Friday, December 29, 2023

You only need $250 a month to create your retirement fund

 

Readers: Happy Holiday days spread by your cheer and good will.

                                                                                                                                                                                Dec 2023

 

 

Are interval funds right for you?                                                            

An interval fund is a type of closed-end mutual fund that doesn’t trade on public exchanges. Interval funds are among a broader class of limited liquidity structures—that including business development companies, tender offer funds and non-traded REITs—are meant to be more accessible to retail investors with lower minimums, no drawdowns, simplified tax reporting and regular liquidity windows (intervals). Interval funds have investment minimums as low as $25,000 to $50,000 and are open to accredited investors. They typically provide redemptions up to 5% per quarter. Most carry some cash reserves or a liquidity sleeve alongside their core investment strategy in order to make that liquidity available. Interval funds are popular as a vehicle for debt and fixed income strategies. As of 2022, about 60% of interval funds fit into this bucket. Real estate is another popular asset class for interval funds. The fund periodically offers to buy back a percentage of outstanding shares at net asset value (NAV). The rules for interval funds, along with the types of assets they hold, make this investment largely illiquid as compared with other funds. High yields are the main reason investors are attracted to interval funds. Minimum investments are often between $10,000 and $25,000 and have expense ratios as high as 3%. This is way beyond the 0.04% cost of an index fund. Your sales fee of 5.75% may lower your returns also. Calculate the impact of all costs on the fund you invest in since promises of high yield are not guarantees.

https://www.amazon.com/MasterClass-Buffetts-SIMPLE-Strategy/dp/1983485268

 

You only need $250 a month to create your retirement fund

Yes, because the compounding of stock returns over time, you can create a $1 million fund in about 34 years. You pay about $102,000 over time and compounding does the rest. The average annual stock market return is 11%. From 1989 to 2022, the return was 11.94% before inflation. $250 per month is manageable for most folks. That may be a new car or the total internet plus screening program fees. As long as you are not paying off a huge debt, $250 is a small price to pay for a comfortable retirement. And a $ million may not be enough since people are living longer and medical bills are getting higher. The fact remains that the Miracle of Compounding helps you attain your goal and it only takes time.

https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513/

 

Ride the stock market for life

Since 1976, the Vanguard 500 Index fund (VFINX) has provided over 11% average annual return. Over those 47 years you could have amassed $4.7 million from $3000 annual addition (not counting inflation). Compound interest works. This is the fund Warren Buffett picked to be his sole investment for retirement. He picked a Fed fund to hold his annual income provider, moving his stock market gains and dividends to it annually. That is his advice for most of us in order to avoid the costly monthly, quarterly or annual commissions and fees of “professional” advice. For the really smart among us, a Roth IRA (never taxable) account is the best vehicle for our money. Created in 1998, the Roth IRA accumulations are never taxed so when you need cash for large expenses; you sell VFINX shares ($440 each) but pay no capital gains. After 20 years your balance is over $200,000. As the fund pays dividends you pay no tax on interest annually. As a regular investor, this is the best set up for a life of growth and income. You only have to leave the account balance alone while you add $250 or more a month. Simple, but difficult for most of us to do.

Only for the few: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592/

 

How did you do in 2023?

 

Some readers use the Vanguard Top 10 funds. Here is how they did in 2023.

 

2023 Total Return Vanguard Fund   Long-term Return      Longevity

26.21% 500 Index VFINX                              11.02% since 1976

 8.73% Energy                                                  9.31% since 1984

26.48% Extended Market                                10.09% since 1987

 3.65% Health                                                  15.17% since 1984

13.09% International Growth                            10.04% since 1981

27.17% PRIMECAP                                       13.42% since 1984

19.23% Small Cap Index                                  10.6% since 1960

6.78% Wellesley Income                                    9.16% since 1970

14.92% Windsor                                              11.22% since 1958

21.07% Windsor II                                          10.68% since 1985

16.73% Average                                              11.1% *

            *Average Annual Returns as of 12/28/23

 

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

 

 

 

********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 were 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

 

Oct 2 2023  Kelly, Trump’s staff, confirms Trump called our veterans/wounded soldiers “suckers

 

Dec 2023: Trump using Hitler language to scare us

 

Wannabe Dictatorto run our House of “Representatives

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

military space plane blasts off on another expensive secret mission that lasts years

Wasted taxes: NASA Valkyrie, humanoid robot, works in space: costs $2 million

ME takes Trump of ballot as insurrectionist

Court of appeals not Supremes to decide if Trump is above the law: insurrectionist OK?

Judge accepted new Georgia voting districts that protect Republican advantages

 

SCAMS/SPINS:

GOP gerrymandering in WI districts ended by Supremes: stop district separation

GOP doubts election votes counted accurately: democracy in balance

 

$660 for telehealth analysis of sinus infection: fluticasone, and an antibiotic, Keflex

 

Teen kills sister during fight over Christmas gifts

 

Chingyuan “Gary” Chang CA stole $58,560 from clients, illegal securities sales.

LPL caught violating supervision 125 clients $650,000: sales practice violations: fine

 

BlendJet recalls 4.8 million portable blenders over lacerations and burns 

 

Jobs

AI will help you land your job in 2024

 

Who owns your account now?

So it comes down to this: talk to a lighted table lamp when you have no one else

Why some folks don’t retire: many over 65 don’t want to take traditional retirement

SS benefits not as great as we think they are: when to take SS early  

Living alone is on the rise for all ages except for 21 year olds

 

 Homebuyers are getting much older: costs rise faster than incomes

Ozempic stop addiction: weight loss: stopped drinking, smoking, shopping, nail biting

IRS rules for RMDs has changed: changes in age to start

 

Miracles:

Alabama woman with two uteruses gives birth twice in two days

Completely new cause of diabetes discovered: new treatment may be tested

New Advancements in Managing and Treating Lupus

A new study uses vibrating molecules to obliterate cancer cells

 

One AI engineer warns, “We’re creating God.”

Scientist can convert planet-warming carbon dioxide into a harmless powdery fuel

 

Flowers evolving to pollinate themselves as insect populations continue to die off

“Good relationships lead to health and happiness” Harvard Study of Adult Development

 

 

 

@

 

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.

New theory may finally unite Einstein's gravity with the quantum world

Our Reality May Be a Sum of All Possible Realities

 

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.

 

Natural ‘missing law’ explain how universe evolved: functions increase in complexity over time

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, December 22, 2023

Why we self-insure our family

 

Readers: Happy Holiday days spread by your cheer and good will.

 

Is long-term insurance cost worth it?

The type of long-term care insurance you should choose depends on what you're looking for from your coverage. "Standalone long-term care insurance will only pay out in the event of long-term care being necessary" according to the insurer not you. If the long-term care policy includes "a death benefit, there will also be some amount of payment upon death." Another seller said: "life insurance with a long-term care rider will typically be less flexible than long-term care insurance, cover less and continue to require premiums be paid after the long-term care begins, but have a higher death benefit." So, it's important to consider the pros and cons of each type of policy before you decide which type of long-term care coverage is best for you. Actually there are better alternatives than paying for what you probably could handle on your own. Insurance firms sell only policies that guarantee revenue for them for the long-term type coverage.

https://www.amazon.com/Long-term-Care-Insurance-better-alternatives/dp/147006877X

 

Why we self-insure our family

My low-cost index fund account has gained over 24% this year. We use the one recommended by Warren Buffett, our silent “advisor.” It has provided gains of 2,817.69% increases since 1983. That’s 9.63% a year counting inflation and dividends. It has raised our retirement fund to a level that we can sustain medical and other expenses that may come in the future. Our financial plan predicted we would be set for the rest of our lives in terms of income and expenses. It also accounts for a trust set up for one family member with health problems. Other assets like a moderate-cost home are available also. We decided very early that we did not need to pay the insurance firm’s profits for the rest of our lives just for long-term care peace-of-mind coverage. We kept the $95,000 premium to grow our index stock fund. It worked.

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

 

 

********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 were 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

 

Oct 2 2023  Kelly, Trump’s staff, confirms Trump called our veterans/wounded soldiers “suckers

 

Dec 2023: Trump using Hitler language to scare us

 

Wannabe Dictatorto run our House of “Representatives

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

No Congress in history has spent so much time accomplishing so little as this one.”

Wasted taxes: we paid fortune to separate carbon dioxide from air: but no use to us

Gov helps you pay for your gambling loses: Tax-loss harvesting on bad bets

 

Supremes underpaid? Book deals, vacations, speaking fees, trips, health for life, etc!

 

IRS waives $1 billion penalties for people, firms’ back taxes for years: we pay for it

IRS gives 20% off to employers who falsely claimed Employee Retention Credits: deficit                                                                                                                                                                                                                                                           

 

Elders have seen their share of collective wealth surge during the pandemic: avoid taxes

Wasted taxes to fund Israel: Hamas leader Ismail Haniyeh in Cairo-leaders avoid capture

Police success in solving murder cases has declined sharply since 1973-pay for less work

 

SCAMS/SPINS:

Commonwealth Financial Systems closed for Illegal Debt Collection Practices

Merrill clients protest low yields on cash sweeps

Avoid "pig butchering" scheme: victim befriended then falls for scam investment

 

Scammers hide harmful links in QR codes to steal your information

Scammers took client payments using unauthorized charges on consumers' accounts 

Alexandria Porter Bovee NV caught in cannabis org--Ponzi barred from securities sales

Colony Ridge TX caught illegal land sales targeting Hispanic borrower’s false statements

Eddy Blizzard, MD guilty stealing $1 million from elderly client: promised safe money.

Louis Goff UT caught $2.1 million fraud from 2019 and 2020: barred, sought by FINRA

Daniel Beech CA caught paid $900,000 kickback to unregistered person for sales

 

Nearly 70% of Gen X Incur Overdraft Fees of $40 or more-Insufficient Funds 

Hilton caught Unlawful ‘Hidden’ Hotel Room Fees: class action

Many college-sponsored financial products have higher fees, worse terms and conditions 

GPB Capital Holdings to receivership: “Ponzi-like" saga

 

10 worst advisors and their illegal tricks: a lesson in “being taken”--avoiding losses

Anthony J. Cantone NJ caught fraudulent misrepresentations municipal bond offerings 

Deceptive ads followed by TINA.org: you learn how seller’s promises are found

Body cams footage kept hidden from reformers/public: police continue illegal acts?

 

Tesla blamed drivers for failures of parts it long knew were defective

Tesla car insurance does not pay claims: delay delay while we pay premiums

Toyota recalls 1 million vehicles: sensor glitch cause passenger airbag to fail to deploy

2.5 million Honda Acura cars recalled due to fuel pump defect: engine failure

 

AI with fake news/info: list of tracking internet site with fake info

Fake images reveal how AI amplifies our worst stereotypes

Counterfeit Ozempic sickens: FDA seized ‘thousands of units’ knockoffs

 

Cardinal found guilty of embezzlement in Vatican ‘trial of the century’

 

$148 million to Georgia election workers over Rudy Giuliani’s 2020 vote lies

Rudy goes bankrupt to avoid accountability for destroying two Georgia election workers

 

you probably won’t die being forced to give birth to a nonviable fetus!” GOP freedom?

Ohio mom miscarried in her bathroom. Now she’s charged with felony.

 

Israeli military mistakenly killed three Israeli hostages: shoot, questions later

Israel killed two women who were taking shelter at a church “shot in cold blood.”

 

GOP blocks SS reform so cut benefits 23% in 2033: GOP enacted $2 T wealthy tax cuts

 

Trump threatens to repeal Obamacare: FL Trumpers sign up in droves

Trump: “immigrants are “poisoning the blood of our country”: copy Hitler theme

Trump gets boost from his Supremes: possible pre-case look at how own trial will go.

Trump delays Supremes’ decision on immunity: tries to beat Jack Smith before trial

 

Supremes to decide 2024 election just like 2000 Bush v Gore: our votes don’t count

 

Trump off ballot: CO court affirmed he engaged in insurrection: 14th Amendment

 

TX withdrawals abortion exception rules: AG, Supremes make the rules

 

Recall: Quaker Oats granola, cereals, could be contaminated with salmonella.

 

Jobs

12% increase in homelessness to its highest reported level: soaring rents 

 

Who owns your account now?

Jan. 16 due date for final 2023 quarterly estimated tax payments

New England Pension Plan Systems to Edelman Financial Engines 

Now: record share of homes without mortgages: 34.3% to 39.3% in past decade

 

U.S. Steel to Nippon Steel: X surges 23%

10 Most Affordable Electric Cars for 2024

Elders go back to work: 19% of workers over 65 were working: just 11% in 1987

Parents Are Risking Their Retirements to Support Adult Children

 

Medicare Coverage Is Changing in 2024: costs and benefits go up for some

People are leaving organized religion: false Biblical ideology sends many away

Paris is saying ‘non’ to a hellscape of supersized cars – and so should the rest of Europe

 

CA judge OKs guns in public: blocks ban on guns in public

Boosting HSA contribution to $7,500, from $3,850 would add $44 billion to the deficit.

Wealthspire Parent NFP to Aon 

10 Best Credit Card Bonus Offers

 

Miracles:

Can Taylor Swift’s birthday push for her favorite charities change giving patterns?

New Drug Compound Shows Promise for Schizophrenia victims

Amazing half-female, half-male bird spotted by scientist on vacation

 

Farmer makes cat art with rice plants: very impressive

Broad stock market index up 24% YTD this week: no recession

Pope changes his mind on blessing 2 people in love: 2 not required moral perfection

 

2023 best photos of news organization Reuters

November shatters global temperature records, marking 6 record-warm months in a row

 

 

 

@

 

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.

New theory may finally unite Einstein's gravity with the quantum world

 

 

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.

 

Natural ‘missing law’ explain how universe evolved: functions increase in complexity over time

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