Your Unbiased Advisor: real estate

Showing posts with label real estate. Show all posts

Friday, May 20, 2022

Warren Buffett is your best financial advisor

Best graduation gift you can give

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. We have used this 'Wealth Reserve' as I call it to have funds to use low-cost high-deductible insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive at least $2,933 a monthly in a retirement supplement for the rest of our lives.

Start their ‘Wealth Reserve’: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

Most folks in or near retirement fear outliving their money

Advisors usual solution: guaranteed income from an annuity. Because the commissions and fees can be large and are hidden, retirees usually buy these no-refund contracts. The contracts are usually thick with legal protections for the insurer and sales agent. There are more expensive provisions that may help protect you but the bottom line is that you are paying a lot of money for a stream of payments that may not overcome inflationary costs. So, for a 65 year old female with $100,000 payment, she will receive $454 a month for life. However, by age 80, her fixed $454 a month will buy about HALF the necessities it originally did. She can purchase a ‘cost-of-living’ rider like the COLA SS benefit but that reduces the amount per month. For less benefit, her heirs can get back whatever is left if she dies early (before age 86). She may need more than $227 a month for living expenses. There are better alternatives to get a regular check.

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

Why Warren Buffett is your best financial advisor

Mr Buffett does not need your fees and commissions. He has $ Billions. He has more experience than any paid advisor or brokerage firm. Most advisors and brokerage firms provide standard advice and portfolio models pre-packed for retail customers. Unless your wealth includes special assets totaling in the $ billions, you get the regular firm products. Sellers sell only what supplies the firm with profits. When you need specific unbiased advice you can buy it from a fiduciary for a single charge. Most of us are going to accumulate less wealth over time by paying the annual fees and charges firms need. Those who pay 1-2% a year in fees and trading mistakes will give away 50 to 60% of their possible accumulation over time. Buffett credits “compound interest” for his success. Thus your $250 a month investment can become $2 million over time IF you don’t pay for advice you don’t need. Buffett’s advice is unbiased and simple to follow. Use Buffett’s advice:https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072/

Car insurance costs go up for some people

Age is a big contributor to costs: teens pay about $5,000; seniors pay about $1,500. Your credit score and driving record can be controlled. Your home location can raise premiums. Your vehicle and its use can be a factor in costs. There are discounts available. Your immediate control of costs is determined by the carrier you use. Shopping every 2-3 years provides you with a chance to take advantage of the marketing plans of some insurers. They often try to find drivers which their database tells them are cheaper to insure. Each year they change and so do you. Bundling may save premium while others may not. The same goes for safe-driver courses and a driver association affinity. Each has its own set of preferred driver qualifications.

Try shopping: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Is investing in real estate right for you?

Commercial real estate returns have shined during the last year despite the pandemic challenges. Like stocks, real estate investment trusts (REIT) are up 35% or more. REITs have often performed differently than stocks and bonds, so this fund may offer some diversification to a portfolio already made up of stocks and bonds. Since 2001 the Vanguard REIT has returned over 10% a year. Your contributions to a REIT inside a tax-FREE account may help you achieve a tax-FREE retirement.

Go Tax-FREE: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

Which mutual fund do my readers prefer?

Many of my retired and pre-retired readers prefer mutual funds that have been around for years and are managed by experts at low cost. Like John Bogle, they believe that “cost matter.” Bogle told Martin Smith of Frontline that a “2 percent fee will erode 63 percent of what you would have had” over time: 63%. That is big chunk of our nest egg. Bogle created low-cost funds for every portfolio. My readers like Vanguard Windsor Fund. Since its 1958 inception, this aggressive large-capitalization value fund has held fast to its distinctive strategy and provided 11.47% a year. Also Vanguard Wellesley Income Fund. This 50 year-old, income-oriented balanced fund offers exposure to dividend stocks and investment-grade bonds. It has provided 9.44% returns since 1970.

Pay less; keep more: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

What happens after a recession?

During a recession, stock prices typically plummet. The markets can be volatile with share prices experiencing wild swings. Investors react quickly to any hint of news—either good or bad—and the flight to safety can cause some investors to pull their money out of the stock market entirely. Since 1871, the average return has been 11% per year. You are better off betting on reversion to the mean not Bits. Fear not!

2009 27.11

2008 -37.22

2003 28.72

2002 -22.27

1995 38.02

1994 1.19

1991 30.95

1990 -3.42

1982 21.22

1981 -5.33

1975 38.46

1974 -26.95

Don’t lose your head: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

Advisors repackage old sales ideas with new hype

“Active personalization is the new active investing,” announces analyst Morningstar.

Ask your advisor what “active personalization” really means. More tech mumbo-jumbo to sell standard “model” portfolios as ‘personalized’ just for you. Advisors will use “Morningstar portfolio risk score” to justify the portfolio they recommend. “They also have the Risk Profiler, which measures the level of a risk that a client is psychologically comfortable taking.” They will also offer the Risk Comfort Range—which connects your risk level to their product. They will measure your level of adherence to six sustainability themes. “With a click of button, this new optimizer is going to build a portfolio that matches your risk profile and your sustainability aspirations.” Sounds cool but you still won’t know how well you did until you see the results of all this button-pushing for a year or two. Advisors will still be paid by you no matter which button they push. Actually, low-cost indexes beat managed accounts.

Warren Buffett proved it: https://www.amazon.com/Warren-Buffetts-Investment-Strategy-Forget/dp/1484822900

How much should you invest?

The average salary is about $50,000. During our lifetime, we may earn $2.5-$3 million, depending on raises and years worked. If we invest just 6% ($3,000) in the low-cost stock market index of our 401k or IRA, we could have $2,100,000 for retirement in 40 years. If our employer matches our contribution or our spouse has a similar situation, we could have more. Given the historical rate of inflation, this amount would still allow us to spend retirement income of $45,000 (after inflation) for 30 years. We can now invest in a Tax-FREE account, approved by the IRS. We could spend all $3,750 a month!

Spend Tax-Free Income: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

?**********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

Jan 6 2021 Direct assault failed: guns & bombs ready

Trumpist’s Supremes end personal rights

Nov 8 2022 Trump’s “national revolution”

How Govt wastes our money:

NO infant formula because milk subsidy laws keep out all other makers

More hate crimes: 2^nd Amendment has no death limits but children only have 2 parents

Congress to let the lead fly: no gun or 30-rd mag control: gun purchase tripled 2000-21

Anti-vaxx, anti-maskers get their wish: 1 million covid disbelievers die: lack protection

Our Reps allow private equity firms to help wealthy (US and USSR) hide cash not yachts

Formula shortage due to socialist gov contracts monopoly firm: Abbott only supplier

414-9 9 GOP voted against helping women buy formula: Gaetz, Gohmert, Greene

OK bans abortion choice: $10,000 bounty on head of any helper, even religious advisor

Time for price controls? Runaway inflation and recession leads GOP to dream?

SCAMS/SPINS:

TX bans media firms from barring conservatives: “conspiracy to silence conservatives”

States with abortion ban and with “marriage” age 12-17 years for girls like in Hale time

State abortion limits: Abortion rights backers rally in anger over post-Roe future

GOP Loudermilk showed terrorists the capital layout for a coup: kill Pence

Former Trump White House chief of staff Mark Meadows committed voter fraud

Trump collects donations for 2017 AZ real estate approval: Trump WALL fails

Cruz collects donations to pay off his personal debts: financing our dictatorship

Scammer used cell number to gain access to social security benefits and switch them

Mercedes owners: stop driving 292,000 vehicles: brakes can fail.

Ford recalls 350,000: 2021 Ford Expedition and Lincoln Navigator SUVs catch fire

Trying to time the market leads to disaster: ETF short sellers can’t exit positions.

Allianz caught Structured Alpha fund fraud: manager charged: fine, no jail

First Republic caught overcharging for certain mutual funds, cash sweep accounts no jail

BEWARE: WalMart trucks in KS have no drivers: Teamsters union, lawyers not happy

Docs on Pharma Payroll Have Blemished Records, Limited Credentials: Ask 2^nd opinion

Northshore Clinical Labs, a COVID testing laboratory caught results false: no jail

Surgeon check: always get a 2^nd opinion: this guild protects its own so few lose license

US caught allowing auto-guns to be sold to those with limited real-world understanding

The limited haters can get auto-guns and armor vests to kill us all: 30 rd auto-guns

Our hand pistols do no good against guns of war: 30 rounds in 15 seconds: you’re dead

Misleading info drives fear and hate: Ex Trumpist calls GOP a threat to America

Putin instructs Russian TV to use Tucker’s propaganda instead of his own

Putin surrounded: Finland Sweden apply to NATO: Putin got his nightmare

Putin, like Hitler, putting seniors and mercenaries in uniform: replace higher war losses

Putin, like Hitler, now making strategic battlefield decisions: pontoon crossing daylight

Putin, like Hitler, putting spies in his own military ranks to "neutralize" dissenters

Putin blocks food for Africa: Ukraine can’t ship so deaths will exceed military causes

Jobs

Supremes offer Swag

10 most wanted jobs of 2022: Chauffeur, Road construction supervisor

$30 an hour babysitting in NY by high schoolers saving for ivy league $100,000 costs

Who owns your account now?

Stock returns for the last 20 years: Where would you rather be?

AllianzGL investment management biz to Voya

Credit score: keep your oldest card open; use once a year; make on-time payments.

Get paid for starting a new bank account: many rules but if you are already shopping

New infections-100,000 a day-comes as the nation heads into Memorial Day: mask?

Miracles:

Salt battery for long-term electric storage: capture wind sun; use: no wind, no sun

STONES: 60th year tour: Jagger 79, Richards 78, Wood 75: how to keep it up so long

Medical debt in payment plan delayed from credit reports July 1

Life cell secret: RNA molecules can link short chains of amino acids together: copy

Everything in universe: galaxies to stones made of subatomic energy ‘vibrations’

Light is both a particle and a wave depending on how we look at the light.

A subatomic ‘particle’ is the smallest possible vibration (quantum) of a quantum field.

Mass–energy equivalence: E=mc^2. At the smallest level; Everything is moving!

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

“Empty space is a boiling, bubbling brew of virtual particles that pop in and out of existence in a time scale so short that you can’t even measure them.” Space expanding.

We can apply for Medicare online: https://blog.ssa.gov/apply-for-medicare-online

We can apply for Social Security online: https://www.ssa.gov/benefits/retirement/

We can apply for health care online: https://www.healthcare.gov/

IAN

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

Friday, June 18, 2021

Where can your child invest those graduation gifts?

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. We have used this 'Wealth Reserve' as I call it to have funds to buy low-cost high-deductible 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. Investing requires patience not fast trading.

Time not trading: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

Do you need long-term care insurance?

Many will need day to day help in living and our long-term care facilities can be a life-saver for many families who cannot care for loved ones at home. America has not done a great job to identify facilities that fall short of the care standards required of every one of our nation’s nursing homes. In such facilities, some residents have experienced outright neglect, such as going without proper nutrition or languishing in filthy conditions. Some older adults and people with disabilities have even experienced physical abuse, sexual assault and premature death. Two Senator’s name some bad actors: POOR CARE IN AMERICA’S NURSING HOMES. We know care is expensive so the question is how to do we deal with this situation. Long-term care insurance can help cut out-of-pocket costs if you find an acceptable facility or at-home compromise. But does it make sense to invest in this product with so many exclusions, exceptions and caveats? Consider all the options before signing up—there is no refund. Remember, insurers are for-profit entities.

https://www.amazon.com/Long-term-Care-Insurance-Updated-2013/dp/148274001X

Advisor checklist: sales people you should fire

Most advisors/brokers/financial consultants are sales people. They are trained to sell the products their employer picks for profit. Rather, your advisor should be a fiduciary—give unbiased advice—for a stated price. They shouldn’t have a rap sheet—BrokerCheck. Work with a specialist who understands what you need. Avoid advisors who advertise or do ‘free’ meals or who serve family members. Learn about what you need before you interview. I have found that fee-only planners give more honest answers than financial salespeople. Planners have a reputation to protect.

It is your money: https://www.amazon.com/Lies-Financial-Advisors-Told-alternatives/dp/1478281545

Investing is not hard unless you ask a ‘professional’ to do it

Ever find out after an expensive plumber visit that you could have done the same thing for almost nothing? I recently had a stopped up tub drain and called the guy used by my neighbor which cost me $400. After running his cable auger for 20 minutes and checking that he hit the bottom of the soil stack, he asked me to provide a bottle of dish-washing liquid. I got my $5 blue Dawn from the kitchen and watched him squeeze a stream into the drain with running water. Wham! In minutes the drain was clear and running fast. This professional collected my $400 and said, yes, soap builds up a grease blockage. Now I clear it once a week with my dish-washing liquid for fifty cents. According to Warren Buffett successful investing is about letting compounding work its miracle automatically in time. Investing is a habit—just keep adding to your fund and it will flow.

https://www.amazon.com/Building-Wealth-Like-Brushing-Teeth/dp/1470141469

Is it worthwhile to learn personal finance?

Have you taught your child how to handle money? More high schools are promising to offer personal finance classes but are they really helpful? In the past, surveys show kids forget more than they learn about personal finance. In short, most courses provide too much info at a time when your child is not ready to learn. There is no immediate use for learning the difference between stocks, bonds and municipal bonds. And most of the content is sourced from the industry so you never learn that Warren Buffett recommends low-cost Vanguard fund. Courses perpetuate the myth that only paid professionals can provide sound advice. After running programs in security firms and banks, I concluded that the folks who needed the help the most were not going to get it from the industry. My colleagues and I put together how-to books for every separate topic. When you need to know which insurance to buy, you learn it then. When you need to know which 401k or IRA investment option to pick your first day at work, you learn which is best for you. No one will remember what they learned in high school. Plus when you learn on your own, you learn about more UNBIASED alternatives.

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

Patience makes you rich, Warren Buffett says

From 1985 to 2014, the average stock fund returned 10.7%, but the average stock fund investor got just 3.8%. Why? They tried to time the market, jumping in and out and invariably getting it wrong. During the same period, the average bond fund returned 6.9%, but the average bond investor earned just 0.7%. As one member aptly put it, “Seems hard for people to just buy and hold for the long term.” They get greedy and try buy low and sell high. That means being a stock market genius TWICE. It may seem counterintuitive, but over the long term you really do make money sitting on your hands. Warren Buffett: “The stock market is a device for transferring money from the impatient to the patient.”

Try patience: https://www.amazon.com/Millennials-Investment-Strategy-BEST-journey/dp/1533079242

Is rental real estate a good investment?

The market value of Single Family Rental assets totals more than $2.3 trillion. This analyst offers the first systematic analysis of total returns to Single Family Rentals over a long time period. They find that total nominal returns are approximately equalized across US cities, at about 8.5%, the same order of magnitude as equity returns. On average, net rental yields and house price appreciation have each contributed around half of the 8.5% total return. However, these two components are negatively correlated. High price tier cities accrued more capital gains, while low price tier cities had higher net rental yields. Within cities, they show that lower-price-tier zip codes have higher total returns as a result of both higher yields and higher house price appreciation. You can imagine how much work it is to be a landlord so the better deal is to invest in a real estate investment trust (REIT). You can earn 10% over time using a low-cost fund like Vanguard’s VGSLX. Low-cost funds beat high-cost funds every period.

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

Give your graduate the best gift you can give them: tax-FREE money

High school and college graduates need the best gift you can give them: a future of tax-FREE income. Get them started now since your gift can grow many times its value over time. For instance, $50 invested now can provide them with $20,000 when they need it later. Since you have started your grad off with this special IRS-approved tax shelter they will find it easier to keep saving/investing the right way. They will end up with a tax-FREE retirement. They can create a $500,000 tax-FREE account. Some young people have grown their accounts to over $1 million by investing $167 a month while they work. They will pay NO taxes on their wealth. They can avoid future tax increases. They can boost their savings by 30% with just the fed/state tax savings alone. And if they need a home down payment or business start up fund, they can use the contributions tax and penalty FREE.

Perfect gift: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

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

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

Coup: “We are here to take over the Capitol, we are here to hang Mike Pence”

Dictator spied on own counsel and Dems

‘I didn’t take an oath to defend Donald Trump’

Will we reject American fascism again?

How Govt wastes our money:

Biden Justice Dept still protecting its lawyers and Trump spying on Americans: swamp

IRS almost never audits private equity firms: illegal tax avoidance made legal for rich.

SCAMS/SPINS:

YouTube stops GOP from spreading lies about covid cure: Hydroxychloroquine or Ivermectin

601,000 + deaths: some states push for more deaths: new virus variants grow

GOP TX bans social studies discussion on controversial subjects like race, sex

Ideology: lies are truth and truth are lies: Trump’s press sec: “I never lied” but she had to.

GOP promises to block any Supreme nominated in future no matter whom:

GOP takes up Putin charge that coup terrorist Babbitt was executed.

GOP bishops to deny Biden practicing his faith: taking host

Supremes save our health care insurance from GOP state ideologs

Christian Nationalists to seize Southern Baptist-ism for Trump: sexist, racist, sex abuse

Scam: ‘suspicious activity’ from Amazon, Chase, etal is scam to steal ID: Verify directly.

Sweepstakes/lottery scams aimed at seniors in pandemic isolation rose

Robert Armijo caught selling unregistered "distressed market" real estate "Ponzi-like"

13 shot at once: TX no license, no training: 2-3 guns or one 30 mag Assault Rifle?

Baby and Gma shot in FL store: Facebook shooter declared but no mental health offer

10 shot 1 dead in Chicago: 2 shooters 2AM get away; no motive.

3 shot 1 dead in GA: sir, please put on your mask: Bam--dead cashier

Army keeps losing guns to the street for crimes:

Jobs

Hotels consider fewer workers: get own breakfast, make own bed: CEO not cut $$$$

High-quality gemstone weighing 1,098.3 carats unearthed Jwaneng mine Debswana

Who owns your account now?

Hoover Dam may be shut—no water no electric—drought hits Wild West

People with ALS Can Get Social Security Disability Benefits Sooner

Miracles:

Jonah and the big fish in Cape Cod: man spit out of whale mouth

Glacier’s Ice Shelf Is Ripping Itself Apart: Miami shrinks

Microscopic animal brought back to life after being buried in Siberian permafrost for 24,000 years!

10-year-old South Dakota boy dies saving sister from drowning

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/

954901319457

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

Friday, June 4, 2021

Why Warren Buffett is your best financial advisor

Give your graduate the best gift you can give them: tax-FREE money

High school and college graduates need the best gift you can give them: a future of tax-FREE income. Get them started now since your gift can grow a THOUSAND times its value over time. For instance, $50 invested now can provide them with $20,000 when they need it later. Since you have started your grad off with this special IRS-approved tax shelter they will find it easier to keep saving/investing the right way. They will end up with a tax-FREE retirement. They can create a $500,000 tax-FREE account. Some young people have grown their accounts to over $1 million by investing $167 a month while they work. They will pay NO taxes on their wealth. They can avoid future tax increases. They can boost their savings by 30% just with the fed/state tax savings alone. And if they need a home down payment or business start up fund, they can use the contributions tax and penalty FREE.

Perfect gift: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

Most folks in or near retirement fear outliving their money

Advisors usual solution: guaranteed income from an annuity. Because the commissions and fees can be large and are hidden, retirees usually buy these no-refund contracts. The contracts are usually thick with legal protections for the insurer and sales agent. There are expensive provisions that can help protect you but the bottom line is that you are paying a lot of money for a stream of payments that may not overcome inflationary costs. So for a 65 year old female with $100,000 payment, she will receive $454 a month for life. However, by age 85, her fixed $454 a month will buy about HALF the necessities it originally did. She can purchase a ‘cost-of-living’ rider like the COLA SS benefit but that reduces the amount per month. Also she can get a refund: for $415 a month, her heirs can get back whatever is left if she dies early (before age 86). She may need more than $227 a month for living expenses. There are better alternatives.

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

Invest the money you now waste

My readers have offered suggestions on how to take money they used to waster and use it to build their wealth. Building your Wealth Reserve with money you waste has been the goal I have shared with many readers for years. First I moved my IRAs to a low-cost mutual fund. Then I moved my brokerage account to a discount broker since I did not need to pay 2% a year for financial advice I found elsewhere. Third, I started shopping for car insurance to save on premium. I have moved coverage 4 times. I cashed in my universal life insurance policy for a term policy of 10 years until my Wealth Reserve could support my family after death. I stopped leasing our vehicles and bought used ones—investing the monthly payments instead of wasting the money on new every 3 years. I started doing my own home repairs saving $ hundreds over the years. Most home repairs are illustrated on YouTube. I started my own publishing company, using Amazon books to handle the merchandizing. My former colleagues from financial services firms helped with the content. A small business provides ways to deduct certain expenses, saving $ hundreds over time. Readers who have followed my advice have accumulated $ millions instead of $ thousands over time using this strategy.

https://www.amazon.com/DIY-Financial-Independence-Freedom-Workbook/dp/1088908500

Why Warren Buffett is your best financial advisor

The Warren Buffett retirement portfolio: save $3-6,000 a year

Do you really need to waste $3,000 or $6,000 or more on portfolio advice in retirement? If you have a pension and IRA, the amount you withdrawal from your accounts monthly or annually is already calculated. Unless you are wealthy and can live on T-bills paying 0.09% to 0.17%, you will need to own stocks to overcome inflation during the 30-40 year income needs. You can always hire a fiduciary planner for specific retirement concerns. There is no reason to pay an expensive product salesperson to help you secure income during retirement. First, the IRS will determine how much you will take from your 401k and IRAs. You must pay tax on your tax-deferred money. Second, you could lose up to 63% of your possible nest egg by paying an advisor/broker. Paying 2% of your $500,000 nest egg means you lose $300,000 in 30 years. You may need that money for health care.

Buffett’s advice is free: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

Is investing in real estate right for you?

Go Tax-FREE: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

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

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

Trump violates Constitution: seized reporters’ phone records

GOP & Trump involvement in Coup ends Jan 6 probe

No ‘Truth and Reconciliation Commission’ ?

GOP to skip 2024 prez debates

Democracy slipping away?

How Govt wastes our money:

$ 0.5 Billion warship can’t stop ballistic missile target in test: wasted taxes