November 4, 2010
We recently wrote about working with a couple where the husband was going to wait until age 70 to take Social Security retirement benefits and utilize the ‘Claim Now, Claim More Later’ strategy where at his Full Retirement Age (FRA) of 66 he will claim Social Security spousal benefits (50% ... Read more November 4, 2010
Every year at this time we get busy looking at year-end tax planning since December 31st is usually too late to make a difference on tax returns. This year we have a slightly different perspective since tax rates may or may not change by next year (unless Congress acts, some ... Read more October 5, 2010
I have always been a big believer in not following the lemmings off the cliff – when markets are overly exuberant it is not the time to buy everything; when the markets are pessimistic it is not the time to sell everything. Call it contrarian investing, counter-intuitive, or just plain ... Read more October 5, 2010
The beginning of another academic year is a milestone for many families. It is also a reminder that there may be college funding challenges looming just beyond the horizon.
Reality Check #1: College Costs Will Continue to Rise
Many observers believe that the college cost “bubble” will burst similar to the technology ... Read more October 5, 2010
Hiring is a tricky business. I know this because I have helped small businesses hire for over 15 years and though every company and position are unique there are a few themes that I see again and again as things to accomplish and things to avoid in the hiring process.
The ... Read more September 1, 2010
Sometimes things are just too good to be true. We have been talking with our retired clients recently about paying back Social Security benefits – interest and penalty free – that they may have started when they were 62 and starting over again now that they are 66 (or later). ... Read more August 4, 2010
Those real estate soothsayers were correct. There has been a rather precipitous fall in sales activity since the expiration of the deadline for the federal tax credit on April 30. The Twin Cities market was off by 38.2% in June compared to June of 2009. And, yes, it appears that ... Read more