How Govt wastes our money: Apr 2024
NASA wastes taxes:
Microgravity Disrupts
Astronauts’ Gene Rhythms During Space
Biden gives $ Billions in
bombs to
Biden to sell 50
military planes to Israel worth $18 B income to Boeing
over time
133,000
households split $20 trillion 2020 as of 2023 up 47% with fewer 2017 taxes.
1,000
people died after police subdued them with this kind of “less-lethal
force.”
NASA wastes $4.25 Billion
on Jupiter moon as possible habitable ice ‘home’
3 out of 10
Americans have no
retirement savings: we will have to pay higher taxes
SCAMS/SPINS:
"Strive not to be a success, but rather to be
of value." – Albert Einstein
Judge warns us
against Trump tyranny: Trump
attacks judge’s family
Judge Luttig: Trump’s
mobster tactics: ‘Nobody in a position of
responsibility has addressed it'
Trump’s audience is
his congregation: White religious folks find a savior
to believe in
“Restrictive ed laws
affect 1/2 the kids aged 5 to 19.” limit or forbid
sensitive topics
CA fails to deal
with lack of homeowners’ insurers: premiums
up; coverage down!
Vehicle touch
screens tempt drivers to look away from the road
Recall: Kia recalls
400,000 SUVs over rollaway issue: moving
in Park!
Kia, Hyundai engine failure class
action settlement
Subaru Ascent CVT defective
transmissions class action settlement
Audi vehicles had
engines with defective
pistons: VW class action settlement
Fake subscription renewal
notices take us for a costly ride
Facebook
Scams: common online
scams
Use of ChatGPT is
ticking up, but few
trust its election information
Biden administration
is not secretly flying undocumented immigrants to the
No evidence that collapse of Bridge was intentional attack or caused by
DEI programs.
We led the way in
new oil and gas projects in 2022 and 2023: we
make world hotter!
Climate change is
making giant
heat waves crawl slower across globe
Recall: Hazardous
Products That Were Recalled This Week: Cancer ‘cures’
42,000 bridges
nationwide were rated
as poor: IA PA have greatest number “poor”
William Jack Berg IA
stole $1.5 million from clients promised
invest in securities.
Christopher Turean
IN stole $4.7 million from client promised
high real estate returns
White GOP boss votes
illegally 9 times; fined:
Beware: IRS Cracks
Down on Abusive
CRAT Strategy: trust profit to annuity penalties
Scammers that
aggressively mislead taxpayers into thinking ‘tax
debts can disappear.’
Biggest drug
companies fail to turn enormous profits into discoveries: little
guys do
Physicians with
other specialties are practicing
cosmetic surgery on us and some
die
World
Central Kitchen says Israeli
strike kills 7 of its workers in
‘Lavender’: The AI machine
directing Israel’s bombing spree in
15-year-old
killed by sheriff's deputies as she followed
their instructions
Jobs
jobs.interestingengineering.com/
Cheap
child labor replaces immigrants in some 16 states as 13 strengthen labor
laws
Latinos
are launching new businesses at staggeringly
higher rates
Who owns your account now?
Where is your
refund? irs.gov/wheres-my-refund
IRS: what-if-i-cant-pay-my-taxes
Biden restores endangered
species protections rolled back by Trump
Wellness: Cancer
patients want 2nd round treatment when
cancer returns
Elite Clubs and the
Process of Exclusion: Wealthy
have their own hang outs.
Best vehicle choices for safety
within size categories: foreign names made here.
Medicare
Advantage chaos: some providers cancel insurer plans
Audit Technique Guides can help you find what IRS is looking for in your accounts
are-you-liable-for-data-breaches/: depends on type of business
Can we fail in retirement: hard to stop accumulation phase emotionally
Documents you need in retirement: it may be too late later
NYTimes to soon offer most articles
via automated voice
Most retirees still had 80% of their pre-retirement savings after 20 years of retirement
Average retirement savings balance
by age
Save money: free tax filing options—get time extension to file return
Best & Worst Firms for Self-Directed Investors: J.D. Power, 2024
Fireman's
Fund (Allianz’s
Miracles:
Cancer
signs could be spotted years before symptoms, says new research institute
Focused
Ultrasound Emerges As Game-Changer For Chronic
Pain Relief
New blood test might offer
convenient way for people to get tested for colorectal
cancer
3D-printing
living brain tissue that grows, functions, and communicates like normal
tissue.
Americans 100 or older is projected by the Census Bureau to quadruple in
the next 30 years.
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Lessons from successful investors
Insure your life
-style
Invest the same
amount you spend on life insurance to save your life –style later.
Young people want to
know how much should they invest. At a recent wedding, the groom asked me this
question. Most young people don’t start investing until they settle down and
get married and or get pregnant. The easy answer is start investing as soon as
you get a job. However, investing becomes critical when we start a family. Many
are starting a family later than previous generations. It becomes critical to
saving enough for retirement that we begin at this time of thinking about the
future. It is a critical time because
there is a big difference between investing for 30 years ($569,831) and 40
years ($1,594,195). A simple
example makes the case: invest $250 a month for 30 years vs 40 years at the
average stock market return rate. Would your family rather have $1/2 million or
$1 and a half million for the future 30-40 years of retirement?
It is TIME not
timing: https://www.amazon.com/Buffett-Strategy-854-000-not/dp/1978481020
“Playing the market”
is a waste of money
This is the
conclusion of many money experts who have compared ‘buy and sell’ to “buy and
hold” strategies. Why? The market movements are like the weather—experts make
predictions that are wrong. Some analysts have made the right decisions for a
short time but none have shown how to be correct all the time. Warren Buffett
has a 59-year record of earning 19.8% a year
of being right by holding many stocks for decades. He does engage in “buy and
sell” because his 60-year experience has taught him a few investment secrets.
However, he does fail from time to time. This is the lesson for most of us
without the knowledge or experience: the “buy and hold” strategy is the
superior way to investment success. Otherwise, we think of investing as
equivalent to gambling: some win and some lose. Usually we play for the fun and
most of us lose our stake. Grow your wealth account; don’t gamble it with the
wrong strategy.
Use Buffett as your
advisor: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963
Making Financial
Independence less boring
Many clients come to
me when they get bored saving and investing for the future. When they try to
stay informed about financial matters, they hear about new thrilling news from
their friends or on the media. The hype is usually short-lived—they don’t hear
about the letdown that often follows. Their friends don’t provide the
embarrassing follow up that puts them in a foolish light. I try to calm my
clients by getting them to restate their goals—especially their short-term
goals and achievements. I underscore the fact that they DID accomplish the goal
of paying for their child’s education or buying that expensive vehicle or
vacation. They are now living in the best home they could afford at the time
and wow, it has really appreciated in value, thank you. Setting and reviewing
interim goals and achievements must be done on a regular schedule. Celebrating
a goal met is often overlooked. Saving and investing on a monthly basis looks
boring compared with the exciting happy-hour banter we hear regularly. Sorry
but most of it is just making conversation to impress others. I ask clients to
offer their real-life milestone achievements to counter such talk. Offer: “We
finally got David through his first year without taking that $20,000 loan.” Or:
“You should look into spending 2 weeks on that fantastic Spanish coast near Málaga.”
Focus on interim
wins: https://www.amazon.com/Patience-is-profitable-passive-investments-Street/dp/1986843777
Teaching your child
how to build wealth
The Simple, Easy and
Wise Plan: $9 a day grows to $55,000, $400,000, $2,000,000 over time, 1 hour to
set up at no cost, 1 hour to manage once a year, a tooth brush to remind you
building wealth is a habit. Every year your child delays investing costs them $100,000
later. Accumulating $2,000,000 over time does NOT require them to be a genius
or lucky stock picker. All it takes is one hour on the telephone or computer to
set up a tax-FREE account at no cost. You or your child tell the trustee to
take $9 a day—$250 a month from their or your checking account automatically. They
check on their low-cost mutual funds once a year. That's it. Oh yes. Every
morning when they brush their teeth, they think about how their wealth is
growing because they are leaving it alone. Remember what the great investor,
Warren Buffett, said: “We continue to make more money when snoring than when
active.” In the last few years, smart investors have come to learn the secret
of building wealth by doing NOTHING. After a hundred years of the financial
industry broadcasting the myth of Wall Street, some have come to realize that
we don't need a highly compensated salesman to build wealth. The myth of Wall
Street is that only the ‘professionals’ know how to build wealth. Luckily, in
1951, John Bogle, outlined a way to accumulate assets without the high cost of
using a salesperson to pick securities. Wall Street was busted and your child
wins the wealth-building game.
Help them start: https://www.amazon.com/Building-Wealth-Like-Brushing-Teeth/dp/1470141469
What is the right
asset allocation for you?
Advisors show
clients a huge process of picking the “right” portfolio for them. This lengthy
process can take many weeks and several personal visits. All this time and
energy looks impressive and the bill is even more impressive. But does it really
matter? Over time your asset allocation should lean toward the less volatile.
The standard practice matches your age to your fixed securities choices. Since
you have time to grow out of the experience of high volatility-high returns
(stocks), your advisor or your Target-Date mutual fund should be making changes
periodically. You should be receiving cash-flow management, tax planning and
wealth protection from your advisor during this process. The theory is that
when you are near retirement age you should have a 40/60%
stock/bond allocation for wealth protection. At younger ages, you should
have a 90/10%
stock/bond allocation for accumulation. Of course every person has
different needs. However, master investor Warren Buffett advocates owning only
two funds for life. He says a low-cost S&P 500 index fund should be funded with
90% of your retirement dollars. The 10% provides you with income for the current
year.
https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592
@
********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
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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/
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