Friday, August 26, 2022

Can a fee-only financial planner help you?

 

What to do when the market is down?

Buffett has often advised investors to buy quality stocks when they are on sale like now. He is doubling down on his energy bets like Occidental and Chevron. He bought more Apple too. Celanese is another of his dip buys. Will these be the winners of the future? Who knows? Even Buffett is not always right so you can diversify by buying an energy index on sale. Or you can buy shares in the largest growth firms like Apple, Microsoft, Amazon, and Tesla. Of course some of my readers buy quantum computing firms like RGTI or IONQ for the future. Some buy the Vanguard Top Ten on the assumption that these funds will continue to return 11% throughout their retirement.

https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

 

Can a fee-only financial planner help you?

Goals, Inventory Identify Distribution, Tax, and Estate Issues and Opportunities are the steps you need to take to be assured of retirement income. For example, if you inherit an IRA from a non-spouse you are required to liquidate the balance of the IRA in a more compressed time frame than previously expected. “A good planner can help you understand the effect of current legislation and make appropriate adjustments to the financial plan to account for the changes.” Slight shortfall: If you will have less income than you planned, you can address gaps in income using some basic strategies. You may also need conversations about adjusting goals and ensuring those goals still fit your situation. Severe shortfall: If you have not prepared for retirement and it appears unlikely that you will meet your income goals, a planner can suggest strategies you may employ to improve the situation. You will need difficult discussions about redefining your family’s goals. A planner can help you implement your retirement income plan including when to start Social Security, pension, IRA RMDs, etc.

https://www.amazon.com/Reset-Your-Retirement-Income-retirement/dp/1512304344

 

Should you claim Social Security benefits early?

Many advisors suggest you wait to claim benefits because every year you wait may increase your benefit by 8%. In our family, I was not able to find a new position after my financial services company was merged and I was “redundant.” I started at age 62 and have been receiving HALF of what I qualified for if I had waited until age 67, my full retirement age. Luckily my spouse kept working and filed after age 70 so the maximum possible benefits are being paid to make up for my decrease. For the rest of our lives, I will receive about HALF what my spouse receives. We were lucky we met with an SS rep so we qualified for larger benefits. Of course the rules have changed and they are complicated. I recommend you obtain an appointment at your local office if you can. If that is not possible, buy an analysis. It is important to understand what you could receive: benefits can easily top $1 million over 30 years of retirement for a couple.

https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224

 

Is ‘Liability-Driven’ investing right for you?
Your advisor may have suggested this strategy. Liability-driven investing attempts to match your portfolio’s investment strategy with future liabilities. Liability-driven investing is typically associated with a defined benefit pension, but is becoming more popular with advisors helping individual clients investing for retirement. For most people this strategy is the same as the investing bucket strategy. You segment funds among different time horizons or risk tolerance bands in order to keep a withdrawal rate that corresponds to time left in retirement. Thus your money is sitting in 1. short-term bonds or CDs, 2. balanced funds and 3. long-term equities. Your ‘liabilities’ are your expenses or obligations. If you need money available in 1-2 years, you tap bucket 1 and so forth. Returns are usually greatest from your equity holdings so you keep growing your assets for use later. Your advisor may be using more sophisticated terms but the strategy is the same as the common sense one Buffett recommends.

https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592/

 

Investment behavior research and your biases

Why do we hold on to losers and sell winners? Why do we engage in vigorous trading when studies show we lose money? New studies about our way of thinking about money have provided some guard rails that may keep us from big mistakes. Fact: we spend more time planning a vacation than planning for our financial future. People with money have a plan—investment and retirement plan. People who most NEED a plan don’t think they need one. Set goals, find strategy, set up plan. List financial goal priorities. Know your biases and avoid them with help. For example, we buy a stock or fund that just went up. It goes down but we don’t face it and lose more money. Or if the stock goes up we feel we must sell to win. Instead of diversifying a portfolio for safety, we buy more of the same. Many keep buying their own company stock. We know this strategy is risky so we worry instead of investing in a plain index fund. Even with new information, investors stick with their original purchase. We tend to think we are super brilliant when our purchase does well. Most of us mistakenly rely on past performance. Usually winners become losers during the next period. Buffett’s strategy beat best advisors.

Let Warren Buffett be your advisor: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

 

This is what your advisor says when they don’t want you

Advisors work in an industry that requires them to make money from your money. Are you happy with a service that you have no way of knowing if you are getting the right level of service? Advisors don’t want to lose you if you are going to give them $ millions in assets. They don’t want to lose you if you could have $ millions in assets. But they only have so much time and they must produce revenue for themselves and the firm they work for. They don’t want to waste time with you if you take up too much time for too little revenue. So how do they get rid of you without making you mad or worse making the person who referred you mad? The term they like is ‘FIT.’ You don’t ‘fit’ with their minimum revenue goal or you don’t ‘fit’ with their type of services. As sales people they have learned the kind of customer to seek and keep. Their object is to make money so if you don’t have enough or will cost them more time than they can spend, you will have to learn how to help yourself. Millions have had to learn to manage their own financial life. You must understand what your advisor means: time to leave or stay.

https://www.amazon.com/What-Your-Advisor-Really-Means/dp/1542964520/

 

 

 

?**********ACCOUNTABILITY**************?

 

 

Like 1776, this period is a test of democracyWe rejected an "American fascist" once

 

 

The Path to Dictatorship: 2010-2030

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

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 was “detached from reality”

 

Trump used mafia-style 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 limitJ6 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

 

 

Nov 8 2022 Trump’s “national revolution

 

Jan 2025 Trump pardons himself

 

How Govt wastes our money:

NC Supreme Court rules against gerrymandered NC legislature: biased to whites

NOT OK: Oklahoma performing an abortion felony: 10 years just like murder

Celebs got $ millions in payroll subsidy money from us: PPP loan given and forgiven!

 

TX judge gives handgun permit to every teen: lifts Fed ban on age 21 minimum

Police guilty falsifying search warrant to cover-up killing of Black woman 32 rounds kill

 

Congress OKs wealthy hide $2 billion income from the IRS: we pay rich’s tax bill.

 

Corporate profit margins jumped to the highest level since 1950: taxes under 20%

 

SCAMS/SPINS:

Where does the Trump terrorist mob lead us? Two Americas

Mob boss Trump: “FBI planted evidence” in Mara: FBI brought those nuclear secrets?

Mob lieutenants don’t like being questioned about the Boss

 

FL election police ‘brown shirts’ scare voters: Broward Dem country target by DeSantis

Mitch McConnell says there is "very little election fraud" Mitch admits it’s GOP B. S.

 

John Hancock caught miscalculated termination for LTCI Policies: fine

Scott Kohn CA caught Ponzi military veterans structured cash flows $310 million: 10 yrs

Mitchell Adjusting caught taking $600,000 intended for policyholders

 

Single stock ETF not suitable for investors: great downside risk; no diversification

 

Western Union caught helping criminals steal money intended to be wired to families 

SCAMS: never send money to these fakes

TicketMaster fakes: it is not the real seller: you give them your CC and get nothing

SCAM: Crypto firms can’t track laundered scam funds from N. Korean hackers/thieves

 

Voyager Digital’s 3.5 million customers ask refund from bankruptcy court 

Stupidest Fees You Should Never Pay: just say NO

Common car rental mistakes: there are ways to avoid them

 

Tesla cars DO run over kids since the software cannot detect them in crosswalks

 

Jobs

US firms return 350,000 jobs: tech and supply chain 

Where paychecks are rising fastest: is it worth a move?

Insurance companies staffing up

 

Most in-demand jobs pay well: HS diplomas plus for some

 

Who owns your account now?

HBO Max removes nearly 200 episodes of ‘Sesame Street’: no explanation Wow

EV models that earn the Fed subsidy: our taxes help wealthy buy BMW, Audi, Tesla

Medicare Advantage Plans: J D Power ratings: Kaiser #1 again

 

Public wants more gun controls so fewer killings: Supremes: all can carry guns

Biden hasn't yet released the website where people can apply for loan forgiveness ??

 

Miracles:

Teens on their way to school saved woman in trouble: “we just did the right thing." 

Flu shot may retard Alzheimer’s: influenza vaccination associated with reduced AD risk

Fish creates perfect love nest for partner: no protractor or compass or ruler

 

Russian soldier explains how war developed for him

Can we save our trees? Extinction being helped by insects, climate, fires.

Feds cancel $10,000 student debt for most: $20K for Pell: No tax: payment pause Dec 31

 

MO brings back child beating as school corrective: back back back we go

 

@

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!

There is no TIME at this level because of force fields come and go in all directions. 

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.

The electricity we use comes from the field around the wire not from election itself.

 

 

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/

 

 

Friday, August 19, 2022

Buffett recommendations for investments in retirement

 

Women are more vulnerable to a retirement income shortfall

When Social Security benefits are cut sometime after 2034, women will be hurt. Women live longer and have greater health expenses than men. Women rely on SS benefits more than men yet because of lower income, receive fewer SS benefits. Fewer women have their own well-funded IRA to supplement their incomes later. Fewer women have employer paid pensions. Women have lost seniority due to child rearing. Finally, women have lost wages over years of suffering the unequal pay gap. Thus, cutting benefits by 25% or so as planned by the current Trust forecast will bring women near poverty straits. Will the male-dominated GOP respond to fix this emergency with new taxes soon so that the Trust has time to accumulate a useful balance? Maybe not. This leaves women workers with the options of working longer, staying married (or with other family), finding more affordable housing/living situation or creating a new income source.

https://www.amazon.com/Ensure-Your-Financial-Health-Wealth/dp/1466388293

 

Is Social Security in your future?

In order to receive our full benefits in the future (2034 and beyond) we need to have more people who pay the FICA tax working. Since fewer children are being raised in the US and fewer immigrants are being allowed in by the GOP, there will be a shortage of workers to pay for future Social Security benefits. In addition, wealthy folks with income over $147,000 are exempt by GOP from paying FICA. So we need to make a change in one of these determinants. Workers and employers already pay their fair share—7.65% each. Congress could save Social Security for us by lifting the exemption. We are at risk to the politics of wealthy Americans maintaining their privilege. Our future may be more like the economies of poor countries—very wealthy owners and very poor workers. Some working people can afford to wait to claim higher benefits. Most working people can’t afford a lump-sum payment for an annuity to replace SS benefits. Most workers (80% by a recent survey) feel they aren’t saving enough (or simply don’t know how to save) for retirement. This leaves workers with the options of working longer, staying married (or with other family), finding more affordable housing/living situation or creating a new income source.

Consider the options: https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224

 

Retirement planning—the good, the bad, the ugly

If you have started to think about or talk to your advisor your retirement, that’s good. If your advisor has begun to pitch an annuity, that’s bad. When you have estimated how much income you will have compared to your expenses, that’s when it gets ugly. Most retirees wish they had started saving/investing earlier. Well, that can’t be helped now. You started when you started. What can you do now? Why do advisors push annuities? If you have a large lump sum, annuities can provide a guaranteed income to you (and your advisor). However, many insurers are cautious about guarantees. They have been burned by low interest rates and so limit ‘guaranteed living benefits’. People are living longer so the benefit, that ‘lasts a lifetime,’ may lose HALF its purchasing power in 20 years. If you have kept your money working in equities, you can sustain your current income level for longer than an annuity can. Plus if you or your family has an emergency, you can use your portfolio. Usually you cannot cancel an annuity without a large charge.

Plan for the worst: https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573

 

Buffett recommendations for investments in retirement

What is one of the world's greatest investor's retirement advice? Use 2 Vanguard funds for your retirement income. You avoid “high-fee managers” and the high cost of trading.  Warren Buffett's legal will provides for his family by directing that his cash assets be invested in just two Vanguard funds: One will provide cash for the coming year and the other will provide for a sound future. The best way to protect your family's future is to be invested in the stock market: Pure and simple. When you have stock assets, your money compounds at higher rates when your account fees are 0.01-0.05%, not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide a Wall Street firm with higher revenues. The average investor earns just 3.79%, not the 10-12% market rates according to the DALBAR record keeper. A simple plan can save you the pain of retirement income blues. Retirees regret a little saving and planning workout.

Buffett’s simple plan: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

 

 

 

 

 

?**********ACCOUNTABILITY**************?

 

 

Like 1776, this period is a test of democracyWe rejected an "American fascist" once

 

 

The Path to Dictatorship: 2010-2030

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

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 was “detached from reality”

 

Trump used mafia-style 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 limitJ6 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

 

 

Nov 8 2022 Trump’s “national revolution

 

 

 

How Govt wastes our money:

US executes those who steal "top secret documents" don’t they: Rosenbergs

GOP Sen Paul calling for repeal of Espionage Act: Dems could never get away with that

 

Warrant: Nuclear secrets for Putin Xi or Saudis provides cash for dictator’s next move

Rubio said that Trump was "dangerous": we must not hand him “the nuclear codes”

Trump claimed he returned secrets in June: he did not: FBI found more. ‘Lock him up’

Now Trump claims he “declassified those documents.” But no record: Nuclear declassify

 

We must destroy the FBI,” Rep. Paul Gosar (R-Ariz.): GOP’s new fascist theme

 

FBI Justice probes Southern Baptists: clergy sex abuse of most devout: higher authority?

 

Sinema was paid $1 million to kill wealth tax on wealthy and hedge fund managers

 

VA Gov ‘hate’ line: Gestapo-style hate list compiled by Youngkin: “divisive” teaching.

Data from period-tracking and pregnancy apps may be used to prosecute pregnant people.

 

TX school district removes Bible, Ann Frank, etc from library and schools: complaints

VA, FL, PA, AZ restrict book reading: fears whipped by GOP: Gaetz roams girls school

Judge tells DeSantis he can’t forbid us talking about race in biz and education sites.

 

SCAMS/SPINS:

LPL Financial caught not accurately calculating client reserves, inaccurate books: fine

Equifax Confirms It Sent Wrong Scores to Lenders: Ask them to rejigger your score

Hackers used 30 retail accounts pump up microcap stocks then sold making $millions

 

Median house price zooms to $413,500: half above that record level

Steinway Tower skinny: wind sways $88 million upper floor apartment a few feet !!

 

Dirty Apples: Updates recommended after more errors found: even 6S model, iPad 5th

Bad Apples: Your iPhone may soon have more ads

 

RECALL: Capri Sun Wild Cherry Flavored Juice Drink Blend pouches: cleaning solution

RECALL: 4moms MamaRoo Baby Swing and RockaRoo Baby Rocker: strangles kids

BEWARE: anti-choice police seize our internet talk re: women’s health issues: talk softly

Walmart, CVS, Walgreens caught pushing opioid drugs in OH: fine, no jail

 

Book banners banned from reading the books they banned in public: 2 Americas

FL court: 16-year-old not “sufficiently mature to decide” abortion so forced to raise child

Trump tells terrorists to chill; get ready “terrible things are going to happen.”

Trump can’t find a good lawyer: he usually doesn’t pay and his regulars in trouble

Kinzinger: pastors lead people to “equate Donald Trump with the person of Jesus Christ.”

 

Far-right lobbyist now tax-exempt “church”  Trump’s Supremes all ‘church’ members

Trump’s accountant pleads guilty: tax-fraud just like Al Capone mob boss

PA judges caught sending kids to for-profit jails in exchange for kickbacks: fine, no jail.

 

Jobs

10 Cities Where Rich Out-of-Towners Have Driven up Home Prices

Teach: you don’t even need to know how: just handle violent parents, terrorists, pay

Wage gains for job hoppers hit record high over those who stay

 

LeBron James takes $97 million contract: you could be his body guard?

 

Who owns your account now?

Polio Is Now in NYC's Sewage, Suggesting That the Virus Is Circulating

Monkeypox is now “Clade”: saves monkey discrimination: clade

NAIC passes Pet Insurance Model Act: make sure your follows standards of care

 

J.D. Power T-Mobile, Cricket and Consumer Cellular Highest in Segments

Paint sale: Sherwin Williams Coupons 

It’s your money: Losses from crypto hacks surged 60% to $1.9 billion January to July

 

NASA tests yeast’s biological processes growth, death, DNA damage: our life on mars?

EV Rules change 1/1/23: $7,500 for new electric vehicle buyers

https://signmyrocket.com/ you can send a message to Putin on a bomb: “love from TX”

 

Miracles:

Inflation Reduction Act just passed: what we might accomplish

Panicked parents defund town library to end book reading: outsiders donate to save it.

Judge restored a 2016 moratorium on coal leasing on federal lands overturned by Trump

 

14 blind people had their vision restored and three of them, perfect 20/20 vision

5 Tax Credits in Biden’s New Law: Health, cars, home,

Dog, Missing 2 Months, Found Alive Inside Missouri Cave

 

Scotland become first country in world provide free period products: no rags, paper, etc

FDA: over-the-counter hearing aids available to millions: save $3,000

Start your day with this and you will sing all day! youtube.com/watch?v=I0zNiae3j7k

 

 

 

 

@

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!

There is no TIME at this level because of force fields come and go in all directions. 

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.

The electricity we use comes from the field around the wire not from election itself.

 

 

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/

 

Friday, August 12, 2022

Why investing the same amount of dollars each month is important

 

Best annuity for your retirement

Some annuities cost you nothing and the benefit increases automatically without you paying more premium. Some annuities are tailored to your age so that you receive more later and less earlier. Some annuities cost a lot. Some require no extra payments. Some annuities can provide a growing benefit and still provide a lump sum for emergencies. Some annuities provide a benefit only—the beneficiary cannot surrender the remaining principal. Some annuities are tied to an underlying high-cost variable account. Most annuities cannot be cancelled. Some annuities provide a periodic benefit for one or two lives. Some pay a benefit for a certain time period. Get the right one for your lifestyle.

https://www.amazon.com/Your-FREE-Annuity-Stream-Lifestyle/dp/1497438616

 

 

What is the New American Retirement System?

Protect your family and assets with your financial wealth. Borrow from your System to pay for large purchases. Buy whatever you need without going into debt to others. Self-insure manageable risks—invest the premiums saved. Buy financial services wholesale--save $3,000 a year. Manage your System in 1 hour per year. $2 million can produce $160,000 a year in retirement. There are no taxes either.

This book will show you how to:

Create a $2,000,000 tax-FREE Retirement System.

Use the best legal tax shelter: no taxes . . . ever.

Tax-favored over a 401k even with 6% match*

https://www.amazon.com/New-American-Retirement-System-Reserve/dp/1461030072

 

Retirement savings amounts very skewed to the wealthy

The average account balance was $141,542 for 2021; the median balance was $35,345. This disparity means that a small number of plans with very high balances skews this often-quoted average upward. The American middle class has a difficult time saving for retirement with low wages, high inflation and increasing housing expenses. Not everyone is benefiting from the tax deduction for contributions since many small employers do not offer 401k plans. The self-directed IRA requires starting early to obtain the maximum benefits of tax-favored savings. Very few high school curriculums offer a tax-benefit IRA course. It is up to parents/grandparents to get their offspring started on the journey.

https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

 

Is a money market account right for you?

This account, available at most financial institutions, is favored by anyone who says, “I don’t want to lose money in the market.” For instance, Vanguard Federal Money Market Fund’s investment objective is to seek to provide current income while maintaining liquidity and a stable share price of $1. However, maintaining a stable share price of $1 means that you cannot keep your purchasing power over time. Thus your money is not ‘safe’ and over time, your $5000 will buy less than it did before. Yes, you will earn interest but you will also owe taxes on any gain. A bank savings account may be a better vehicle for short-term savings. If you are saving for retirement, a ‘safer’ place for your money is a balanced (stocks and bonds) mutual fund. Over time you gain part of the positive market return in the form of share price rising and also stock dividends paid and bond interest earned. Some of my readers use such an account for their emergency short-term needs since they have accumulated quite a balance over time. “Borrowing” $5,000 from their $250,000 balanced mutual fund like the Vanguard Wellesley Income Fund costs them little. That $5,000 may be repaid to their account in a year or their gains on the $245,000 in a year may be enough to cover it. Remember, “never bet against America.”

Use Buffett’s strategy: https://www.amazon.com/Warren-Buffetts-Investment-Strategy-Forget/dp/1484822900

 

Why investing the same amount of dollars each month is important

Smart investors have learned the trick of investing to accumulate the greatest number of shares with the same amount of money each month. Over time, you receive fewer shares when the price is too high and more shares when the price is low. You are buying without overpaying for shares. Last December, for example, shares were expensive so your monthly investment of $250 bought one share of Vanguard Health Care Fund. But in June 2022, your $250 bought 1.358 shares (shares were cheaper). In this way, if you had started buying shares 10 years ago, your $250 would have purchased 1.689 shares. You can see that over the last 10 years, you would have more than 200 shares not 120 shares at the higher price. In 30 years, with more shares and the share price appreciation (dividends and increased value), your $250 a month investment may be worth over $500,000. This strategy is called ‘dollar-cost averaging’: you buy low and accumulate more shares. Over time, shares worth more. And you can make it all tax FREE.

https://www.amazon.com/Money-Ball-Investing-Winning-unfair/dp/1548831409

 

 

?**********ACCOUNTABILITY**************?

 

 

Like 1776, this period is a test of democracyWe rejected an "American fascist" once

 

 

The Path to Dictatorship: 2010-2030

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

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 was “detached from reality”

 

Trump used mafia-style 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 limitJ6 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

 

 

Nov 8 2022 Trump’s “national revolution

 

 

 

How Govt wastes our money:

Drug makers win: threat to Congress: price controls not set, drugs not created for us  

We are going into debt to pay oil’s record profits for gas and food: Exxon sets records

Few profitable corps pay 15%: Congress gives loopholes, subsidies: we pay 30+%

We pay salary; Congress makes fortune on insider information: we go to jail for same 

 

Nebraska teen and mother charged with aborting and burying fetus: America’s future?

Manchin limited EV cars to slow change from gas: climate to get worse

Sinema saved wealthy taxes in Inflation Act to keep funding from hedge fund owners

 

Like mob boss, Trump takes the 5th : can’t ‘self-incriminate’: NY AG proved fraud

Of course, FBI will take back stolen US secret documents: felony to steal US secrets

 

SCAMS/SPINS:

Suit outcome depends on his lawyers not justice: Alex uses his $45 millions to appeal

TX GOP taking lessons from dictator on migration and marriage and hate

GOP votes to let drug makers charge unlimited price for insulin: not pro life for illness

Informant tells where stolen US secret nuclear documents hidden in GOP HQ

 

“Insanity: doing the same thing over and over and expecting different results.” 2020 vote

 

NC schools to pack AR-15 instead of waiting for Sheriff Buddy Harwood: 30 rnd/min

GOP denies election valid then claims win: supporters have lost their minds

GOP claims Biden uses Gestapo tactics: now they feel what it was like under Trump

GOP terrorists "tailgate" primary ballot boxes. This voter intimidation in red states. 

 

IN drug firm moving jobs out of IN to keep, attract more diverse staff: pro choice

Tesla caught false advertising: false claims on capability of autopilot

SPIN:“Dietary supplement is not a substitute for a healthy, balanced diet,” study says.

RECALL: Lyons Magnus issued a massive recall for 53 different drinks a 

Complaints: 2020 Ford recall front brake hoses rupturing prematurely adequate?

 

Lee Weiss PA caught advisor fraud related to a Ponzi-like scheme: fine 5 years prison

Hello Digit caught used faulty algorithm caused overdrafts and penalties for customers

SCAM: So-called wrong number/text: you get engaged and they pop you for cash

SCAM: PayPal invoice scam: give password to clear wrong debit and they pop you

 

Rent-A-Center caught deception, overcharging thousands: fine no jail

Celebrity promoted NFT artwork has no disclaimer: celebrity is part owner

BEWARE: Facebook traffics in hate group searches: ‘ban’ hate makes more searches

Walgreens helped flood San Fran with opioids: thousands of orders deemed suspicious

 

 

Covid test expiration date extended by FDA

Five Things Your Advisor May Get Wrong About Social Security: make appointment

 

 

Jobs

½ million get jobs July: market grows 14% a year last 5 years: inflation takes the extra

Educators: educator expense deduction rises to $300 in 2022

MetLife to hire 400 for Global Technology Hub Cary NC

 

Fastest growing occupations: projectionist, turbine techs, ushers, nurse practitioners

 

 

Who owns your account now?

Home buyers with “excellent” score (760+) pay $288/mo less than buyers with “fair”

Best hospitals in US: maybe worth the trip

Consumer Reports: 7 Hybrids to Save You the Most Money on Gas

 

Best truck rental firms: Uhaul, Budget, Penske

Best low-cost vehicles to own for 5 years: Kelly Blue

Best ideas for a lifestyle retirement: prepare for a future with others

 

Use your education credits for students and yourself

 

Miracles:

Floods bury cars in Death Valley: BIG change in climate is here

Speed up: climate change might affect the rotational speed of the planet: snow to ocean

Arctic is heating up four times faster than the rest of Earth:

 

“If the cost of standing up for the Constitution is losing the House seat, then that’s a price I’m willing to pay,

Gas suddenly cheaper: did Russia war end, Saudis discover oil: Exxon needed bonus $$

 

One person makes a difference to KY community that comes together to save neighbors

McDonald's plans reopening its restaurants in Ukraine over the next few months 

 

FBI raids Trump’s FL mansion: missing FBI & defense texts: unindicted co-conspirator

 

 

 

 

@

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!

There is no TIME at this level because of force fields come and go in all directions. 

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.

The electricity we use comes from the field around the wire not from election itself.

 

 

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/