2.27.20 Apartments with no lease; MGM data breach; Saving on prescription drugs

Being stuck in an apartment lease when you need to move quickly is a long time problem. Very few leases have any kind of out. Now, a company called Landing, designed around the lifestyles of young adults, rents through membership agreements. You rent an apartment within their system, and are allowed to move to any other property in the Landing system on 3 days’ notice – no penalty. This allows the nomad in you to wander. You pay $200 a year for this advantage. If you choose to move outside Landing, you need to give 30 days’ notice – still no penalty. Landing operates in several states now with plans to be in most major cities by year’s end. Wouldn’t this work well for retirees as well as a way to travel and experience new places? Landing provides ultimate flexibility. Units come furnished so moving is easy.

MGM resorts has been hit by a massive data breach affecting roughly 11 million people. Criminals got email, phone numbers and physical addresses – ‘phone book information’. Marriot suffered a large breach a year and a half ago. Potentially half a billion people around the world are exposed through hotel chain hacks. Consider having a specialized email address. Don’t compromise your main personal email at the heart of your life and data. Have a separate email address for commercial activity.

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The core to saving on meds is to be proactive. Before a provider writes a script, you can check costs and offer an alternative. Have a pricelist from your pharmacy, check your prescription drug plan. You can use a discount program like GoodRx and spend less by not going through insurance. See our guide comparing 5 major prescription drug programs: SingleCare, GoodRx, Blink Health, RxSaver and WellRx. Among the 15 common meds tested, RxSaver was consistently the cheapest, but that doesn’t mean it will always be. GoodRx came in next. We discovered that using 2 of these is likely to get you the best price. Clark checks his insurance coverage and then otherwise. It’s surprising how often meds are cheaper outside insurance using a discount program. There’s great advantage to checking up front before a med is prescribed. Medical professionals don’t know costs. It’s up to us to manage what we pay.

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