Buying bonds with low fees
A bond mutual fund or ETF is a better way to go
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Circumventing the required 20% down payment is risky
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If a high-fee mutual fund performs well, what's the problem?
Rather than try to increase the return on your down payment, focus on how to squirrel more money away
Where to park $10,000 now for the short-term
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No one is able to consistently time the markets