Are strong dividend stocks for you?
When the market is down and talk of recession is high, many of my readers move more money into a dividend-producing stock fund like Vanguard’s Dividend Growth Fund. With a low expense ratio of 0.27%, you get to keep more of your earnings. Dividends are taxed at a lower rate than other gains so this fund is perfect to hold in a non-qualified account. There are no purchase, redemption or 12b-1 fees so you keep more of your earnings. This fund provides long-term returns of 9% and current return of -8.84% YTD while avoiding the downdraft of the current market at -18%. The fund focuses on high-quality companies that have both the ability and the commitment to grow their dividends over time. So when stock prices are down, dividends keep coming across many sectors of the economy. Overcome inflation: keep your money growing in retirement.
https://www.barnesandnoble.com/w/what-to-do-with-your-rmd-dan-keppel-mba/1128673366
4% of Americans have a million-dollar retirement nest egg
How did they get to over a $1,000,000? Not all of them are entrepreneurs or recipients of a family legacy. Some humble people earning the average American salary have crossed the mark before retirement. A survey of regular investors found that only 4% reached their goal. Advisors tell us to “do the math” to find your number. For most folks that is really impossible until it is too late to do anything about it. You won’t know your SS benefit, your pension or 401K/403B/IRA number until later. Some folks can estimate what they will need but inflation could strike at the last minute like it just did. But life is uncertain and you could be hit with layoffs or severe illness/accident right before retirement just like we all experienced. The only sure strategy is to invest early, consistently and paying little for the average market returns of 11% a year. It is time—compound earnings—that gets you there. If you pay an advisor to invest for you, you may be giving away up to 63% of your potential total, according to one analyst. Most of us don’t learn about basic investing early or about the low-cost way to benefit from stocks. Only 4% of us have smart parents or meaningful college courses to teach us. Give your child a leg up. Use the simple Buffett method.
Sign them up early: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072
What to do when you don’t know what to do?
Every investor is faced with conflicting information. Advisors who are paid by you and I are supposed to know what to do in these times. Some of them believe that activity—any activity—is good since it shows they “know” what to do. As one who worked on Wall Street and with advisors for years, believe me, they don’t know. So what should you NOT them do? The best unbiased money managers like Warren Buffett say: DO NOTHING. Buffett said that his holding period is “forever.” Your gut is telling you to sell all your investments NOW. But wait, Warren Buffett, world's greatest investor, says, “Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees.... Paradoxically, when ‘dumb’ money acknowledges its limitations, it ceases to be dumb.”
https://www.amazon.com/Snoring-Best-Way-Create-Wealth/dp/1466408928/
Why do wealthy folks keep buying stocks when the market is down 15%?
Those with money have money because they don’t keep their money in banks that pay less the cost of inflation. They have learned over time that the market goes up about 11% per year over time. So if the PRICE of stocks (not the number of stocks or the value of the company they represents) goes down, they buy more. The stocks are on sale in effect. They know the price will rise again. Most of them have lived through this up and down effect. Since 1871 the average return is 11% but some years down 37% up 28%. Rich people don’t need an advisor to buy fewer shares when the price is high and more when shares are low. The wealthy know that paying an advisor for life can reduce their possible nest egg by 63%: OUCH. So they don’t use one. They use a low-cost fund manager like Vanguard’s Windsor Fund and keep on investing the same amount year in, year out.
You can buy like the rich automatically using the best Robo-Advisor available.
https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957/
How much is your advisor overcharging you?
Many of my readers are suffering PAPER losses during this 2022 market sell off. The losses are not real unless they foolishly sell. What surprises them is how investors can let advisors continue to take money from folks when they are showing losses. When advisors take their quarterly fees, these are REAL dollars leaving clients’ accounts, not PAPER losses. Readers have learned the hard way that COST is the best predictor of investing success. Success with stock-picking is short lived. The advisor that tries to trade securities to avoid losses or capture gains is doomed to lose money. There are few successful masters of market timing. Listen to Warren Buffett: "The stock market is a device for transferring money from the IMPATIENT to the PATIENT." According to an unbiased Morningstar study, low-cost funds beat high-cost funds PERIOD. “In every single time period and data point tested, low-cost funds beat high-cost funds.” Over time advisors can take up to 63% of your potential nest egg. Use low-cost fund vendors.
https://www.amazon.com/Best-Predictor-Investment-Success-Cost/dp/1502524082
?**********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
Trump
engaged in a "criminal
conspiracy" to stop Biden
“I
don’t f—ing care that they have weapons”
Trump “detached
from reality”
Trump
used mafia intimidation on the defenseless
Parscale: “a
sitting president asking for civil war.”
Trump:
“Just
say the election was corrupt and leave the rest to me”
GOP fascism: “RINO
hunt armed; no bagging limit” J6
comm threat
Trump’s Supremes END
personal rights & state
laws except for weapons
WMDs
Fascism: GOP
to stop women leaving state for abortion
It’s
not a court. It’s a junta: Two Americas
How Govt wastes our money:
Will
any of the J6 coup instigators ever get tried and go to jail? Rich have all
the lawyers
Sedition: If GOP
wins 2024, Dems can overthrow GOP govt: no law/order in fascism
The SS phone
messages deleted not SOP unless guilty
of aiding a coup attempt
Can
Trumpists try to overthrow an elected government and get away with it: no
jail time?
Trump
vows to install his “Brownshirts”
in government positions ending
civil service
Election
deniers are running to control Dem voting: GOP determines 2024 election
Can
America prevent the next GOP coup? Is GOP
now the “terrorist overthrow” party?
GOP
brainwashes county sheriffs to investigate elections: voter ‘fraud’ is
widespread.
New
Christian
Nationalists strive to get their religion into schools: states push favorite
prayers
Congress
gives another $280 billion subsidy to those who need it least: Intel
Climate
polluters asked to help pay for cleaning environment they soiled; big
profits too
SCAMS/SPINS:
Private Advisor Group caught
overcharging for mutual funds shares 12b-1 fees forever.
Adam Thomas Marquardt caught
moving client money resigned failed hearing: defrocked
Ishan & Nikhil Wahi Sameer Ramani caught
insider trading Coinbase: Twitter user saw it
Former Rep Stephen Buyer (R-IN) caught
insider trading: nonpublic information: no jail
SCAM: New Crypto App: setting up a website that mimics a well-known financial firm
U.S. Bank caught illegally accessing credit reports, open fake accounts, fake sales: fine
Hyundai caught giving inaccurate information to credit bureaus; fail to fix: fine, no jail
J.P. Morgan, UBS, TradeStatn caught
operating failed identity theft prevention programs
SCAM: 76
fake charities using names of legitimate-sounding nonprofits: check first
FCC orders phone companies to block
auto warranty scam robocalls
Putin orders Google to stop
showing Ukraine war video/interviews: fine $374 M
Hackers use the
"forgot your password?" tool to trick into giving up their
login
Hackers use “YouTube”keywords to link fake
Windows Defender tech support: ransome
Albacore white tuna contains three
times the amount of mercury as skipjack light tuna.
Facebook
groups create the fake reviews for money:
Uber caught
overcharging disabled: $ millions to settle lawsuit
Trident Mortgage caught
redline intentional discrimination Philly families: fine, no jail
Wawa caught
failed to use 'reasonable' security measures to stop hackers: our data
SCAM: “good
deed homeless man” trick on social media: scam netted around $367,000
SCAM: why
food basics rose so fast: grain merchant ADM profits up 74%
TX doctors not sure how to help
pregnancy with complications: legal
delays can kill
GOP
wants to end freedom to use contraception: some want to end legal sex
activity
Republican
donors still paying for Trump’s tax and political crime defenses
Another
Trumpist “does not recall” what they said on J6 to WH staff: convenient!
People in GOP counties higher death rates than Dem counties: health
policy deniers die
Predictors
of long COVID: obesity and hair loss at the time of infection, USC study
6-year-old boy fatally shot 5-year-old sister in their home: parents
taught boy to shoot!
Jobs
In 2009 dollars, minimum
wage has fallen over the past 13 years to just $5.27 per hour.
Who owns your account now?
Home: typical down payment, 7% or $27,400 keeps average renter out of home
I Bonds: inflation continues so great to keep for 5 years to get best rate: $10K limit
Women money managers take less risk and don’t sacrifice return: consistence vs trading
Lemonade buys Metromile pay per mile insurance
Miracles:
Finally, USPS
buying EV instead of gas: Trump’s postmaster forced from his oil shares
Glaciers
vanishing at record rate in Alps following heat waves
New gene therapy
could finally cure
hemophilia B
Blood test allows
the detection
of Alzheimer's 17 years in advance
HIV
patient is effectively cured after stem cell transplant
Alcohol
directly accelerates aging, an extensive genetic analysis reveals
Kyiv
nightlife comes back amid urge for contact. “This Is the cure.”
Monkeypox
named a global health emergency after it reached over 70 countries.
Congress
to help veterans who were exposed to Agent Orange in 1961-71
13-year-old
is headed to medical school year after graduating high school: memory cells
The oldest galaxy we
have ever seen in the universe: light
from 13.8 billion years ago
@
Light is both
a particle and a wave depending on how we look at the light.
I
don’t think that there is any such thing as a position or a velocity of a
particle.
Everything in
universe: galaxies to stones made of subatomic
energy ‘vibrations’
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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