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Why just index funds? Low-cost indexes offer the purest and cheapest exposure to broad swaths of the markets, which youll want for your core. Studies show that most active managers fall short of their benchmarks because of the higher fees, trading costs, and timing errors associated with frequent trading. Before the internet, the standard process for these loans involved a lender providing a short-term unsecured loan to be repaid at the borrowers next payday. Typically, some verification of employment or income was involved (via pay stubs and bank statements). In this traditional retail model, borrowers would physically visit a payday lending store to secure the small cash loan, with payment due in full at the borrowers next paycheck. The borrower was responsible for paying back the amount borrowed plus fees (interest). + 4% of the principle amount â a monthly fee
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