Jae'$ Corner Podcast Jae Oh, CFP, Author

Market Glue Falls Apart All At Once

I left breadcrumbs for you, the entire time. These can all be found on this newsletter, and now sit on gh2benefits.com.


Stronger Dollar Sounds Great, But May Not Be


September Is “Suddenly” Nasty


Theory Alone Does Not Pay Bills


Mr. Market Has Given Many People A Gift



Take A Wild Guess What I’ll Say

r is now not only much higher, but it is unstable. The smart guys in the room can plan on a slowly, stable higher r. But higher and unstable r? Nope. Risky assets have taken note.



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📖 Book website: http://www.maximizeyourmedicare.com

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✅email info at gh2benefits.com

#personalfinance #finance #talk

— Maximize Your Medicare by Jae Oh



All insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.




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Good Debt, Bad Debt


In This Broadcast:
1. **Interest Rates and Debt Dynamics:** Rising interest rates significantly impact debt, from personal loans to national debt. Understanding the relationship between interest rates and debt is crucial for making informed financial decisions.

2. **Bond Market Volatility:** The bond market, which includes both individual bonds and bond funds, is sensitive to interest rate changes. Bond prices can fluctuate, affecting the value of bond investments.

3. **Government Debt Concerns:** The national debt, particularly in the United States, is growing, and the cost of borrowing for the government is also increasing. This can lead to a cycle where higher interest rates make it more challenging to manage the national debt.

Summary of the Video
In this video, we delve into the impact of rising interest rates on various forms of debt, ranging from personal finances to national debt. We discuss the importance of comprehending how interest rates affect debt and discuss the dynamics of the bond market, where bond prices can fluctuate due to interest rate changes. Additionally, the video touches on concerns related to the growing national debt and how higher interest rates can create challenges in managing it. Understanding these concepts is essential for making sound financial decisions in an environment of changing interest rates.




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The Benefits of Target Date Funds - A Guide to Retirement Investing



Information about Anne can be found online: https://annelester.com

3 Bullet Points with Takeaways
- Target date funds are an effective retirement investment option, especially for those who prefer a hands-off approach to managing their portfolios.
- These funds follow a "glide path" that gradually shifts the allocation from high-risk assets (like stocks) to lower-risk assets (like bonds) as the investor approaches retirement age.
- By simplifying investment decisions, target date funds help individuals avoid emotional pitfalls and achieve a balanced, diversified, and more reliable retirement savings.

Summary
In this informative video, Anne Lester, a former head of Retirement Services at JP Morgan, discusses the benefits of target date funds as a reliable option for retirement investing. Target date funds work on a "glide path," adjusting the asset allocation over time, becoming less risky as the investor nears retirement age. This feature helps mitigate the impact of market volatility and emotional decision-making, as the fund's allocation is professionally managed.

Anne highlights the importance of diversification and touches on the significance of providing a simpler investment approach for individuals who may not have the time, interest, or expertise to actively manage their retirement savings. Target date funds offer a do-it-for-me option that helps remove the burden of decision-making from individual investors.

Moreover, she explains the considerations in selecting the appropriate target date fund based on factors like desired retirement age, risk tolerance, and financial goals. The video emphasizes the significance of long-term planning and staying committed to the retirement savings strategy, while discouraging common pitfalls like early withdrawals and frequent adjustments.

In conclusion, target date funds are a valuable tool for individuals seeking a reliable and low-stress way to build their retirement savings. The simplicity and automatic adjustment of asset allocation make these funds a suitable choice for many investors who wish to secure a financially stable retirement future.



Watch on YouTube: https://youtu.be/XOR3FnKQ6JM


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Callers Get It Wrong | Medicaid & Medicare

Common Misunderstandings About Medicaid & Medicare | I Answered Callers Live

In This Video:
- There have been changes in the Medicare and Medicaid world, and the book addresses these changes.
- There is a process called Medicaid redetermination that is being implemented nationwide after a public health emergency. It involves re-examining the qualifications of Medicaid recipients.
- Medicaid recipients are receiving letters with questions about their financial resources for re-qualification.
- Medicare has notable changes related to prescription drug benefits, and there are ongoing concerns about the financial sustainability of the program.










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Estate Planning Mistakes and How to Avoid Them | Insights from Sanford Mall, JD


Sandy and I have known each other and have worked together for years. This video features an interview with elder law attorney Sanford Mall, discussing the importance of legal documents such as trusts, wills, and medical directives. The conversation highlights the significance of having a medical power of attorney and a financial durable power of attorney to make decisions on one's behalf when unable to do so. It emphasizes the need to avoid probate court by utilizing a revocable living trust and properly funding it. The interview also addresses the importance of keeping estate planning documents up to date and tailoring them to individual circumstances.

Legal documents like trusts, wills, and medical directives are crucial for individuals to protect themselves and their assets.
A medical power of attorney allows a chosen representative to make healthcare decisions when a person is unable to do so, while a financial durable power of attorney appoints someone to handle financial matters.
Utilizing a revocable living trust and properly funding it can help individuals avoid probate court and maintain control over the distribution of their assets.



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How To Solve Your Caregiving Crisis

Guest: Annalee Kruger, Founder of Care Right Inc (https://carerightinc.com)

In This Broadcast
In this video, Anna Lee Kruger, the president of Care Right Inc, discusses the caregiver crisis and the importance of proactive planning for aging parents. She emphasizes the need for families to have open communication and create an aging plan to ensure the best quality of care for their loved ones. Anna Lee explains that her consultancy company offers services to educate and guide families through the process, including creating a care matrix, researching care options, and providing ongoing support.

Highlights
- The caregiver crisis exists in every location, and it is essential for families to address it proactively.
- Open communication and creating an aging plan can help avoid caregiver burnout and family conflicts.
- Care Right Inc offers consultancy services to educate and guide families in making informed decisions about care options and implementing an aging plan.

From Annalee:
We know it takes courage to inquire for help with aging loved one's care needs. If the message in this podcast hit home for you and your family, we welcome you to schedule a complimentary 30-minute consult. Those who do schedule a consult, will receive a copy of Annalee's book, The Invisible Patient: the Emotional, Financial, and Physical Toll on Family Caregivers, which is jam-packed with tips and tools, including scripts for family meetings, understanding dementia, understanding caregiver burnout, checklists for touring care communities and how to interview home care companies, and much more. Mention this podcast when you schedule your consult at www.CareRightInc.com or call Annalee directly at 239.770.6322

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📆 Your private appointment https://calendly.com/justjae/
Free Medicare Guidance: https://bit.ly/3OpfOtG
📖 Book website: http://www.maximizeyourmedicare.com
🐦Twitter: https://twitter.com/JaeOhCFP
🐦Twitter: https://twitter.com/MaxYourMedicare#personalfinance #finance #talk
— Maximize Your Medicare by Jae Oh

Link to Free Quoting Tool: bit.ly/3mkygqb
email to info at gh2benefits.com




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