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Of course, the opposite can also happen. When stock prices fall, mutual funds find themselves with reduced assets, meaning their expense ratios will rise. That's what happened in 2009, when the stock market bottomed after the financial crisis, and the average expense ratio for stock funds rose to 0.87% from 0.83%. application and submit it If you are a card member, you may have noticed this service being advertised from time to time. Credit card companies would advertise generous cash advance limits with interest rates that seem reasonable. This became a popular way to avoid overdrafts or late payment fees when money was tight. What many consumers failed to realize where the additional fees attached to this seemingly affordable offering. First, most companies would charge additional interest on top of the normal percentage for normal card purchases. Next, they would often add a fixed charge on top of the interest for the convenience of using the service. Finally, many companies would charge ATM fees for withdrawing the funds, making this a somewhat expensive offering.
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