Greatest financial miracle is unknown to Americans
The single greatest factor in why most of us are living paycheck to paycheck is that only 7 states teach what Einstein called “the most powerful force in the universe.” High schools teach how to open a checking account but not a tax-FREE college fund or tax-FREE retirement account. They don’t show the safest way to grow $250 a month into $250,000. They don’t explain how a stock mutual fund works over time. They don’t show how to save and reduce income taxes all at once. They don’t show how Warren Buffett grew his paper route money into $124 Billions. "My life has been a product of compound interest." Teach your child to use the miracle of compounding in 1 hour.
Use the Miracle: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355
Can you recession-proof
your retirement?
A recession is generally
identified by a fall in GDP in two successive quarters. Interest rates are
raised in order to kill inflation but raising rates can also bring recession.
So what can you do to protect your nest egg? Actually, you can’t stop the
effects on your retirement fund. There
is no free lunch. However, my readers have already sold
the low-interest paying bonds they owned. They own
only TIPS now. They have cashed in low-interest CDs since none offer yields
over the inflation rate. Some are looking at a reverse mortgage since they have
so much equity. Some have accumulated gold and silver as they may hold value to
fight inflation long term. Some have considered a long-term care policy. Many
have added commodity and real estate investment trust funds so they can be
diversified. Some rebalanced their portfolios to overweight small cap stock
funds. They may be the first stocks to overcome this inflation. Most have held
on to all their stock index funds since stocks have often rebounded
from a down year by the next year.
Use Buffett’s advice: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592
Is Bitcoin right for you?
Some advisors are pushing this virtual currency for portfolio to retire on. But unbiased analysts like Buffett and Munger offer this advice: cryptocurrencies aren’t productive like farmland or other real estate. This leaves the billionaire investor unsure of what to do with Bitcoin. You can’t buy normal things like a home or groceries. There have been thefts and there are no controls on who has access to the virtual world. By it’s nature, crypto has provided criminals with lucrative opportunities. Crypto is known as a volatile asset and belongs in the speculative part of a portfolio like pork belly futures. Over the years, they attracted a wide following from market analysts and traders eager to try to profit from the ups and downs of this niche market. In 2011, the CME announced the end of pork bellies trading on its exchange. Extreme volatility coupled with dwindling trader interest made the product no longer relevant to financial markets.
Take Buffett’s advice: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592
Will
With
corporations and the super
wealthy paying less tax, the national
debt is now $30 Trillion. Our reps gave the rich another tax cut in 2017
so now we spend more than our income.
Use our legal tax haven: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441
How to achieve your financial independence
Justin stopped working at salary of $70,000 with $1.3 million in order to travel with family. It took hard work and planning but it can be done. He used low-cost state college and low-cost mutual funds at work. He used the Miracle of Compounding. He started investing early. He cut wasteful expenses with a budget. He had the agreement of his family. It helps if family members agree to the strategy. If you are prepared to put away money religiously you can quit at age 33 too. Use a tax-FREE account. Invest BEFORE you buy groceries. Forget using stock pickers and bits of coin.
You will need real money later: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072
Tax-refund
Millionaire-- https://www.irs.gov/refunds
Most people spend their tax refund—your refund could be a retirement nest egg
Michele had trouble saving. She seemed to always be waiting for her next paycheck. She never had enough to save for a rainy day like her Mom did. She used to make about $35,000 as a shop manager but with federal, social security, Medicare and state taxes, unemployment, disability, and health insurance, she was not able to put anything away for retirement. Years ago, her local tax preparer suggested she use her tax refund to create a retirement fund. Usually Michele would use her refund to pay bills or buy something special. The tax preparer said that if she agreed to start an IRA with $2,000 of her refund, she would be able to increase her refund—Uncle Sam would help her save. The amount she invested would reduce her income and make her refund larger. The $2,000 could grow over time, if she left it in stock mutual funds in her IRA account. Over time, it has grown large enough that she will have enough for retirement.
I will help you start in 1 hour: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X
?**********ACCOUNTABILITY**************?
Like 1776, this
period is a test
of democracy—We
rejected an "American
fascist" once
The
Path to Dictatorship: 2010-2030
Nov 2020 Wealthy
discredit election process
Jan
6 2021 Direct
assault failed: guns
& bombs ready
Trumpist’s Supremes end
personal rights
Another
terrorist guilty “sedition”: armed coup
NYC
police terrorist guilty assault
Defense Esper: Trump
wanted to shoot protesters
How Govt wastes our money:
Trump
beats tax avoidance crime: deducted
his front yard Westchester: no
taxes 18 years
Health care: drug
companies blame insurers; insurers blame drug companies: we pay all
Millions
COVID-19 shots set to go to waste: Biden can’t give to world: Congress
vote?
We wasted $billions:
Afghanistan’s
fastest-growing ‘crop’: kilos of methamphetamine
Court
threw out a $16.5 million jury verdict against a talc manufacturer: asbestos-cancer?
Russia
avoids EU sanctions: imports through neighbor
CIA
tells unhappy Russians how to give US intel secretly VPN
SCAMS/SPINS:
Performance SLC, Daniel Crenshaw caught engaged
in wrongful fee-charging, deception
Alexandra H. Cock caught
$2.5 million Ponzi defrauded investors of millions of dollars.
Bill Hwang Archegos Capital caught
market manipulation and fraud $20 billions,
Brenda Smith NJ caught
Ponzi stole $47.2 million hedge fund: 109 months in prison
10 Republicans Voted Against
helping
GOP
state leaders may freeze Dems out of 2024 voting: FL vote police, vote
tallies, gov.
Jared: "Breaking [wind] History: A White House Memoir" he
thinks he ‘saved’ America
Tucker
is Cable’s #1: Trump’s Minister of Propaganda: more followers than Goebbels
Some
states ban books: Teens
read but use guns
without training or license to intimidate
Some states cheer personal freedom--no shots/masks; but ban
women’s health freedom
Some states ban
discussion of sex, race in school, business; but men do
marry 12-17 girls
Putin
follows GOP: ban TV,
news, books, speech, hair
ribbon, signs, groups, except
Tuck
Cell
phone radiation has been a constant suspect cancerous brain tumors
Why
do we love conspiracies and not research for the truth? Lazy, stupid,
limited?
Forget Prevagen; get
a pet to stay ‘sharp’: FDA
has not determined Prevagen helps you
GOP Susan Collins: Gorsuch, Kavanaugh: “Roe
was settled law” Supreme
liars!
GOP
‘central committee’ members will adopt all unwanted kids after they ban
abortions
Trumpist Supreme Court shows its hands: ALREADY
decided to ban abortions in US
Like
alcohol prohibition 1920–33, GOP will not keep people from using abortions
Could Loving v. Virginia
be reversed next? Loving
is about race and our
privacy rights.
Alito in 2015: no rights for same-sex marriage: it’s not among Constn fundamental rights.
We
may be tracked by antiabortion states: cell phone data useful to prosecute
pill seekers
Caught: TurboTax’s “free, free, free” advertising: “deceived
us into paying for services,”
250,000 Ford Explorers recall rolls
away by ITSELF while parked! Jeep
used to do it too
Home warranty scams: look hard before
you sign
Gift
card scams: what can you do to be reimbursed?
Bank of America caught
doing illegal garnishments: took customers’ money plus fees.
Americans
think Trump should be charged with crime: conspiracy to overthrow gov.
Trump
uses donations to pay suit over misused nonprofit funds to benefit his
family
Trump installs Trumpist in
Text
message scams: 25% age 18 to 34 unknowingly trust a fraudulent
message
Gasoline price scam: Big
oil has record profits : shares
up since February
Musk got help in takeover of Twitter: Larry Ellison, a Saudi Prince, and
Sequoia Capital.
Jobs
More
openings April: 428,000
Who owns your account now?
H.S.A. limit up to $7,750 for someone with family coverage
Vanguard cuts fees again: pay less earn more
CA offers no interest mortgage down payment loan: qualify and it’s free
Miracles:
Warming
changes marine life: extinctions
New
CA
reached 99.87% of electric load served by all renewables: what desert if
good for
Willy Joseph Cancel,
22, was killed
while fighting alongside the Ukrainian military
Ukrainian
women train to clear landmines
Elena sentenced
five days’ imprisonment for wearing a green ribbon: Russians
resist
The
Washington ‘superspreader’: Biden actually tells jokes, Noah is better
Plastic-eating
Enzyme Could Eliminate Billions of Tons of Landfill Waste
Antiobesity
Drugs Help People Shed Dozens of Pounds, but Must Take for a Lifetime
Charging a lithium-ion battery to a rate of 5.6 minutes for a 60%
charge
NJ
bans plastic and paper single-use bags: some exceptions
Only 334 die every day from
covid new strains: 997,000 total
Everything in the
universe from sun to stones is made of subatomic
‘vibrations’
Light is both
a particle and a wave depending on how we look at the light.
A subatomic ‘particle’
is the smallest possible vibration (quantum) of a quantum field.
Mass–energy
equivalence: E=mc^2. At the smallest
level; Everything is moving!
Inside protons,
neutrons, it
is the fields of the virtual particles that creates its mass.
“Empty space is a
boiling, bubbling brew of virtual
particles that pop in and out of existence in a time scale so short that
you can’t even measure them.” Space expanding.
We can apply for
Medicare online: https://blog.ssa.gov/apply-for-medicare-online
We can apply for Social
Security online: https://www.ssa.gov/benefits/retirement/
We can apply for
health care online: https://www.healthcare.gov/
IAN
973.746.2014
www.InsuranceAdvisorsNetwork.com
Alerts available
at http://dankeppel.blogspot.com/
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