The problem, of course, with joining the Alliance For Lifetime Income (link) as Education Fellow,, and (link) as lead contributor?

I’m sad because I really don’t like taking myself (too) seriously. I can’t even read these titles without giggling, or looking around (‘who?” ‘huh?’).

I guess that I (might) have to sanitize my snark. Dang it.

Individual health insurance: easy one. Apply by January 15, in order to be effective on February. Here’s a tip: don’t get sick during January, you cannot retroactively start insurance (unless you are eligible for COBRA, that’s different, and largely unknown to the masses).

Medicare. If you are a Medicare Advantage member, then you can change once between January 1 – March 31. People like me are not allowed to reach out to you to suggest a change. We can and will take incoming calls.

Medigap. You can always change carriers, the calendar doesn’t matter, per se. However, you must be able to answer and pass medical underwriting questions. There are exceptions in specific states, and you can send an email to in order to get the details. Hint: after a few years, it can be that the rates will change, what I call ‘drift,’ and technical details exist, so you might be able to get notably lower premiums, and keep the same plan. Again, you’ll need to pass underwriting.

If you believe that inflation’s ripple effects are over, nah. Just look at these two headlines.

  • ‘Huge, Missing and Growing:’ $65 Trillion in Dollar Debt Sparks Concern’ (Bloomberg, Dec 5)

  • ANALYSIS-Blackstone REIT restriction a possible warning sign for markets (Reuters, Dec 5 click here to read.)

Explanation here, and subscriber video out when time allows..

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