It turns out "do-it-yourself" investing is not all that it's cracked up to be. Employees saving for retirement in workplace 401(k) plans are increasingly eager (or willing) to autopilot their allocation and portfolio management decisions. Vanguard reports that among the more than 8,500 retirement plans it administers, with more than 4.6 million participants, usage of target date funds, balanced funds or managed account services has tripled in the decade.
It’s not often that taking the easy way out can be a wise move. But the easiest way to save for retirement--a target date fund--is a plug-and-play strategy that’s actually smart. A target date fund (TDF) is a compilation of many other funds that invest in stocks, bonds, and maybe a smattering of more esoteric things like real estate and commodities. As the investors, the only real decision you have to make is when you plan to retire, a.k.a.
Moreover, when you have a high FICO score, the "adjustment" to a conventional mortgage because you are making a low down payment will add 0.25 percent to your interest rate if you make a 5 percent down payment, or 0.75 percent if you make a lower down payment. Both of those charges are less than the 1.75 percent charged on FHA-insured mortgages with low down payments, and the cost of an 80-10-10.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Obama AND Romney or Obama + Romney.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used.) For example, search for democrat OR republican to find results that refer to
Democrats and/or Republicans.
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".