When to start your guaranteed stream of income

 When to start your guaranteed stream of income

Most of us are lucky: we can start our guaranteed income stream whenever we want. We only need to decide how much we want or how much we need to live comfortably. And the bonus at no extra cost is that the benefit grows with inflation. My wife and I began receiving our guaranteed income stream at different times in our life so it is easy to compare how your decision can make a huge difference. I started my stream of income at age 62 because I could find no work. I have been getting my monthly check of $1,691 with inflation step-up for a number of years. It goes right into our checking so we can spend it right away. No wait to clear a paper check. My wife liked working so she waited to start her stream of income till she could improve her benefit no more. At age 70 she began and now she receives $3,495 a month. This is over double my benefit and my last salary was greater than hers. We pay nothing extra for the inflation increment each year and the administrative costs. Medicare costs come out of the benefits automatically so we don’t have to worry underpaying our health insurance plan. These benefits come because we paid for them every paycheck. No supplemental insurance (annuity) could have matched these benefits for life. Plus we get to keep our retirement funds growing—earning more for later. “The question isn't at what age I want to retire, it's at what income.”

https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573

 

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 about $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 education and retirement income too.

Time is on their side: https://www.amazon.com/Give-your-child-leg-up-manage/dp/1096505355

 

If you are worried about your money in a bank, move it

Most large banks can handle your money unless you keep $millions in 0% savings loosing money. Even holding Treasuries isn’t safe. Many of my readers aren’t worried because they are riding out the craziness of the gains and losses of the gamblers’ market moves. When gamblers loose at the tables, they are supposed to go home poorer. The well-connected never have to suffer it seems. Congress is happy to lower the bank regulations for their schemes. Regulators are happy to please the rich and famous, especially if they sit on the same boards. My readers are investing for the long term so they only have to keep their money spread around in profitable businesses as Buffett advises. Over time they have been rewarded with gains and dividends that will help their nest eggs grow. They don’t have to speculate on stocks or ETF during these crisis times. They are happy with most 10-year growth periods. Using low-cost mutual funds that compound over time they have found steady growth—doubling their funds every 7 years. They own shares in real profitable firms making things of value not ticks in a computer. It is TIME, not timing that builds wealth.

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

 

S&P 500 up 5% YTD vs 5% 1 year CD

Investing is about taking a chance—short or long-term. With your CD, you will always receive your 5% in a year. You will usually pay a penalty to withdrawal early. Your money is guaranteed up to $250,000 unless the government steps in to make you whole no matter how much you lost. This doesn’t happen often. Investing in the top 500 US corporations gives you no such guarantee but you have the chance to earn 32% or lose 18% in one year. However, over time investors have found the 11% average return annually. Average is important. There are bad years. But your funds double every 7 years if you wait. My readers have found that after some time—10 to 15 years—they have a balance that allows them to take out enough money for emergencies. They don’t need an emergency fund as a 1 year CD. They don’t pay a withdrawal penalty if they need the money. With certain tax-FREE retirement accounts they can have their cake and eat it too. They can withdrawal without penalty or tax due. More likely they just keep building a bigger retirement account because the low cost accounts maximize the Miracle of Compounding. That is the Buffett secret to wealth.

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

 

In 2024, Roth 401(k)s will no longer impose RMDs

The Roth 401k will get even better in 2024. Your money—deposits and earnings—are already tax-FREE after retirement (contributions are never taxed). Starting in 2024 you are not subject to RMDs which make you take your retirement benefit out every year. This means you get to create a legacy for your family without a trust—FREE. You can use your money whenever you wish. The required minimum distributions are required for 401k and IRA accounts because you get the tax benefit at the time of contributions. This lowers your income and tax if you pay in every payday. If you also make contributions to a Roth account, you have the option of never paying income tax on the gains. Thus you could turn your Roth IRA or 401k into a tax-FREE retirement system worth $millions

https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

 

 

GOP vision of America’s future “freedoms”: what they are doing/will do

Children’s education reduced to DeSantos Conservative ideology

WV bans health care for transgender minors

FL wants to ban the Democratic Party as revenge for toppling Confederate monuments

FL blocks League of Women Voters legal activities (rally, meetings)

 

FL DeSantis will have a veto-proof majority in both chambers: junta installed

Kids Carry concealed weapons without a permit back to 18

Cancel programs on diversity, equity and inclusion, and critical race theory.

TX takes over Houston Independent School District: GOP not parents will run schools

 

SC Republicans want death penalty for mothers after abortion: christians? kill women!

 

Death sentence without a unanimous jury.

Easier to sue journalists you don’t like

Further restrict abortions. TX man sues 3 women for helping his ex-wife obtain abortion

WY medication abortion providers could serve six months in prison

Near-total ban on abortions drives doctors away: ID hospital stops delivering babies

 

Trump: military to ‘stop’ crime: martial law replaces civilian control of cities: dictator

Couples with 10 kids would have their property taxes cancelled under TX law

Catholic group spent millions to track gay priests: Russia or America?

30 GOP states limit public health authority: next pandemic wipes out million+?

 

AR Gov bans child sex talk and child labor law limits: roll back child labor protections

Child abuse? kids under 16 can marry in West Virginia with parent consent

GOP repeals long-standing environmental rules: business to take ‘Freedom’ hand

FL Gov raises private army: 150,000 “brownshirts”, answer only to DeSantos

GOP Clarence questions our right to counsel in criminal actions against us

 

Pence: “History holds Trump accountable” but ‘I won’t help jail him NOW’: 3^rd Rail?

 

Wealthy avoid tax we have to pay

How do all these wealthy people avoid the taxes we need to fund our military, legal system and the airports? They use them but don’t pay. They fly their private jets from the airports we pay for, the legal system they use more than us and all the military supports around the world as they visit their global homes and businesses. Our country taxes personal income not loans on $millions in assets. This means we pay for what they use and they don’t. We can’t afford to buy legal help to use special financial tricks to reduce taxes. We can’t afford owning sports teams or real estate or “hobbies” that show paper loses to deduct from our income. We can’t afford to buy the help of Congress people who change the rules on business income like Trump did in 2017. One critic said, "Wealth managers are bragging" about the effectiveness of their "tax dodging tricks." Even when they die, they can leave $ millions to their legacy using special rules to avoid the estate tax. This is how dynasties happen and the cycle of tax avoidance continues. Wealth perpetuates itself almost automatically.

Use your tax haven: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

 

 

 

 

?**********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

 

 

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 assault 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

 

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

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Money for new Moon Rover but not for hungry US kids: priorities?

Own your own bank: capitalism without risk: CEO changed law & keeps pay packet

Farm lobby seeks more subsidies: GOP to cut Food Stamps for poor: corn for gasoline?

Fed raises rates to increase joblessness 4.5%: my credit card already at mob rate: 29.99%

 

NY prosecutor cancels meeting: Trump gets away with crimes again?

 

SCAMS/SPINS:

Trump is inciting another overthrow of our gov: “TAKE OUR NATION BACK!”

Fake images of Trump arrest show how propaganda may tear US apart

 

Fox silences own producers from telling about falsehoods it broadcast about election win

Tesla recalls 362,000 of its Full Self-Driving (FSD) Beta software: causes crashes

238,000 Honda Civics probe: steering can stick, increase in effort, risk of a crash.

Hyundai and Kia 571,000 SUVs and minivans park outdoors: tow hitch harnesses fires

 

Ford recalls 1.5 million: fix leaky brake hoses and windshield wiper arms that can break.

Media influencers (not doctors) paid to hawk drugs on TikTok

Matt Damon, Tom Brady, Reese Witherspoon caught promo crypto: fees hidden: no jail

Toxic ‘food’ brominated vegetable oil, red dye 3, potassium bromate, propylparaben and titanium dioxide?

 

Grover Norquist conservatives stop free tax filing service we need: gives $500+ to Turbo

IRS finds worst scammers this year

Tax refund myths: IRS warning

Trial over fake Trump real estate tax deductions halted by bomb threat: mystery caller

 

Darryl Matthew Cohen caught steered money to self, fund his son’s basketball league.

Nick Palky caught stole $250,000 client’s account using forged checks to steal

Joe Harding GOP FL caught fraud $150,000 in Covid Relief scheme: no jail

Portfolio Recovery Associates caught illegal debt collection practices: fine no jail

 

CO allows gun-toting teen to show up at school every day: what think would happen?

How US succession happens in specific areas: schools, taxes, laws, red-line, clubs, sports

 

baseless-claim-that-jan-6-rioter-flipped-against-the-fbi-circulates-on-twitter

false-reports-claim-bill-gates-faces-premeditated-murder-charges-over-vaccines

Countertop composter Lomi does NOT make “nutrient-rich fertilizer.” 

 

Arrest warrant for Putin: stealing kids from Ukraine homes: Seal Team 3?

 

Jobs

Construction industry faces a gap of roughly half a million workers; skilled trades too. Application rate jobs like plumber, electrician dropped by 49% between 2020 and 2022.

More than 550 slots for emergency medicine residents were left unfilled this year

 

White Americans feel left out; even they think they don’t belong. This is not good.

25 High-Paying In-Demand Jobs: salary & requirements

Tennessee plant aims to build 500,000 electric trucks

 

 

Who owns your account now?

DJ Equity REIT Index beats Total return S&P 500: stocks up in last decade

Medicare special plans to help with expenses and coverage: do you qualify?

Millions of people could lose Medicaid next month: check now

 

5% one year CD for temporary money: shop bankrate.com/banking/cds/cd-rates/

 

what-if-i-cant-pay-my-taxes: here are your options: it costs less to deal with the IRS itself

 

 

Miracles:

'Vibrant' Roman mosaic discovered under supermarket in Olney

Some ingredients crucial for the advent of life arrived aboard rocks from space years ago

Some young Americans are turning to friends to find romantic partners: not vid strangers

 

 

 

 

@

 

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

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a 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

 

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.

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/

 

 

 

@

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/

Start your child/grandchild’s tax-FREE account now: stocks are cheap

 

Start your child/grandchild’s tax-FREE account now: stocks are cheap

It is Time and not advisor stock picks that can give them a $250,000 or $500,000 retirement fund. If you start their account now—even with just $100—the account can grow to a large amount in time for their retirement spending without any taxes. This means that they may not need to pay taxes on pensions and social security benefits. How? You open a tax-FREE account at a low-cost mutual fund and have your bank contribute $100, $200, $300 a month automatically. In 27 years they could have $500,000. If you begin earlier, that tax-FREE account could exceed $1 million in 34 years. Without commissions or fees, that account can grow at 11% per year on average. Without fees or taxes, compounding a stock index fund keeps their account from losing 63% of the possible accumulation over time. Investors are moving to low-cost from high-cost funds.

Give them a leg up in the New Year. https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

 

 

Are bank savings rates of 3.3% really how to grow your wealth?

Is a bank’s promise to provide you with wealth in a savings account right for you?

“Grow your long-term wealth with these record-breaking savings rates.” This promo rate of 3.3% will NOT bring wealth. First, the rate is not guaranteed for the 60+ years it would take to reach $567,290 contributing $3,000 a year. Second, it would take 80 to reach $1 million before taxes. If you double the deposit $6,000, it still takes 60 years to reach a common “wealth” benchmark. Third, in 30 years, inflation would reduce the value of $567,290 to $283,645. Since this is not a tax-FREE account, taxes may take 12%. This offer is not right for anyone who has plans for retirement. With the inflation rate at over 7%, any deposit would be losing HALF its value each year. To “grow your long-term wealth” you need to earn returns of the average stock market index of 11% over time. You will not find a financial advisor or mutual fund that can average 11% over time. Their costs make you give up 63% of your possible accumulation. Even in a market correction year of 2022, not one financial “professional” was able to beat the market in the last five years. Take the advice of someone who knows how to grow wealth.

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

 

Why your 401k pension projection statement is all wrong!

Your IRA and 401k statements now claim they forecast your “future income:” Except they can’t. The projections from an insurance company about the future value of your account, interest rates, assumed date of death, and monthly incomes are worthless. The government was pushed to use a simple annuity by the insurance industry. Insurers are banking (literally) on us falling for this catastrophe. First, no one empties their whole pension into an annuity the year they retire. Second, insurers will low-ball your income because they estimate paying everyone for life. But they don’t know when you die—they use the average for all. Third, when you give them all your pension money, you don’t know what the interest rate will be or how sound the insurer is. Fourth, if you have a short life, your family loses all. Fifth, the amount per month will be worth less than HALF since inflation takes 50% or more in 20-25 years. Your Social Security benefits provide income and are increased with inflation. Sixth, insurers are using the current value of your account. Anyone who is at least 5 years from retirement will have a larger account and so the projected income will be wrong. Eighth, if you need your money for an emergency you must pay a surrender charge of up to 20% to get it. Ninth, if you have your account invested in stocks for accumulation, you may not like giving up 8-9% return for 30 years in retirement. You will have a lot less to live on. You might have to go back to work. Tenth, you have a lot better ways to receive more income per month than an insurance company product. Maintaining a balanced portfolio for 30 years is actually safer than buying a fixed monthly income that may lose value from day one.

Check alternatives: https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573

 

Looking for advice for managing money next year?

Looking for solid experienced insights for the future? Here are a few paid analysts’ opinions. Bloomberg readers declare Bull. History has proved that anyone can guess the future but few are correct. The rub is that you won’t know until it is over and we can’t yet travel back in time. An unbiased advisor will not play games with you and admit no one knows. A better strategy is to buy and hold a balanced portfolio for all markets. Most of my readers did not lose with crypto collapse. They’re overall portfolio value was down 5-10%. However they did not sell so they have not lost a penny. Those heavily leaning into Tech are waiting for the rebound from lower values. Historically, an account that holds a low-cost market index exceeds the returns of a “managed” account. In fact, not one management firm’s fund beat the index in the last 5 years. Why are people so surprised when advisors move money around (commissions and capital losses) and we end up with less. Just 10 days can reduce our return from nearly 11% to 5%; just 20 days can reduce our return to 1.59%.

Avoid their advice: https://www.amazon.com/Win-Investment-War-Earn-11/dp/1522916369

 

How did our grandparents afford to retire?

They did not make a lot. They did not have tax-deferred savings/investing plans. They did not have low-cost stock market index funds. Most did not use a broker or advisor. Most had no credit facility to buy stuff on time. And yet they saved even during the 1930s Depression when 20% were unemployed. Banks and Wall Street failed. Most people did not have a business and farmers were especially hard hit. Yet my parents were able to buy a house and have enough savings to live comfortably. They had Social Security (initiated 1935) which they paid into all their lives. They bought used cars and furniture. They had kids who they helped pay for college. They spend less than they made from two full-time jobs. They vacationed seeing many parts of the National Parks and camped a lot. The most important financial decision they made was to save and invest steadily in ordinary financial products.

Get your grandkids started: https://www.amazon.com/Where-can-your-child-invest/dp/1492164240

 

How Trump got away without paying his fair share of taxes

$32.4 million Trump's reported loss in 2016, his biggest negative year.

4.1%The highest effective tax rate 

“Trump claimed tens of millions of dollars in losses and credits without the type of substantiation an ordinary taxpayer would likely provide.” Trump’s real estate ventures and other businesses consistently lost money and were written down as losses, and that most of his actual income was coming through interest earned on his investments. For 2020, Trump made more than $10.6 million in taxable interest. The same year, he reported a $15 million loss from his rental real estate properties and other ventures structured as S-corporations, partnerships and similar pass-through entities. Tax bill $0.

His total income for that year was a $4.7 million loss. The IRS has a mandatory audit program for sitting presidents, but didn’t audit Trump until more than two years after he assumed the presidency. Trump was selected for examination by the IRS on April 3, 2019, the same day that Chairman Neal wrote a letter to the then-commissioner of the IRS, Charles Rettig, asking for Trump’s tax returns. Rettig was appointed by Trump. Trump claimed a $916 million business loss in 1995 that could have allowed him to legally avoid paying federal income taxes for up to 18 years. IRS allows poor biz decisions to wipe out millionaire’s personal tax liability.

Only little people pay taxes: https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

 

 

 

 

?**********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

 

 

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 assault 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

 

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

 

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’

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Inflation blamed on wages but real cause is Trump’s tax cuts: more money chases goods

Military spending surges, creating new boom for arms makers and arms dealers: Putin

More support for fossil fuels: expand the production of oil and gas: lobbyists pay Reps

Trump’s accounting tricks so he deducts $32.4 million: pays only 4.1% tax rate

 

Will Don be going to jail: America almost lost its life to martial law and his judges?

“The entire nation knows who is responsible for that day,” First prez indicted for coup

Trump bars the IRS from auditing his taxes during time in office: pays no taxes for years

Can a provocateur who tried to overthrow the government be elected president?

 

OR judge stops voter choice to ban high-capacity mags that kill masses in seconds: WMD

TX young adults may soon be allowed to carry handguns in public: street wars are OK

texas-senate-committee-calls-for-ban-on-mask-and-covid-vaccine-mandates/

 

SCAMS/SPINS:

Congressional Ethics investigate” members linked to Capitol riot: plotted various prongs

If Trump had not spoken Jan 6, would the terrorists have tried to overthrow government?

Mob boss convinced his lieutenants to take the 5^th under questioning: offer can’t refuse

One aide defied boss threat and testified: “reckless and unhinged” incited mob to attack

 

GOP elected Rep on fake biography: Trump-style Big Con: money buys elections

 

BEWARE: Debit card scams take your money without recourse: credit card reimburses

Fake gift cards: wrong benefit purchased

‘Fortnite’ maker caught privacy violation/unwanted charges: $520 million fine, no jail

 

Harvey Weinstein caught rape, sexual act: 90 women claimed: prison

 

Amazon Fraud Protection Department scam: “a suspicious order, press 1 for rep” DON’T

Liberty Mutual caught saving “what we searched for, what we looked at, info inputted”

State Farm’s caught claims handling disparities Black and white policyholders

Chick-fil-A NC caught paying workers with meals not money and violating child labor

 

Wells Fargo caught car loans, mortgages and bank accounts fees: fined $3.7 billion

Tesla auto drive braked unexpectedly triggered 8-car pileup 9 treated for injuries

Tesla automated driving system use in 2 crashes: hits Patrol car with lights flashing

 

Tesla offering $7,500 discounts on Model 3 and Model Y electric vehicles this month

Servicio UniTeller caught overcharging, fraud, misrepresenting: fine no jail

 

Andrew Fuller caught fraud/money laundering: promote wines raising funds speculate.

Gannet CEO gets $8 million by laying off hundreds of staff and closing local papers

Conspiratorial thinking is undermining democracy, and what we can do about it

Sean Hannity admits he spread Big Lie: 2 years of misinformation: Trump really lost

 

FTX caught depositing 8 billion dollars of customer money into secret accounts: jail?

“Trump claimed $millions losses without substantiation taxpayer would likely provide.”

“With over 400 entities Form 1040, it is not possible to examine all potential issues.” IRS

 

Jobs

Average lowest wage that workers with a college degree expect for a salary is $92,000.

Average lowest wage that workers with no college degree expect for a salary is $60,000.

Fake job postings are stealing applicants’ money and identities

 

 

Who owns your account now?

Used car prices leveling: Ask before signing: rust, mold, align, struts, brakes, recalls?

Best Online Will Maker: most estates are not worth paying lawyers $ thousands

Half of older renters pay more than 30% of income: median rent $2002

 

Disneyland costs more plus pay bonus to avoid lines: $ thousands to have fun

 

Miracles:

unprecedented shortages to farms and cities: Colorado River’s dwindling supply

vegan faux gras or foie gras liver of abused duck

life expectancy for Americans has dropped again, to 76.4 years 

 

New monoclonal antibody for hospitalized COVID-19 patients: severe covid patients

Pope sees ‘elegant demon’ in his staff: holier-than-thou way is the devil: hubris

 

 

 

@

 

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 a little

Energy into matter: scientists converted light energy directly into matter in one step

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a 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

 

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.

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

“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 election itself.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

 

 

 

@

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

www.InsuranceAdvisorsNetwork.com

Alerts available at http://dankeppel.blogspot.com/