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Archive of David Shafer

David has written 25 articles for The BiggerPockets Blog.


Real Estate

The Dalbar Studies

by David Shafer May 24, 2013
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Recently some posts have referred to the Dalbar annual study of investor behavior. I have been following this annual report since its inception and thought I would add my thoughts about it here. The Dalbar Audience In order to understand the report first one must take a look at its intended audience. This report is […]

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Real Estate

Understanding the Expenses and Tax Implications in an EIUL

by David Shafer May 17, 2013
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Expenses in an EIUL are a big deal because most agents won’t structure the EIUL properly to minimize them. When properly structured, they should be between .5% and 2%. They are also hard for the layman to understand because most are trained to look for expenses like they are in mutual funds. Because it is […]

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Retirement

Understanding the Interest Credit Strategy in an EIUL

by David Shafer May 10, 2013
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Equity indexed universal life insurance policies were developed in response to issues in the variable universal life policies. Despite this, to this day, some critics lump the two together. For retirement purposes the EIUL uses a far superior strategy. Let’s take a look. EIUL Interest Credit Strategy Variable products simply use sub-accounts that are usually […]

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Real Estate

Sequence of Return Risk

by David Shafer May 3, 2013
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The word risk gets thrown around quite a bit by the financial planning industry. Usually they like to talk about risk in terms of diversifying your ownership of assets [in practical terms they are really encouraging you to buy mutual funds]. They like to mention those companies that imploded, like Enron or Global Crossing or […]

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Real Estate

Problem Solving

by David Shafer April 26, 2013
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I am a problem solver. Or at least I think I am. When other people are still dwelling on the problem, my mind is already at work trying to solve it. It makes for some interesting conversations with folks, especially with my wife who reacts emotionally first and needs time to process the emotions before […]

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Real Estate News & Commentary

What I Saw at the Boston Marathon

by David Shafer April 19, 2013
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I will take a short break from posting about investing for some personal observations from last Monday. My family attended the marathon to support our niece in her run. We were stationed at the end of Heartbreak Hill a few miles from the finish line. The rest of my family [4 siblings of my wife […]

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Real Estate

Be Prepared, but Stuff is Still Going to Happen

by David Shafer April 12, 2013
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Yesterday, I had the snow tires taken off of our car. Snow tires for two wheel drive cars are pretty much a given here in the mountains. Today, I woke up and looked at the weather and what was suppose to be rain/sleet is now looking like 6 inches of snow. The reason I had […]

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Real Estate Investing

Expectations: How They Change the Way You Feel and Direct Results.

by David Shafer April 5, 2013
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I went skiing this morning with a buddy. It is the end of ski season here in New Hampshire so we went out after to have a celebratory breakfast at our favorite local diner. The next table over was having a spirited discussion on their ski season and I found one of their comments interesting. […]

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Retirement

How Much Do Americans Really Have Saved?

by David Shafer March 29, 2013
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I regularly look at the data on how little people were able to save under the present system. It is really a shame because it is not about people not doing the right thing as much as people being sold faulty retirement income strategies. Recently, several media articles about how little people have saved have […]

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Real Estate

5 Signs of the Dreaded Analysis Paralysis

by David Shafer March 22, 2013
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I have a client that we were discussing how much of a no-brainer purchasing an EIUL was for his financial position. His comment to me has stuck in my brain since he made it. He said many people get stuck into “Analysis Paralysis” and are unable to make the decision because they over-think it. How […]

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Retirement

A Detailed Peek Inside My Investment Strategy: How Do I Invest And Why?

by David Shafer March 8, 2013
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I do the opposite of what the FINANCIAL EXPERTS say to do! I am going to apologize in advance for the length of this post, but I think some explanation is needed when you [as many other on here do] invest differently than most of the financial industry thinks you should. I keep my investing […]

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Retirement

What Wall Street Thinks about YOU!

by David Shafer March 1, 2013
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Commercials tell us a lot about what a company thinks about their customers.  They are obviously constructed to appeal to their customer base.  For that reason, I pay attention to the financial services commercials I see on the television.  There is one particular set of commercials from a well knows financial services company that I […]

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Retirement

News from the EIUL Front

by David Shafer February 21, 2013
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Every year I rate all the Equity Indexed Universal Life products on the market.  It seems each year there are a few more to look at.  Last year the total EIUL sales increased 40%.  This is a product that has come of age and is growing in popularity.  However, there are relatively few changes to […]

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Real Estate

The Strong Pull of Groups Can Lead to Disaster. How Do You Break Away?

by David Shafer February 14, 2013
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I recently read a great article on an avalanche that killed three people in Washington state.  As a social psychologist I found the group dynamics very telling.  As individuals, it is doubtful that any of these people would have made the same set of decisions that had them skiing in the back country that day. […]

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Real Estate

Who Are You Recruiting for Your Team?

by David Shafer February 8, 2013
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I follow college football and there is not bigger day than signing day.  That is the day coaches find out which players they recruited will play for them.  It’s a tough gig, depending on the whims of 18 year old athletes.  But most important is trying to evaluate what high school players will develop the […]

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