Josh Scandlen Podcast

Fakery abounds in our news media, I'm afraid to report. Ben Rhodes, a big wig with the Obama Administration said about the news media in regard to their coverage of foreign affairs: "The average reporter we talk to is 27 years old, and their only reporting experience consists of being around political campaigns. That’s a sea change. They literally know nothing.” Unfortunately, the media is also just as bad at pushing false narratives for domestic issues too. In this episode, I read from an article which tore apart the "study" conducted by Elizabeth Warren and a Marxist physician, both from Harvard which was used as complete propaganda to scare people that health costs caused the majority of bankruptcies. The study was click bait. The media fell for it, hook, line and sinker and then offered their own version of click bait to further the dialogue. They were so successful that nearly EVERYONE seems to think that bankruptcies are caused by medical expenses. Yet, the study said no such thing. Sadly, the st

This episode is so much more than just talking about Medicare planning in Kansas. Jae Oh, from www.maximizeyourmedicare.com, discusses a wide, wide range of medicare planning issues here. Yes, Kansas is front and center, but listen closely as we veer into planning ideas that you should be aware regardless of where you live. It's a big deal folks. You simply don't have room to make mistakes. As always you can find Jae at his Youtube channel https://www.youtube.com/user/MaximizeYourMedicare Sign up for his podcast and newsletter as well go to www.maximizeyourmedicare.com Don't forget to go to my own website at www.heritagewealthplanning.com --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Jae Oh is back to discuss Medicare Planning in Kentucky. But we go beyond that, big time, in this episode. Trust me, there'll be something for ALL to learn if you live in the great Commonwealth of Kentucky or not. You can sign up for Jae's weekly newsletter at www.maximizeyourmedicare.com. And go to his Youtube channel here https://www.youtube.com/user/MaximizeYourMedicare As always, feel free to visit my website too at www.heritagewealthplanning.com --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

If you can qualify for Medicaid you definitely need to know the rules that govrern the dual eligibility program when it comes to Medicare and Medicaid partnership. DId you know you may be eligible for hundreds of dollars of vouchers to buy the things you'd use daily, things like vitamins, dental floss, all kinds of stuff that you are currently spending your own money on? Having a problem getting transportation to and from your doctors office? The Medicare and Medicaid partnership may have vouchers for you in this capacity too, where you can even use different providers! Oh you don't qualify for Medicaid, so what's this podcast to you? I guarantee you there are people in your church group, in your veterans affilation, in your community who qualify and are ignorant about the benefits of the Medicare and Medicaid Dual eligibility program. Help them out by learning the system and how they can increase their lifestyle even by a tiny amount. When you're poor, EVERY bit helps! Visit Jae's website here: www.m

The 4% rule does NOT take investment fees and taxes into consideration. In this video I show exactly what happens when you add fees and taxes to the mix. If you're paying for investment advice, you're going to want to revisit your retirement planning. (In case you're wondering - YES I did just do a video similar to this two days ago. But I deleted it by accident! UGH. However, I wanted to do it again, as it's so important in the retirement planning discussion.) ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers!

Medicare Disability can take up to 24 months after one is officially approved for disability. I had NO clue. This is crazy. In the example, a man was getting lung cancer treatment on March 2012 and Brain treatment in November in the same year. He was approved for disability in December 2013, nearly 2 years AFTER his lung surgery. But the rules say you can't receive Medicare disability until 2 years AFTER you were approved! So, in this case, it will be December 2015 before he is actually receiving Medicare. What happens before then? Long term disability??? NO! That only includes payments for missed wages, at a large reduction by the way. Cobra??? Ummmm, that only covers you for 18 months after you separate from service. And COBRA isn't cheap either. Trust ME on that. So, what happens? I do not know. And would love to hear comments if anyone has gone through this. This can be devastating. ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If yo

Words can't do justice to the incredible story I share with you here, that happened to me. Coincidence? Nah. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

The VAST majority of us will not itemize our tax returns so STOP focusing on what things you can deduct. The main one, of course, is the mortgage interest deduction. It's just not going to happen for the vast majority of taxpayers. So, when someone says "you need a mortgage for the deduction", please, I'm begging you, RUN!!! I show you exactly how this works in this episode. https://fas.org/sgp/crs/misc/R43012.pdf --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

https://academic.oup.com/rof/article-abstract/15/2/441/1593604 You need to understand why survivorship bias is and how it could affect you. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Life insurance gets a BAD wrap. Financial planners can't stand it. Investment managers can't stand it. The general population, like Suze Orman et al, can't stand it. With all these people who can't stand life insurance, how in the world does it still exist? Because it's a GREAT product, when used correctly! Life insurance is one of those products that when operating on full throttle should not be overlooked because the benefits are huge. First and foremost are the obvious benefits: You can create a sizable, tax-free estate, with pennies on the dollar. There is NO other product available out there that has the same ability. Nothing. Obviously, in this case, the insured needs to die before the estate is created and that stinks. But that's just one of the benefits of life insurance. Cash value in life insurance grows TAX FREE. You have access to that cash POTENTIALLY tax free. (There are many pitfalls to consider before taking a loan against your policy, just be advised). You can fund your insu

Jae Oh, CFP shares with us all you need to know about Medicare Planning in the Hoosier state. So if this is something important to you, as it SHOULD be, you've come to the right place. As always, subscribe to Jae's newsletter and podcast at www.maximizeyourmedicare.com. And of course, go to my website at www.heritagewealthplanning.com as well. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Jae Oh, CFP, is back to discuss Medicare Planning in the great state of Iowa. Pleasantly surprised, I was, to learn about the options available to residents in Iowa. As always, if you like Jae's stuff, subscribe to his podcast and his newsletter at www.maximizeyourmedicare.com. Don't forget to go to my website at www.heritagewealthplanning.com or my Youtube channel at www.youtube.com/heritagewealthplanning Thanks! --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Illinois could be a precursor of what's to time for state budgets across the country. This could have HUGE impacts on your health insurance, especially if you were relying on the state retirement plan to provide benefits. So, even if you currently have retiree health benefits through your employer it behooves you to understand Medicare, Medigap and Medicare Advantage plans. Facts are, while employers may not have the ability to reduce pensions because pensions were contractually agreed to, the same can't be said for health benefits. It's up to YOU to understand your options. Thankfully, Illinois isn't a crazy expensive state when it comes to Medigap and there are numerous Medicare Advantage plans available for you too. So listen in to see what everyone's favorite health care expert, Jae Oh, has to say about planning in Illinois. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Mitchell Chadrow, from the Listen Up Show, interviews me for his radio show. His show focuses on all things small business; being self-employed, business building, etc. Definitely a lot of great content over there at: http://mitchellchadrow.com from his podcast to his blog and the webinars he hosts. So, don't make yourself a stranger. Visit his site. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Jae Oh, from maximizeyourmedicare.com, and I discuss Medicare options in Idaho. Lots of changes coming down the pike for 2019 so you need to stay informed, my friends. Don't be caught off guard. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Jae Oh, from maximizeyourmedicare.com, and I discuss Medicare options in Hawaii. Lots of changes coming down the pike for 2019 so you need to stay informed, my friends. Don't be caught off guard. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

If Social Security is on your mind, THIS is your episode. Why? Because no one knows Social Security better than Elaine Floyd from Horsesmouth.com. Elaine has been instrumental in my professional life as a financial advisor. The stuff I know I know from her. In this episode, Elaine share's with us her personal story on Social Security planning, as a divorcee, widow and then her own benefit record. She also mentions how she increases her benefits each year with her continued working even after she turned 70. You're going to learn a lot. So, listen closely and, rewind the tape, to listen again...and again. --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Are you interested in learning how to build an online presence, either for a business or a personal brand? Well, this will be your episode indeed! I bring on Jessica Stansberry from: https://www.youtube.com/jessicastansberry and http://jessicastansberry.com/. Jessica's Youtube tutorials are a must for anyone who is interested in building a presence online. I came across Jessica by accident actually when I was trying to learn techniques for Facebook advertising. All the other folks were saying "don't do this, don't do that..." But I was like, "but I want to do it like that...just I need to know how!" Here comes Jessica to show me EXACTLY what I need to know, which, again, was not what everyone else was saying. And lo and behold, her techniques have paid dividends for me. So, follow Jessica on Youtube. If you're interested in learning more buy her course. She will help you get started in building a business online. Who knows where that might lead. --- Support this podcast: https://anchor.fm/jos

Jae Oh, CFP and I again discuss Medicare planning. This time we focus on the Peachtree state of Georgia. Jae shares some insights into what you can expect for Medicare options here in Georgia. He uses a 65 year lady in Fulton County as a starting point. Georgia, by the way, is one of the few states to have a 5 star Medicare Advantage plan too. Lots of choices in Georgia and decently priced Medigap policies make Georgia a nice state for health coverage. Remember, folks, there will be a LOT of changes for Medicare Advantage plans announced in October. Maybe some of the biggest changes you've ever seen. So, if you are on a Medicare Advantage plan you've got to be paying attention. Georgia, by the way, is one of the few states to have a 5 star Medicare Advantage plan too. S --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support

Jae Oh, CFP from www.maximizeyourmedicare.com comes back on the Podcast to discuss how Medicare planning in Florida. A very, VERY complicated state down there, my friends. Just be advised. Jae will be giving a talk in Tampa on October, 9th. This will be a must-see event as the changes that are going to be implement for 2019 will be unveiled in October. Bring your questions! --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support