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Why Do You Have Insurance?

Paul (not his real name) is in his 50’s, never married, with no children. His net worth is around $2,000,000, he has no debt, and his portfolio produces enough for him to live a comfortable lifestyle and pursue his interest in the geology of the Black Hills....

Medicare Prescription Plans: The “D” Is for “Difficult”

There’s one thing about Medicare Part D that isn’t confusing—its name. The “D” clearly stands for “Difficult.” One of my associates has done some research on Part D on behalf of an elderly parent. Here are her suggestions to guide your own research. Anyone on Medicare...

South Dakota: A Wealth-Friendly State?

A few months ago Bloomberg’s Wealth Manager did a feature on the wealth-friendliness of the 50 states and the District of Columbia. The magazine rated each state’s tax laws, looking at how they would affect four different types of families. The magazine’s first...

The Value of a Great Cup of Coffee

If you were at a Safeway store in Rapid City sometime in the past couple of weeks, you may have seen me skulking toward the checkout line, hunched over suspiciously, with something hidden under my coat. No, I wasn’t shoplifting. I was just buying cheap coffee. Most of...