Have you decided
what to do in your ‘next life?’
If you are 60 right
now, you have a roughly 50% chance of reaching age 90. That is 30 years! 30
years qualifies as another ‘life.’ If you don’t
need to work, you need to make an important decision instead of just taking
‘one day at a time.’ You
can make a valuable contribution to your community, business or whatever you
chose. I do taxes for the AARP tax prep program every year. I love helping
people get over their fear of taxes. Some actually take me seriously and do
their taxes themselves. I volunteer for other community activities depending on
the need and my interests. Those projects are a choice and I am glad I made
them. I could have chosen to travel a lot or work in retirement but those were
not in my interests. We have chosen to live as homeowners and not renters,
which takes a lot of time maintaining and upgrading a property. I am currently
helping my daughter get her new business interest going. I write and
publish stories, books and a blog so I have
than enough to keep busy. Of course we maintain our ‘constitutional’ by walking
or hiking every day. Health is important to my family and we are blessed by
have longevity in our family history.
Make a plan for you
‘next life’: https://www.amazon.com/Your-Plan-Live-to-Age-100/dp/1548180793
Is now a great time
to invest in a Gold IRA
The problems: an IRA
is for long-term investments that grow tax-deferred and are then taxed as
income when the account is distributed, presumably at a lower tax rate. IRA
accounts do NOT protect your stock capital gains when you start withdrawals.
Thus you do not take advantage of the lower taxes on gains—you are converting
the gains to income which may be taxed at a higher rate. Gold as an asset has a
poor long-term growth potential because it is considered a speculative
commodity. It is NOT a ‘safe’ investment for retirement since a gold fund or
ETF will earn less than the cost of inflation. Stocks have averaged 10.43%
annual total return between 1970 and 2022, according to an analysis by Securian Asset Management. Gold had a 7.7%
return over the same period. Gold has wild swings in value like stocks. Real
returns (after inflation) for stocks are 6.47% vs 3.74% for gold. Only
stocks have provided the buying power for your retirement (AFTER inflation
is subtracted). Stocks pay dividends. Stock capital gains will cost you less in
taxes than those in an IRA when distributed. Fear not company growth drives
gold investments.
https://www.amazon.com/Money-Ball-Investing-Winning-unfair/dp/1548831409/
Annuities you may
not like
The single-premium
immediate annuity provides a stream of payments to support your retirement
fund. However, you give up control of your money so if you needed the money
back, it would cost you up
to 10% of your balance. Also, this contract may not provide a death
benefit to your heirs so if you die before you have received all your
account balance (including any accumulations), they would not receive anything.
There are variable annuities that put your money into an investment that might
lose money. Over long periods, this is unlikely but you are not guaranteed your
money will grow. Some annuities are sold with high fees and charges that may
not be disclosed completely at purchase. Over time, 2-3% total costs can
destroy your income expectations from the product. In a variable contract, your
costs can exceed your earnings. There are many companies and many different
annuities. Some of the most expensive and poorly structured contracts are
offered by what are called captive financial institutions. If you are dealing
with an agent of this type of seller, you may pay more for the worst annuities.
Your agent is being incentivized to sell the institution’s products instead of
recommending a better option from a different financial institution. Your
independent agent should shop around for the best deal for you not them.
Alternative: https://www.amazon.com/NO-Cost-Annuity-Years-Income/dp/1508487308/
Advisors use
different words to sell “annuities”
Advisors entice us
with the promise of a guarantee income so that we can maximize our Social
Security benefits. As we know, if we wait to start SS benefits, we will receive
a lot more for the rest of our lives. An annuity is a costly way to provide
this short-term income that works like a pension. Advisors hear “annuity” when
we say we don’t want to be a burden to our family later in life. With a
guarantee income for life, we can feel like we keep our freedom and dignity. There
are better ways to maintain our freedom. Most annuities keep our money if not
used. When we say we are afraid of running out of money, an advisor
promises a lifelong income annuity. However, this guaranteed amount can be cut
in half by inflation before you use up your money. When you say you must make sure
you can cover expenses, your advisor thinks of guarantee lifetime
payments. But the amount of each payment may be reduced by inflation. There are
ways to increase the amount to outflank inflation. When you say you want to
leave a legacy to take care of your family, the seller of annuities has
the perfect answer—an annuity can have a death benefit rider. This death
benefit costs more than a tax-free mutual fund legacy. When you die your
account passes tax-free because of the stepped-up basis for tax purposes.
Finally when you fear the effects of inflation or market drops, the
advisor proposes having a guaranteed tax-deferred lifetime income. Sounds good
but an annuity may not provide the LEVEL of income you need as you age. Stocks
are the best guarantee to beat inflation over time so we must use some of our
portfolio to stay invested in the market and some to provide enough income to
cover our expenses. We can create a guaranteed income plus build our wealth: https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573
********ACCOUNTABILITY**************?
Like 1776, this
period is a test
of democracy—We
rejected an "American
fascist" once
The
Path to Dictatorship: 2010-2030
Parallels of this era in the past
may hint at our future: democracy breaks apart legally
Billionaires
paid $881 million for votes in 2022
midterm elections
Nov 2020 Wealthy
discredit election process
Jan
6 2021 Direct
govt overthrow failed: guns
& bombs ready
Trump
engaged in a "criminal
conspiracy" to stop Biden
“I
don’t f—ing care that they have weapons”
Trump was “detached
from reality”
Trump
used mafia-style intimidation on the defenseless
Trump still terrorizing
election woman
Parscale: “a
sitting president asking for civil war.”
Trump:
“Just
say the election was corrupt and leave the rest to me”
GOP fascism: “RINO
hunt armed; no bagging limit” J6
comm threat
January
6, 2021 “A
date which will live in infamy”
Trump’s Supremes END
personal rights & state
laws except for weapons
WMDs
Fascism: GOP
to stop women leaving state for abortion
It’s
not a court. It’s a junta: Two Americas
Trump: President
Biden is 'enemy of the state'
Christian
Nationalist Party (CNP) replaces
GOP
Apr 9 Illustrated
Anne Frank book removed by Florida school
Apr 21 Trump: “I
am your justice”
May 9 Trump
guilty of sexual abuse
Jun 8 Trump
indicted by the United States of America
Violation
of the Espionage Act
Conspiracy to obstruct
justice
Making false
statements
Conspiracy to defraud the
Conspiracy to obstruct
Congressional proceeding
Obstruction of and attempt
to obstruct an official proceeding
Conspiracy against right to
vote
Attempted coup
d'état by
any other name
Trump and His Gang Get the Mob Treatment
Aug 4 “IF
YOU GO AFTER ME, I’M COMING AFTER YOU!”
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
Jan 2025 Dictator
pardons himself: his Supremes agree
How Govt wastes our money:
IRS delays to 2026:
IRS plan to snag tax
cheats with crypto Broker
5
Tax Benefits of Owning Overseas Property for Americans: we pay their tax
bill!
SCAMS/SPINS:
Mario E. Rivero NJ
caught fraud: stealing
$680,000 promised services but not registered
Biggest
rip-offs targeting seniors: scammers go after the trusting with money
hack
exposed personal information of 61,000 TD customers.
Mullen accused
brokerages: facilitating naked
short selling and damaging the stock price.
Dictator vows to lock
up political enemies if he returns to White House
“In the end, they’re
not coming after me. They’re coming
after you” Trump
as our savior
Every
GOP debate candidate signed up to vote for Trump: voters have no choice
Only 1 co-defendant
denied bail—the only
Black man serves jail time without conviction
Giuliani
guilty of defamation of 2 election workers: fine + workers’ legal fees
House conservative
GOP flirt with shutdown: ‘So be it’: GOP
not living on SS benefits
Trump lawyer-racketeers
claim “just
doing my job” did not work for Hitler’s lackeys
Cardinal Theodore
McCarrick incompetent
to stand trial of sexually assaulted teenager
Dispatch's AI-generated
sports stories criticized for their robotic style and lack of player names
STOP:
Dr.
Berne's MSM Drops 5% Solution and LightEyez MSM Eye Drops - Eye Repair
10 Cars That Will Likely
Break Down After 100K Miles: costly repairs
Avis caught denying
rentals to those without credit cards: fine
Ford recalls 42,000
F250 and F350 trucks because rear
axle shaft may break
Parmigiano-Reggiano
in
Some stores refuse you a paper receipt: insist on
email/phone info
FL’s SAT
Replacement Exam Christian Nationalism, Woke Propaganda: students hurt
Jobs
UPS: some drivers earning $170,000
pay and benefits by end of the five-year contract.
Tech skills and tech trends: where
new jobs come from—be prepared!
Top 15 College
Majors for Good-Paying Jobs
Who owns your account now?
Help paying
for a funeral
10
drugs Feds try to lower the price in negotiations: 20%
Part D expenses
8 Reasons to Avoid
a Roth Conversion: experts Ed Slott and Jeff Levine
Spending
on pleasure boats continues to hover near remarkable highs
Student
loan interest begins 9/1: apply for Biden’ Saving Valuable Education
Rules for tax
benefits of buying a clean
vehicle
Miracles:
Our
Congress representatives to elect a Racketeer as President of the
Bariatric Surgery
for Type 2 Diabetes: remission
Robot
saved a patient from an inoperable tumor: doctor would not do it
Study shows most
accurate way of identifying
dementia risk early
Paralyzed woman speaks again with
help of her own AI avatar: brain
waves
Pope: ‘backward’
conservatives in US Catholic Church have replaced
faith with ideology
Longest
alligator ever to be recorded in
@
Our Universe is Mind-Blowing
Light is both
a particle and a wave depending on how we look at the light.
I
don’t think that there is any such thing as a position or a velocity of a
particle.
Everything (galaxies
to stones) in universe made of subatomic
energy ‘vibrations’
A subatomic ‘particle’
is the smallest possible vibration (quantum) of a quantum field.
A ‘particle’ is an event;
not an objective thing. This event is set of complex relationships.
Mass–energy
equivalence: E=mc^2. At the smallest
level; Everything is moving
Energy into matter: scientists
converted light energy directly into matter in one step
In place of atomic
lattice, light
waves used to create an optical lattice with same geometry
Physics Nobel Prize:
“entanglement” 2
particles share info instantly at a distance
Quantum
mechanics violates local realism: two objects behave as single system at
distance
“It may be that gravity and quantum mechanics are
exactly the same thing,” Leonard Susskind
Gravity
might induce the collapse of quantum vibrations into 1 quantum state—our
world
Strange state
of physics that allows energy
to flow frictionlessly through a material.
Bending light from
extreme gravity reveals largest black hole
so far
Curved
SpaceTime: heavy masses and simultaneously quantum effects become visible
There is no TIME at this
level because of force fields come and go in all directions.
Universe expanding: events
may not come together like they did before: created our time.
Our planetary
system: rarest
system: only 1% of all systems with same number of planets
Stars fueled by the self-annihilation
of dark matter might have been spotted for the first time by JWST
Inside protons,
neutrons, it
is the fields of the virtual particles that creates its mass.
Gold
made from neutron stars: collisions produce more neutrons:79 protons,118
neutrons
The proton
is so complicated science still finds new energy entities/forces every
year.
“Empty space is a boiling,
bubbling brew of virtual
particles that pop in and out of existence in a time scale so short that you
can’t even measure them.” Space expanding.
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.
Scientists
build 'baby' wormhole as sci-fi moves closer to fact: inside quantum
computer
starts-with-a-bang/universe-expansion-not-accelerating/
Physicists knew black
holes eventually disappear particle by particle. Now they think everything
else does, too.
Astronomers
discover raw
materials for life are present all across the Universe: methyl cation
@
We can apply for
Medicare online: https://blog.ssa.gov/apply-for-medicare-online
We can apply for Social
Security online: https://www.ssa.gov/benefits/retirement/
We can apply for
health care online: https://www.healthcare.gov/
IAN
973.746.2014
http://www.theinsidersguides.com/
Alerts available at http://dankeppel.blogspot.com/ No AI used in these comments
