Financial Awakenings

New 'Low Cost' Health Care Program for Heart Attack and Stroke Victims

Rick interviewed Glenn Roth, Vice President of Business Development of QMed, about his firm's new healthcare product for stroke and heart attack victims.  The plan combines the best of a Medicare Part D and a Supplemental Plan, less the doughnut hole, for less money than the partient would otherwise pay.

The only catch is that you have had to have suffered a stroke, heart attack, or have some form of heart disease.

To view the interview, go to the client only section of our website at www.rickkahler.com, or click here.  Download heartline_medicare_special_needs_plan.wmv

KFG Workshop - New Medicare Pilot Program on Dec 7 at 11 AM

Our workshop on the new Medicare Pilot Program, currently offers in just three states, is postponed to the first quarter of 2007.  We will let you know an exact date.

The workshop is on HeartLine Plus, a special Medicare plan from DAKOTACARE, provides healthcare coverage and much more to South Dakotans who qualify for the unique all-in-one coverage due to certain medical conditions. The plan includes:

• Medicare Parts A and B and Medicare Part D Rx with no gap in coverage
• Brand name drug coverage through the donut hole
• No deductibles or medical copays, enrollees don’t have to buy supplemental coverage
• A Personal Health Advisor trained to coordinate enrollees' care and help them improve their overall daily life
• Total cost $101* monthly premium plus your Medicare part B premium

To get the same amount of coverage offered by the HeartLine Plus plan, beneficiaries would have to pay several monthly premiums for separate policies. For example, most people would have to pay $189 a month, not including deductibles and copays, for the same coverage. This is a potential savings of $90 a month. And since HeartLine Plus is a Special Medicare Health Plan, you can enroll any time without penalty—even if you are already enrolled in another Part D or coverage plan.

To learn more about HeartLine Plus, visit www.heartline.dakotacare.com or join us for a special presentation December 7th at 11 am at KFG.

A New Way Of Looking At 'A Christmas Carol'

Christmas time is filled with tradition, and one of those traditions some families celebrate is gathering together to hear the annual reading of Charles Dickens’s most famous work, A Christmas Carol.

This year, at 4:00 p.m. MDT on Thursday, December 14, join the KFG family and Rick as he recites Dickens’s most famous work.....only with a twist! Once you've heard Rick tell A Christmas Carol you will never again be able to view Scrooge, Cratchit, Fred, or Fezziwig the same. You may not view money in the same way, either.

There is no more fitting time of the year to put a log on the fire, cozy up to your telephone and computer with a steaming hot cup of "smoking Bishop," and spend an hour of Holiday fun and enlightenment with Rick. To register, click here or call 343-1400.

Next Teleclass: The Nuts and Bolts of C-corps, S-corps, and LLC's

One of Rick's area's of expertise is using corporations and LLC's to protect your assets from frivolous lawsuits and cutting your federal income tax liability.  Often, it is a combination of these entities can produce significant protection and savings.   In this class, you will have a chance to get answers to your specific questions regarding the proper use of corporations and LLC's and learn if they are for you.  This class will also be a perfect follow up to last month's class on why SD residents may want to consider putting their real estate into an LLC before the November elections.  Join Rick on October 26th, at 4PM MDT.  You can register by going to the KFG website by clicking here. Sign up today!

Next Workshop-A Litigation Attorney's View of Long Term Care Insurance

Last quarter we heard about the benefits of long term care insurance. This quarter, our guest speaker is a local attorney, Mike Abourezk, of Abourezk Law Offices. Mike is a specialist in personal injury claims. He will explain the "other" side of long term care insurance, the side that insurance companies don't really want you to know. He will explore some case studies of clients who didn't get the coverage they expected and describe how some companies avoid paying LTC claims. Learn how to evaluate your policy and what to look for when purchasing new coverage.  This workshop will be held in our dining room on Sep 27th - 11AM MDT.

Next Teleclass-Protecting Your Real Estate From Amendment D

My hunch is that South Dakota's property tax assessment cap amendment, known as Amendment D, will pass in November. This ill-conceived law will guarantee our property tax system will become increasingly unequal and unfair. The long-term result of this Amendment will be some property owners paying two, three, or four times as much in property taxes as their neighbors.

There is a way around this inevitability for those who plan ahead, but you've got to move now. If you own real estate, attending this call could save you tens of thousands of dollars, if not hundreds of thousands.

This important teleclass will be held on Sep 28th - 4 PM MDT.

Next KFG Teleclass: The Anti-Bond - Why You Need TIPS In Your Portfolio

For most bonds, rising interest rates spell trouble.  As interest rates rise, the value of a traditional bond sinks lower, unless you own Treasury Inflation Protected Securities, which are US Treasury Bonds.  For TIPS, rising interest rates are really good news!  Find out how one of the safest bonds in the world can further protect you bond portfolio from the raveges of inflation.  Join us for this informative teleclass where Rick will also give you all the details on our chosen TIPS fund manager.

Join us on Thursday, August 31st, at 4 PM MDT, for an interactive discussion on this asset class.  Click here to go to our website to register.  We will email you the phone number (and the webinar address if you want to join via your computer, too) the day before the class. Make sure you bring your questions!

Tuesday Workshop Filling Fast

Our Tuesday workshop is almost full.  We have two seats left for each session.  If you would like to attend, give us a call today at 343-1400 or go to the website and register there.

Why A Little 'Junk' Is Necessary In Your Bond Portfolio - July 13th 4 PM MDT

The term "junk bond" evokes thoughts of scams, fraud, and losing money.  High-flying financiers who ended up in prision were referred to as "junk bond kings." But don't let the term fool you. As a KFG client, you probably already have these worthless-sounding and high risk-sounding investments in your portfolio. In our July 13 teleclass, learn all you need to know about junk bonds and why they are included in almost every KFG portfolio.

Make your reservation today to attend this informative teleclass, open only to KFG clients.  Attendence is via phone, and if you have it, the Internet. If you can't attend in person, the workshop will also be recorded and available 24/7 on the 'KFG Client Only' section of the KFG website.

The teleclass will happen on July 13 at 4 PM MDT. You can register online now by clicking here or calling 605-343-1400.

The Inside Scoop on Westhills Village - July 25th 11 AM MDT

Westhills Village is one of the most popular retirement communities in the Upper Midwest. On July 25, you can find out why and learn whether becoming a resident of Westhills makes sense for you. Patsy True from Westhills will be our guest and cover all of the costs and coverages associated with becoming a resident. Find out if Westhills Village is an alternative to maintaining an expensive long term care policy, how you can deduct your intial membership fee, and more.

Make your reservation today to attend this informative workshop, open only to KFG clients. If you can't attend in person, the workshop will be broadcast live via our webinar capabilities. It will also be recorded and available 24/7 on the KFG Client Only section of this website.

The workshop will be held on July 25 at 11 AM MDT.  You can register online now by clicking here or calling 605-343-1400.