Friday, February 23, 2024

We pay $52 billion to chip industry for their higher profits

                                                                                                                                                                                 Feb 2024

                                                                                                                                                                               

 

How Govt wastes our money:

American socialism: $52 billion to chip industry to do what they already planned

We waste taxes to land on moon again after doing it 50 years ago at 100 times cost

TX court rules schools can enforce hair style decision by teen: no long hair

 

SCAMS/SPINS:

2 teens killed 1: injured 22 in shooting up the Kansas City Chiefs parade

1 killed 5 injured: argument escalated to gun battle at Waffle House in Indianapolis

Boeing finally fires bad manager and tries new quality control head

 

33 Hazardous Products That Were Recalled 

Teamsters give GOP donations: first in years: unions join new Trump reign

 

Trump now hawking $400 sneakers made in China to raise money to pay his lawyers

Will Trump ever pay $355 Million for his fraudulent business ways?  

 

You; followed from space: better satellite whose cameras can see individuals

 

How your bank account can be emptied by phone

Rafael Alberto Vargas Gonzalez FL Ponzi-like scam stole $6.6 million no license

Andrew Komarow CT barred from securities firms for life for “free-riding” $6.9 m

Jeffrey Davidson TX caught selling own private equity w/o firm OK: suspended 2 yr

 

Citigroup profits fall 40% so CEO Jane Fraser gives self pay rise of 6% $26 million

Recall: Toyota recalls 280,000 vehicles: "creep forward" when in neutral.

Recall: Volkswagen recalls 261,000 cars fire risk fuel leak: Audi, GTI, Golf, Jetta

 

Jobs

Gen Z is using TikTok to find jobs

Can Congress avoid layoffs from a partial government shutdown in a matter of days?

jobs.interestingengineering.com/

 

Who owns your account now?

The surge of 65-year-old Baby Boomers (born 1946-1964) will continue through 2027. 

Discover credit card to Capital One

Financial literacy classes growing in high schools: 25 states; up from 8 require it

what-to-do-when-a-loved-one-unexpectedly-dies: first considerations in front of you

 

 

Miracles:

New inhalable mRNA therapy offers a safer option for lung cancer

Replenished forests today cool the eastern US by 1C to 2C (1.8F to 3.6F) each year.

FDA approves a drug to treat severe food allergies, including milk, eggs and nuts

 

Frozen embryos are children, Ala. court decides: lawyers get busy: all abortions illegal?

$5 device accurately tests for breast cancer in under 5 seconds

Scientists make ultra-thin pacemaker that's powered by light

 

Ovarian cancer could be detected earlier via simple urine test

 

@

 

 

Lessons from successful investors

 

Missing tax forms?

Some mutual funds and brokers have delayed sending our reporting forms so far. They were due to us by February 1 but the IRS does not enforce their rule. Despite the delay or lack of forms, we are required to file by April 18 this year. Missing data can be estimated using a form (4852) the IRS sends to us. We will usually file an amended return (1040X) to provide the correct information where possible. From my experience it is better to file a return in time even if you have a valid excuse. Even if you are not required to file, the filing form may be helpful in some situations. You can avoid paying someone to file your return by using the IRS site: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free. If this way is not convenient, trained volunteers associated with the AARP may be able to help you. Find a trained volunteer: https://www.aarp.org/money/taxes/aarp_taxaide/locations/.   Access a complete listing of AARP Foundation sites, or call 888-227-7669 to be directed to a site.

Good luck. I use one of the low-cost software firms (https://www.freetaxusa.com/freefile2023) approved by the IRS: https://apps.irs.gov/app/freeFile/browse-all-offers/

 

 

Study: 100% Stocks

The Best Portfolio For Both Accumulation and Retirement Income?

An academic paper provides this startling conclusion: An even mix of 50% domestic stocks and 50% international stocks held throughout one’s lifetime vastly outperforms age-based, stock-bond strategies in building wealth, supporting retirement consumption, preserving capital, and generating bequests. Also this all stock mix creates the highest income replacement rate in retirement. One analyst’s conclusion: use a 100% stock portfolio with international exposure, if you really have the stomach for it. Remember, Warren Buffett has recommended an all stock (US) portfolio for our whole life too. Again in February 2023 the stock market is up over 7%! Stay invested – stop trying to time the market ups and downs. The long-term time line makes you a millionaire.

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

 

 

 

********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 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 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: 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

 

 

 

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

 

Oct 2 2023  Kelly, Trump’s staff, confirms Trump called our veterans/wounded soldiers, “suckers

 

Dec 2023: Trump using Hitler language to scare us

 

Wannabe Dictatorruns our House of “Representatives

 

Don’t get pregnant in Idaho: if you have an emergency, doctors told to let you die

 

 

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

Friday, February 16, 2024

How government wastes our money

 

                                                                                                                                                                                Feb 2024

 

 

How Govt wastes our money:

Trump encourages Putin to invade EU countries: we fight WWIII; $billions for munitions

Expensive Year in NASA’s Search for Extraterrestrial Life: Europa, Jupiter’s moon’s ice

Wasted taxes: NASA putting a nuclear reactor on the Moon: humans get sick in space

 

SCAMS/SPINS:

Tim W Leveroni Bruce A Rathkamp illegally signed client docs

IRS is warning about new 'refund' scam letters

Scammers took $50 million from elderly people, $30 at a time

 

Federal Trade Commission ordered the maker of TurboTax to stop misleading consumers

Rising premiums and difficulties in getting coverage chills auto insurance shopping

Texas trucker border protest exaggerated in out-of-context clips: fakes everywhere

 

FL deputy Jesse Hernandez shot at unarmed suspect after acorn hit cruiser: ‘scared’ him  

Don Novo recalls Cuban-style cured meats may carry listeria: return to seller

 

Jobs

 

 

Who owns your account now?

Atria Wealth Solutions to LPL: 2,400 advisors move

Large banks offering worse credit card terms/rates than small banks and credit unions.

 

Miracles:

A bookshop in Asheville is now sending banned children’s books back to FL kids

Pope canonizes first female Argentine saint

OR resident diagnosed with the bubonic plague from sick pet cat

 

Kansas couple at Chiefs rally disarmed a person pushing crowd with a gun

Researchers found origins of water in our Solar System before the formation of the Sun

Beach Boys Brian Wilson has dementia: US’s best band--dazzling harmony-filled songs

 

 

 

@

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

 

Is continuous or active portfolio rebalancing strategy right for you?

Continuous or active portfolio rebalancing is supposed to be the new strategy of choice among many advisors and financial experts. However, before you let your advisor talk you into this vision, remember that rebalancing can cause you to sell a security before it may continue to new high-value levels. You may be selling low and buying high. There is good science behind the strategy of NOT buying and selling frequently. Some investors take pride in not trading at all. Rebalancing may be profitable for your advisor but not for you. Many studies prove that an “active” strategy of buying and selling will not be as successful as the B&H one. Investors may prefer a ‘continuous portfolio rebalancing’ as emotionally satisfying compared with a long-term hands-off strategy. Most investors cannot maintain a passive strategy for long. They want an advisor that can “pick” the future ‘winning’ stocks even though very few can actually accomplish such a thing over and over. It may be better to use the top ten mutual funds over the long term.

https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

 

 

Why do some investors hold only the S&P500 model portfolio?

Why do some investors ignore their advisor advice to “manage” their portfolio by selling some winners and buying some promising growth stocks? Some investors just want movement in their holdings as apposed to holding the same old securities year in and year out. However, over time, holding the same large profitable businesses may make more sense for investors trying to build their retirement fund. Holding a low-cost S&P500 index fund is the strategy recommended by Warren Buffett and other proven experts. This fund provides consistent comprehensive returns from the largest US stocks. It reflects the US stock market long-term return of 11% per year.

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

 

 

Create a NO-pain emergency fund

Folks who have an emergency fund feel less encumbered by money. They feel secure in their every-day spending. They know that they will not be in a drastic situation if they have an emergency car repair or medical bill. They mind their money with complete confidence knowing they are prepared no matter what happens. Usually they skip paying annually for a home warranty policy since they have their emergency fund. They keep their fund hidden from extended family—especially those who tend to want to borrow when they are short. These folks tell me that they keep their fund growing by having small amounts taken from their checking account to a savings account on the day they get paid. They began with their tax refund ($3,000 or so) to seed the account. Since their goal was to have $10,000 or more in the account, they have $130 moved every other week. They may add their tax refund every year if needed. They have decided that only real emergencies qualify for the fund. Car maintenance, payments, insurance are NOT real since they can be “planned for” in advance. They swore by using a regular budget for expenses that they know are coming. These folks use a budget regularly so they only have “un planned” emergencies.

https://www.amazon.com/dont-have-money-Financial-Emergencies/dp/1537636707

 

 

 

 

 

********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 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 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: 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

 

 

 

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

 

Oct 2 2023  Kelly, Trump’s staff, confirms Trump called our veterans/wounded soldiers, “suckers

 

Dec 2023: Trump using Hitler language to scare us

 

Wannabe Dictatorruns our House of “Representatives

 

Don’t get pregnant in Idaho: if you have an emergency, doctors told to let you die

 

 

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