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  • Coffee and Mutual Funds Vary by Cup

    Coffee and Mutual Funds Vary by Cup

    October 1, 2013
    Coffee hounds beware: not all coffee packs the same punch. A recent article on Foodbeast lays out the brands with the most caffeine per fluid ounce. McDonald’s has the least at 9.1 mg/fl. oz, while Caribou (15 mg/fl. oz) and Starbucks (20.6 mg/fl. oz) fall in the middle. At the ...
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  • Use Investing Smarts to Avoid Scams

    Use Investing Smarts to Avoid Scams

    September 24, 2013
    This week is the fifth anniversary of the collapse of Tom Petters’ Ponzi scheme. Minnesota businessman Petters orchestrated a $3.65 billion fraud, far short of the $50 billion the more infamous Bernie Madoff stole, but a huge amount nonetheless. There have been other, smaller, Ponzi schemes in the local news, ...
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  • MNsure and Your Retirement

    MNsure and Your Retirement

    September 10, 2013
    Health care is going to make retirement planning more complicated (or easy, depending on how you view it), especially for those who retire before age 65. At 65, you can sign up for Medicare, but if you retire before then, the old problem of figuring out how to get health ...
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  • Medicare Part D: It's Not Your Father's Drug Coverage

    Medicare Part D: It’s Not Your Father’s Drug Coverage

    September 6, 2013
    When people think of Medicare, they probably think of Part A (hospitalization) or Part B (doctor’s visits), which they sign up for when they turn 65. The next thought might even be getting a Medicare supplement to handle the coverage gaps in Part A and Part B. But don’t stop ...
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  • Teach Your 22-Year-Old How to Save for Retirement

    Teach Your 22-Year-Old How to Save for Retirement

    September 3, 2013
    Why are children the hungriest at 4:00 in the afternoon? Is it because dinner is at 5:00? Growing up, I remember one of the basic lessons was not to eat anything in that hour before dinner. Mom was usually preparing a big meal and she wanted her five children to ...
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  • Using an Annuity to Pay for Long-Term-Care Insurance

    Using an Annuity to Pay for Long-Term-Care Insurance

    August 26, 2013
    I am starting to encounter people who have variable annuities, held outside of IRAs, which have gains in them. (A variable annuity uses subaccounts that are similar to mutual funds for the internal investments.) In the aftermath of 2008/2009, many investments took a long time to recover and variable annuities ...
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  • Should Business Owners Try to Pay Taxes?

    Should Business Owners Try to Pay Taxes?

    August 21, 2013
    Retirement planning for a business owner is different than it is for other people. Stephen Covey, in The 7 Habits of Highly Effective People, shares habit two: Begin with the end in mind. For all of us, this means envisioning where you want to be in the future so that ...
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