Here’s how much your credit score impacts your mortgage and auto loan rates

John Ulzheimer •
The Simple Dollar

When you apply for a new loan, the most influential factor in determining your interest rate is your credit and, more specifically, your credit scores. Other factors certainly matter during your loan’s underwriting, such as your income and employment history, but the importance of your credit scores cannot be overstated when a lender decides which

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4 retirement planning pitfalls to avoid

Riverbend Financial Group, president, Andy Burdsall, and Investment Adviser •
Kiplinger

Often, prospective clients come in to my office and ask me, “Can I retire?” Unfortunately, there is no magic age or value or equation that allows everything to work perfectly and can give them a straight answer to that question. There are lots of ways to find retirement success. What I am typically more concerned

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Is the financial advice you’re getting a trick or treat?

Cypress Partners, Ria, Founding Partner, and Pete Woodring •
Kiplinger

Over the last decade, investors have grown savvier, more sophisticated and more self-aware. Increasingly, they are rejecting the product-centric, obscure, sales-focused approach of brokerage firms in favor of the client-centric and transparent advice model of independent financial advisers. Not willing to sit by and watch trillions of dollars of assets walk out their doors, the

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8 financial decisions you’ll never regret

Wisebread.com and Dan Rafter •
Kiplinger

A new year is here. And even if you’ve already broken the resolutions you made at the end of the holiday season, it’s never too late to make new ones, especially when it comes to your finances. Here are eight financial decisions you can make now that you’ll never regret. Make the moves on this

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4 ways to teach children about money

RFC, Eric Mattinson, Investment Adviser Representative, and Semmax Financial Group Inc. •
Kiplinger

A bit of inspired forward thinking by my grandfather sparked my interest in the financial services field and stayed with me into adulthood, even leading to a career. He gave me my first subscription to Kiplinger’s Personal Finance magazine when I was a boy. He also bought mutual funds for my brother and me, figuring

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This couple’s formula for financial success: Be flexible

Kimberly Lankford, Contributing Editor, and Kiplinger's Personal Finance •
Kiplinger

Then: Breighanne and Devon Eggert appeared in our December 2007 issue, when they were recent law-school graduates with $350,000 in student loans. They both landed jobs at Chicago law firms that paid well, and they continued to live like students, devoting more than half of their take-home pay to loan payments. Their plan was to

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