Mom’s Maiden Name? The Right Way to Answer Security Questions and More Online Safety Advice
After Yahoo’s record-setting security breach, it’s time to get smarter about account logins By
Nathan Olivarez-Giles 12/15/16, The Wall Street Journal. Anyone can guess the answers to typical security questions.
What to do instead: "You can spell the answer backward. You can write the answer in a
different language. You can write the answer in the form of a question.
Consider adding symbols (such as a #, $ or % character) or a capital
letter at the beginning and end of answers, or in place of spaces." Sachin Kansal, computer security expert.
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Every investment product has some sort of investment management cost associated with it – even so-called “no load” mutual funds inside retirement plans. These management fees vary widely and can range from a few basis points (fractions of a percent) to nearly 2 percent per year. This management fee is deducted from your account’s return every year. You don’t see it, but you do pay it by a reduction in return.
ReplyDeleteWhen Trilogy Wealth Advisors manages money for a fee based on the asset value, we use low-cost index funds called Exchange Traded Funds or ETFs. These are very low cost index funds that have internal management fees ranging from as low as 0.09% to 0.60%. The average cost is about 0.30%. When we add our fee for managing qualified retirement plan money, the total cost is often very competitive when compared to the rate currently paid inside a typical 401k plan.
We feel that the value of our full financial planning and investment advice is a valuable and worthwhile option – especially when you can get it for a price similar to what you now pay to self-direct your 401k. Why not get professional help with the investment that, next to your home, is probably the largest financial asset you own?
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