{"id":5980,"date":"2016-07-18T08:45:13","date_gmt":"2016-07-18T15:45:13","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?p=5980"},"modified":"2016-07-15T09:04:44","modified_gmt":"2016-07-15T16:04:44","slug":"well-i-guess-thats-thator-is-it","status":"publish","type":"post","link":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/","title":{"rendered":"Well I Guess That\u2019s That\u2026or Is It?"},"content":{"rendered":"<p><span style=\"font-size: 18pt;\"><strong>Well I Guess That\u2019s That\u2026or Is It?<a href=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png\"><img loading=\"lazy\" decoding=\"async\" class=\" size-full wp-image-6028 alignleft\" src=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png\" alt=\"Screen Shot 2016-07-15 at 9.03.46 AM\" width=\"359\" height=\"346\" srcset=\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png 359w, https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM-300x289.png 300w\" sizes=\"(max-width: 359px) 100vw, 359px\" \/><\/a><\/strong><\/span>Here we sit just a few months before the presidential election&#8230; Folks following Mrs. Clinton are pleased with her progress. Folks for Mr. Trump keep saying he seems to be made of Teflon. Whatever pops up in his past or pops out of his mouth doesn&#8217;t seem to greatly discourage his support. Mr. Sanders seems to be quieting his campaign and supporting his party. The republicans are trying to acquiesce and unify their constituents. Wouldn&#8217;t it be great if we had someone we could all agree on and proudly support. This year seems more divided than in years past. Small business owners are battling high costs of healthcare, even though actual healthcare insurance costs are lower than before the Affordable Care Act; but they were not required to pay for health insurance. This is a new expense. The costs of complying with the flood of new regulations is taking away from pay raises and investment. Big business is forced to comply with a similar flood of regulations which is increasing employment but not on the income side of the equation. The new employees are a drain on profits, which lowers investment and innovation. Bottom line, we are in for a volatile ride. Markets are reacting to the election fuss with indecision. We have essentially remained flat for the past 16 months. No market growth. We are still having trouble employing our newly graduated, senior managers, and near retiree workers. The average income has actually decreased over the past 15 years if we include inflation. So, what&#8217;s the solution&#8230; Involvement, we need to get involved with our city, county, state and federal elections. We need to encourage and foster good, oldfashioned citizenship, based on hard work and solid ethics. Are the millennials the answer? Perhaps! Remember the hippies, they were the cause of the greatest generation of innovation in over 100 years. I guess only time will tell.<\/p>\n<p>&nbsp;<\/p>\n<a href='https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/2016-JULY-Newsletter-FINAL-www.americanretirementadvisor.com_.pdf' class='small-button smallblue' target=\"_blank\">To read the full July 2016 Newsletter Click Here!<\/a>\n","protected":false},"excerpt":{"rendered":"<p>Well I Guess That\u2019s That\u2026or Is It?Here we sit just a few months before the presidential election&#8230; Folks following Mrs. Clinton are pleased with her progress. Folks for Mr. Trump keep saying he seems to be made of Teflon. Whatever pops up in his past or pops out of his mouth doesn&#8217;t seem to greatly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5980","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David Schaeffer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/\"},\"author\":{\"name\":\"David Schaeffer\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874\"},\"headline\":\"Well I Guess That\u2019s That\u2026or Is It?\",\"datePublished\":\"2016-07-18T15:45:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/\"},\"wordCount\":358,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/\",\"name\":\"American Retirement Advisors 800-568-1095 Expert Advice\",\"isPartOf\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png\",\"datePublished\":\"2016-07-18T15:45:13+00:00\",\"description\":\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER\",\"breadcrumb\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage\",\"url\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png\",\"contentUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/americanretirementadvisors.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Well I Guess That\u2019s That\u2026or Is It?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#website\",\"url\":\"https:\/\/americanretirementadvisors.com\/\",\"name\":\"American Retirement Advisors\",\"description\":\"Expert Retirement Planning Advice\",\"publisher\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/americanretirementadvisors.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#organization\",\"name\":\"American Retirement Advisors\",\"alternateName\":\"ARA\",\"url\":\"https:\/\/americanretirementadvisors.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/07\/ARA-Long-Color-with-Tag-scaled.png\",\"contentUrl\":\"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/07\/ARA-Long-Color-with-Tag-scaled.png\",\"width\":2560,\"height\":850,\"caption\":\"American Retirement Advisors\"},\"image\":{\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AmericanRetirementAdvisors\",\"https:\/\/www.youtube.com\/americanretire\",\"https:\/\/www.instagram.com\/123easyretire\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874\",\"name\":\"David Schaeffer\",\"description\":\"For over 12 years, David Schaeffer has been advising folks just like you on how to navigate the mysteries of Medicare. Thousands of retiree\u2019s including past employees of American Airlines, Banner Healthcare, Boeing, Honeywell, IBM, Intel, Pitney Bowes, and the State of Arizona have gone to Mr. Schaeffer for his expertise in transitioning from group and individual health plans to Medicare. You may recognize Mr. Schaeffer from his articles on the changes in Medicare in \u201cThe American Retirement Advisor\u201d on Money Radio 1510am. Additionally he has founded several online self service web sites to provide research previously not available to the general public, such as 123Easy Medicare.com, providing side by side comparisons of every choice facing a person new to Medicare. Mr. Schaeffer is one of only 7000 retirement planners to have been awarded the Certified Senior Advisor (CSA) designation in the United States. This designation certifies his proficiency via 20 part program covering retirement planning and finances and of course healthcare planning. Mr. Schaeffer lives in Cave Creek with his wife, Thea, and their two children; when he\u2019s not busy educating retiree\u2019s on ways to preserve their quality of life, he likes to work on lowering his golf handicap.\",\"url\":\"https:\/\/americanretirementadvisors.com\/author\/theadmin1\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"American Retirement Advisors 800-568-1095 Expert Advice","description":"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/","twitter_misc":{"Written by":"David Schaeffer","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#article","isPartOf":{"@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/"},"author":{"name":"David Schaeffer","@id":"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874"},"headline":"Well I Guess That\u2019s That\u2026or Is It?","datePublished":"2016-07-18T15:45:13+00:00","mainEntityOfPage":{"@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/"},"wordCount":358,"commentCount":0,"publisher":{"@id":"https:\/\/americanretirementadvisors.com\/#organization"},"image":{"@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage"},"thumbnailUrl":"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png","inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/","url":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/","name":"American Retirement Advisors 800-568-1095 Expert Advice","isPartOf":{"@id":"https:\/\/americanretirementadvisors.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage"},"image":{"@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage"},"thumbnailUrl":"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png","datePublished":"2016-07-18T15:45:13+00:00","description":"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. IRA, Annuity, 401k, Safe Savings, Never lost a penny of my clients money EVER","breadcrumb":{"@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#primaryimage","url":"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png","contentUrl":"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2016\/07\/Screen-Shot-2016-07-15-at-9.03.46-AM.png"},{"@type":"BreadcrumbList","@id":"https:\/\/americanretirementadvisors.com\/well-i-guess-thats-thator-is-it\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/americanretirementadvisors.com\/"},{"@type":"ListItem","position":2,"name":"Well I Guess That\u2019s That\u2026or Is It?"}]},{"@type":"WebSite","@id":"https:\/\/americanretirementadvisors.com\/#website","url":"https:\/\/americanretirementadvisors.com\/","name":"American Retirement Advisors","description":"Expert Retirement Planning Advice","publisher":{"@id":"https:\/\/americanretirementadvisors.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/americanretirementadvisors.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/americanretirementadvisors.com\/#organization","name":"American Retirement Advisors","alternateName":"ARA","url":"https:\/\/americanretirementadvisors.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/americanretirementadvisors.com\/#\/schema\/logo\/image\/","url":"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/07\/ARA-Long-Color-with-Tag-scaled.png","contentUrl":"https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/07\/ARA-Long-Color-with-Tag-scaled.png","width":2560,"height":850,"caption":"American Retirement Advisors"},"image":{"@id":"https:\/\/americanretirementadvisors.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AmericanRetirementAdvisors","https:\/\/www.youtube.com\/americanretire","https:\/\/www.instagram.com\/123easyretire"]},{"@type":"Person","@id":"https:\/\/americanretirementadvisors.com\/#\/schema\/person\/5572a51be4fd98c2a88945215f1b7874","name":"David Schaeffer","description":"For over 12 years, David Schaeffer has been advising folks just like you on how to navigate the mysteries of Medicare. Thousands of retiree\u2019s including past employees of American Airlines, Banner Healthcare, Boeing, Honeywell, IBM, Intel, Pitney Bowes, and the State of Arizona have gone to Mr. Schaeffer for his expertise in transitioning from group and individual health plans to Medicare. You may recognize Mr. Schaeffer from his articles on the changes in Medicare in \u201cThe American Retirement Advisor\u201d on Money Radio 1510am. Additionally he has founded several online self service web sites to provide research previously not available to the general public, such as 123Easy Medicare.com, providing side by side comparisons of every choice facing a person new to Medicare. Mr. Schaeffer is one of only 7000 retirement planners to have been awarded the Certified Senior Advisor (CSA) designation in the United States. This designation certifies his proficiency via 20 part program covering retirement planning and finances and of course healthcare planning. Mr. Schaeffer lives in Cave Creek with his wife, Thea, and their two children; when he\u2019s not busy educating retiree\u2019s on ways to preserve their quality of life, he likes to work on lowering his golf handicap.","url":"https:\/\/americanretirementadvisors.com\/author\/theadmin1\/"}]}},"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p6z8IX-1ys","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/posts\/5980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/comments?post=5980"}],"version-history":[{"count":4,"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/posts\/5980\/revisions"}],"predecessor-version":[{"id":6029,"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/posts\/5980\/revisions\/6029"}],"wp:attachment":[{"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/media?parent=5980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/categories?post=5980"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/americanretirementadvisors.com\/wp-json\/wp\/v2\/tags?post=5980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}