Seven important steps to finding the right financial adviser for you

RFC, ChFC, CFEd, JD, Founder, Robert E. Grace, president, Master Elite IRA Advisor, Grace Tax Advisory Group, LLC, and Clu •
Kiplinger

Imagine reading a good book. You invest time and emotion into the book wondering how it will turn out. There are ups and downs along the way, but you remain hopeful based upon some authorial promises that all will turn out well for the protagonist. Near the end, though, you get this feeling the author

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31 days to financial independence: Trimming your spending – education and miscellany

Trent Hamm •
The Simple Dollar

Here’s the “average American family budget” that we’re looking at, along with links back to the earlier entries on those specific areas: Housing – $10,080Transportation – $9,004 Taxes – $7,432Utilities – $7,068Food – $6,602Insurance (including things like pensions) – $5,528Debt Payments – $5,252Healthcare – $3,631Entertainment – $2,564 Cash Contributions – $1,834Apparel and Services – $1,604

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31 days to financial independence (day 15): Trimming your spending – apparel and services

Trent Hamm •
The Simple Dollar

Here’s the “average American family budget” that we’re looking at: Housing – $10,080Transportation – $9,004 Taxes – $7,432Utilities – $7,068Food – $6,602Insurance (including things like pensions) – $5,528Debt Payments – $5,252Healthcare – $3,631Entertainment – $2,564 Cash Contributions – $1,834 Apparel and Services – $1,604 Education – $1,138 Vices – $775 Miscellaneous – $664 Personal Care

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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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