PAUL ADLER

Comments:

• What about using IBIK iShares iBonds TIPS etfs?

  Post: Giving Credit

  Link to comment from September 14, 2024

• Whatever Medigap (supplement) insurance company you pick for your Medigap plan check to see how many "closed block of business / closed risk pool" (deadpool) policies the company has. This is done because the current book of business have people who have become older and therefore have more illnesses meaning more claims (higher loss ratio). Insurance companies close that book and raise the rates to cover the increasing losses. Then, they open a new book with younger, healthier folks and charge a lower premium do to lower claims ratios. After a couple of years, rinse and repeat. In most states you will be unable to change supplement insurance companies without medical underwriting. A few states have a birthday rules that allows you to change Medigap plans without medical underwriting around your birthday.

  Post: Medigap pricing question

  Link to comment from September 3, 2024

• As of today—two and a half years later—that investment would still be down more than 5%, even including the interest income received along the way.

  What are the way that BND will recover its losses?

  Post: Question of Interest

  Link to comment from August 10, 2024

• Thanks for sharing your thoughts, Jonathan. What is your current thinking for a typical retired person at age 80 portfolio be for the allocation in stocks, bonds and cash?

  Post: Not Scared of Bears

  Link to comment from April 27, 2024

• If you are a follower of Bill Bernstein and believe if you "won the game stop playing" where do you keep those Monies?

  Post: Totally Your Choice

  Link to comment from March 30, 2024

• Whatever Medigap (supplement) insurance company you pick for your Medigap plan check to see how many "closed block of business / closed risk pool" (deadpool) policies the company has.

  Post: What Advantage?

  Link to comment from March 27, 2024

• There is no easy way to find deadpools. You can check your state insurance filing ( hard work) https://www.serff.com/serff_filing_access.htm Good YouTube on the subject is ( around 14:30 minutes into) https://www.youtube.com/watch?v=GE4S8XOdFtY Find a good broker that has a lot of experience and is not concerned about commissions.

  Post: Smaller Than It Looks

  Link to comment from February 26, 2024

• Whatever Medigap (supplement) insurance company you pick for your Medigap plan check to see how many "closed block of business." (deadpool) policies the company has. This is done because the current book of business have people who have become older and therefore have more illnesses meaning more claims. They close that book and raise the rates to cover the increasing losses. Then, they open a new book with younger, healthier folks and charge a lower premium do to lower claims ratios. After a couple of years, rinse and repeat. In most states you will be unable to change supplement insurance companies without medical underwriting. A few states have a birthday rules that allows you to change Medigap plans without medical underwriting around your birthday.

  Post: Smaller Than It Looks

  Link to comment from February 26, 2024

• I, too, plan to unwind my small cap value tilt, but now doesn’t seem to be the time.

  Can you please explain why you think this is not the right time to get out of value?

  Post: Happily Ever After

  Link to comment from December 16, 2023

• Problem is, that means abandoning my portfolio’s overweighed positions in value stocks, smaller companies and emerging markets.

  For the past 13 years I have the same problem. I own DFQTX (DFA U.S. Core Equity II). I was told by a hourly adviser, once you make a decision to go with value it is for a lifetime. I also what like to rotate out of value but are concerned about doing the wrong thing since I am in retirement. Again another excellent article.

  Post: Happily Ever After

  Link to comment from December 16, 2023