How Govt wastes our money: Mar 2024
Wasted tax:NASA
Unveils $27B Budget Plan to Support Mars
Missions: $27B fix roads?
SCAMS/SPINS:
"Strive not to be a success, but rather to be
of value." – Albert Einstein
Matthew J. Chimento “transferr[ing]
funds … without
client authorization.” defrocked
Regulator fines Stifel:
broker A stole
client funds, fails to monitor broker B speculation
HUD accused of failing
to refund hundreds of millions in mortgage insurance premiums
Chime caught deceived consumers on costs
of international transfers, waive their rights
“Prevagen wasn’t any
better than a placebo at improving memory” Madison
Memory Study
I got offer
from Noel at China bank to help me claim
$8 million from dead client
Recall: Happiness
Recall: Hazardous
Products That Were Recalled This Week
Beware
Stifel clients: problems in sales of non-traditional exchange-traded
products.
Trump achieves what
none of us could ever achieve—another
delay in evictions
“God gave us
Trump" to
save white Christians: Trump
depicts himself sitting next to
Jesus!
"We must
make America pray again."
Trump sells "God Bless the USA" Bible $59.99!
Protestant
religion turned into an intolerant activist
political ideology: MAGA
pastors
Americans
increasingly are calling themselves "unaffiliated":
spiritual not religious
Take
delivery of your vehicle NOW:
OnStar, LexisNexis
Shared Driving Data with Insurers, Spiking
Rates
Has AirTag become
the weapon of choice of stalkers
and abusers as alleged by victims?
Homeowner claims: JD
Power satisfaction study : Best
Amica, USAA
Jobs
jobs.interestingengineering.com/
Local workers, many immigrants,
will put Key bridge back together piece by piece.
Who owns your account now?
Serious
issues in retirement: plan for them now
Where
we get news: age and ideology determine our choices now: no more ‘true’
source
940,000 people unclaimed
2020 refunds: May 17 deadline to submit their tax returns.
Study may help
doctors tell patients exactly what they should
be eating
Get tax info, forms:
Worst tax scams: https://www.irs.gov/newsroom/dirty-dozen
Renovations impact
your home insurance: increase
or decrease premiums
Miracles:
AI
is Transforming Drug Discovery: breakthrough treating 82-year-old’s
resistant blood cancer
Our
world is spinning faster than before so timekeepers need to change ALL
clocks 1 second
App
predicts worsening heart failure weeks before symptom onset — by sound of your
voice
@
Lessons from successful investors
Why
is staying in the stock markets the safest investment strategy?
Over
the long term, this strategy is the best for most investors. Why; because the
stock markets can provide 10%-12% a year
over time. The stock market can return +38% and -37%
(1980-2023). A broad comprehensive portfolio may provide a more balanced
approach. The Callan
Periodic Table of Investment Returns shows you why. Either way, holding
stocks over time beats trying to time the markets. No one has shown how to be
successful with the timing strategy for very long—certainly not for a lifetime—IN
ADVANCE. Many well-paid advisors claim they have done well buying and selling
at the RIGHT time, but every
fair study shows it can’t be done. Diversifying your portfolio
means maintaining a portfolio of several assets, such as stocks, bonds,
real estate, and cash. This approach has several benefits, including spreading
your risk across multiple high-earning low-cost assets. (Vanguards-Top-Ten-mutual-funds/dp/150073909X)
In addition, investing in several types of assets gives you exposure to
different markets, which can have negative correlations with one another. This
helps protect you against volatility as you aren’t concentrated in a
single type of investment. Diversifying your portfolio can give you better
results while reducing your long-term risk. Most large mutual fund firms can
provide you with a way to buy a portfolio of
many asset classes. Warren Buffett, one of the most consistent high-return
investors, advises to buy and hold a low-cost S&P fund like the Vanguard
500 Fund.
https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592
Best way to invest for retirement income
When I was at my first day on the job for an employer, I had no clue about the company retirement plan. Yes, they gave me the papers but they were not in English—legal words for lawyers. I could not decide which investment option to pick. I took the suggestion of the HR person and had them take 6% of my pay into a very conservative fund called a “stable value fund.” This was not a good choice at my age. However, they matched my tax-deferred contribution so I appreciated what I had. Investing at the same amount on a set schedule (payday) was good since I learned later that “dollar-cost averaging” is the best way to invest for the long term unless you have insider info like our representatives. Since no one knows whether the market will be up or down on any given date, it is best to invest on the same day every month. However, I did not learn until later that I should have chosen to invest in a low-cost stock market index fund instead of “stable value.” Stable value funds are for when you are IN retirement not when you have 35-40 to invest! After studying the most successful investors and fund managers, I learned that the best way to invest for retirement is to buy the shares of a cheap stock market index on a monthly basis for the same amount. “Almost no one who is operating honestly can maintain a persistent information edge over the millions of other smart investors who comprise the market.” As Warren Buffett says: "A very low-cost index is going to beat a majority of the amateur-managed money or professionally-managed money." Fidelity study of millionaire retirees confirms his advice.
The BEST advice: https://www.amazon.com/Buffett-Strategy-854-000-not/dp/1978481020/
Will Social Security benefits be there when you need them?
Congress does not like to spend money for the important things. They like to give defense contractors, oil, gas and coal companies subsidies because that pays their election bills. They like to create tax loopholes so they and their friends do very well. They use insider information that is illegal for us to use. Since the Supremes 2010 decision to treat $ billion companies the same as you and I in terms of election gifts, Congress must do what these companies want. Because there are more old people and fewer working people, SS benefits will be reduced to 78% of normal benefits by 2034 according to SS trustees. Since Congress is unlikely to deal with this collapse of the single most important support for seniors before it is too late, older Americans will be faced with the poverty that existed before SS was created in 1935. Bread lines were daily work for many depression-era out-of-work workers. The wealthy could live overseas untouched and untaxed just like today.
Prepare now: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X
Have you taught your child how to make tax-FREE money?
Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. I have used this 'Wealth Reserve' as I call it to have funds to buy low-cost insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a month in retirement supplement. Now your child can build an account that provides tax-FREE retirement income too.
Time is on their side: https://www.amazon.com/Give-your-child-leg-up-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 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 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
Conspiracy to defraud the
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: American
fascism
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
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
Don’t get pregnant in
Dec 2023: Trump
using Hitler language to scare us
“Wannabe
Dictator” runs
our House of “Representatives”
MAGA
kills GOP: Trump kills Reagan’s GOP
Jan 2025 Dictator
pardons himself: his
Supremes agree
Trump’s
plans for America 2025-2028
@
Miracles that made our world
Our Universe is a
miracle
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
New
theory: no need for dark matter; dark energy: energy in universe due to erratic spacetime
“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
New
Astrophysical Models: Earth’s
Building Blocks Contained Water: metal oxides
IAN
973.746.2014
http://www.theinsidersguides.com/
Alerts available at http://dankeppel.blogspot.com/
No AI used in these comments
