The files that I send you are PDF documents with the exact inches of the print size. I highly recommend printing on white card stock! Make sure to select "US Letter" as your paper type and do not have "fit to page" selected" - it is already sized for the proper dimensions.
I've found that places like FedEx/Kinkos and Staples are able to print very easily as long as you have the file with you.
In terms of cutting the paper to the correct size, I strongly encourage you to use one of those straight edge cutters (available at both FedEx & Staples) because you will be able to cut as straight as possible as well as measure correctly!
For the prints with white space, there is a gray border that is your guide to cutting.