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Are One in Five Americans the “New Rich”? Not Exactly.

Watch this video on YouTube The surest road to financial success and independence is a long one. That path includes working hard at a career you enjoy, living on less than you earn, taking educated and appropriate risks, and building wealth gradually through...

Insurance Against Market Crashes?

Watch this video on YouTube Many investors, panicked by the market crash of 2008-2009, started a search for some type of investment vehicle to protect them from the next market downturn. Some decided the answer was a variable annuity with a “guaranteed living...

Fighting to Keep What You Build

A Bankrate article by Bruce Fraser that was also published at Fox Business on December 12, 2013, points out the importance of not only building wealth, but also of protecting it. The piece focused on three wealth destroyers: taxes, inflation, and overspending. Rick is...

The Headache of Enrolling In Obamacare

Watch this video on YouTube Like millions of Americans, I jumped on Healthcare.gov on October 1 to view the long-anticipated plans on the insurance exchanges mandated by the Affordable Healthcare Act, known as Obamacare. I needed a new healthcare plan and purposely...

Response from Credit Unions to Column on SD Bank Franchise Tax

My recent column on South Dakota’s bank franchise tax drew a response from credit union representatives. Not surprisingly, they don’t agree with my suggestion that banks and credit unions would compete on a more level playing field if they operated under...