Friday, September 8, 2023

How to protect your nest eggs

 

How to protect your nest egg

Most of us are concerned about our nest egg for the present and the future. Is locking it away in a bank account or CD the best for us? This is the path many take. However even at 3% inflation, a nest egg shrinks—it can fall by HALF in 25 years. Unless you have a fortune coming from relatives or a business sale, you may be in trouble. The way some of my readers are protecting their egg is by making it bigger. Obviously you may need to take a risk but they are using a calculated risk not a foolish risk. There are immediate risks like gambling an egg at the casino or commodities or leveraged product at your broker’s firm. An educated risk is one that you can account for in your portfolio choices. These include diversification and quality asset ownership. Some investors are keeping their stock market index balance higher than suggested by their advisor. Some are changing their asset type to more conservative ones like residential real estate funds. Some have purchased individual rental real estate when mortgage rates were unbelievably low and properties were cheap. We are now past that time of purchase and they are looking forward to sales or a 1035 exchange. You can keep it simple by comparing the long-term growth of a low-cost stock market index fund rate to your present rate of return and picking the avenue that best suits your time frame. Some readers are holding over 50% of their eggs for the long term in stocks simply because they know that the 11% average will help them in the future.

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

 

Market volatility will continue: what to do?

There is no ‘safe’ investment: risk must always be figured into your investment strategy. Is it risky to put all your money in high-interest CDs and money markets? Is it risky to put all your money in any one investment? Most experienced investors know that they have to avoid the extremes of risk since the situation can change quickly. Right now both the stock market is above average (S&P500: 18.09%) and the fixed income market is above average (Five-year: 5.4%). Many financial professionals get paid to speculate on which way markets will swing. They have all been wrong at different times, so it is foolish to follow any one guru. Most of my readers are telling me that they are “staying the course” meaning they will keep their favorite current asset allocation. They have moved from 70% stocks to a lower comfort zone as they aged. If they had 30 years to recover from a stock market decline they were holding at 70-80%. As they entered their 70s, they made another adjustment. Finally, most in their 80s have shifted their ratio to 40-50% stocks. Some made changes every 10 years but very few made changes because the market screamed “sell” or “buy.” Most have financial future ‘insurance.’

Hold your allocation: https://www.amazon.com/Financial-Future-Insurance-mutual-funds

 

 

 

********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 

 

Aug 1 2023 Trump indicted by the United States of America

Conspiracy to defraud the United States

Conspiracy to obstruct Congressional proceeding

Obstruction of and attempt to obstruct an official proceeding

Conspiracy against right to vote

 

 

Attempted coup d'état by any other name

 

350+ people have been sentenced to jail or prison.

 

 

Trump and His Gang Get the Mob Treatment

 

Aug 4  “IF YOU GO AFTER ME, I’M COMING AFTER YOU!”

 

Mobster #1 Enrique Tarrio gets 22 years 

Mobster Stewart Rhodes sentenced to 18 years

Mobster Ethan Nordean gets 18 years

Mobster Dominic Pezzola sentenced to 10 years

 

 

 

Aug 14 2023 Trump & 18 indicted by the State of Georgia

 

VIOLATION OF THE GEORGIA RICO (RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS) ACT SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

CONSPIRACY TO COMMIT INIPERSONATIN PUBLIC OFFICER FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

CONSPIRACY TO COMMIT FALSE DOCUMENTS

FORGERY IN THE FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

FILING FALSE DOCUMENTS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

 

 

Aug 24 2023 The Don, Racketeer: GA jailhouse real ‘mug’ shot

 

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

For every $1 the feds spend auditing the top 0.1% of earners, it makes back $6.

We waste $22 million making clothing with sensors, cameras, and wires woven in

Navy wasted $100 billion on Littoral combat ships that never worked

 

 

SCAMS/SPINS:

Trump claims under oath to have saved “millions of lives” as president?

 

Surgeons scheduling two or even three operations at same time: fake billing

 

TX to keep people from traveling out of state for medical help: seizing med records

 

Scammers pretending Geek Squad tricking people into giving their personal information.

Google Chromebooks expire?

Ford is making "hundreds of millions" on software, with margins over 50% : car at cost

 

Cars are now computers selling our personal info to brokers

 

Network 1 Financial Securities caught not watching excessive trading: Reg B1

Wells Fargo Advisors caught overcharging advisory fees: fine $35 million

Filthy Rich Politicians: what this wealth means for our political systems

 

Five advisors caught failing to keep client assets safe, make audits

Avoid these tax traps: not one account, tax-deferred, tax-free accounts, low level tax time

 

Jobs

Disbanding police forces, citing hiring woes

Shrinking numbers of primary-care physicians everywhere

Shrinking industrial base—knowledgeable workforce lost

 

https://jobs.interestingengineering.com/

EV techs in great demand                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Need skilled EV tech: 800 volt system shocks, fires danger need knowledge

work-from-home-companies

 

Who owns your account now?

Weird Facts about Social Security’s Retirement Earnings Test: benefits? 1st yr rule?

New AC technology can save electricity and environment: temp rises; costs less

Secure Act changes have made Roth conversions even more appealing: minimize the tax 

1% down payment option, opening homeownership to more borrowers

 

Insurers cut hurricanes, wind hail cover from policies along coastlines, wildfire country.

Most buyers don’t negotiate home loans: so pay extra for years: younger, wealthier don’t

Credit card debt just climbed above $1 trillion for the first time: delinquencies = 7.2%

 

Compares six retirement withdrawal strategies to extend your retirement income: Report

Extension filing deadline is coming up October 16, 2023

Family governance plan: passing on wealth from creators to inheritors

 

Estate Plan Review Checklist: help ensure your legacies stay on track.

 

 

Miracles:

Headband may detect signs of Alzheimer's in sleep

Chronic diarrhea is a tabooed disease”: now treatments

Scientists growing medicine-filled plants to replace injections

 

Stem cell breakthrough cures gorilla's arthritis in a first

Implantable artificial kidney may end need for dialysis and post-surgery drugs

Paralyzed person controls a computer with their brain

 

the hottest August — and hottest summer — on record

Kushner’s Affinity backed by Saudi Arabia fund in first investment in Israeli company.

Biden canceled 7 oil and gas leases in Alaska’s Arctic National Wildlife Refuge. 

 

Blood test for Alzheimer’s diagnosis earns high marks for accuracy

New lithium-ion batteries could help power home from renewable energy

Inflammation discovery paves way for anti-aging treatments

 

Controlled electrical noise stimulation improved mathematical learning

New cancer treatment tricks tumors into not spreading

 

 

 

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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.

A ‘particle’ is an event; not an objective thing. This event is set of complex relationships.

 

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.

New method to study systems with long-range interactions: previously puzzling experts

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

 

 

 

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