Maximize Your Medicare

Medicaid Unwinding: Help Your Neighbor There is no community unaffected. Medicaid is being cancelled for those that no longer qualify, due to the Public Health Emergency ending. On this newsletter, I have stated that the existing predictions of how many were too low, it wasn’t a hero call. Early evidence has suggested this easy call was correct. Pitfalls Exist Worse is that some people are going…

Theory Alone Does Not Pay Bills What is it really worth? Mr Market doesn’t care what I think. There is reason that the Silicon Valley Bank saga was important, it shed light on the fact that banks have a lot of assets (commercial real estate), which, in theory, are worth $xxx. They are allowed to value these assets using theory. Based on ‘theory,’ they are able to lend 10-11x of $xxx to Jae’s Rib…

Theory Has Limits It is my very biased view that people should be guided by those with the best understanding of theory. There needs to be a starting point, so that when theory breaks down, or developments arise, you can get the correct explanation, not some fairy tale or false narrative. It is personally and professionally exhausting to explain the what/how/why private people have wrongly clung…

In theory, I am wildly underpaid I already know that the Comprehensive Financial Planning service can literally transform the way that a household looks at its financial future. I have receipts, and I am pretty sure clients will say so, publicly. At $3000 for a lifetime of financial guidance, it is wildly underpriced. This underpricing will end on December 31, 2023. In practice… People think…

Medicare ABCs Is Released For Subscribers For Medicare newcomers, a must, since people don’t read books anymore. For existing beneficiaries, changes are almost a certainty, you need to stay up to date. The cost of not doing so? You could be wasting your own money, lots of it. The flip side is also true, a penny not spent is a penny earned. Click on the image to watch. Subscribe now

Medicare Annual Election Period Soon For all existing and (hopefully future clients), here is what you should do in order to retain our free Medicare guidance. We do not make outgoing phone calls because we do not want to be wrongfully accused of aggressive marketing and I am personally dismayed when I hear of tactics that have been deployed by my counterparts. Gross. Our Medicare Enrollment…

Financial Talk | Saturday Sep 16, 10A This is not going on YouTube, the broadcast will be exclusively on gh2benefits.com. I fully expect that broadcasts will be presented here, and only highlights on YouTube. It will take one hour only. I have changed this to an open broadcast, but note that it will not be on YouTube. It will be hosted privately by us, on our domain. Here is the link, you can…

Life insurance often seems like something reserved for individuals in their later years or those with families to protect. However, this is a common misconception. Young professionals can benefit significantly from carrying a life insurance policy. It can provide crucial support, financial security, and peace of mind during the early stages of their careers. In this article, we will discuss the…

Summer Is Over, On To The CFB & Super Bowl Lifelong Wolverines and Dallas Cowboys fan, the season of great expectations begins. But first, join me at 10A ET on Saturday, live on YouTube. Segment List (subject to change with zero advance notice) Health Insurance (Medicaid dis-enrollment is bigger than national expectations, but not for anyone that has listened or read Jae’s Corner). Projections…

Health Insurance Is A Tax Handled correctly, people can retire early. Handled poorly, a surprise tax bill of more than $10,000 can await you. I have witnessed this, every single year. It’s a central idea to understanding financial anything. Just follow the cash flow. Under the Affordable Care Act, if you make more money, you pay higher premiums. Period. Under Medicare, the same idea exists, but…

Bond Fund Basics Not financial advice, etc etc. There’s a reason that bonds are getting some attention, interest rates are higher. However, people don’t understand what they are actually doing when they ‘buy bonds.’ Let’s correct that. There are intentional shortcuts here, you are reading the writing of a bond trader, yo. There are subtleties that would result in a 10,000 word article, no one…

Take Back Control? Stop Jibber-Jabber KFF is a great organization, the people are highly qualified, I have read the biographies of those responsible. The facts of what are reported are going to be accurate, in the overwhelming number of instances. However, even KFF is apparently being pulled by the clickbait tractor beam. Excessive negativity and hysteria are barriers to you taking control for…

Fitch Downgrades US Debt: Does It Matter? Confidence and correlations (the glue) matter, the actual downgrade doesn’t. If the US actually defaulted, then candidly speaking, then salt would be the new money. Never say never, but the fact of Fitch downgrading US government debt is a nothing burger. However (you knew this was coming), the question for portfolio strategy is the fact that US…

Women and Money: Alliance for Lifetime Income Findings Actual data confirming what makes the most sense. Traditional gender roles plus a dose of bias, and you get the inevitable challenges facing slightly more than half the population. You can read the entirety here. After years of speaking with everyday people, this doesn’t really come as a surprise to me, and I have discussed it, every time I…

Summer Reading List: A New Entry Check out this book by clicking on the Jae’s Corner Amazon reading list: click here. You can safely presume that the academic, theoretical principles in this book are fully considered, and incorporated into the guidance we provide. A financial plan is a portfolio of diverse components that interact, fit for a specific situation. Our challenge is, and will always…