I am currently 9 months away from having a chiropractic degree and would like to start investing and saving up some money for a practice, future business affairs, and family I plan on starting.

These messes are created by neglectful family members who failed to put their affairs in order. 

Sad state of affairs with real estate fraud!!

I'll take a 2.8% raise any day.I wouldn't put the emergency fund into any index fund -- choose an FDIC tool for money that absolutely, positively needs to be there regardless of world affairs.

Two, if Trump has his way then the llc is going to be the best way to conduct all business affairs, btw. 

I also started driving for lyft and uber on the side for extra cash which has not been a reliable source of income - driving for lyft and uber is an up and down affair. 

Also, licensed fiduciaries are regulated by the Dept of Consumer Affairs, so you can file a complaint there, too.

Particularly in today's climate, you are NOT getting financing unless you have your affairs in order.

I'm sure I'll get tarred and feathered for this, but I'm just returning from a long extending vacation and what a better way to get back into the fray but a healthy debate...I'd like to think that the posters on this forum "could see through the leaves for the trees" but given the media's love affair with bashing the lending industry, I can understand why...Sure loose lending guidelines, predatory lending practices and opportunistic lenders/brokers have an investment in the problem, but so do appraisers who overinflated values, borrowers that misrepresented incomes or miscalculated future earning potential and realtors that pushed the affordability envelope with the upsell---This being said, the sum total of these issues still doesn't hold a candle to the core drivers that seems to be remise from this thread.

Their personal affairs administered by court process if necessary and a custodian may be appointed.