Is it better to consolidate all 401ks in your employer plan or IRA rollover trustee?

 

Get your teen started on their $ million tax-FREE fund

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with about $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. I have used this 'Wealth Reserve' as I call it to have funds to buy low-cost insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a month in retirement supplement. Now your child can build an account that provides tax-FREE education and retirement income too. Market up 7.85% already in ’23.

Time is on their side: https://www.amazon.com/Give-your-child-leg-up-manage/dp/1096505355

 

Get your own retirement supplement fund going NOW

Social Security Retirement Fund on Track to Go Bust in 2033: Trustees Report is warning. If Congress does nothing to help, we will get about 25% less in retirement. If you have no other means, what will you do? Congress people earn $ millions extra from insider trading but that is illegal for us. The best way to be ready is to earn money on your money without any income taxes. That may give you an extra 20-30% when you need an SS boost. If you work for a living, you can put away $6,000 a year. If you have 15 years till you stop working, you can double your money by then using a low- cost market index. Buffett’s advice: “bet on America.” Over that time, the stock market returns vary but historically you will be rewarded. $3,000 a year (the average tax refund) will compound without tax to over a $100,000. For instance, from 1971 to 2022, the annual market total return was 12%. When you retire you can keep compounding your cash without tax and so spend every cent you earn without income tax.

Start now to cover SS shortfall: https://www.amazon.com/Your-ZERO-Tax-Account-Wealthy/dp/1482772795

 

When the media has bad financial news, look where we’ve come

I don’t sell and try to pick a bright stock. I look at the last 20 years’ returns: 9.71% per year. I look at this historical record by DALBAR’s Quantitative Analysis of Investor Behavior (QAIB). I look at the stats like this one. Timing the market ups and downs does not work. According to Standard and Poor's, the average annualized return of the S&P index, which later became the S&P 500, from 1926 to 2020 was 10%. At 10%, you can double your investment every seven years. In a less-risky investment such as bonds, which have averaged a return of about 5% to 6% over the same time period, you could expect to double your money in about 12 years. I see these charts in my mind’s eye when I hear a Wall Street guru tell me how to invest. If you are investing for a long-term goal, you are wise to follow Warren Buffett’s advice: you need only 2 low-cost mutual funds to retire comfortably.

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

 

Will a financial course help you navigate your way to wealth?

There are many online courses about your debts, savings, and investing. Most will teach you something that can be helpful. You may have certain questions that are answered generally—not for your specific solution. On the other hand, you may feel more comfortable finding the answer yourself instead of giving money to a broker/advisor so you can ask them questions. My experience working at 3 brokerage firm was eye-opening. I never found an unbiased financial person until I started doing my own homework. I read Warren Buffett, John Bogle and a few other successful investors who DON’T sell products for a living. Making money is simple unless you try to outsmart the Masters. Mr Buffett says: “My wealth has come from a combination of living in America, some lucky genes, and compound interest.” His long-term investment strategy: contribute to just TWO funds for long-term goals like retirement.

Unbiased advice: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

 

Is it better to consolidate all 401ks in your employer plan or IRA rollover trustee?

You may have the opportunity to keep your employer plan options when you retire. Leaving your money in place is easier than transferring it to a mutual fund trustee. On the other hand some retirees like to transfer their 401k into an IRA rollover account because they have more investment options or rock bottom fees and charges or both. You can decide by comparing costs and the options available at a large fund complex. For instance, if you like a Target-Date Fund you may have more choices with a large fund complex. If you like using an advisor after you leave your employer, you have many more choices in the financial industry universe than with your employer. However, remember that advisors may take up to 63% of your total returns in fees over time. If you were using a market index offered by your company plan, a comparison of prices may be all you need to do. Some low-cost providers offer the S&P 500 index at low or no cost.

Choice is important: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

 

We waste $1,819 a year on being ‘tricked’ on the financials we buy

A new study shows financial illiteracy costs the average American $1,819 in 2022. If we invested this money instead of giving it to sales people, we could have over $100,000 in 20 years. We could buy financials like we buy stuff at Costco and Walmart. Most of those with money have learned to save on just about everything including insurance, our employer savings plans, our car purchases, our banking, mortgage and the rest. Saving by shopping for all our financial products is easier than we thought because we have the internet and “direct” sellers. Direct sellers like Vanguard, Fidelity, SBLI, GEICO, internet banks and mortgagers offer low-cost products so we pay less and keep more. One analyst estimates we could give up 63% of our total earnings in fees over time. Learning how to shop for financials is NOT rocket science. Some save $3,000 a year.

https://www.amazon.com/Tricks-Trade-Mutual-Insurance-Annuities/dp/1535497289

 

How much does it cost to start investing?

The easy and lowest cost strategy to start in the market is to buy SPDR Portfolio S&P 500 ETF (SPLG) in a brokerage account. ETFs are index funds of a specific asset. This ETF consists of shares of the top 500 US companies so you get a little of everything. This ETF costs only 0.03% of your total investment per year. Its 5-Year Average Annualized Return was 11.0%. The SPDR Portfolio S&P 500 ETF is the cousin of State Street’s SPY the famous fund. It has a lower expense ratio tailored to price-conscious everyday investors. The fund was only recently converted to track the S&P 500—prior to January 2020, SPLG tracked the SSgA Large Cap Index. SPLG’s average trading volume comes in substantially lower than SPY, offering somewhat lower liquidity—and its AUM are a sliver of the SPY’s total. For buy-and-hold investors, this shouldn’t be a concern. Assets under management:  $15.9 billion. Each ETF share costs under $50. If you keep buying this security over time you should be able to amass a fantastic account in a few years. At 11% a year, over time you can double your money every 7-9 years. Just keep buying—don’t trade or quit. The Miracle of Compounding will make you rich.

https://www.amazon.com/Building-Wealth-Like-Brushing-Teeth/dp/1470141469/

 

 

 

?**********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’

 

Mar 11 2023 Pence straddles his place in history

 

Mar 31 2023 Trump indicted misusing election money

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

ER gets full: Millions poised to lose Medicaid as pandemic coverage protections end

Killing way of life: ‘We’re NOT going to fix it’: The GOP response after Nashville

Floridians able to carry concealed guns without a permit: settle dispute easily anyone

 

IRS helps wealthy raise inflation: new planes/yachts are deductible so we pay their taxes

IRS: Average taxpayers "should not be worried" about more audits: ‘famous last words’

$27.2 billion NASA 7% increase funding for Artemis go around moon: we already did it

 

Biden blames Trump for Afghan exit mistakes: Biden made bad choices: accountability

 

SCAMS/SPINS:

Fake charity scam: Request donations for disaster common by phone, email and texts

Beware of abusive tax avoidance schemes: list is long and complicated

GOP tilts Supreme: Thomas accepted luxury trips of TX GOP without disclosure

 

Millions of dollars are going missing every single day thanks to crypto-related crime 

Goldman Sachs caught marking millions stock orders as long instead of short: just fine

Merrill caught charging clients in undisclosed foreign exchange fees for transfers

Integrity Advance owners caught avoid paying back for illegal payday lending activities

Baby powder tainted with carcinogen: J&J kept that info hidden regulators/public: years

 

Only in US: bank managers get bonus for running bank into the ground: pay as stock fall

Scam: Employee Retention Credit claims; false claims generate compliance risk

Falsifying Business Records is a crime in NY: move/ rename money was regular event

 

GOP ‘freedom’ means men decide where you pee, your name, your health care, jobs

GOP ‘freedom’ means removing cities’ rights to set own policies, make dictatorships

 

TN GOP expels 2 elected Dems asking more gun control: deadly school shooting

 

MD Catholic Church abuse: 600 kids: chaining/whipping teenagers; abuses in hospital

 

Honda recalls 564,000 CR-Vs in cold states to fix frame rust: loosens suspensions

VW recalls 140,000 SUVs due to faulty passenger-side airbags: don’t ride

Bigger SUVs Pickups loved by driver but increasingly people killers

TX to become key gambling state despite Christian ideology

 

Americans in need of health care must now belong to correct ideological group for help

 

Pope Francis wearing white puffer jacket: Faked with the artificial intelligence

Fake: Ted Cruz tweet regarding kids killed by war gun

1 in 3 baseball fans can’t afford tickets this year: $58.61 avg cost + $51 food, park, etc.

 

Hair growth/loss products violate FDA FTC laws: lies, lies, lies

 

Jobs

Tesla pays Owen Diaz $3 million for endured racist discrimination as a contract worker 

New jobs decline: Fed thrilled with fewer working but rich keep pushing inflation up

 17 Worst-Paying College Majors

 

High-Paying Work-From-Home Jobs That Pay Well ($100K+ Salaries)

 

 

Who owns your account now?

Best used cars that fell in price starting at $19K: some down 13%

Best Full-Service Wealth Management Firms Ranked by Investors — J.D. Power, 2023

Time to shop: homeowners pay $2,825 for home insurance in 2023, up 30% in two years

 

Can assets in a “defective” trust receive step-up basis (no gains tax) on owner's death?

IRS explains their process delays: many returns still not processed from 2021, 2022: wait

 

Miracles:

Trump: great teaching lesson for white criminals: con men, scammers, vigilantes, terrorist

Crime pays: Trump’s fundraising after indictments pay off: $4 million raised in 24 hours

Somehow GOP Greene thinks Trump is like Jesus: “killed by government”

 

Revolutionary blood test that can detect over 50 genetic diseases: needs confirmations

 

Factory explosion survivor, on fire, fell into chocolate vat

Finland to join NATO on Tuesday, Sweden still waiting: 1300 miles Putin headache

87% of the cars sold in Norway last month were electric.

 

WI votes to put judicial decisions back on track: future on abortion and voting rights

WV transgender athletes can compete on female school sports teams: Supremes turn?

 

 

 

@

 

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

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 electron 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/

 

Commoditization of the financial advice industry

 

Tax-refund Millionaire-- https://www.irs.gov/refunds

Most people spend their tax refund—your refund could be a retirement nest egg.

Michele had trouble saving. She seemed to always be waiting for her next paycheck. She never had enough to save for a rainy day like her Mom did. She used to make about $55,000 as a shop manager but with federal, social security, Medicare and state taxes, unemployment, disability, and health insurance, she was not able to put anything away for retirement. Years ago, her local tax preparer suggested she use her tax refund (average $3,000) to create a retirement fund. Usually Michele would use her refund to pay bills or buy something special. The tax preparer said that if she agreed to start an IRA with $3,000 of her refund, she would be able to increase her refund—Uncle Sam would help her save. The amount she invested would reduce her income and make her refund larger. The $3,000 could grow over time, if she left it in stock mutual funds in her IRA account. Over time, it has grown large enough that she will have enough for retirement.

I will help you start one in 1 hour: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

 

Right now your $3,000 tax refund is worth DOUBLE

If we invest our tax refund in a stock fund—the shares are down 14% so far this year—the shares will easily double in value when the stock market recovers by next year. The alternative is to put $3,000 in a savings account earning .8% so you have $3,054 in a couple of years. $6,000 vs $3,054 in a couple of years. Stock prices are down—a sale. You are able to double your money in less time. Where can you do that? Not in a hedge fund. Warren Buffett proved that. Using a tax-FREE investment account, you may never have to pay tax on that portfolio increase. You can use the only legal tax shelter for working people. If you keep adding your tax refund to your tax-FREE account, you may have $250,000 in 20 years—and you will be able to spend it all—an extra 20-25% since there are NO income taxes on this special §408A account.

Go Tax-FREE: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

 

Is this annuity right for you?

This annuity provides you with a guaranteed income for life. And the amount adjusts for inflation so that in 20 years it pays you an amount that has kept pace with the rising cost of living. Most annuity payouts are fixed, so that the amount you receive buys only about HALF of what it used to buy. This annuity grows over the course of time instead of requiring a huge chunk of your nest egg when you stop working. In fact this annuity can begin when you really need it—after you have accomplished all the things on your “bucket list” and you have spent most of your nest egg. This annuity can never fail to pay your monthly income because it is not dependent on the financial soundness of an insurance company. The monthly amount comes directly from the United States Treasury to your checking account. And the Treasury has never missed a payment even when the rest of the government has stopped paying its bills. Talk about peace of mind. And you can receive over a $1 million during your lifetime. Take this annuity.

Maximize benefits: https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224

 

Commoditization of the financial advice industry

Advisors can no longer afford to help families with less than $1 million of investible assets. Advisors cannot be sustained without the need to trade a lot of securities or sell a product like an annuity to keep the “fat cats” wealthy and their offices plush. Most large advisory firms have had to put clients into robo advisor mode. Wealthfront and Edge are examples. You are sent to the service center model, where the financial advisor does not play a critical role. Portfolios are standardized so you get one of 5-10 models. However, tax management or estate planning need more than an algorithm. So you are better off finding an expert on a fixed-fee basis at the time you need special services. For instance, many readers hired a planner (CFP) for a set fee to provide a comprehensive year by year estimate of income and expenses for 30 years. A tax accountant (CPA) can provide expert advice on handling tax matters. For complicated estate plans, you can secure a competent estate planner to guarantee your legacy. Remember, your IRA and regular mutual fund have beneficiary provisions which pass your money outside your will.

https://www.amazon.com/Lies-Financial-Advisors-Told-alternatives/dp/1478281545

 

Best Robo-Advisor: Ultimate Automatic Wealth Management

Morningstar, the securities analyst found that COST is the best predictor of financial success over time. Fidelity found that their client accounts that were most successful were those put on automatic—left alone—forgotten. Warren Buffett: “The stock market is a device for transferring money from the impatient to the patient.” Buffett claims that his holding period is forever. He advocates compounding (allow earnings on earnings to grow exponentially): "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Robo-advisors work because money does NOT trade, rebalance, market time, buy high-sell low or sector rotate. It compounds. Yes, it is counter intuitive and it violates every 'rule' of Wall Street. Leaving your money alone to grow by compounding the earnings is easy – but HARD. Human beings do not control their emotions -- fear and greed win out every time. In fact, the average investor earns only 3.79% annually (vs market returns of 11.06%) according to DALBAR’s QAIB for 10, 20, 30 years. Use the Ultimate Automatic Wealth Management firm for success.

https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

 

We will need to pay extra taxes on our inheritance

The new federal regulations would require many people who inherit money through traditional individual retirement accounts (IRAs) as well as 401(k)s, 403(b)s and eligible 457(b)s to withdraw funds from the accounts every year over a 10-year period, The Wall Street Journal reports. Non-spouse heirs are required to take minimum taxable withdrawals every year for 10 years from their inheritance in situations where the original account owner died on or after April 1 of the year of his or her 72nd birthday. These withdrawals, technically known as required minimum distributions (RMDs), must empty the account within the 10-year period. Heirs would pay a penalty of 50% on any RMD amounts that they failed to withdraw according to the schedule defined by the new IRS rules. This change, from “at the end of 10 years” to every year makes the tax-FREE Roth IRA more attractive to those making a legacy.

Consider a conversion to Roth: https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

 

Another way we pay taxes for the wealthy

Our Representatives continue to provide rich people with another way to avoid paying taxes. This one is fairly simple to eliminate but it continues to blow up the amount we all have to pay in the national debt. This three-decades-old loophole that cuts private equity billionaires’ tax rate almost in half is called carried interest. It is really the profits taken from investors by investment managerial firms. Investment managers pay a lower tax rate “than teachers and firefighters” because money manager are taxed at the lower capital gains rate not the income rate we all pay. Private equity and investment firms spent about $3.6 million on DC lobbyists; over the next four years they spent a combined $75 million. Small amount compared with the $180 Billion they take over 10 years. Obama tried to revoke this special deal but he never “leaned” on senators to include carried interest in a tax reform push. Senators get election money from money managers and lobbyists so they continue to run up our tax bill by not paying their fair share.

Stop paying their tax: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

 

Best graduation gift you can give

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. We have used this 'Wealth Reserve' as I call it to have funds to use low-cost high-deductible insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a monthly in retirement supplement.

Start their ‘Wealth Reserve’: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

 

 

 

?**********ACCOUNTABILITY**************?

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Jan 6 2021 Direct assault failed: guns & bombs ready

 

Trumpist’s Supremes end personal rights

 

Nov 8 2022 Trump’s “national revolution”

 

 

Trump: drop missiles on Mexico drug makers

 

Trump: “shoot the protesters”

 

 

How Govt wastes our money:

GOP plan to ban IUD etc: charge murder for end pregnancy by any means

GOP Supremes: no right to private decision like abortion, gender, marriage in Constitution

TX low-income Latinas face major obstacles when it comes to ending unwanted pregnancies

 

Alito relies on 1671 understanding of marriage to think women rights NOT Constitutional.

Trump gave troubled lab $628 million contract to make the COVID-19 vaccines: later destroyed

Rand Paul dissents helping Ukraine with aid: $40 Billion “doom US economy” but tax breaks OK

 

SCAMS/SPINS:

GOP good old days: no aviane, so rhythm, no abortion, so coat hanger, no gays so closet

A Trump world vs a DeSantis world: radical southern strategy overwhelms staid Joe.

DeSantis redistricting map that would have eliminated a Black district in FL

 

FL rejected 41% of books: 24 of them scored high on official reviewers but reject too

Guns Now Kill More Children and Young Adults Than Car Crashes: Books don’t kill!

 

Putting Putin’s partisan on trial for war crimes: 21 yr old murdered unarmed 62 yr old

Putin scores “victory’ kills 60 women/children hiding in school: killing Ukraine ‘nazis’

GOP souring on Ukraine support: 57 House vote no on aid for survivors

 

Greene said can’t remember Jan 6 coup and so did judge: more crazy Greene GOP stunts

Trump fails to provide subpoena documents because he “lost his phones” Judge tricked!

 

 

Medicare Advantage declines 18% claims experts say OK: insurers hate paying claims

Jeffrey N. Crossland CA caught stealing $3.5 millions church loan scam 4 years prison

Trumps caught taking $ millions: promote fake vitamin/health products

 

Supremes base abortion ban on 1736 Englishman’s hate of women as witch, property

GOP encouraged to ban contraception as well as other personal choice rights.

 

Never use TurboTax: caught misleading us about costs; pay fine no jail

Banks caught ATM surcharges not reimbursed: claim refunds

Forever Living caught promises HUGE earnings but distributors earn absolutely nothing

 

RAM Payment/Account Management Systems caught overcharging debt relief clients 

SugarHouse Sportsbook caught fraud: “get up to a $250 match bonus on first deposit.”

TD Bank caught misleading “$300 Gift” TD can take back the $300 it “gave” us.

Recall 130,000 Tesla overheating cause the touchscreen to malfunction: burns your chips

 

Hackers are going after our data files with insurers: check your mobile password.

100 pairs of “extra destroyed” sneakers available to buy for $1,850: what you thinking?

work-at-home schemes provide income for criminals not us

 

Easy to mislead each other: fun for some costly for others: we’re conspiracy lovers

DeSantis holiday: mandate for students: learn “atrocities” by communist regimes no slave owners

GOP to block student access to online library databases: books, articles they don’t like

 

Jobs

Wage levels fell: inflation elevated at 8.3%: 6% wage rise less 8% price rise: we lost 2%

 

 

Who owns your account now?

Phoenix: fastest growing home prices: risen 216% since 2000!  Institutional investors 

Low-cost internet access for most Americans: some computer deals

NSM Insurance Group to Carlyle Group Inc

 

Allstate expects to raise premiums more: costlier litigation and used-car prices

Investors glad they did NOT put Bitcoin in their 401k as Fidelity recommended

 

Miracles:

Water shortage level likely trigger larger water cuts for Arizona, Nevada and California 

Women among Ukraine’s foreign fighters: Putin didn’t bargain for these heroes

Warming: giant groundwater system under the ice sheet in Antarctica: raise ocean levels?

 

Congress hearings on UFOs next week: 144 events, 1 explained: watch C-span

Scientist says move NYC before it is too late; too expensive: who is this guy?

Floating Solar Power Farm on lake with battery replaces Putin oil

 

Plane passenger lands plane after pilot incapacitated: DIY flying using picture of controls

States that offer free college courses to residents: Harvard’s free online courses

Your investments in the stock market have doubled over the last 5 years: 200-400 IVV

 

 

@@@@@@

Everything in the universe from galaxy to stones is made of subatomic ‘vibrations’

Light is both a particle and a wave depending on how we look at the light.

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!

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

“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.

 

 

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

www.InsuranceAdvisorsNetwork.com

Alerts available at http://dankeppel.blogspot.com/