We waste $1,819 a year on being ‘tricked’ on the financials we buy

 

Get your teen started on their $ million tax-FREE fund

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 about $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. I have used this 'Wealth Reserve' as I call it to have funds to buy low-cost insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a month in retirement supplement. Now your child can build an account that provides tax-FREE education and retirement income too. Market up 7.85% already in ’23.

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

 

Get your own retirement supplement fund going NOW

Social Security Retirement Fund on Track to Go Bust in 2033: Trustees Report is warning. If Congress does nothing to help, we will get about 25% less in retirement. If you have no other means, what will you do? Congress people earn $ millions extra from insider trading but that is illegal for us. The best way to be ready is to earn money on your money without any income taxes. That may give you an extra 20-30% when you need an SS boost. If you work for a living, you can put away $6,000 a year. If you have 15 years till you stop working, you can double your money by then using a low- cost market index. Buffett’s advice: “bet on America.” Over that time, the stock market returns vary but historically you will be rewarded. $3,000 a year (the average tax refund) will compound without tax to over a $100,000. For instance, from 1971 to 2022, the annual market total return was 12%. When you retire you can keep compounding your cash without tax and so spend every cent you earn without income tax.

Start now to cover SS shortfall: https://www.amazon.com/Your-ZERO-Tax-Account-Wealthy/dp/1482772795

 

When the media has bad financial news, look where we’ve come

I don’t sell and try to pick a bright stock. I look at the last 20 years’ returns: 9.71% per year. I look at this historical record by DALBAR’s Quantitative Analysis of Investor Behavior (QAIB). I look at the stats like this one. Timing the market ups and downs does not work. According to Standard and Poor's, the average annualized return of the S&P index, which later became the S&P 500, from 1926 to 2020 was 10%. At 10%, you can double your investment every seven years. In a less-risky investment such as bonds, which have averaged a return of about 5% to 6% over the same time period, you could expect to double your money in about 12 years. I see these charts in my mind’s eye when I hear a Wall Street guru tell me how to invest. If you are investing for a long-term goal, you are wise to follow Warren Buffett’s advice: you need only 2 low-cost mutual funds to retire comfortably.

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

 

Will a financial course help you navigate your way to wealth?

There are many online courses about your debts, savings, and investing. Most will teach you something that can be helpful. You may have certain questions that are answered generally—not for your specific solution. On the other hand, you may feel more comfortable finding the answer yourself instead of giving money to a broker/advisor so you can ask them questions. My experience working at 3 brokerage firm was eye-opening. I never found an unbiased financial person until I started doing my own homework. I read Warren Buffett, John Bogle and a few other successful investors who DON’T sell products for a living. Making money is simple unless you try to outsmart the Masters. Mr Buffett says: “My wealth has come from a combination of living in America, some lucky genes, and compound interest.” His long-term investment strategy: contribute to just TWO funds for long-term goals like retirement.

Unbiased advice: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

 

Is it better to consolidate all 401ks in your employer plan or IRA rollover trustee?

You may have the opportunity to keep your employer plan options when you retire. Leaving your money in place is easier than transferring it to a mutual fund trustee. On the other hand some retirees like to transfer their 401k into an IRA rollover account because they have more investment options or rock bottom fees and charges or both. You can decide by comparing costs and the options available at a large fund complex. For instance, if you like a Target-Date Fund you may have more choices with a large fund complex. If you like using an advisor after you leave your employer, you have many more choices in the financial industry universe than with your employer. However, remember that advisors may take up to 63% of your total returns in fees over time. If you were using a market index offered by your company plan, a comparison of prices may be all you need to do. Some low-cost providers offer the S&P 500 index at low or no cost.

Choice is important: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

 

We waste $1,819 a year on being ‘tricked’ on the financials we buy

A new study shows financial illiteracy costs the average American $1,819 in 2022. If we invested this money instead of giving it to sales people, we could have over $100,000 in 20 years. We could buy financials like we buy stuff at Costco and Walmart. Most of those with money have learned to save on just about everything including insurance, our employer savings plans, our car purchases, our banking, mortgage and the rest. Saving by shopping for all our financial products is easier than we thought because we have the internet and “direct” sellers. Direct sellers like Vanguard, Fidelity, SBLI, GEICO, internet banks and mortgagers offer low-cost products so we pay less and keep more. One analyst estimates we could give up 63% of our total earnings in fees over time. Learning how to shop for financials is NOT rocket science. Some save $3,000 a year.

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

 

How much does it cost to start investing?

The easy and lowest cost strategy to start in the market is to buy SPDR Portfolio S&P 500 ETF (SPLG) in a brokerage account. ETFs are index funds of a specific asset. This ETF consists of shares of the top 500 US companies so you get a little of everything. This ETF costs only 0.03% of your total investment per year. Its 5-Year Average Annualized Return was 11.0%. The SPDR Portfolio S&P 500 ETF is the cousin of State Street’s SPY the famous fund. It has a lower expense ratio tailored to price-conscious everyday investors. The fund was only recently converted to track the S&P 500—prior to January 2020, SPLG tracked the SSgA Large Cap Index. SPLG’s average trading volume comes in substantially lower than SPY, offering somewhat lower liquidity—and its AUM are a sliver of the SPY’s total. For buy-and-hold investors, this shouldn’t be a concern. Assets under management:  $15.9 billion. Each ETF share costs under $50. If you keep buying this security over time you should be able to amass a fantastic account in a few years. At 11% a year, over time you can double your money every 7-9 years. Just keep buying—don’t trade or quit. The Miracle of Compounding will make you rich.

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

 

 

 

?**********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 assault failed: guns & bombs ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

“I don’t f—ing care that they have weapons”

 

Trump 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

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

ER gets full: Millions poised to lose Medicaid as pandemic coverage protections end

Killing way of life: ‘We’re NOT going to fix it’: The GOP response after Nashville

Floridians able to carry concealed guns without a permit: settle dispute easily anyone

 

IRS helps wealthy raise inflation: new planes/yachts are deductible so we pay their taxes

IRS: Average taxpayers "should not be worried" about more audits: ‘famous last words’

$27.2 billion NASA 7% increase funding for Artemis go around moon: we already did it

 

Biden blames Trump for Afghan exit mistakes: Biden made bad choices: accountability

 

SCAMS/SPINS:

Fake charity scam: Request donations for disaster common by phone, email and texts

Beware of abusive tax avoidance schemes: list is long and complicated

GOP tilts Supreme: Thomas accepted luxury trips of TX GOP without disclosure

 

Millions of dollars are going missing every single day thanks to crypto-related crime 

Goldman Sachs caught marking millions stock orders as long instead of short: just fine

Merrill caught charging clients in undisclosed foreign exchange fees for transfers

Integrity Advance owners caught avoid paying back for illegal payday lending activities

Baby powder tainted with carcinogen: J&J kept that info hidden regulators/public: years

 

Only in US: bank managers get bonus for running bank into the ground: pay as stock fall

Scam: Employee Retention Credit claims; false claims generate compliance risk

Falsifying Business Records is a crime in NY: move/ rename money was regular event

 

GOP ‘freedom’ means men decide where you pee, your name, your health care, jobs

GOP ‘freedom’ means removing cities’ rights to set own policies, make dictatorships

 

TN GOP expels 2 elected Dems asking more gun control: deadly school shooting

 

MD Catholic Church abuse: 600 kids: chaining/whipping teenagers; abuses in hospital

 

Honda recalls 564,000 CR-Vs in cold states to fix frame rust: loosens suspensions

VW recalls 140,000 SUVs due to faulty passenger-side airbags: don’t ride

Bigger SUVs Pickups loved by driver but increasingly people killers

TX to become key gambling state despite Christian ideology

 

Americans in need of health care must now belong to correct ideological group for help

 

Pope Francis wearing white puffer jacket: Faked with the artificial intelligence

Fake: Ted Cruz tweet regarding kids killed by war gun

1 in 3 baseball fans can’t afford tickets this year: $58.61 avg cost + $51 food, park, etc.

 

Hair growth/loss products violate FDA FTC laws: lies, lies, lies

 

Jobs

Tesla pays Owen Diaz $3 million for endured racist discrimination as a contract worker 

New jobs decline: Fed thrilled with fewer working but rich keep pushing inflation up

 17 Worst-Paying College Majors

 

High-Paying Work-From-Home Jobs That Pay Well ($100K+ Salaries)

 

 

Who owns your account now?

Best used cars that fell in price starting at $19K: some down 13%

Best Full-Service Wealth Management Firms Ranked by Investors — J.D. Power, 2023

Time to shop: homeowners pay $2,825 for home insurance in 2023, up 30% in two years

 

Can assets in a “defective” trust receive step-up basis (no gains tax) on owner's death?

IRS explains their process delays: many returns still not processed from 2021, 2022: wait

 

Miracles:

Trump: great teaching lesson for white criminals: con men, scammers, vigilantes, terrorist

Crime pays: Trump’s fundraising after indictments pay off: $4 million raised in 24 hours

Somehow GOP Greene thinks Trump is like Jesus: “killed by government”

 

Revolutionary blood test that can detect over 50 genetic diseases: needs confirmations

 

Factory explosion survivor, on fire, fell into chocolate vat

Finland to join NATO on Tuesday, Sweden still waiting: 1300 miles Putin headache

87% of the cars sold in Norway last month were electric.

 

WI votes to put judicial decisions back on track: future on abortion and voting rights

WV transgender athletes can compete on female school sports teams: Supremes turn?

 

 

 

@

 

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

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a 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

 

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.

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/

 

 

 

@

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/

 

Avoid losing in a Ponzi: lessons from the most revered “criminal” Ponzi

 

Avoid losing in a Ponzi: lessons from the most revered “criminal” Ponzi

Google Bernie Madoff. He was close to regulators, held post at NASDAQ, and had his own Wall Street firm. “His famous Ponzi scheme destroyed the life savings of hundreds of investors and completely fooled supposedly sophisticated money managers.” First a few (feeder) money managers, calling themselves ‘experts’, told clients he would make them money with little risk. Experts take a cut but give Bernie the money to “manage.” Bernie looked legit even to other ‘experts’ who checked him out—until one guy analyzed Bernie’s returns over time. It took time and financial analysis which most ‘experts’ don’t do. Bernie sounded good in public presentations. He often acted secretive about his ‘formula’ and sometimes refused wealthy people’s money. Some early investors got their expected returns so told every one that they got in early and made a bundle. Some were part of affinity groups that added more legitimacy. They start out willing to listen and then they fear missing out on the deal other members got or will get. They write checks to the person not the trust or custodian like Vanguard. They never check if licensed at brokercheck.finra.org/. Most folks never asked to see his track record on investment specifics. Warren tells the truth about most bad investment like crypto because he doesn’t sell it and he has analyzed many scams. If the scheme is so good why would they give away their secret to you? Best advice: if it sounds too good to be true it probably is. Don’t jump on the next crypto train. There were no assets in crypto banks. Which personalities make you fall for scams? See money scams.

https://www.amazon.com/Money-Scams-2014-insurance-financial/dp/1505437962/

 

Is a QCD tax-deduction right for you?
IRA owners age 70½ or over have the option to transfer up to $100,000 to charity tax-free each year. These transfers, known as qualified charitable distributions or QCDs, offer eligible older Americans a great way to easily give to charity before the end of any year. Moreover, for those who are at least 72, QCDs count toward the IRA owner's required minimum distribution (RMD) for the year. Like other IRA distributions, QCDs are shown on Line 4 of Form 1040 or Form 1040-SR. If part or all of an IRA distribution is a QCD, enter the total amount of the IRA distribution on Line 4a. This is the amount shown in Box 1 on Form 1099-R. Then, if the full amount of the distribution is a QCD, enter 0 on Line 4b. If only part of it is a QCD, the remaining taxable portion is normally entered on Line 4b. Either way, be sure to enter "QCD" next to Line 4b. Further details are in the final instructions to Form 1040.

Avoid taxes on all your retirement savings: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072/

 

Another regulator mistake

Approval of the “Index-Linked Variable Annuities” is another financial disaster waiting to happen. As a gift to Wall Street and the life insurance industry, you can lose more than your shirt to the sellers of this incredibly complex and expensive product. Most of the sales people who sell these products don’t understand them let alone can explain the down-sides to us. They earn high commissions up front and then torture you with fees, expenses and mortality charges for the rest of your life. When the brokerage firm I worked for sold them, I had to deal with the misunderstandings and re-interpretations in the sales pitch and contracts that incited the buyers. Yes, there is a guaranteed interest rate (annuity) but it is usually not worth the frustration. Also if you have an emergency and need the money, you will need to pay 1-9% of your contract value to surrender the policy. If you like what the sales person tells you about these vehicles, ask a fee-only CFP to review the full benefits and costs.

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

 

Industry advice on how get rich is all WRONG

Some online money sites claim to connect you with some of the “sharpest, shrewdest investors” anywhere for a Free second opinion. The Free ‘questionnaire’ is just lead generator for brokers. You give name, location, and phone. You DON’T need a ‘sharp, shrewd’ investor/broker. You only need to follow Warren Buffett’s advice.

WRONG: Spend $50/mo for home warranty instead of building an emergency fund. Fact not sales hype: What about car, health, family, other needs?

WRONG: Repair your credit score with credit-“building” loan firm. Through a series of installment loans for which your loan rate is NOT divulged until you sign loan papers. Fact not sales hype: Double, triple min payment on smaller loans first. Score goes up.

WRONG: Invest small amounts in “lucrative real estate holdings.” Past “average annual rate return of 5.29% over the past five years.” Fact not sales hype: More hidden costs take your net earnings. Stick with Buffett’s advice.

WRONG: Buy some form of long-term care, like nursing homes or independent living facilities. No one wants to think about going to a home one day, but you probably will. Fact not sales hype: 4% of Americans over 65 live in nursing homes. In addition, 2% of Americans in this same age group live in assisted living facilities.

WRONG: Buy art shares. Art market had a record-setting season: “over the last 26 years, art prices have outpaced the S&P 500 by almost double.” Fact not sales hype: IF you know what art to buy, some people make $ millions.

WRONG: Chase down new online banks paying 16 times more on your savings if your bank only pays 0.23%. However, make sure you can get money if you need it this week.

WRONG: Invest in certain gold companies and they give you Free silver as bonus. Fact not sales hype: before you do read the headlines about bits and pieces to make you rich.

WRONG: Use certain online loan consolidators to find best one from many lenders. Fact not sales hype: it is only when you are turned down for your loan that you learn the requirements, real rate and contract signing costs. Ask many questions at local lenders.

WRONG: Use certain online car insurance consolidators to find “low-cost” insurers. Like most of us, you’re probably paying too much for car insurance. But shopping around for a better deal can be a hassle. However, these firms earn commissions from getting you to give all your data on another questionnaire to receive a price quote. Warning: sellers will call/email you for the rest of your life. Fact not sales hype: Call three of the popular insurers in your area. Insurers change their rates and target buyer groups every couple of years so you must keep checking. I call every two years to obtain the best deal for me. And it is cheaper to buy Umbrella liability from the same firm. Warning: sellers, not you, save by ‘Bundling’ your coverages. Home insurers market benefits differently.

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

 

 

 

 

?**********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 assault failed: guns & bombs ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

“I don’t f—ing care that they have weapons”

 

Trump 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

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

First Republic's courtship of the wealthy led to meltdown: we pay to make them whole

FDA knew of positive test months before latest infant formula recall: delayed 3 months

Credit Suisse still helping wealthy dodge U.S. taxes, Senate finds

This is why we have the inflation we have: too much money for toys not chip factories

 

TX votes down emergency pricing orders to secure power in storms: cold left TX cold

 

SCAMS/SPINS:

Trump indicted charges payment made his consort: failed report campaign “expense”

Trump: threatened others ‘death & destruction’: red flag court?

Trump The Angel of heaven: “The final battle” stop ‘Satan from deceiving nations’ Rev.20

 

Pence testify grand jury investigating January 6: “he endangered my family” I Forgive

 

Manhattan D.A. receives threatening letter with white powder

Tucker: indictment ‘greater assault’ on democracy than Jan. 6 but great for our revenues

GOP Rage Against Criminal Charges: Law Order Prison when Dem or Hunter or Blacks

GOP see indictment as boon for Trump in 2024: followers open up empty wallets

 

 

 

Boebert: “The guns are the most important thing”: for fun, protection, ID, hunt

Police feared war gun in Uvalde shooting: we are all at risk—kills in seconds

NC residents can buy handgun without permit from local sheriff

Some states are banning war guns to protect citizens: others want more kid killings

 

GREAT IDEA: “Gun fun” gun ranges with rented assault weapons: you go; guns stay!

 

Grade school killings three children dead: war gun sprays death to kids, adults fast

Why talk about “motive”: 6 more are dead!: thousands of AR-15s sold daily Pandemic!

Poll: Patriotism, religious faith, having children, tolerance used to define us: falling away

 

FL student's 'discomfort' causes cancellation of civil rights class: Nazis taught DeSantis

FL Parents Say They’re Enraged and Afraid: DeSantis medical board bans med help

TX judge stops ACA covering Preventive Services: cancers, diabetes, and mammograms

 

Deepfakes & AI Could Destroy the 2024 Election: check where you get your info

Taking tax advice on social media can be bad news for taxpayers

 

Gouging: High egg prices send profits at largest US producer soaring more than 700%

 

Compromise ‘mills’promoters claim their services are needed to settle IRS debts for less

Scammers using fake charities to dupe taxpayers, especially following major disasters. 

Scam: USPS Forever Stamp,$17.98/100PCS. $139/1000PCS! 80% OFF STAMPS.

John Woods GA caught Ponzi scheme $25 million over 10 years: promised 7%

Surage Roshan Perera NY caught stealing $4 million from an investor: defrocked 7 times

 

Texas abortion funds resumed helping finance people’s out-of-state procedures 

Cigna Saves $Millions by Having Its Doctors Reject Claims Without Reading Them

 

When Buying Car Insurance, Bigger Isn't Better: CR top picks

50,000 Tesla Model X vehicles over front seat belts: some don’t work

Honda recall 330,000 vehicles due to mirror cracking issue

 

78% of patients disputed medical bills had charges reduced or removed: tricks cost us

Our IQ scores drop in four of five measures: 3D rotation (spatial reasoning) increased

 

Jean Vanier living saint hiding sect’s deviant activities from church authorities.

 

 

Putin puts nuclear weapons at Ukraine’s door:

Putin court jails single father of a 13-year-old who drew antiwar picture in school

 

Jobs

The number of workers below $15 has halved: it’s bare existence at $2,400 a month

Tech Jobs Are Still Paying $120 an Hour

Best Jobs for Self-Employed Workers

 

 

Who owns your account now?

Best Laptops of 2023: CR best per use—pay for what you need

CA Prius drivers wait months for new catalytic converters: stolen from over 100

 

Miracles:

Scotland Is the First Western Democracy to Get a Muslim Leader. 

 

NC GOP helps 600,000 low-income residents get health insurance: Obama victory

 

Layton Hoyer Granby MO fought raging flood: save woman in sinking SUV: broke seal

Jeff Neil Exeter, stops attack on plane crew and possible cabin exposure

Electric Brooklyn building heats from deep Earth: less CO^2

 

Redefine Meat offers 3D-printed meat sales in Europe: Soy and pea proteins, chickpeas, 

Instant beer powder is here thanks to a German monastic brewery

Drug can reproduce the positive effects that exercise typically has on our muscles, bones.

Plants make popping sounds when thirsty or under other kinds of stress just like us

 

 

@

 

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

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a 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

 

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.

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/

 

 

 

@

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/