How Govt wastes our money:
Will
police get away with their failure to stop the killing of 21 in Uvalde
school
Trump
plans mass deportations: people without papers following neo-Nazis
plans
IRS allows many tax
statements to be mailed late—after 1/31—so refunds
late.
Should we fly in Boeing
737-900ER or Boeing 737-9 MAX? FAA
‘urges’ checks
SCAMS/SPINS:
Strategic Financial
Solutions caught
stealing $100 million from struggling families
J.P.
Morgan kept clients from communicating with the SEC re: violations: fine no
jail
Shray Goel, Shaunik
Raheja caught taking $8.5 million: fake
Airbnb Verbo rentals
Douglas McKelvey TX
caught taking
$1.7 million from two elderly brokerage customers
Tory Duggins NY
caught excessive
trades to eight clients costs of $444,176: suspended
Lack
of useful communications #1 reason to change advisors, survey says
10 cars with
the lowest "would purchase again" percentages. The
“dogs”
Pharmaceutical
industry giants raising
prices on 500 medications across 140
brands.
Rite Aid caught illegally
filling prescriptions for controlled substances like fentanyl.
Half of recent
Russian oligarchs
show how our wealthy have left America’s
economy destabilized
Recall: Robitussin
Honey CF Max and Nighttime Adult Due to Microbial
Contamination
Recall: Fratelli
Beretta's charcuterie meat and Busseto's Charcuterie Sampler salmonella
Recall: 600,000 Ram
trucks remedy environmental damage: illegal
emissions cheating
Recall: Ford recalls
2.24 million Ford Explorer SUVs over failed
trim-retention clips
Boeing
doesn’t need safe airlines: it gets more revenue from taxpayers than its
jets.
Boeing 757
operated by Delta lost
a nose wheel while preparing for takeoff.
GOP to ‘revise’ (cut)
Social Security and Medicare benefits: cut debt without taxing rich
Excessive social
media use linked to depression onset
6 months later
JD Power: wireless
carrier problems rated: AT&T, Verizon fewest network problems
FDA urges consumers
not to buy tianeptine
an untested antidepressant
Climate change and
conflict converge to disrupt supply chains: raise
prices
Jobs
Ron DeSantis quits
primary bid to join Trump
Over 55,000 new
apartments are expected from conversions
right now
jobs.interestingengineering.com/
Who owns your account now?
Simple will covers
your needs temporarily: answer
questions for legal will or ask lawyer
Do you get your spouse
SS benefits if she passes?
Find Cheap Flights in
3 Easy Steps
23% surveyed said
they only had a "few
days" of savings left to finance their basic costs
Turn unwanted gift
cards into cash
Top advice boomers
give pre retirement workers from their experience: Start
saving early
10 Secure Act Tax
Changes our advisors should share with us for 2024 and Beyond
Miracles:
You can now use a
wireless patch to deliver
your drugs
Air purifier removes
over 99% of viruses
Consuming plant protein
in midlife promotes good
health in older adulthood
Why 2024's Total
Solar Eclipse Will Be So Special
Gene Therapy Allows an 11-Year-Old Boy to
Hear
Chocolate insulin
could replace needles for diabetes treatment
@
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/
Lessons from successful investors
How much should you
invest for a $ million retirement fun?
Two factors
determine how much you should invest for a $ million fund: TIME and Asset
COMPOUNDING. Example: Sarah started investing at her job at age 23. She kept
contributing $250 for 35 years. She retired at age 58 with $1.2
million in her Tax-FREE retirement fund. She retired early to run her
family farm. Sarah’s friend Emily started investing $250 a month at age 45. She
figured out that she would need to keep contributing until she was 80 years old
to reach $1 million. She calculated that she would need to contribute over
$2,000 a month to retire at age 65, seven years later than Sarah. Emily was not
able to use the Miracle
of Compounding. This is the factor that billionaire Warren Buffett cited as
key to his wealth: "My wealth has come from a combination of living in
https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513
Is a home warranty
policy worth the price?
First, make sure
your appliances and home systems aren’t already covered. Most new ones are
covered by the manufacturer and by some credit cards you used to buy them. You
may only need a basic plan that covers the big necessities or a more
comprehensive plan. To determine the type of plan that you need, take stock of
your appliances and systems and focus on getting a warranty for older items. Gather
quotes from multiple companies so you can determine the average cost for a
home warranty that covers your prioritized items. You may never need the
policy so keep the cost within your budget. Policies don’t cover every expense
to the total cost. The average cost comes in at a little over $900 per year. Some
items on your list are generally excluded:
- Structural issues in foundations, walls,
paint and flooring
- Commercial-grade equipment or systems
- Pre-existing conditions
- Normal wear and tear
- Rust, corrosion and sediment problems
- Improper maintenance, installation,
design, manufacturer defect or previous repairs outside of the contract
- Detection and removal of asbestos, radon
gas and mold
- Building and zoning code violations
Shop for the right
coverage: https://www.usnews.com/360-reviews/services/home-warranty/how-to-buy-home-warranty
Is a 401(k) Plan
Annuity Right For You?
Some employers allow
retirement account owners to convert all or a portion of their savings from a
401(k), 403(b) or 457(b) plan into an immediate income annuity. But this is a
costly duplication of what you can do automatically. The mutual fund companies
that offer this plan claim it provides “enough predictable income to cover
essential expenses.” It may do that by charging you for the annuity guarantee. A
significant majority (79%) are worried they won’t have enough money to
last their lifetime, while 85% feel employers should take more responsibility
in helping them prepare for retirement. However you can take more from your
savings each month than the annuity provides by setting up an automatic
withdrawal plan through most mutual fund companies. Because you are buying an
annuity, you are giving up the possibility to earn more money in a low-cost mutual
fund. You will need income and growth
so that you will not outlive your retirement funds.
The Callan periodic
table of asset returns
This is a “periodic
table” showing annually with the relative performance of 8 major asset classes
over the last 20 years. Diversification illustration or single asset class
justification.
https://www.mymoneyblog.com/wordpress/wp-content/uploads/2024/01/callan2023.jpeg
Check your strategy.
********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 were 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: American
fascism
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
Dec 2023: Trump
using Hitler language to scare us
“Wannabe
Dictator” runs
our House of “Representatives”
Don’t
get pregnant in
Jan 2025 Dictator
pardons himself: his
Supremes agree
Trump’s
plan for America 2025-2028
Miracles that made us
Our Universe is a
miracle
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.
New theory may
finally unite
Einstein's gravity with the quantum world
Our Reality May Be a
Sum
of All Possible Realities
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.
Natural
‘missing law’ explain
how
universe evolved: functions increase in complexity over time
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
New
Astrophysical Models: Earth’s
Building Blocks Contained Water: metal oxides
IAN
973.746.2014
http://www.theinsidersguides.com/
Alerts available at http://dankeppel.blogspot.com/
No AI used in these comments
