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Social Security Reset May Go Away
(General/Articles)
... to come your way for a number of years to equal that big check you had to write. If you live longer than that breakeven period though, you win. In talking to people about this strategy, it always sounds ...
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There Ain't No Cure, But Is There An Upside To The Summertime Blues?
(General/Articles)
... provident time horizon for resale is five to ten years; the market turnaround will most likely be slow and gradual. Buy property based on its current economic viability, for its current utility and/or ...
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A Tax To Prepare For
(General/Articles)
... time income – you might want to accelerate income into 2012 (this could include capital gains as well) or even lump income into certain years beyond that. As with all planning ideas, I would like to ...
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Increase Your Social Security Income
(General/Articles)
... he starts collecting at age 70 (50% of his benefit is greater than all of hers). Most people would stop at that point and wait the four years out. But we went an extra step. We suggested that the ...
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Good Financial Plans Need Slush Funds
(General/Articles)
... not doing well, people spend less. This is not profound but it does have profound consequences. In the last two years I have heard many say they wanted to take advantage of an opportunity but just did ...
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Retirement Is About Living Longer
(General/Articles)
... different than that, assuming that life is to be lived today - all of us value those days where we are truly present and working "on" something. The last two years malaise in the economy has created more ...
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Take Control of College Costs
(General/Articles)
... 25 to 30 years ago. To add even more pain many would argue that the value of a bachelor's degree for today's students has diminished and graduate and professional degrees are becoming the new standard. ...
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Will You Still Get Goose Bumps When CDs Are Gone?
(General/Articles)
... that is the most critical to gaining rich life like sound from a digital format. Four or five years ago a D to A converter was considered an eccentric piece of electronics and was priced out of most music ...
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What's Ahead?...Spring and Echo Boomers
(General/Articles)
... over-correction, pinching household and bank balance sheets alike. Mortgage lending standards have lurched from absurd permissiveness a few years ago to paranoid reluctance today. Some further price declines ...
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Estate Planning Mistakes
(General/Articles)
... at one time but usually not after a couple has been married for many years and they have young children. Check your beneficiaries and do not forget to go back to your employer and see what they have on ...
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Heads I Win, Tails You Lose
(General/Articles)
... an employer 401(k), and if you are over 59.5 years old, some 401(k) plans allow rollovers to outside Traditional IRAs while you are still employed without adverse tax consequences. Roth IRA conversions ...
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When Spending is Really Saving
(General/Articles)
... I recommend that someone needs to recoup their closing costs in three, and at most, four years with the new savings. If you stay in your home for longer than that, refinancing pays off. Other examples ...
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Our Process
(General/About)
... all action items are implemented, usually within the two years. After that, fine-tuning the client’s investment life will be a constant. ...
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Multiple Retirement Options
(General/Articles)
... that many do not think about is part-time work. Over the last 15 years the push has been to retire in your mid-50s and do nothing. I disagree with that simply because most of the successful people I know ...
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Why BGM Wealth
(General/About)
... and his own investment portfolio for the past 25 years. He has seen clients consistently succeed through patient, diversified investing. It is his personal experience that encourages Boeckermann, Grafstrom ...
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Meet The Team
(General/About)
... from the University of Minnesota, Morris campus. After six years as a financial planner with a major national financial advisory firm, Jon joined Boeckermann Grafstrom & Mayer Wealth Management, LLC as ...
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Buy Low, Sell High
(General/Articles)
... year: In its annual update to the study, Quantitative Analysis of Investor Behavior (QAIB), DALBAR found that the S&P 500 has returned 8.35% annually over the last 20 years, ending in 2008. The average ...
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Fixed Income Investing
(General/Services)
... rate of interest for an additional five years. For example, we may construct a bond ladder that invests $100,000 in a two-year bond, $100,000 in a three-year bond, and $100,000 each in bonds that will ...
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The New Normal Economic Discussions
(General/Articles)
... since he passed away 17 years ago is the stories. I used to work with him in his business and as we interacted he would tell me stories about growing up and building his business; stories that my siblings ...
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Keeping The Family Cabin In The Family
(General/Articles)
... what the financial ramifications are of keeping the cabin. If after five years they do not feel they can afford it, then it is best if they sell the cabin even though the first generation might prefer ...