Showing posts with label gun & kids. Show all posts
Showing posts with label gun & kids. Show all posts

Friday, February 10, 2023

Another way Wall Street helps wealthy avoid taxes

 

No one knows why the market is up

The market index is up over 7% so why do some advisors claim we are having a recession. Others think a new rally is not impossible. What does this mean for the middle class, for retirees, for Wall Street? When in doubt, do nothing. Trying to find the next market winners has never been successful. Following the latest technical charts has been mind-bending. Advisors must still make sales to keep their jobs so of course they must pitch something. Some will be successful in their guessing; others will not and we don’t know in advance. The bosses at my brokerage firm used to say “we need activity (securities either bought or sold) to make money. Go through your book.” One of the greatest investors, Warren Buffett, says “Our holding period is forever.”  Lucky investors who follow his advice to use the Vanguard 500 Index fund are enjoying 9.5% over the last 5 years. Most advisors have not beaten that return history.

Control what you can control. https://www.amazon.com/Millionaire-Mutual-Funds-Save-taxes/dp/1534939490

 

Another way Wall Street helps wealthy avoid taxes

The wealthy sell their thousands of losing stocks in profitable companies to take the loss against their income to reduce taxes. Then they buy similar profitable companies back so they can take advantage of another round of this tax deduction trick in the future. Since they own thousands of the shares, they create big deductions for future tax benefits. Since 1921, claiming tax losses from so-called wash sales — selling shares of a company then buying them again within a short period — has been forbidden. But former MS chief Steve Ballmer collected his losses anyway because, technically, the types of shares he bought and sold weren’t the same. Both Shell and BHP offered two different versions of their common stock. For each company, the two stocks were legally distinct, but they performed very similarly because they were shares in the same company. Goldman Sachs, which conducted the trades on Ballmer’s behalf, used the stock market’s natural volatility to make this legal tax trick to help him cut taxes. ProPublica estimates that from 2014 through 2018, Ballmer was able to generate tax losses totaling $579 million without changing his investment portfolio in a meaningful way. The tax savings from these losses amount to at least $138 million. The data comes from the PP “The Secret IRS Files” series. Most of us with wage income cannot deduct more than $3,000, while the wealthy can easily deploy $100 million in capital “losses” to cancel out a $100 million gain from selling some of their vast holdings. Most of the wealthy can avoid taxes and run up the deficit for the rest of us to pay off.

Our alternative:  https://www.amazon.com/New-American-Retirement-System-Reserve/dp/1461030072

 

 

 

 

 

?**********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

 

 

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 assault 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 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

 

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’

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Canceling Trump tax breaks for the rich would cut deficit spending automatically

Firing workers won’t cut deficit: collecting from wealthy tax cheats would cut it.

IRS targets Black men with kids making 30-40K for audits: get easy IRS promotion

IRS can’t decide if 19 states’ pandemic/inflation checks are taxable.

 

Navy planned end of 8 “lemon” ships: FL repair firms’ lobbyists told Congress keep jobs

Chinese spy balloons went undetected: why pay Pentagon?: Trump claims never knew

 

SCAMS/SPINS:

Not one of 8 on scene hesitated killing powerless fellow American citizen. Not one!

MO GOP vote to let children carry guns in public: insanity and death


Hidden fees, junk fees, add-ons: FTC says they know: can Congress stop them?

Seven ways to spot a Ponzi scheme, and other scams: be ready, they are waiting for you

AMC to charge more for good seats in movie theaters: soon streaming will cost more

30 states have sports wagering: promise of massive revenues, which haven't materialized.

 

FL school library removes all books: educators can be charged with felony 

 

Scam: TikToker shared her cancer journey and raised thousands on GoFundMe

Fresh Creative Cuisine fruit sandwiches fruit cups recalled due to possible Listeria

Fabuloso cleaners recalled for risk of bacteria exposure

 

 

Mario E. Rivero caught defrauding elderly of $626,000: personal closeness

Atul Makharia CFI’s SC caught sold complex VRSPs to retirees; unsuitable products

WellsFargo caught charged us for unneeded auto-collision insurance; lied to investors.

 

“Do Not Drive”  older Honda Acura if air bags not replaced: explosion can hurt

 

“Why is an 8-year-old carrying a sidearm in the street?”: GOP kills gun safety for all bill

 

Trump: I am victim of prosecutors like “even the late great gangster, Alphonse Capone! “

NH gov: Trump “crazy”, belongs in mental institution but still support him for 2024.

“Follow the money” Koch Billionaire Network Wants to Defeat Trump in 2024

 

Rep. Boebert suggests God used her to stand up to McCarthy: but Kevin won: OMG

Trump’s Supremes can’t agree to act with integrity: leaking decisions, voting GOP, etc

 

Jobs

½ million Americans got a job so Wall Street falls—they wanted more unemployment

10-fastest-growing-jobs-many-pay-over-100000.html

Construction industry needs to attract 546,000 new workers this year 

Retailers are on pace to open even more stores this year than last, at a rate of 3-to-1

 

Who owns your account now?

Price new car hit a record of $48,681: one year’s pay!

Stronger Wi-Fi signal

Medicare ‘flex cards’ are not as advertised: need Medicare Advantage policy

 

Some insurers won’t cover certain Kia and Hyundai models staggering theft rates.

Why do we receive such bad medical service/advice?

 

Miracles:

IRS special Saturday hours for next four months at Taxpayer Assistance Centers (TACs)

 

 

 

 

@

 

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.

 

Mass–energy equivalence: E=mc^2.  At the smallest level; Everything is moving a little

Energy into matter: scientists converted light energy directly into matter in one step

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a 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

 

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.

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.

The electricity we use comes from the field around the wire not from election itself.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

 

 

 

@

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/

 

 

Friday, January 13, 2023

New Years Resolutions: avoid financial mistakes

 

Vanguard: “A balanced portfolio still offers the best chance of success” 

Tradition offers the balanced advice. History says EMM and Small Cap follows decline for large stocks. But any smart market watcher must admit it is difficult if not impossible to time the market. The balanced portfolio with some tilting provides fair returns over time. Some older readers overweight the more stable Vanguard funds like Wellesley Income since it has proven a 9% plus return for a long time. Most notable for my readers’ favorite funds is the fact that costs are much less than a Wall Street firm portfolio.

 

2022 Total Return Vanguard Fund   Long-term Return      Longevity

-19.8% 500 Index                                            10.8% since 1976

 24.0% Energy                                                   9.4% since 1984

-26.4% Extended Market                                 10.0% since 1987

 -0.8% Health                                                   15.7% since 1984

-30.1% International Growth                            10.2% since 1981

-14.9% PRIMECAP                                        13.4% since 1984

 -9.5% Small Cap Index                                   10.6% since 1960

-8.8% Wellesley Income                                     9.3% since 1970

-2.9% Windsor                                                11.3% since 1958

-12.9% Windsor II                                           10.7% since 1985

-10.2% Average                                               11.1% *           *Average Annual Returns as of 12/30/22

Invest like billionaire Warren Buffett. Invest your tax refund for a $1,000,000 retirement fund in 35 years.

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

 

Don’t waste your money on these expenses

Advisors don’t know what will happen in 2023 and beyond so don’t waste that 1-2% on quarterly fees, market timing schemes, or firm’s “special circumstance” stocks. If these folks were consistently picking winners, timing or lowering fees, we would all know about it. Big banks fire investment strategists. Financial writers recommend gold as a hedge, home/car warranties as protection, and consolidating debt as 2023 money moves. These are money wasters. My readers have found that cost of financial services is the best predictor of success: pay less; keep more. This is why Warren Buffett recommends buy and hold a low-cost market index fund for everyone who does not have his investing prowess. He is wealthy. His advice is FREE.

https://www.amazon.com/Warren-Buffetts-Investment-Strategy-Forget/dp/1484822900

 

New Years Resolutions: avoid financial mistakes

It is easy to get into trouble financially. Once you have a credit card you will use it and may run up debt. We have all done it but at 29% interest, it would take 5 years and $317 per month to pay the $9,045 interest and original $10,000. You pay double only IF you cut the card. If you are also paying off a student debt, you might lose your credit score. If you buy a car/house that requires continuous care, you might be over your head. Same if you quit a job before you have another or stayed at an old one too long. Raises don’t keep up with cost increases. Adequate car and term life insurance is all you need for protection. Phone service deals may help you. As Consumer Reports repeatedly warns, many extended auto-warranty policies are a bad deal. A review by Consumers’ Checkbook of home warranty plans found they rarely are worth the price or hassle. Better to invest for a rainy day: $317 a month for 5 years in a low-cost market index will provide about $25,000.

https://www.amazon.com/Simple-Financial-Life-stop-paycheck-paycheck/dp/1441499326/

 

Investment strategies to fund long-term retirement expenses

There are 4 styles of investment during the long retirement spending period according to the research of Murguia and Pfau. Four of the broad strategies identified include a total return preference, in which a person spends systematically from a diversified investment portfolio focused on total returns; an income protection preference that involves building a lifetime income floor with fixed annuities; a risk wrap approach, which builds a lifetime income floor with variable annuities offering lifetime withdrawal benefits wrapped around a risk-based portfolio; and a time segmentation preference that resembles a bucketing strategy that uses less volatile assets for shorter-term expenses and riskier assets offering higher growth potential for longer-term expenses. According to Murguia and Pfau, approximately 35% of individuals between ages 50 and 80 identified most closely with the income protection approach. This is followed by 33% who preferred a total return approach, 17% who preferred time segmentation and 15% who favored a risk wrap strategy. “With this distribution of preferences, it is misguided to narrowly promote one type of retirement strategy as above others,” Murguia and Pfau conclude. Warren Buffett has specified in his will how his heirs should follow a strategy that resembles the bucketing strategy: One will provide cash for the coming year and the other will provide a sound future. Most of us have annuity-type income floors in SS and RMDs funding.

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

 

 

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 assault 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 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

 

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’

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

GOP governs with big caveat: any House Rep will leverage Speaker to do deals

GOP targets Biden talks with Tech re: bullying right-wing on Covid, etc

McCarthy to investigate the rise of the Chinese Communist Party: read history?

 

House of Bizarre Behavior: cut SS benefits for deficit; IRS can’t catch tax avoiders 

GOP to make it impossible to raise tax rates on wealthy: GOP’s new rules

IRS audited poor for small dollars; millionaires left alone to avoid taxes

 

SCAMS/SPINS:

GOP childishness: Right demands cut spending/balance budget: SS/Medicare cuts

GOP serious: Democratic officials in New Mexico shot in office and at home

 

GOP to look for the “deep state”: FBI, CIA, intelligence, new “McCarthy ism”

Southern GOP gets “red-necked” over political purity: McCarthy inspires conspiracy

GOP limits ethics investigation of GOP coup enablers

 

American public no longer believes the Supreme Court is impartial

What kind of society allows a 6 year old to shoot teacher with gun from home?

 

 

Can GOP leader be brought to justice? How many laws can he break and walk?

Don will bring fireworks back when he is reinstalled at WH: the delusion continues

 

Supremes: NY must let everyone even 6 year old  use guns everywhere even church

Judge: bump stock is legal to kill like a machine gun since not a machine gun

Navy: US may be running out of weapons: contractors charge more overnight delivery

 

Religious "medical cost-sharing plan" costs $160,000 for operation: junk “insurance”

Jennifer Shah UT caught $9.5 mil fraud endorsed “little or no value” products: jail 11yr

7 Things That Damage Your Credit Score: Closing a credit card account

 

Trump org caught criminal tax fraud costs only $1.6 million; 0.0001% of wealth, no jail

Forster & Garbus caught illegal debt-collection practices: no doc suits of Discover Citi

Charles Richard Burgess caught fleecing investors $4 million Ponzi promised 10%: jail

City National Bank caught relining Black and Latino communities: fine, no jail

 

Scam companies use Fed names to trick us to give biz details used to scam us

GOP says Biden’s CPSC will take away our gas stoves: Lie like Obama is not American

Biden asked “how could anyone be so irresponsible with secret docs”: Everyone has docs

 

Do we really want gamers to be playing games while driving? Cars as entertainment?

Drivers with drive assist features get lazy: allow car to drive itself: eat, text, stop focus

Driver falls asleep on autopilot: driver finally woke up to stop for cops: suspended license

 

Jobs

The happiest, least stressful, most meaningful jobs in America

public charging station tech, infrastructure, EV mechanic

15 of the Fastest-Growing Jobs Today: job highlights of 2023

 

Jobs created by new businesses

Make a change soon: 15-jobs-that-will-shrink-the-fastest-over-the-next-decade

 

Who owns your account now?

10 Least Satisfying Cars, According to Consumer Reports

Best emergency fund rates

Transform 529 plan Roth transfers into estate planning vehicles: keep more

 

File IRS tax return Jan 23 free efile; Last year, the average refund issued was $3,176.

FAA shuts all US flights down after bug got in 30 year old software: terrorists?

 

Miracles:

Some towns help citizens stay out of medical bankruptcy

Earth's ozone layer is slowly but noticeably healing

People with type 1 diabetes offered an artificial pancreas, “holy grail” for the disease.

Nature: Alps from Golden Eagle perspective: Awesome!’

 

 

 

 

@

 

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.

 

Mass–energy equivalence: E=mc^2.  At the smallest level; Everything is moving a little

Energy into matter: scientists converted light energy directly into matter in one step

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a 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

 

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.

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.

The electricity we use comes from the field around the wire not from election itself.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

 

 

 

@

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/

 

Friday, September 17, 2021

Why do actual investors earn less than their benchmarks?

 

Why do actual investors earn less than their benchmarks?

A recent study found that, while certain mutual funds and ETFs delivered a 9.4% average annual total return for the past decade, the average investor in these funds got only 7.7% due to poorly timed trading activity. This really hurts those who are investing for a big goal like house down payment or retirement or business start up. Over time, a $250 a month investment would reach $1.3 million WITHOUT the trading activity. Timing the markets would result in total accumulation of only $805,605—a loss of $494,395. In another study, Fidelity found that its accounts that did the best were those for which the owners forgot about them. Investing is simple to be successful but not easy. Gambling is hard to be successful but easy to do. Successful investors have 3 ‘pots’ of money: Patience for the long-term goals and impatience for the short-term get-rich-quick schemes. The third pot pays for living expenses.

Go simple: https://www.amazon.com/Keep-Simple-Essential-Financial-Life/dp/1492258849

 

What is the single most important reason for financial failure?

You are right; it is debt. If we had no debt, especially interest debt that can NOT be deducted, we could easily reach our long-term goals. We have credit card debt, mortgage debt and car debt. We borrow an average $34,635 for new vehicles and $21,438 for used vehicles. The average loan term is 70 months for new cars, 65 months for used cars and 37 months for leased vehicles. The average monthly payments for new, used and leased vehicles is $563, $397, $450. And this is an era of low interest rates. Interest is NOT deductible unless your company leases your car. So how is financial failure defined? How much do we lose with our vehicle loans? Investing $563 for 70 months could yield $59,541. Investing instead of buying on time provides enough money to buy a vehicle outright. This is why the wealthy pay cash for their rides. Their cash is special: their cash is compounded cash. They earn the money we pay on debt. We pay 9.46% they earn 9%.

Earn interest; don’t pay interest: https://www.amazon.com/Compounded-Cash-Save-your-Self-Funded/dp/1515066096

 

Most Americans are paying more taxes than US corporations pay

In fact many large profitable companies have Negative tax rates—taking our money as a refund. Most tech companies, including Oracle, Adobe and Microsoft are still paying much less by using an accounting trick to report profits outside the US. Many large profitable firms like Wells Fargo, Salesforce, AbbVie, Duke Energy, Adobe, Broadcom, IBM, Medtronic, and GE have a negative rate—We actually give them our tax payments. The rest pay lower rates than we do: NVIDIA, NextEra Energy, Bank of America, Pfizer, and Texas Instruments pay the lowest rates. The average overall company tax rate is only 19.7%. Our average is 32.9% including Fed, state, SS, Medicare, sales and gas taxes. This does not include property tax which some of us pay. We don’t receive a state subsidy like the $3 billion state subsidy that Foxconn got in 2018. Some call government-supported corporate tax refunds and grants US socialism.

Avoid paying their taxes: https://www.amazon.com/New-American-Retirement-System-ReserveTaxFree/dp/1461030072

 

Insurers may be overcharging you for coverage

Insurers use our credit scores and history to set premiums for car, home and rent insurance. Other service providers (rental agent, mortgage and auto loan) may use credit scores to set their charges. The CARES Act placed a temporary hold on reporting negative credit information to bureaus that collect credit history. When the hold is lifted, you may get whacked with increases in everything if the pandemic has disrupted your life. Some insurers recognize that the pandemic has had a disproportionate impact on the credit scores of some racial and income groups. Some are making it their business model to switch to a usage-based approach. Insurer Root’s usage-based approach can define a new industry approach that ties driving risk directly to driving habits rather than proxies. Thus drivers who speed, text and cause accidents may have a lower premium than safe drivers who have filed bankruptcy due to a medical catastrophe. Thus some insurers may offer you a better deal but unless you shop every 2 years you won’t know. And don’t forget to check for excessive car repair problems before you buy again.

Shop and save: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

 

What is your plan for your next financial stress?

Most of us have no plan to deal with a financial emergency. A plan BEFORE a crisis while in retirement would provide us with peace of mind—one of the most important goals we have. I hear about folks that are overwhelmed by a medical expense event, a family member money request, and a huge loss in retirement savings. In a recent survey, the most common answers given by folks age 40-73 were ask family and friends, children, church/state agencies, work and downsize to live on SS benefits. These are desperation measures, not a plan. My experience with folks who made a plan shows that building an emergency fund of HALF a year’s expenses works best. These folks kept that emergency money in a balanced fund like Vanguard’s Wellesley Income not a bank: they earn 7% not 1%. First, you feel better. Second, the money gives you time to figure out what to do. Third, the crisis may be over in a year. Make a plan using the tools that are available online for FREE.

https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

 

How to protect your retirement funds and keep them growing

The best protection is not putting your money in bank products, money market funds, an annuity, or bonds. These are the vehicles I see folks using because their advisors told them to “protect” savings in “safe” accounts. However, as inflation rises, they will lose buying power—probably for a long time to come. Unless you know you will die in a couple of years, fixed return investments will starve you to death. All of the traditional “safe” places are providing Wall Street with great revenue. However, these places don’t help you. Over the next 30 years, you could be giving away HALF your potential nest egg. The best way to protect your funds is to grow them—the best defense is a great offense.  Growth and security come from a combination of stocks, bonds and real estate holdings. Over time, your nest egg will continue to grow with stocks while bonds and real estate provide stability. A low cost balanced fund provides steady total returns of over 7%. For instance, Vanguard’s Wellesley Income Fund has provided 40 years of solid returns over 7% on average. Retirement income is thus a combination of interest and dividends. As part of the Vanguard Top Ten funds, investors shift more of their assets to this fund as they progress in retirement.

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

 

 

 

 

 

 

**********ACCOUNTABILITY**************

 

 

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

 

 

Our Jan 6 ‘Truth and Reconciliation Commission’

 

9/11 Bush warns of “domestic terrorism”

 

Will “domestic terrorists” install Trump Sat?

 

Generals planned to stop Trump from starting WWIII

 

How Govt wastes our money:

GOP requires gov ID to vote and drive but requires no Covid vax card to touch kids

 

Your freedom; their deaths: Anti-vax anti-mask Christians killing babies with Covid plague

 

Saudis caught helping terrorists kill us: why we still giving them weapons/intelligence?

 

Lindsey wants to re-invade Afghanistan but he won’t be leading the charge: sending kids

 

Biden lawyers against chokehold/knee on neck UNLESS cop “feels threatened” they do!

 

Plan to lower drug prices was defeated in Dem committee: Lobbyists paid 3 Dems

 

SCAMS/SPINS:

GOP will reach 675,000, the 1918 flu pandemic death rate: Govs fight Prez mandate

Fox: If mandatory polio vaccine is OK, why not COVID-19? Drive, hunt, visit England

All of a sudden police/public service workers get religion: religion exemption kills folks

 

Trump on Pence, his chosen VP: insults 5-year old kids: This is your new GOP ?

Supremes not "a bunch of partisan hacks": just liars: each pledged Roe was “settled law”

Abortion pills for TX market booming: Mexico lightens up just in time: employers help?

 

FL court: Gov can continue to let Covid kill kids—no masks in schools is law

FL airport dogs ID the Covid killers: sniff employees’ masks despite Gov ban

FL refuses to total Covid deaths: must be extreme not to tell. GOP going for record!

WV highest rate of new Covid cases per day: low vax rate; closing schools

Fake vax cards are readily available: masks may still be prudent indoors

Fake mask tests in TX go viral: confirm sources before you believe internet

TX women beat up NYC restaurant hostess over valid vax cards:

 

San Diego healthcare workers seek religious vaccine exemptions: Bible saves you?

 

243,000 Covid cases in kids 1 week 500,000 in 2weeks: Do it for the kids: GET VAX

 

CA Vax mandates keep Trumpist out of power: Covid case reduction continues

 

FL 13 & 14 year olds with gun planned mass shooting at middle school: peers heard talk

mass-shootings-increased-in-pandemic/index.html

 

 

FBI caught allowing sex abuse by USA Gymnastics to continue w/o proper probe:

 

Larry Nassar in jail: why aren’t his bosses at USAG and USOPC? Cardinals never jailed

 

Felix Gorovodsky caught forged gift letter stole $253,000 promised to advise w/o license

Stephen C Peters caught selling bogus 9% notes stole $15 million: 40 yrs; lost appeal

Trumpists Lindell, Gen Flynn caught at 10,000 KY rally with only 300 showing up

American Airlines caught changing refund rules: you may be stranded

3 military caught helping foreign gov hack US companies for profit: fine, no firing squad

 

Drank the Kool-Aid: Most Republicans: It’s Important to Believe Trump Won Election

FL Gov guest claims Covid changes DNA but Gov did NOT disclaim lie: more FL deaths

 

Jobs

Hospital staff loses benefits when refuse vax: Covid staff kill babies “unable to staff”

Tech job pay by state: $123,000 in WA to $70K in SD

Renewed tax credit can help employers hire workers

 

Most promising jobs in ’21: Amazon wage increase; college

More Ford electric truck jobs in MI: chip shortage weighs cars/trucks down

 

Who owns your account now?

Reports suggest that seniors in poorer health may be better served by Original Medicare.

Average credit scores by age: Many errors in credit reports: fix for free

Most reliable appliances: CR reviews show most expensive not the most reliable.

 

Miracles:

Lutheran church installs 1st transgender bishop: SF Grace Cathedral where else?

A widow, doctor, mother of three running for president of Somalia: yes, Somalia

Bangladesh has reopened schools: 97% teachers and staff vaccinated

 

Miami football fans save cat falling from upper level with flag not masks

CA wildfires closing in on world’s largest oldest trees: Sequoia National Park

NYC vaccinated 6 million for smallpox in 1 MONTH to save lives: no mandate

3 million more obtain health care during special Covid enrollment

 

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

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