1. 12b-1 fees are marketing expenses for the mutual fund that are passed on to the fund shareholders. True or False

2. The 529 plans are tax advantaged savings in which contributions are limited to $2000 annually per child for each child younger than 18, the earnings are tax free and there is no tax on withdrawals to pay for education. True or False

3. There is little you can do to change your credit score so it is not worth the time to try and manage it. True or False