Avoid losing in a Ponzi: lessons from the most revered “criminal” Ponzi

 

Avoid losing in a Ponzi: lessons from the most revered “criminal” Ponzi

Google Bernie Madoff. He was close to regulators, held post at NASDAQ, and had his own Wall Street firm. “His famous Ponzi scheme destroyed the life savings of hundreds of investors and completely fooled supposedly sophisticated money managers.” First a few (feeder) money managers, calling themselves ‘experts’, told clients he would make them money with little risk. Experts take a cut but give Bernie the money to “manage.” Bernie looked legit even to other ‘experts’ who checked him out—until one guy analyzed Bernie’s returns over time. It took time and financial analysis which most ‘experts’ don’t do. Bernie sounded good in public presentations. He often acted secretive about his ‘formula’ and sometimes refused wealthy people’s money. Some early investors got their expected returns so told every one that they got in early and made a bundle. Some were part of affinity groups that added more legitimacy. They start out willing to listen and then they fear missing out on the deal other members got or will get. They write checks to the person not the trust or custodian like Vanguard. They never check if licensed at brokercheck.finra.org/. Most folks never asked to see his track record on investment specifics. Warren tells the truth about most bad investment like crypto because he doesn’t sell it and he has analyzed many scams. If the scheme is so good why would they give away their secret to you? Best advice: if it sounds too good to be true it probably is. Don’t jump on the next crypto train. There were no assets in crypto banks. Which personalities make you fall for scams? See money scams.

https://www.amazon.com/Money-Scams-2014-insurance-financial/dp/1505437962/

 

Is a QCD tax-deduction right for you?
IRA owners age 70½ or over have the option to transfer up to $100,000 to charity tax-free each year. These transfers, known as qualified charitable distributions or QCDs, offer eligible older Americans a great way to easily give to charity before the end of any year. Moreover, for those who are at least 72, QCDs count toward the IRA owner's required minimum distribution (RMD) for the year. Like other IRA distributions, QCDs are shown on Line 4 of Form 1040 or Form 1040-SR. If part or all of an IRA distribution is a QCD, enter the total amount of the IRA distribution on Line 4a. This is the amount shown in Box 1 on Form 1099-R. Then, if the full amount of the distribution is a QCD, enter 0 on Line 4b. If only part of it is a QCD, the remaining taxable portion is normally entered on Line 4b. Either way, be sure to enter "QCD" next to Line 4b. Further details are in the final instructions to Form 1040.

Avoid taxes on all your retirement savings: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072/

 

Another regulator mistake

Approval of the “Index-Linked Variable Annuities” is another financial disaster waiting to happen. As a gift to Wall Street and the life insurance industry, you can lose more than your shirt to the sellers of this incredibly complex and expensive product. Most of the sales people who sell these products don’t understand them let alone can explain the down-sides to us. They earn high commissions up front and then torture you with fees, expenses and mortality charges for the rest of your life. When the brokerage firm I worked for sold them, I had to deal with the misunderstandings and re-interpretations in the sales pitch and contracts that incited the buyers. Yes, there is a guaranteed interest rate (annuity) but it is usually not worth the frustration. Also if you have an emergency and need the money, you will need to pay 1-9% of your contract value to surrender the policy. If you like what the sales person tells you about these vehicles, ask a fee-only CFP to review the full benefits and costs.

You have alternatives: https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019/

 

Industry advice on how get rich is all WRONG

Some online money sites claim to connect you with some of the “sharpest, shrewdest investors” anywhere for a Free second opinion. The Free ‘questionnaire’ is just lead generator for brokers. You give name, location, and phone. You DON’T need a ‘sharp, shrewd’ investor/broker. You only need to follow Warren Buffett’s advice.

WRONG: Spend $50/mo for home warranty instead of building an emergency fund. Fact not sales hype: What about car, health, family, other needs?

WRONG: Repair your credit score with credit-“building” loan firm. Through a series of installment loans for which your loan rate is NOT divulged until you sign loan papers. Fact not sales hype: Double, triple min payment on smaller loans first. Score goes up.

WRONG: Invest small amounts in “lucrative real estate holdings.” Past “average annual rate return of 5.29% over the past five years.” Fact not sales hype: More hidden costs take your net earnings. Stick with Buffett’s advice.

WRONG: Buy some form of long-term care, like nursing homes or independent living facilities. No one wants to think about going to a home one day, but you probably will. Fact not sales hype: 4% of Americans over 65 live in nursing homes. In addition, 2% of Americans in this same age group live in assisted living facilities.

WRONG: Buy art shares. Art market had a record-setting season: “over the last 26 years, art prices have outpaced the S&P 500 by almost double.” Fact not sales hype: IF you know what art to buy, some people make $ millions.

WRONG: Chase down new online banks paying 16 times more on your savings if your bank only pays 0.23%. However, make sure you can get money if you need it this week.

WRONG: Invest in certain gold companies and they give you Free silver as bonus. Fact not sales hype: before you do read the headlines about bits and pieces to make you rich.

WRONG: Use certain online loan consolidators to find best one from many lenders. Fact not sales hype: it is only when you are turned down for your loan that you learn the requirements, real rate and contract signing costs. Ask many questions at local lenders.

WRONG: Use certain online car insurance consolidators to find “low-cost” insurers. Like most of us, you’re probably paying too much for car insurance. But shopping around for a better deal can be a hassle. However, these firms earn commissions from getting you to give all your data on another questionnaire to receive a price quote. Warning: sellers will call/email you for the rest of your life. Fact not sales hype: Call three of the popular insurers in your area. Insurers change their rates and target buyer groups every couple of years so you must keep checking. I call every two years to obtain the best deal for me. And it is cheaper to buy Umbrella liability from the same firm. Warning: sellers, not you, save by ‘Bundling’ your coverages. Home insurers market benefits differently.

https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

 

 

 

 

?**********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

 

 

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 limit” J6 comm threat

 

January 6, 2021 “A 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’

 

Mar 11 2023 Pence straddles his place in history

 

Mar 31 2023 Trump indicted misusing election money

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

First Republic's courtship of the wealthy led to meltdown: we pay to make them whole

FDA knew of positive test months before latest infant formula recall: delayed 3 months

Credit Suisse still helping wealthy dodge U.S. taxes, Senate finds

This is why we have the inflation we have: too much money for toys not chip factories

 

TX votes down emergency pricing orders to secure power in storms: cold left TX cold

 

SCAMS/SPINS:

Trump indicted charges payment made his consort: failed report campaign “expense”

Trump: threatened others ‘death & destruction’: red flag court?

Trump The Angel of heaven: “The final battle” stop ‘Satan from deceiving nations’ Rev.20

 

Pence testify grand jury investigating January 6: “he endangered my family” I Forgive

 

Manhattan D.A. receives threatening letter with white powder

Tucker: indictment ‘greater assault’ on democracy than Jan. 6 but great for our revenues

GOP Rage Against Criminal Charges: Law Order Prison when Dem or Hunter or Blacks

GOP see indictment as boon for Trump in 2024: followers open up empty wallets

 

 

 

Boebert: “The guns are the most important thing”: for fun, protection, ID, hunt

Police feared war gun in Uvalde shooting: we are all at risk—kills in seconds

NC residents can buy handgun without permit from local sheriff

Some states are banning war guns to protect citizens: others want more kid killings

 

GREAT IDEA: “Gun fun” gun ranges with rented assault weapons: you go; guns stay!

 

Grade school killings three children dead: war gun sprays death to kids, adults fast

Why talk about “motive”: 6 more are dead!: thousands of AR-15s sold daily Pandemic!

Poll: Patriotism, religious faith, having children, tolerance used to define us: falling away

 

FL student's 'discomfort' causes cancellation of civil rights class: Nazis taught DeSantis

FL Parents Say They’re Enraged and Afraid: DeSantis medical board bans med help

TX judge stops ACA covering Preventive Services: cancers, diabetes, and mammograms

 

Deepfakes & AI Could Destroy the 2024 Election: check where you get your info

Taking tax advice on social media can be bad news for taxpayers

 

Gouging: High egg prices send profits at largest US producer soaring more than 700%

 

Compromise ‘mills’promoters claim their services are needed to settle IRS debts for less

Scammers using fake charities to dupe taxpayers, especially following major disasters. 

Scam: USPS Forever Stamp,$17.98/100PCS. $139/1000PCS! 80% OFF STAMPS.

John Woods GA caught Ponzi scheme $25 million over 10 years: promised 7%

Surage Roshan Perera NY caught stealing $4 million from an investor: defrocked 7 times

 

Texas abortion funds resumed helping finance people’s out-of-state procedures 

Cigna Saves $Millions by Having Its Doctors Reject Claims Without Reading Them

 

When Buying Car Insurance, Bigger Isn't Better: CR top picks

50,000 Tesla Model X vehicles over front seat belts: some don’t work

Honda recall 330,000 vehicles due to mirror cracking issue

 

78% of patients disputed medical bills had charges reduced or removed: tricks cost us

Our IQ scores drop in four of five measures: 3D rotation (spatial reasoning) increased

 

Jean Vanier living saint hiding sect’s deviant activities from church authorities.

 

 

Putin puts nuclear weapons at Ukraine’s door:

Putin court jails single father of a 13-year-old who drew antiwar picture in school

 

Jobs

The number of workers below $15 has halved: it’s bare existence at $2,400 a month

Tech Jobs Are Still Paying $120 an Hour

Best Jobs for Self-Employed Workers

 

 

Who owns your account now?

Best Laptops of 2023: CR best per use—pay for what you need

CA Prius drivers wait months for new catalytic converters: stolen from over 100

 

Miracles:

Scotland Is the First Western Democracy to Get a Muslim Leader. 

 

NC GOP helps 600,000 low-income residents get health insurance: Obama victory

 

Layton Hoyer Granby MO fought raging flood: save woman in sinking SUV: broke seal

Jeff Neil Exeter, stops attack on plane crew and possible cabin exposure

Electric Brooklyn building heats from deep Earth: less CO^2

 

Redefine Meat offers 3D-printed meat sales in Europe: Soy and pea proteins, chickpeas, 

Instant beer powder is here thanks to a German monastic brewery

Drug can reproduce the positive effects that exercise typically has on our muscles, bones.

Plants make popping sounds when thirsty or under other kinds of stress just like us

 

 

@

 

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

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 electron 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/

 

When to start your guaranteed stream of income

 When to start your guaranteed stream of income

Most of us are lucky: we can start our guaranteed income stream whenever we want. We only need to decide how much we want or how much we need to live comfortably. And the bonus at no extra cost is that the benefit grows with inflation. My wife and I began receiving our guaranteed income stream at different times in our life so it is easy to compare how your decision can make a huge difference. I started my stream of income at age 62 because I could find no work. I have been getting my monthly check of $1,691 with inflation step-up for a number of years. It goes right into our checking so we can spend it right away. No wait to clear a paper check. My wife liked working so she waited to start her stream of income till she could improve her benefit no more. At age 70 she began and now she receives $3,495 a month. This is over double my benefit and my last salary was greater than hers. We pay nothing extra for the inflation increment each year and the administrative costs. Medicare costs come out of the benefits automatically so we don’t have to worry underpaying our health insurance plan. These benefits come because we paid for them every paycheck. No supplemental insurance (annuity) could have matched these benefits for life. Plus we get to keep our retirement funds growing—earning more for later. “The question isn't at what age I want to retire, it's at what income.”

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

 

Have you taught your child how to make tax-FREE money?

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with about $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. I have used this 'Wealth Reserve' as I call it to have funds to buy low-cost insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a month in retirement supplement. Now your child can build an account that provides tax-FREE education and retirement income too.

Time is on their side: https://www.amazon.com/Give-your-child-leg-up-manage/dp/1096505355

 

If you are worried about your money in a bank, move it

Most large banks can handle your money unless you keep $millions in 0% savings loosing money. Even holding Treasuries isn’t safe. Many of my readers aren’t worried because they are riding out the craziness of the gains and losses of the gamblers’ market moves. When gamblers loose at the tables, they are supposed to go home poorer. The well-connected never have to suffer it seems. Congress is happy to lower the bank regulations for their schemes. Regulators are happy to please the rich and famous, especially if they sit on the same boards. My readers are investing for the long term so they only have to keep their money spread around in profitable businesses as Buffett advises. Over time they have been rewarded with gains and dividends that will help their nest eggs grow. They don’t have to speculate on stocks or ETF during these crisis times. They are happy with most 10-year growth periods. Using low-cost mutual funds that compound over time they have found steady growth—doubling their funds every 7 years. They own shares in real profitable firms making things of value not ticks in a computer. It is TIME, not timing that builds wealth.

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

 

S&P 500 up 5% YTD vs 5% 1 year CD

Investing is about taking a chance—short or long-term. With your CD, you will always receive your 5% in a year. You will usually pay a penalty to withdrawal early. Your money is guaranteed up to $250,000 unless the government steps in to make you whole no matter how much you lost. This doesn’t happen often. Investing in the top 500 US corporations gives you no such guarantee but you have the chance to earn 32% or lose 18% in one year. However, over time investors have found the 11% average return annually. Average is important. There are bad years. But your funds double every 7 years if you wait. My readers have found that after some time—10 to 15 years—they have a balance that allows them to take out enough money for emergencies. They don’t need an emergency fund as a 1 year CD. They don’t pay a withdrawal penalty if they need the money. With certain tax-FREE retirement accounts they can have their cake and eat it too. They can withdrawal without penalty or tax due. More likely they just keep building a bigger retirement account because the low cost accounts maximize the Miracle of Compounding. That is the Buffett secret to wealth.

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

 

In 2024, Roth 401(k)s will no longer impose RMDs

The Roth 401k will get even better in 2024. Your money—deposits and earnings—are already tax-FREE after retirement (contributions are never taxed). Starting in 2024 you are not subject to RMDs which make you take your retirement benefit out every year. This means you get to create a legacy for your family without a trust—FREE. You can use your money whenever you wish. The required minimum distributions are required for 401k and IRA accounts because you get the tax benefit at the time of contributions. This lowers your income and tax if you pay in every payday. If you also make contributions to a Roth account, you have the option of never paying income tax on the gains. Thus you could turn your Roth IRA or 401k into a tax-FREE retirement system worth $millions

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

 

 

GOP vision of America’s future “freedoms”: what they are doing/will do

Children’s education reduced to DeSantos Conservative ideology

WV bans health care for transgender minors

FL wants to ban the Democratic Party as revenge for toppling Confederate monuments

FL blocks League of Women Voters legal activities (rally, meetings)

 

FL DeSantis will have a veto-proof majority in both chambers: junta installed

Kids Carry concealed weapons without a permit back to 18

Cancel programs on diversity, equity and inclusion, and critical race theory.

TX takes over Houston Independent School District: GOP not parents will run schools

 

SC Republicans want death penalty for mothers after abortion: christians? kill women!

 

Death sentence without a unanimous jury.

Easier to sue journalists you don’t like

Further restrict abortions. TX man sues 3 women for helping his ex-wife obtain abortion

WY medication abortion providers could serve six months in prison

Near-total ban on abortions drives doctors away: ID hospital stops delivering babies

 

Trump: military to ‘stop’ crime: martial law replaces civilian control of cities: dictator

Couples with 10 kids would have their property taxes cancelled under TX law

Catholic group spent millions to track gay priests: Russia or America?

30 GOP states limit public health authority: next pandemic wipes out million+?

 

AR Gov bans child sex talk and child labor law limits: roll back child labor protections

Child abuse? kids under 16 can marry in West Virginia with parent consent

GOP repeals long-standing environmental rules: business to take ‘Freedom’ hand

FL Gov raises private army: 150,000 “brownshirts”, answer only to DeSantos

GOP Clarence questions our right to counsel in criminal actions against us

 

Pence: “History holds Trump accountable” but ‘I won’t help jail him NOW’: 3^rd Rail?

 

Wealthy avoid tax we have to pay

How do all these wealthy people avoid the taxes we need to fund our military, legal system and the airports? They use them but don’t pay. They fly their private jets from the airports we pay for, the legal system they use more than us and all the military supports around the world as they visit their global homes and businesses. Our country taxes personal income not loans on $millions in assets. This means we pay for what they use and they don’t. We can’t afford to buy legal help to use special financial tricks to reduce taxes. We can’t afford owning sports teams or real estate or “hobbies” that show paper loses to deduct from our income. We can’t afford to buy the help of Congress people who change the rules on business income like Trump did in 2017. One critic said, "Wealth managers are bragging" about the effectiveness of their "tax dodging tricks." Even when they die, they can leave $ millions to their legacy using special rules to avoid the estate tax. This is how dynasties happen and the cycle of tax avoidance continues. Wealth perpetuates itself almost automatically.

Use your tax haven: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

 

 

 

 

?**********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

 

 

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 limit” J6 comm threat

 

January 6, 2021 “A 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’

 

Mar 11 2023 Pence straddles his place in history

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Money for new Moon Rover but not for hungry US kids: priorities?

Own your own bank: capitalism without risk: CEO changed law & keeps pay packet

Farm lobby seeks more subsidies: GOP to cut Food Stamps for poor: corn for gasoline?

Fed raises rates to increase joblessness 4.5%: my credit card already at mob rate: 29.99%

 

NY prosecutor cancels meeting: Trump gets away with crimes again?

 

SCAMS/SPINS:

Trump is inciting another overthrow of our gov: “TAKE OUR NATION BACK!”

Fake images of Trump arrest show how propaganda may tear US apart

 

Fox silences own producers from telling about falsehoods it broadcast about election win

Tesla recalls 362,000 of its Full Self-Driving (FSD) Beta software: causes crashes

238,000 Honda Civics probe: steering can stick, increase in effort, risk of a crash.

Hyundai and Kia 571,000 SUVs and minivans park outdoors: tow hitch harnesses fires

 

Ford recalls 1.5 million: fix leaky brake hoses and windshield wiper arms that can break.

Media influencers (not doctors) paid to hawk drugs on TikTok

Matt Damon, Tom Brady, Reese Witherspoon caught promo crypto: fees hidden: no jail

Toxic ‘food’ brominated vegetable oil, red dye 3, potassium bromate, propylparaben and titanium dioxide?

 

Grover Norquist conservatives stop free tax filing service we need: gives $500+ to Turbo

IRS finds worst scammers this year

Tax refund myths: IRS warning

Trial over fake Trump real estate tax deductions halted by bomb threat: mystery caller

 

Darryl Matthew Cohen caught steered money to self, fund his son’s basketball league.

Nick Palky caught stole $250,000 client’s account using forged checks to steal

Joe Harding GOP FL caught fraud $150,000 in Covid Relief scheme: no jail

Portfolio Recovery Associates caught illegal debt collection practices: fine no jail

 

CO allows gun-toting teen to show up at school every day: what think would happen?

How US succession happens in specific areas: schools, taxes, laws, red-line, clubs, sports

 

baseless-claim-that-jan-6-rioter-flipped-against-the-fbi-circulates-on-twitter

false-reports-claim-bill-gates-faces-premeditated-murder-charges-over-vaccines

Countertop composter Lomi does NOT make “nutrient-rich fertilizer.” 

 

Arrest warrant for Putin: stealing kids from Ukraine homes: Seal Team 3?

 

Jobs

Construction industry faces a gap of roughly half a million workers; skilled trades too. Application rate jobs like plumber, electrician dropped by 49% between 2020 and 2022.

More than 550 slots for emergency medicine residents were left unfilled this year

 

White Americans feel left out; even they think they don’t belong. This is not good.

25 High-Paying In-Demand Jobs: salary & requirements

Tennessee plant aims to build 500,000 electric trucks

 

 

Who owns your account now?

DJ Equity REIT Index beats Total return S&P 500: stocks up in last decade

Medicare special plans to help with expenses and coverage: do you qualify?

Millions of people could lose Medicaid next month: check now

 

5% one year CD for temporary money: shop bankrate.com/banking/cds/cd-rates/

 

what-if-i-cant-pay-my-taxes: here are your options: it costs less to deal with the IRS itself

 

 

Miracles:

'Vibrant' Roman mosaic discovered under supermarket in Olney

Some ingredients crucial for the advent of life arrived aboard rocks from space years ago

Some young Americans are turning to friends to find romantic partners: not vid strangers

 

 

 

 

@

 

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

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 electron 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/