Your Unbiased Advisor: dividends

Showing posts with label dividends. Show all posts

Friday, July 29, 2022

What to do when you don’t know what to do?

Are strong dividend stocks for you?

When the market is down and talk of recession is high, many of my readers move more money into a dividend-producing stock fund like Vanguard’s Dividend Growth Fund. With a low expense ratio of 0.27%, you get to keep more of your earnings. Dividends are taxed at a lower rate than other gains so this fund is perfect to hold in a non-qualified account. There are no purchase, redemption or 12b-1 fees so you keep more of your earnings. This fund provides long-term returns of 9% and current return of -8.84% YTD while avoiding the downdraft of the current market at -18%. The fund focuses on high-quality companies that have both the ability and the commitment to grow their dividends over time. So when stock prices are down, dividends keep coming across many sectors of the economy. Overcome inflation: keep your money growing in retirement.

https://www.barnesandnoble.com/w/what-to-do-with-your-rmd-dan-keppel-mba/1128673366

4% of Americans have a million-dollar retirement nest egg

How did they get to over a $1,000,000? Not all of them are entrepreneurs or recipients of a family legacy. Some humble people earning the average American salary have crossed the mark before retirement. A survey of regular investors found that only 4% reached their goal. Advisors tell us to “do the math” to find your number. For most folks that is really impossible until it is too late to do anything about it. You won’t know your SS benefit, your pension or 401K/403B/IRA number until later. Some folks can estimate what they will need but inflation could strike at the last minute like it just did. But life is uncertain and you could be hit with layoffs or severe illness/accident right before retirement just like we all experienced. The only sure strategy is to invest early, consistently and paying little for the average market returns of 11% a year. It is time—compound earnings—that gets you there. If you pay an advisor to invest for you, you may be giving away up to 63% of your potential total, according to one analyst. Most of us don’t learn about basic investing early or about the low-cost way to benefit from stocks. Only 4% of us have smart parents or meaningful college courses to teach us. Give your child a leg up. Use the simple Buffett method.

Sign them up early: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

What to do when you don’t know what to do?

Every investor is faced with conflicting information. Advisors who are paid by you and I are supposed to know what to do in these times. Some of them believe that activity—any activity—is good since it shows they “know” what to do. As one who worked on Wall Street and with advisors for years, believe me, they don’t know. So what should you NOT them do? The best unbiased money managers like Warren Buffett say: DO NOTHING. Buffett said that his holding period is “forever.” Your gut is telling you to sell all your investments NOW. But wait, Warren Buffett, world's greatest investor, says, “Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees.... Paradoxically, when ‘dumb’ money acknowledges its limitations, it ceases to be dumb.”

https://www.amazon.com/Snoring-Best-Way-Create-Wealth/dp/1466408928/

Why do wealthy folks keep buying stocks when the market is down 15%?

Those with money have money because they don’t keep their money in banks that pay less the cost of inflation. They have learned over time that the market goes up about 11% per year over time. So if the PRICE of stocks (not the number of stocks or the value of the company they represents) goes down, they buy more. The stocks are on sale in effect. They know the price will rise again. Most of them have lived through this up and down effect. Since 1871 the average return is 11% but some years down 37% up 28%. Rich people don’t need an advisor to buy fewer shares when the price is high and more when shares are low. The wealthy know that paying an advisor for life can reduce their possible nest egg by 63%: OUCH. So they don’t use one. They use a low-cost fund manager like Vanguard’s Windsor Fund and keep on investing the same amount year in, year out.

You can buy like the rich automatically using the best Robo-Advisor available.

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

How much is your advisor overcharging you?

Many of my readers are suffering PAPER losses during this 2022 market sell off. The losses are not real unless they foolishly sell. What surprises them is how investors can let advisors continue to take money from folks when they are showing losses. When advisors take their quarterly fees, these are REAL dollars leaving clients’ accounts, not PAPER losses. Readers have learned the hard way that COST is the best predictor of investing success. Success with stock-picking is short lived. The advisor that tries to trade securities to avoid losses or capture gains is doomed to lose money. There are few successful masters of market timing. Listen to Warren Buffett: "The stock market is a device for transferring money from the IMPATIENT to the PATIENT." According to an unbiased Morningstar study, low-cost funds beat high-cost funds PERIOD. “In every single time period and data point tested, low-cost funds beat high-cost funds.” Over time advisors can take up to 63% of your potential nest egg. Use low-cost fund vendors.

https://www.amazon.com/Best-Predictor-Investment-Success-Cost/dp/1502524082

?**********ACCOUNTABILITY**************?

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

The Path to Dictatorship: 2010-2030

Jan 21 2010 Corporations’ election-spending unlimited

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 “detached from reality”

Trump used mafia 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

Nov 8 2022 Trump’s “national revolution”

How Govt wastes our money:

Will any of the J6 coup instigators ever get tried and go to jail? Rich have all the lawyers

Sedition: If GOP wins 2024, Dems can overthrow GOP govt: no law/order in fascism

The SS phone messages deleted not SOP unless guilty of aiding a coup attempt

Can Trumpists try to overthrow an elected government and get away with it: no jail time?

Trump vows to install his “Brownshirts” in government positions ending civil service

Election deniers are running to control Dem voting: GOP determines 2024 election

Can America prevent the next GOP coup? Is GOP now the “terrorist overthrow” party?

GOP brainwashes county sheriffs to investigate elections: voter ‘fraud’ is widespread.

New Georgia voting law reduced ballot drop box access in places that used them most

Christian Nationalists strive to get their religion into schools: states push favorite prayers

Congress gives another $280 billion subsidy to those who need it least: Intel

Climate polluters asked to help pay for cleaning environment they soiled; big profits too

SCAMS/SPINS:

Private Advisor Group caught overcharging for mutual funds shares 12b-1 fees forever.

Adam Thomas Marquardt caught moving client money resigned failed hearing: defrocked

Ishan & Nikhil Wahi Sameer Ramani caught insider trading Coinbase: Twitter user saw it

Former Rep Stephen Buyer (R-IN) caught insider trading: nonpublic information: no jail

SCAM: New Crypto App: setting up a website that mimics a well-known financial firm

U.S. Bank caught illegally accessing credit reports, open fake accounts, fake sales: fine

Hyundai caught giving inaccurate information to credit bureaus; fail to fix: fine, no jail

J.P. Morgan, UBS, TradeStatn caught operating failed identity theft prevention programs

SCAM: 76 fake charities using names of legitimate-sounding nonprofits: check first

FCC orders phone companies to block auto warranty scam robocalls

Putin orders Google to stop showing Ukraine war video/interviews: fine $374 M

Hackers use the "forgot your password?" tool to trick into giving up their login

Hackers use “YouTube”keywords to link fake Windows Defender tech support: ransome

Albacore white tuna contains three times the amount of mercury as skipjack light tuna.

Facebook groups create the fake reviews for money:

Uber caught overcharging disabled: $ millions to settle lawsuit

Trident Mortgage caught redline intentional discrimination Philly families: fine, no jail

Wawa caught failed to use 'reasonable' security measures to stop hackers: our data

SCAM: “good deed homeless man” trick on social media: scam netted around $367,000

SCAM: why food basics rose so fast: grain merchant ADM profits up 74%

TX doctors not sure how to help pregnancy with complications: legal delays can kill

GOP wants to end freedom to use contraception: some want to end legal sex activity

Republican donors still paying for Trump’s tax and political crime defenses

Another Trumpist “does not recall” what they said on J6 to WH staff: convenient!

People in GOP counties higher death rates than Dem counties: health policy deniers die

Predictors of long COVID: obesity and hair loss at the time of infection, USC study

6-year-old boy fatally shot 5-year-old sister in their home: parents taught boy to shoot!

Jobs

In 2009 dollars, minimum wage has fallen over the past 13 years to just $5.27 per hour.

Who owns your account now?

Home: typical down payment, 7% or $27,400 keeps average renter out of home

I Bonds: inflation continues so great to keep for 5 years to get best rate: $10K limit

Women money managers take less risk and don’t sacrifice return: consistence vs trading

Lemonade buys Metromile pay per mile insurance

Miracles:

Finally, USPS buying EV instead of gas: Trump’s postmaster forced from his oil shares

Glaciers vanishing at record rate in Alps following heat waves

New gene therapy could finally cure hemophilia B

Blood test allows the detection of Alzheimer's 17 years in advance

HIV patient is effectively cured after stem cell transplant

Alcohol directly accelerates aging, an extensive genetic analysis reveals

Kyiv nightlife comes back amid urge for contact. “This Is the cure.”

Monkeypox named a global health emergency after it reached over 70 countries.

Congress to help veterans who were exposed to Agent Orange in 1961-71 Vietnam.

13-year-old is headed to medical school year after graduating high school: memory cells

The oldest galaxy we have ever seen in the universe: light from 13.8 billion years ago

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 in universe: galaxies to stones 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!

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.

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/

Friday, February 25, 2022

FREE unbiased advice

Time to buy stocks?

The stock market is down 12% so far this year. For the long-term investor especially, this is the time to BUY. Stocks are on sale. The long-term trend is still positive—9-11% returns over time. If inflation continues at present levels, you will need those levels of return to maintain your purchasing power, especially in retirement. If you sell all stocks and buy bonds or cash, you will have little gains in future years. You may lose money. The last times we had volatility; the stock market fell and rose again. (Google IVV MAX for returns since 2000) If you had stayed in the market, your money has increased 204%. Compare other asset classes like precious metals, real estate, cash, Treasuries. Yes, less volatility but less compounded returns. Buffett’s secret: “My wealth has come from a combination of living in America, some lucky genes, and compound interest.”

Let compounding work for you: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513

Putting your refund to good use

The average refund is $3,000. Save the $300-$600 tax prep cost by doing your tax return using IRS-approved tax software via IRS free file. Or AARP free tax prep. Do not mail your return since IRS is still processing 2019 paper returns. I just got my refund! Have your refund put in your account directly—direct deposit is the safest way to finish your taxes. Take all your credits: Child and Dependent Care Credit was supercharged through the 2021 American Rescue Plan. Parents can receive a tax credit worth as much as $8,000 — nearly four times the previous limit of $2,100. The Child Tax Credit provided funds throughout the year but some families may have been shortchanged. The expanded Child Tax Credit, by comparison, provides $3,600 for each child under six and $3,000 for children between 6 to 17. The fact that the tax credit is also fully refundable is important because it could boost the tax refund that many parents receive this year. Invest your refund each year and you could have $500,000. Start your tax-FREE retirement fund so you have enough later on. When you can no longer work, you can spend ALL of your investment earnings—no taxes. This helps avoid taxes on your Social Security too.

Guarantee your future: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

What’s your retirement income look like?

Before you quit your job and retire, you need to see if you will have enough income. The earlier you do this the better—you may need to hang on for a while. You can get an estimate of your Social Security benefits at ssa.gov/benefits/retirement/learn.html#h2,

Ask your HR department for your estimated income from a company pension or retirement plan. Will your pension provide cost of living increases and pay some of your health care expenses? If you may be doing a ‘back door’ Roth IRA conversion, wait for Congress to decide on the BBB bill, expert Ed Slott says. Finally, you can estimate how much income you might receive from your savings/investments with a Monte Carlo income calculator like Vanguard’s. Is your spouse’s income included? Are there any forgotten 401k pensions from former employers sitting out there? Are you planning on staying in town with your current friends or moving? Are you getting financial support from other sources? Are you likely to arrange a phased retirement with your employer? What are you planning to do with your time? Will you have enough income? How will you handle health care costs before Medicare kicks in?

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

Why Trump and kids have subpoenas

NY State thinks he has defrauded businesses because he faked the value of his assets in his financial statements. For instance, he claimed his Westchester golf club was worth less than the tax assessor said so he paid less property tax. He also claimed deductions for claiming the forest in the front yard of his mansion would never be developed. Since his accountants are now admitting their returns are not to be trusted, his businesses may have fake deductions and asset values. His business partners are suspicious. His business manager has already been spoken to so he will have few other people to blame for fraud. He may have been involved in money laundering in his real estate deals. His kids may have been involved. His normal response is to delay any confrontation so this prosecution may take more time. If he is reelected, he will not be able to claim the privileges of the president or replacing of the prosecutor since this is a state violation. Remember, he told us he does not pay taxes because he is smart. Or maybe just a criminal fraudster.

https://www.amazon.com/Most-U-S-Corporations-Pay-Taxes/dp/1514274116

When do you need to hire an advisor?

Financial advice comes in so many forms, you need to make a careful selection or you will pay more than you need to pay. For instance, if you pay a salesperson to manage your money, you could be giving up 63% of your potential overall earnings. One analyst calculated that if you pay annual expenses, trading costs, and poor trading timing, your total expenses can cut your earnings in HALF. If your investment returns average 7% and you pay 2%, your net is 5%. Inflation averages about 3% so you are accumulating at 2%--not much better than a guaranteed 10 year Treasury. Because sales people are notoriously bad at beating a simple stock market index account, you could be giving up earning 11% gross over time. On the other hand, if you need financial advice like charting your retirement income projections, you could pay a one-time fee to a fee-only fiduciary planner. Financial planners listed reflect FPA CFP^® Professional members in your area. This assures you that you are not being sold an expensive product or service. You pay a fee for a report/advice like you would pay a lawyer.

Pay less; earn more: https://www.amazon.com/Robbing-You-Blind-401k-fees/dp/1493588966

FREE unbiased investing advice from real professionals

Charlie Munger, Vice Chairman of Berkshire Hathaway, speaks at the Daily Journal Annual Meeting. With Warren Buffett, Munger has grown wealth for stockholders in

Berkshire Hathaway. If you don’t have time to listen, his take on a rich and happy life:

Avoid treating the stock market like a casino.

Avoid speculating in cryptocurrencies.

Avoid doing something because you see someone else get rich doing it.

Avoid anything so addictive to you that you give up everything else. For some, it could be alcohol. Others, it could be video games. Others ‘playing’ the market.

Avoid “pretentious expenditure”.

Avoid holding large amounts of cash.

Buffett is more explicit: own 2 low-cost Vanguard stocks for retirement. When you have stock assets, your money compounds at higher rates when your account fees are 0.01-0.05%, not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide your advisor’s firm with higher revenues. The average investor earned just 3.79%, not the 10-12% market rates. (QAIB)

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

Why reinvesting stock dividends can provide better returns

Dividends are paid to stockholders when corporations earn profits. Usually, these companies are stable money makers like Microsoft, Johnson & Johnson, UnitedHealth, JPMorgan Chase, Procter & Gamble, Home Depot, Visa, PepsiCo, and Broadcom. Owning shares provides cash that can be reinvested in more shares and produces the Miracle of Compounding. Dividend increases plus share price increases amount to compounded returns of 11% a year or more. One such fund is low-cost Vanguard Dividend Appreciation Index. Over time, several of our readers have turned their $500 a month investment into over $100,000 in 10 years.

Pay less; earn more: https://www.amazon.com/You-Beat-Wall-Street-professionals/dp/1986031373

?**********ACCOUNTABILITY**************?

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

The Path to Dictatorship: 2010-2030

Trump sued for inciting riot

Inciting gov overthrow not “official act”

State electors can pick any president

Trump: Putin’s invasion ‘genius’

How Govt wastes our money:

GOP anti-vax increases mental health diseases in citizens:

Putin takes Ukraine: house to house guerilla war: Putin wants old USSR land

FoxNews supporters of Putin’s invasion: Don, Tucker talk anti-Biden ideology

SCAMS/SPINS:

Stand-your-ground laws match 11% increase in gun killings: No talk; just kill you

CA lets citizens enforce assault-weapon sales ban like TX abortion ban: earn $10K

Charles Severt caught stealing Social Security benefits; $20K from church: 2 yrs prison

Parking lot ‘gold’ is not real: scanners say need gas food: direct them to pawn shop

Vehicle Protection Corp caught selling ‘Extended Auto Warranty’ scam: $6 million

Skin care scams: they just don’t work: snake oil was popular too.

Home Security Systems Vulnerable to Hacking: CR's tests of 10 DIY systems

Tesla autopilot causes crash: “unexpected brake activation" at highway speeds

Look out: Tesla working on making Steam Games playable in cars: can kill you

TurboTax caught bait switch free to FEE scam: uses IRS file free advert

Trump selling ‘classified’ US-owned documents from his FL hotel?: 3 years prison!

Trump’s mafia threatening: 30 Dems to leave House in 1 year: highest since 1992.

Trump’s mafia forces 2 top NY prosecutors working on Trump crimes to resign, fast

Trumpists meet Leader in Orlando: CPAC rally future or rerun ‘stolen election’?

GOP insane: Trump blames Russia's invasion of Ukraine on US 'rigged election'

4% of Americans are on Russia’s side: Most OK to let Ukraine stand alone

Now that everyone is de-masking; maybe I should keep mine in place: 950,000 dead

more contagious omicron variant BA.2 is stalking our country.

Jobs

Your next interview online: computer will interpret your ‘real’ readiness for job

Cities with most job growth: Austin, Salt Lake, Dallas, Tampa, Phoenix, Jacksonville.

Green jobs expanding beyond solar panels

10 jobs with the biggest salary increases : some 63.7% increases

Who owns your account now?

Where the bad guys hide their ill gotten $ millions

My small handy ATT flip phone already stopped working: 3G wireless channel is closed

What happens when we lie about your home insurance claim

Phoenix, Tampa and Miam led home price increases: highest in 34 years

Dallas buys 4^th hotel for homeless: TX split boom bust on citizen’s inequality

Miracles:

2 patients experimental treatment lymphocytic leukemia are cancer-free a decade later

Gene Therapy for Tay-Sachs Disease: 2 kids try new approach

Solar panels on water canals generates 13GW plus saves water from evaporation!

Warming: uncontrollable wildfires will rise 14% due to greenhouse gas emissions

dog goes home after lost 12 years: miracle: expired chip 60 miles away

Buy a used car WITHOUT a $1,000 mechanic check: wear gloves

Does Jesus really care which word they use to accept as Lord? Baptize by full immersion?

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

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

Friday, November 5, 2021

Is a traditional 60/40 portfolio right for you?

Savers and investors who tell their advisor that they do not want to take excessive risk are usually given the 60/40 option—60% of their investments are in stocks and 40% are in bonds. If you pay an advisor to pick your stocks and bonds, this traditional portfolio may work for you and let you sleep through the night. When they quit working, their stock holdings are reduced to 30%. But what if you have not saved enough for the retirement you envision? Buffett has suggested a 90% stock 10% cash position for his eventual widow's retirement portfolio. This does not work for most of us since we don’t have the level of assets Buffett’s widow will have. Some of my readers operate on a LOW-COST 70/30 option in retirement since they have a balanced portfolio and large pension/IRA/SS income. Others have been lucky to rely on a “total return” strategy during one of the longest bull markets in history. They try to reduce their taxable income by buying non-dividend stocks like Buffett’s well-diversified firm with no commissions. They built emergency funds to pay for 2 years of expenses to survive a market drop. For most of us, the Target Date funds offer the best compromise for pre- and post-retirement portfolios. The key to success is low-cost funds or securities since we earn more when paying less.

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

Should you invest 10% or 20%?

This is a constant question I hear. Answer: it depends. First, more savings is always better since we are living longer and the prices will be higher later. Talk of higher inflation is already moving money from bonds to stocks. Second, if we have time to invest (retirement is 5+ years away), we should be investing in stocks not bonds. Yes, the stock market has already gone up over the historical average of 11% per year but there is no alternative. Savings at under 2% per year will not even cover the price increases for one year let alone for our future. Third, given the historical inflation rate of 3%, we must invest in stock or balanced funds and the cheaper the better. There is no reason to pay 2% commission, fees, trading timing failures to someone who cannot guarantee inflation-beating returns. Most of us have not invested enough during out working years, so starting at 10% and increasing the percentage each time we receive a raise makes sense. Obviously, if your nest egg is low due to low returns or employment pause, you must increase it to stay on track for the future benefits of income. You can run simulations of your final nest egg balance and how long it will last here: https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf

https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

Is AFLAC insurance right for you?

This pays you cash if your accident or illness is covered. You will not receive what you might expect given the premiums you have paid. The insurer pays claims at about HALF what you might expect to receive after your health insurer pays your medical bills. This is an insurance company and they determine how much your payout for an illness or accident will be. Not every situation is covered. For many folks, this is a “forced savings” product. That means you might be better off putting your premium into an emergency fund—a balanced mutual fund at low cost or high-paying bank CD. A disability policy that your employer pays means that the benefit you receive is taxable income to you.

https://www.amazon.com/dont-have-money-Financial-Emergencies/dp/1537636707

Will any of these 55 tax avoiders actually pay the 15% global tax?

The global minimum tax is a way to prevent large multinational corporations from shifting their profits to low-tax countries, such as Ireland (12.5% corporate rate) and Switzerland (8.5% corporate rate). Until now, this has been done by setting up subsidiaries in these tax havens. By maintaining a minimum tax rate of 15% in the vast majority of countries, there is virtually no place remaining (other than Kenya, Nigeria, Pakistan and Sri Lanka, which have not yet agreed to the rate) to shift profits to—particularly from intangibles (patents, trademarks, software, royalties on intangibles). Those who support the tax expect it will boost the global economy and incentivize multinationals to keep more profits—and the tax on them—at home. As it stands now, the tax would only apply to large multinational corporations. This means corporations with profits outside their borders exceeding $868 million. It would not impact the tax rate charged by the corporations’ home countries. Yet another layer of the global minimum tax is for the largest multinationals, with excess profits (profits in excess of 10% of revenue). The tax rate here would be 25%. The law has not yet been enacted by the U.S. So only the little people pay tax and the wealthy pay our Reps to keep it that way.

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

Wealthy folks avoid taxes by claiming dual citizenship in city, beach, mountains

You have your choice of 25 capitals and cities around the world where you can acquire residence through investment migration programs. The places are ranked according to 10 main categories that represent the most pressing relocation considerations: lifestyle, tax, education, real estate, health care, security, infrastructure and stability, as well as COVID-19 safety and the relevant investment migration program. All 25 locals are proactively welcoming foreign investors, and while some are clearly leading the pack, each has its strengths and particular appeal. And special companies will help you make it happen. Zurich, St. Helier, Lisbon, Rome, Monaco, Cyprus, Athens, Malta, Kuala Lumpur, etc. Avoid bad weather and taxes.

https://www.amazon.com/Your-Hidden-Wealth-Reserve-Reduce-Taxes/dp/1540435148

Is working as long as you can right for you?

One of the biggest regrets some folks have is not seeing their co-workers on a regular basis. Many say they plan to get together but somehow it never happens. The benefits of working, even part time, are many. Many feel lost in retirement since their lives revolved around their mates at work. ‘Friends for life’ is how they describe those they have seen for 5, 10, 20 years. Unless you are working in a coal mine or warehouse, you should stay connected to your network. 1^st health benefits of seeing your group and receiving health care benefits can’t be discounted. Working requires using your body parts. The old saying, “use it or lose it” is true for many retirees. You may enjoy many more years with family and friends when you are active. You don’t have to gym or golf or run to stay healthy according to new research. Walking is fine. 2^nd because you are called upon to make decisions—any decision—you will ward off the onset of some possible memory or dementia problems. You won’t get stuck watching TV, playing computer games or staring at the monitor all day. You may even increase your skills in case you want another career. 3^rd you can spend more money. In fact, adding more to your nest egg will provide you with peace of mind. Your SS benefits will be greater since every year you do NOT take benefits adds 8% to your payout. You can work and take extra benefits after your Full Retirement Age without penalty. After age 70, your benefits do not grow larger but they may have doubled from the amount you would have received at age 62. If you are still working and contributing to FICA after FRA, your benefits are recalculated each year. So instead of $1,463.80 a month you could receive $2,975.00. Eventually, you will have to withdrawal funds from your 401k, IRA, etc so you need to plan your spending.

https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

Can you live on dividends alone?

Some investors accumulate enough stocks that pay dividends they can live on them as retirement income. The list of so called Dividend Kings provides a broad selection of stocks with a solid history of dividend payments. You know many of these firms already: Coke, 3M, J&J, but there are many not well known. Now you have mutual funds and ETFs of these stocks. The downside to ever increasing dividend income is dividend tax. To become a Dividend King, a company must have at least 50 consecutive years of dividend increases. Because of that high standard, it likely doesn’t come as a surprise that only an exclusive list of firms make the list. In 2021, there are just 31 Dividend Kings. This strategy provides the value tilt to your portfolio—growth stocks are light on dividends. “Dividends can offset losses if the market is declining and help with inflation.”

Make your plan complete: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

**********ACCOUNTABILITY**************

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

Our Jan 6 ‘Truth and Reconciliation Commission’

“The coup is ongoing”

Sentence for overthrow government: free to do it again

Judge: “attack on democracy ... unparalleled in American history.”

GOP aided and abetted the coup attempt

Supremes: overturn 700-year tradition restricting weapons in public?

How Govt wastes our money:

Manchin cancels paid leave for family health: women have baby on lunch break?

Manchin demands getting his way or gut services and structures: coal pays $491,949