Our new medical system: scrubs worn just for the ‘TV show’?
You get to watch the Dr
Skow ‘Show’ while he examines you from his (phone?) screen hundreds of miles
away in the telemedicine center that provides remote emergency care for 179
hospitals across 30 states. Physicians for Avera eCare work out of computer
screens (soon phones) instead of exam rooms. They
wear scrubs ‘to look the part’ of traditional doctors on camera, even
though they never directly see or touch you, their patients. If you can’t
afford a real doctor, this is what you get for your $144
a month Medicare B payment. Rural America
Buy only what you need: https://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083
First job investors: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355/
‘I don’t know a thing’ investors: https://www.amazon.com/Your-First-Mutual-Fund-FREE/dp/1976074118
Family Do-It-Yourselfer: https://www.amazon.com/DIY-Financial-Independence-Freedom-Workbook/dp/1088908500
Tax-FREE retirement: https://www.amazon.com/Tax-FREE-Retirement-use-code-lifetime-income/dp/1475206976
Your religious members: https://www.amazon.com/Enough-Retirement-Income-Incarnate-living/dp/1500165107
Young hate taxes: https://www.amazon.com/Tax-Shelter-for-Young-Americans/dp/1500426520
It will take a miracle to retire: https://www.amazon.com/Miracle-Compounding-Turn-9-day-into-million/dp/1470176513
What is the best investment strategy for you?
Fidelity study: best investment strategy for accumulation
over time was leaving
your money alone to work for you by itself. The accounts that were
forgotten or owned by dead
people showed the best performance over time. Warren Buffett, one of the
best investors, says the same thing—“We
continue to make more money when snoring
than when active." If you are not going to let your money work
for you (impatience),
it won’t grow as fast. This implies that Wall Street ‘professionals’ cost more
than they are worth! Fees,
trading, timing, special opportunities, etc are how we
give up 50-60% of our overall
potential accumulations by giving a ‘professional’ control of our money. In
almost every period, we investors are better
off using an index than an advisor: 11% vs 3.79%.
Let Buffett be your advisor: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963
Your fund’s return--market index up 26.03%?
Low-cost
investing in a diverse company fund like the Vanguard 500 can help you meet
your goals. It also provides greater diversification, less volatility and more
predictable earnings over time. We don’t need to worry about picking the right
stocks or time to buy them. Most
working people can accumulate $1 million for retirement with just one fund
automatically invested from their paycheck. It
is so simple: it’s like brushing your teeth—once you start it becomes a
habit you do ‘automatically.’ This is Buffett’s strategy for investors: “A very
low-cost index is going to beat a majority of the amateur-managed money or
professionally-managed money.” He says you put your investment on autopilot and
forget it. Chart: your total goes
down sometimes but then it goes up 11% over time.
Is a ‘buffer’ annuity right for you?
Advisors love to have a new product to talk about so you
should expect to hear this one buzz at you. Buffer annuities are invested in
complicated structured products (such as options contracts). Structured
products often provide the potential to offer higher returns, but also carry more
significant risks than the traditional mutual fund investment because of
the types of underlying investments (including emerging markets and REIT index options,
which can be inherently more risky). Thus they do NOT provide full downside
stops—only buffering your fall partly. Compare this situation to a
variable annuity which provides less and an indexed annuity which provides more
protection. Your ‘buffer’ is more complex and thus more misunderstood than a
simple indexed annuity. ‘Buffers’ probably cost more because of the controlled
risks involved in structured investments.
Avoid the unknown: https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019
Social Security benefits
The 2020 cost of living increase will be eaten up with a
higher Medicare B 2020 increase to $144. If medical costs are part of the ‘cost
of living’ index, you would think the SS increase in 2020 would cover the
medical increase. Since
all the rules for SS benefits are complicated, who can argue? Most retirees
agree that we should have started saving for these increases long ago. We
should have dealt with inflationary increases by investing in securities that
matched the long-term growth of successful businesses. We must own stock in a
bunch of successful businesses and earn
11% over time.
We still have time: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle/dp/1466394285
Tax-FREE retirement just got bigger
IRS just increased
the amount we can stash in our tax-deferred or tax-FREE accounts. We can
put up to $26,000 into tax-advantaged accounts. Regular 401k and IRA reduce
current taxes but cost more when we retire. Roth 401k and Roth IRA provide more
tax-sheltered
money when we take money out. We could invest $250 a month in a Roth 401k,
receive our company match and spend
$1,000,000 tax FREE later: Cost
only $99,000.
Tax-deferred or Tax-FREE: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938
**********ACCOUNTABILITY**************
Like 1776, this period
is a test
of democracy—do we really want ‘low-IQ’
Mobster?
How Govt wastes our money: Congress spends another 1.7 Trillion we don’t have!
Trump
buying or just taking TX land from family farms for WALL
easily breached.
$7.5 Trillion
uncollected taxes from ONE percenters makes our system a joke for US.
Supremes
hide Trump’s financials from Congress: democratic check-balance dead!
Trump’s businesses funded by US: mob
lieutenants eat/stay only at his restaurant/hotels.
Trump
puppet spent $3 million to improve her image: Pence aide to cut our
benefits
GOP
buying up Jr’s book in bulk making it a ‘best’ seller
SCAMS/SPINS:
Frederick Randhahn caught
selling Woodbridge notes; not allowed: suspended & fined
Neil Burkholz Frank
Bianco caught
taking $6 million in Ponzi; options ‘profitable’
Joseph Viet Duy Phan
caught
borrowing from client w/o OK: defrocked
NYLIfe caught
selling high-risk funds so clients lost $1.4 million: fined, refunds
Financial firms fight
for growth by grabbing others’ clients: Goldman’s retail bank
Goldman Sachs caught
rigging prices for bonds issued by Fannie Mae and Freddie Mac.
"Secret
Sister" an internet-wide
gift exchange: pyramid scheme scams name, address, etc
House to help SEC “recover
money scammed from hard-working Americans." GOP ‘no’
Online scams: too-good-to-be
true pattern discounts on Facebook Instagram: Research
Facebook
spent over $12 million to tell 29 Congress members what Zuck wants/needs.
Sutter Health caught
paying kickbacks to Sacramento Cardio Surgeon’s 3 docs for biz.
Hospitals/insurers
to post prices: but actual full price omits millions of add-ons to bill.
Drug makers caught
pushing drugs through gifts to charity: healthcare system broken!
Overpriced
unreliable vehicles from CR:
Chevy, Jeep, Chrysler, Acura, Tesla, VW, Alfa,
Boeing
board did nothing re: 737 until 2 plane crashes: investor lawsuit claims on
board.
Juul
markets flavors to underage kids because Juul knew unverified age: Follows
tobacco
Netanyahu indicted
on charges of bribery,
fraud, breach of trust: sound familiar?
Trump caught
using family foundation as a mobster’s slush fund: legal abuse example
Trump claims to open
new Apple plant open since 2013. Exempted Apple from tariffs.
Elections
administrators: 2020 preparations for what could be record-breaking
turnout.
Who owns your account?
Jobs
Jobs at WH: You get what you
pay for?
Tax
deferred & Tax FREE 2020 maximums increase: start early
Miracle:
9
yr old fills in for Trump’s food stamp cuts at least in one community: 8,000
lose food!
Pakistan’s
glaciers melt: taking out farms; everything
IAN
41 Watchung Plaza,
B242
973.746.2014
Alerts
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