Personal finance

Diversification with long-term bonds and commodities

Lately, I've been looking to increase the diversification in my retirement portfolio by investing in both commodities AND long-term bonds.

Crazy? Aren't these diametrically opposed views? Commodities love inflation, just like long-term bonds hate inflation.

It's hard to say where inflation is headed, although at least relative to now it seems likely to go up. But how much more inflation can we expect, and more importantly, now much of that is already priced in long-term bond prices.

Free : Obtain up to three credit reports annually

Thanks to the The Fair and Accurate Credit Transactions Act of 2003, consumers in the western US may now request up to three copies of their credit report annually. Even better, consumers may stagger receipt of their reports, to monitor their credit standing.

Here is the text of the press release from the Federal Trade Commission (FTC) describing the credit report request process :

Consumers in 13 Western States May Request Free Annual Reports Beginning December 1

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