Combat inflation: save $3,000 a year on financials you use now!

 

Combat inflation: save $3,000 a year on financials you use

A positive way to fight inflation is to stop wasting $3,000 or more on fees, commissions, and charges for overpriced financial products and services. One of the greatest amounts we waste is paying someone to manage our investments. We can lose 63% of our earnings to Wall Street. It is a fact that no manager has been able to beat the market returns (11%) over time. Most of us don’t realize that the other areas of wasted income are in recurring charges. If we pay the minimum interest on our $10,050 average credit card debt, it actually costs us over $56,000 over time for that $10,050. If the minimum payment is $160 a month, we pay $25,080 over time at 25% interest. Plus, because we are wasting $160 a month for the debt, we are giving up about $37,000 in investment earnings during those 10 years. If we are overpaying $300 for insurance (auto home life etc) every year, we are wasting at least $216,974 over time. Using an annuity to create a stream of income payments in return for a lump sum costs 12-15% of our hard-earned nest egg. There are many more ways to stop throwing money away.

https://www.amazon.com/Tricks-Trade-Mutual-Insurance-Annuities/dp/1535497289/

 

 

What is your spending plan now?

With inflation running 8.6%, gasoline over $5 and rents up 15-20%, we need to rely on our spending plan more than ever. For those of us who are on a fixed income or cannot find a higher-paying job just now, rising prices will gut our budget this year. Some of us have already cut out the cable sports and streaming packages, the regular monthly outing, and our annual vacation trip. We have delayed all major purchases even though we need a new fence and roof. We are looking at our regular food buying list for stuff we can do without. We now pay attention to sales. We were shocked to read that our Social Security benefits will be cut 2034. However, one Senator has introduced a bill to shore up the SS Trust Fund for our future. The Social Security 2100 bill, which applies the payroll tax to earnings above $400,000, could be debated soon. I did not know that those who earn over $147,000 pay nothing to SS Trust on their higher earnings. The wealthy that live on dividends and capital gains pay nothing on those either. Even small business owners get a big break on taxes. We need to plan how to divert our current spending back into investing in case the do-nothing Congress decides to cut, not raise taxes.

https://www.amazon.com/Your-Spending-Plan-insurance-investments/dp/1482723123

 

Help your child, grandchild get started on a $1 million fund

They will need a million dollars since inflation can reduce the buying power by 50% in just 20 years. Since common stocks have the best history of keeping ahead of inflation, a broad portfolio has the best chance of delivering steady returns. Since 1871 a basket of stocks (dividends reinvested) has provided 11% returns. Ordinary inflation is 3% not 8.6%, so right now stocks are cheap. If you show your family that an 11% long-term return can turn $250 a month into $1,000,000 in about 34 years, they will not be try to beat the market with fast trades through a $0 commission broker. Show them the math: $250 per month for 34 years costs $102,000 in contributions. They earn $898,000 in dividends and capital gains. If they use their special IRS tax-FREE account, they avoid about $225,000 in taxes when they take their money out to live on. Remind them that Warren Buffett bet a million dollars on a low-cost market index fund to beat 5 super stock pickers. Buffett recommends you use the Vanguard 500 Index Fund. Why? You can give up 63% of your returns when you use a broker. And if they trade to beat the market they may end up with the historical broker account average of 3.79% not 11% a year. That’s $208,865 instead of $1,021,768 after 34 years.

https://www.amazon.com/Give-your-child-leg-up-manage/dp/1096505355

 

Panic selling is NOT a strategy to deal with market drops

Warren Buffett is famous for advising NOT to sell when others panic: be “fearful when others are greedy, and greedy when others are fearful.” His advice is buy when others sell. That assumes we have extra cash to buy. If we don’t then we should hold on to what we have. Selling usually means taking a loss since the average price of an S&P 500 stock is now down 21%. Most investors miss the big gains in the market while trying to jump out and in at the right time. It is hard to be right twice. Looking back over the 20-year period from Jan. 1, 1999, to Dec. 31, 2018, if you missed the top 10 best days in the stock market, your overall return was cut in half. That's a significant difference for only 10 days over two decades! According to the J.P. Morgan study, six of the 10 best days occurred within two weeks of the 10 worst days. Example: The best day was Aug. 26, 2015 just two days after the worst day in the stock market that year. Most of us have a tendency to wait after a down day for a great day that exceeds the amount we lost. By waiting for your ‘bounce back’, you lose the gain. Every analyst that studies the market gyrations has found that market timing never works—even for experts. Just stay in: since 1871 the market’s rise/fall has been more positive than negative by 11%.

Trust Buffett: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

 

Retirement income: buy annuity or create future stream of payments?

When you are ready to receive income from your nest egg instead of buying more eggs, consider the options to replace a paycheck. First, calculate how much you will need to distribute from your tax-deferred accounts to meet IRS regulations. For new retirees, you must begin paying tax on your retirement dollars by April after age 72.  For most of us this means taking about 4% from the previous year’s balance of all our IRA, 401k, pensions, etc. Since most us must pay income tax on this amount recalculated each year, this provides the base income for our year. Add Social Security benefits to realize most people’s annual income. These amounts usually fulfill your minimum expense requirements. If you have significant other funds, you can create monthly income by giving a lump sum to an insurer. You can insure this fixed stream of money for life by paying an extra fee. For an additional fee, you can have the amount increased to match inflation’s effect on purchasing power. Under historical inflation of 3%, the annuity amount will buy about HALF the goods in about 20 years. With an annuity, you cannot cancel if you need your lump sum back. A better way to overcome inflation is to invest that lump sum in a balanced portfolio and have your mutual fund firm set up an automatic withdrawal amount to your bank. Over time your portfolio may earn an average of 11% beating inflation’s cut in purchasing power for the rest of your life.

Avoid insurer’s fees: 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

 

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 Dems

 

Trump had become “detached from reality”

 

Trump’s Supremes end personal rights except for weapons WMDs

 

 

Nov 8 2022 Trump’s “national revolution”

 

 

 

How Govt wastes our money:

Make sure coup instigators don’t try overthrow in 2024: dictator back

NM County's GOP commission refused to certify results of its primary: preview 2024

Coup-enablers GOP lawmakers sought presidential pardons for part in conspiracy.

Al Schmidt Philly vote count manager and family threatened by Trumpists

 

Trump lawyers broke law: Giuliani, Meadows, Gableman, Eastman, Project 65

 

Biden-Garland-committee gives Trump ‘Free Pass on crimes’: Pence not hanged by him

Special prosecutor: special crimes: treason, conspiracy to overthrow, anti-Constitution

 

GOP in position to block ’24 election certifications, change rules, litigate nullification

 

Gun “deal” does nothing about guns: Congress allows war weapons to kill kids

Gun background check liars not prosecuted: ATF not vigilant

 

Some states loosening gun regs after massacres: more guns w/o permit, training

OH machine gun solution: let teachers, not police, kill terrorists: 30 rnds in 30 sec

 

Biden: Big oil huge profits by creating shortage, charging more hurts Americans

We paid coal, oil, and natural gas firms $5.9 TRILLION in subsidies in 2020: enough?

Interest rates up cuts demand for home + new stuff; less demand, price falls, goods sit

 

SCAMS/SPINS:

Trump guilty: death threats against VP: ‘Pence “deserved” to be hanged’

Trump had a ‘seven-part plan’ to stop Biden government: 2024 plan

Former prosecutor: Trump guilty of treason by calling for attack on Congress

Trump raised $250 millions on voter fraud but spent on personal choices: illegal

 

Trump had become “detached from reality” insane? B Barr, former Trump lawyer.

 

Schwab caught false/misleading statements about the cash in robo-advisor fine millions

Western International caught selling illiquid bonds, improper for clients: fine

Christopher Burns GA caught Ponzi scheme promissory notes $12 million AWOL

 

Patrick Churchville RI caught Ponzi scheme high return fund $33 million 7yr jail

Southern Baptist caught hiding pastors/leaders accused of sex abuse: none go to trial

GEICO caught liable for car sex STD transmission: $5.2 million for ‘negligence’

 

Prevagen: caught false claims FDA: real science says 5 ways to stay “sharp”

Health care sharing ministry is not insurance: fake misleading sellers look real garbage

Golf greens caught wasting water in CA regions where no water: no fines

Teslas crash by themselves: you don’t need to drive: Autopilot shuts down before impact

 

Senior Citizens League estimates the Social Security cost-of-living adjustment: 8.6%

 

US tech firms supplying chips for Putin’s war on Ukraine: weapon chips banned

US is oil exporter: we don’t need Putin oil: companies raised prices to double profits

Bitcoin plunges below $23,000 as the crypto meltdown continues

 

Cruz trying to avoid indictment blames failed coup on FBI: Ray Epps off list for rioting

Terrorists arrested in Idaho: "They came to riot downtown" 

 

Jobs

Best time to look for another job: poll

Teachers to lose jobs in some states teaching about national holiday Juneteenth

 

Who owns your account now?

Revlon going bankrupt: debt, competition:

Consumer Reports 2022 Kia Niro Electric as the best electric car they’ve tested so far.

Discover’s “Online Privacy Protection” helps remove personal info from 10 websites

 

Inflation hedge: credit cards give bonus $200 to start: Citi, Bank America, Chase

WOW: Fed raised rates .75% but my credit card is already at 36%: better to use mafia

 

Miracles:

For RV: portable nuclear reactor ready by 2024: 1-5 MWe: “low environmental risk”

Dems outlive GOP: more liberal policies, laws, regulations associated better health outcomes

New therapy success leads to tailor immunotherapy drugs to attack specific tumors

Push button diabetes implant may help control therapy in body

 

Baseball: family sport or elite outing?: tickets $622 -12,000

Yellowstone closed first time in 34 years snow melts, floods: no roads, houses fall

Phoenix record temperature of 114 degrees and not even summer time.

Electric vehicles charge in mere minutes: not ready for prime time

Teen form groups to help teens deal with sex after states ban sex talk from classrooms

 

 

@

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/

 

 

How to build an emergency fund

 

Invest those graduation gifts so they have enough later

$100 can become $10,000 in time. Show your graduate how the other half lives—on dividends and stock splits. Success with money starts early—most wealthy people started in previous generations. Compound earnings over time assures your child of security. You have a great opportunity to teach your child how to become successful with money. They can learn to take care of themselves and even become wealthy from your guidance TODAY. You can show them how to take advantage of the greatest power in finance: compound interest and the time value of money. Warren Buffett, who turned his paper route savings into $ billions, credited compounding over time for his wealth. "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Compounding high earnings over time is the lesson we should all have learned in school. Buffett did NOT say wealth is about picking the next 'Apple' stock or leveraging derivatives. Your child has TIME on their side and that is all they need. Compounding is money earning money on its earnings when it is reinvested. Invest their money in businesses sharing profits with them and over time they can reach $1,000,000. A special IRS-approved account makes their $1million tax-FREE. Tax-FREE is like a $300,000 bonus from Uncle Sam. $3,000 a year for 34 years gets them $1 million.

https://www.amazon.com/Where-can-your-child-invest/dp/1492164240

 

 

How to build an emergency fund

Last year many families wish they had built an emergency fund to fill the void of layoffs, extended sick time or job searches. Where can your emergency cash come from? Better to identify the source of funds now in case we have another emergency. Some of our readers have created their emergency fund by using the savings from buying their financial services—mutual funds, insurance, banking, etc—directly from quality providers, usually at a discount. If you own a home or property with equity, the least expensive source is a HELOC. We got one at no cost. Instead of using a savings CD or account, put money away in a low-cost inflation-protected bond ETF. Vanguard’s VTIP fund charges $0 commission and 0.04% annual expense. Another option is a low-cost high-dividend mutual fund like Vanguard Equity Income Fund. This fund’s returns are positive for 2022 with a 30-day yield of 2.22% and over 10% since 1988. Some readers are large-scale collectors of jewelry and other hard assets. They are prepared to sell some pieces in case of an emergency which they don’t expect to ever happen.

Be prepared: https://www.amazon.com/dont-have-money-Financial-Emergencies/dp/1537636707

 

 

Smart investors buying stocks on sale

Many great company stocks are on sale and you may pick up some real bargains. Companies that pay high dividends, even in depressed stock market, can provide your future fortune. Companies that provide products with steady demand can provide more long-term stability. Some readers use Vanguard Windsor Fund which has provided over 11% returns since 1958. Its one year return is over 15%. You own banks, insurers, as well as some tech companies. Some buy individual stocks with high dividend strength:

 

Name                                       Symbol

JPMorgan Chase & Co            JPM    

Johnson & Johnson                   JNJ     

The Home Depot Inc                HD      

Procter & Gamble Co              PG      

Bank of America Corp BAC   

Exxon Mobil Corp                    XOM  

Comcast Corp Class A CMCSA         

Verizon Communications Inc     VZ      

Intel Corp                                 INTC  

Cisco Systems Inc                    CSCO

 

Buy direct and save: https://www.amazon.com/Tricks-Trade-Mutual-Insurance-Annuities/dp/1535497289

 

 

Another way the rich avoid paying their fair share

Even though the Social Security trust fund will stop paying a full benefit by 2034, the rich have already (by June) stopped paying into the SS trust. Because so little of their income is subject to the tax, a millionaire’s effective tax rate is less than 1 percent. Compare that to the 6.2 percent that any worker making less than $147,000 pays, and it is clear that the burden of paying for Social Security rests on those who make the least. This increases the number of seniors who fall below the poverty level. The average SS benefit is $1,657 a month or $19,884 a year BEFORE taxes (85% of benefits are taxed for most middle class couples). Most couples have Medicare Part B $170 deducted monthly so they each have $1,487 to start paying their other monthly medical, housing and food costs. Most middle class families are paying about 33% of their income in taxes while the wealthy like Warren Buffett are pay less than 18%. They pay less so we must pay more!

Avoid paying their taxes: https://www.amazon.com/New-American-Retirement-System-Reserve/dp/1461030072

 

Show your kids, grandkids how to build a $1,000,000 tax-FREE nest egg

Show them how to build a nest egg from the savings on all the financial services they buy. Most people waste $3,000 a year on overcharges. Our financial industry Insiders show you the "tricks of the trade" so you save up to $3,000 every year on banking, mortgage, education, 401k mutual funds, securities, annuity, insurance-life, health, disability, long term care, vehicle, homeowner's, lawsuit--vehicle purchase, estate legacy, wealth transfer, retirement spending . . . almost any service. You buy the best financial services and avoid high fees and commissions. Your savings builds your Wealth Reserve over time. You buy where we Insiders buy! Our Insider's Guides help you find the savings so you can build your ‘Wealth Reserve’ to protect your lifestyle, now, and into the 21st Century. Your Unbiased Advisor: "Give a man a fish; you have fed him for today. Teach a man to fish; and you have fed him for a lifetime." Our Insiders show you how to SAVE $3,000 every year by buying your financial services online DIRECTLY—cut out the middle person’s fees, commissions, charges. Use your tax-FREE account.

https://www.amazon.com/Insiders-Guides-Discount-Financial-Services/dp/143480593X/

 

Create a college fund early so you will have enough

Our tax code allows us to invest for college with no tax liability. A 529 tax-FREE fund can be opened at your favorite financial firm. Make sure you pick a low-cost provider so you gain as much from your money as possible. Starting at age 1, you can build an adequate amount with no taxes. $1,000 a year for 18 years invested in a low-cost stock market account can provide $60,000. A low-cost market index has provided 11% over time. Cost is usually the sole determinate of investing success so Warren Buffett bet on the Vanguard 500 Index Fund to beat 5 hedge funds. Vanguard has a low-cost 529 plan for you and your state may make contributions deductible.

https://www.amazon.com/Your-First-Mutual-Fund-FREE/dp/1976074118

 

You can maximize your investment returns without an advisor

Cost is usually the sole determinate of investing success so Warren Buffett bet on the low-cost Vanguard 500 Index Fund to beat 5 hedge funds. Unless you or your advisor has insider information about a special company, every advisor is taking your earnings for their profits. Advisors are in the business to make money from YOURS. When I worked at a Wall Street firm, the whole sales structure of the firm was based on the level of earnings from each product we sold. Even so-called fiduciaries must put bread on the table in their very nice houses. Look at the real statistics for Investor Returns in every asset category. Compare them to inflation and each index. The closer your account cost is to the index, the better you will do. High cost means you are giving away your money. Since no analyst can predict the winners for next year or the next 20 years, you are better off paying 0.04% expenses. John Bogle, Vanguard’s founder noted: “that little 2 percent fee will erode 63 percent of what you would have had.” Annual fees, commissions, trading timing, account charges, etc mount up to help your advisor’s firm succeed.

https://www.amazon.com/Best-Predictor-Investment-Success-Cost-ebook/dp/B00O20BBBQ

 

 

?**********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 new regime

 

Trumpist’s Supremes end personal rights except weapons

 

Nov 8 2022 Trump’s “national revolution”

 

 

 

How Govt wastes our money:

Trumpists give Congress the finger: 2 coup planners keep plot secret: rich avoid justice

GOP in CO wants to end 1 person per vote then GOP rural voters can control winners

 

GOP sought pardons from Trump for efforts to overturn the 2020 election: conspiracy!

Biden charges ‘soldiers’ Proud Boys instead of the instigators of coup Trump, Meadows

“There will come a day when Donald Trump is gone but your dishonor will remain."

 

Supremes: OK border agents to use excessive force on anyone: agent push + IRS audit

 

SCAMS/SPINS:

Trump lieutenant indicted: refused Congress demand for documents: hide role in coup

Trump’s secret plot to end GA legitimate vote: fake Trump electors scheme found

Murder threat: Terrorists: 'hang Mike Pence' Trump says “Mike Pence 'deserves' it."

 

GOP against killing fetus but not against killing real children: 30 bullets rip bodies

44 % GOP: mass shootings are “something we have to accept as part of a free society.”

A GOP that support assault rifle ban to save our kids run out of town by lobbyists

OH wants teachers to shoot AR15 terrorist with handgun instead of police: 30 rnds in 30 sec?

 

GOP refuses discuss taking machine guns out of hands of troubled teens: blood on hands

2 year old kills dad: gun laying around, dad playing vid game: 5 year old witness

GOP says AR-15 assault weapon “helpful in shooting prairie dogs” [and people]

 

Does gun victim have to be Senator daughter first: “I got the blood and put it all over me"

 

Weapons of mass destruction: bullets fired, decapitated, children flesh so ripped apart ...

 

Angeli Gomez says Uvalde, Texas cops threatened her for speaking out: parent handcuff

 

Paris Brothers recalling cheddar, brie and pepper jack cheese products: Midwest states

RECALL: More than Jif: peanut butter products have been recalled 

 

SCAM: QuickBooks accounts “suspended” phishing attacks link to scam you

SCAM: USPS fake text “problem with delivery” link to scam you

SCAM: emailing/texting pictures of fake law enforcement credentials to ‘prove’ legit

 

DELAY: Carvana remote car buying but title or registration takes months: can’t drive it

SCAM: Investors have lost at least a billion dollars on crypto scams

SCAM: Sellers mask inflation by reducing package size and product amount: we get less

 

David Willingham Lentz caught mishandled exploited account lost $1.3 million suit filed

Lucita Zamoras caught Ponzi-type fraud $2.5 million in “safe investments”: jail

Drug firms keep insulin price too high for needy: CA seeks real cost info: make generic

Reserve Trust Fed master account revoked: bank account for banks to transfer money

 

IRS warns tax avoidance schemes taxpayers should avoid: wealthy not audited

Oil producers gouge us for record profits: Energy sector up YTD over 60%

 

Jobs

Walmart to open massive fulfillment center in south-central PA

Our mail by electric bikes: like EU, small no gas-guzzler postal ‘sidecars’

Ford plans to invest nearly $4 billion in the Midwest for next-generation vehicle

 

Dealing with inflation:  average Wall Street bonus increased 20% to $257,500

Where jobs went and came: market sectors that grew

Teachers have had it: half may leave for better working conditions/pay

 

Putin groans: Deutsche Bank has relocated several hundred Russian IT experts to Berlin

 

Who owns your account now?

Which sector has your advisor put you in?

Shopping for a mortgage: start https://links.bankrate.com/e/evib

Kohl's puts up a for-sale sign

 

Where’s our news/fun: https://read-vip.variety.com/html5/reader/production/default.aspx

 

Miracles:

Congress not like real parents: they never see what bullets do to our children’s bodies

New Social Security card free online: https://www.ssa.gov/ssnumber/

Proteins turn adult cell into stem cell: get sight back in mice: humans next

Mick Jagger, age 78 Keith Richards 78, perform Liverpool, Stones' Sixty Tour ('62-'22).

 

D-Day: millions began taking back Europe from Nazis dictatorship

Cured: rectal cancer patients: dostarlimab $11,000 per dose

Building walls convert sunlight into electricity: Australian office tower runs on itself

 

Anthony Perry Chicago man jumps on tracks to save man: gets car to get to work on time

A little compassion: https://twitter.com/Thund3rB0lt/status/1533949157651533824

Arctic burning already: The Siberian fire season may be more severe : northern Alaska

Worms (beetles) eat Styrofoam to clean environment

 

 

 

@

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/

What to do if you don’t have a tax-advantage account at work?

 

What to do if your investment account is down?

Hey, everybody has “lost” money in this market—on paper. Do what the Fed is doing with its $330 Billion “loss:” Fed carrying $330 B in unrealized losses on its assets according to Q1 financial statement. DO NOT SELL. If you need some cash before the market rebounds, sell $3,000 in down securities. You can deduct this amount against your other income on your taxes. You can avoid the two KILLERS of wealth accumulation—taxes and fees. Life is not without emergencies so wise investors have funds they can always tap if needed. Your paper “losses” can be overcome by waiting. Since 1871, the stocks in the broad market have maintained an annual return of 11%—a real return of over 9%. Unless you are a market timer, hold your assets like the Fed. Assets will again provide you with a long-term positive return. No one knows how long but if you sell you will definitely suffer a long-term loss of years of 11% accumulations. Don’t watch acct!

Use your “Go-to-Hell” fund: https://www.amazon.com/Your-Go-To-Hell-Fund-goes-hell/dp/1492325627

 

What to do if you don’t have a tax-advantage account at work?

Folks with 401k or 403b at work get to defer taxes by lowering their taxable income. They pay the tax on this income and the earnings on this income when they retire after age 72. Some employers even give them money to contribute. But many people don’t have this offer. Actually, those who don’t have a plan at work can get an even better deal—a tax-FREE retirement plan. By paying tax immediately, your contributions and their earnings can be completely free of federal and state income taxes. You can spend all your nest egg with no taxes. This also means your Social Security benefits (usually taxed up to 85%) may be tax-FREE too. Example: contribute your tax refund (averages $3,000) each year for at least 34 years and never pay tax on over $1 million. Warren Buffett is your advisor. You can spend the $102,000 contributions and the $919,768 earnings with no taxes. Even if you have a plan at work, you can use this IRS-OK account too.

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

 

Show your kids, grandkids how to build a $1,000,000 tax-FREE nest egg

Show them how to build a nest egg from the savings on all the financial services they buy. Most people waste $3,000 a year on overcharges. Our financial industry Insiders show you the "tricks of the trade" so you save up to $3,000 every year on banking, mortgage, education, 401k mutual funds, securities, annuity, insurance-life, health, disability, long term care, vehicle, homeowner's, lawsuit--vehicle purchase, estate legacy, wealth transfer, retirement spending . . . almost any service. You buy the best financial services and avoid high fees and commissions. Your savings builds your Wealth Reserve over time. You buy where we Insiders buy! Our Insider's Guides help you find the savings so you can build your ‘Wealth Reserve’ to protect your lifestyle, now, and into the 21st Century. Your Unbiased Advisor: "Give a man a fish; you have fed him for today. Teach a man to fish; and you have fed him for a lifetime." Our Insiders show you how to SAVE $3,000 every year by buying your financial services online DIRECTLY—cut out the middle person’s fees, commissions, charges. Use your tax-FREE account.

https://www.amazon.com/Insiders-Guides-Discount-Financial-Services/dp/143480593X/

 

Is passive index investing right for you?

Pick your index fund: over time, your diversified investments grow at about 11%. Investing your annual tax refund of about $3,000, it’s worth about $55,684 in 10 years, $213,795 in 20 years and $1,021,768 in 34 years. As Warren Buffett says, his fortune is due to compounding. Without compounding, our $3,000 for 34 years would be worth only $102,000. Of course the people who make money from your money will claim that they can make you even more money. However, even Buffett admits wise stock picking doesn’t last forever. No one has the perfect analytic tools to make perfect choices all the time. Buffett did well because he began investing early and his dad was a broker. He learned wise investing from Benjamin Graham at Columbia U. Unless you have insider information about a stock, you can reach your money goals easily just by using Buffett’s best advice. And your $1 million can be tax-FREE.

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

 

Are you ready for Medicare living help?

In 2020, about 50% of Americans living alone lacked the resources to pay for their basic living needs. 50% of elders in the richest country in the world can’t afford the basics! What kind of society does that? Some states are helping by covering the cost of Medicare Part B which costs $170.10 a month this year. Some cover Part D—prescriptions. Costs will go up next year with inflation over 6%. You may qualify for help if your total income is less than $18,347 (single) or $24,719 (couple). However, if your rent, utilities and phone are over $1000, you can’t afford much food or transport. Forget about getting sick—Medicare does not cover everything medical. A single aspirin can cost $30 per pill in the E.R. Since most people don’t read The Times, many in need don’t even know about these programs let alone how to fill in their long application forms.

Plan now: https://www.amazon.com/Will-You-Have-Enough-retirement/dp/1477594086

 

Are you stressed by financial troubles?

Six in 10 folks are uncomfortable talking about their financial stress with other people. Some avoid social events for this reason. Since our schools don’t teach how to deal well with money—beyond opening a bank account—we have two options: 1. pay an expensive financial advisor or 2. learn on your own. Most successful small business people had to learn on their own. Yes, they pay an accountant to help with some decisions but most working people earning less than $75,000 don’t need an accountant. The hardest part about handling money is learning control. Most of us are wasting HALF our income paying interest to someone via high cost credit cards, auto loans or over our head rent/mortgage expenses. Paying an advisor all your life can take up to 63% of what your savings could provide you. According to Vanguard’s John Bogle, “fees will erode 63 percent of what you would have had.” Learning what you need to know to control your financial life is easier now that we have the internet. However, since there is a lot of trash lying around to slip on, you need an unbiased guide. I had all my retired industry friends help me assemble all the information you need to succeed with your goals.

https://www.amazon.com/Wealth-every-school-graduate-century/dp/1466427906

 

Another way the wealthy transfer their taxes to us

With more money than most of us have, the rich can achieve self-sovereignty, freedom of travel and, most importantly, access to becoming a global citizen. A second citizenship offers a hedge against political and economic turmoil, as well as the recent travel restrictions. These folks can enjoy the best of American life and avoid the costs of living here. Favorable tax laws, opportunity cost, in addition to the growing amount of uncertainty of new financial legislation, are just a few of the reasons millionaires are seeking second citizenships. Their crypto provides a secure and decentralized record of transactions, their financial life is not an open book. They can enhance self-sovereignty through hard asset and real estate designated-ownerships. They can thus avoid new reporting requirement in the US. Friendly venues include Portugal, Antigua & Barbuda, and St. Kitts & Nevis. Because US citizenship protects them anywhere and they can avoid the taxes to pay for it, they can enjoy the best of the world without the costs.

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

 

 

 

?**********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 except weapons

 

Nov 8 2022 Trump’s “national revolution”

 

 

 

 

 

How Govt wastes our money:

As kids call for help; police says wait; calls for barricade squad: kids wear armor?

TX Pro life? Mr Ramos shot over 100 rounds: do hunters need 100 rnds to shoot prey?

Even if police read early media posts, insufficient law to put Ramos in jail: assaults legal

 

16 sitting GOP senators have accepted at least a million dollars from the NRA

Have our Reps sold us out? 65% of registered voters back stricter federal gun laws

 

Congress is really willing to continue mass murder of our children for war gun sales

In US a child shot every hour: only 243 Ukraine kids killed by assault guns Putin AK-15

 

Is your family next? Senators fear replacement if vote but not fear gun killings of family

OK hospital makes 233 mass shootings this year: AK 15 very popular: ready same day

 

$22 million Pentagon’s Advanced Aerospace Threat Identification Program (UFO)

 

Our $7,500 electric subsidy may be going to the wrong people: tax credit for rich only

 

SCAMS/SPINS:

America has more guns than people: like nuclear weapons, we can destroy ourselves 2x

Who benefits having assault weapons available to all? Politicos, makers, NRA, mafia

Senators’ kids not in public schools: Would an attack be enough to change laws?

Show the Senators the police pictures of 19 dead kids ripped by AK 15 bullets: insane

 

2005 Supremes: police have ‘discretion’ in not enforcing laws to protect people in threat

Supremes: NY can’t restrict concealed carry rights—‘everyone can carry any gun’ Wild

Supremes ignore the constitutional rights of their clerks: clerks need a really good lawyer

 

Supremes: “abortion not in constitution” neither is assault rifle killing 30 in 30 seconds

Trumpist ‘Wisdom’: Third World War 'Would Be Like No Other'

Former Trump advisor Peter Navarro formally filed suit 1/6 subpoena: Delay delay delay

 

GOP already tampering in MI voting process: party workers to scare Dems: GOP army

Supreme Alito delays counting of undated ballots in Pennsylvania: GOP deny our votes

 

Southern Baptist Convention list of clergy and other church staff accused of sex abuse

Christian nationalism in some GOP campaigns: politicians using Christ to gain power

Christian nationalism abortion ban will be decided at the very local local level

 

Western drought? Golfers take 40 million gallons for each green: haves vs have nots

 

Merrill caught overcharging for mutual funds: fees last forever class: fine, no jail

Morgan Stanley caught negligence failing to supervise Francisco Javier Valenzuela: fine

Ford caught: false fuel economy and payload capacity vehicles: fine, no jail 

ALERT: Tesla 758 complaints of unexpected brake 80 to 69 by Autopilot: Neck snap

 

Americans just gave Putin’s buddy oligarch Abramovich $3.2 billion not sanctions 

Hospital found loophole. Cancer screenings like colonoscopies are supposed to be free.

FDA is investigating a hepatitis A outbreak linked to fresh strawberries

 

Why we are taxed on our Social Security benefits: income >$34,000 benefits taxed 85%

Taxes will not be the issue by 2034 when benefits will be cut: rich stop paying SS taxes

 

BLM has the donations but lacks support of its constituents: leaders’ family benefits

 

LOOK OUT: Cruise may hit you: no drivers in SF

Best Worst bankers to make loan: JD Power ratings

RECALL Fresh Kampo and H-E-B strawberry a hepatitis A outbreak.
“I read BANNED books” Nashville library card: counter states that fear reading

Jobs

IRS no experience; $40K+ https://www.jobs.irs.gov/find-job/irs-events

Job openings holding at near-record highs

What it takes to be a queen: 70 duties/events/things you never guessed about ER

 

Ford adding new shift, 1,100 union jobs to Claycomo

 

Who owns your account now?

CUNA advisors to LPL 550 advisors across 250 credit unions: more mouths to feed

Buy BEST used vehicle: study of total miles, mpg, resale, etc going 200,000 mi

 

Miracles:

Annual sandstorm sends hundreds to hospital: Iraq to Kuwait

UFO no contact because Covid: they remember War of the Worlds: aliens died bacteria

Protest unconstitutional state law any way you can: teens fight FL bigots

 

Lithuanian citizens buy $5 million advanced military drone for Ukraine defense

Free ebooks: sites offer free reading but check the fine print first

7 simple habits can cut Alzheimer’s risk in half

 

Woman with misshapen ear received a 3D-printed transplant made from her own cells 

Study: those who drank 1.5-3.5 coffee daily with sugar, 29%-31% less likely to die.

Town dumps turned into solar farms: 207 megawatts of energy from 21 landfills

 

 

@

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/