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  • Fees can have a dramatic impact on your portfolio balance over time.
  • Fees can have a dramatic impact on your portfolio balance over time.
  • How to create a low-cost investment portfolio. It's easier than you may think. Let's take a look at some typical mutual funds and ETFs and their fees. This is not a recommendation to buy or sell any investments, nor is this advice on constructing a portfolio.

    These are sample, diversified low-fee stock and bond index funds, along with their fees listed as a percent of total assets invested:

                                          
    Stock Market FundsFees
    Vanguard Total Stock Market Index (VTSMX)0.17%
    Vanguard Total Stock Market ETF (VTI)0.05%
    PowerShares QQQ (QQQ)0.20%
    iShares MSCI Emerging Market Index (EEM)0.67%
    PDR S&P Dividend (SDY)0.35%
    Schwab 1000 Index® Fund (SNXFX)0.29%
    Vanguard Total International Stock Index Fund Investor Shares (VGTSX)0.22%
    Bond Funds
    Fidelity Spartan® U.S. Bond Index Fund (FBIDX)0.22%
    iShares Core US Aggregate Bond (AGG)0.08%

      When creating your investment portfolio, be mindful of fees. The money paid out in management fees doesn’t guarantee higher returns and detracts from your overall opportunity to build long-term wealth.

      The best way to create a low-fee investment portfolio is to pay attention and choose low-cost index and ETF funds. Don’t let careless investment oversight cost you thousands of dollars. Before investing in any mutual fund, look at the fee structure. And, if you work with an advisor, ask him or her what the fees are on the funds in your portfolio. If they’re too high, then ask for lower-fee replacements. Fees matter!

  • “I think parents are assuming they’re helping their children,” says Rachel Cruze, 25, a speaker, author of “Smart Money Smart Kids” and the daughter of financial expert Dave Ramsey. “What parents are doing is they’re unintentionally harming their children.”
  • Moving back home can be a suitable, yet temporary, solution for young people who have recently finished college or suffered a financial setback. But experts advise parents and children to have a frank talk before the kids arrive with suitcases
  • Some experts, including Tessina and Cruze, advise creating a written contract that spells all these things out. “When it’s in writing, you’re more likely to stick to it,” Cruze says.

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  • Congratulations! You’re part of the “sandwich generation” – people who are stuck between children and parents who are financially dependent on them.
  • Here are six tips for surviving the “sandwich generation” years:
  • 1. Be proactive

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  • After I blew the whistle on the CIA’s torture program in 2007, the fallout for me was brutal. To make a long story short, I served nearly two years in federal prison and then endured a few more months of house arrest.

    What happened to the torture program? Nothing.

  • I thought they’d work together to ensure that our collective name would never again be sullied by torture — that we’d respect our own laws and the international laws and treaties to which we’re signatories.
  • n retrospect, I was naïve, even after having served in the CIA for nearly 15 years and as a Senate committee staffer for several more.

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  • Democrats are quick to brand conservatives as “science deniers” on a host of other issues, so why would they choose to ignore the overwhelming scientific consensus in this debate?
  • Sadly, while we celebrate advances in technology that prove life has value and worth before leaving the hospital, we also continue to be one of only seven nations that allow elective, late-term abortions — putting the United States in the same category as countries like Vietnam and North Korea.
  • It is difficult to imagine a more important measure of a society than how it treats its most innocent and defenseless population.

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  • When sickness strikes, people around the world pray for healing. Many of the faithful claim that prayer has cured them of blindness, deafness and metastasized cancers, and some believe they have been resurrected from the dead.
  • Can, and should, science test such claims?
  • Scientific research has returned mixed results. Some studies conclude that prayer improves health, while others show no effect -- or suggest that prayer may lead to worsening health.

    Part of the confusion stems from how prayer is studied.

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  • The Lord Jesus in Scripture at least twelve times is recorded to have said, "Don't worry...Don't be anxious," and He explained why on the occasions in which He said that. A number of times He said, "Don't be afraid," and explained why. Anxiety-Free living is part of what the Lord offers. It's part of the gospel message. It is what we have who are in the Kingdom if we want to take it.
  • Now you have to understand the promises of God and you have to understand the purposes of God to come to this worry-free, anxiety-free living.
  • "My God shall supply all your...what?...needs." Do you trust God to that point?

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  • One of the keys to giving yourself the best chance to find records the VA says is missing is to be as specific as possible  about the records you are looking for. Dates, locations, names of people you served with, the unit you served in, your commanding  officer, name and address of a hospital and any other details may make the difference in whether the missing information is  found or not. The VA has a "duty to assist" to help you find all of your records, but take it upon yourself to provide as much information as you can that  will help in locating the evidence you are seeking. A lawyer or representative can sometimes be very helpful in locating lost  records. Your congressmen can also be a good source to help you find missing evidence from your military file
  • One of the keys to giving yourself the best chance to find records the VA says is missing is to be as specific as possible  about the records you are looking for. Dates, locations, names of people you served with, the unit you served in, your commanding  officer, name and address of a hospital and any other details may make the difference in whether the missing information is  found or not. The VA has a "duty to assist" to help you find all of your records, but take it upon yourself to provide as much information as you can that  will help in locating the evidence you are seeking. A lawyer or representative can sometimes be very helpful in locating lost  records. Your congressmen can also be a good source to help you find missing evidence from your military file.
  • So what do you do if you still can't find the missing evidence after numerous attempts.

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  • Many veterans are struggling to get benefits due to missing or incomplete Department of Veterans Affairs records.
  • With the help of pro bono lawyers, he was finally able to gain access to benefits.
Mar 20, 15

"The four-cylinder model with an automatic transmission gets 23/33 mpg city/highway,"

Mar 20, 15

Vehicle History: Click Here
Make: Ford
Model: Fusion
Doors: 4DR
Style / Body: I-4 SE 4DR Sedan FWD 0
Engine: 2.3L Gasoline I4
Vehicle Age: 8 years
Country of Assembly: Mexico

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