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/

 

Have you taught your child how to make money?

 

Retirement is a dirty word to some Boomers

“For the first time in well over 25 years, we see a marked decline in labor force participation of older Americans and a marked rise in the share of them that are retired,” said Richard Fry, a labor economist with the Pew Research Center. But many Boomers just can’t let go of their ‘babies.’ Other goals/pursuits/hobbies need to be explored to make the transition. The hard part: “That whole process of thinking about work on the way to work, of planning mentally your day.” Some of us have had to plan how much we can spend and how we want to spend our time. We need to consider our costs for a longer period of time in retirement since we are living longer. Some of us are still paying off our mortgage. I found the Retirement Nest Egg Calculator useful in determining my asset composition for long-term spending. I know how much of each group—stock, bond, cash—I need to hold in order to sustain my income for 30 more years, including inflation.

My plan gives me confidence: https://www.amazon.com/Your-Retirement-Income-Checklist-TrumpWorld/dp/1544703260

 

Living beyond our means: walking a tightrope without a net

Most of us are living paycheck to paycheck, according to a recent survey. Where are you in these findings?

• Incomes of more than $100,000: 42%
• Incomes of $50,000 to $100,000: 66%
• Incomes of less than $50,000: 77%

It seems the more we make, we still live dangerously. If we have an emergency expense or are laid off, many of us will be facing hard choices. Many households have only one paycheck coming in. This makes life even more precarious. Contrary to the industry advice, you don’t need an expensive advisor to build a financial safety net. All of us have access to a savings account or a home money jar. About 40% of us are paying our bills on time. That means we are not wasting our cash on up to 24% bank card interest. That may be your first task—reduce your outstanding balance so if there is an emergency, you can ‘charge’ it. Second, saving or investing in an account at work may help you get over the monthly savings ‘wall.’ You don’t have to save what is left after your check is spent. Each $100 you add to your employer 401k or other pension account comes out before you see it. And it saves you current taxes. You may even be given a FREE money match. If your job does not offer this account, you can make your own tax-managed account online or at your bank. The trustee for this account can help you save by automatically debiting your checking account monthly. You don’t have to face the savings ‘wall.’

Start today; feel safer: https://www.amazon.com/Get-What-You-Want-FINANCIAL-PLAN/dp/1514751151

 

New American Retirement System: $2,000,000 Tax FREE

Create a $2,000,000 tax-FREE Retirement System. Use the best legal tax shelter: no taxes . . . ever. Tax-favored over a 401k even with 6% match* Protect your family and assets with your System. Borrow from your System to pay for large purchases. Buy whatever you need without going into debt to others. Self-insure manageable risks—invest the premiums saved. Buy financial services wholesale--save $3,000 a year. Manage your System in 1 hour per year. $2 million can produce $160,000 a year in retirement. No income taxes—spend it all. What is the hitch? You have to buy low-cost stock index mutual fund automatically every month. You can’t trade or stop investing. I will help you set up account on the phone: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

 

Have you taught your child how to make money?

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. I have used this 'Wealth Reserve' as I call it to have funds to use low-cost insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a monthly in retirement supplement. Now your child can build an account that provides tax-FREE retirement income too.

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

 

 

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 aged 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

 

Insurance agents balk at providing full disclosure products

Insurance agents are suing the Labor Dept because they will be required to become fiduciaries to sell annuities to retirees. The fiduciary rule requires them to explain how they get paid, makes them liability if the annuity increases investor risk and may end their commission-based compensation arrangements. Agents fear having to disclose their conflicts of interest in pay from insurers and third parties. A fiduciary must provide the best product for the client which usually means lower rewards for the seller. Agents claim they will not be able to afford to sell annuities to working people since simple fees are lower than complex commissions: Some agents are paid with an advance on part of the client’s earnings over the 10-12 year future. Thus clients earn less than they would have. This is usually not disclosed in the traditional annuity sales process. Only later do client’s find out. Then they are charged 1-10% to get their money back. Insurers are lobbying Congress to force us to put our 401k nest egg into an annuity when we retire.

See alternatives: https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019

 

 

 

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

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

 

Trump & lawyer criminal conspiracy probe

 

Don promises 2024 GOP takeover

 

Don and Tucker support Putin’s fantasy

 

Trump’s ‘genius’ bombs schools, orphanages

 

Ukraine: ‘I need ammunition, not a ride’

 

 

How Govt wastes our money:

Do you really want to give your face to the IRS? Facial recog not wise. Hackers rejoice

Sanctions: just talk: Russian biggies $ billions not touched: ships, homes, firms left alone

Putin hides all his assets from Biden just like Trump: “only the little people pay taxes”

 

Congress Made Sure the Rich Retire in Luxury—at our expense: we pay their subsidies

GOP actually takes meeting with president’s nominee for Supremes ,,, unlike last time.

Congress keeps vital drug like Insulin high to please drug makers: hospitals to make own

 

Oil/gas firms pay GOP committee blocking Fed control of inflation/money: GOP chaos

Our government approving medicines before shown they work: making us guinea pigs

 

SCAMS/SPINS:

US does not need Putin oil but oil producers raise price already

BP divesting its 20% stake in a Russian state-owned oil firm Rosneft

Russia could use crypto to circumvent the effects of sanctions

France takes Putin’s bud’s boat: $ millions for Uk rockets to kill Putin’s tanks

 

Ukraine asks for EU membership now; EU has been silent before

UN peacekeepers: where are they when Ukraine needs to deter Putin from mass kill?

 

MORE: Ukraine’s recent polio outbreak and a potential resurgence of tuberculosis.

War crimes: Putin using cluster/vacuum bombs on schools, homes

US ‘donating’ drones to attack Putin’s convoy: US ‘advisors’ may help with logistics

Japan Special forces volunteer to fight USSR-minded Putin’s troops

 

FL ex-cop kills father who texted daughter during movie previews: cop: “feared for his life”

Another ‘no-knock’ night raid killing by police: police not at foult

 

How to buy a car when selection is slim: few new cars and high price used

Honda Tesla cars: randomly slam on the brakes for no reason—No safety standards

Beware: Car illegal repossessions up: no chips, used car demand, big resale profits

 

New York's attorney general lets Trump skate through questions of crime: gets off again

Scammers come in all forms: research before fall in love

Homeowner $3,708 scam: FAKE: No program to give homeowners money

 

Cambridge Investment Research caught overcharging fail conflict of interest

Roger Ng Goldman Sachs caught stealing $ billions from Malaysian fund: ruin GS image

Richard Hoffman AZ caught Ponzi crypto-loan (mafia-links) money-laundering scheme

Ameritas caught selling more expensive funds to get kickback: failed fiduciary label

 

Baseball’s millionaires fight billionaires for more: ticket price$ exclude working folk

Movie tickets up: variable pricing at some: pick your time wisely

All these products were recalled: dangerous falls, burns, crash, etc, etc

 

Hershey candy caught using non-food ingredients (Whole Foods) no more joy

Fake fake fake: how we are mislead by photo tricks: PhotoShop any photo to mislead

TX school officials are violating the First Amendment by removing books from libraries

 

Credit reporting agencies used as a tool to coerce and extort patients on medical bills

Supremes hide how we torture people: protect ID of torture contractors

 

Unmasking for the new plague mutation BA.2?: 959,000 dead

 

Are doctors running ‘pill mills’ and pill makers pushing more distribution ‘drug lords?’

 

Jobs

Protect and serve: knee-to-neck move “to save his life.”

Hourly rate for a babysitter leapt 11% in 2021 to $20.57

Average hourly earnings rising only a penny to $31.58

 

Who owns your account now?

First Horizon, TN to Toronto-Dominion Bank

Best pet insurance ratings: Embrace Pet Insurance

IRS changes our legacy beneficiaries: our designated beneficiaries may be disregarded

 

Vehicles that save you money: 200,000+ miles: engineered to last

 

Miracles:

NYC DA runs on sending Trump to prison then immediately folds: mafia got to him?

Driver run over by military vehicle: driver, not car, survives

CA driest January and February on record: drought in the snow

 

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/

 

Unbiased financial leaders say use a fiduciary not advisor/broker

 

Flaw in ban on Surprise Medical Bills

If you have a medical emergency, you will no longer need to worry about a large bill from a doctor you did not choose—MAYBE. The 2022 “No Surprises Act” is supposed to protect us against most surprise out-of-network medical bills. For Good Samaritans who donate organs this has always been the rule. However, because of the complexity of dealing with 4 or more institutions regarding medical procedures and their medical billing procedures, you may get caught in a fight with bill collectors they sell the ‘receivables’ to. (Remember, bill collectors get paid to collect the debt they purchased, not to correct a mistake a previous institution made.) Also, know that our Reps gave some providers’ lobbyists a break in which charges are exempt from the law. The ambulance industry CAN charge you even if you didn’t pick the one the in-network institution uses. Another example: I just got a bill from a provider I did not pick. My doctor immediately called in his favorite X-ray person in the same building to do my X-ray since I was in need and the machine was down the hall. So in our medical system, each entity that provides something; anything; that can be coded (an aspirin, X-ray, swab kit, glove, cold/hot pack, etc etc) will add to our bill. If you look at your hospital bill, you will be shocked to find an aspirin can cost $30. If you insist on brand Tylenol instead, it costs more. A trip to the hospital can cost more than a bomb the Air Force pays to arm its fighters.

 

What we regret most

Regret: I wish I had done something or not done something in the past. In The Power of Regret, Daniel Pink asked 16,000 in 105 countries about their top regrets. People regret not building a strong foundation — that is, not saving money early, not being prudent," Pink says. "With financial regrets, they're less about not hitting a home run and more about not regularly getting on base." It is TIME in the market not brilliant advisor stock picking that builds wealth. No advisor can be right all the time so in the long run, you lose more than you gain. The average advisor-managed account earned just 3.79% vs 11% for a pure low-cost stock market index fund. It is the high fees and bad market timing that ruins your investment plans. Starting early, using your average tax refund or $250 a month in a low-cost stock index fund like Warren Buffett recommends provides your best chance of providing an above average retirement income.  

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

 

Why unbiased financial leaders say use a fiduciary

A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients' interests ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other's best interests. This is the kind of person you want to handle your money and life choices. Otherwise you become an ongoing meal ticket for a salesperson and their firm’s owner. Fidelity owners, the Johnson family, have a net worth of 36 Billions. They did not get to that level working 9 to 5. They take fees every year from your savings and investment accounts (if your money is at Fidelity). On the other hand, Vanguard Group of funds is owned by its investors. You get financial products and services at cost: No middle person fees and charges. Low-cost stock index funds, like Warren Buffett recommends, provide you with your best chance of gaining an above average retirement income. Earn market rates of return not the Johnson’s rate. I don’t work for Vanguard. I moved my money from Fidelity because I earn more at Vanguard. They just cut their fees again—Target Retirement Funds—1/5^th the cost of others. I keep more!

Buy at cost and save: https://www.amazon.com/Fiduciary-Rule-BEST-dont-anymore/dp/1530980275

 

Another way wealth people make us pay their taxes

Passing on $ billions tax-FREE to the kids who never have to work and contribute to our society. Shale King Harold Hamm Is Passing Billions To His Heirs Tax-Free. If the kids don’t pay taxes on their $2.3 billions, we will be stuck paying for the courts, highways, airports, and armed forces they depend on. His lawyers carefully structure transactions so they benefit heirs but aren’t technically gifts at all. Thus no gift or estate taxes are paid. Yet he controls the company that provides the wealth. Filings show Hamm used an LLC and more than a dozen different trusts to complete the transfers. Phil Knight used a variety of techniques to move billions of dollars to his family tax-free. Eric Yuan transferred $6 billion worth of shares to unspecified beneficiaries for “estate planning” reasons last March. Late casino mogul Sheldon Adelson shuffled shares of Las Vegas Sands Corp. in and out of more than 30 trusts to pass along at least $7.9 billion to family members. Cosmetics heiress Jane Lauder became an overnight billionaire in 2013 when she received L’Oreal SA shares worth more than half a billion dollars. Our so-called ‘representatives’ wrote the tax laws that let them pay NOTHING. You have one way to avoid paying THEIR taxes.

Use your legal tax-FREE account: https://www.amazon.com/Your-Wealth-ReserveTM-Tax-FREE-Investment/dp/1484954882

 

If you earn less than $100,000 a year, start investing NOW

The only way to have enough income in retirement is to start early. Why? Because most working people need time for the Miracle of Compounding to accumulate a large nest egg. It takes large contributions or a long time to have enough retirement assets to live on later. For instance, investing $250 a month for 35-40 years will provide a retirement income of about $45,000 for 30 years. You would need to triple that—or invest $750 a month—if you only have 25 years left to invest. If you wait to start, you will need $2,500 a month for 15 years to reach your goal. This assumes you can earn 10% a year on average in a low-cost stock market index account. This is the type recommended by Warren Buffett. If you rely on a high-fee broker/advisor, it may not be possible to reach your goal at their average of 5.19% annual earnings. Low cost beats high cost over time.

Use the Miracle of Compounding: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513

 

Take all your special 2021 credits to offset taxes

2021 was a difficult year for most working Americans. 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, experts say. Tax credits are dollar-for-dollar reductions in a person's tax liability, versus deductions that lower a person's overall taxable income. 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!

https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

 

Social Security is the best annuity available

Insurance companies make a lot of money from annuities because you receive less than you invest with them. Yes, you are guaranteed payments for the rest of your life but unless you pay more now, your benefit will be cut by inflation over time. That means you receive less and less each month in buying power. At current levels of inflation your benefit will be worth about HALF the current payments in 20 years. Compare SS benefits: annual inflation protection—in 2022, benefits were increased by 5.9% at no extra cost to you. There is no policy charge, commission, admin fees, surrender charges, mortality expenses, investment expenses, or inflation rider fee. You can also create a low-cost income stream like an annuity to supplement your SS benefits.

Use the best: https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019

 

 

 

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

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

GOP guarantees itself a win

 

More subpoenas

 

 

How Govt wastes our money:

Ukraine the new Korea? Putin takes HALF (East of Dnieper) to save face at home

100 more incidents involving counterfeit parts in nuclear power plants in 2021

Manchin’s political veto gives friends $ millions in lobbying fees: making them wealthy

 

GOP asks truckers to come block highways in US: Putin hacker firm invites chaos

Another costly vacation: House returns to work Feb. 28 after Presidents Day recess.

IRS Adds Four “No Rule” Areas for Trusts Estates: wealthy avoid taxes; we pay their tax

 

 

SCAMS/SPINS:

WI Trumpers ban ballot drop boxes: WI supremes help GOP win elections

TX rejects thousands of ballots for primary: GOP secures win before election

Billionaire pays to oust GOP reps who voted to impeach dictator Wannabe: follow cash

 

Two MS whites chase Black FedEx driver in truck: 5 shots: another hate crime?

CA deputy shot Black homeless man in struggle for jaywalking arrest: no charges

FL former cop kills man in phone-in-theater dispute: ‘stand your ground’ defense

 

NYC employees comply with vaxx mandate or face losing their jobs: 940,000 dead

Employees don’t fight mandate for driving, guns, seatbelts, recycle, dog poop, taxes, etc

500 unruly passenger incidents first six weeks of 2022: GOP cancels US do-not-fly list

Is Putin trying to divide us again: fake Trump letter, fake crops, fake food supply chain

Zero Hedge, 1.2 million Twitter followers, published Moscow propaganda as truth

 

Volvo now owned by Geely, Chinese billionaire business magnate Li Shufu.

Fake ‘vintage’ goods sold are really new: ads for fake vintage stuff: get nothing

Russell Joseph Mutter caught $3.3 million financial fraud, fake statements 16 yrs prison

Mark Boucher, CA, caught stealing $2.2 mil by forging signatures, wire transfers, etc

Kenneth A. Welsh NJ caught stealing $1.9 mil fake wire transfers; arrest

CO elections clerk is sued after passing on voting data to groups behind disinformation

 

 

Royals pay up for Andy’s sex with minor accusation: it’s good to have Queen behind you

 

Hertz caught getting car renters arrested after mistakenly filing stolen vehicle report

 

Football $ 1 billion online gambling boom changes fans into transaction action addicts

NFL censured Super’s half-time show so some wouldn’t be offended: listen carefully.\

Email from Chase: review your contact info: but I don’t have a Chase account: scammer

Scammers reach $800 average take: can you spot them coming after you? Gov can’t

 

Chrysler now ‘Stellantis’ recalls 19,808 plug-in Pacifica Hybrid: charging fires

Tesla sued for killing driver when it ran into fire truck by itself: blinking lights attract

Sandy Hook families win $73 million vs Remington but Remington is bankrupt!

 

 

NFT marketplace shuts, citing 'rampant' fakes, plagiarism; so much for online only views

 

Trump and his two eldest children must comply with AG order to testify: take 5^th 500 X

Trump’s accountant: his businesses cooked the books, “inflated property values”

 

Trump threatens Clinton advisor with death for spying

 

Jobs

The adverts without the football on Sunday: vote on your favorite: $7 million/30 sec.

Some jobs can be done from anywhere if you have the right training or attitude

Citigroup head got 32% increase to cover inflation years in advance: live on $22 mil?

 

Least cost accredited college degrees: MBA, M Ed, MSIT

 

Who owns your account now?

Insurers push Congress to allow annuities as investment’s default: high fees cut earnings

“Americans can exercise Constitutional rights without hiring high-priced lawyer or lobbyist”

Investors not families buying up homes in critical areas in each city

 

New tax we paid to gambling industry: 2021 the highest-grossing year ever: $53 billion 

4 free Covid tests sent to your home: https://www.covidtests.gov/

Some student loan cancellations: fraud rampant in some: DeVry  ITT Technical Minnesota Business/Globe .

 

Miracles:

February 12: 49* at 8 AM northern NJ. Forty nine going to SIXTY! Warming?

Western US draught worst in 1200 years: hottest superbowl ever

This is how royals cut cake: stab down like killing a vampire

 

Space weather took out 40 SpaceX satellites: don’t look into the sun directly

Skaters using drugs OK as long as they use own script and grandpa’s and under age

MIT makes $4 water desalination machine: fresh water for the world

 

Eastern cities hit regularly with costly floods as sea rises faster next 30 years

Flowering plants multiplying in Antarctica as the climate crisis has warmed the summers

Woman Appears to Be Entirely Cured of HIV

 

 

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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