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Dice Financial Services Group

1716 N. Sanborn Blvd, PO Box 790

Mitchell, SD 57301


Phone:     605-996-7171

Toll Free: 800-658-3603


Website: www.dicefinancial.com

July/August 2022

UITs: A Good Fit for Your Portfolio?

Investors who are looking to add diversification* to a portfolio may want to consider a unit investment trust (UIT).** UITs are fixed portfolios of stocks, bonds or other securities professionally chosen to meet a specific investment objective, such as growth, income or capital appreciation.

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Legacy Planning: Keep Taxes in Mind

If you’re planning to leave a financial legacy to your family or favorite charity, be sure to work with your financial professional, estate planning attorney and tax specialist. They can help ensure that your documents are drafted properly and consider taxation of your plan.

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Mortgage Loans: One Size Doesn't Fit All

The state of the economy has a lot to do with interest rates, including the rate you’ll pay on a mortgage loan. But other factors go into the equation: your credit score, the amount of your down payment, the kind of mortgage you’re applying for and the term help determine your interest rate. Your personal circumstances will dictate which type of mortgage best fits your situation.

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How to Raise Your Credit Score

Consider these 8 tips for raising your credit score.

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Consider Taxes in Your Retirement Planning

When it comes to planning for retirement, there’s a lot to think about. How should you save for it? Where will the money come from? How much will you need for a comfortable lifestyle? But one important element that people often overlook is planning for taxes. Failing to take taxes into account can be an expensive mistake.

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A Seller's Market

In 2021, competition for homes was very strong in some areas of the U.S. and not as strong in others. According to LendingTree, the most competitive area was San Jose, CA, while the least competitive was Virginia Beach, VA.

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How Much House Can You Afford?

With mortgage rates trending higher, you’ll want to find out how much money you can borrow before you start house hunting Knowing your price range allows you to focus on homes that are within your budget.

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Hire Your Children

One of the monetary benefits of having children is that you get to claim them as dependents when you file your income taxes. But business owners may be able to take advantage of another benefit: a tax deduction for putting your child to work.

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Working For Tips

Under federal law, employers must pay at least $2.13 per hour, as long as the hourly wage combined with the tips received equals the federal minimum wage of $7.25 per hour or more. If not, employers must make up the difference. Keep in mind that many states require a higher hourly wage for tipped workers.

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Buying on Time

Paying for items over time is nothing new. If you shop online, you may have noticed a new trend: an option to pay for the items in your cart in equal interest-free installments. Should you take advantage of the offer?

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Securities and investment advisory services offered through Royal Alliance Associates, Inc. [ RAA], Member FINRA/SIPC. RAA is separately owned and other entities and/or marketing names, products or services referenced here are independent of RAA. Insurance Services offered through Dice Financial Services Group.
Thomas J. Dice, Jerauld Garry, Michael LeBrun, Jacquelyn Johnson, and Jesse Tolsma are registered representatives of and offer securities products and services through RAA. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, MN, MO, MT, NC, ND, NE, NY, OK, OR, SC, TX, UT, VA, WA, WI, and WY.  No offers may be made or accepted from any resident outside the specific states referenced.
Thomas J. Dice, Jerauld Garry, Michael LeBrun, Jacquelyn Johnson, and Jesse Tolsma are also separately registered as investment advisor representatives under Dice Financial Investment Advisory, a registered investment adviser, offering advisory services in the state of SD.
Thomas Dice offers additional investment advisory services through RAA.
Fixed and/or Traditional Insurance Services offered through Dice Financial Services Group.
Listed entities are not affiliated.
The broker-dealer [BD], investment advisor, BD agent or investment advisory [IA] rep in question may only transact business in a state if first registered, excluded or exempted from state broker-dealer, investment advisor, BD agent or IA rep registration requirements, as may be; and follow-up, individualized responses to persons in a state by such broker dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, will not be made absent compliance with state broker-dealer, investment adviser, BD agent or IA rep registration requirements, or an applicable exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker/dealer, investment advisor, BD agent or IA representative, a consumer should contact his or her stated securities law administrator. For securities information a consumer may also contact the Financial Industry Regulatory Authority (FINRA) at the following toll-free number: (800) 289-9999 or their web address www.finra.org. 

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