Bogleheads.org

I would dump it. We had a 2009 and had to get rid of it in 2019 because it was starting to show signs of a premature CVT failure. See https://www.motorverso.com/nissan-muran ... -to-avoid/

OA: Type: Hybrid Monthl Benefit: $6000 (3% adj.) Benefit term: Unlimited LTC elimination period: 90 days Home care elimination: 0 days Death Benefit: $150k (0% adj.) One time premium: $150k Questions: 1. The policies have different elimination periods. Can I normalize the policy costs by adding $18k to the NGL policy ($9k for 3 months of $100/day home care and $12K for 3 months of $200/day LTC that I wouldn't have to pay with the OA policy)? 2. After 30 years of 3% inflation the $150k death benefit turns into $62k real. Does the prospect of the death benefit plus the elimination period "credit" from question 1 (if you think that is legitimate) make the hybrid policy a better deal? Is that OA quote just for you? It appears we are ...

<snip> coverage. Of course I included all of the care costs that would be incurred beyond the coverage benefit. I also ran separate projections that assumed the care will be needed by my spouse 10, 20, 30, and 40 years from now. There were small differences, but the result was roughly the same in all cases. That may have been somewhat of a coincidence due to the assumptions that I used though. <snip> You left out the most important assumption: When does the first spouse need care? when you think about it, isn't that the most important assumption? As quoted above, I tested it at 4 different time points going out 40 years and I believe I've optimized it to show the maximum benefit from the coverage. I modeled it with the first need for care ...

I've been trying to find the value in the LTCi options available to my wife and I. We can purchase an annuity that would allow us to get a long term care rider. Roughly speaking, we would put down $120k for the annuity now and pay $1600 a year for a rider which provides an additional 30 months of coverage. The payout would start at ~$4k/month with a compounded inflation adjustment of 3%. The first 30 months of coverage would come out of the annuity, then the rider would kick in for up to 30 additional months. If we never receive any LTC payments, we would receive cash value of the annuity with a return of ~2.5% nominal. We have no specific legacy goals though, so that isn't really a factor for us. The cost of higher levels of coverage would...

While skimming through this thread I was reminded that I was once steadily crushed by one of the Nakamura brothers (I think Hikaru). I checked my USCF history but it wasn't in there - which likely means it was when he was no more than 9 or 10 years old and I was closing in on 30. I believe it was the last round at a US Eastern Amateur Team event. I remember my other 3 teammates had already lost their games and they were happy that we could head home after he finished rolling me up.

There are a number of ways to accomplish this. All require that you purchase and maintain a domain name registration. That is going to cost between $9 and $15 a year, with most registrars charging ~$12. Cloudflare is probably the cheapest and I think there is good reason to host your domain separately from your email, but unless you are technically inclined, it is far easier to go with Google or other popular registrars. One advantage of Google is that you can relatively easily set up email forwarding from your domain (see https://support.google.com/domains/answer/6328630?hl=en). That would allow you to continue to use your current gmail account (if you have one), but still receive and send email from/as your custom email address. Instead o...

@jlacasci - are your quotes for traditional LTC policies and not a hybrid product? What is the elimination period? Have you looked into joint coverage? My understanding is that it is much less expensive to purchase a joint policy than separate individual policies. I agree that 3% compound inflation is unlikely to keep pace with the cost of LTC, but policies with 5% inflation seem to cost about twice as much. Finding the right duration for coverage is difficult, but 4 years doesn't sound unreasonable. Perhaps the worst case scenario would be if one of us lives a long, healthy life and the other lives a long unhealthy life in need of skilled nursing. It would be nice to cover such cases, but I'm having a hard time justifying spending or setti...

Thanks for all of the replies. Based on the replies so far and some of my own thoughts, I've summarized some possible risk mitigation strategies below. Any reaction to these or other ideas? <long list snipped> FWIW, I think that is a great summary. I doubt the average retiree could afford to implement anywhere near all of them and have enough left over to enjoy their retirement, but it'a at least a good starting point to prioritize and begin addressing these concerns. I hadn't thought about maintaining a standing home equity line of credit, but I like it. One difficulty that is often called out with self-funding long term care (even partially) is the sudden need to generate significantly more cashflow. A line of credit could at least buy a...

There is no mention of an inflation adjustment. If there isn't one, then these policies sound crazy expensive to me. Presumably this is being offered without medical underwriting though, which is likely a big part of why it is so expensive and why some might still consider it. Those who can qualify for a traditional policy can, and likely will, do much better on their own.

Long term care insurance (LTCi) is sometimes categorized as either providing short and fat coverage - higher payouts for a shorter duration, or long and thin coverage- lower payouts for a longer duration. I understand that if you exceed your short and fat benefits, you would essentially exhaust any remaining assets and then medicaid would pay for your care; however, I'm not clear on what would happen if you have long and thin coverage and run out of assets to cover the difference between your coverage and the actual cost of care. Would Medicaid pay the difference or a portion thereof? If it is only a portion, is a higher-end facility likely to accept that amount? If you ran out of funds after paying for 3+ years of care, I would hope you wo...

shunkman wrote: ↑Fri Feb 03, 2023 7:13 am Did you try using PA's online application for state tax filing? It is free and has worked well for me.

+1 I do taxes for several family members and I file most of the state returns using the PA myPATH site. I pay H&R Block to e-file returns with many 1099s though because I am too lazy to enter more than a handful of them.

I also added one yesterday. I thought I was just lucky so I didn't even try another account. I guess I'll get to work on them today.

One small issue was that I forgot to check the box to make the new account the primary, then the site wouldn't let me edit the new account nor delete the old primary account. Instead, I got an error message saying to email or call to have them make the change. I emailed (via the message system), but got a message back basically saying they are too busy to respond to emails so I should call. It also said their phones are busy, so expect a long wait. Baby steps I guess.

Another consideration for type A (lifecare) CCRC's is that when you are ready to make that move, you may not be healthy enough to qualify. I am far from an expert, but my understanding is that if you already have LTCi, you may qualify for a type A contract even if you have health issues that would otherwise disqualify you. Of course it will depend on how much LTCi you have and what your health issues are, plus you still might not qualify. I'm not knocking the CCRC option though as that will probably be the best option for us - not necessarily financially, but practically. Unfortunately, there is no way to be sure that we will be able to find and qualify for a good one at the right time for us. I also read somewhere (probably here) that CCRC...

I've had Erie auto for 30+ years and they've always been very easy to work with on auto claims. A couple of different auto body shops I've used have commented on how they allow them to do the job right and get properly compensated. I also have them for home insurance, but never made a claim. With that said, a brief skim of online reviews for Hanover suggest that they could be a good alternative to Erie so I may get quotes from them. Of course I won't switch unless there are clear and significant savings and/or benefits, plus I'd do more research on them.

I think there are at least 2 different reasons for people to have trouble spending money in retirement. 1. They just don't know if they will have enough. Or they may know it in their heads and not know it in their gut/emotions. 2. There are other folks who know they have enough, even more than enough, but they just cannot make the mental switch. Even though they can afford to do it, they refuse to pay $6.99 for a dozen eggs this week because they used to cost $1.99. +1, this is exactly what I was thinking. I am not ready to make that move yet, but I am inclined to secure a comfortable level of income via one or more SPIAs because I believe it will be freeing. I think that will take away one part of the 'problem', although LTC is a great un...

+1 to it being reasonable - especially if it brings you peace of mind. If you aren't already, you might consider moving some of your emergency fund into higher earning, but slightly less liquid investments. Many years ago I wasn't maxing my 401k, but I maxed out my Roth IRA contributions with my "emergency" funds each year, all invested in a fund with a modest, but guaranteed return (TIAA Traditional). Years later I withdrew my contributions for the down payment on our home. It would have been nice to keep them there, but it was clearly the best option for us at the time (even in hindsight). You don't need to use a Roth though and there are more than a few higher yielding investments that are only slightly less liquid than cash bu...

I've been getting the same nudges, but I haven't had to consolidate my logins yet. I mentioned it when speaking with an Amex rep about something else and was told that the consolidation is being done because people want an app to access their savings accounts and Amex doesn't want to build a separate app for it. Instead it will be rolled into their existing credit card app - hence sharing the same login.

It probably isn't rational, but I don't like the idea of having access to significant emergency savings on my phone. I've moved nearly all of those funds into a brokerage account and am purchasing short term treasuries instead. They've been earning far more than Amex pays and I suspect they will always earn more.

I haven't had any luck adding our bank accounts to my spouse's TD account, using the exact same information I used to enter them to my account last week. I keep getting the unavailable message - at all hours of the day/night. I am going to try to get through on the phone this week to see if a phone rep can add them. That worked when I encountered this situation last year.

For about a decade or so my wife's employer offered a 50% rebate if she didn't take healthcare - based on what it would cost them if we both signed up for it! At some point they capped it (I think @ $5k/yr), then finally completely discontinued it. At that point we switched from my insurance to hers and I tried for a decade or so to get my company to offer cafeteria-type benefits. There was a bit of a general push in that direction at the time so they mulled it, but it was a hard sell. I think there are just too many people in this situation so it would cost them much more. Not to mention that one could argue that a fair implementation would give the same total benefit to every employee, which would mean a married person with kids would be ...

I’m sad for anyone who hadn’t experienced the kind of work that is its own reward, or the concept of work being its own reward, or the feeling of obligation or a calling to service. I think I understand and agree with what you are getting at. Certainly many people spend their entire career doing work that is not especially intrinsically rewarding. That may be due to circumstances which are largely out of their control and/or because they are OK with following the money at work and getting personal fulfillment elsewhere. I suspect I am not built for the latter, but perhaps others are. I held basically the same job with the same company for nearly 30 years. It started out being very fulfilling, but became much less so as the years went by an...

Has anyone been able to link an Amex Savings account lately? I linked one a year ago but now I can't link a new one. I got a rep on the phone and he couldn't do it either. He just said it failed the verification and I should mail in the form. I had called a few months ago and the rep couldn't link my credit union account either. There aren't any branches within a 100 miles, so getting the form wouldn't be easy. I'd hate to open another account just for this, but I may have to. Update: last week I changed the name on my Amex account so that it exactly matches my name on treasurydirect.gov. Today, in the middle of the afternoon, I logged into TD and successfully added the Amex account. I guess I figured out the problem - right? Just for gigg...

t worked smoothly for three accounts. After deleting the fourth one, when I tried to re-add it, I received the dreaded "TreasuryDirect is unavailable" error. :( I believe that error is just due to congestion. I have been largely successful in avoiding it by trying at off-hours. I have almost no luck with it mid-day. In case it might be of use to someone else, when I first tried to add my AmEx account I ended up getting that bank account locked with a note that I'd have to send in the form. I couldn't retry it and I couldn't delete it, but a rep was happy to just delete it for me when I called in. I have since slightly adjusted how my name was listed on my AmEx account in case that was causing the problem. I am not going to try it...

Has anyone been able to link an Amex Savings account lately? I linked one a year ago but now I can't link a new one. I got a rep on the phone and he couldn't do it either. He just said it failed the verification and I should mail in the form. I had called a few months ago and the rep couldn't link my credit union account either. There aren't any branches within a 100 miles, so getting the form wouldn't be easy. I'd hate to open another account just for this, but I may have to.

I have a relatively small amount of 529 funds in an account that won't be used for qualified expenses so I just looked into the new SECURE 2.0 IRA transfer. It appears the account it is transferred to must be in the name of the beneficiary. That isn't going to work in my case. I could change the beneficiary to myself and do the new 529 transfer, but step one for a beneficiary change in Pennsylvania is to open a new account. I presume that means I'd have to wait 15 years before I could transfer it to my Roth. That may not be how it works in other states though since the Kitces.com article speculates that a beneficiary change might not trigger a new waiting period. Given the amount involved, I'm inclined to pay the penalty and be done with it...

This caused me to look up my VIN and it is included in the class action settlement. I have about 18 months and 22k miles left on my 6/72 warranty so I'll be trading it in on something other than a VW within the next year. I usually drive my cars for 8-10 years, but I'm not in love with it and it seems likely that I'll get hit with a big bill for this repair if I hold onto it too long. I was thinking about unloading it before the warranty expires anyway, this just cements it.

It almost certainly varies by state, but we recently had this situation with a property in Maryland and it was a one step process. We simply had to provide a copy of the death certificate. Also, we had this done by a real estate attorney who specialized in this sort of thing and the cost was very reasonable - perhaps because they were hooked into a system to do it all electronically. The new deed showed up online in a week or so.

Thank you both, @nisiprius and @WoW2012. That is all very helpful. It does sound like premiums should be very stable in the future, but I still like the idea of getting this paid up over 10 years - if we qualify.

This may be getting into the weeds a bit, but I am wondering if the 10 year payments are treated the same as regular annual payments for the tax deduction. Also, how is the attained age determined for couples of different ages - do we both have to be 61 to get the higher level? I tried googling it but didn't have any luck. Because we are paying quite a bit for health insurance, there might be some real tax savings for us if we could also deduct these payments - up to the established limits.

You're correct that if you want "the real thing", then buy a traditional LTC insurance policy. If someone's not healthy enough for a traditional LTC insurance policy OR if they want a policy with a lifetime/unlimited amount of long-term care benefits, then there's an excellent LTC rider (attached to a whole life insurance policy). Nobody buys that policy for the life insurance. It's a great policy for long-term care, though, and it's been around for 30+ years. I would not buy a hybrid policy for the life insurance, but I am attracted by the guaranteed cost/rate it provides for the LTCi component. I am also attracted by the ability to pay a set amount we can afford to largely eliminate our LTC concerns early in our retirement. If ...

RudyS, thanks for your post. That is pretty much what I've been thinking. Coincidentally, I received a NYT newsletter today which linked to this https://www.nytimes.com/2022/12/03/health/elderly-living-alone.html and that linked to https://www.nytimes.com/2019/09/27/health/seniors-housing-sharing-villages.html. It turns out there is what seems to be a thriving village org close to where we've been thinking about moving. Their website says this: Helping members stay at home longer. Our members have chosen to live independently — usually at home, surrounded by friends and memories — by relying on our volunteers for a helping hand. It likely isn't a panacea, but it could help us age in place longer than we'd otherwise be able to do. Of course ...

We have no children and it seems likely that there isn't going to be anyone else around to help us, so it is a problem that at some point we will not be able to properly manage our finances and healthcare. Given that, although moving into a CCRC may be expensive and require a leap of faith, it seems to be our only option to try to ensure that we will continue to be well cared for. Is there another good alternative for our situation that I am overlooking? With that said, timing a move into a CCRC seems tricky. I wouldn't want to move in too soon, but the longer we wait, the more we risk encountering a health issue that would prevent us from getting the type A contract that we desire. I am hoping that while we are still able to take advantage...

The situation my wife and I are in is very similar to what the OP describes. I had generally been thinking of this as an either/or choice until I discussed it a bit with a planner who specializes in this area. He made a number of good points. First, there is no way to know when you might need LTC. It is relatively unlikely, but we could end up using the coverage in our 60's or 70's (e.g., after a stroke). Also, if either of us have health issues before we are ready for a CCRC, we aren't going to be able to get in and it will be too late to get LTCi. If we carry LTCi until we are in our 70s, we should have a better sense of our general health and whether we can, or want to, move into a CCRC. If/when we are ready to buy into a CCRC, we'd also...

Check out Metlife takealong dental. My dentist didn't accept any discount plans, but I suspect he had to accept takealong because he also accepts other Metlife insurance plans. Takealong is insurance, but it is very minimal. It covers our regular cleanings and checkups, but also gets us Metlife rates on anything that isn't covered by the plan (which is almost everything else).

The hesitancy is the fact that the stop is only good for six months and would have to be renewed (indefinitely?). Closing the account would require updating at many sites, getting new checks, etc. I don't want to have to do that unless justified by the actual risk, which I'm trying to assess. FWIW, I understand your reluctance. I'd be inclined to wait at least another week or two, but I'd also speak with the fraud department at the bank to confirm that you will be made whole if the check is fraudulently cashed. I just went through something like this with a family member's account and the bank covered a fraudulently cashed check. After it was discovered, I was inclined to stop payment on a range of checks that were potentially at risk, but...

I tried to get a quote from Erie insurance a few years ago. They would not even provide a quote given the proximity of trees to my house (within 15-20 feet). I forget the term they used, a minimal risk insurer? Erie agent said to give them a call back if we ever take the trees down :confused Interesting. It's been ~20 years since we moved to our current home, but Erie signed us right up even though it is surrounded by giant trees that could crush it like a bug (2 of them <10' from the house). We have since had about 6 of the most threatening ones removed on our own initiative (and many more for other reasons). Perhaps Erie's practices have changed and/or, as LittleMaggieMae suggested, it varies by state. This gives me further pause with re...

^The amex card has the same limit, it's just annual rather than monthly. So not worth the annual fee in order to get 1% more on $6000 per year of groceries. Some families might need two custom cash cards, but they would also need two amex cards. We just happen to come in close to the $6k spending limit each year, but in our case >$1k of our eligible purchases are in the streaming category. Because of that, we more than break even on the AMEX fee vs the Citi Custom Cash deal - not counting random cash-back offers (like the $7 I just saved on Hulu). Plus, I value the AMEX extended warranty and purchase protection. A few hundred dollars a year in cash back doesn't really move the needle much for us, but it is psychologically satisfying to kno...

I've had great experiences with both extended warranty and purchase protection claims from Amex. In the 20 years I've had the card, I've made 3 claims. For a TV and computer that died, I had to get a repair estimate first, but they paid for those service calls and the subsequent repairs. For a TV screen that I accidentally broke shortly after purchasing it, I just had to send a picture and they fully reimbursed me 3-4 weeks later. You need your receipt and you have to fill out a claim form, but it isn't too bad. I have the Blue Cash Preferred card. It costs $95/year, but even after subtracting what I'd get from my other cash card, the extra cash back more than makes up for the fee - 6% at grocery stores (including beer & wine), 6% strea...

I've been listening to the Retire with Style Podcast: "The purpose of Retire With Style is to help you discover the retirement income plan that is right for you." That is the phase I am currently entering so I've been enjoying it. It has helped me understand a number of concepts and prompted me to do additional reading/research on them.

FWIW, in my Maxifi plans I have taken the middle road with a 14% reduction starting in 2035. I don't recall where I got that figure, but it may have been from Larry Kotlikoff in one of his webinars. I vaguely recall that estimate was based in the belief that FRA will be raised and/or payroll taxes will be increased to some degree before 2035. It is possible, if not likely, that those who have already retired and/or who are close to retiring will be exempted from cuts, but I am not going to count on that in my planning. Similar to @Morgenstern, my projections suggest a somewhat larger or smaller cut will not significantly impact our retirement income/lifestyle.

Wade Pfau has written extensively on using annuities in place of fixed income. His basic strategy is to cover all of your essential expenses with guaranteed income (SS, annuities, pensions) and then invest the rest of the portfolio in equities. This could be a valid strategy if you are willing to live with all the downsides to annuitize a large portion of your portfolio. I have also been reading Wade's books and, at the moment, I am strongly leaning towards taking this approach. I am risk averse with respect to ensuring our basic expenses will be covered and we have no need to leave a legacy, so it fits our needs well. Our expenses are modest and we will still have plenty in equities, so I am not concerned about inflation eroding the annui...

dbr wrote: ↑Sun Oct 30, 2022 8:58 am
The dilemma is to find a benefit in a certain date and amount redeemed when no particular purpose exists for it. This is the crux of the issue.

Sorry, I thought I posted this early this AM, but it didn't go through.

My thanks to dbr and everyone else who followed up on his response to my post. I now feel more comfortable with what I am doing. The comments about keeping things simple in case I predecease my wife are well taken, especially given that she has zero interest in such things. Eventually I intend to liquidate our individual bonds and purchase an SPIA large enough to bridge the gap between social security and our basic expenses.

I find these discussions are most helpful when I am having difficulty falling asleep :happy I keep reading them because I want to understand this issue, but I am not confident that I ever will. I don't have a good rationale for it, but I have less of an issue with using bond funds for long term investing than I do for funds that I might need to access in 5 years or so. It seems I am OK with accepting that everything will work out with bond funds in the long run, but less so in the short run. As such, I have most of my bond holdings in funds, but I also have a buffer in shorter term individual bonds of various flavors because I feel I have an adequate understanding of them and know what my returns will be if I hold them to maturity. In the c...

I worked for a place where their policy was to always interview 3 candidates. They did so even when they were 90 percent sure they knew who they wanted to hire. There is always a chance that someone could unexpectedly wow an employer and I believe that did happen occasionally, but it was rare (usually in tandem with an unexpected shortfall in the candidate they favored). Often someone had a person lined up that they wanted to hire before an ad was even posted. In those cases it was especially infuriating that they would blatantly waste the other candidates' time. Of course, I doubt any of this is unusual.

Summary from the paper - Thanks for the summary. As I was reading I started to think it might be worthwhile to compile something like this, then I recalled seeing it here. I finished the article, but even though I am interested in such things and am likely better read/listened on some of these academic topics than a typical "ordinary individual", in some sections (e.g., Economists on the Equity Share of Portfolio) my eyes started to glaze over and I only skimmed them. I can't speak to any possible false characterizations of popular financial advice in the article, but I hope academics take the author's overall conclusions to heart and routinely incorporate more easily implemented models into their research. I also hope they make ...

I've often run funds through PSECU and I've never had an issue, but I always initiate the transaction in an outside account. I recently initiated a 6 figure transfer in an AMEX Savings account to move the funds to PSECU, then subsequently initiated the same transfer in a Vanguard account to move the funds there without any difficulty. I already had those links in place and don't expect to make a similar transfer in the future, so I didn't bother setting up a direct transfer.

I've been keeping out of this because I have one foot in retirement and am just barely a Gen Xer, but a number of comments have moved me off of the sidelines. I am not sure any of this is terribly new, but I do think circumstances have empowered/emboldened employees. Those circumstances may vary depending on age, but I suspect there is a general feeling that there is plenty of risk out there (dotcom bust, great recession, pandemic), so you might as well take a chance that could lead to a job that will be more personally and/or financially rewarding. Plus the tight labor market, gig economy, and the ACA have all made changing jobs much less risky in general. I also think employers have been, at best, behind the curve in terms of giving exist...

Thanks @Stinky and all. I appreciate the confirmation on my math and the reinsurance info. I knew about the AM Best rating, but it is a good thought that I would be wise to keep an eye on it. A catastrophic event is a concern, but I wonder if two or more lesser, but significant events within a short period of time could be especially problematic for this type of insurer since they have no mechanism to raise rates on existing policy holders (thereby recovering at least some of their losses). I read a review which suggested that someone will perform a somewhat rigorous on-site home inspection before you can qualify for a policy. You also must have good credit and at least a relatively clean claims history. That won't eliminate the risk of a m...

I am intrigued by the prospect of getting perpetual insurance from Baltimore Equitable Insurance (BEI). For those who may not know, in exchange for a relatively large cash deposit upfront, this type of insurance provides 'perpetual' coverage until you ask for the return of your deposit. The only additional amounts you might have to pay are additional deposits to cover increases in the replacement value of your home and those increases are completely optional - assuming you aren't carrying a loan that obliges you to maintain full replacement value. I looked into this long ago and passed on it; however, I have much more cash available now. I don't recall what the rates were back then, but I probably couldn't spare the cash. In rough figures, ...

I have had discussion with the financee. He was aware of the will but was unaware of the content. Based on my conversation in the past with my sister, they both kept their finance completely separate. Each of them had their own house and never comingled assets. He has come and visit my mom and taken her shopping even though she is 75 miles away. However, my sister never does anything without a reason. I don't think he will go for the idea of deviating from the trust. It is encouraging that he has gone out of his way to visit your mother, but it still sounds like you should assume you won't be offered any extra funds if your mother were to move out of the property. Even if he doesn't offer anything now though, eventually he might try to wor...

I am very sorry for your loss and that you have such a difficult situation with your mother to deal with now. I have many thoughts about all of this, but in general it sounds like you need to try to step back from the enormity of it all, take a breath, give yourself time to figure out the what can wait and only address the most pressing issues. So yes, the funeral arrangements/services and grieving are the first order of business. Beyond that, you probably have a lot more time than you think to address at least most of the other issues. It sounds like your mother doesn't have to go anywhere for now. If you understand your sister's wishes and want to go along with them, then I'm not sure you need to engage an estate attorney - at least not u...

+1 on the ACA coverage. We are 4 months into our ACA coverage and so far it is working out fine for us. While the legislation eliminating the subsidy cliff is in effect (currently 3 more years), our partial subsidy covers the difference in cost between our COBRA and a gold ACA PPO plan with similar coverage. For this initial partial year, we opted to try a gold HMO plan instead of the PPO. The actual cost of the HMO coverage is about the same as COBRA (coincidentally), so by going with the HMO we are effectively pocketing the subsidy. The HMO is a little more of a hassle, but our longtime GP is still our primary and all of our specialists accept it. The only minor issue we are aware of is that we will have to switch to a designated provider...