Friday, May 3, 2024

Recall: Hazardous Products recalled this week: meat, drugs, devices, clothes, vehicle

How Govt wastes our money:                                                                       Apr-May 2024

NASA wastes taxes: Microgravity Disrupts Astronauts’ Gene Rhythms During Space

Biden to sell 50 military planes to Israel worth $18 B income to Boeing over time

 

133,000 households split $20 trillion 2020 as of 2023 up 47% with fewer 2017 taxes.

 

1,000 people died after police subdued them with this kind of “less-lethal force.”

NASA wastes $4.25 Billion on Jupiter moon as possible habitable ice ‘home’

3 out of 10 Americans have no retirement savings: we will have to pay higher taxes

 

 

SCAMS/SPINS:

"Strive not to be a success, but rather to be of value." – Albert Einstein

 

Recall: ground beef products sold at Walmart: E.coli  by Cargill Meat

Recall: Hazardous Products recalled this week: meat, drugs, devices, clothes, vehicle

Caution: Daily supplements have health risks: there is “too much of a good thing”

GM owners being tracked; data sold to insurers; insure rates raised w/o disclosure

15 million still have medical bills on their credit reports: they hold little predictive value

Walmart closes all 51 of its health clinics and shut its virtual health care operations

Scammers pose as "helpful" third party: offer to create a taxpayer's IRS Online Account

Vanguard starts $25 fee to trade on phone: hits those not using online trading account.

 

5 Sneaky Signs Your Doctor Is Gaslighting You

Cigna doctor: Bosses Pressured Her to Review Patients’ Cases Too Quickly.

Influenza virus particles have been detected in commercially sold milk: human impact?

 

Data breech at Chase

Dusty Sternadel TX stole $1.2 million elderly clients: promised fix of firm’s ‘mistake’

McMansions is devouring ‘modern’ architecture: bigger better destroying the past best’s

 

Marijuana as a less dangerous drug than Other Schedule I drugs--heroin, ecstasy LSD.

 

Jobs

jobs.interestingengineering.com/

65% of companies offer remote work arrangements: must address cyber security

New economy: workers left existing gigs and found new, higher-paying jobs 

 

Who owns your account now?

Labor expanded rule that requires professionals give us best retirement plan advice

Guide to the Hidden Fees of Popular Investments

Dream of retiring after 60 is slowly dying: 33% say they will not have enough money

United Methodist delegates repealed their church’s longstanding ban on LGBTQ clergy 

America’s Catholic Church sees an immense shift toward the old ways

End-of-Life Tax Planning Mistakes to Avoid

How to Lock In a $14M Estate Tax Exemption Before 2026

 

Many HSAs suffer from low interest rate yields and junk fees to switch

 

Average household wealth for under age 40 is up 49% from its pre-pandemic level

1/3 of us draining 401(k) plans as cost-of-living concerns and other stressors pile up.

 

 

Miracles:

Time-tested therapy for anxiety without a paid professional

Scientists restore brain cells impaired by a rare genetic disorder

 

 

 

 

 

 

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Lessons from successful investors

 

Is a HE loan right for you?

Home equity loans unlock ways to get cash for your financial needs instead of a bank loan. But they also put your home ownership at risk. HE loans or second mortgage are using your home as collateral. If the loan is not paid the lender can sell your home. These loans are usually cheaper than many other types of loans so they may be right for you. Home equity loans tend to be fixed-rate, while the typical alternative, home equity lines of credit (HELOCs), generally have variable rates. The interest paid on a home equity loan can be tax deductible if the proceeds from the loan are used to “buy, build or substantially improve” your home. However, with the passage of the Tax Cuts and Jobs Act and the increased standard deduction, itemizing to deduct the interest paid on a home equity loan may not lead to savings for some filers. Compare with other loans.

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

 

 

A financial planning checklist even if you have an advisor

Most of us are wasting more than $3,000 every year. If we invested that $3,000 a year, we could have all the assets we need to protect our families and futures. We even waste our largest savings amount: our tax refund—they average about $3,000 a year. Every year that we overpay for services costs us $100,000 eventually. Our wasted money could be compounding at the highest rates for long-term growth. And most of us do NOT use an account that makes our earnings and withdrawals tax-FREE. For example, if our retirement funds earn 11% but the hidden fees and charges take 3%, we are going to end up with $780,000 not $1,900,000 by retirement time. Adjusted for inflation, that means an income of about $1,466 a month instead of $3,333 a month. Plus, if we don't use a tax-FREE account, our pension income will be taxed at 25% or more. And don't think a company-paid pension or Social Security will save you! TowersWatson firm found pension underfunding is rampant. Social Security will exhaust its funds in about 2033. We know that income taxes will continue to climb to pay off two wars and two tax cuts. My conclusion is that we need to develop our own “lifestyle security”—a growing asset fund we can't outlive and that is not dependent on the government or employers. Using the checklist below, I will help you stop the bleeding.

https://www.thinkadvisor.com/2024/04/18/a-financial-planning-checklist-from-age-20-to-70-and-beyond

 

 

Yes, it’s possible to live like Buffett

Buffett still lives in the home he bought in 1958 for $31,500 — it's worth $1.43 million now. Even though his net worth is about $130 BILLION, he lives the life of a thrifty person. He often eats breakfast from McDonald's and still uses borrowed furniture when his children were born. He was a flip-phone and 2001 Lincoln car user. He has used coupons to buy lunch and drinks Cokes. He is proud of his thrifty ways and has promised to give away most of this wealth. He prefers to fill his bank accounts rather than his lifestyle with expensive spoils. Try building your emergency fund with his tips.

https://www.moneytalksnews.com/slideshows/frugal-living-tips-to-learn-from-warren-buffett/

 

Become a master communicator: connect with anyone

Ask meaningful questions, those that reveal a person’s values: rapport.

Get the person to feel that they’re in control of their life—career, money, goals.

Share a laugh but not at someone else’s expense.

People love to talk about themselves. Let them. Find out their interests.

If they know what you do or your interests, they may ask for your help.

Repeat their concerns back to them in your language; ask if you got it right.

If you have comments/help for them, make them as if you are sharing a beer.

People don’t like being lectured to; they want a friend to share with.

If you have a similar experience about their concern, share it and the outcome.

Take your conversation from this great beginning.

https://www.amazon.com/dont-have-money-Financial-Emergencies-ebook/dp/B01LYUI2JH

 

 

 

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?********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 ‘mug’ shot his symbol

 

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

 

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

 

Dec 2023: Trump using Hitler language to scare us

 

Wannabe Dictatorruns our House of “Representatives

 

MAGA kills GOP: Trump kills Reagan’s GOP

 

Jan 15, 2024: “God gave us Trump” the white christians’ savior 

 

Christian nationalism can replace democracy?

 

MAGA rules the Republicans

 

Presidential Immunity “If we say a president can’t be included in a criminal law unless explicitly named, then that would bar the Senate from convicting him for high crimes or misdemeanors because that means that he’s not subject to the law at all,” Sotomayor said.

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

Trump’s plans for America 2025-2028

 

 

 

 

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Miracles that made our world

 

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

New theory: no need for dark matter; dark energy: energy in universe due to erratic spacetime

 

“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

 

dark energy may have eroded over time: we’re seeing hints of dark energy evolving

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 

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