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
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
Nov 2020 Wealthy
discredit election process
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
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
Paris
Brothers recalling cheddar, brie and pepper jack cheese products:
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
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/
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