Where is your
long-term money?
S&P 500 hit 16.52%
GO with Warren
Buffett’s FREE advice.
https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592
Is home insurance
hard to find in your area?
CA and FL targeted
for fewer underwriters of home insurance. Insurers don’t want the risk of
fires, storms and floods. So how do you find coverage? As soon as you receive a
non-renewal letter, take note of the date when coverage will end and start
searching for an alternative. In high-risk markets where some insurance
providers are opting to leave, a special carrier may provide the coverage you
need. The policies may be more expensive than those offered by other companies.
Many states provide state-backed homeowners insurance, to replace or supplement
private coverage. In
https://www.amazon.com/Homeowners-Insurance-Beware-Coverage-Policy/dp/1480100870/
Did you plan for
your life expectancy to rise with age?
A significant share
of older Americans underestimate how long their retirement is going to last. Most
people know that the average American lives to an age between 75 and
80. Less well known, apparently, is that life expectancy rises with age. Confusion
over human lifespan complicates the business of planning for retirement, a
phase of life for which many Americans are already underprepared. More
than two-fifths of baby boomers have no retirement savings, even as the postwar generation
enters retirement years, census data show. The median boomer household
held $134,000 in retirement savings in 2019, according to a
NerdWallet analysis. People approaching retirement wrongly assume that
stock market volatility is their biggest financial peril, economist Gal Wettstein
said. In fact, the far greater risk is “living so long that your money runs
out.” According to an AARP analysis, nearly half of Americans have no access to retirement plans at work, especially at
smaller firms with fewer employees. The National Council on Aging offers
an Age Well Planner. Many retirees agree: not saving enough,
SS benefits too small and extending debt.
https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793
Is the auto-IRA retirement
plan right for you?
This plan is
available in 19 states for private-sector workers. A growing body of evidence
shows that the development of these programs is already having a positive
effect. Even workers who don't start saving until later in their careers can
benefit by delaying the age at which they claim Social Security. According to one
study, these auto enrollment offers increase the probability that any given
individual in a state works for a company with a retirement plan by roughly 3%,
while the probability that the individual participates in some kind of
savings arrangement jumps by 33%. Today, some 55 million wage and salary
workers between the ages of 18 and 64 lack access to an employer-related
payroll deduction plan. Workers without such a plan could use a private-market
IRA to save, but few actually do, especially among those of modest means. Claiming
SS benefits at age 70 instead of 62 provides almost double the amount per
month. Older workers using these auto-IRA plans could bridge the years to the
higher SS benefits. Taking early Social Security benefits will just not be
enough.
Create your
retirement supplemental income: https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224
How will you convert
your retirement nest egg into income later?
Most retirees know
how to create retirement assets but have no idea how to receive a lifetime
income from the assets. Advisors usually talk about an insurance product called
an annuity—you pay a lump sum in return for the insured monthly payments. This
product is the most expensive method of creating income but provides a
guarantee that retirees love. However, besides the high costs (high commission
to advisors too), you give up a sizable portion of your premium if you need
money in a hurry. Plus most annuities will keep your premium and earnings if
you die too early to receive the full account amount. Recently, Congress has
given the green light to insurers
to sell a plan making an annuity an option for employers to give retirees when
they leave. Thus your employer does not have to contend with closing your
401k and 403b accounts. Nor do they have to explain other options for your
retirement income.
Consider other
options: https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573
1st
summer job for your teen?
Teach your kin about
the smart way to save and invest—start from their first job. Their life will be
greatly enhanced if you show them investing is not gambling or buying the one
stock that will make them rich. This is especially true for your female
offspring. About a third of women (32.6%) say they never learned about saving
for retirement, according to separate research by TIAA and Emily Oster, an
author and professor of economics. A disproportionate percentage of the
workers laid off recently appear to be women. Investing is a habit that can
be automated so they do not have to think and write a check monthly. Most young
people want to buy everything else before they even consider investing part of
their pay. You have to let them know that it is TIME not timing the markets
that wins. Most first time savers are not persuaded by a retirement goal. So
you have to make it clear that regular investing of $100 a week will allow them
buy a car from their savings/investing account worth about $25,000 in just 4
years.
Every young person
needs a car: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355
?**********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
Billionaires
paid $881 million for votes in 2022
midterm elections
Nov 2020 Wealthy
discredit election process
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 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
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
Jan 2025 Dictator
pardons himself: his Supremes agree
How Govt wastes our money:
We’re Building
Things Based on a Climate
We No Longer Live In
NASA's plan to return
samples from the surface of Mars cost an estimated $9 billion.
Tax
rates change July 1 in some states
“Both
parties prefer gridlock because both believe it reduces risk of losing next
election.”
SCAMS/SPINS:
Leonard Leo a
conservative spent $1.6-billion via a nonprofit to sway Trump’s Supremes
Trump’s
Supreme Thomas “affirmative
action ‘critical’”; “race-conscious”
admissions fail
If religious belief
allows 1 owner to discriminate, laws
are negated by religious choice
Scam using IRS
letter: notice “in relation to your unclaimed
refund” asks photo ID
Anthony Liddle WI caught
$1.9M Ponzi Scheme: fake reports of low-risk investments
Hightower Securities
caught alleged
violations of rules in selling alternative investments
David Ray Barnes TX caught
selling unsuitable energy, real estate, financial securities
Trump-appointed
judge’s ends
coordination between gov and social media companies
Trump
indictment (sharing national secrets) helped him raise $35 million for ‘24
GOP
faked designer complainants in Supremes’ case religion backs mass discrimination
School
guard with gun need not keep kids safe if afraid: didn’t enter to look for
gunman
2
dead 28 shot MD street block party; shooter left
3
dead 31 shot in IL; shooter drove off
5
dead 2 kids injured PA: 50 rounds
from man in vest; now arrested
3
dead 11 shot TX “large crowd gathering" in the parking lot
9 Shot, wounded
in Washington, D.C.: SUV seen driving away
Is
nation where bullets fly at schools, parties, parades really free?
DeSantis takes over landlord-tenant
relationships and agreements: rents
run by state
Judge blocks DeSantis’
election
law as unconstitutional
Homebuying Myths: what
NOT to do
Many
online product reviews are fake: take account of all reviews
Multivitamin
daily does nothing for long-term memory
Aspartame
can cause cancer: diet drinks need new subsitute
Delaware
Giving Companies Right To Vote Raises Legal Questions: why bother voting?
Maternal
mortality rates more than doubled: 1999 and 2019
Jobs
Happiest Jobs of 2023: Top 5 Most Fulfilling Careers
Part-time
money flipping items you know value of
Over the past 15 years, nonprofit
employment has grown 33 percent
Minimum wage $7.25 (2009) would be $10.24 if
adjusted for inflation: we are losing
For the 1st time, Black
workers just as likely as Whites to have jobs
Who owns your account now?
File your 2019 tax return refund
claim by July 17 deadline
Big
profit from unclaimed packages: 7 sites
Our
average debt is over $54,000: cards, mortgage, cars
Forever Stamp will
climb from 63 to 66 cents on July 9, a
5% rise: 2nd in 1 year
Best
New Car Models for Quality: JDPower best by type
Miracles:
Electric
flying car approved by FAA; company now accepting preorders $300K
FDA grants full
approval to new Alzheimer's
drug meant to slow disease
Personalized
vaccine could enlist the immune system to fight pancreatic cancer
“Underground lake”
for over $20 billion of agricultural production risks running
dry
Rare octopus
nurseries discovered deep in the
Google Quantum
computer can instantly
execute a task that would take 47 years
10-year-old
plays Chopin’s Fantasie Impromptu with extraordinary command and poise
July
4, was the hottest day ever recorded globally
Tel Aviv police
chief quits, citing hard-right cabinet pol. whom
wanted excessive force
@
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
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/
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