Friday, September 22, 2023

Which is best for you: T-bills or Treasury bonds?

 

Which is best for you: T-bills or Treasury bonds?

The current Treasury yield curve is deeply inverted, offering 5.4% for one-year T-bills and just 4.3% for 10-year Treasury bonds. The 10-year rates a year from today are no more likely to be higher than lower than they are today. It is hard to know if the short-term boost is worth missing the longer term high-yield bonds. The trick is to know when to move back into bonds when the market changes. For most long-term investors, this way to pick up a bounce in income may not be worth the disruption in their accounts. Remember market timing like this is impossible 2 times in a row—getting out and getting back in—at the right time. The future is unknown and the safest strategy is to go with the most likely outcome: Buffett’s strategy.

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

 

Paying regular monthly fees and charges can cost you big bucks

Are you paying bills on an installment basis? Are eating out/take-home more than once a month? Are you Paying for Streaming Services You Don’t Use? Are you Paying ATM or Checking Account Fees? Are you paying higher interest costs on loans? Are you NOT comparison shopping? Are you paying extra fees to your money manager or broker? If this is your pattern, over time, you are giving away $ thousands that could be earning you more for your future goals. The difference is HUGE: Over your “investing lifetime, that little 2 percent in fees [and charges] will erode 63% of what you would have had.” That could mean have $500,362 instead of $878,570 ($250 per month for 40 years at 6 vs 8%). You will need that extra $378,208 because of inflation costs in 40 years.

Buy wisely: https://www.amazon.com/Stop-wasting-000-every-year/dp/146108394X

 

5 Simple Steps to an Awesome Retirement

When you’ll retire: The longer you stay in the workforce, the more money you’ll be able to save for retirement through your 401(k) plan and IRAs.

Where you’ll live: If you decide to move somewhere else, you’ll need to consider how much it will cost to live there in terms of housing, food, taxes and transportation costs.

How you’ll live: You will need to consider how you will spend your time—still working or semi-retired with other things (a hobby) to do. In a recent survey of retirees, the number one project for retirement was to find a hobby.

Where will the money come from: savings, investments, SS benefits, part-time work.

 

What about health care? This may be the most expensive part of living for another 20-30 years without paid coverage. Calculate the costs of health care in retirement at https://www.healthcare.gov/retirees/. You may need to buy a supplement policy so you need to save more, invest smarter, and raise your annual contributions to your 401k and IRAs. Consider maintaining your stock market exposure at 50% in early retirement. Remember, for many, retirement may last 25-30 years and a 100% fixed income portfolio may just not make it. Pay a one-time fee not 1-2% a year for 40-50 years. Work with a fee-only fiduciary adviser to keep more of what your portfolio earns.

https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

 

Credit score facts

Some folks think you need to carry a balance to have a great score. Lenders want to see that you use credit responsibly, not that you carry a balance. Medical collections with balances of $500 or less should no longer appear on your credit reports. Unfortunately this does not include medical debt on your credit card. If you do not receive help removing incorrect data, file a complaint with the CFPB at consumerfinance.gov/ complaint or call 855-411-2372. Keep a record of who you talked to. Myth: You need to keep your credit utilization rate (credit you’re using compared with your total credit limit) under 30%. Credit firms are not exact but if you’re using a high percentage of your available credit, or you’re close to maxing out your credit cards, that can have a negative impact on your FICO score. Closing an account with a balance may cause a spike in your score. Carrying a paid-up account can help your score since a zero balance can last up to 10 years. Updating your income doesn’t negatively impact your credit score. You don’t need a ‘perfect’ score of 850 for best credit. Any score above 800 reflects a credit worthiness shared by very, very few people and will not prevent one from obtaining any kind of credit.

Learn more: https://www.amazon.com/DIY-Financial-Independence-Freedom-Workbook/dp/1088908500

 

Advisors set to hide annuity products under different names

Goldman Sachs analysts have spotted shadows of new types of annuities, or annuity-like products, spawning. GS found that companies are developing a “next generation income solution.” The analysts noted insurers’ hunger for “products that offer investors exposure to potential market upside coupled with downside protection.” This sounds like an annuity—perhaps the registered index-linked annuities or RILA. This variable indexed annuity matches that description. “Some of the most innovative annuities coming out in the next year may look a lot different. Some may not even be called annuities.” No matter the name, insurance company products are usually expensive investments with narrow and limited exposure to market gains. Technically, these products are marketed as growth investments with little or no downside risk because that is what older folks want—high earnings and no losses.

Beware hidden fees: https://www.amazon.com/Lies-Financial-Advisors-Told-alternatives/dp/1478281545

 

 

 

********ACCOUNTABILITY**************?

 

 

Like 1776, this period is a test of democracyWe 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 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 limitJ6 comm threat

 

January 6, 2021A 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

 

Apr 7 2023 One GOP guy decided which drugs we can use

 

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 

 

Aug 1 2023 Trump indicted by the United States of America

Conspiracy to defraud the United States

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

 

 

 

Aug 14 2023 Trump & 18 indicted by the State of Georgia

 

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

 

 

Aug 24 2023 The Don, Racketeer: GA jailhouse real ‘mug’ shot

 

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Biden wasted $50 million gut renovation of the Situation Room: plush above boardrooms

Air Force ‘lost’ an $80 million F-35B near Lake Marion: no budget for reward money yet

Gold highs may produce sales that are taxable as asset gains

 

SCAMS/SPINS:

Trump is a threat to American democracy" Colorado Secretary of State 

Half of us expect misinformation spread by AI to affect who wins the 2024 election

Romney: GOP ‘doesn’t believe in the Constitution, law, tolerance, fair elections

 

Auto insurance prices are rising at their fastest pace in 40 years

GTT travel caught duped travelers into booking on American: extra fares and fees.

Qantas caught selling tickets for cancelled flights

 

Why we wait weeks to get doctor appts; doctor wastes hours clicking med screens 

Patients’ are paying more than 100 times that of the generic cost: pharmacies make killing

Medicare will never call you unprompted and ask you for your personal information.

IRS Debunks Trust Strategy for Income Taxes

 

 

Tempoe OH caught tricking us into expensive leasing agreements: retail hidden costs

"BLASTPASS" bug can install malware without user interaction.

E.R. visits get longer

WellsFargo Carrie Tolstedt banned from banks: pay $21 million to regulators.

Ron Ernest Filoramo caught inducing clients to trades not completed

 

Ethan Christopher Martin caught using client funds improperly; fine

SW Financial Peter Girgis caught churning client $1.06 million in high-risk stocks

Bishop: local churches, schools must pay for clergy child abuse, rape, theft

3D-printed vegan salmon filet in Austria: global fish stocks are overfished

 

GA jury to charge Trumpers Graham, Loeffler, Perdue and Flynn as conspirators too

Another co-conspirator claims I was just doing my job!” Nazi defense invalid

Regulators Blast Union Pacific for Running Unsafe Trains

You Can Unsend and Edit Text Messages on Your iPhone?

 

 

NM Gun violence declared public health emergency: leading cause of death for children

DeSantis: FL residents don’t need new vaccine to avoid virus: no proof from Dr

Capitalist’ state FL turns to socialist state method to fund hurricane property insurance

 

Jobs

China surreptitiously recruiting Americans with specialized skills to help its army

Jobs near you

73% said they “respect skilled trade as a career” putting it second only to medicine

 

The 19 Best Places to Sell Used Clothes Online and in Person

IRS looks to hire 3,700 employees

jobs.interestingengineering.com/

 

Salesforce to Hire 3,300 People

Most-used independent source of info on K-12 403(b) plans: 403bwise.org

Retirement plans: JD Power’s best and worst: American Funds, Schwab, Bank America 

 

Tesla new design: die cast complex EV underbody in one piece rather than 400 parts 

10 Construction Jobs with the Fastest-Growing Wages

10 Companies That Hire for Remote Admin Jobs

 

CVS, Peloton and DoorDash among top 25 companies offering hybrid jobs

 

 

Who owns your account now?

Wiley Bros.-Aintree Capital sold to &Partners

When NOT to pay off mortgage

Paying off mortgage can decrease your credit score: crazy bankers’ formula

 

Streaming services can cost as much as cable: fast internet plus 2 SS may cost more

Find your net worth: financial calculators easy to use

20 Dark Chocolate Brands, Ranked Worst To First

 

6 Best Credit Cards for Bad Credit 

Independent advisors offer clients 5% and up to $10 million in FDIC insurance.

CDC recommends everyone ages 6 and older get the new COVID-19 vaccine

 

New Legacy IRA QCD allows for up to $50,000 in charitable donations in one tax year.

IRS accepts different types of third-party authorizations

Retirement: home-related expenses trigger financial unpredictability

 

Retirees fear inflation, price hikes, cuts in SS benefits, no time to save more,

Women claim SS benefits too early, miss ex’s benefits, spouse makes wrong move

$2,000 Saver’s Credit depends largely on your income: folks don’t know about it

 

New at-home COVID-19 test: order four free tests per household COVIDTests.gov

Recall Kraft Singles American processed cheese: plastic chokes

 

 

 

 

Miracles:

Hearing loss is associated with increased cognitive decline: hearing aides slow decline

Newly discovered protein within cells may help stop the aging process

Unique longevity mechanisms in long-lived mammalian species can be exported

 

Retirement investments can compound at 10%: $250/mo reaches $1,594,195 in 40 years

Exercise may prevent Alzheimer’s disease: body releases hormone irisin.

Majority of young adults think proper spelling doesn’t matter anymore

Climate change will likely bring back-to-back storms soon

 

 

 

 

 

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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

 

 

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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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