Showing posts with label failed Coup. Show all posts
Showing posts with label failed Coup. Show all posts

Friday, April 26, 2024

Hazardous Products recalled this week

 

How Govt wastes our money:                                                                       Apr 2024

NASA buys cellular network on Moon for humans on other planets too: wasted taxes

NASA spent $1.2 billion to operate Psyche mission to get better pics from Mars. Wasted 

 

SCAMS/SPINS:

"Strive not to be a success, but rather to be of value." – Albert Einstein

 

Hazardous Products That Were Recalled This Week but not the weapons

Study shows crucial link: chronic stress and increased risk of cancer metastasis

Fake Botox Is Sickening Patients Across the U.S

Recall: Ham sold in Eight States: ready-to-eat sliced German prosciutto 

 

New Fiduciary Rule Regs May Cut $5,000 in Annual Fees

 

Supreme Court debates whether coup, assassination would be official acts

We will make more bombs, bullets, and bayonets so Israel and Ukraine can kill

AZ indicts fake electors for Trump to hold WH in 2020: felony fraud, forgery

 

Will Supremes make health care inaccessible to mothers near death? Dr leaving Idaho

Recall: HeartMate II HeartMate 3 removed from market: 14 deaths hundreds injured

Pro-Nazi accounts are spreading anti-Semitic content on X despite promise to ban

 

Brokerage firms make Untrue Statements in Ads regulators find: “erroneous” titles

 

Patrice Runner stole $175 million elderly: promised happiness with psychic's assistance.

Caz Craffy NJ defrauded military families: invested $1 million in his firm: accounts lost

CFPB sends warnings to combat junk fees charged by mortgage service firms:

 

TN teachers can now shoot the student/parents when they shoot at them. 40 hr training

Russia Suspected of Jamming GPS Signals for Thousands of Airline Flights

 

Jobs

Jobs unavailable: 69% pre-retiree investors believe retiring at 65 unlikely 

Volkswagen workers in Tennessee pass historic vote to unionize

Tech workforce grew faster in Austin: NYC gaining the biggest share of relocating tech

 

EV Technician: Average annual salary: $55,000 - $75,000 Hourly wage: $25 - $36

80% Ukraine-Israel bill will be spent in U.S. or by U.S. military: more jobs/work

 

Who owns your account now?

Wealth management industry is in the midst of a consolidation cycle: advisor moved on?

Top Supermarkets and Retailers for Customer Satisfaction

Coffee consumption in the U.S. hit a 20-year high

 

CR: Tesla have the lowest maintenance costs: Land Rover ($19,250) Porsche ($14,090)

Best Robo-Advisors depending on your needs/goals

San Diego was recently ranked the most expensive U.S. city to live in

Cost of buying a home has hit an all-time high: $383,725

 

Best Investing Books for serious investors

 

Miracles:

Some biologists: “a realistic possibility” that some insects, animals experience consciousness.

Ancient viruses may be to thank for myelin -- and, by extension, our large, complex brains.

World’s first recipient of a new medication that could prevent diabetes blindness.

 

For some, the liver helps some tumors stay alive by blocking T cells

19,000 weather stations have notched record high temperatures since Jan. 1: Hot Earth Day!

New at-home urine test developed to reveal head and neck cancers: adapted for other cancers

 

Metformin anti-inflammatory effects could help protect against common age-related diseases 

HIV drugs show promise as unexpected weapon against Alzheimer’s disease

 

 

 

@

 

Lessons from successful investors

 

How to diversify your portfolio without all the fees

New investors are being offered new investment platforms to diversify. Most are not without risk and high fees. Most don’t identify their long-term return rate. These include lending money to individuals, investing in real estate as a group, art and bond investing, and several other group platforms. Since most of these methods are unproven and expensive, you are ultimately led to signing a paid advisor. You are better off investing directly in low-cost mutual funds that provide the diversity you need. These funds have a track record and published returns that help you understand what you are buying. For instance, the Vanguard Real Estate fund provides ownership in many markets including commercial and residential markets. This fund has provided 8.97% annual returns since 2001 with expenses of 0.12% vs 1.09% for similar funds. You pay less and keep more. Using low-cost high-return funds from 10 different asset classes will provide steady returns without the risk of over-concentration.

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

 

 

 

@

 

 

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

 

 

Like 1776, this period is a test of democracyWe 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 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 limitJ6 comm threat

 

January 6, 2021A 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 

 

Aug 1 2023 Trump indicted by the United States of America

Conspiracy to defraud the United States

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

 

 

Aug 14 2023 Trump & 18 indicted by the State of Georgia

 

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

 

 

 

Aug 24 2023 The Don, Racketeer: GA jailhouse ‘mug’ shot his symbol

 

Oct 2 2023 Kelly on Trump’s staff, confirms Trump called our veterans/wounded soldiers, “suckers

 

Don’t get pregnant in Idaho: if you have an emergency, doctors told to let you die

 

Dec 2023: Trump using Hitler language to scare us

 

Wannabe Dictatorruns our House of “Representatives

 

MAGA kills GOP: Trump kills Reagan’s GOP

 

Jan 15, 2024: “God gave us Trump” the white christians’ savior 

 

MAGA rules the Republicans

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

Trump’s plans for America 2025-2028

 

 

 

 

@

 

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

 

dark energy may have eroded over time: we’re seeing hints of dark energy evolving

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/

No AI used in these comments

Friday, December 10, 2021

Congress allows wealthy to avoid paying any taxes

 

Great gift idea: tax-free ‘Wealth Reserve’

Help you child or grandchild get off to a great start in life: open a tax-FREE account for a secure future. You can open an account with them for $1000 and as they make contributions from earnings and holiday gifts, you can show them how their money compounds at over 11% a year. There are no broker fees, charges, or commissions so every $1 works for their future benefit. They never have to pay Uncle Sam either. This is a legal IRS tax shelter. It is the ultimate wealth management system for their whole life. A ‘Wealth Reserve’ is the New American Retirement System: all earnings are tax FREE.

Get them started right: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

 

Another way the wealthy avoid paying their fair share

Tax avoidance is the avocation of the wealthy and their ‘team.’ More popular now is the “Split the Masterpiece in Two.” With this trick, they “give away” a short time use of their collection ownership. They get a tax benefit tied to surging art values without donating a painting outright. In a typical arrangement, the piece goes back and forth between the donor and a museum. The owner gets an income-tax deduction based on the fair market value, potentially giving away more slices over time, for as long as 10 years. They can take $1,000,000 deduction every year on a $20 million piece while still viewing it at home. The IRS doesn’t release data on how often taxpayers claim deductions for these types of donations, so it’s impossible to track how much tax is being avoided with the strategy. Wealthy investors don’t typically tout it with the same publicity they might for donating an entire piece of work to a museum. Soaring prices for fine works are also helping to popularize yet another tactic that comes with tax advantages: art financing. Borrowing against the value of artwork allows people to get ample cash without having to sell, which means no capital gains taxes due. They have income they never have to pay income tax on. The rich have their cake [art] and eat [cash] it too. NO taxes ever.

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

 

Can you always “only pay for what you need”?

Liberty Mutual says: “You could save $947. Only pay for what you need with customized insurance from Liberty Mutual. Get my customized quote.”

Yes you can! Every insurance company offers to customize your coverage. Why would you pay extra for roadside assistance if you have a credit card with customer service? Why pay extra for accident forgiveness, low deductible, uninsured motorist (states that don’t require it), medical payments (if you have health care already), lost income (if you have other income), comprehensive (if your car is over 8 years old), theft (if your car type is not stolen often), bundling (if multi-policy cover is more expensive), monthly and paper billing, full year mileage, etc. Most people overpay for years: save $22,000. Discounts are not always explained—you must ask since fewer premiums means less commission to the agent. You should compare at least 3 carriers since they change their rates all the time. I have been quoted $500 to $900 for the same coverage.

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

 

Congress helping insurers sell annuities

Many bills are being considered this year so that insurers can sell their high-cost products directly to retirees. Fee structures for annuities make it seem like you pay nothing. However, an agent may earn 10% or more on your 401k transfer--$20,000 on $200,000 for example. The insurer makes so much on your money that they pay the agent with an up front advance. Then each year you pay 2-3% of the total usually by deducting it from your account before you see the bill. The costs of an annuity are hidden in 5 or more fees and expenses charged each year. Of course there are benefits to a guaranteed income for life. However, most agents don’t mention that you are giving up the purchasing power of your money when you hand it over to an insurer. Insurers will be earning an average of 11% a year on your cash so they, NOT you, offset rising prices. Your guaranteed income may lose HALF the buying power in 20 years because of inflation. Since your family does not receive your money, they may lose a legacy if you die early. If you need your money for medical or living expenses, the insurer takes surrender charges of up to 7% of the value out of your check.

Consider alternatives: https://www.amazon.com/Retirement-Income-Annuity-Guaranteed-Life/dp/1497337313

 

Congress allows wealthy to avoid paying any taxes

Example: Stephen Ross, who developed the Time Warner Center and Hudson Yards in Manhattan, paid no federal taxes for years. He doubled his net worth from 2008 to, according to Forbes Magazine’s annual list, by adding $3 billion to his fortune. Though the developer brought in some $1.5 billion in income from 2008 to 2017, he reported even more — nearly $2 billion — in losses. And because he reported negative income, he didn’t pay a nickel in federal income taxes over those 10 years. While ProPublica has shown that some of the country’s absolute wealthiest people, including Jeff Bezos, Elon Musk and Michael Bloomberg, occasionally sidestep federal income tax entirely, this group does it year in and year out. Take Silicon Valley real estate mogul Jay Paul, who hauled in $354 million between 2007 and 2018. According to Forbes, he vaulted into the ranks of the multibillionaires in those years. Yet Paul paid taxes in only one of those years, thanks to losses of over $700 million. And we pay Congress to legally help these people pay nothing for their subsidized life in America.

Use your tax shelter: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

 

Saving $9 a day makes big difference

Those who save early don’t need to save a lot to reach all their goals. Time is money because when money is compounded in large businesses, it multiplies like rabbits. Many readers started investing late and so tell me over and over how they wish they had started when they were younger. They help their grandchildren get started with the new tax-FREE account. Saving $9 a day, $250 a month, $3,000 a year, compounds to $2,060,000. You actually deposit $120,000 over 40 years in a low-cost stock index fund (no advisor fees necessary) and your money compounds because you reinvest the profits and dividends from the Apples, Google and Amazons of this world. You pay 0.04% not 1-2% to an advisor-managed fund, so you earn the market rate of 11% a year on average. If you pay 2% per year for “advice” about securities you lose up to 63% of what you could have earned over time, according to Vanguard’s founder John Bogle.

Try compounding: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513

 

 

 

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

 

 

Like 1776, this period is a test of democracyWe rejected an "American fascist" once

 

 

The Path to Dictatorship: 2010S-2030

 

 

The Coup is ongoing

 

Rule of law demoted

 

Coup enabler takes Fifth

 

Foreign donors paid for Coup

 

Special interests undermine our votes

 

 

How Govt wastes our money:

Supremes: taxpayers must pay for religious education (creationism) in some states?

Manchin holding up debate on Biden’s social-spending package: delay is GOP way

 

SCAMS/SPINS:

MI 15 year old school killer’s parents: “You have to learn not to get caught." Xmas gift

GOP to control women’s choice not control of gun choice: guns for Christ’s birth?

KY Massie shows future Christmas morning: it is scary compared with Christ’s message

 

Supremes are supreme liars: confirmation session promises on Roe by conservatives

Supremes confirm TX ban on abortions: no exceptions rape incest: pills not available

GOP crying about running up deficit again: 2017 tax break for rich cost us $4 Trillions

 

GA judge stops Biden vac mandate for fed contractors everywhere: GOP going for million dead

NYC private company vaccine mandate: more delayed openings

Athletes lie about vac: Rogers White fined $14,650; Brown, Edwards suspended 3 games

 

Easy to create fake vaccine news: we are persuaded so easily and 800,000 dead so far

Trump blames Biden for Covid deaths: irony of ironies: Trump: “just like the flue

Covid-19 hospitalizations have increased 40% compared to a month ago

 

Study: People in states voted for Trump are at 50% higher risk of dying from COVID

People in states voting Trump forming their own national propaganda network: fake news

Trump’s GOP working to upset GA gov voting process thru fear of Blacks

 

RECALL: Veklury Remdesivir because of the “presence of glass particulates

Drug companies pay to change Congress rules re: lowering drug prices: we lose

 

Scammers favorite ways to take your money: fake warnings, holiday jobs, fake charity

GOP dismisses pro-consumer bank regulator: fake label kills nomination

Phillip W. Conley FL caught stealing $ millions; fake ventures statements 7 yrs prison

Matthew Clason caught stealing $600,000 did errands got confidence: 30 mo prison

 

Life insurance rates to climb after 800,000 Covid premature deaths: make up lost profits 

 

CA bans gas leaf-blowers mowers in ‘24:

Gov will no longer buy your utility, phone, cable info from credit cos. Hackers get it free

Amazon’s ads have been deceiving us since beginning: gov not trace every complaint

 

Jobs

Toyota Battery Manufacturing plant Liberty NC create 1,750 new U.S. jobs.

3,000 open positions for Kris Kringle lookalikes at malls, homes and corporate events

500 LA school employees out of work: declined Covid protection

 

Shortage snowplow drivers: state agencies have to get legislative approval to up salaries.

 

Who owns your account now?

Drivers Give These 5 Car Insurers the Highest Marks: Auto Clubs, USAA need ID

Routers: best brands: Linksys and Netgear considered below average.

Google catches 2 Russkies stealing your data, bitcoins: can gov prosecute?

 

Miracles:

One-arm gymnast: “…when you practice hard and try even harder, it becomes easy”

230 skiing Santas come down the mountain

Warming may take the school house: coastal housing in jeopardy since 1950

 

Heat takes Christmas tree seedlings: years with fewer trees

Which experiences make you happy?

New Zealand makes it illegal for anyone 14 or under to smoke ever in their lifetime

 

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

MontclairNJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

 

 

Friday, September 24, 2021

The only advice you need for financial success

 

The only advice you need for financial success

I managed financial sales programs in brokerage and banking firms as well as my own company. I learned that we made things complicated so that we could take commissions and fees from product buyers that were not the best for most folks. Yes, there are special circumstances for special costly products but 98% of people don’t need them. For instance, most people waste money purchasing whole or universal life insurance with a savings component. In like manner, high-cost mutual funds and packaged products are a waste of money for most folks. Advisors won’t tell you this but Mr Buffett will. He does not need your fees. Sales people only make money with products that cost you more: end result, you earn less than you would have if you followed unbiased advice. Advisors don’t sell unique financial best buys that are tailored just for you. They can’t. Their firms would be out of business. Warren Buffett gave us the simple best advice: buy and hold low-cost Vanguard funds. He proved it by betting $1 million his choice would beat the top hedge fund options. It is time and compounding that makes you rich.

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

 

Buy life insurance when you don’t need it

Most of us don’t buy life insurance until we have someone to protect. This is not always the best strategy but it is reasonable. I bought life insurance with a saving component (Universal life) when my wife and I had a baby. I gave it up 10 years later as soon as I discovered I could save a huge expense by buying term and investing in a mutual fund earning over 12% per year. Instead of paying $250 a month for enough coverage to protect my family, I could buy $1million for about $21 a month. By the time our child left home, I did not need coverage at all (term gets expensive after age 55). I put the $250 a month into a broad market stock fund. If I had purchased the fund and term life 10 years earlier I would have had my $2 million retirement fund earlier. I could have retired earlier. I would never need the $250,000 life policy.

https://www.amazon.com/New-Tax-Free-American-Retirement-System-Reserve/dp/1461030072

 

 

Stock buying sale!

Do you really think that the US will default on its debt? Do you own China real estate for a loss? Will the economy collapse when our government (the Fed) stops propping up capitalism by selling the corporate bonds it bought in 2020? Wall Street selling on Monday despite economic growth seems just a fake news story to generate activity and revenue. Where else can investors go—bonds pay 1.3%? My September BUY light went on. Bits fell but if you own virtual money you already are prepared for speculative swings. The real economy is humming along very well—17+%. You have heard the line about ‘taxing the rich’ before and yet we are well on our way to the most unequal Robber Barron period in the history of the world. At this point, the Dems couldn’t pass a ham sandwich. Facts are clear: Bezos, Musk, and Icahn managed to pay virtually no federal income taxes at all while breaking no laws. Like the former reality TV star, they have discovered enough cracks in our system to leave the IRS impotent. They just moved their assets to places where the US can’t tax them. Since that won’t change soon enough, you should do the smart thing so you don’t get charged for their taxes. 

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

 

Is a “structured note” right for you?

Up side and down side are not clear in advance. In theory you would enjoy upside potential growth with low down-side risk. However, the truth is in the details. Call risk, lack of liquidity, and inaccurate pricing are other disadvantages of structured notes. A five-year bond with an options contract is an example of one kind of structured note. Your advisor will claim a SN gives you diversification but you have better options. Check the issuer for yourself since the seller may not share the risks with you. You may have trouble unloading a SN if you need cash fast. The issuer can end your contract anytime. Remember, no one gets paid to give you a great deal.

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

 

Are you using your retirement funds too fast?

Without the guaranteed income stream that a pension provides, baby boomers may run a higher risk of outliving their retirement savings, known as longevity risk. In fact, according to a new survey by Siliciano and Wettstein found that retirees with pensions (defined benefits) had slower drawdown rates than those without fixed payouts. The survey compared the drawdown speed of retirees, both with and without access to DB plans, at age 70, 75 and 80. At all three ages, retirees with DB plans had slower drawdown rates. The researchers concluded that baby boomers who base their forecasts on the drawdown speeds of past generations “likely underestimate” the speed at which they’ll go through their retirement savings. On the other hand, some retirees spend more early in retirement (traveling while they still can) and assume they will need less when they are older. A one-time fee financial planner can help customize a plan for your needs.

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

 

 

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

 

 

Like 1776, this period is a test of democracyWe rejected an "American fascist" once

 

 

Our Jan 6 ‘Truth and Reconciliation Commission

 

Trump ideologue Bannon planned failed Coup

 

Generals feared Trump refusal to give up power

 

General regrets being used: “Trump military display”

 

How Govt wastes our money:

Gov admits they kill 10 Afghans not terrorists bombs: drone driver can’t ‘see’ family

 

GOP helps kill over 690,000 of us, beating 1918 flu record: Will your kids be next?

 

The $28 trillion national debt rose $7.8 trillion (40%) Trump/GOP tax breaks for the rich.

 

FBI assisted hackers cost business schools hospitals $ millions: ransomware key withheld

 

Congress can’t reform police: killing beating continues with impunity shoot/taze OK

 

TX parks cars near river ‘steel wall’: but immigrants can walk around: state workers walk

 

SCAMS/SPINS:

Trump terrorists threaten reps who voted to impeach: “toxic dynamics” against family!

Capitol Police recorded 4,135 threats against Congress: domestic terror empties Capitol

McConnell: Republicans will not vote to increase the authority to borrow: bankrupt US

 

Thomas: Supremes’ politics ‘destroying our institutions’

 

Southern Baptists have hundreds sex abuse cases like Catholics: perps remain out of jail

 

TX adopt more babies: Birth choice shifts to Christian Nationalism’s cradle to grave care

TX doctor: 'I had a duty of care': we can’t let pre-Roe bad abortion deaths happen again

 

125 IU Health workers lost their jobs due to COVID-19 vaccine requirements.

 27% of health care workers have not been vaccinated: carriers make patients sicker

Anti-vaxxers send kids home from schools; teachers quit; hospitalizations jump; kids hurt

 

Anti-vaxxers won’t be around to vote Biden out in 2024: no MISS ICU beds left

Fox: 54% favor proof of vaccination in indoor spaces like restaurants and gyms

LA getting control of Covid hospitalizations: masks and vax work

 

Covid victims billed for care at full hospital prices: end to gov help, insurers want profits

TX anti-mask really aggressive: kick couple out and punch hostess in NYC: Civil War II

Unruly unmasked air passengers should be given a parachute and pushed out the door

 

North Carolina judges cancel voter ID law: right to vote “not be denied or abridged by … State”

 

Daryl Bank FL caught selling unregistered securities fraud $25 million ‘safe returns’ 35 years jail

Credit Repair Cloud Daniel Rosen caught helping firms charge unlawful fees for credit repair

It is so easy to make a fake; teens learn how to tell the real thing

 

Fake diabetes cures and claims by drug firms: will FDA letters stop greed? Bamboo cure?

FTC Complaint Against New Balance for Misleading ‘Made in USA’ Claims  

42% of Texans would vote to make Bitcoin an official currency.

 

Nursing homes with worst record of care: average cost semi private room $7,441 /month

Food  prices jump 40-50%: 14.25oz can green beans $.50 to $.69 in one week NJ store

Boy Scouts to pay $10,000 for each sex abuse case: all adults get off free of liability/jail

 

CA running out of water and wealthy keep watering

Car gadgets make us dangerous: no focus even for a second may kill

How to Avoid Being Scammed on Facebook Marketplace

 

Avoid home buying errors: a little plan saves $ thousands

 

 

Jobs

Retiree work for love or money

Alaska needs 500 health care workers for stretched hospitals

 

 

Who owns your account now?

Chrysler had over 250 problems according to new car survey: Audi,VW,Acura over 200!

Insurer to use robot and drones to settle our big claims: can you talk robot?

Tenant screening: personal details used in secret algorithms to rate you as tenant

Fed rate hikes in ’21-’22: credit cards, mortgages, auto loans go up: pay down this year

 

 

Miracles:

Anti-vaxxers flying on plane sitting right next to you: no vax mandate for Covid carriers

Trump sues reporters who claim he’s not self-made $billionaire: $413 million from Dad

Free media streaming: movies, ebooks, TV, etc

 

Columbus did NOT discover America: 22,000 years old footprints NM kids did

 

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

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