LLC and are subject to change without notice. AlphaProfit Investments, LLC disclaims any liability for any direct or incidental loss incurred by applying any ofrepparttar 112079 information in this report. The third-party trademarks or service marks appearing within this report arerepparttar 112080 property of their respective owners. All other trademarks appearing herein arerepparttar 112081 property of AlphaProfit Investments, LLC. Owners and employees of AlphaProfit Investments, LLC for their own accounts invest inrepparttar 112082 Fidelity Mutual Funds included inrepparttar 112083 AlphaProfit Core and Focus model portfolios. AlphaProfit Investments, LLC neither is associated with nor receives any compensation from Fidelity Investments or other mutual fund companies mentioned in this report. Past performance is neither an indication of nor a guarantee for future results. No part of this document may be reproduced in any manner without written permission of AlphaProfit Investments, LLC. Copyright © 2005 AlphaProfit Investments, LLC. All rights reserved.

Sam Subramanian, PhD, MBA is Managing Principal of AlphaProfit Investments, LLC. He edits the AlphaProfit Sector Investors' Newsletter™. For the 5 year period ending December 31, 2004, during which the Dow Jones Wilshire 5000 Total Market Index declined 6.9%, the AlphaProfit model portfolios increased by up to 186.2%. To learn more about AlphaProfit and to subscribe to the FREE newsletter, visit http://www.alphaprofit.com .


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