Ask the Fool: Rolling averages

Fool’s school: Be ready, should disaster strike • A job loss: A job loss can strike at any time, and you don’t want to have to take on debt to survive. So have an emergency fund ready, stocked with at least several months’ worth of living expenses, such as food, housing, utilities, taxes, transportation and so on. It can also be smart to make yourself more valuable to your employer or other potential employers by learning new skills or getting new certifications or degrees. • A poor credit score: A low credit score means you’ll face higher interest rates when you want to borrow money, such as for a home or car — and with a mortgage, a higher rate can end up costing you tens of thousands of dollars, if not far more. You can boost your credit score by payi

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