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Should Retirees Buy Bonds With Low Coupon Rates Now?

Should retirees be buying bonds when interest rates are low? Typically I’d say that depends but now the risks of owning a long term bond paying a low coupon are much larger than before. As I write this (October 26, 2010), Yahoo Finance is reporting that the government sold 2 year treasury notes with a …

IRA Rollover vs IRA Transfer – Don’t Make This Mistake

***Update notes before reading: IRA Rollover Important update: news from a recent Tax Court decision – see below (highlighted) . Also some of the figures have changed since this article was originally published, the concepts are still very much, if not more applicable. For example, with recent increases in Medicare premiums for “higher income” individuals, keeping …

Why Our Clients Own Gold

For a couple of years I have been trying to convince my clients to purchase PHYSICAL gold and silver but none of them have listened to me. Of course the clients have been exposed to gold, silver, and gold miners through stocks and ETF’s for quite some time now (about 4.5-5 years, which still isn’t …

Health Insurance Costs for Baby Boomers Going Parabolic?

Working with boomer clients, I have become increasingly worried about the rising cost of medical care as it eats up more and more of a boomer’s shrinking discretionary budget.  We are all aware of the national stats but let me share some more personal, anecdotal stories. I recently spoke with a client who is hitting …

Saving Money by Going Online – At the Store!

I’d like to point your attention to an article I wrote on my personal website this week regarding paying attention to online prices when you’re in the store. You can read more about that here: ChrisGrande.com I was about to happily purchase a desk at Staples until what I saw on the computer screen in …

“Individuals Must Create Their Own Pensions” – But How?

Many advisors are still taking their cues from pensions funds and endowments, even as losses in the recent financial crisis prompt these institutions to reshape their strategies. But that follow-the-leaders approach may not be right for all clients. So starts a Dow Jones newswire article appearing in Financial Advisor Magazine online this morning. The point …

Convert Your Bond Portfolio to a Baseline “Pension”

I am a thinker – thinking of ways to do things better and thinking of ways to prevent disasters, reduce risk, and reduce worry. of course many ideas end up being a flop. However, sometimes, an idea comes along that actually seems to work! One such idea is a concept I have thought about for …