Readers: Happy
Is long-term insurance cost worth it?
The type of long-term care insurance you should choose depends on what you're looking for from your coverage. "Standalone long-term care insurance will only pay out in the event of long-term care being necessary" according to the insurer not you. If the long-term care policy includes "a death benefit, there will also be some amount of payment upon death." Another seller said: "life insurance with a long-term care rider will typically be less flexible than long-term care insurance, cover less and continue to require premiums be paid after the long-term care begins, but have a higher death benefit." So, it's important to consider the pros and cons of each type of policy before you decide which type of long-term care coverage is best for you. Actually there are better alternatives than paying for what you probably could handle on your own. Insurance firms sell only policies that guarantee revenue for them for the long-term type coverage.
https://www.amazon.com/Long-term-Care-Insurance-better-alternatives/dp/147006877X
Why we self-insure our family
My low-cost index fund account has gained over 24% this year. We use the one recommended by Warren Buffett, our silent “advisor.” It has provided gains of 2,817.69% increases since 1983. That’s 9.63% a year counting inflation and dividends. It has raised our retirement fund to a level that we can sustain medical and other expenses that may come in the future. Our financial plan predicted we would be set for the rest of our lives in terms of income and expenses. It also accounts for a trust set up for one family member with health problems. Other assets like a moderate-cost home are available also. We decided very early that we did not need to pay the insurance firm’s profits for the rest of our lives just for long-term care peace-of-mind coverage. We kept the $95,000 premium to grow our index stock fund. It worked.
Thanks
********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
Dec 2023: Trump
using Hitler language to scare us
“Wannabe
Dictator” to
run our House of “Representatives”
Jan 2025 Dictator
pardons himself: his
Supremes agree
How Govt wastes our money:
No
Congress in history has spent so much time accomplishing so little as this
one.”
Wasted taxes: we
paid fortune to separate
carbon dioxide from air: but no use to us
Gov
helps you pay for your gambling loses: Tax-loss harvesting on bad bets
Supremes
underpaid? Book deals, vacations, speaking fees, trips, health for life, etc!
IRS waives
$1 billion penalties for people, firms’ back taxes for years: we pay for it
IRS
gives 20% off to employers who falsely claimed Employee Retention Credits:
deficit
Elders have seen
their share of collective wealth
surge during the pandemic: avoid taxes
Wasted taxes to fund
Police success in solving
murder cases has declined sharply since 1973-pay for less work
SCAMS/SPINS:
Commonwealth
Financial Systems closed for Illegal
Debt Collection Practices
Merrill clients
protest low
yields on cash sweeps
Avoid
"pig butchering" scheme: victim befriended then falls for scam
investment
Scammers hide
harmful links in QR
codes to steal your information
Scammers took client
payments using
unauthorized charges on consumers' accounts
Alexandria Porter
Bovee NV caught
in cannabis org--Ponzi barred from securities sales
Eddy Blizzard, MD guilty
stealing $1 million from elderly client: promised
safe money.
Louis Goff UT caught
$2.1 million fraud from 2019 and 2020: barred, sought by FINRA
Daniel Beech CA caught
paid $900,000 kickback to unregistered person for sales
Nearly 70% of Gen X
Incur Overdraft
Fees of $40 or more-Insufficient Funds
Hilton caught Unlawful
‘Hidden’
Hotel Room Fees: class action
Many
college-sponsored financial products have higher
fees, worse terms and conditions
GPB
Capital Holdings to receivership: “Ponzi-like" saga
10 worst advisors
and their illegal tricks: a lesson
in “being taken”--avoiding losses
Anthony J. Cantone
NJ caught
fraudulent misrepresentations municipal bond offerings
Deceptive
ads followed by TINA.org: you learn how seller’s promises are found
Body
cams footage kept hidden from reformers/public: police continue illegal
acts?
Tesla
blamed drivers for failures of parts it long knew were defective
Tesla car insurance
does not
pay claims: delay delay while we pay premiums
2.5 million Honda
Acura cars recalled due to fuel pump defect: engine
failure
AI
with fake news/info: list of tracking internet site with fake info
Fake images reveal
how AI amplifies our
worst stereotypes
Counterfeit
Ozempic sickens: FDA seized ‘thousands of units’ knockoffs
Cardinal found
guilty of embezzlement
in Vatican ‘trial of the century’
$148 million to Georgia
election workers over Rudy Giuliani’s 2020 vote lies
Rudy goes bankrupt
to avoid
accountability for destroying two
“you
probably won’t die being forced to give birth to a nonviable fetus!” GOP
freedom?
Israeli military mistakenly
killed three Israeli hostages: shoot,
questions later
GOP blocks SS
reform so cut benefits 23% in 2033: GOP enacted $2 T wealthy tax cuts
Trump threatens to repeal
Obamacare: FL Trumpers sign up in droves
Trump: “immigrants
are “poisoning
the blood of our country”: copy Hitler theme
Trump
gets boost from his Supremes: possible pre-case look at how own trial will
go.
Trump delays
Supremes’ decision on immunity: tries
to beat Jack Smith before trial
Supremes
to decide 2024 election just like 2000 Bush v Gore: our
votes don’t count
Trump off ballot: CO
court affirmed he engaged in insurrection: 14th
Amendment
TX withdrawals abortion
exception rules: AG, Supremes make the rules
Recall: Quaker
Oats granola, cereals, could be contaminated with salmonella.
Jobs
12% increase in homelessness to its highest reported level: soaring
rents
Who owns your account now?
Jan. 16 due date for
final
2023 quarterly estimated tax payments
New
England Pension Plan Systems to Edelman Financial Engines
Now: record
share of homes without mortgages:
34.3% to 39.3% in past decade
U.S.
Steel to Nippon Steel: X surges 23%
10 Most Affordable
Electric Cars for 2024
Elders go
back to work: 19% of workers over 65 were working: just 11% in 1987
Parents Are Risking
Their Retirements to Support Adult Children
Medicare Coverage Is Changing
in 2024: costs and benefits go up for some
People
are leaving organized religion: false Biblical ideology sends many away
CA
judge OKs guns in public: blocks ban on guns in public
Boosting
HSA contribution to $7,500, from $3,850 would add $44 billion to the
deficit.
Wealthspire
Parent NFP to Aon
10 Best Credit
Card Bonus Offers
Miracles:
Can Taylor Swift’s birthday
push for her
favorite charities change giving patterns?
New Drug Compound
Shows Promise
for Schizophrenia victims
Amazing half-female,
half-male bird spotted by scientist on vacation
Farmer
makes cat art with rice plants: very impressive
Broad stock market index
up 24% YTD this week: no recession
Pope changes his
mind on blessing 2 people in love: 2
not required moral perfection
2023
best photos of news organization Reuters
November shatters global
temperature records, marking 6 record-warm months in a row
@
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
