Announcement

(Even) more work …

I am committed to writing a 2nd book, this one about Retirement Planning. Details are being considered, updates will appear here.

I have not decided on the format. Followers of this Substack, the free and paid versions, will not necessarily be surprised, if you have read my comments. Basically, it will provide insight on how I provide Comprehensive Financial Planning services to clients, from a wide variety of financial situations and outlooks.

I have decided to show my work, as it progresses, on the paid version of this Substack. You will see it, chapter by chapter, as it evolves. You can make suggestions as well.

I cannot give a firm release date for the final publication because I am not fully in control (there is a publisher or not, there is the formatting or not, there is the physical production, none of these do I fully control).

Best way to get the information: paid Substack, very clear. I will be assembling the breadcrumbs, and you’ll have a front row view.

I’m flattered to be asked? Yes. I’m excited (to the degree that I get excited), but a bit overwhelmed at the moment.

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Financial Markets Observations

Not financial advice (dyor).

Market higher at the open, met by selling. By itself, insignificant.

However, international markets attempted to push US markets higher overnight in an attempt to recover from heavy losses yesterday. Hasn’t worked (dead cat bounce didn’t even bounce). Hmm.

No significant bond buying either. We do not see a rush to “sell stocks and buy safety (bonds).”

This is not a great combination, equities lower without panic. So what happens when panic actually occurs (if it does occur)? Nasdaq is now down 10% from the high.

This is not a difficult market to observe or understand. It is always a difficult market to predict in very short timeframes, day traders get it wrong many, many times a day. For everyday people, this period is about whether or not the degree of volatility fits your specific objectives, opinion, and risk-aversion (do you like the up and down).

Can I Still Get ACA Insurance?

Yes, but you need to have a “side door.”

You need to have a life qualifying event.

Become unmarried: your ex-spouse needed to have provided health insurance for you (either in the private market or employer-sponsored market).

Turning 26. It’s subtle here, but yes, possible.

Newborn child. Yes, the newborn can be added to your existing plan (you cannot newly enroll yourself, but the child can be insured separately).

End COBRA. Note that this does NOT need to be involuntary. At this point in the calendar year, you would need a very good reason to justify the cost of COBRA. While a “very good reason” might exist, Jae’s Manifesto Rule #1 tells you that checking it out, for free? A must.

Loss of coverage.

Moving to a different area, as long as you had coverage in your prior location.

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Happy Not Happy

The majority of the largest library systems carry Maximize Your Medicare, at least 23 out of the top 25. However, that leaves many THOUSANDS that do not. Please suggest the book to your library system (I get a candy bar, at best, that’s not the reason, and very few call me, so that’s not it either).

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