Retirement Planning

How A Company Misappropriated Native American Culture To Sell Health Insurance

Published

4 years ago

May 20, 2020

Jill Goodridge was shopping for affordable health insurance when a friend told her about O’NA HealthCare, a low-cost alternative to commercial insurance.

The self-described “health care cooperative” promised a shield against catastrophic claims. Its name suggested an affiliation with a Native American tribe — a theme that carried through on its website, where a feather floats from section to section.

The company promises 24/7 telemedicine and holistic dental care on its website. It says it provides more nontraditional options than “any other health care plan,” including coverage for essential oils, energy medicine and naturopathic care. All of that and conventional care, too.

It struck Goodridge as innovative. She signed up for a high-deductible plan, paying more than $9,000 in premiums and fees over 13 months, she said. Yet she could not get O’NA to cover her family’s medical bills. For example, O’NA applied only a small portion of more than $6,000 in hospital-related bills against her $10,000 deductible.

“It almost seemed like we were just spending the premium money every month for really not much,” said Goodridge, whose family runs a Rockland, Maine, restaurant that is temporarily shuttered because of the coronavirus pandemic.

A year-long investigation by the state insurance agency prompted by her complaint concluded she was right, uncovering a business scheme operating in the gray areas of insurance regulation and tribal law to appeal to patients looking to save money on health care.

Hers is a cautionary tale for anyone looking for cut-rate coverage at a time when the cost of commercial insurance is rising and a wide range of alternatives are on offer.

Tempting low premiums may mean skimpy coverage with huge out-of-pocket expenses.

“Health insurance is getting so expensive people are looking for other options,” Maine insurance Superintendent Eric A. Cioppa said. “We tell everybody that if you do business over the internet to call us first and make sure it’s licensed.”

O’NA stood out, with a polished website featuring its story of holistic health and sun-dappled photographs. The sales pitch: “We’re here to guide you to a new way for your mind, body, and soul.”

Goodridge felt led astray.

The company claimed Native American ties that would exempt it from state insurance regulations because of tribal sovereignty, which gives federally recognized tribes the authority to self-govern outside of state or federal law. O’NA claimed it did not have to adhere to federal insurance requirements, such as guaranteeing standard coverage or maintaining a designated level of funds in reserve to pay claims.

O’NA HealthCare appears to be the first insurer to claim that Native American status exempted it from oversight, according to the National Association of Insurance Commissioners.

The company advertised it was “comfortably nestled under a Native American tribal corporate umbrella” and “protected by the many rights and privileges that Native American Indians enjoy today.”

It sent its customers a “tribal membership ID & benefits card.” And it said it derived its status from an affiliation with the United Cherokee Nation-Aniyvwiya. That tribe is not one of the three federally recognized Cherokee tribes.

But the troubles with O’NA went deeper than that, Cioppa and his team discovered during a year-long investigation. Along with serious doubts that anyone involved with O’NA had valid indigenous roots, there were financial irregularities, allegations of embezzlement and phony professional credentials.

“The more we found out,” Cioppa said, “the more we wanted to keep digging.”

Jill Goodridge took a chance on a nonprofit “health care cooperative” sold online by a Native American company called O’NA HealthCare. After paying more than $9,000 in premiums and fees over 13 months, Goodridge says, she could not get O’NA to cover her family’s medical bills. (Shelby Knowles for KHN)

For Patients, A Tempting Offer With Red Flags

There was much about Goodridge’s new coverage that seemed unorthodox to the investigators.

She paid a tribal membership fee of $165, which the company said was a tax-deductible contribution to an unspecified Native American tribe. In addition to traditional medicine, O’NA said, its members could seek care at “Native American Tribal Healing Centers” nationwide, though it did not identify the centers or their locations. Goodridge also paid a family premium of $751 a month for 13 months before canceling, according to her testimony before the Maine Bureau of Insurance.

Stranger still, investigators found that O’NA required physicians to pay $485 a year to join its network. Her doctor declined.

On top of that, Goodridge testified, the plan did not pay out when needed, including much of that $6,000-plus hospital bill.

It turned out, that was not uncommon for a company that describes its services as “low cost, high value.” According to a state inspection of O’NA’s unaudited books in fall 2019, the plan spent an “unusually low” amount of the $2.5 million it collected in premiums to cover customers’ medical bills — just 13% or less. Under federal law, most insurers spend 80% or more on benefits for subscribers.

“However low its prices may be, the value it delivers is even lower,” Cioppa wrote in his December order.

Cioppa told KHN that state investigators could not determine the full scope of the operation, partly because O’NA, which boasted an “open provider network across all 50 states,” refused to tell them how many members it had signed up nationwide. It covered only 27 people in Maine.

O’NA’s bookkeeping also turned out to be suspect. Maine investigators observed that in 2019 O’NA paid few medical bills and didn’t keep enough cash on hand to handle even a couple of catastrophic illness claims, a violation of state insurance regulations.

Ultimately, Cioppa ruled that O’NA had illegally operated an insurance company, falsely advertised its benefits and failed to set aside adequate reserves to pay claims.

O’NA’s CEO, L.J. Fay, said the company is working hard to overcome past mistakes, noting: “We plan to make everything right. That is the ultimate goal.”

But in the meantime, Cioppa has prohibited O’NA from selling policies in the state.

The People Behind O’NA

Over the years, Benjamin Zvenia has presented himself at various times as a doctor, a lawyer and a tribal judge. O’NA was described by the United Cherokee Nation-Aniyvwiya as Zvenia’s “brainchild,” according to the Maine insurance bureau order.

He has a paper trail of criminal and civil infractions dating to the early 1990s, government records show.

In a sworn statement filed in Maine, Zvenia said he was a member and “administrative tribal judge” of the Nottoway Tribal Community Meherrin Band of North Carolina. That tribe is not among the 573 recognized by the federal government.

Zvenia also told Maine officials he served on the board of directors of Tribal Active Management Services, O’NA HealthCare’s parent company, but had not been paid for his “voluntary” services and had no responsibility for day-to-day operations. In a sworn statement, Zvenia denied playing a major role in O’NA. He did not respond to repeated requests for comment for this story.

Zvenia, in fact, has a criminal conviction in Nevada for practicing medicine without a license, which prohibits him from overseeing an insurance company, according to Maine officials. He was sentenced to six years in prison, court records show.

In his statement, Zvenia wrote, “There was a crime, and I did the time. My previous history may be public information, but it is not part of my accomplishments today.”

Zvenia’s legal work also has drawn scrutiny. In March 1999, the Nevada Supreme Court removed him from a list of non-attorney arbitrators, citing his undisclosed criminal conviction. A State Bar of Nevada investigation found Zvenia had applied to practice in immigration court, claiming to hold a law license issued by the Supreme Court of the Federated States of Micronesia. But the state bar checked with Micronesia, and it could not verify his claims.

Zvenia also told a state bar investigator that he graduated from the Kensington College “School of Law” in California. The college said Zvenia had applied in June 1994 but “never completed enrollment,” according to an exhibit filed with the Nevada Supreme Court order.

Jill Goodridge, whose family runs a restaurant in Rockland, Maine, joined a nonprofit “health care cooperative” that promised to cover traditional medical services and holistic therapies through its ties to Indian tribes. “They seemed to be innovative in the idea that you could see holistic doctors or naturopaths,” Goodridge testified during a Maine Bureau of Insurance hearing on Sept. 3, 2019. (Shelby Knowles for KHN)

A founder of O’NA HealthCare was Alan Boyer, a Utah musician who said he was a member of the Cherokee Nation. He was born in West Yorkshire, England, and emigrated to the U.S. in 1998, when he was nearly 40 years old.

Boyer was a founder of a British-style brass band in Utah but also dabbled in the holistic healing arts and naturopathic products before his death in December 2018 from cancer at age 59. In one promotional video for O’NA, Boyer, who spoke with a pronounced British accent, said the word O’NA means “new beginnings.”

“One of Alan’s greatest achievements in his later years was acceptance as a sovereign member of the great Cherokee Nation,” reads an online obituary entered into the record in the Maine proceeding.

Maine regulators had their doubts: “It does not appear from the record that any Native Americans have been involved at any time in the establishment, management or operation of O’NA,” reads the state order.

Lisa Hughes, the former CEO of O’NA and a resident of the Salt Lake City area, also raised Maine regulators’ eyebrows. Investigators found Hughes’ online résumé shows more than a decade of experience in rocket engineering and consulting work in Utah. She recently told Maine officials she had been hired at O’NA because of her prior experience in “systems development and cashflow analysis.”

In an affidavit and other legal filings filed in January, Hughes asserted she worked for O’NA for several years “with no or very reduced salary” before the company suspended her in July 2019 amid a corporate power struggle. The next month, O’NA sent her a letter from a law firm accusing her of embezzling $295,000, filings in the Maine investigation show.

In her affidavit, Hughes said O’NA concocted the embezzlement accusations “for purposes of smearing me and making me the scapegoat for O’NA’s legal formation and structure.”

Lessons Learned ― Or Not

In his December order, Cioppa gave the insurer until Jan. 21 to create a $100,000 fund to satisfy any outstanding medical claims. O’NA failed to do so, and now state officials are seeking a $450,000 penalty, though they aren’t optimistic about collecting it.

Today, O’NA has promised to reinvent itself as a “different type of insurance company,” according to CEO Fay. She said in an affidavit that it is anticipating a capital infusion of as much as $120 million and has $500,000 in reserves in a money market account in a Salt Lake City bank. She also indicated the company would file for a license to legally operate in Maine. So far, that has not happened.

Zvenia is still active online, offering professional and consulting services through Zvenia and Associates in Las Vegas, which says on its website that it is a “law firm guided by Benjamin Zvenia, Dr PH, JD.” The site posts a disclaimer: “All Nevada State legal matters are referred out; our lawyers & advocates are not licensed to practice Nevada State law.”

O’NA presents a new wrinkle in an ongoing conflict: The states regulate insurance but the internet allows for nationwide sales, leaving consumers basically on their own.

Goodridge, the Maine consumer who sparked the investigation, said in an interview that she holds little hope of getting any money back. But she has kept other Mainers from the same troubles.

Though O’NA health plans are still available in many states, its website notes that coverage is “not available in Maine.”

—————–

By: Fred Schulte, Kaiser Health News
Title: How A Company Misappropriated Native American Culture To Sell Health Insurance
Sourced From: khn.org/news/how-a-company-misappropriated-native-american-culture-to-sell-health-insurance/
Published Date: Wed, 20 May 2020 09:00:01 +0000

Retirement Planning

At Least 1.7M Americans Use Health Sharing Arrangements, Despite Lack of Protections

Published

5 months ago

July 6, 2023

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A new report has provided the first national count of Americans who rely on health care sharing plans — arrangements through which people agree to pay one another’s medical bills — and the number is higher than previously realized.

The report from the Colorado Division of Insurance found that more than 1.7 million Americans rely on sharing plans and that many of the plans require members to ask for charity care before submitting their bills.

The total membership numbers are likely even higher. The state agency collected data from 16 sharing plans across the U.S. but identified five other plans that did not report their data.

“These plans cover more people than we had previously known,” said JoAnn Volk, co-director of the Center on Health Insurance Reforms at Georgetown University.

Under the arrangements, members, who usually share some religious beliefs, agree to send money each month to cover other members’ health care bills. At least 11 of the sharing plans that reported data operated in or advertised plans in all 50 states in 2021.

Sharing plans do not guarantee payment for health services and are not held to the same standards and consumer protections as health insurance plans. Sharing plans are not required to cover preexisting conditions or provide the minimum health benefits mandated by the Affordable Care Act. And unlike health insurance, sharing plans can place annual or lifetime caps on payments. A single catastrophic health event can easily exceed a sharing plan’s limits.

In Colorado, at least 67,000 people were members of sharing plans in 2021, representing about 1 in 4 Coloradans purchasing health care coverage on their own. That rate concerns Kate Harris, a chief deputy commissioner of the Colorado Division of Insurance, which she said regularly receives complaints from sharing plan enrollees.

“What we hear from consumers is that when they purchase one of these, they do think there is some guarantee of coverage, for the most part, despite the disclaimers on many of the organizations’ websites,” Harris said.

The Colorado report found that health sharing arrangements often require their members to seek charity care or assistance from providers, governments, or consumer support organizations before submitting sharing requests. Those costs are then shifted to other public or private health plans.

Katy Talento, executive director of the Alliance of Health Care Sharing Ministries, which represents five of the largest and longest-operating sharing plans in the country, said sharing ministries encourage members to act like the uninsured people they are. Such requirements to seek charity care reflect a desire to be good stewards of their members’ money, Talento said.

“Think about it like a soup kitchen,” she said.

Fourteen sharing plans reported that Colorado members submitted a cumulative $362 million in health bills in 2021, and nearly $132 million of those requests were approved. The remainder, sharing plan executives told the division, reflected duplicative bills, ineligible charges, negotiated discounts, and the members’ agreed-upon portion of medical bills.

“It’s not like every claim line on a health care sharing request is going to be eligible for sharing,” Talento said. “They have to submit the whole bill. They can’t just pull out a piece of it.”

But consumer complaints to the Division of Insurance and to consumer assistance programs, such as the Colorado Consumer Health Initiative, show that members do not always realize what sharing plans will cover.

“We have seen firsthand the risks that people face when they sign up for these arrangements without recognizing the magnitude of the risk that they’re assuming for their health care costs,” said Isabel Cruz, the initiative’s policy director.

Talento disputed the notion that members don’t know the parameters of their sharing plans.

“That’s just suggesting that our members are dumb,” she said. “Is it likely that somehow our people are going to be willy-nilly jumping blindly into something?”

Theresa Brilli, a small-business owner in Longmont, Colorado, said she and her partner signed up for a direct primary care plan in 2017 that covered primary care visits for $179 a month. Direct primary care plans are payment arrangements between patients and providers for receiving health services without billing insurance. The plan had an arrangement with Liberty HealthShare, a Canton, Ohio-based sharing plan with more than 131,000 members nationwide, to cover additional services like preventive screenings, emergency room care, and hospitalizations for $349 a month with a $1,000 deductible. The rates increased to $499 a month, with a $1,750 deductible, in 2020, Brilli said.

But Brilli said getting payments was a major hassle.

“It took about four to eight months to get reimbursed,” she said. “It was a fight, every bill.”

When she heard about enhanced subsidies for ACA marketplace plans in 2022, she decided the hassle was no longer worth it and switched to a Kaiser Permanente plan for $397 a month.

“I will never go back to Liberty Health or a health care sharing plan,” she said. “I didn’t agree with the whole ministry thing. They made you sign off saying you believed in God, which was like, ‘Whoa, I guess that’s what I have to do to get my health insurance.’”

Laura Murray, 49, of Aurora, Colorado, said she signed up for a Liberty HealthShare plan in 2017 as a more affordable alternative to her husband’s employer-based plan.

“We kind of felt we were cutting out the middleman in a way, and it was a helping-out-your-neighbor sort of deal,” she said.

But when she became pregnant unexpectedly, she had trouble getting her health bills paid. Initially, Liberty paid only a portion of the tab, and her bills got sent to a collection agency. It was only through multiple calls that she learned she needed to send the bills to a third party that would negotiate with the providers.

“It took years to get it cleared up,” she said.

Timothy Bryan, Liberty’s vice president of marketing and communication, disputed many of the details of Brilli’s account and attributed some of the delay in payment to her “failure to submit the required supporting documentation.” Murray’s payments, he said, were delayed more than 10 months because she had failed to provide the required pre-notification.

Mike Quinlan, 42, of Denver, turned to a health sharing ministry in 2014 after the birth of his first child cost him more than $17,000 out-of-pocket, on top of nearly $24,000 in premiums that year, under an employer-sponsored health plan. He said the births of his three youngest children were covered in full by Samaritan Ministries International, a Peoria, Illinois-based sharing plan with 359,000 members, to which he contributes $600 a month. When he incurs large health expenses, he receives a slew of $600 checks from other members, he said.

Every year, Quinlan attests that he is a Christian and identifies the church he attends.

“This is a group of like-minded people who have said voluntarily we’re going to trust each other to cover each other’s health costs,” he said.

The rules differ from plan to plan. Some sharing plans require members to pledge to abide by Christian principles, and some exclude payment for out-of-wedlock births or health issues that arise from drug use. Many sharing plans exclude coverage of contraception, mental health services, and abortion, often with no exceptions for rape or safety of the mother.

Regulators in Colorado and other states have also expressed concerns that health sharing arrangements are paying brokers much higher commissions for signing up members than health plans do. That could create financial incentives to push sharing plans over health insurance without adequately educating consumers about the differences.

In 2019, Covered California, the Golden State’s ACA marketplace, instituted a requirement that its certified agents who sell both sharing plans and health insurance provide consumers with a list of disclosures about sharing plans and show them the subsidies they could receive for buying traditional health insurance coverage.

“It’s really important that consumers understand what these arrangements are, and what they are not,” said Jessica Altman, executive director of Covered California.

Harris said the Colorado Division of Insurance is investigating multiple health sharing arrangements based on consumer complaints but declined to name them.

Colorado officials are also concerned that health sharing arrangements might appeal primarily to people who don’t expect to use many health services. That could increase the proportion of sicker and more expensive patients among enrollees in traditional health insurance plans, driving up premiums.

Harris said many consumers can get a health plan for less than the cost of a sharing plan, particularly with increased federal and state subsidies put in place in recent years. State officials are also working to inform consumers of the financial risks associated with health sharing arrangements, some of which have gone bankrupt in recent years.

“It might look cheaper on its face, month to month,” Harris said. “But if they do really actually need their costs covered, there’s a real risk that they may not be.”

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

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—————–

By: Markian Hawryluk
Title: At Least 1.7M Americans Use Health Sharing Arrangements, Despite Lack of Protections
Sourced From: kffhealthnews.org/news/article/health-sharing-arrangements-ministries-protections-risks/
Published Date: Wed, 14 Jun 2023 09:00:00 +0000

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Retirement Planning

Give Yourself the Perfect Retirement Gift

Published

5 months ago

July 5, 2023

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Give Yourself the Perfect Retirement Gift

From day one, everyone looks forward to retirement, that day where they can finally let go of the stresses of the daily grind and spend their leisurely days traveling, reading and basically having fun. As compared to previous generations, we have longer life spans so we all expect our golden years to be fulfilling and rewarding.

Instead of waiting for people to help you plan your retirement, you should do it yourself. Although retirement planning is probably one of the most draining activities where one spends loads of time perusing over financial and brokerage statements, benefits brochures and insurance policies. One does this in terms of the benefits of long term planning: if one retires earlier, he/she will think and anticipate less on government-funded plans which only gives a pittance of a pension and focus more on the beauty of life.

Why Retirement Planning is Necessary

Obviously, retirement planning isn’t all about numerous hours of stress by chugging down numbers and analyzing mutual funds: it’s about fixing and deciding how you will live the final years of your life. If one can balance financially and plan fully on a retirement plan, rest assured that your future is secure.

But remember that retirement planning isn’t a singular activity. It is something that stretches forth to decades, spanning your 30s, 40s and 50s. In every decade, one must rethink their strategies since you are inching closer and closer to retirement, thus one must forgo risky investments and go to bonds and reliable mutual funds as the years pass by.

Build the Right Retirement Plan

A retirement plan must be suited to your risk tolerance and apparent need for cash when retirement comes. If you prefer a general 401(k) that has a good balance of everything, you may go for equal amounts of low-risk bonds and riskier stocks or you may also opt for an assortment of mutual funds that both have high-risk and low-risk funds.

Generally, risk tolerance is congruent to one’s age. If you are on your 20s or early 30s, you may opt for a more stock-saturated mutual fund in the hope of getting a good return because of the added risk stocks give. If ever the worst comes and you face some declines in the stock market, you still have a good 20 to 30 years to compensate for the losses.

On the other hand, if one is teetering on the 40s or 50s, it is necessary that one must go low-risk in his/her investments. One’s mutual funds must now be concentrated more on low-risk government bonds, which virtually assure no losses and minimum gain, if there will be no huge political crisis, of course.

If one follows this general age/risk rule, then one has better chance that one has an ample amount of cash to spend on the pleasures of life when retirement age finally comes.

Conclusion

One has always dreamt of traveling the world, playing golf all day and enjoying the best life can give. But one cannot do all that while working away in the office. Therefore one must give importance to the rising necessity of building a retirement plan.

It is probably as stressful as work itself, but if you can carry all that heap of information and mix it into the delicacy that is a finely tailored retirement plan, then rest assured that your dream of tasting and relishing the best of life is definitely reachable by 65.

Retirement Planning

Ends-of-the-World Every Year Since 1970

Published

3 years ago

August 14, 2020

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There always has been and always will be a reason not to invest or not to stay invested. This is all the mainstream media reports to us. Below you will find a list of some of the worst global events each year since 1970. I have some commentary to follow.

1970: War: US troops invade Cambodia.
1971: Civil Unrest: Anti-war militants march on Washington.
1972: Political: Start of Watergate Scandal.
1973: Economic: OPEC raises oil prices in response to US involvement abroad.
1974: Political: Nixon resigns as President of the United States.
1975: Political: Multiple assassination attempts on President Ford.
1976: World: Ebola virus.
1977: Political: Government shutdowns.
1978: Market: U.S. Dollar plunges to record low against many European currencies.
1979: World: Iranian militants seize the U.S. embassy in Teheran and hold hostages.
1980: Economic: Inflation spiked to a high of 14.76%.
1981: Political: President Reagan assassination attempt.
1982: Economic: Recession continues in the U.S. with nationwide unemployment of 10.8%.
1983: Economic: Unemployment in the U.S. reaches 12 million.
1984: Economic: 70 U.S. banks fail during the year.
1985: World: Multiple airplane hijackings around the world.
1986: World: Chernobyl Nuclear Power Station explodes.
1987: Market: DOW drops by 22.6% on October 22.
1988: Environment: Awareness of global warming and the greenhouse effect grows.
1989: Environment: Exxon Valdez dumps 11 million gallons of crude oil into Prince William Sound.
1990: World: Persian Gulf War starts.
1991: World: Mass shooting in Killeen, TX.
1992: Human Rights: Los Angeles riots following the death of Rodney King.
1993: Terrorism: World Trade Center bombing.
1994: World: Mass genocide in Rwanda.
1995: Terrorism: Oklahoma City bombing.
1996: Terrorism: Olympic Park bombing.
1997: World: Bird flu.
1998: World: Multiple U.S. embassy bombings.
1999: World: Columbine shooting.
2000: Economic: Start of the Dotcom Market Crash.
2001: Terrorism: Terrorist Attacks in NYC, DC & PA.
2002: Economic: Nasdaq bottomed after a 76.81% drop.
2003: World: The U.S. invades Iraq.
2004: World: The U.S. launches an attack on Falluja.
2005: World: Hurricane Katrina
2006: World: Bird flu.
2007: Economic: Start of the Great Recession.
2008: Economic: Great Recession continues.
2009: Economic: S&P bottomed after a 56.8% drop.
2010: Market: Flash crash.
2011: Market: Occupy Wall Street and S&P downgrades U.S. Debt.
2012: Political: Fiscal cliff.
2013: Political: Taper tantrum.
2014: World: Ebola virus.
2015: World: Multiple mass shootings.
2016: Political: Divided U.S. Presidential election.
2017: World: North Korea testing nuclear weapons.
2018: Economic: U.S. & China trade war.
2019: Economic: Student loan debt reaches an all-time high of $1.4 trillion.
2020: World: COVID-19.

While many of these events were undoubtedly terrible (and there are certainly others not named here that were worse), most of these were broadcast as end-of-the-world events for the stock market. Despite that attention, it is worth noting that these were, for the most part, one-time events. In other words, most faded into the newspapers of history. We moved on.

Obviously, some caused monumental shifts in the way the world works. Just think about how much air travel continues to be impacted by the events of 9/11. But, outside of the resulting inconveniences (if we want to call safety protocols inconveniences) associated with air travel, flying is safer than ever before.

Take a look at just about any of the events and you will find there are many that people will hardly remember. My point here isn’t that these events are to be ignored or that they were easy to stomach at the time, but that they have become a distant memory.

I want to also make the point that we should expect these types of negative events. As investors, we know these types of crises, economic catastrophes, and global phenomena are going to happen.

But in almost all cases, here is what we can say in the next breath – this too shall pass.

Will there be legal, humanitarian, economic, or some other aid required as a result of these events? Almost certainly the answer is yes, but that doesn’t mean it they won’t eventually fade into history.

Lastly, what’s worth noting is how the market has performed over these last 50 years despite the continual advertisements of the world crashing down around us. On January 2, 1970, the Dow Jones stood at 809 and the S&P at 90 -> those are not typos. These same indexes have grown (not including dividends) to 26,387 and 3,232 respectively. Amazing, no?

Perhaps what gets overlooked more than anything else is what separates the above one-time negative events from the positive stories that go largely ignored over our lifetimes. And that is a story worth telling. See the companion post below:

Unheralded Positive Events Every Year Since 1970

Stay the Course,
Ashby

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The post Ends-of-the-World Every Year Since 1970 appeared first on Retirement Field Guide.

—————–

By: Ashby Daniels, CFP®
Title: Ends-of-the-World Every Year Since 1970
Sourced From: retirementfieldguide.com/ends-of-the-world-every-year-since-1970/?utm_source=rss&utm_medium=rss&utm_campaign=ends-of-the-world-every-year-since-1970
Published Date: Tue, 04 Aug 2020 13:26:19 +0000

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