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DISASTER-PROOF YOUR HOME We run down the most effective ways to prepare and how to get help with the cost. HOW TO EARN UP TO 11% Our 35 incomegenerating ideas range from low-risk muni bonds to higher-risk REITs and MLPs. MAKING IT IN THE MIDDLE CLASS It’s tough to cover family needs and plan for financial goals on a modest income. We profile families across the country who are making it work.

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