Friday, February 24, 2023

Is long-term care insurance right for YOU?

 

Investing is about compound interest not stock picking

Many of my readers never made more than $100,000 a year yet have grown their nest egg to over $1,000,000. It starts with a goal and commitment to invest $250 a month or $8.33 a day. Investing is about keeping the commitment to yourself and your family. “Staying the course” was what Vanguard’s founder, John Bogle used to say when he gave advice. For the most part, that is what his investors have done during the downdraft of 2022. In your index account, your first 5-year total may be $19,500. Your 10-year total return is about $51,600: 15-year total $104,400; 20-year total $191,400; 25-year total $334,400; 30-year total $569,800; 35-year total $957,000; and 36-year total $1,060,400.

It is all about compounding from $250 a month over 36 years. You paid $108,000 total over 36 years and compounded $250 a month to over $1 million. Low-cost index funds earn over 10% a year on average. Of course the value of $1 million is eroded by inflation over time but would you rather have $1,060,400 or $108,000? And you could spend it all without Fed or state income tax using your tax-FREE account.

All it takes is TIME: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

 

 

What does Charlie Munger (Warren Buffett’s colleague) say?

What does Charlie Munger say about paid investment management? “How many managers are going to beat the indexes? All costs considered, I would say maybe 5% could consistently meet the averages. Everybody else is living in the state of extreme denial. They’re used to charging big fees and so forth for stuff that isn’t doing their clients any good. It’s a deep moral depravity. If some widow comes to you with $500,000 and you charge her 1 point [.01%] a year for, and you could put her in the indexes, but you need the 1 point. And so people just charge somewhat a considerable fee for worthless advice. And the whole profession is full of that kind of denial. It’s everywhere.” In Munger’s company 401k, only index funds are offered since participants keep the 1-2% usually taken from their returns. Participants keep all their money’s returns. They avoid giving up to 63% of their returns to ‘professionals’.

https://www.amazon.com/You-Beat-Wall-Street-professionals/dp/1986031373

 

Portfolio positioning for the long haul (10+ years)

Readers who have built up their “balanced” portfolio using mutual fund account with 60/40 bonds/stocks have given themselves an edge in this uncertain time. Many who have been moving money to their Vanguard Wellesley Income Fund will find that any recovery in the bond and stock markets will help them continue their periodic RMDs through retirement. This fund has provided 5.8% average annual returns over 10 years. It has produced a negative 1-year return of 4.6%. Its average return has been over 9% per year since 1970. This should easily sustain an annual RMD over time to provide a comfortable retirement income without the life-long excessive annuity costs.

https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573

 

Is long-term care insurance right for YOU?

7.7% Increase in Long-Term Care Benefits Payouts

The number of claimants increased 2.7%, to 345,000, and the average amount of benefits per claimant increased 4.9%, to about $38,400. LTCI growth slowed around 2000, when insurers started to realize that claims would be much higher than expected. Insurers forgot people are living longer and interest rates would not continue at 6-8% after the 1980s. This means that new policies are higher in cost with fewer benefits. A LTCI policy will no longer cover most of your needs. Spending more for a contract now may hinder your ability to come up with your out of pocket expenses later. You may be better off finding a fee-only financial planner (not LTCI salesperson) to help you decide how much to spend on LTCI vs making sure you and your spouse have a better plan. Some readers have decided to spend down their assets so they qualify for nursing home care from Medicaid. Others have chosen to cover the possible costs of part-time help with ADLs or housing alterations.

https://www.amazon.com/Long-term-Care-Insurance-Updated-2013/dp/148274001X

 

 

 

 

 

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

 

 

Like 1776, this period is a test of democracyWe 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

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

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

 

Trump still terrorizing election woman

 

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

 

January 6, 2021A date which will live in infamy

 

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

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Dec 3 2022 Trump: cancel Constitution rules so ‘I win

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

US wastes $400,000 on missile to shoot down $12 -$150 party/scientific balloon

Trump cut train traffic safety rules Feb 2018 that may have led to OH accident

OH train crew and observers knew they had a problem before the crash: new rules?

 

SCAMS/SPINS:

Putin suspending participation in START nuclear arms control treaty: ready for WWIII?

 

How image makers trick us about people with a bad rap so they can rule

Children used by meat cutting machines firm to clean sharp-edge blades: fine no jail 

Fox lied: Elites giving conspirators what they want to hear: Tucker agrees

SCAM: fraudulent emails purporting to be from FINRA  Financial Industry Regulatory Authority 

 

Nikki: competency for >75 yr politician+ Gaetz, Santos, Boebert, Greene, Omar, Sanders, Manchin

 

Southern Baptist Convention defrocks largest congregation because they chose women pastor

Which profession do you think has the MOST dishonest people: Politicians

TurboTax tricked us into paying for filing after promising ‘free’: fine, no jail

 

GoodRx caught selling private medical info to medical vendors: fine, no jail

Fake Disney Plus Emails That Steal Your Bank Information

LDS Church caught hiding info about investments in shell companies: fine no jail

 

Teacher fired in FL after posting vid of empty library/classroom bookshelves

Lies that Romance scammers tell to trick you when you are desperate

Is banning books the way to a better future?: Hitler thought so and made a media event

GOP in ID: criminalize vaccines for RSV, cancers, HIV, flu, Nipah, cystic fibrosis, etc

SNAP ends for millions with less aid when inflation rates remain high: ext. ends benefits

 

Fees fees fees: out of control fees for everything: Congress is paid by the companies

Big pharma discriminates: Walmart offers insulin for up to 75% off commercial price

7 Big Social Security Claiming Mistakes Couples Make

 

 

SuperBowl commercials together

Walkers! Benz has camera in dash to film videos to post karaoke sessions on TikTok.

 

Jobs

Some states will pay you to work/move to their places.

Fidelity Investments plans to fill 4,000 positions in the first half of 2023

The myth that layoffs save companies money: window-dressing for bad management

 

Tips for a Successful Modern Job Search

Number of major worker strikes  rose in two decades in 2022: education, health services

employment rate for Americans with disabilities hit a new record last year

 

Who owns your account now?

Housing Affordability Just Hit a Record Low

Mortgage fee cut expected to save homebuyers, owners an average of $800 per year

 

80% of us aged 18-41 get financial advice from social media: everyone’s an expert

Forms required to file taxes: you or preparer need these plus last year’s taxes to finish

 

Miracles:

ChatGPT solution for lonely, singles, seniors, conversational therapy?

Some Venice canals dry up: low tides, climate change

Miracles of Miracles: Face Development in the Womb

 

 

 

@

 

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

Energy into matter: scientists converted light energy directly into matter in one step

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

Gravity might induce the collapse of quantum vibrations into 1 quantum state—our world

 

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.

Gold made from neutron stars: collisions produce more neutrons:79 protons,118 neutrons

The proton is so complicated science still finds new energy entities/forces every year.

 

“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.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

 

 

 

@

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

http://www.theinsidersguides.com/

Alerts available at http://dankeppel.blogspot.com/

 

Friday, February 17, 2023

Why are Congress and Fed only going after worker jobs to fight inflation?

 

Many readers’ portfolios have returned to their values as of August 2022

In a poll of my readers I have determined that for us “holding-period-forever” folks there has been little movement in the value of our well-balanced portfolio. Not one of us sold during the market drop of 18% in 2022. So we did not sell in a down market as Warren Buffett has recommended. We sold our losing speculative stocks in order to take advantage of the $3,000 loss deduction for 2022 taxes. We bought similar stocks to avoid a “wash sale” penalty. Those similar stocks have risen 38% and 63% since the beginning of 2023 since they began at a very low base. They may eventually crash and burn but they have not changed the whole portfolio so far. Our balanced portfolio can continue to grow in order to provide us with a steady stream of income, provide tax advantages, and can grow tax-deferred over time. In fact, a portfolio like ours is better than an annuity because our portfolios are in low-cost accumulation accounts that don’t lose benefit values to inflation. Better than an annuity, in that our families can use the legacy during their lives instead of losing it to the insurer. We can continue to receive our increasing RMD each month. Our benefit will not lose ½ its benefit’s value in 25 years due to inflation. If we need cash for an emergency or new home, we can take our principal anytime (no penalty). Annuities are insurer contracts that restrict our money withdrawals. 

“Do Nothing”: https://www.amazon.com/Wealth-Tao-Wu-Wei/dp/1499351348

 

Why are Congress and Fed only going after worker jobs to fight inflation?

Why don’t we use a balanced approach to lowering inflation—everyone shares the suffering? GOP wants to cut the benefits we already paid for and increase defense spending. Why don’t we use both tax increases for the wealthy people who scored big from the Trump tax cuts of 2017 and slashes to the corporate subsidies that add to the super profits of large corporations? We could bar unlimited corporate cash to all Congress people to keep them in office. Ask every gov department to cut spending 10%. Everyone needs a trim from time to time. Allow IRS to capture the tax dollars we know the rich are hiding using sophisticated tax avoidance techniques. Most corporations pay few taxes while the IRS target low-income Black men. It is not fair to target low-wage workers to give up their jobs to lower inflation others caused. How many airplanes can the wealthy buy with their Trump tax cuts? Higher demand for luxury goods causes inflation more than workers getting a 1-2% wage increase. We added 700,000 more millionaires in just one year. The number of wealthy folks increases annually while the number of workers in poverty rose too—inequality gets higher.

https://www.amazon.com/Americas-Socialism-for-Rich-little-people/dp/1535218584/

 

IRS: Why refunds are smaller this year

Due to tax law changes such as the elimination of the Advance Child Tax Credit and no Recovery Rebate Credit this year to claim pandemic-related stimulus payments, many taxpayers may find their refunds somewhat lower this year. To avoid refund delays, IRS encourages taxpayers to file their tax return electronically with direct deposit instead of submitting a paper tax return. Taxpayers may use IRS Free File on IRS.gov, other tax software or a trusted tax professional. Members of the armed forces and qualifying veterans can file their federal tax return and up to three state tax returns for free electronically using MilTax, a Department of Defense program. The IRS cannot issue refunds involving the Earned Income Tax Credit or Additional Child Tax Credit before mid-February. The law provides the extra time to help the IRS prevent fraudulent refunds. Use IRS.gov to get answers to tax questionscheck a refund status or pay taxes. Some 2021 tax returns and amended returns are still being processed so check https://www.irs.gov/filing/wheres-my-amended-return. This year, the filing deadline is April 18 for most taxpayers, but automatic six-month extensions of time to file are available for anyone for free. See Extension of Time to File Your Tax Return for instructions. 

https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

 

 

 

 

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

 

 

Like 1776, this period is a test of democracyWe 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

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

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

 

Trump still terrorizing election woman

 

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

 

January 6, 2021A date which will live in infamy

 

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

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Dec 3 2022 Trump: cancel Constitution rules so ‘I win

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Despite GOP call for more defense spending, we can’t afford failure to find balloons

Taxpayers give $20.5 Billion to subsidize oil/gas profits

Taxpayers give $57.3 billion to subsidize farming corporations, including Congress folks

 

How to cheat on your taxes but no guarantee you can avoid them without lawyers

 

 

SCAMS/SPINS:

FL collected menstrual dates/times in high school sports activity: deSantos went too far

WY holds librarians/teachers criminally liable IF student exposed to obscene reading

FL residents to carry a concealed firearm without a permit: only pro gun legislators voted

FL deSantis to cancel ALL AP courses in schools just like Black American studies

 

romance scammers favorite “lures” to make $4,400 per scam

“do me a favor” scammer claims as ‘friend’ they need a gift card and will pay you back

 

Tesla recalling 362,000 cars with Full Self-Driving mode due to crash risk: you could die

 

Nissan recall: Air bag can knock steering wheel emblem loose: hurts driver’s chest

Twitter engineers raced to design system that ensures Musk's posts attract more attention

GrubHub refuses to redeliver ALL the items when they leave out items the first time.

 

Trump helps Saudis and Saudis bail out Trump and Jared bad deals

Trump spent $600,000 for his pollsters to find out again he lost the election

 

Is Putin trying to destroy Ukraine like the Nazis tried to destroy Russian in WWII?

 

Adam Belardino caught embezzlement and defrauding several investors: jail.

Diocese of San Diego may declare bankruptcy from priests sexually abusing children.

GOP to “save” SS Medicare by cutting benefits; redirect IRS funding to SS Medicare

GOP Gaetz allowed to avoid jail for sex-trafficking 17 year old: next Trump avoids jail?

 

TX trying to make ALL follow their religious teachings on health: opposite states’ rights

Trend: 1st infant in Kentucky surrendered anonymously at ‘baby box’: Supremes adopt?

 

Jobs

Babysitting rates rose 9.7% nationally in 2022 — a bit less than the 11% hike in 2021

GOP Haley demands mandatory “mental competency tests” for politicians: GOP crazies?

most-educated-states-in-america/: higher pay, greater opportunities

Fidelity Set to Hire 4,000 as Rival Asset Managers Cut Jobs

10 Fastest-Growing Jobs

 

 

Who owns your account now?

Gov to cap increasing credit card late fees at $8: This would save us $9 billion a year.

Most don’t pay Fed tax on state pandemic/disaster/relief payment: not income

2023-vehicle-dependability-study: Lexus 133 problems; Land rover 273 problems

 

US tells citizens to leave Russia immediately

NJ To Require All-Electric Cars, 100% Clean Energy By 2035

upload more docs to IRS; new online option for 9 notices can help resolve issues faster

 

 

 

Miracles:

Home prices drop 10% in some areas: rent is most (and least) affordable: mortgage fell

Teen gives 16,000 valentines to people who might not otherwise get one

dog was lost for 36 hours. Then it rang an animal shelter’s doorbell.

 

Anxiety breathing the right way: 5 min helps to reduce stress

Babies Are Born with an Innate Number Sense

cancer-test-splash-of-urine/ test can detect prostate/pancreatic cancer with accuracy.

 

Beach Boys (scientifically) makes people happier than any other song

 

 

 

@

 

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

Energy into matter: scientists converted light energy directly into matter in one step

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

Gravity might induce the collapse of quantum vibrations into 1 quantum state—our world

 

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.

Gold made from neutron stars: collisions produce more neutrons:79 protons,118 neutrons

The proton is so complicated science still finds new energy entities/forces every year.

 

“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.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

 

 

 

@

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

http://www.theinsidersguides.com/

Alerts available at http://dankeppel.blogspot.com/

 

Friday, February 10, 2023

No one knows why the market is up

 

No one knows why the market is up

The market index is up over 7% so why do some advisors claim we are having a recession. Others think a new rally is not impossible. What does this mean for the middle class, for retirees, for Wall Street? When in doubt, do nothing. Trying to find the next market winners has never been successful. Following the latest technical charts has been mind-bending. Advisors must still make sales to keep their jobs so of course they must pitch something. Some will be successful in their guessing; others will not and we don’t know in advance. The bosses at my brokerage firm used to say “we need activity (securities either bought or sold) to make money. Go through your book.” One of the greatest investors, Warren Buffett, says “Our holding period is forever.”  Lucky investors who follow his advice to use the Vanguard 500 Index fund are enjoying 9.5% over the last 5 years. Most advisors have not beaten that return history.

Control what you can control. https://www.amazon.com/Millionaire-Mutual-Funds-Save-taxes/dp/1534939490

 

Another way Wall Street help wealthy avoid taxes

The wealthy sell their thousands of losing stocks in profitable companies to take the loss against their income to reduce taxes. Then they buy similar profitable companies back so they can take advantage of another round of this tax deduction trick in the future. Since they own thousands of the shares, they create big deductions for future tax benefits. Since 1921, claiming tax losses from so-called wash sales — selling shares of a company then buying them again within a short period — has been forbidden. But former MS chief Steve Ballmer collected his losses anyway because, technically, the types of shares he bought and sold weren’t the same. Both Shell and BHP offered two different versions of their common stock. For each company, the two stocks were legally distinct, but they performed very similarly because they were shares in the same company. Goldman Sachs, which conducted the trades on Ballmer’s behalf, used the stock market’s natural volatility to make this legal tax trick to help him cut taxes. ProPublica estimates that from 2014 through 2018, Ballmer was able to generate tax losses totaling $579 million without changing his investment portfolio in a meaningful way. The tax savings from these losses amount to at least $138 million. The data comes from the PP “The Secret IRS Files” series. Most of us with wage income cannot deduct more than $3,000, while the wealthy can easily deploy $100 million in capital “losses” to cancel out a $100 million gain from selling some of their vast holdings. Most of the wealthy can avoid taxes and run up the deficit for the rest of us to pay off.

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

 

 

 

 

 

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

 

 

Like 1776, this period is a test of democracyWe 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

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

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

 

Trump still terrorizing election woman

 

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

 

January 6, 2021A date which will live in infamy

 

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

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Dec 3 2022 Trump: cancel Constitution rules so ‘I win

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Canceling Trump tax breaks for the rich would cut deficit spending automatically

Firing workers won’t cut deficit: collecting from wealthy tax cheats would cut it.

IRS targets Black men with kids making 30-40K for audits: get easy IRS promotion

IRS can’t decide if 19 states’ pandemic/inflation checks are taxable.

 

Navy planned end of 8 “lemon” ships: FL repair firms’ lobbyists told Congress keep jobs

Chinese spy balloons went undetected: why pay Pentagon?: Trump claims never knew

 

SCAMS/SPINS:

Not one of 8 on scene hesitated killing powerless fellow American citizen. Not one!

MO GOP vote to let children carry guns in public: insanity and death

 

Hidden fees, junk fees, add-ons: FTC says they know: can Congress stop them?

Seven ways to spot a Ponzi scheme, and other scams: be ready, they are waiting for you

AMC to charge more for good seats in movie theaters: soon streaming will cost more

30 states have sports wagering: promise of massive revenues, which haven't materialized.

 

FL school library removes all books: educators can be charged with felony 

 

Scam: TikToker shared her cancer journey and raised thousands on GoFundMe

Fresh Creative Cuisine fruit sandwiches fruit cups recalled due to possible Listeria

Fabuloso cleaners recalled for risk of bacteria exposure

 

 

Mario E. Rivero caught defrauding elderly of $626,000: personal closeness

Atul Makharia CFI’s SC caught sold complex VRSPs to retirees; unsuitable products

WellsFargo caught charged us for unneeded auto-collision insurance; lied to investors.

 

“Do Not Drive”  older Honda Acura if air bags not replaced: explosion can hurt

 

“Why is an 8-year-old carrying a sidearm in the street?”: GOP kills gun safety for all bill

 

Trump: I am victim of prosecutors like “even the late great gangster, Alphonse Capone! 

NH gov: Trump “crazy”, belongs in mental institution but still support him for 2024.

“Follow the money” Koch Billionaire Network Wants to Defeat Trump in 2024

 

Rep. Boebert suggests God used her to stand up to McCarthy: but Kevin won: OMG

Trump’s Supremes can’t agree to act with integrity: leaking decisions, voting GOP, etc

 

Jobs

½ million Americans got a job so Wall Street falls—they wanted more unemployment

10-fastest-growing-jobs-many-pay-over-100000.html

Construction industry needs to attract 546,000 new workers this year 

Retailers are on pace to open even more stores this year than last, at a rate of 3-to-1

 

Who owns your account now?

Price new car hit a record of $48,681: one year’s pay!

Stronger Wi-Fi signal

Medicare ‘flex cards’ are not as advertised: need Medicare Advantage policy

 

Some insurers won’t cover certain Kia and Hyundai models staggering theft rates.

Why do we receive such bad medical service/advice?

 

Miracles:

IRS special Saturday hours for next four months at Taxpayer Assistance Centers (TACs)

 

 

 

 

@

 

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

Energy into matter: scientists converted light energy directly into matter in one step

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

Gravity might induce the collapse of quantum vibrations into 1 quantum state—our world

 

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.

Gold made from neutron stars: collisions produce more neutrons:79 protons,118 neutrons

The proton is so complicated science still finds new energy entities/forces every year.

 

“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.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

 

 

 

@

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

http://www.theinsidersguides.com/

Alerts available at http://dankeppel.blogspot.com/