Where is your long-term money?

 

Where is your long-term money?

S&P 500 hit 16.52% June 30, 2023 may pay returns over the index average of 11% over time. This means your money doubles every 7 years. If we invest $3000 a year we have $1.3 million in 35 years. If you give your money to a broker/advisor, the total costs can erode up to 63% of what you would have had. Unfortunately, most people believe they need a sales person to manage their long-term funds. However, the costs are not always evident so the average managed equity funds earn just 3.79%. Because we give our money to financial services firms, our money provides only $230,436 after 35 years of investing $3,000 each year. Most people are now looking at a less favorable retirement because they overpaid for terrible service. Many folks believe their financial helper kept them from losing big in the markets. Only those who moved to index accounts know they were overpaying for financial advice. They used a fee planner to answer their questions—paying $7,500 fee as needed instead of $1,069,564 in total annual costs. Since advisors doesn’t know which way the market will go,

GO with Warren Buffett’s FREE advice.  

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

 

Is home insurance hard to find in your area?

CA and FL targeted for fewer underwriters of home insurance. Insurers don’t want the risk of fires, storms and floods. So how do you find coverage? As soon as you receive a non-renewal letter, take note of the date when coverage will end and start searching for an alternative. In high-risk markets where some insurance providers are opting to leave, a special carrier may provide the coverage you need. The policies may be more expensive than those offered by other companies. Many states provide state-backed homeowners insurance, to replace or supplement private coverage. In Florida, it’s called Citizens Property Insurance. In California, it’s the FAIR plan. Louisiana, the Carolinas and other states have similar insurance options. In the case of California’s FAIR plan, these policies can cost more than those of more traditional insurance policies. Well-maintained homes are more attractive to insurers because there’s less risk of a peril like bad weather. The only way to know if you're getting the right coverage and rate is by comparing what each company offers and choosing the one that best fits your needs. Since policies are complicated (even for the lawyers who write them) an independent agent can be helpful. You may reduce the premium by increasing your deductible to an amount you can afford to pay. Some folks use their emergency funds for this purpose.

https://www.amazon.com/Homeowners-Insurance-Beware-Coverage-Policy/dp/1480100870/

 

Did you plan for your life expectancy to rise with age?

A significant share of older Americans underestimate how long their retirement is going to last. Most people know that the average American lives to an age between 75 and 80. Less well known, apparently, is that life expectancy rises with age. Confusion over human lifespan complicates the business of planning for retirement, a phase of life for which many Americans are already underprepared. More than two-fifths of baby boomers have no retirement savings, even as the postwar generation enters retirement years, census data show. The median boomer household held $134,000 in retirement savings in 2019, according to a NerdWallet analysis. People approaching retirement wrongly assume that stock market volatility is their biggest financial peril, economist Gal Wettstein said. In fact, the far greater risk is “living so long that your money runs out.” According to an AARP analysis, nearly half of Americans have no access to retirement plans at work, especially at smaller firms with fewer employees. The National Council on Aging offers an Age Well Planner. Many retirees agree: not saving enough, SS benefits too small and extending debt. 

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

 

Is the auto-IRA retirement plan right for you?

This plan is available in 19 states for private-sector workers. A growing body of evidence shows that the development of these programs is already having a positive effect. Even workers who don't start saving until later in their careers can benefit by delaying the age at which they claim Social Security. According to one study, these auto enrollment offers increase the probability that any given individual in a state works for a company with a retirement plan by roughly 3%, while the probability that the individual participates in some kind of savings arrangement jumps by 33%. Today, some 55 million wage and salary workers between the ages of 18 and 64 lack access to an employer-related payroll deduction plan. Workers without such a plan could use a private-market IRA to save, but few actually do, especially among those of modest means. Claiming SS benefits at age 70 instead of 62 provides almost double the amount per month. Older workers using these auto-IRA plans could bridge the years to the higher SS benefits. Taking early Social Security benefits will just not be enough.

Create your retirement supplemental income: https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224

 

How will you convert your retirement nest egg into income later?

Most retirees know how to create retirement assets but have no idea how to receive a lifetime income from the assets. Advisors usually talk about an insurance product called an annuity—you pay a lump sum in return for the insured monthly payments. This product is the most expensive method of creating income but provides a guarantee that retirees love. However, besides the high costs (high commission to advisors too), you give up a sizable portion of your premium if you need money in a hurry. Plus most annuities will keep your premium and earnings if you die too early to receive the full account amount. Recently, Congress has given the green light to insurers to sell a plan making an annuity an option for employers to give retirees when they leave. Thus your employer does not have to contend with closing your 401k and 403b accounts. Nor do they have to explain other options for your retirement income.

Consider other options: https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573

 

1^st summer job for your teen?

Teach your kin about the smart way to save and invest—start from their first job. Their life will be greatly enhanced if you show them investing is not gambling or buying the one stock that will make them rich. This is especially true for your female offspring. About a third of women (32.6%) say they never learned about saving for retirement, according to separate research by TIAA and Emily Oster, an author and professor of economics. A disproportionate percentage of the workers laid off recently appear to be women. Investing is a habit that can be automated so they do not have to think and write a check monthly. Most young people want to buy everything else before they even consider investing part of their pay. You have to let them know that it is TIME not timing the markets that wins. Most first time savers are not persuaded by a retirement goal. So you have to make it clear that regular investing of $100 a week will allow them buy a car from their savings/investing account worth about $25,000 in just 4 years.

Every young person needs a car: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

 

 

?**********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

 

 

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 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

 

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 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

We’re Building Things Based on a Climate We No Longer Live In

NASA's plan to return samples from the surface of Mars cost an estimated $9 billion.

Tax rates change July 1 in some states

“Both parties prefer gridlock because both believe it reduces risk of losing next election.”

 

SCAMS/SPINS:

Leonard Leo a conservative spent $1.6-billion via a nonprofit to sway Trump’s Supremes

Trump’s Supreme Thomas “affirmative action ‘critical’”; “race-conscious” admissions fail 

If religious belief allows 1 owner to discriminate, laws are negated by religious choice

 

Scam using IRS letter: notice “in relation to your unclaimed refund” asks photo ID

Anthony Liddle WI caught $1.9M Ponzi Scheme: fake reports of low-risk investments

Hightower Securities caught alleged violations of rules in selling alternative investments

David Ray Barnes TX caught selling unsuitable energy, real estate, financial securities

 

Trump-appointed judge’s ends coordination between gov and social media companies

Trump indictment (sharing national secrets) helped him raise $35 million for ‘24

 

GOP faked designer complainants in Supremes’ case religion backs mass discrimination

 

School guard with gun need not keep kids safe if afraid: didn’t enter to look for gunman

2 dead 28 shot MD street block party; shooter left

4 students killed DC school

3 dead 31 shot in IL; shooter drove off

 

5 dead 2 kids injured PA:  50 rounds from man in vest; now arrested

3 dead 11 shot TX “large crowd gathering" in the parking lot

9 Shot, wounded in Washington, D.C.: SUV seen driving away

 

Is nation where bullets fly at schools, parties, parades really free?

 

DeSantis takes over landlord-tenant relationships and agreements: rents run by state

Judge blocks DeSantis’ election law as unconstitutional

 

Homebuying Myths: what NOT to do

 

Many online product reviews are fake: take account of all reviews

Multivitamin daily does nothing for long-term memory

Aspartame can cause cancer: diet drinks need new subsitute

 

Oregon's ‘Live’ 95.5 uses a cloned human voice to host segments: end of human world

Delaware Giving Companies Right To Vote Raises Legal Questions: why bother voting?

 

Maternal mortality rates more than doubled: 1999 and 2019

 

Jobs

Happiest Jobs of 2023: Top 5 Most Fulfilling Careers

Part-time money flipping items you know value of

Over the past 15 years, nonprofit employment has grown 33 percent

 

Minimum wage $7.25 (2009) would be $10.24 if adjusted for inflation: we are losing

For the 1^st time, Black workers just as likely as Whites to have jobs

 

Who owns your account now?

File your 2019 tax return refund claim by July 17 deadline 

Big profit from unclaimed packages: 7 sites

Our average debt is over $54,000: cards, mortgage, cars

 

Forever Stamp will climb from 63 to 66 cents on July 9, a 5% rise: 2^nd in 1 year

Best New Car Models for Quality: JDPower best by type

 

Miracles:

Electric flying car approved by FAA; company now accepting preorders $300K

Toyota's solid-state battery breakthrough: 745 mi on a 10 min charge by 2027

 

FDA grants full approval to new Alzheimer's drug meant to slow disease

Personalized vaccine could enlist the immune system to fight pancreatic cancer

“Underground lake” for over $20 billion of agricultural production risks running dry

 

Rare octopus nurseries discovered deep in the Pacific Ocean

Google Quantum computer can instantly execute a task that would take 47 years

10-year-old plays Chopin’s Fantasie Impromptu with extraordinary command and poise

 

July 4, was the hottest day ever recorded globally

Tel Aviv police chief quits, citing hard-right cabinet pol. whom wanted excessive force

 

 

 

@

 

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.

 

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

 

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.

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/

 

 

 

Retirees NOT forced to sell shares for IRS

Retirees may NOT be forced to sell shares for IRS

Congress passed the $2 Trillion bailout bill that may allow retirees to stop selling shares to fulfill the RMD requirements of their retirement accounts. While this measure and others would allow savers to keep more of their savings, waiving the RMD for 2020, the House bill would work in favor of those who don’t need to live off of their IRA or 401(k) retirement funds. This would benefit those who are not living off their retirement nest eggs at the present time. The RMD is calculated on the previous December account balances for all those over 70.5 years of age. We must pay taxes on the gains that have been cut drastically by the C-19 market sell off. To reach the amount specified by our RMD, we would need to sell more shares than we would have had to a month ago. Waiving the RMD requirement for 2020 would reduce the tax revenue this year. Taxes will need to be increased in coming years to pay for the additional $2 Trillion spent by Congress.  

Avoid the future taxes: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

My shares of stock and mutual funds are hanging on

I have increased my shares by NOT selling. The dividends I receive are adding more shares because the share price has fallen. Shares are on SALE. This is why Buffett is buying not selling. Buffett’s companies like Geico are still in business and collecting $ millions in premiums so he has $ billions to buy shares of Kroger, Delta, etc when the price is low for growing firms. Like Buffett I am buying stocks and shares of quality firms while they are on sale. They are on sale because of panic and the fact that some active mutual fund managers don’t want to end the quarter with a big loss. They will say they only lost 15% when the market index is down 25%. So they are selling at a loss which they can offset with some gains. I am not worried about my investment return number for the quarter. I am investing for future income and so when the price goes up, my shares will be worth more. And I will pay no taxes which will surely go up.

Buy shares on sale: https://www.amazon.com/Millionaire-Mutual-Funds-Save-taxes/dp/1534939490

GOP uses the virus to give their “friends and family” more of our tax dollars

Did they forget the last time: Big and reckless businesses got bailed out, with no one going to jail, while ordinary Americans lost their homes and jobs? The virus is just an excuse. Some on the right are calling it an act of God--the better to justify their support of massive government spending. One White House official said Trump “doesn’t give a [expletive]” about the plan’s impact on the federal debt. “It’s all about the markets and the economy for him. It’s all about the jobs numbers.” Re-election is the prime driver. The Senate Republican plan to send every household $1,200 for each adult and $500 for every child is an inefficient and ineffective way to stabilize the economy. It’s also a cynical ploy by Mob Boss Trump and the GOP to buy the next election. The better strategy is to get money into the hands of cash-strapped businesses that promise to use it to keep workers on their payrolls. A better effort would be to make sure states can pay all the laid off workers who will need the essentials. Unemployment insurance can’t cover the estimated 80 million workers out of a full-time job. The last time we had millions of unemployed we did something about it: we made work for them. We built buildings, schools, dams and bridges. Dams not coal make electricity.

Let’s avoid socialism for the rich: : https://www.amazon.com/Americas-Socialism-Rich-little-people-pay/dp/1535218584

It took 4 years for the stock market index to recover from 2008 lows

Depending on your portfolio profile, it will take time to recover from this stock market correction. If you use the stock market as your checking or savings account, you will suffer when you sell. If however, you are a long-term investor, just turn your head from the daily gyrations and BUY like Buffett. Last year the stock market gained 31%. The long-term average is still 11%. If you pay your advisor 2% you will have to wait a longer time. If you think of your money in terms of short- and long-term reserves, this correction has no impact on your ultimate goals. John Bogle, founder of Vanguard, said that you can control what you pay for advice not control the market. Giving away 2% of your long-term money will decrease your final accumulation by up to 63%. “Over a 50-year investing lifetime, that little 2 percent fee will erode 63 percent of what you would have had. As Bogle puts it, “the tyranny of compounding costs” is overwhelming.”

Let the ‘Bs’ guide you: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment-advice/dp/1523693045

Who got rich from the last bailout?

Your tax dollars are going to make many rich people richer. During the last bailout crisis, even the foreign banks and profitable firms got money they did not need. None of them said no. This time Boeing, which killed a lot of people from bad management, got BILLIONS of our money. The whole leisure class industry wants $ BILLIONS including The Boss’s hotels, golf resorts, and global properties. Most of those crying for bailouts had large surpluses from huge profits during the last 12-year bull market. They spent it on themselves—buybacks, CEO bonuses, more jets, etc. Remember, many of these firms have paid no taxes for years. Like The Boss, they have used every trick in the book to avoid paying their fair share. An unbiased analysis of this situation would be that America is a socialist country for the rich. We pay subsidies to profitable firms and have been doing so for decades. Subsidies to the elites is what American is all about. Even our Reps use info illegally. Lobbyists tell our Reps what to subsidize in return for election money. Why are we still providing oil, coal and gas subsidies to profitable companies? Trump pays farm/oil/gas companies when the market price falls. He promises agribusiness price guarantees and support payments to keep that group voting for him. The national debt has surged from $20 trillion to $23 trillion since Trump started. He promised to pay it all off. Instead he has made our tax yoke heavier in the future.

Reduce your future tax burden: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

File your taxes for free

TurboTax and other for-profit tax prep firms are due to raise prices soon. If you have your documents, use your favorite software now and file your tax now for refund. The payment, if any, can be in July; the filing should not. Rumors confirmed: filing delayed to July 15. Check your state for deadline. The federal and state filing can cost you nothing at https://apps.irs.gov/app/freeFile/. Another site has no cost or restrictions: https://www.creditkarma.com/tax. And remember you can usually reduce income and thus tax by making a deductible contribution to your IRA. File now for refund: 90 day interest-free extension if you owe. https://www.irs.gov/pub/irs-drop/n-20-18.pdf

Filed already: refund status: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp

Save for a long life: https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

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

Like 1776, this period is a test of democracy—do we really want ‘low-IQ’ Mobster?

Mobster whining: "It cost me billions of dollars to be president”

Mob Boss: “I don’t take responsibility at all.”

Mobster: “I’ve always known this is a … pandemic.”

Mob Boss does not care what we learned from the last bailout.

Mobster on malaria drug: “So we’re going to pray from God that it does work.”

Mob Boss: We will give you “more than $1000 check, more later” (after my election)

Mob Boss: media wants to keep businesses closed “so I don’t win” in Nov.

How Govt wastes our money: Congress spends another 1.7 Trillion we don’t have! 

Lobbyists for big business leading Reps around for bailouts: Socialism for the rich

Trump sends medical supplies based on his politics (Nov 3) not medical need. Helps N Korea

Recurrence likely: Trump promises END restrictions in 15 days to get jobs/economy back.

Leisure industry the last to get help: Unemployed, hospitals, food chain, medical workers first

GOP bill “bad news”: “bailing out the biggest corporations.” GOP: stock “futures down 5%”

Doctors nurses plead for medical supplies equipment: 1 mask must last 5 days!

If we are at war, why is Trump taking money for his luxury businesses? Private Jets?

Same companies that binged on buybacks are in line to receive taxpayer-funded bailouts.

Lobbyist make sure their corp get the bailout. Coal co. stops black lung payments?

CEO get bonus for winning special bailout: US bans travel so no flights to use bailouts!

Trump will be “oversight” person: bailout biz friends: ‘fox guarding hen house’

TX using health emergency to force women to have kids they don’t want

TX 2^nd gov would rather seniors die than let Wall Street go down. He has ObamaCare!

Glenn Beck wants older Americans to die to save his show and Wall Street

Who gets our tax money: $2 Trillion is borrowed from our future children/others.

3.3 million file for unemployment comp: 1938 3 million built 10,000 bridges, roads etc

OH gets just $2.1 billion to fight pandemic: Boeing $17 billion to bailout bad managers

SCAMS/SPINS:

One man—John Roberts—a Supreme, will decide whether we have (no preexisting) health care!

4 anti-worker GOP Senators try to kill unemployment funds in the $2 Trillion subsidies law.

These 4 Senators only work 133 days; $174,000 guaranteed: unlimited sick; full health care.

Senators ignore warning: gym & pool use while virus spreads shows stupidity

Why did Congress take vacation at this time of crisis?

What happens if you can’t afford the $250 C-19 test? Retreat to the desert/mountains

Guns and ammo sales up 1,000% in some states: people are scared and may kill you in fear.

Census questionnaire and virus bailout checks are NOT linked: Fake Facebook posts.

Supremes: mental illness not allowed as defense anymore: no one can claim insanity.

Brazil gov tries Trump ‘back to work’ propaganda and it flops

Donald Hunter CT caught fraud promised returns from new Alzheimer drug

Corey Eastman Devon Ortiz Julia Montgomery caught ‘grandparent scam’ on dozens.

Hammed Akande MO caught romance scam $700,000 24 seniors

Todd H. Lahr PA caught running Ponzi promised mining real estate returns

Mychal Kendricks NFL caught insider trading on tips from banker jail time

SEC allows failing funds to borrow money from sources not usually allowed.

Megan Hess Shirley Koch CO caught selling body parts & fake $1,000 cremations.

Brokers prompting buyNhold investors in ETFs to sell out: buying oversold stocks.

Insurers retain huge premium bonus as few accidents near zero claims from C-19.

Alexa recording lawyer/client info as more work at home: We can’t delete later.

E-skimming is type of card fraud: hackers plant code in online store takes your cc inputs.

15 Coronavirus Online Scams to DECLINE

GoodRx posted a statement it planned to stop selling your personal medical information.

Some corona cleaners do work: some don’t: fake claims for cures: jimbakkershow silver

China & S Korea report no new cases: True or False?

President of the USA says everyone back to work by April 12 just to save re-election!

I got Trump’s C-19 postcard telling me to stay out of work at home and no contacts.

Treasury Secretary: 3 million record unemployment claims are “not relevant”: he has job!

Immigrant physicians enlisted by Pentagon for medical skills are stuck taking out trash !

Fauci, virus scientist, says “many more weeks” and has been sent away like other experts.

AZ man dies from cure Trump claimed might work: Trump cure is hydroxychloroquine

More die from TrumpCure chloroquine poisoning around the world

Trump’s friends get tested while those at risk go without test and told to go back to work.

Jobs

NY, IL, NJ State to shut like CA: non-essential workers stay home

Walmart to hire 150,000 for corona surge: bonuses for some. CVS hires 50,000: bonuses.

Which colleges actually are worth the cost: few produce income high enough for costs

Bailout state unemployment funds: filings hit 2.25 million this week: Boeing can wait

Grocery worker coughed on by George Falcone now charged with terrorism!

PA shopper coughs on grocery shelves so market had to discard food: terrorist?

Some store managers are NOT telling employees about those with C-19. So it spreads.

Work from home computer hygiene: keep hackers out of your life line.

Who owns your account now?

Insurers are looking to protect themselves as financial ground cracks: they buy more insurance

CA: Wells Fargo, US Bank, USB, Citi and JPM Chase defer mortgage payments for three months

Family earning over $150,000 does NOT receive bailout money: Rich get better bailouts

Miracle:

How our hands evolved from fish fin! Amazing thing creation!

When we are really alone: survival is being human

Lost sense of smell and taste are peculiar telltale signs of Covid-19: first symptom?

Don’t see sickness in CA: Shelter in place means hunkering down at beach/boardwalks.

Streets are empty: we can walk without dodging cars/SUVs: save gas/no pollution!

States are tracking cells to verify social distancing: Big Brother watches for good or evil?

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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