New Video to Explain March 31st

Shhh. I have told small groups that the number of rules that govern the carriers are very complicated. When you add the difficult competition, that means wins for consumers, IF THEY UNDERSTAND how/where to look. The Secret Sauce can work, for some. The amount can be in the thousands, that is never news to me.

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Pharmacist Annoyed? He/She Will Get Over It. You Keep The Discount

For newbies here, these are yours.

Remember to watch on YT and read in previous editions on how to use these. And remember that every pharmacy may or may not participate, and even if they did, then you should definitely NOT PRESUME that the discounts will be the same. I am 100% certain they are not. That is why there is NO recommendation or preference for either. Just take and use them BOTH (and add GoodRx as well, sure).

a. You can simply show the pharmacist.
b. You don’t get any rewards for being loyal, so only money matters (duh). Your lack of comparing cannot be cashed for a gallon of gas.

Gas Prices: Los Angeles Hits Record $6 Gallon, Other Cities Expect Spikes (click here).

Stocks Better, Why Isn’t My Portfolio Much Better?

Not advice, dyor.
Simply, diversified portfolios would’ve reasonably allocated to bonds. As noted in the newsletter, since we changed platforms, it has not been a good period for bonds.

You can see this graph. Yellow is SPY, stocks, and blue is AGG, which is a diversified bond portfolio of USD-denominated bonds.

This is almost-unprecedented bond volatility, just sayin’. I stated “Bond Bloodbath” in this video.

So if you had a 50/50 portfolio, the two have basically negated one another. There’s your answer.