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Firm welcomes new HR Director Kelly Newberg Friday, Eldredge & Clark, LLP is pleased to announce the recent hire of Kelly Newberg, PHR, SHRM-SCP, who joins the firm as the Director of Human Resources. Her primary responsibility will be focused on recruiting top talent to the firm, which employs more than 170 attorneys and support staff. She will be hands-on in organizational and staff development, policy direction, recruiting and onboarding. Kelly Newberg
Leasing • Management Brokerage • Consulting Specialists in the business of helping businesses with their places of business
Jeff Yates 501.352.3325 Jeff@ARKcire.com www.ARKcire.com
Kelly joins the firm after serving 16 years as the Human Resources Director of Arkansas Specialty Orthopaedics where she managed all facets related to human resources including policies, programs, employment, employee relations, organization planning and forecasting. Kelly is a Senior Professional in Human Resources (SHRMSCP) and a Professional in
Human Resources (PHR). She is also a member of the Society of Human Resource Management (SHRM). She is an active member of her community and serves on the Hillcrest Farmers Market Manager Team and as a board member of the Midtown Redevelopment Advisory. She is also a 2012 graduate of the Leadership Greater Little Rock program. A native of southwest Arkansas, Kelly earned her bachelor’s degree from the University of Central Arkansas and her master’s degree in Human Resource Development from Colorado State University.
ABOUT FRIDAY, ELDREDGE & CLARK, LLP
Friday, Eldredge & Clark serves business, non-profit, governmental and individual clients in Arkansas and across the United States. It is one of the oldest law firms in the state and has been the largest Arkansasbased law firm for nearly 50 years. Friday, Eldredge & Clark is led by managing partner, J. Shepherd Russell III, who is also head of the Public Finance Practice Group. The firm has additional practice groups focusing on General Litigation, Class Action & Business Litigation, Railroad, Labor and Employment, Medical Malpractice, Healthcare, Estate Planning & Probate, Employee Benefits, Real Estate/Commercial Transactions and Merger & Acquisitions. Friday, Eldredge & Clark has offices in Little Rock, Fayetteville and Rogers, Arkansas. For more information, visit www.fridayfirm.com. Source: Friday, Eldredge & Clark v
UCA presents Violin/Viola Concert April 24-25 The University of Central Arkansas Violin and Viola Studio will be in concert April 24 in the Snow Fine Arts Center Recital Hall. The performance, free and open to the public, is set to start at 7:30 p.m. Tatiana Kotcherguina, adjunct instructor of violin and viola, said the program would include “Concerto in C Major” by F. J. Haydn, “Scéne de Ballet” by Ch. de Beriot, “Fantaisie on Two Russian Songs” by H. Vieuxtemps, “Chahagir for Viola Solo” by A. Hovanness, “Polka Infantile” by M. Glinka, “Tango for Violin and Marimba” by A. Piazzolla with a guest Carter Harlan on marimba. “Brandenburg Concerto No. 6” will be performed with soloists Gianni Gambini and Qinqing Yang and conducted by Nelio Zamorano. “In this recital, we present a variety of genres, music from different countries and eras,” Kotcherguina said. “Pianists Christine Franklin and Christy Huskey will be joining us for the program.” Kotcherguina said students performing include violin and viola music majors from her studio: Samson Baughman, (violin, prospective UCA student), Abigail McGee (violin, sophomore), Gustavo Fernandes Agreda (violin, performance certificate) and Gianni Gambini (viola, graduate). Baughman is a junior in high school and is in the process of preparing for his audition in the winter 2018-2019 season for
UCA to major in violin. McGee is majoring in speech therapy but has a passion for violin. Since 2010, McGee has been taking lessons with Kotcherguina. Agreda and Gambini are graduating this semester from UCA and will perform selections from their performance certificate and graduate recitals, respectively. “[For Agreda and Gianni], this performance would be a product of years of studying their instruments,” Kotcherguina said. A faculty recital featuring Kotcherguina is set for April 25 at 7:30 p.m. She said the program would include Variations “Nightingale” by M. Glinka, two dances from “Romeo and Juliet” by S. Prokofiev, Concerto for Oboe and String Quintet “Down a River of Time” by Eric Ewazen, and The String Sextet in D minor “Souvenir de Florence”by P. I. Tchaikovsky. “In this recital, viola will be featured as a solo instrument (Glinka), in a viola duo (Prokofiev), and as a part of a large ensemble, which is scored with two extensive viola parts (Tchaikovsky). Concerto for Oboe and String Quintet “Down a River of Time” by American composer Eric Ewazen will feature UCA faculty member Dr. Lorraine Duso as a soloist. Other UCA faculty participating in the recital are Dr. Carl Anthony (piano), Israel Getzov (violin) and Dr. Stephen Feldman (cello). Guest artists are Algis Staskevicius (violin, HSU upper CONTINUED ON PAGE 14
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UA Little Rock receives $50,000 grant to digitize archives from Central Arkansas’s Urban Renewal The University of Arkansas at Little Rock’sCenter for Arkansas History and Culture has received a $50,000 grant to digitize archival maps, documents, architectural drawings, and photographs related to urban renewal in Little Rock. The Humanities Collections and Reference Resources grant is from the National Endowment for the Humanities (NEH), which today announced $18.6 million in grants for 199 humanities projects across the country. UA Little Rock’s mapping renewal project is an 18-month pilot that will bring together humanities scholars and technical specialists to select, digitize, describe, and create a website that will make the resources available to the public. “These new NEH-supported projects deepen our understanding and appreciation of the traditions, values, and historical figures who have shaped our country,” said NEH Senior Deputy Chairman Jon Parrish Peede. CAHC’s project will empower scholars and the general public alike to explore questions such as what are the political, social, and economic effects of the growth of cities; why cities change over time; and how the built environment and geography shape the
A photo from the Earl Saunders Photograph Collection depicts a view of Little Rock’s Main Street in May 1927. (Photo provided)
history of a place. In the 1960s, urban renewal in central Little Rock comprised one of the largest demolition and clearance programs in the country. As a result of renewal efforts, Little Rock’s Central High district shifted from being a majority-white to a pre-
dominantly African-American neighborhood. The Ninth Street Corridor, the city’s AfricanAmerican business district, was cleared of its inhabitants and businesses to make way for freeway construction. The Mapping Renewal project will not only digitize impor-
tant historic materials from this period and make them freely available online, it also will develop methods that can be used nationally for describing placebased materials in ways that others can easily find. Because this project includes many maps and architectural drawings, the
team will attach geospatial data to the digital files so that computers and Geographic Information Systems can be used for analysis. In addition to scholars and educators, the project aims to engage the general public in exploring the questions central to the grant. By holding focus groups in the communities affected by the project, staff at the Center for Arkansas History and Culture will gather input from members of the public on ways to describe and present these resources that are meaningful to them. “This grant will not only allow the Center for Arkansas History and Culture to put important historical resources on the web for scholars, educators, and the general public to use, but it will provide a forum for us to work with the public to develop best practices for describing and cataloging resources dealing with the built environment,” said Deborah Baldwin, associate provost for the UA Little Rock Center for Arkansas History and Culture. “Our ultimate goal is to empower anyone to explore and question history to better understand the present.” Source: UA Little Rock Communications v
Travel The Natural State: Power of Music Festival April 26-29 Hear the story behind songs you know and love, and learn the industry side of the music business at The Power of Music Festival set for April 26-29 in Bentonville. Get tickets to the music portion or the conference side of the event, or attend both. In its second year, the festival encompasses great music, singer/songwriter shows, and conference workshops. The Music As the saying goes, “Without songwriters, there is no music.” The songwriters attending the festival have big credits to their names. Keith Sykes co-wrote the song “Volcano” with Jimmy Buffet. Jonathan Wolff created the music for 75 primetime network series and is best known for his iconic Seinfeld music. Jerry Salley has had more than 500 of his songs recorded over the last three decades. Writing and singing in Nashville since 1982, his songs have been cut by country artists like Chris Stapleton and Reba McEntire. Steve Poltz’ live performances have become bona fide events. As relentless as he is in concert, he is also the guy who famously co-wrote the timeless ballad “You Were Meant For Me” with platinum-selling songwriter Jewel. The Festival’s Hall of Fame concert consists of Richard Leigh, Roger Cook, and Dennis Morgan. Leigh has had hits spanning four decades and nine No. 1 records. He kicked off the 21st century with a top 10 hit, “Cold Day In July,” recorded by the Dixie Chicks. Early in his ca-
reer, Leigh took home the Country Music Association 1978 Song Of The Year award for “Don’t It Make My Brown Eyes Blue.” Cook is best known for his collaborations with Roger Greenaway. Cook’s co-compositions have included “You’ve Got Your Troubles,” and the transatlantic million selling songs, “I’d Like to Teach the World to Sing” and “Long Cool Woman in a Black Dress.” Dennis Morgan is the writer of over 4,000 songs with 100plus charted hits around the world. Songs include “Sleeping Single In A Double Bed,” “I Was Country When Country Wasn’t Cool,” “Only A Lonely Heart Knows,” and “He Set My Life To Music” for Barbara Mandrell;” Smokey Mountain Rain,” “I Wouldn’t Have Missed It For The World” and “She Keeps The Home Fires Burning” for Ronnie Milsap; “Let Me Let Go” for Faith Hill and Vince Gill;” All Roads Lead To You” and “Kansas City Lights” for Steve Wariner; “Sensible Shoes” for David Lee Roth;” and “She Takes My Breath Away” for Eddie Money. Other artists that have recorded Dennis’ songs include Ray Charles, Delbert McClinton, Jonny Lang, Michael McDonald, Joe Cocker, Fleetwood Mac, David Alan Coe, Brad Paisley, Kenny Chesney, Alabama and more. “We just want to celebrate the songwriting. It’s kind of like getting to look behind the curtain like in the Wizard of Oz,” Betsy Brumley, event director, says. “This is really like the backstage
portion. The cool thing from last year is the people that came said they enjoyed shows and then saw the guys walking around town and they were approachable and could talk to them.” The songwriters will perform throughout the weekend at various venues. Additionally, several bands and artists will perform. Nearly every genre of music is covered. “On Thursday night we have a VIP party kick-off night at 225 Event Center and will have singer/songwriters there from everywhere,” Brumley says. “At the Meteor [Guitar Gallery] we have one of the up-and-coming bands in folk rock called The Accidentals. They are just amazing. They just came from SXSW and absolutely set the world on fire. They are one of the bands to watch. They came last year and have grown so much. We also have a songwriter-in-the-round that night at Meteor.” “Friday night we go into mega music at Meteor Gallery and Haxton Studio, 225 Event Center, and Bike Rack Brewery.” says Brumley. “There’s music all over.” “Bentonville will not roll their sidewalks up at 10 o’clock,” she adds. “Last year our midnight shows were some of the most attended. It wasn’t all millennials.” In addition to late night music, there will be a plaza concert at the Bentonville Farmers Market on the square with a performance by the Arkansas Philharmonic Youth Orchestra on Saturday. Also included is a family music portion for the kids.
In addition to music is the opportunity to meet Steve Dorff, a Songwriting Hall of Fame member. He will sign copies of his book, “I Wrote That One, Too… A Life in Songwriting From Willie to Whitney,” at noon Saturday in front of the Walmart Museum on the Bentonville square. “His son, Stephen Dorff, is actually in Fayetteville filming True Detective so they get to connect while he is here.” The Ozark Regional Songwriters Association Showcase Finals are at 2 p.m. that same afternoon at Meteor Guitar Gallery. The six winners from a monthly songwriters showcase and two wildcard entries will perform for the overall prize. “On Sunday we have our gospel lunch and that is our nod to the gala,” Brumley adds. Music Foundation “One of the things I don’t think people realize is the music festival is a fundraiser for the I’ll Fly Away Foundation,” Brumley explains. “Most [nonprofits] have a gala and we wanted to do something different. For that same money as a gala, we have four days of music.” Proceeds from the festival will benefit the foundation’s You Can Fly Songwriting Program, which allows area students of varying developmental levels to use songwriting to connect to their own creativity. As part of this program, established songwriters come into schools to personally craft songs with students. Brumley’s grandfather, Albert E. Brumley, was a songwriter and is famous for writing the
song, “I’ll Fly Away.” She is head of the I’ll Fly Away Foundation. Music Industry Topics In addition to music, the festival will feature panels about key topics in the music industry. Attending will be a representative from Austin to discuss how to build a music city and music supervisors from Los Angeles to talk about song placements in movies and television. “We have some folks coming in from Nashville to talk about music publishing,” Brumley says. “Al Bell started Stax Records over in Memphis. ‘I’ll Take You There.’ He wrote that. He’s a pretty amazing guy.” Sessions will include: Music Publishing and Copyrights with Al Bell & Linda Lorence-Critelli; Songwriting 101: The Creative Side and Business Side of Writing Music with a critique session by Grammy-winning songwriter Jerry Salley; Performing Rights Organizations with Dennis Lord and Linda Lorence-Critelli; TV & Movies - Music Supervisors with Sherry Orson & Lisa Vega; Importance of Publicity with Kate Richardson, Craig Shelburne & Jim Bessman; and Social Media and Branding for Bands with Amber Buist. Tickets can be purchased for day passes, weekend passes, or VIP passes. Purchase online at www.illflyawayfoundation.org/ pomfest. The Power of Music Festival is created by the I’ll Fly Away Foundation with Coca-Cola as the 2018 presenting sponsor. Source: Arkansas Department of Parks & Tourism v
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4 // April 23-29, 2018
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BY TOMMY HOWARD
Financial Focus
Jack Nelson Jones, P.A. is located in Little Rock, Arkansas. Jack Nelson Jones represents a wide range of clients across the state and the nation, including First Security Bancorp, Crews & Associates, Inc., American Fuel Cell and Coated Fabrics Company, Bank of the Ozarks, the University of Central Arkansas, and North Little Rock School District. Some of Jack Nelson Jones’ other more well-known national clients include Mr. Jerry Jones and the Dallas Cowboys Football Club.
www.edwardjones.com
TAKE STEPS TO CONTROL YOUR INVESTMENT TAXES
T
ax Season is finally over. Of course, how much you pay in taxes depends on a variety of factors, many of which you can’t control. But you might give some thought to how you can manage your investment-related taxes. Here are some suggestions to consider: Contribute to your employer’s retirement plan. If your employer offers a 401(k) or similar plan, such as a 403(b) or 457(b), contribute as much as you can afford. The more pretax dollars you put in to your retirement plan, the lower your taxable income. Your employer also may offer a Roth 401(k) option, under which you invest after-tax dollars, so your annual income won’t be lowered and your withdrawals will be tax-free. Contribute to an IRA. Even if you have a 401(k) or similar plan, you may still be eligible to contribute to an IRA. With a traditional IRA, your contributions may be fully or partially deductible, depending on your income level; with a Roth IRA, contributions are not deductible, but your earnings can grow tax-free, provided you’ve had your account at least five years and you don’t start taking withdrawals until you’re 59½ . Follow a “buy-and-hold” strategy. You can’t control the price movements of your investments, but if you do achieve gains, you can decide when to take them – and this timing can make a substantial difference in your tax situation. If you sell investments that you’ve owned for one year or less and their value has increased, you may need to pay capital gains taxes at your personal income tax rate, which, in 2018, could be as high as 37 percent. But if you hold investments for more than one year before selling them, you’d be assessed the long-term capital gains rate, which is 0, 15 or 20 percent, or a combination of those rates. Consider municipal bonds. If you’re in one of the higher tax brackets, you may benefit from investing in municipal bonds. The interest on these bonds is typically free of federal taxes, and possibly even state and local taxes. Interest from some types of municipal bonds may be subject to the alternative minimum tax (AMT). However, because of the new tax laws, the AMT exemption amounts were increased significantly. You might be wondering what these new laws mean to investors. In terms of your regular investment activities, the effect might not be that significant. The tax brackets for qualified dividends and capital gains – such as those realized when you sell stocks – will remain about the same. This means that most investors will continue to pay 15 percent to 20 percent on long-term capital gains and dividends. Consequently, the new tax laws shouldn’t really affect you much in terms of your decisions on buying and selling stocks or investing in companies that may pay dividends. Of course, it’s still a good idea to consult with your tax advisor on how the totality of the new laws will affect you. Ultimately, your investment decisions shouldn’t be driven only by tax implications – nonetheless, it doesn’t hurt to take steps to become a tax-smart investor. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
IF YOU’RE NOT AT YOUR LAST JOB, YOUR 401(k) SHOULDN’T BE EITHER.
Shriners Hosps. for Children v. First United Methodist Church of Ozark, 2018 Ark. App. 216 (March 28, 2018) This appeal comes from the Franklin County Circuit Court, Honorable David M. Glover presiding. This case concerns the authority of a decedent’s attorney-in-fact acting under a power of attorney to sell real property for a nominal sum. In 2012, Foster executed a codicil to his will directing Frederick Romo, the named executor, to sell Foster’s residence and contents at public or private sale and distribute the net proceeds to Shriners if Foster still owned the residence at the time of his death. Subsequently, Foster decided that he wanted his residence to go to First United Methodist Church(“FUMC”). In March 2013, Foster executed a durable power of attorney naming Romo as his attorneyin-fact. Among other things, the power of attorney authorized Romo to sell Foster’s real property “at such times, in such places, and upon such terms and conditions as my said attorneyin-fact may deem appropriate.” The power of attorney, however, did not grant Romo the authority to make a gift of Foster’s real property. On April 11, 2013, Romo signed a warranty deed transferring Foster’s residence to FUMC in which it was stated the property was sold “for and in consideration of the sum of Ten Dollars ($10) and other good and valuable consideration.” Foster died on May 22, 2013. His estate, which did not include his residence, was opened soon after his death and was closed by order entered on June 10, 2014. Subsequently, Shriners filed a complaint for declaratory judgment in July 2014, alleging that the $10 sales price effectively made the transfer a gift which was beyond the scope of the power of attorney and the house should, therefore, have passed to Shriners pursuant to Foster’s will. FUMC moved for summary judgment arguing that the power of attorney gave Romo the authority to sell the residence on
whatever terms he chose, and he elected to sell it for $10. The power of attorney did not require any threshold amount or that the sale be reasonable. FUMC also submitted Romo’s affidavit in which he stated that Foster had told Romo he wanted FUMC to receive his residence, but, when he originally tried to donate his residence as a parsonage, FUMC determined it could not accept a restricted gift. Foster, then decided to sell the residence and donate the proceeds to FUMC but became physically ill and relocated to a nursing home before the house could be listed for sale. He subsequently retained a lawyer to prepare a power of attorney naming Romo as Foster’s attorney-in-fact, which was executed on March 7, 2013. Romo visited Foster in the nursing home three to four times per week, and, during those visits, they continued to discuss Foster’s desire for FUMC to receive his residence at his death. In that effort, Foster directed Romo to contact Foster’s lawyer to finalize the transfer and donation of his residence to FUMC so that he could avoid the need to execute a new will. The lawyer, however, advised Romo that the power of attorney did not authorize him to make a charitable donation of the residence to FUMC, but that he was allowed to sell the residence to FUMC on such terms and conditions as he deemed appropriate. Romo then discussed with Foster selling the residence to FUMC for $10 as an alternative method of transferring the property to FUMC and Foster approved. He directed Romo to have the lawyer prepare a deed for Romo to sign selling the residence to FUMC for $10. Romo executed the deed, delivered it to FUMC and FUMC paid $10. The deed was then filed with the Franklin County Circuit Court Clerk’s office. Foster died shortly thereafter, knowing his residence was FUMC’s property and that the residence was sold to FUMC for $10 and was not a gift. Shriners contested FUMC’s claim that it was entitled to summary judgment, asserting
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instead Shriners was entitled to summary judgment because the transfer of the residence was in fact a gift, as the $10 paid was nominal consideration and did not permit a finding that FUMC was a good-faith purchaser for value. It argued that if Foster had really wanted to donate the house to FUMC, he could have simply signed a deed himself or included the authority to make it a gift in Romo’s power of attorney. It also argued that FUMC was not a good faith purchaser for value since it only paid the nominal amount of $10. The circuit court upheld the sale to FUMC granting it summary judgment and dismissing Shriner’s cross motion. On appeal, the Court of Appeals noted that, while it is true that Foster could have accomplished the transfer of his residence to FUMC in other ways, the issue was not whether there were other ways to transfer the property but whether the manner chosen was sufficient to accomplish that purpose. The Court rejected the argument that $10 was not sufficient consideration to make FUMC a bona fide purchaser. It noted that, “In the absence of accident, mistake, fraud and the like, no one can call into question a man’s disposition of his property. Where a deed, on its face, is an absolute conveyance, has been executed and delivered as the voluntary act of the grantor, the question of consideration, as between the parties and their privies, is immaterial.” Mere inadequacy of consideration is not sufficient to set aside a deed unless there are accompanying acts of fraud or deception which were not present in this case. The Court noted that other jurisdictions had upheld a sale under a power of attorney for as little as $1 under similar circumstances. Here, the Court noted, the power of attorney specifically authorized Romo to sell Foster’s real property on such terms and conditions as Romo deemed appropriate. When donation was not possible, Foster decided his residence would be sold to FUMC for the sum of $10, which was, in fact, paid by FUMC. The Court noted that, not only was this sale within the letter of Romo’s authority under the power of attorney to convey Foster’s real property upon such terms as he deemed appropriate, it was also within the spirit of the power of attorney. Accordingly, the decision of the circuit court in favor of FUMC was affirmed. v
The Daily Record is pleased to publish numerous columns from inside and outside sources. The opinions and views of these columnists are their own and do not necessarily convey the opinions of The Daily Record.
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April 23-29, 2018 // 5
Money&MarketsExtra Money&MarketsExtra
National Averages, Friday: National National Averages, Averages, Friday: Friday:
erages, Friday:
Money Market Account 0.34% Money Money Market Market Account Account 0.34% 0.34%
Money Market Account 0.31%
1-year CD 0.92% 1-year 1-year CD CD 0.92% 0.92%
1-year CD 0.80%
5-year CD 1.67% 5-year 5-year CD CD 1.67% 1.67%
5-year CD 1.46%
60-month new car loan 3.99% 60-month 60-month new new car car loan loan 3.99% 3.99%
$30K home equity loan 6.10% $30K $30K home home equity equity loan loan 6.10% 6.10%
60-month new car loan 3.32%
30-year fixed mortgage 4.35% 30-year 30-year fixed fixed mortgage mortgage 4.35% 4.35%
$30K home equity loan 5.35%
Funds Funds that that smooth smooth out out the the investment investment ride ride
OfMutual OfMutual Interest OfMutual Interest While theInterest stock market was busy heaving up and
30-year fixed mortga
By Stan Choe By By Stan Stan Choe Choe For now, though, investors can appreciate rest of the market. Those stocks have been particularly attractive For now, though, investors can appreciate While the stock market was busy heaving up and rest of the market. Those stocks have been particularly the slightly smoother Sincecan S&P 500 index down some funds were up and in recent when interest rates were close to recordattractive lows and For now, though, ride. investors appreciate While in therecent stockmonths, market was busy heaving rest of theyears, market. Those stocks have been particularly attractive the smoother Since 500 index down months, some in years, when interest rates close funds set a record highride. on Jan. 26,S&P they’ve offering steadier, slightly bonds were paying scant amounts interest. the slightly slightly smoother ride. Since S&P 500 lost index down in in arecent recent months, some funds funds were were in recent recent years, when interest ratesofwere were close to to record record lows lows and and funds set a record high on Jan. 26, they’ve lost offering a steadier, slightly bonds were paying scant amounts of interest. about percent duehigh to a on combination of fearslost less-nauseating ride. But were interest ratesscant have amounts been on the rise. The Federal Reserve funds8set a record Jan. 26, they’ve offering a steadier, slightly bonds paying of interest. about percent due a fears less-nauseating But rates have on rise. Reserve By Sta and a more of aggressive about “Low-volatility”ride. funds cater to skittish is gradually raising and Federal paring back its abouta8 8possible percent trade due to towar a combination combination of fears less-nauseating ride. But interest interest ratesshort-term have been beeninterest on the the rates rise. The The Federal Reserve a possible trade war and a more aggressive about “Low-volatility” funds cater to skittish is gradually raising short-term interest rates and paring back its Federal nearly investors who have lesscater tolerance for bond investments. 10-year Treasury note has yield of possible trade war and a more aggressive about aReserve. “Low-volatility” funds to skittish is gradually raising Ashort-term interest rates and aparing back its Reserve. nearly investors who less for bond investments. A Treasury note has a Over the same time, though, the iShares Edge 2.80 percent, up from 2.36 percent a year ago. funds generally Federal Reserve. of nearly investors who have less tolerance tolerance for bond investments. A 10-year 10-year Treasury note has a yield yield onth is in theturbulent booksmarkets. for have theThese Federal Reserve’s the small interest payments “The Fed has so of overdone it for so m better compared toFederal Over the same time, though, the iShares Edge 2.80 percent, up from 2.36 percent a year ago. turbulent markets. These funds generally MSCI Min Vol USA ETF is down a more modest 6.1 Higher rates make bonds more attractive and undercut restrict themselves to stocks with the mildest Over the same time, though, the iShares Edge 2.80 percent, up from 2.36 percent a year ago. turbulent markets. These funds generally process of pulling the plug on its bond-purchase from bonds. Higher rates could change that, years, they’ve taken monetary policy so MSCI USA down a Higher rates make bonds more undercut restrict to with the mildest percent. TheVol PowerShares Low modest Volatility6.1 demand utilities and high-dividend stocks.and That’s part of the swings themselves historically, and several have up to MSCI Min Min Vol USA ETF ETF is is S&P down500 a more more modest 6.1 Higherfor rates make bonds more attractive attractive and undercut restrict themselves to stocks stocks with the lived mildest nd markets expectations took things in stride. and it would also leave bond fund investors bounds, that they may have to tighten fo percent. The PowerShares S&P 500 Low Volatility demand for utilities and high-dividend stocks. That’s part of the swings historically, and several have lived up to Portfolio ETF, another one of the largest funds the category reason funds have had days during the part recent by dropping less than percent. The PowerShares S&P 500 LowinVolatility demandlow-volatility for utilities and high-dividend stocks. That’s of the swings historically, and several havebroad lived index up to Portfolio ETF, another one of the largest funds in the category reason low-volatility funds have had days during the recent expectations by dropping less than broad index assive undertaking for the Fed, whose investment with losses on what are supposed to be the before they get back inbounds,” said Jim by Portfolio assets, isETF, down only 5.3 percent. volatility where they’ve fallen more the rest of the market. funds since the turned in early another one of the largest funds in the category reason low-volatility funds have hadthan days during the recent expectations by market dropping less choppy than broad indexFebruary. by assets, is down only 5.3 percent. volatility where they’ve fallen more than the rest of the market. funds since the market turned choppy in early February. In general, experts say, investors in low-volatility funds can On Feb. 21, for example, when bond yields jumped following “They have delivered what you would expect them to provide,” by assets, is down only 5.3 percent. volatility where they’ve fallen more than the rest of the market. funds since the market turned choppy in early February. welled to nearly $4.5 trillion. Economists credit the safe parts of their portfolios. Paulsen, chief investment strategist at th In experts say, in Feb. for bond following “They delivered you would expect to more muted losses in down markets but alsofunds morecan modest theOn release of minutes from awhen Fed meeting, thejumped PowerShares said Alex have Bryan, director what of passive strategies atthem Morningstar. In general, general, experts say, investors investors in low-volatility low-volatility funds can On Feb. 21, 21, for example, example, when bond yields yields jumped following “They have delivered what would expect them to provide,” provide,” ith helping push U.S. stock funds toyou returns of more Hereexpect are several reasons why analysts say Leuthold Group. expect more muted losses in down markets but also more modest the release of minutes from a meeting, PowerShares said Alex Bryan, director of passive strategies at Morningstar. gains markets, to markets roughly comparable returns S&P 500 Low Volatility from Portfolio ETF lost 0.8the percent. S&P 500 “These are most director appropriate for more risk-averse investors” who expectduring more up muted lossesleading in down but also more modest the release of minutes a Fed Fed meeting, the PowerShares said Alex Bryan, of passive strategies at Morningstar. gains during up markets, leading to roughly comparable S&P Low Volatility Portfolio ETF lost percent. S&P “These most for who ercent sincemight the spring ofappropriate 2009. been so calm about Fed’s —same Other central overhas the long term. index funds lost 0.5 percent the day.0.8 beare tempted to sell during downrisk-averse market — investors” a no-no forthe gains during up markets, leading to the roughly comparable returns returns S&P 500 500 Low Volatility Portfolio ETF lost 0.8 percent.banks S&P 500 500are still pump “These are most appropriate foramore more risk-averse investors” who market over the term. index funds the day. to a market ast, even themight hintbe oftempted a slowdown in bond purchases moves so far: ofsame stimulus into the global Low-volatility funds take different approaches, but they Regardless anypercent underperformance low-volatility funds may economy. long-term investing. over the long long term. index funds lost lostof0.5 0.5 percent the same day. be tempted to sell sell during during a down down market — —a a no-no no-no for forbalance-sheet might Low-volatility funds take different but Regardless of any funds may long-term investing. generally focus“taper have in the short investors need to low-volatility beCentral willing to hold No tantrum” investment is perfect, of course. Low-volatility funds lagged on stocks that have aapproaches, record of milder swings than Low-volatility funds take different approaches, but they they Regardless of term, any underperformance underperformance low-volatility fundsonto may long-term investing. ors into a “taper and caused interest rates to — Since the 2013 tantrum,” the European Bank buys 60 billion generally have short term, investors to No investment is of course. lagged on a of them forthe years, Morningstar’s Bryan. S&P index funds in 2017, bigLow-volatility swings werefunds rare and the the rest offocus the market. Butthat this have can result in concentrations in than generally focus have in in the shortsaid term, investors need need to be be willing willing to to hold hold onto onto No500 investment is perfect, perfect, of when course. Low-volatility funds lagged on stocks stocks that have a record record of milder milder swings swings than he stock market calmly set more records in swings October, as and central bank has gone toButgreat lengths to bonds each month, though it plans to re them for years, said Morningstar’s S&P index funds 2017, when were the the rest of can result in “We these market rode a powerful Another risk liesrare in the areas good ideas Bryan. for long-term investment,” he certain of the market such utilities and consumerin them forthink years, saidare Morningstar’s Bryan. S&P 500 500 index funds in in surge 2017, higher. when big big swings were rare and the the restswaths of the the market. market. But this this canas result in concentrations concentrations in “We think these market rode a powerful surge higher. Another risk lies in the areas are good ideas for investment,” he certain swaths of the market such as utilities and consumer $10 billion of Treasurys and mortgage-backed telegraph its moves. With President Trump tapping Jerome “Jay” those purchases to 30 billion euros inthe January. The Ban of the market low-volatility funds tend to favor. Many have said. “But if you getare frustrated easily underperforming staples. “We think these market rode athat powerful surge higher. Another risk lies in the areas good ideas forbylong-term long-term investment,” he certain swaths of the market such as utilities and consumer of the that low-volatility funds tend to Many said. ifif you get easily underperforming the staples. up on the of stocks thatthe maycash. befavor. hurtThe most interest these aren’t for you because they’re going to goand through Utilities stocks thethe consumer staples sector generally ofmature the market market thatkinds low-volatility funds tend to favor. Manyif have have said. “But “But you get frustrated easily by by underperforming the other assets to staples. Powell to be the and next chairin of Fed, economists expect this tomarket, Japan is frustrated buying government bonds n its portfolioloaded without reinvesting loaded up on the of that may be hurt market, these aren’t Utilities and stocks in consumer staples sector generally rates keep rising, asby many on Wall multi-year spells.” areThey less volatile andisalso tend to pay higher dividends than the loaded up month on the kinds kinds of stocks stocks that may expect. be hurt most most ifif interest interest these aren’t for for you you because because they’re they’re going going to to go go through through Utilities and he stocks in the the consumer staples sector generally continue. say less aggressive about raising interest market, itsdryeconomy. se to $50 billion per the end ofStreet next year. rates multi-year are AP rates keep keep rising, rising, as as many many on on Wall Wall Street Street expect. expect. multi-year dry dry spells.” spells.” are less less volatile volatile and and also also tend tend to to pay pay higher higher dividends dividends than than the the
ual est
After the Fed’s great unwind begins, the stock market yawns
rates than other candidates and should stick with the current nd market was more exciting than the stock market. The Chair Janet Yellen’s plans, reducing the Fed’s balance sheet and e 10-year Treasury reached its highest level since gradually raising short-term interest rates. he economy got stronger and investors waited for — The economy is better able to stand on its own and other Donald Trump’s choice for the next Fed chair. economies around the world are hitting a higher gear. It’s a iding on whether markets can remain calm. If rates rise different whenthe thewheel Fed was buying bonds expected, say as a result of aWhy burstyou of inflation, should check yourmuch credit beforepicture gettingthan behind Why credit getting behind the wheel the Great Recession cumulative effect of all uld get upset. Why you you should should check check your yourfollowing credit before before getting behindand thethe wheel insurers use to set your premium. Car ownersless with attractive. poor credit can paystocks significantlythat moreaid for the economy means financial conditions are still n rates would make stocks While insurers use your Car with poor credit can A credit-based score is used to predict your to drive than those insurers use to to set setinsurance your premium. premium. Car owners owners with with poorgood creditcredit. can pay pay significantly significantly more more relatively easy. ally expensive based on company profits, they look A credit-based score is used to predict to drive withcar good credit. likelihood of filing insurance a claim in the next few years, saysyour That’sthan truethose for both loans and insurance premi-
Cars Cars and and credit credit
Ways yy to Ways to avoid avoid credit-card credit-card theft theft
A credit-based insurance score is used to predict your to drive than those with good credit. likelihood of a in few says That’s true for car loans and insurance premiLamont Boyd, insurance director of scores ums. In fact, bad your insurance likelihood of filing filing a claim claimindustry in the the next next few years, years, saysand That’s truehaving for both both carcredit loanscan andraise insurance premiLamont Boyd, insurance industry director of scores ums. In fact, having bad credit can raise your insurance analytics at FICO. Insurers can use this and other and quote even than if you’ve hadraise an accident. Lamont Boyd, insurance industry director of scores and ums. In fact,more having bad credit can your insurance analytics can use and other quote even more than if had scoring help set rates Here’s what you need to analytics at at FICO. FICO. Insurers Insurers can models use this thisto and other quote even more than if you’ve you’ve had an an accident. accident. scoring models to set Here’s in all states except California, know: scoring models to help help set rates rates Here’s what what you you need need to to in all except know: Hawaii and Massachusetts, in all states states except California, California, know: Hawaii and Massachusetts, where is banned. Car loans Drivers with Hawaiithe andpractice Massachusetts, where practice is Car loans Drivers with The the costs vary greatly by blemished tend to where the practice is banned. banned. Car loans credit Drivers with The costs by blemished credit tend state, an analysis choose a cheaper car than Theaccording costs vary varytogreatly greatly by blemished credit tend to to state, according choose a car than by NerdWallet. they could otherwise state, according to to an an analysis analysis choose a cheaper cheaper carafford. than by they could otherwise afford. That’s partly to cope with the by NerdWallet. NerdWallet. they could otherwise afford. That’s to the How to take control To higher partly rate they’ll paywith for the That’s partly to cope cope with to control To higher rate the cheaper options. Store layaway,How subprime cards onsumers in a tight orthey’ll with pay littlefor get the best credit rate possible loan.spot How to take take control To and higher rate they’ll pay forcredit the history might get the best rate possible loan. check your credit and get For used car loans in option the get the bestscores ratepay possible loan. bad-credit personal loans all give you time to off the hemselves drawn to the rent-to-own for check scores and used loans in preapproved for an auto loan lastFor quarter 2017, prime check your your credit credit scores and get get For usedofcar car loans in the the purchase at much lower rates. cket items, but itcredit pays to think twice. preapproved auto last 2017, before you gofor to an a dealership. buyersof an preapproved for an auto loan loan last quarter quarter ofreceived 2017, prime prime before to a credit buyers received an u’ve probably seen pitch before You canyou stillgo on the average rate of 5.48 percent, before you goget to financed a dealership. dealership. creditthe buyers received an— get You get financed on average rate of 5.48 percent, spot,can butstill now you have a Trade to credit You can still get financed on the the average rate of and 5.48reporting percent, Before you sign a contract d-name furniture,according appliances electronics for as little The Federal spot, you according to reporting negotiating tool to have get a a agency Experian. average spot, but but now now you have abetter according to credit creditThe reporting 9.99 a week. The compaCommission suggests asking negotiating to agency The rate from thetool dealer. rate wasExperian. much higher, 16.27 negotiating tool to get get a a better better agency Experian. The average average rate from the dealer. rate was much higher, out low prices, no hassles some ofwith these questions before Even credit, you percent, subprime rate from the splotchy dealer. rate was for much higher, 16.27 16.27 Even with splotchy credit, you percent, for subprime could still save by shopping borrowers. Even with splotchy credit, you percent, for subprime nstant gratification to deciding to rent-to-own: could still by borrowers. around forsave car insurance quotes. So for someone buying a could save by shopping shopping borrowers. strapped consumers. Howstill much are my payments? around for insurance So for someone buying a In New York, example,quotes. used $21,000, the cost around for car carfor insurance quotes. So car for for someone buying a In New York, for used car for the ere are a few things to When due? NerdWallet found a $5,689 is $110 per of poor In Neware York,they for example, example, used carcredit for $21,000, $21,000, the cost cost NerdWallet found a $5,689 is per of poor credit difference between the highest lowest for month, $5,273 over NerdWallet found aquotes $5,689 is $110 $110 perthe life of the 48-month loan. of poor credit der before you sign up:and What and other fees are charged? difference between the and lowest quotes for month, and life someone poor credit. That’s primethe borrower to 48-month a subprimeloan. differencewith between the highest highest and lowest quotes for a month,comparing and $5,273 $5,273a over over the life of of the the 48-month loan. What happens if I miss someone credit. That’s You canwith alsopoor improve borrower. someone with poor credit.both your credit and That’s comparing comparing a a prime prime borrower borrower to to a a subprime subprime How it works You usually payment? You improve both your credit and borrower. credit-based insurance score paying your bills on You can can also also improve both by your creditall and borrower. credit-based insurance score by all bills insurance The credit scores lenders use to time and keeping your credit balances below 30on make payments for Car a fixed credit-based insurance score card by paying paying all your your bills on Car insurance The credit scores lenders use to time and keeping your credit card balances below 30 loan terms are not the same score percent their limit. Car insurance The credit scores lenders useauto to time andofkeeping your credit card balances below a 30 uctory period, whichdetermine can be Once you sign determine percent determine loan loan terms terms are are not not the the same same score score auto auto percent of of their their limit. limit.
1 1 1
Rent-to-own
Wireless&Cashless By Barbara Ortutay
It’s expensive but popular; what to know before you sign 3 3 3
Walk into a brand-name store Taylor had already Walk into a store had Taylor had already already Walkit’s into a brand-name brand-name store Taylor transitioned to chip-card and hard to tell if it’s the and hard tell it’s transitioned to transitioned to chip-card chip-card and it’s hard to to tell ifif your it’s the the systems before hackers kind it’s of place where kind place where your systems hackers systems before hackers kind ofcard place where your made off before with many creditof data will be stolen made off off with with many credit data be stolen made many credit card data will will be hack. stolen customers’ credit cards. in the card next major retail customers’ credit cards. in next major retail hack. customers’ credit cards. in the the nextare major retail hack. Kirda says phone payment But there a few clues that Kirda says phone payment But there are a few clues that Kirda says payment But there are a few clues that systems such phone as Google Pay might help. systems such asif Google Google Pay might help. systems such Pay might help. and Apple Pay,as supported, Start by checking that you and Apple Pay, if supported, Start by checking that you and Apple Pay, in if supported, bychip checking are also useful protecting canStart insert cards that into you the are also also useful in real protecting can into are useful in protecting can insert insert chip cards into the the credit cards. The credit reader, notchip just cards have your card creditinformation cards. The Theisreal real credit reader, just have your credit cards. credit reader, not just haveKirda, your card card card never swiped,not says Engin a card information is never swiped, says Engin Kirda, a card information never swiped, says Engin Kirda, a transferred to theisorganizaNortheastern University transferred to the the organizaNortheastern University transferred to organizaNortheastern University tion, and thus can’t be stolen. computer science professor. tion, and thus can’t can’t be stolen. stolen. computer science professor. tion, and thus be computer scienceoffer professor. The National Retail Chip readers The National National Retail Chip offer The Retail Chip readers readers offeran Federation is urging payment protection but aren’t Federation is urging urging payment protection but an Federation is protectionsince but aren’t aren’t an card companies to gopayment a step antidote, they don’t card companies to go ajust stepa antidote, since they don’t card companies to go step antidote,the since they don’t farther by requiring nota prevent card data from tapping the item of inte Facebook already lets you farther bya requiring requiring not just just a a prevent the from farther not prevent the card card data from being stolen fromdata a database. chip butby PIN – a secure, chip but a PIN – a secure, being stolen from a database. But not everyone w watch shows, order food, chat being stolen from a database. chip but a PIN –such a secure, Notably, department store secret number, as the secret number, such asathe the Notably, department Notably, department store secret number, you use atsuch ATMs. chains Saks Lordstore & and buy ones buyas car from a rand withand friends other ones you chains and & you use use at at ATMs. ATMs. chains Saks Saks and Lord Lord & ones personAP on the interne people’s castoffs.
3
2 2 2
months. After that, you three options: you can buy em outright, continue making ents until you own it or n the item to end your lease. InsiderQ&A you stop making payments InsiderQ&A InsiderQ&Ayou behind, the company asing it from can repossess bject. You don’t have the o get your money back.
So, what could upset the market? Inflation pressures m AP AP rising. With the economy in a healthier position, additiona stimulus such as tax cuts could heat up the economy eve Wireless&Cashless Wireless&Cashless Wireless&Cashless and cause prices to O’Brien jump. If that were to happen, the Fed By Matt By Matt O’Brien By Matt O’Brien find itself forced to raise interest rates more quickly than e “I think the market is underpricing the potential for infla going higher,” said Schroders investment strategist Jon M “We could have a shot to the system, and if that happens equity market would have to take a breather.”
Cars, come get you cars! (On Facebook where else?)
4
contract There are This article was provided to The Associated Press by the personal finance website NerdWallet. AP This NerdWallet. This article article was was provided provided to to The The Associated Associated Press Press by by the the personal personal finance finance website website NerdWallet. several ways you can protectAP AP
AP yourself if you've signed a with theAPability to chec Now, Facebook is adding rent-to-own contract. someone’s profile to, more used cars to the mix, Keepwas your payment records. Equifax announced last month that Mark Obviously the breach a real second is really spending time with dealerships for the business. hopefully, guard again letting sell cars Equifax last that Obviously the breach was real second is spending time for Begor, aannounced long-time financial industry challenge business. Buta been companies customers, and our partners, make Equifax announced last month month that Mark Mark Obviously for the breachmajor was a I’ve real second is really really spending timetowith with for the the business. business. Some rental scams. directly through company’s Begor, financial industry challenge business. But been customers, and our to executive, would take over as CEO of the impressed with how they’ve been sure that they we’re serious about Thethe breach remains the biggest issue, Begor, a a long-time long-time financial industry challenge for for business. But I’ve I’ve been customers, andknow our partners, partners, to make make executive, would impressed they’ve been sure that about The breach remains the issue, haven’t credited payments company on Apriltake 16. over responding to it.how They have been that but what are other things that you’re executive, would take over as as CEO CEO of of the the impressed with with how they’ve been making sure investment. that they they know know we’re we’re serious serious about The breach remains the biggest biggest issue, Enter Facebook’s Marketplace service. Until company on 16. responding to it. been making that but what other things you’re Begor joins Equifax heavy investments andhave focusing looking more broadly grow this company on April April 16. at a time when it’s responding to it. They They have beenon making that investment. investment. but whatatare are other thingstothat that you’re properly. partnership with auto now, only individuals could sell joins a when heavy investments investments and focusing on looking at at more more broadly broadly to to grow grow this this stillBegor recovering from lastat bringing in the rightand talent to fix what Since the breach, there’s been a company? Begor joins Equifax Equifax atyear’s a time timemassive when it’s it’s heavy focusing on looking Pay on time. Missing a still recovering from last year’s massive bringing in the right talent to fix what Since the breach, there’s been a company? data breach that exposed the personal went wrong. But one of my principle growing conversation around the fact My goal is for Equifax to be an industry such as Edmunds an vehicles. still recovering from last year’s massive bringing in the right talent to fix what Since the breach, there’stheir been old a company? data breach exposed the went But of principle growing conversation the fact My is Equifax to an information nearly 150 million Amerigoals is really to one regain the trust of that people don’t reallyaround have any leader around protecting consumer data. payment, even byoura single day, data breachofthat that exposed the personal personal went wrong. wrong. But one of my my principle growing conversation around thesay fact My goal goal is for forall, Equifax to be be an industry industry Cars.com. The compa And why not? After the information of nearly 150 million Amerigoals is really to regain the trust of our that people don’t really have any say leader around protecting consumer cans. The stolen information included customers, of the consumer and of theour on how theirdon’t data really is gathered. Aresay you That’s aaround personal priority consumer for me. Butdata. we information of nearly 150 million Amerigoals is really to regain the trust that people have any leader protecting data. can trigger a deluge of calls from rental companies. The cans. The stolen information included customers, of the consumer and the on how their data is gathered. Are you That’s a personal priority for me. But we also made more things you can do on Social Security numbers, birthdates and public. taking a different approach to looking are going to continue to invest in our cans. The stolen information included customers, of the consumer and the on how their data is gathered. Are you That’s a personal priority for me. But we it easier to Social Security numbers, birthdates and taking different approach to are going to continue to in our You may have cheaper options Rent-to-own may behind get, the more aggressive the companies addresses, which canfurther be used for identity at how a Americans’ data you’re the core data analytics services and Social Security numbers, birthdates and youpublic. public. taking aactual different approach to looking looking aremore going to continue to invest invest in our our filtering listing cars by Facebook, time addresses, which can be used for identity at how actual Americans’ data you’re core data analytics services and our theft. It was the largest breach of crucial What goes into rebuilding trust? collecting is being handled? workforce solutions and employee addresses, which can be used for identity at how actual Americans’ data you’re core data analytics services and our seem cheap, but in practice it is a very expensive become. theft. It It was was the largest largest breach of crucial Whatbusiness goes into into rebuildingheavily trust? the collecting is isdobeing being handled? workforce solutions solutions and employee year, you’ll spend there. personal information in breach history, of and led to The is discussing Consumers need handled? to have control of verification business.and The third legmodel, of that mileage theft. the crucial What goes rebuilding trust? collecting workforce employee personal information in and led to The is heavily Consumers do need to of verification business. The leg of of lending, akin to payday loans or car title loans. The Consider a lower Debt that strategy is around investing globally Equifax’s previous CEO stepping down, infrastructure and it’spayoff. fortifying its the their data that to control us. I think personal information in history, history, and led negotiating toas The business business is discussing discussing heavily thecollectors Consumers dothey needentrust to have have control of verification business. The third third leg attributes. oftothat that other Marketplace is Facebook’s strategy is investing globally to Equifax’s previous CEO stepping down, infrastructure and it’s fortifying their that entrust to II think bring credit and analytic decisioning well as several other executives. defenses around As you since the breach Equifax been strategy is around around investing globally to Equifax’s previous CEO steppingunpaid down, as as debt infrastructure andcybersecurity. it’s fortifying its its their data data that they they entrusthas to us. us. think ive annual percentage rates typically run more than acquire from rental companies will typically But Facebook won answer to Craigslist. Users can bring credit and analytic decisioning to well as several other executives. defenses around cybersecurity. As you since the breach Equifax has been our customers partners in other to spokeother to The Associated Press know, we’re not unique or aloneAs in being industry bring credit andand analytic decisioning wellBegor as several executives. defenses around cybersecurity. you since theleading breacharound Equifaxthe hasblocks been and ercent. ask you toPress pay theimpacted “early purchase option” on your our and in Begor spoke Associated know, not or alone being industry leading around the blocks and Mark Begor parts of the world. after the company announced they were by thisunique massive threat of alerts that will allow consumers to take at cars – did you and stuff easily. our customers customers and partners partnersstop in other other Begor spoke to to The The Associated Press know, we’re we’re not unique or global alone in in being industry leading around thebuy blocks andsell used Mark Begor parts of the world. after the company announced they were impacted by massive global threat of alerts that will take CEO Mark Begor hiring him. cybersecurity, and we didn’t have the down control of their creditconsumers informationto and en if you have a troubled credit history or can’t the contract. consumers can talk them to half parts of the world. after pay the company announced theyBut weresavvy impacted by this this massive global threat of alerts that will allow allow consumers to take they would? It’s also t Selling involves just snapping CEO hiring him. cybersecurity, we didn’t have control of credit information and Equifax right defenses and in place, but we’re decide they want it available to Interviewed by Ken Sweet. cybersecurity, and we months. didn’t have the the control when of their their credit information and urchase priceCEO for something you want, there hiring can him. be of that amount paid multiple Equifax rightover defenses butdo we’re decide when they want it available Interviewed by Ken Sweet.andjobs, a photo and setting aedited price, Equifax What attracted you to the job? definitely goingintoplace, have to that. The financial institutions. I believe that’storight Answers for clarity length. event tickets and
New New man man at at the the Equifax helm Equifax helm
What What attracted attracted you you to to the the job? job?
right defenses in place, but we’re definitely definitely going going to to have have to to do do that. that. The The
This article was provided to The Associated Press by the personal finance website NerdWallet.
decide when they want it available to Interviewed by Ken Sweet. financial that’s right Answers for clarity and length. financial institutions. institutions. II believe believe that’s right requires Answers edited edited length. AP while buying justfor clarity andrentals.
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