Time-tested way to
increase your emergency fund
Every insurance company
has discounts
on car and home coverage. The discounts can lower your premiums and the
savings can help you improve your security against unexpected expenses. The
best discounts are from higher deductibles. Increase the deductible to $1000 on
home and vehicle coverage and you save enough in 2-3 years to cover the
emergencies of any type. We just don’t know where and when a critical need for
quick funds will come from. The insurance discounts are not well advertised by
agents since your reduced cost reduces their commission. You must ask the
customer service rep directly or go online to their site. Your driving distance
and habits can make a big difference in rates. The so-called loyal-customer
discount is reversed: they charge loyal customers higher rates because
they can: you are unlikely to shop for a better deal. Avoid Double coverage: if you have health
insurance you don’t need it in your car policy. The ultimate discount may be
had by switching. Get estimates from three insurers. Just like you would for
any big expense, you may save $ thousands. I have found that shopping every 3
years has saved my family about $1,600 every year for 20 years. I shop the
insurers directly—no agents. Agents can help when you have trouble obtaining
cover due to your high-risk status.
Shop and Save: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634/
Is “automatic
investing” right for you?
The single best
thing you can do to assure your retirement fund is to make it automatic. That
means having money automatically transferred from a paycheck or checking
account into your tax-FREE investment account. Start with the max you think you
can afford. If you guess wrong, you can always reduce the amount later. Consider
your retirement fund as an obligation, no different than paying off your
mortgage. You will give up your house if you fail to make the monthly payments.
You will give up your retirement time if you fail to make the monthly
contributions. And because your fund is tax-FREE you will be able to avoid
paying taxes on that money and perhaps your Social Security or pension too. Working
until the day you die is not a plan. Social Security benefits will not be
enough to pay for even the basic expenses because the annual COLA is not enough
to keep up with rising prices. And because you don’t know what may happen to
you or your family, you can easily be prepared almost anything. Automatic
investing allows you to forget making contributions from “what is left” every
month. After a while you won’t even notice.
Save the easy way: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957
Why you can’t follow
market “professionals’ predictions”
In the hundredth
study, market
gurus & survey predictions were all wrong. You are better off using a
roll of the dice. Yet many investors have been convinced their person knows how
to better the market average. Many “professionals” have become wealthy using
strong marketing strategies which usually entail focusing on a select period or
sector to illustrate their ‘brilliance.’ However, in keeping score over time, few
predictors—even the most famous—rated over 50% correct. Take the advice Warren
Buffett gives in his 2013 letter to
Berkshire shareholders: “Forming macro opinions or listening to the macro
or market predictions of others is a waste of time. Indeed, it is dangerous,
because it may blur your vision of the facts that are truly important.”
https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963
Retirement: out of
the question?
A growing share of
working Americans don’t think they will ever retire, recent surveys
suggest. With the minimum
wage stuck at $7.25 for many low-wage workers, this outcome is not
surprising. Inflation has reduced their current buying power, so there is
little left to save. Instead, many are buying
new luxury vehicles. The result: instead of investing almost a $1,000 a
month; they are trading comfort now for comfort later. Few have calculated that
if they invested $1,000 a month, they could
have over a $ million in 25 years.
https://www.amazon.com/You-Can-Afford-Retirement-FEE-FREE/dp/1517738253
?**********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
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
Jan 2025 Dictator
pardons himself: his Supremes agree
How Govt wastes our money:
We
spend $93 billions on another rocket to moon yet 4
million cut from Medicaid
Fitch Ratings downgraded
the credit rating of the U.S.: we must pay higher interest
SCAMS/SPINS:
Police use “geofence
warrants” to demand Google
hand over our data: no notice to us
TX Police hold
family at gunpoint after not checking plate of stolen car: gun
happy?
AI's
scariest mystery: even the makers don’t know how it works/influence on us!
AI
makes us wonder about everything we see or hear from now on: bear
not a bear
Trump: "I
NEED ONE MORE INDICTMENT TO ENSURE MY ELECTION"
Trump tried to void
our election votes: central
to our democracy is a valid vote!
Trump
already using his Supremes’ card to stop his trial before it even starts!
Supreme Alito:
One
killed many hurt IN block party shoot out: many guests carry guns
Hyundai,
Kia recall 92,000 vehicles over fire risks, urge owners to park outside
Ford recalls 870,700
F-150s 2021-2023: electric
parking brakes jam on during drive
Trader
Joe recalls falafel and cookies with rocks: rocks no extra charge: soup
with insects
Bank customers
report unexpected
account closures: BoA just holds our money for days
USASF Servicing caught:
illegal
practices on auto loans: bad repos, stop refunds
Balance of Nature:
claims cure
diabetes, fibromyalgia, arthritis, heart disease, cancer.
Recall
Birth Control Tydemy: effective?
Travel fees are
multiplying; how to avoid
some travel fees
Wells Fargo
customers report that recent
deposits are missing from their accounts.
22.39%: Percent
interest charged on the average credit card, highest
since 1974.
Trump faces Chutkan:
Jan 6 attacker “went
for one man” not for “love of country”
Clarice Saw NY
caught: fraud stole $2.4 million elder: promised
personal care for POA
John Woods NC caught
$110 million in a Ponzi scheme: promised
returns from own fund
Steven Woodard HI
preyed on church: $6 mil scam: returns
from his own fund bogus
$5,000
only:
AR brings criminal
charges against librarians/booksellers: "harmful" material to
minors!
OK: nation's first
religious public charter school: taxpayers
fund Catholic school
OK
GOP let teachers hit disabled kids
Leprosy
Appears to Be on the Rise in
Doctors lie easily:
doctors who put lives at risk with misinformation
rarely punished!
Jobs
State and local governments into a wage
war for workers
High-paying
jobs in demand now
Flexible work policies emerged as the
ultimate edge in talent acquisition and retention.
Semiconductor companies have increased
the internships by 40.5%
Tech jobs: https://jobs.interestingengineering.com/
10 careers with the most
remote work flexibility
44% of small-biz owners reported job
openings they couldn’t fill.
Small,
rural school districts find difficult to hire and retain staff
NFL's Aaron Rodgers Buys $9.5M Mansion
In Montclair
Who owns your account now?
Another week: low-cost
market index account up to 20.44%
Farmers Insurance retracts
non-renewal notices in Georgia
10
Most Affordable Beach Towns
Changes
to your 401k in 2024: employers adopt SECURE Act 2.0: beware
Vanguard search
service to help
you find your lost IRAs.
Guide
to selling life insurance policies to others through life settlement
transactions.
Gen
X isn’t counting on Social Security to help fund their retirement
Better passwords: remembered
passphrase that strings
together several unrelated words
Etsy
just attracted 91 million
active buyers: sellers bonus
BHJ
Wealth Advisors to
Pay 0% Interest Until
2025: great for paying off big purchase at your own pace
Miracles:
Dems
BEST chance to win 2024: Michelle Obama: Biden tied with The Criminal
Supreme
Alito claims he is above the law: Congress “no authority” over Us Supremes
We
are politically slit right down the center: 43% Biden Trump
Pre-operative
exercise substantially helps with
recovery – study
Golden age for
healthcare innovation: radically
new ways of treating disease
Even
the bears need a cooling station
More
Americans believe in UFOs
Increasing daily protein
intake could promote metabolic health of people
@
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.
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
@
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
