Best annuity for your retirement
Some annuities cost you nothing and the benefit increases automatically without you paying more premium. Some annuities are tailored to your age so that you receive more later and less earlier. Some annuities cost a lot. Some require no extra payments. Some annuities can provide a growing benefit and still provide a lump sum for emergencies. Some annuities provide a benefit only—the beneficiary cannot surrender the remaining principal. Some annuities are tied to an underlying high-cost variable account. Most annuities cannot be cancelled. Some annuities provide a periodic benefit for one or two lives. Some pay a benefit for a certain time period. Get the right one for your lifestyle.
https://www.amazon.com/Your-FREE-Annuity-Stream-Lifestyle/dp/1497438616
What is the New American Retirement System?
Protect your family and assets with your financial wealth. Borrow from your System to pay for large purchases. Buy whatever you need without going into debt to others. Self-insure manageable risks—invest the premiums saved. Buy financial services wholesale--save $3,000 a year. Manage your System in 1 hour per year. $2 million can produce $160,000 a year in retirement. There are no taxes either.
This book will show you how to:
Create a $2,000,000 tax-FREE Retirement System.
Use the best legal tax shelter: no taxes . . . ever.
Tax-favored over a 401k even with 6% match*
https://www.amazon.com/New-American-Retirement-System-Reserve/dp/1461030072
Retirement savings amounts very skewed to the wealthy
The average account balance was $141,542 for 2021; the median balance was $35,345. This disparity means that a small number of plans with very high balances skews this often-quoted average upward. The American middle class has a difficult time saving for retirement with low wages, high inflation and increasing housing expenses. Not everyone is benefiting from the tax deduction for contributions since many small employers do not offer 401k plans. The self-directed IRA requires starting early to obtain the maximum benefits of tax-favored savings. Very few high school curriculums offer a tax-benefit IRA course. It is up to parents/grandparents to get their offspring started on the journey.
https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355
Is a money market account right for you?
This account, available at most financial institutions, is favored by anyone who says, “I don’t want to lose money in the market.” For instance, Vanguard Federal Money Market Fund’s investment objective is to seek to provide current income while maintaining liquidity and a stable share price of $1. However, maintaining a stable share price of $1 means that you cannot keep your purchasing power over time. Thus your money is not ‘safe’ and over time, your $5000 will buy less than it did before. Yes, you will earn interest but you will also owe taxes on any gain. A bank savings account may be a better vehicle for short-term savings. If you are saving for retirement, a ‘safer’ place for your money is a balanced (stocks and bonds) mutual fund. Over time you gain part of the positive market return in the form of share price rising and also stock dividends paid and bond interest earned. Some of my readers use such an account for their emergency short-term needs since they have accumulated quite a balance over time. “Borrowing” $5,000 from their $250,000 balanced mutual fund like the Vanguard Wellesley Income Fund costs them little. That $5,000 may be repaid to their account in a year or their gains on the $245,000 in a year may be enough to cover it. Remember, “never bet against America.”
Use Buffett’s strategy: https://www.amazon.com/Warren-Buffetts-Investment-Strategy-Forget/dp/1484822900
Why investing the same amount of dollars each month is important
Smart investors have learned the trick of investing to accumulate the greatest number of shares with the same amount of money each month. Over time, you receive fewer shares when the price is too high and more shares when the price is low. You are buying without overpaying for shares. Last December, for example, shares were expensive so your monthly investment of $250 bought one share of Vanguard Health Care Fund. But in June 2022, your $250 bought 1.358 shares (shares were cheaper). In this way, if you had started buying shares 10 years ago, your $250 would have purchased 1.689 shares. You can see that over the last 10 years, you would have more than 200 shares not 120 shares at the higher price. In 30 years, with more shares and the share price appreciation (dividends and increased value), your $250 a month investment may be worth over $500,000. This strategy is called ‘dollar-cost averaging’: you buy low and accumulate more shares. Over time, shares worth more. And you can make it all tax FREE.
https://www.amazon.com/Money-Ball-Investing-Winning-unfair/dp/1548831409
?**********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 Biden
“I
don’t f—ing care that they have weapons”
Trump was “detached
from reality”
Trump
used mafia-style intimidation on the defenseless
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
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
How Govt wastes our money:
Drug
makers win: threat to Congress: price controls not set, drugs
not created for us
We
are going into debt to pay oil’s record profits for gas and food: Exxon
sets records
Few
profitable corps pay 15%: Congress gives loopholes, subsidies: we
pay 30+%
We pay salary; Congress
makes fortune on insider information: we go to jail for same
Manchin
limited EV cars to slow change from gas: climate to get worse
Sinema saved wealthy
taxes in Inflation Act to keep
funding from hedge fund owners
Like
mob boss, Trump takes the 5th : can’t ‘self-incriminate’: NY
AG proved fraud
Of course, FBI will
take back stolen
SCAMS/SPINS:
Suit outcome depends
on his lawyers not justice: Alex uses his $45 millions to appeal
TX
GOP taking lessons from dictator on migration and marriage and hate
GOP
votes to let drug makers charge unlimited price for insulin: not pro
life for illness
Informant tells where stolen
US secret nuclear documents hidden in GOP HQ
“Insanity: doing the
same
thing over and over and expecting different results.” 2020 vote
NC
schools to pack AR-15 instead of waiting for Sheriff Buddy Harwood: 30
rnd/min
GOP
denies election valid then claims win: supporters have lost their minds
GOP
claims Biden uses Gestapo tactics: now they feel what
it was like under Trump
GOP
terrorists "tailgate" primary ballot boxes. This voter
intimidation in red states.
IN
drug firm moving jobs out of IN to keep, attract more diverse staff: pro
choice
Tesla caught
false advertising: false claims on capability of autopilot
SPIN:“Dietary supplement is
not a substitute for a healthy, balanced diet,” study says.
RECALL:
Complaints: 2020 Ford recall front
brake hoses rupturing prematurely adequate?
Lee Weiss PA caught
advisor fraud related to a Ponzi-like scheme: fine 5 years prison
Hello Digit caught
used faulty algorithm caused overdrafts and penalties for customers
SCAM: So-called
wrong number/text: you get engaged and they pop you for cash
SCAM: PayPal invoice scam: give
password to clear wrong debit and they pop you
Rent-A-Center caught
deception, overcharging thousands: fine no jail
Celebrity
promoted NFT artwork has no disclaimer: celebrity
is part owner
BEWARE: Facebook
traffics in hate group searches: ‘ban’ hate makes more searches
Walgreens
helped flood San Fran with opioids: thousands of orders deemed suspicious
Covid
test expiration date extended by FDA
Five Things Your Advisor May Get
Wrong About Social Security: make
appointment
Jobs
½ million get jobs July: market
grows 14% a year last 5 years: inflation takes the extra
Educators: educator
expense deduction rises to $300 in 2022
MetLife
to hire 400 for Global Technology Hub
Fastest
growing occupations: projectionist, turbine techs, ushers, nurse
practitioners
Who owns your account now?
Home buyers with “excellent” score (760+) pay $288/mo less than buyers with “fair”
Best hospitals in US: maybe worth the trip
Consumer Reports: 7
Hybrids to Save You the Most Money on Gas
Best truck rental firms: Uhaul, Budget, Penske
Best low-cost vehicles to own for 5 years: Kelly Blue
Best ideas for a lifestyle retirement: prepare for a future with others
Use your education credits for students and yourself
Miracles:
Floods
bury cars in Death Valley: BIG change in climate is here
Speed up: climate
change might affect the rotational speed of the planet: snow to ocean
Arctic
is heating up four times faster than the rest of Earth:
“If
the cost of standing up for the Constitution is losing the House seat, then
that’s a price I’m willing to pay,”
Gas
suddenly cheaper: did
One
person makes a difference to KY community that comes together to save neighbors
McDonald's
plans reopening its restaurants in Ukraine over the next few months
FBI
raids Trump’s FL mansion: missing FBI & defense texts: unindicted
co-conspirator
@
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 in
universe: galaxies to stones 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!
There is no TIME at this
level because of force fields come and go in all directions.
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.
The electricity we use comes
from the field around the wire not from election itself.
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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