Start investing without a saving plan
Most people can’t maintain a regular saving plan in order to
build wealth. You know why—there is nothing left after all our bills have been
paid. It takes continuous discipline to save money for the future. Every month,
our account is empty. There is almost nothing left to save. It is almost
impossible for us to keep writing a monthly check to our mutual fund or broker.
And worst of all, we have to make this decision over and over again—so we dread
it and don’t do it. Instead, we are told to increase the amount we contribute
to our 401k or employer plan. But that means giving up something else—maybe a
new truck or new kitchen. There is a solution to the “savings dilemma.” It does not require making a decision to save a certain
amount to be assured of a future. The solution is in a procedure we don’t have
a choice in—paying taxes. Almost all of us must pay income taxes on a regular
basis—usually each pay period. Our employer takes cash from our pay and sends
it to
https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072
How to pay for their college education
Most public college students pay less than $10,000.
Save $20,000 on the cost of private schools.
Use your Education Fund for tax-FREE cash.
Accumulate $100,000 in 15 years to cover most expenses.
Never give up your retirement savings to pay for college. There are no low-cost student loans for retirement. Let a tax-FREE account and the power of compounding help you help your kids pay for their educations. Why not let them provide as much of the cost as they can? After all, they will be the ones that double or triple their lifetime earnings because of this education. And … studies show students get more out of it when they pay for it. You need to protect your family and assets first. Don't pay more than your share. Financial aid and loans may cover much of the bill anyway. For your part of the expenses, use the accumulations in your tax-FREE Wealth ReserveTM if you have one. I will explain how this low-cost compounding account can easily cover your portion of tuition. This account can accumulate $100,000 in 15 years by using the savings from your current financial services budget.
https://www.amazon.com/Education-Funding-Save-right-plan/dp/1482549956/
What happens if you invest in the stock market all your life?
You become better off than in a stocks/bonds/other portfolio. A new study found “across a sample of three dozen countries over 130 years was that a mix of half domestic, half international equities actually beat blended portfolios in both money made and capital preserved.” Of course the question you and your advisor face is: “can you weather the ups and downs of the market?” If you try to sell equities to buy bonds at the right time and then switch back from bonds to equities, most studies show you lose a lot of money. So if you can invest for the long term in equities while managing a separate fixed account for cash needs, you could have success with investing. Designating a stock-only account and never touching the money is the best way to assure the best long-term outcome for you. Many people may start with this goal in mind but cave as soon as their equity account shows a temporary loss. Unfortunately, their advisor usually does what they say they want. They sell and buy later losing money. After all, the firm’s income is generated by “activity”, as my old brokerage firm boss used to say. Using the successful method as suggested by this study just reinforces the advice Warren Buffett has given us: put 90% of your money in a low-cost stock index fund.
https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592
********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
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
“Wannabe
Dictator” to
run our House of “Representatives”
Jan 2025 Dictator
pardons himself: his
Supremes agree
How Govt wastes our money:
NASA is paying SpaceX
on the Artemis III mission to head
back to the moon
Inflation
drops to 3.1% as Fed tightens for 2%: 3% is average
since 1960
We pay for drug
development and then drug co take $190,000
a year in sales
SCAMS/SPINS:
Real
Estate Scams to Avoid
Holiday
scams that costs us $ millions
Biden sells tank
shells to
Fake
Taylor Swift Quotes Are Being Used to Spread Anti-Ukraine Propaganda
Trump
Revenge begins: House impeachment probe of Biden for loaning son money
Trump
Supremes decide if Capital invasion was legal: rioters can help Trump Revenge
Trump
Supremes decide if women have control of their future families: 2nd
choice?
Trump Christianization
(Christian Nationalism) of the government: Christian
nationalism
Back to ‘good’ old
days: GOP Talking About Making Divorce Harder: women
property?
GOP to cut compensation
for people
exposed to radiation from
Kaival Patel NJ
caught health care fraud: promised special
prescriptions
Raymond J Pirrello
Jr NJ caught taking hidden
fees on equity investments
Many prosecutors
broke rules to win convictions and got away with it
Hidden
costs of annuity: sellers are NOT fiduciary so Best Interest to client is
void
Market-timers
plunge into equities as they reach historic highs—buying high to lose $
Student loan
servicer MOHELA accused of mismanaging
forgiveness
Tesla recalling
2 million vehicles over Autopilot safeguards: more safety?
Probe into over
450,000 Nissan vehicles on engine
failure
State Farm complaints:
slow claim payments, poor service, unexpected rate hikes.
Avoid “card draining:” steal
your money via gift cards after
you put money on it
Avoid ‘medical’
credit cards: bank not doctor charges 27% interest
Jobs
New jobs: switching
combustion cars to batteries in just a single day.
jobs.interestingengineering.com/
Who owns your account now?
New electric generation,
wind and solar are now the cheapest
options almost everywhere
Ways to Fix Social Security's
Funding Problems, According to Actuaries
Things for Surviving
Spouses to Know about Inherited IRAs and RMDs: many options
ABLE Programs Expanded
Eligibility for disabled to save without affecting eligibility
Miracles:
Climate summit
countries: “transitioning
away from fossil fuels in energy systems”
Home care expanding in
some states: disabled able to work with help vs institutionizing
Scientists boost
quantum battery capacity and efficiency
Silicon powder
batteries promise 10-minute
EV charging
@
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.
New theory may
finally unite
Einstein's gravity with the quantum world
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
@
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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