Investors learn picking winning stocks is too hard

 

It is hard to know how much we need for retirement income

According to one survey, 47% of respondents have less than $100,000 saved for retirement. With Social Security benefits, this amount will likely require much thrift in spending during our senior years. Almost half of the participants—43%—believe they can retire with less than $500,000 in savings. Given that inflation will decrease our nest egg by HALF every 20 years; this will leave us with about $1,041 a month. The average monthly Social Security benefit among retired workers is about $1,666. That’s about $2,707 a month. Clearly some of us are going to have to keep working to make ends meet. Lack of money in retirement, not saving enough and not paying down debt are the three regrets of many retirees. Do something now: find an estimate of your retirement income at retirement-income-calculator.

https://www.amazon.com/You-Can-Afford-Retirement-FEE-FREE/dp/1517738253

 

Investors learn picking winning stocks is too hard

It is almost impossible to pick the stocks that will beat the market overall. Most advisors need to sell their firm’s favorite stocks for a profit so buying a low-cost index is rarely recommended. Proven over and over, money managers are really terrible at finding the next “big play.” There are too many variables and unknown conditions for even the smartest computer/analyst to pick the right ones for the immediate or even the long-term future. So most experienced investors follow the advice of the proven masters of investing— Warren Buffett and John Bogle. The index of all or the largest stocks promises to provide long-term investors with the best chance of success: diversification, low-cost, solid 10% returns and ease of use. You can use either the fund or ETF (brokerage account) versions. You grow your money in a tax-FREE or tax deductible account. The best part is you never have to be anxious about your stock picks. Investing is not gambling; it is owning profitable businesses.

https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963/

 

Is pay-per-mile insurance right for you?

With pay-per-mile, you pay a few cents for every mile you drive, which could translate to a much lower monthly rate. Drivers who travel fewer than 10,000 miles per year may be able to save money with pay-per-mile. This cover may be right for those who work from home or have very short commutes. Pay-per-mile could save you a small fortune compared to traditional insurance. College students, seniors, public transit riders, and anyone who drives less than 30 miles daily can save. Remember that the insurer’s meter also tracks the quality of your driving. Slow down, drive deliberately.

https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634/

 

Save on insurance you don’t need

Travel insurance may not cover your event since there are usually many conditions you may not be informed of at purchase. Collision coverage might not be worth it if your car is especially old. Home warranties are another contract that must be researched—there are few pros. Identity theft is not preventable—the coverage does not stop criminals—it only helps pay for repairs, which may already be available in homeowners or credit cards cover. Dental insurance through work is a bargain. If you buy cover, it pays little on your big bills like root canals and crowns. Child life insurance is a waste of money. It is better to put the premiums into a mutual fund that could grow to $25,000 over time. If you have auto cover, you don’t need rental car coverage. Your credit card may extend the manufacturer’s warranty instead of buying extended warranty insurance. Take a look at the AVMA’s guidelines for pet health insurance policies and know what to watch out for.

Save on all insurance by investing in your emergency account: https://www.amazon.com/ Industry-Insiders-Guides-Buying-Insurance/dp/1466435712

 

Is gold a great investment for uncertain times?

Gold is not what it seems. Gold is a commodity and the price change is determined by supply and demand. You probably think a bar holds its value. But most of us don’t buy a bar for long-term security. We buy gov Treasuries for security long-term. Most of us think gold vehicles are better than stocks for the long term but that has proven wrong time and again. The S&P 500 Index of stocks had a 10.43% average annual total return between 1970 and 2022, according to an analysis by Securian Asset Management. Gold had a 7.7% return over the same period. The price of gold, which is often viewed as a safe haven, typically jumps during times of fear and economic malaise. This makes gold a speculative investment for short periods of stock market falls. Folks rush into gold when afraid of a crisis like now but the S&P 500 has already passed 19% gain in 2023. Over time stocks outperform gold by 3 to 1 ratio.

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

 

The wealthy are bargain hunters just like you

Yes, many wealthy working people got rich and stay rich by shopping for the best price/value for their situation. They got wealthy by saving and avoiding wasting money on stuff they did not need. You may do the same but the wealthy got that way by doing bargains for everything. They don’t pay their financial services person 1-2% of their portfolio every year. That $5-10,000 a year savings goes straight into their low-cost mutual fund account. They may have invested in Apple, MS, Amazon and other stocks early so now they are sitting on $1 million worth of securities. They use those securities to take out loans for investment or for current expenses. They don’t pay taxes on those loans because they are loans not INCOME. Income is taxed. Read how some of the working millionaires have done it in The Millionaire Next Door.

https://www.amazon.com/Working-Millionaire-Tax-FREE-Self-insure-Self-fund/dp/1460945484

 

A wealthy person used tax loophole to save $38 million

Most of us can’t use this loophole to save taxes. However, when the rich receive a tax deduction, those unpaid taxes must fall to us to make up. For the ultrawealthy, donating valuables like artwork, real estate and stocks to their OWN charitable foundation is an alluring way to cut their tax bills. In exchange for generous tax breaks, they are supposed to use the assets to serve the public: Art might be put on display where people can see it, or stock sold to fund programs to fight child poverty. Across the U.S., such foundations hold over $1 trillion in assets costing us taxpayers $ Billions in later taxation. The law was supposed to benefit us the public but often it only helps a few elites. A tech billionaire used his charitable foundation to buy his girlfriend’s house. A venture capitalist couple’s foundation bought the multimillion dollar house next to their own without ever opening the property to the public. A favorite strategy is to claim your private foundation museum of your own art as a ‘reservation-only’ operation. Our Congress people make the rules and let the wealthy contributors evade enforcement. Are wealthy donors likely to start following the rules of a public museum? Response: “But this is my museum!”

You can avoid paying their tax in the future: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976/

 

 

 

 

?**********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 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

 

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 

 

Jul Trump indicted by the United States of America

Violation of the Electoral Count Act

Conspiracy to defraud the United States

Witness tampering

Conspiracy against rights

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

While Earth burns: NASA spending $ Billions to look for aliens not climate fixes

Private Foundations allow Ultrawealthy to take Tax Deductions: we pay their taxes

NRA tells GOP: stop funding gun-violence research

 

NASA wastes $300 million on nuclear rocket to Mars yet people sick by space travel

NASA wastes $ millions providing test aircraft for Boeing: Boeing reaps the profits

 

SCAMS/SPINS:

GOP opens door to cutting Social Security for younger people

GOP in eight states have moved their state supreme courts to the right

GOP loading up spending bills with personal gifts of $7.4 billion to friends/supporters

 

Overpriced Gold coins being pushed to Fox Newsmax etc conservative audiences

 

 

how-to-spot-idiots: 5 red flags clue for ‘woke’ folks

Just 14 percent of 13-year-olds read for fun: next gen faces real challenges in creativity

 

IRS says agents will no longer knock on taxpayers’ doors

IRS taxes your annuity income differently than they promised; it’s complicated

 

Trader Joe’s recalls two types of cookies because they may contain rocks

“Skiplagging,” getting off at a layover stop, could land passengers in serious trouble.

Tesla rigged readouts to provide “rosy” projections of how far owners can drive

 

MS jails mental illness patients without charge: last state to violate Constitution

MS ignores child labor laws:16-year-old boy dies in a poultry plant: 2^nd one, 30K fine

Anti-vax liar Kennedy had his own children vaccinated: putting US kids at risk

Doctors with bad info allowed to continue to hurt us: friends on boards ignore actions

 

FL plunges its children into shameful ignorance on US history and social relations

Only a slave owner would say that his slaves were given apprenticeships ‘develop skills’

 

Brent Seaman FL caught $35M Ponzi Scheme on Church Members: claim currency hero

 

Chuck Roberts FL negligence, fraud, breach of contract: $23 million in structured notes

LPL Failed to Supervise Reps Investigate Red Flags: Fined $3M

Adam Daniel Kaplan caught fraud money laundering $5 million from elderly or disabled.

 

AI Chatbot Duped Social Security Staffers. 

 

Hunter Biden sold his art to donor who Joe Biden named to a prestigious commission

 

Jobs

Where the new manufacturing jobs have gone: south, northwest

24 Part-Time Jobs for Retirees: do what you like to do

More radiation safety experts needed: medical, science, industry, consultants

 

The rise of gig workers is changing the face of the US economy

Work at home: https://bookkeepers.com/free-classes/the-penny-hoarder-rocks

78% of employees prefer free food to a company happy hour

 

Automakers joint venture build large electric vehicle fast-charging network

 

Who owns your account now?

 Benefit Caps on Florida’s Alimony Law

Focus Financial goes private 

5 insurers of home/auto leaving FL climate change requires homeowners diligence

 

Some used car prices fall: some still overpriced: new vehicle averages $725 monthly

Beware sellers push cheap Flooded Cars

Auto insurers rating by JD Powers

 

Misinformation, Disinformation: A guide to sorting fiction from reality

Married couples: reasons NOT to file a joint federal income tax return.

 

Miracles:

Gene therapy eyedrops restored a boy’s sight

Blood Prick Test for Alzheimer's Shows Promise

A pill delivers insulin directly to the gut — replacing injections for diabetes patients

 

Biden funds precision cancer surgery to help cut cancer without damaging the good stuff.  

 

Even lawyers don’t like legalese but ‘sounds’ good and copy/paste easily: laziness

 

Found a ‘gravity hole’ in the Indian Ocean: Earth has holes not smooth

Israel tests limits of democracy as practiced by politicians

Research to merge human brain cells with AI secures national defence funding

 

 

 

@

 

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.

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

 

“I wish I had learned more about financials”

 

Survey: “I wish I had learned more about financials”

Many respondents wish they had taken the time to learn more about financial products. We are all very busy and don’t get a chance to learn more about making and keeping money. And yet, for many, the amount of money we have later makes a big difference in our lives. I was lucky. After working a few different jobs, including managing a small health bureau in NYC government, I managed a small operation in a Wall Street firm. I had a crash course in annuities, mutual funds, and insurance. I learned about the products brokers and advisors sell to the public. The most important lesson I learned was which products to buy and which to avoid. I have put that information into short reads that most folks can follow and succeed with. Unless you are wealthy and need special tax advice, I found that the simple products are best. You can understand them and pay much less than those products and services with all the fees, commissions and charges my industry uses to get rich. Pay less; keep more.

Take your discounts: https://www.amazon.com/Insiders-Guides-Discount-Financial-Services/dp/143480593X

 

Is Impact Investing right for you?

Social and environmental focus while you grow your portfolio sounds good. But most companies you may support are not pure plays. For example, Ben and Jerry’s was famous for its social and environmental concerns but it is owned by Unilever of UK which has a questionable environmental history. Labels such as socially responsible investing and impact investing are often used synonymously, alongside other terms like ethical investing and sustainable investing. They usually refer to a similar idea: Using your investing dollars to make a positive difference in the world. But my idea of “positive difference” and your idea can be different. For instance, some investors with particular religious ideas may invest in companies like Hobby Lobby since they have a strong religious mission. One of those missions is Museum of the Bible, a non-profit run by the Green family. Internal staff had warned that some items bought by the Museum had dubious provenance and were potentially looted from Iraq. Several shipments of the artifacts were seized by US customs agents in 2011, triggering a years-long struggle between Hobby Lobby and the federal government that culminated in a 2017 civil forfeiture. As a result of the case, Hobby Lobby agreed to return the artifacts and pay a fine. 3,800 items seized from Hobby Lobby were returned to Iraq in May 2018. In March 2020 the Hobby Lobby president agreed to return 11,500 items to Egypt and Iraq. It may be better to “invest” in your local charity (tax deduction improves your return) and leave your portfolio with “passive” investment guides.

Dream and plan: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

 

Is a SPAC right for you?

This type of investment is in the news because Trump is using a Special Purpose Acquisition Company to raise funds for his promised media firm “Truth Social.” A SPAC is like a reverse IPO—managers raise funds from investors to speculate on some project in the future depending on the amounts they raise. A special purpose acquisition company, Digital World Acquisition Corp, had two hedge fund investments until it announced it was helping Trump, who was impeached after being accused of inciting the Jan. 6 attempted coup. At the announcement of the SPAC with Trump’s venture, its share price zoomed higher. SPACs, also known as blank-check companies, are created to raise capital from public equity markets and then use that cash to merge with a private company that has or will have an actual operating business. Thus the two hedge funds probably profited from the news by selling ahead of the actually work with Trump. As usual, most of us were not able to buy and sell at the right time to make a profit without prior information about this event. We are better off taking Buffett’s advice.

Follow Buffett’s advice: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

 

Is a 401k loan a good deal?

Yes, but. 401k money is your money. It may seem like a no-brainer to borrow your own money in a pinch. However, this loan is probably the most expensive loan you will ever take. When you take money from your future nest egg, you are taking giving up one of the most valuable things you own. You can replace the money you take but NOT the time your money is using to grow. Example: $10,000 missing from stock market growth for 30 years can cost you $198,373. That is how much more you would have if you left the $10,000 in a market index fund earning the average 10% per year. Your $10,000 earns dividends and earnings on reinvested dividends. Sure you could tell yourself you will pay the $10,000 back in a year, but few borrowers actually do. Many plans require repayment within 5 years. If you fail to repay there is a penalty plus income taxes. If your employment ends with a loan outstanding, you may have an immediate repayment demand. However, with the pandemic job upheaval, taking the loan was seen a necessary and that loan may never get repaid. Many will just start over when they are employed again. The loss of the time in the market can never be made up.

You may have to work longer. https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

 

Is your 401k robbing you blind?

If you have been able to continue to contribute to your employer savings plan during this critical time, congratulations. If you have been able to contribute more than the plan’s default savings rate, Double Congratulations. During this bull market, many have been lucky to double their plan balance. A simple low-cost index mutual fund has risen over 16% a year in the last 5-10 years. Others have not done as well because they used the default investment option of their employer. Usually the other options come with higher expense ratios, and thus have not benefited employees as much. Some firms have been sued because the employer options have been poor or compromised. Of course, employees can contribute more in order to gain a higher employer matching amount. However, the low-cost investment option usually provides a higher retirement balance than a higher contribution amount. The BEST strategy would be to pay the least fund and plan fees with the highest employer match. This combo—least cost; maximum contribution; highest match—helps you reach your retirement number faster.

Avoid high fees: https://www.amazon.com/Robbing-You-Blind-401k-fees/dp/1493588966

 

How you can hurt your credit score and report

Car rental: If you use a debit card, a rental company may check your credit history. Confirm the reservation with your credit card to avoid the unnecessary credit inquiry. Then, settle the final bill with your debit card upon returning the vehicle. Cutting credit card: If you close a credit account, you may raise your credit utilization ratio—percentage of your total being used—which is bad for you. If you use $5,000 of your total credit of 15,000 and then cut one of your other $5,000 cards, your ratio is now 50% not 33%. 30% is better. Missed payment: if you miss a rent or car payment, your delinquency may be reported to the credit bureaus. Disputed bill: if you are not happy with a bill, the vendor can ding your credit for failure to pay on time. Breach a contract: refusing to pay a membership you don’t want gives the company reason to hurt your credit. Unexpected bill: you need to negotiate a payment plan instead of ignoring valid assessments. Apply too many times: each loan or card application is a red flag to creditors. Just because you can apply does not mean you should. Each car dealer will check your credit if you are shopping so shop online first. Use credit wisely so you always have it for emergencies.

https://www.amazon.com/Money-Scams-financial/dp/1505437962

 

Why do we need to subsidize the billionaires?

Walmart family members have billionaire legacies from the founder, Sam. And yet, we US taxpayers must subsidize them to earn more. Why? For many years, we have had to provide food stamps (SNAP) and other financial help (Medicaid) to their employees to give them a living wage. Walmart employees receive $ billions in US food subsidies. About 70% of the 21 million federal aid beneficiaries worked full time, a GAO report found. This means the Walton billionaires would have earned less if they paid a wage high enough so we taxpayers did not need to make up the difference. McDonald’s was among the top five employers of Medicaid enrollees in five of six states and SNAP recipients in eight of nine states. Other notable companies with a large number of employees on federal aid include Amazon, Kroger, Dollar General, and other service and retail giants. Many employees are paid about $10 per hour or $400 a week BEFORE taxes. The federal poverty level is $26,500 so many employees of the billionaire companies qualify for US subsidies. Many employers pay NO taxes to cover this federal aid. Many wealthy people have already reduced their tax bill with tricks. We subsidize the rich since they profit from paying less than a living wage to most of their employees.

Socialism, American style: 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

 

Our Jan 6 ‘Truth and Reconciliation Commission’

 

 

Extremists: “FBI Instigation of January 6th”

 

Bannon to Congress: F…You

 

Trump to Congress: F…You

 

Frmr military & police plan gov overthrow

 

TX attorney general: Biden overthrew Trump government:

 

Congress fails on voter rights

 

 

How Govt wastes our money:

One coal Congressman sends us into climate disaster: last chance before GOP deniers

VA GOP promises to keep kids from reading books the GOP doesn’t like: Trumpists win

One millionaire decides no wealth taxes: Biden plan to rebuild US collapse: Fair share?

 

Military spending increase after Afghanistan: $46 Billion wasted on broken systems

Wasted tax dollars: 4 agencies paid to do ‘intelligence’ failed in Afghanistan exit

Congress allows wealthy to avoid IRS tracking large transfers to avoid taxes

 

Congress allows drug prices to escalate even more: Our reps profit from the increases

 

SCAMS/SPINS:

Save the children: Delta “plus” variant more transmissible: Stop deaths at 750,000

Children lower risk of serious illness from COVID, but they are likely to spread it. 

COVID 19 is the sixth leading cause of death among 5-11-year-olds.

 

Judge: SW pilots must get vax so airline can make ‘safe work environment” per contract

BEWARE gov workers/police: they ignore vax mandate: we assume they have Covid

NYC police die from Covid still resist vax: 60 so far: NYPD workers dead

72% of unvaccinated workers vow to quit if ordered to get vaccinated

 

 

Kyle’s judge already decided case: victims must be called ‘rioters’ ‘looters’

TX man kills man parked in his driveway: claims ‘self-defense’ as car flees.

 

Fake messages to raise hate: prices, guns, Covid vax,

Fake Covid vaccination certificate purchased so folks can travel: BEWARE 

 

Steven Gallagher OH caught $1 million pump and dump "old-school boiler" fraud

Trustmark National Bank TN caught redlining loans Black and Hispanic neighborhoods

Ann Vick CO caught stole $3.2 million Ponzi scheme promissory notes option tradeing.

 

Hospitals caught overcharging routine procedure by label ‘emergency’ $16,221.26 birth

Fast food may contain plastic: health problems for old and young, reproduction etc

Employers caught winning all mandatory arbitration employee customer grievances

 

Flooding Earth's orbit with thousands of new satellites makes your next ride dangerous

 

HATE maker: Trump warned on social media that looters in Minneapolis would be shot.

Weapons were found in the cars of Jan 6 terrorists: Trump asked them to stop Congress

 

Jobs

Scams on employment opportunities: 16,000 folks claim fraud

Record number of jobs abandoned: business earnings skyrocket

Employers calling back workers they pushed out just a year ago: work for peanuts?

 

Who owns your account now?

Medicare Advantage: JD Power survey best plans

Post office: cash paychecks gift card: Washington, Baltimore, Falls Church, the Bronx

 

Miracles:

Coal burn or Car idling?: CO2 levels in the atmosphere reach a 3 million-year high

Drought-stricken California lashed by heavy rains, flooding and mudslides

Vaccine for breast cancer: trials begin for worst cancer type

 

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/

 

Wisdom comes only thru suffering Aeschylus

 

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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