Can a couple create an equally-pleasing retirement?
Whatever you are dreaming about for your retirement needs to be discussed with your spouse. Let’s assume you have plans; so your spouse must have plans too. Do you discuss the plans? Do you plan when best to retire? If one of you wants to continue working, this may give you both experiences about your time in retirement. Perhaps waiting to collect SS benefits will up your income by 75% over early retirement benefits. If both of you start SS benefits at the same time, your income tax may increase since benefits are taxed as your income increases. Two income households can save more IF there is mutual planning. Divorce can destroy both of your futures. Spousal IRA doubles tax-advantaged savings. Written plans make them real.
Discussion is necessary: https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224
Pay yourself or pay credit card industry?
Credit card debt is
rising at its fastest clip in more than 20 years, according to the Federal
Reserve Bank of
Avoid interest and taxes on future income: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072/
What kind of advisor works best for you?
Advisors cost money—a lot of money. If you have $500,000, you may be paying $10,000 a year for that quarterly review or quick telephone message. Over a lifetime or long periods of engagement you may be giving up 63% of your potential total nest egg. Fees are guaranteed to the advisor no matter what they do for you. If you need help in making a plan for investing or retirement or whatever, a better deal is to find a professional planner fiduciary that charges one fixed fee. Like a lawyer, this fee usually covers an analysis and a couple of meetings to answer your questions. The analysis can be extensive. Ours was over 50 pages and showed us how our retirement income could last for over 30 years. The fee was $750—reasonable considering no advisor in our area would accept us since we did not have over $1,000,000 for them to “manage.” Most of our money is in stock qualified IRA funds which we don’t want to manipulate or buy products. We were happy with our 9% annual earning.
Look before you sign an advisor: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957
As repair costs soar, reliability becomes more important.
Here are the 2022
Consumer Reports Auto Reliability Report rankings of major automotive
brands:
1. Lexus
2. Mazda
3.
4. Infiniti
5. Buick
6. Honda
7. Subaru
8. Acura
9. Nissan
10. Mini
11. Hyundai
12. Chrysler
13. Porsche
14. Chevrolet
15. Audi
16. Cadillac
17. BMW
18. Ford
19. Kia
20. Volvo
21. Ram
22. GMC
23. Mercedes-Benz
24. Volkswagen (31)
25. Genesis (30)
26. Jeep (26)
27. Tesla (25)
28.
Cancel coverage you don’t need: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634
?**********ACCOUNTABILITY**************?
Like 1776, this
period is a test
of democracy—We
rejected an "American
fascist" once
The
Path to Dictatorship: 2010-2030
Parallels of this era in the past
may hint at our future: democracy breaks apart legally
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 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 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
Trump: President
Biden is 'enemy of the state'
Christian
Nationalist Party (CNP) replaces
GOP
Jan 2025 Dictator
pardons himself: his Supremes Agree
How Govt wastes our money:
Wealthy
avoid paying taxes so they
can buy our elections: $20
million buys a lot of juice
There's No
Recession In Luxury With Dior, Mercedes Sales Booming
We
paid for tech sold to China that helped their advance hypersonic missile
program
We give our money to
Intel, etc for chip making and they lay off workers: profits balloon
Jan
6 Findings are history: do we prefer our version of reality: 2 versions of
‘democracy’
US sliding
into authoritarian government LEGALLY
just like other former
democracies
Will Steve Bannon
ever serve a day in jail for giving the House Committee the ‘finger?
9 million people and
families failed to claim
their IRS tax credit payments
GOP
House leaders threaten cuts in SS and Medicare: But we paid in already
Supremes have
another chance to undermine elections: states
not voters can decide prez
SCAMS/SPINS:
Thousands
lost hundreds of millions in crypto when scamgangs hit Coinbase acconts
Mortgage: mistakenly
wire down payment to a hacker.
You
may never know why you were denied that apartment: tenant screening scams
Only
HALF of us are confident in fair vote counting: Trumpists think OK if win
Gen Flynn now new
Billy Graham: Holy War (jihad) Politics is American’s religion
Catholic elites caught
ignoring abuse of innocents: cardinal and bishop abuse kids
Giving
a 15 year old access to a shotgun: what kind
of urban society does that?
Genworth Life caught
unfairly raising rates for 13,400 policyholders
Keith Springer caught
using “deceptive marketing” push annuities high fees: defrocked
Stephen Romney Swensen, estate of, caught
Ponzi after death: promised 5% guaranteed
American Airlines caught
taking bogus bag fees: pay back $7.5M lied re credit card perk
ACTIVE Network caught
tricking people into enrolling into subscription discount club
Cetera caught
misleading clients share class selection/revenue sharing infractions fine
Credit Bureaus caught
putting/keeping crap data in our credit reports: junk data abounds
BEWARE: Cash App
Scams: learn the tricks and techniques scammers are using
7
cereals called ‘unhealthy’ by gov: too much sugar and salt
Social Security COLA
increase may put us in next tax bracket: benefits
taxable?
Teachers
with emergency certifications, low-income Black neighborhoods get less
again.
Twitter:
like China's WeChat, a "super app" does video chats, messaging, streaming,
payments
Recall baby formula by Abbott who Improperly
Sealed Bottles of Similac: profits
soar!
Putin
takes Ukraine kids to make them Russian just like Trump separated kids for
US.
British
Prime Minister Liz Truss resigns: her last appearance
Jobs
Good
financial jobs expanding
Our vets, generals
and admirals work for foreign powers after we pay to train
Remote
jobs will get harder to find
Who owns your account now?
Can You Back out of a Real Estate Contract?
Maybe—each state is different
Medicare options open for 2023: https://www.medicare.gov/plan-compare/
Texas
woman nearly died: infection allowed doctors could not perform legal
abortion
Use your home’s equity wisely: big asset you can use before you sell out
Vanguard had rare month of outflows: most fund owners in for long-term
Miracles:
On-site
renewable energy: a revolutionary
bladeless wind energy: quiet no solar panels
Now
we can buy
hearing aids over the counter: do your research for $200 value
Cancer
vaccines could be ready by 2030: uses mRNA nucleic acid to target intruder
Two bizarre blue
blobs of light glimmering in our planet's
atmosphere: UFO?
Scotland
tries different way to reform women in prison
Student loan
forgiveness: https://studentaid.gov/debt-relief/application
2023
tax rates offer break for middle income payers: wealthy already
have breaks
Our Universe is Mind-Blowing
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 (galaxies
to stones) in universe 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 a little
Physics Nobel Prize:
“entanglement” 2
particles share info instantly at a distance
“It may be that gravity and quantum mechanics are
exactly the same thing,” Leonard Susskind
There is no TIME at this
level because of force fields come and go in all directions.
Universe expanding: events
may not come together like they did before.
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/
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