How to protect your
nest egg
Most of us are
concerned about our nest egg for the present and the future. Is locking it away
in a bank account or CD the best for us? This is the path many take. However
even at 3% inflation, a nest egg
shrinks—it can fall by HALF in 25 years. Unless you have a fortune coming
from relatives or a business sale, you may be in trouble. The way some of my
readers are protecting their egg is by making it bigger. Obviously you may need
to take a risk but they are using a calculated risk not a foolish risk. There
are immediate risks like gambling an egg at the casino or commodities or
leveraged product at your broker’s firm. An educated risk is one that you can account
for in your portfolio choices. These include diversification and quality asset
ownership. Some investors are keeping their stock market index balance higher
than suggested by their advisor. Some are changing their asset type to more
conservative ones like residential real estate funds. Some have purchased
individual rental real estate when mortgage rates were unbelievably low and
properties were cheap. We are now past that time of purchase and they are
looking forward to sales or a 1035 exchange. You can keep it simple by
comparing the long-term growth of a low-cost stock market index fund rate to
your present rate of return and picking the avenue that best suits your time
frame. Some readers are holding over 50% of their eggs for the long term in stocks
simply because they know that the 11%
average will help them in the future.
https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793
Market volatility
will continue: what to do?
There is no ‘safe’
investment: risk must always be figured into your investment strategy. Is it
risky to put all your money in high-interest CDs and money markets? Is it risky
to put all your money in any one investment? Most experienced investors know
that they have to avoid the extremes of risk since the situation can change
quickly. Right now both the stock market is above average (S&P500:
18.09%) and the fixed income market is above average (Five-year: 5.4%). Many
financial professionals get paid to speculate on which way markets will swing.
They have all been wrong at different times, so it is foolish to follow any one
guru. Most of my readers are telling me that they are “staying the course”
meaning they will keep their favorite current asset allocation. They have moved
from 70% stocks to a lower comfort zone as they aged. If they had 30 years to
recover from a stock market decline they were holding at 70-80%. As they
entered their 70s, they made another adjustment. Finally, most in their 80s
have shifted their ratio to 40-50% stocks. Some made changes every 10 years but
very few made changes because the market screamed “sell” or “buy.” Most have
financial future ‘insurance.’
Hold your
allocation: https://www.amazon.com/Financial-Future-Insurance-mutual-funds
********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
Billionaires
paid $881 million for votes in 2022
midterm elections
Nov 2020 Wealthy
discredit election process
Jan
6 2021 Direct
govt overthrow 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
Apr 9 Illustrated
Anne Frank book removed by Florida school
Apr 21 Trump: “I
am your justice”
May 9 Trump
guilty of sexual abuse
Jun 8 Trump
indicted by the United States of America
Violation
of the Espionage Act
Conspiracy to obstruct
justice
Making false
statements
Conspiracy to defraud the
Conspiracy to obstruct
Congressional proceeding
Obstruction of and attempt
to obstruct an official proceeding
Conspiracy against right to
vote
Attempted coup
d'état by
any other name
350+ people have
been sentenced to jail or prison.
Trump and His Gang Get the Mob Treatment
Aug 4 “IF
YOU GO AFTER ME, I’M COMING AFTER YOU!”
Mobster
#1 Enrique Tarrio gets 22 years
Mobster
Stewart Rhodes sentenced to 18 years
Mobster
Ethan Nordean gets 18 years
Mobster
Dominic Pezzola sentenced to 10 years
VIOLATION OF THE GEORGIA RICO (RACKETEER INFLUENCED AND
CORRUPT ORGANIZATIONS) ACT SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER
CONSPIRACY TO COMMIT INIPERSONATIN PUBLIC OFFICER FIRST
DEGREE
CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS
CONSPIRACY TO COMMIT FALSE DOCUMENTS
FORGERY IN THE FIRST DEGREE
CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS
FILING FALSE DOCUMENTS
SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER
FALSE STATEMENTS AND WRITINGS
SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER
FALSE STATEMENTS AND WRITINGS
Jan 2025 Dictator
pardons himself: his Supremes agree
How Govt wastes our money:
For every $1 the feds
spend auditing the top 0.1% of earners, it makes back $6.
We waste $22 million
making clothing
with sensors, cameras, and wires woven in
Navy
wasted $100 billion on Littoral combat ships that never worked
SCAMS/SPINS:
Trump claims under
oath to have saved
“millions of lives” as president?
Surgeons
scheduling two or even three operations at same time: fake billing
TX
to keep people from traveling out of state for medical help: seizing med
records
Scammers
pretending Geek Squad tricking people into giving their personal
information.
Ford is making
"hundreds of millions" on software, with margins
over 50% : car at cost
Cars are now
computers selling
our personal info to brokers
Network 1 Financial
Securities caught
not watching excessive trading: Reg B1
Wells Fargo
Advisors caught overcharging
advisory fees: fine $35 million
Filthy
Rich Politicians: what this wealth means for our political systems
Five advisors caught
failing to keep client assets safe, make audits
Avoid
these tax traps: not one account, tax-deferred, tax-free accounts, low
level tax time
Jobs
Disbanding police
forces, citing hiring woes
Shrinking numbers of primary-care
physicians everywhere
Shrinking industrial base—knowledgeable
workforce lost
https://jobs.interestingengineering.com/
EV
techs in great demand:Need
skilled EV tech: 800 volt system shocks, fires danger need knowledge
Who owns your account now?
Weird Facts about
Social Security’s Retirement
Earnings Test: benefits? 1st yr rule?
New
AC technology can save electricity and environment: temp rises; costs less
Secure Act changes
have made Roth
conversions even more appealing: minimize the tax
1%
down payment option, opening homeownership to more borrowers
Insurers cut
hurricanes, wind hail cover from policies along coastlines, wildfire
country.
Most buyers don’t
negotiate home loans: so pay
extra for years: younger, wealthier don’t
Credit card debt
just climbed above $1 trillion for the first time: delinquencies =
7.2%
Compares six
retirement withdrawal strategies to extend your retirement income: Report
Extension filing
deadline is coming up
Family governance
plan: passing
on wealth from creators to inheritors
Estate Plan Review
Checklist: help
ensure your legacies stay on track.
Miracles:
Headband may detect
signs of Alzheimer's in sleep
“Chronic diarrhea is
a tabooed disease”: now treatments
Scientists growing medicine-filled
plants to replace injections
Stem
cell breakthrough cures gorilla's arthritis in a first
Implantable
artificial kidney may end need for
dialysis and post-surgery drugs
Paralyzed
person controls a computer with their brain
the hottest
August — and hottest
summer — on record
Kushner’s Affinity
backed by Saudi
Arabia fund in first investment in Israeli company.
Biden canceled
7 oil and gas leases in
Blood test for
Alzheimer’s diagnosis earns high marks for accuracy
New lithium-ion batteries
could help power home from renewable energy
Inflammation
discovery paves way for anti-aging treatments
Controlled electrical
noise
stimulation improved mathematical learning
New cancer treatment
tricks tumors
into not spreading
@
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.
A ‘particle’ is an event;
not an objective thing. This event is set of complex relationships.
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
In place of atomic
lattice, light
waves used to create an optical lattice with same geometry
Physics Nobel Prize:
“entanglement” 2
particles share info instantly at a distance
Quantum
mechanics violates local realism: two objects behave as single system at
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
Strange state
of physics that allows energy
to flow frictionlessly through a material.
Bending light from
extreme gravity reveals largest black hole
so far
Curved
SpaceTime: heavy masses and simultaneously quantum effects become visible
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: created our time.
Our planetary
system: rarest
system: only 1% of all systems with same number of planets
Stars fueled by the self-annihilation
of dark matter might have been spotted for the first time by JWST
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.
New method to study systems
with long-range interactions: previously puzzling experts
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/
Physicists knew black
holes eventually disappear particle by particle. Now they think everything
else does, too.
Astronomers
discover raw
materials for life are present all across the Universe: methyl cation
@
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/ No AI used in these comments
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