ACA
Back To First Principles

Back To First Principles

Stocks For Show, Bonds For DoughNot financial advice, just musings from a guy.Right now (yes, it’s early, but yesterday, the press was all about the January Effect, still true, but):S&P 500 = .45%AGG = -.82%So while the financial press is all about stocks (Elon...

Back To First Principles

What To Tell A 26-Yr Old

Young Women Taking Advantage (Correctly)It’s a nuance, perhaps an unintended consequence. Under the ACA, there is no such thing as a male premium or a female premium.That means that women who are thinking about having a family get access to health insurance at the...

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Don’t Do What Michigan Did

It May Not Have Mattered At AllMichigan Got Their Chance…and DeferredThe likelihood of Michigan winning was small, there is almost no chance that the UM coaching staff didn’t realize this. If they played 100 times, how many would Michigan actually win in a straight-up...

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Me and Sarah K

I Am Not Attempting To Change Your Vaccination PhilosophyIf you want to eat 10,000 Italian sausages, haggis, menudo, soon dae, instant ramen noodles, and cotton candy for decades but you refuse to get vaccinated because you are afraid of what’s in it, oryou put your...

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Buyer’s Remorse?

How To Unwind ProblemsMedicareIf you want to switch between Medicare Advantage plans,Perhaps you have watched a commercial, called, and enrolled in a plan over the phone (I don’t think this is a very good idea on a single call, there are too many moving parts when...

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Not Your Gramma’s Top 10 List

Top 10 Things To CheckLife Insurance. COVID has reduced life expectancy by 2 years in the US, yikes. Life insurance premiums have stayed unchanged, for the most part. For now, intense competition has kept this dynamic in place. For now. If you have not considered...