Dice Financial Services Group Loose Change E-Newsletter

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.

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.

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.

How to Raise Your Credit Score

Consider these 8 tips for raising your credit score.

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.

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.

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.

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.

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.

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 Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Insurance Services offered through Dice Financial Services Group.
Dice Financial Services Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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