Friday, July 28, 2023

Investors learn picking winning stocks is too hard

 

It is hard to know how much we need for retirement income

According to one survey, 47% of respondents have less than $100,000 saved for retirement. With Social Security benefits, this amount will likely require much thrift in spending during our senior years. Almost half of the participants—43%—believe they can retire with less than $500,000 in savings. Given that inflation will decrease our nest egg by HALF every 20 years; this will leave us with about $1,041 a month. The average monthly Social Security benefit among retired workers is about $1,666. That’s about $2,707 a month. Clearly some of us are going to have to keep working to make ends meet. Lack of money in retirement, not saving enough and not paying down debt are the three regrets of many retirees. Do something now: find an estimate of your retirement income at retirement-income-calculator.

https://www.amazon.com/You-Can-Afford-Retirement-FEE-FREE/dp/1517738253

 

Investors learn picking winning stocks is too hard

It is almost impossible to pick the stocks that will beat the market overall. Most advisors need to sell their firm’s favorite stocks for a profit so buying a low-cost index is rarely recommended. Proven over and over, money managers are really terrible at finding the next “big play.” There are too many variables and unknown conditions for even the smartest computer/analyst to pick the right ones for the immediate or even the long-term future. So most experienced investors follow the advice of the proven masters of investing— Warren Buffett and John Bogle. The index of all or the largest stocks promises to provide long-term investors with the best chance of success: diversification, low-cost, solid 10% returns and ease of use. You can use either the fund or ETF (brokerage account) versions. You grow your money in a tax-FREE or tax deductible account. The best part is you never have to be anxious about your stock picks. Investing is not gambling; it is owning profitable businesses.

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

 

Is pay-per-mile insurance right for you?

With pay-per-mile, you pay a few cents for every mile you drive, which could translate to a much lower monthly rate. Drivers who travel fewer than 10,000 miles per year may be able to save money with pay-per-mile. This cover may be right for those who work from home or have very short commutes. Pay-per-mile could save you a small fortune compared to traditional insurance. College students, seniors, public transit riders, and anyone who drives less than 30 miles daily can save. Remember that the insurer’s meter also tracks the quality of your driving. Slow down, drive deliberately.

https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634/

 

Save on insurance you don’t need

Travel insurance may not cover your event since there are usually many conditions you may not be informed of at purchase. Collision coverage might not be worth it if your car is especially old. Home warranties are another contract that must be researched—there are few pros. Identity theft is not preventable—the coverage does not stop criminals—it only helps pay for repairs, which may already be available in homeowners or credit cards cover. Dental insurance through work is a bargain. If you buy cover, it pays little on your big bills like root canals and crowns. Child life insurance is a waste of money. It is better to put the premiums into a mutual fund that could grow to $25,000 over time. If you have auto cover, you don’t need rental car coverage. Your credit card may extend the manufacturer’s warranty instead of buying extended warranty insurance. Take a look at the AVMA’s guidelines for pet health insurance policies and know what to watch out for.

Save on all insurance by investing in your emergency account: https://www.amazon.com/ Industry-Insiders-Guides-Buying-Insurance/dp/1466435712

 

Is gold a great investment for uncertain times?

Gold is not what it seems. Gold is a commodity and the price change is determined by supply and demand. You probably think a bar holds its value. But most of us don’t buy a bar for long-term security. We buy gov Treasuries for security long-term. Most of us think gold vehicles are better than stocks for the long term but that has proven wrong time and again. The S&P 500 Index of stocks had a 10.43% average annual total return between 1970 and 2022, according to an analysis by Securian Asset Management. Gold had a 7.7% return over the same period. The price of gold, which is often viewed as a safe haven, typically jumps during times of fear and economic malaise. This makes gold a speculative investment for short periods of stock market falls. Folks rush into gold when afraid of a crisis like now but the S&P 500 has already passed 19% gain in 2023. Over time stocks outperform gold by 3 to 1 ratio.

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

 

The wealthy are bargain hunters just like you

Yes, many wealthy working people got rich and stay rich by shopping for the best price/value for their situation. They got wealthy by saving and avoiding wasting money on stuff they did not need. You may do the same but the wealthy got that way by doing bargains for everything. They don’t pay their financial services person 1-2% of their portfolio every year. That $5-10,000 a year savings goes straight into their low-cost mutual fund account. They may have invested in Apple, MS, Amazon and other stocks early so now they are sitting on $1 million worth of securities. They use those securities to take out loans for investment or for current expenses. They don’t pay taxes on those loans because they are loans not INCOME. Income is taxed. Read how some of the working millionaires have done it in The Millionaire Next Door.

https://www.amazon.com/Working-Millionaire-Tax-FREE-Self-insure-Self-fund/dp/1460945484

 

A wealthy person used tax loophole to save $38 million

Most of us can’t use this loophole to save taxes. However, when the rich receive a tax deduction, those unpaid taxes must fall to us to make up. For the ultrawealthy, donating valuables like artwork, real estate and stocks to their OWN charitable foundation is an alluring way to cut their tax bills. In exchange for generous tax breaks, they are supposed to use the assets to serve the public: Art might be put on display where people can see it, or stock sold to fund programs to fight child poverty. Across the U.S., such foundations hold over $1 trillion in assets costing us taxpayers $ Billions in later taxation. The law was supposed to benefit us the public but often it only helps a few elites. A tech billionaire used his charitable foundation to buy his girlfriend’s house. A venture capitalist couple’s foundation bought the multimillion dollar house next to their own without ever opening the property to the public. A favorite strategy is to claim your private foundation museum of your own art as a ‘reservation-only’ operation. Our Congress people make the rules and let the wealthy contributors evade enforcement. Are wealthy donors likely to start following the rules of a public museum? Response: “But this is my museum!”

You can avoid paying their tax in the future: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976/

 

 

 

 

?**********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 govt overthrow 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

 

Mar 11 2023 Pence straddles his place in history

 

Mar 31 2023 Trump indicted misusing election money

 

Apr 7 2023 One GOP guy decided which drugs we can use

 

Apr 9 Illustrated Anne Frank book removed by Florida school

 

Apr 21 Trump: “I am your justice

 

May 9 Trump guilty of sexual abuse

 

Jun 8 Trump indicted by the United States of America

Violation of the Espionage Act

Conspiracy to obstruct justice

Making false statements 

 

Jul Trump indicted by the United States of America

Violation of the Electoral Count Act

Conspiracy to defraud the United States

Witness tampering

Conspiracy against rights

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

While Earth burns: NASA spending $ Billions to look for aliens not climate fixes

Private Foundations allow Ultrawealthy to take Tax Deductions: we pay their taxes

NRA tells GOP: stop funding gun-violence research

 

NASA wastes $300 million on nuclear rocket to Mars yet people sick by space travel

NASA wastes $ millions providing test aircraft for Boeing: Boeing reaps the profits

 

SCAMS/SPINS:

GOP opens door to cutting Social Security for younger people

GOP in eight states have moved their state supreme courts to the right

GOP loading up spending bills with personal gifts of $7.4 billion to friends/supporters

 

Overpriced Gold coins being pushed to Fox Newsmax etc conservative audiences

 

 

how-to-spot-idiots: 5 red flags clue for ‘woke’ folks

Just 14 percent of 13-year-olds read for fun: next gen faces real challenges in creativity

 

IRS says agents will no longer knock on taxpayers’ doors

IRS taxes your annuity income differently than they promised; it’s complicated

 

Trader Joe’s recalls two types of cookies because they may contain rocks

“Skiplagging,” getting off at a layover stop, could land passengers in serious trouble.

Tesla rigged readouts to provide “rosy” projections of how far owners can drive

 

MS jails mental illness patients without charge: last state to violate Constitution

MS ignores child labor laws:16-year-old boy dies in a poultry plant: 2nd one, 30K fine

Anti-vax liar Kennedy had his own children vaccinated: putting US kids at risk

Doctors with bad info allowed to continue to hurt us: friends on boards ignore actions

 

FL plunges its children into shameful ignorance on US history and social relations

Only a slave owner would say that his slaves were given apprenticeships ‘develop skills’

 

Brent Seaman FL caught $35M Ponzi Scheme on Church Members: claim currency hero

 

Chuck Roberts FL negligence, fraud, breach of contract: $23 million in structured notes

LPL Failed to Supervise Reps Investigate Red Flags: Fined $3M

Adam Daniel Kaplan caught fraud money laundering $5 million from elderly or disabled.

 

AI Chatbot Duped Social Security Staffers. 

 

Hunter Biden sold his art to donor who Joe Biden named to a prestigious commission

 

Jobs

Where the new manufacturing jobs have gone: south, northwest

24 Part-Time Jobs for Retirees: do what you like to do

More radiation safety experts needed: medical, science, industry, consultants

 

The rise of gig workers is changing the face of the US economy

Work at home: https://bookkeepers.com/free-classes/the-penny-hoarder-rocks

78% of employees prefer free food to a company happy hour

 

Automakers joint venture build large electric vehicle fast-charging network

 

Who owns your account now?

 Benefit Caps on Florida’s Alimony Law

Focus Financial goes private 

5 insurers of home/auto leaving FL climate change requires homeowners diligence

 

Some used car prices fall: some still overpriced: new vehicle averages $725 monthly

Beware sellers push cheap Flooded Cars

Auto insurers rating by JD Powers

 

Misinformation, Disinformation: A guide to sorting fiction from reality

Married couples: reasons NOT to file a joint federal income tax return.

 

Miracles:

Gene therapy eyedrops restored a boy’s sight

Blood Prick Test for Alzheimer's Shows Promise

A pill delivers insulin directly to the gut — replacing injections for diabetes patients

 

Biden funds precision cancer surgery to help cut cancer without damaging the good stuff.  

 

Even lawyers don’t like legalese but ‘sounds’ good and copy/paste easily: laziness

 

Found a ‘gravity hole’ in the Indian Ocean: Earth has holes not smooth

Israel tests limits of democracy as practiced by politicians

Research to merge human brain cells with AI secures national defence funding

 

 

 

@

 

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

In place of atomic lattice, light waves used to create an optical lattice with same geometry

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a distance

Quantum mechanics violates local realism: two objects behave as single system at 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

Strange state of physics that allows energy to flow frictionlessly through a material

Bending light from extreme gravity reveals largest black hole so far

Curved SpaceTime: heavy masses and simultaneously quantum effects become visible

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: created our time.

Our planetary system: rarest system: only 1% of all systems with same number of planets

 

Stars fueled by the self-annihilation of dark matter might have been spotted for the first time by JWST

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/

Physicists knew black holes eventually disappear particle by particle. Now they think everything else does, too

Astronomers discover raw materials for life are present all across the Universe: methyl cation

 

 

@

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/ No AI used in these comments

 

Friday, July 21, 2023

Is selling your life insurance right for you?

 

Move recent market profits to less volatile space?

S&P 500 index up 18.89% YTD Friday causes more anxiety. Some advisors forecast doom and some say it is a new bull. What can we do? My smart readers have taken their excess profits to their balanced fund that contains 62% bonds (Vanguard Wellesley Income Fund). They still maintain their portfolios consisting mostly of the “Ten Best Vanguard” funds. Most have changed the original 10% allocation to overweight the Wellesley Income fund as they have progressed in retirement. Since they don’t know how long they will need their nest egg for income, they continue to hold their chosen allocations. They rely on taking equal amounts from each fund to fulfill their RMD obligations. However, to cover a large expense (new used car) they sell each fund equally. They may take the funds from their Roth IRA in order to control their annual income tax bill. Diversification helps them weather the storms. Also most hold individual securities in their brokerage accounts.

 

2022 Returns   Vanguard Fund         Long-term Return      Longevity

-19.8% 500 Index                                            10.8% since 1976

 24.0% Energy                                                   9.4% since 1984

-26.4% Extended Market                                 10.0% since 1987

 -0.8% Health                                                   15.7% since 1984

-30.1% International Growth                            10.2% since 1981

-14.9% PRIMECAP                                        13.4% since 1984

 -9.5% Small Cap Index                                   10.6% since 1960

-8.8% Wellesley Income                                     9.3% since 1970

-2.9% Windsor                                                11.3% since 1958

-12.9% Windsor II                                           10.7% since 1985

-10.2% Average                                               11.1% *              *Average Annual Returns as of 12/30/22

 

https://www.amazon.com/What-your-RMD-much-spend-ebook/dp/B07D17RFZ6

 

 

How much do Gen Xers (born 1965-1980) need to save for retirement?

This is the age group who question me the most on this important issue since I have had the experience of investing and living on a nest egg for over 10 years. Consider how inflation reduces our buying power each and every year. Stamps are now 66c instead of 37 cents in 2003. In other words, a nest egg of $1 million today will only buy about $600,000 of goods in 20 years and only $300,000 in 40 years. Instead of receiving $3,333 a month for life from the million dollars starting today, you would receive only $2,000 a month for life from the inflation-diminished nest egg value. So, to overcome inflation over a lifetime, Gen X folks must use the higher return of stocks to reach $1.6 million in 35 years. To reach this goal, Gen X must invest about 66% more per month for 35 years to get a comfortable nest-egg income in retirement. Many present day retirees who were used to employer-sponsored pensions were caught unaware of the power of inflation to wipe out their long-term savings/investing dollars. Since 1998, Gen X could use a tax-FREE account to enlarge their eggs by 25-32%.

Go Tax-FREE: https://www.amazon.com/You-Can-Afford-Retirement-FEE-FREE/dp/1517738253

 

Save your first $1000 in one quick move

You can increase your savings this year with one change. Most of the folks I talk to have come to the conclusion that they are paying too much for the financial services they use. Because their firm deducts their fees, charges and costs in smaller amounts sometimes not even showing up on their statements, they don’t really know the total for the year. They have had the experience of being misled into positions that were NOT favorable even after being assured by the sales person the move was beneficial to them. After several of these seemingly bad moves after being told the opposite, these folks have looked and found a better alternative. They discovered that they can call on a knowledgeable and unbiased licensed professional for a less expensive consultation on their money challenges. Since these advisors work on a salary, NOT commission, basis they are less likely to be steered into a mistake. Since they pay less for the same services, they keep more. Most were ahead by at least a $1,000 the first year. Since then some told me they have saved over $25,000 because they are not paying an advisor based on their total holdings. They laugh and admit their old advisor did nothing to increase their overall portfolio some years. They paid all the costs no matter what happened—win or lose money. Lower-cost advisory firms offer more value and so, save you money.

Simple as that: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

 

Is selling your life insurance right for you?

The industry calls this a “life-settlement” transaction. The buyer becomes the beneficiary of your policy. The new owner keeps making the premium payments until you die. The buyer is betting that you die before they pay you more than they paid for the policy benefit. Policyholders with terminal illnesses receive significantly higher offers. Some brokers offer instant estimates. You need to be old enough or sick enough for investors to be willing to take on the risk of buying your policy. You must be 65 years or older to qualify. Many states require owners to be terminally ill with a life expectancy of less than two years or chronically ill and unable to perform at least two “activities of daily living” such as bathing, eating, dressing or going to the bathroom on their own. This sort of sale is usually referred to as a viatical settlement rather than a life settlement. The average policy face value in life settlements was $1.24 million in 2018. You might need long-term care but don’t have another way to pay for it, such as a long-term care insurance policy. Your reason for creating a legacy may have changed. You may just need the cash and the premiums have become a drag on your lifestyle. If you stop paying the premiums, you may get nothing—the insurer may keep your premiums. An overwhelming majority of policies that are sold are universal life insurance policies. Licensed brokers do the comparison shopping for you—an auction—so they get a commission. These companies do NOT know what is best for you so learn the pro/con factors. You can cut out the broker and sell directly. See https://www.lisa.org/af_memberDirectory.asp. Before you commit, get 3 offers.

https://www.amazon.com/Life-Insurance-Need-Save-right/dp/1480002178

 

Why retirees have less income in retirement

More than half of us retire earlier than expected, a new study finds. This reduces our SS benefits by 25% or more during our whole retirement. Further, we must use up our other funds before we would want. Funds have no chance to grow by saving/investing since we are forced to use them earlier than might be expected.  the most significant factors influencing individuals’ expected and actual retirement decisions are health status, wealth level, age, marital status changes, mortality expectations, education levels, disability and major illness diagnosis. Other factors like economic downturn, labor misalignments, industry turmoil, and retirement expectations may cause retirement on and off again decisions. Factors associated with higher retirement ages include a change of marital status, lower mortality expectations and higher education levels. More than 44% of the respondents retire before age 62. “Only 16% retired at the age they expected.” Most surprising is that people actually retire well before Medicare eligibility age of 65. Health insurance coverage becomes another drain on their nest eggs. Adequate planning is required to maintain future income expectations.

https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

 

Is an Equity Defined Protection ETF right for you?

These buffer ETFs or ‘defined-outcome funds’, have been around since 2018. Buffer funds offer buffered exposure to stocks by limiting investors’ downside risk while also capping upside potential. Some ETF buffers track S&P 500 returns up to a capped percentage over a two-year period. Some will promise to protect against 100% of stock losses. Of course, the trade-off is the 1% costs and the limit to potential gains. The risk and reward has been limited since many buyers are looking at annuities to do the same. The marketing ‘hook’ of 100% protection is a powerful concept but the owners of these funds have no idea how the newest products will fair in the future. Thus with anything new you are entrusting your money to no guaranteed outcome.

Know what your money can do: https://www.investopedia.com/terms/d/downside.asp

 

Do stocks outpace bonds over the long run?

Many investors and paid product providers have been convinced from studies of certain time periods that stocks beat bonds in terms of real total returns. Thus your 401k and other fund choices have long advised a 60/40 portfolio set up. But in some studies (The Death of the Risk Premium, for instance,) it show this is a false dogma used to drive sales. Because there are periods of outsize gains, investors continue to be attracted to more ‘sexy’ fast moving stocks. Most of us never looked at the real outcomes over time. We have not learned that “ordinary long-term Treasury bonds have outpaced the broad stock market.” “None of this analysis is contingent on any assumption that market P/E ratios or dividend yields should return to historical levels. If there is not a positive risk premium, then actuarial return assumptions are likely to be too optimistic.” The implications of “no positive risk premium” for the industry is overwhelming. So the wise investors should be keeping their portfolio at 50/50 since there is no advantage in stocks. Likewise this study finds that “mainstream bonds are supposed to reduce our risk and provide useful diversification” and they don’t. It is another false dogma. Perhaps a low-cost balanced fund like Vanguard Wellesley Income Fund is the right place to be for all of our lives. It has provided 9.23% since 1970 with 61% higher-quality bonds from almost every sector of the economy.

https://www.amazon.com/Your-Retirement-Mutual-Funds-retirement/dp/1481114026

 

 

  

 

 

 

 

 

?**********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 govt overthrow 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

 

Mar 11 2023 Pence straddles his place in history

 

Mar 31 2023 Trump indicted misusing election money

 

Apr 7 2023 One GOP guy decided which drugs we can use

 

Apr 9 Illustrated Anne Frank book removed by Florida school

 

Apr 21 Trump: “I am your justice

 

May 9 Trump guilty of sexual abuse

 

Jun 8 Trump indicted by the United States of America

Violation of the Espionage Act

Conspiracy to obstruct justice

Making false statements 

 

Jul Trump indicted by the United States of America

Violation of the Electoral Count Act

Conspiracy to defraud the United States

Witness tampering

Conspiracy against rights

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

IRS ‘Cracks Down’ 175 Millionaire Tax Cheats: that story is old: yields less than costs   

DeSantis State guards being trained for military combat as personal militia his command

NASA expensive rocket to return to moon makes no sense: we already did it 54 years ago

 

Trump got his own-appointed judge for espionage trial: will he ever face fair justice?

Trump tries to breeze-by all his trial dates so prez above law: MAGA supports dictator

Trump feared NRA so much he let NRA veto any action on Parkland massacre

 

Military emails with sensitive info sent to Mali, a close ally of Russia: not ML, “MIL”

New ER costs: 500,000 Texans have lost Medicaid coverage since COVID-era: use ER

U.S. blacklists spyware companies: security threats: foreign gov to target Americans

 

 

SCAMS/SPINS:

We are now using loans to buy food: ‘buy now, pay later’ to finance high grocery prices

FTC Bans ‘Extended Vehicle Warranty’ scam

Real estate broker’s lies to sell: confessions of a broker

Scam: airline phones are going to scammer after your money: very ingenious

 

Chuck Roberts FL 8 investor claims $23.5 million unsuitable trades structured notes

James Tri Truong CA nondisclosure 3 previous felony charges

Scam: looks like a letter from the “IRS” alerting you to a refund: check irs.gov/refunds

Snap Finance caught deceiving consumers, obscuring terms, making false threats

Mark Grenon and sons charged conspiring defraud US and deliver misbranded drugs

Eliyahu “Eli” Weinstein others charged defrauding 150 investors of $35 million Ponzi

 

 

Supreme’s code of conduct been stalled for years: Supremes create the law so above it.

Supreme Thomas helped GOP superdonor Crow deduct $ millions from taxes: yacht trick

 

Teixeira who leaked secret docs wants “freedom till trial like Trump in similar case” haha

 

We dread killings but we do nothing: deadliest 6 months of mass killings since 2006

 

5 shot MD drive-by after funeral, shooter left

1 killed 2 injured ND gunman killed in crash dispute

4 killed GA small town: shooter killed 2 police hurt

 

Injecting human-made, sun-blocking aerosols into the stratosphere to alter rainfall?

Scam: Fulvic Essentials “dirt” may have lead and arsenic: pyramid scheme

Social media is rotting our personal relationships, our humanity and our sense of self

 

GOP supports coal, gas, oil producers for contributions so to plant 1 Trillion trees offset

GOP money for DeSantis going to Dem Kennedy who supports racist ideology

DeSantis, others sued over alleged ‘election police’ voter intimidation

 

GOP hates “Woke” people: you’re ‘woke’ if you reject the stupid stuff some preach

 

Trump: indictments are "a great badge of courage" ‘any publicity is good publicity’ $$$

GOP: Trump’s gov overthrow OK: McCarthy reversed “Trump bears responsibility

Will Trump ever pay Jean Carroll for sexual abuse judgment $5 million? Any bets?

 

Michigan AG charges 16 ‘fake electors’ in 2020 scheme

 

Title Lenders Trap Low-income Americans in Debt

Fidelity plan users had data stolen by hacker from vendor firm

Now the recession is off; last month it was on for 2024: stock market sizzles @ 18.8%

 

Jobs

Work-From-Home Jobs That eventually Pay $100,000: work your way up

Some employers help you pay student loans

New AI assistants “agents” or “copilots” to perform complex personal/work tasks 

 

Chip maker specialist in 2 new plants: on job training

 

Who owns your account now?

Social Security rules for divorced spouses

IRS Issues New 2023 RMD Relief for IRA Beneficiaries

Some used car prices have dropped 30% from 1 year ago: slide continues

 

Staples offers FREE recycling of electronics at stores nationwide every day. 

FedNow, money transfers/bill payments: more secure, at dozens of banks/institutions

CD, DVD bought and sold for cash

 

Dental work for less if you do the research

 

Miracles:

Month of 100-plus-degree days break records: few worker protections

880 fires burning throughout Canadian territory: 580 are “out of control”

Miracle if oil, gas, coal execs will give up bonuses to save our world, planet

 

Hundreds of golden retrievers gather in Scotland

Scientists find that metals have a natural ability to heal themselves

 

 

Hero’ fisher saves girl from drowning in Oregon’s Columbia River

Teenage brothers build and launch model boats to circumnavigate Antarctica

 

Simple Test Predicts What Kindergartners Will Earn as Adults: inattention!

Doctors in the Northeast launch abortion pill pipeline into states with bans

New prostate cancer pill for advanced cases gives men new hope of survival

 

 

 

 

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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

In place of atomic lattice, light waves used to create an optical lattice with same geometry

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a distance

Quantum mechanics violates local realism: two objects behave as single system at 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

Strange state of physics that allows energy to flow frictionlessly through a material

Bending light from extreme gravity reveals largest black hole so far

Curved SpaceTime: heavy masses and simultaneously quantum effects become visible

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: created our time.

Our planetary system: rarest system: only 1% of all systems with same number of planets

 

Stars fueled by the self-annihilation of dark matter might have been spotted for the first time by JWST

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/

Physicists knew black holes eventually disappear particle by particle. Now they think everything else does, too

Astronomers discover raw materials for life are present all across the Universe: methyl cation

 

 

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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/ No AI used in these comments