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The Chase For Perfection

Human Perfection

Simply stated, human perfection requires one to have all the necessary qualities to be considered absolutely fulfilled. That is to exist ideally, sound and complete in all aspects of oneself.

Inner Vision

True inner vision can only be established while in a state of complete meditation. This very well may be the most precise way to unleash the power of the “Subconscious Mind”. It is estimated that 95% of our thoughts, feelings, memories and instincts are living in our subconscious. There are many well known authors, doctors and psychologists who have written books on the power and insight within the subconscious. Various suggested methods and physical practices have been established to utilize the power of one’s mind, including a way to harness the subconscious. I’ve often found great insight, inspiration and energy by sitting in the dark with complete stillness.

Brain Frequencies

Think of your consciousness as the desires of your being and your subconscious as the architect of these desires. If you can embrace and champion this concept you can conceivably reach your own particular desired level of perfection.

When you see the world as a physical and stationary place, life can seem quite challenging and competitive to say the least. But, when you take control of your mind and enter the nonphysical realm, by way of meditation, mindful submission or specific intuition there are no limits to the world of resources, ideas and possibilities. The great thinkers of the world, all share the ability of being able to control their brain frequencies.  This may sound easier said than done. More importantly, this is not just theory, but a truly sound and pragmatic blueprint for self realization and the pursuit of perfection.

Believing is Seeing

Believing means having a state of mind that fully accepts the positive without question or passiveness. Receiving perfection takes a lot of work, but physical attributes are not always required. It’s your subconscious that sees and then manifests the expectations you distinctly have. Accepting perfection is often more difficult than manifesting it. Too often we lack the necessary responsibility to redeem the promise of our being.

Consider the reality of the metaphysical in everyday living. Can we really tune in and direct the powers of the universe? Manifesting perfection and creating the life you dream about may be easier than you think. Unfortunately, most people fall far short of their potential without ever realizing it. There lies an incredible power within each and every one of us. To tap this power it takes belief in yourself, awareness of all that’s seen and unseen and the understanding of self worth.

Nevertheless, we are born into a world that stifles our subconscious from birth and often programs us to attain and accept far less than we are capable of. Whether intentional or not, most of us have been led and sculptured to reach our destiny. But, ask yourself; was this the result of your own deeply rooted dreams and intentions? Can we answer that question. Do we want to answer it.

Nourishing your Inner-Self

Our thoughts and emotions are always transmitting brain frequencies. Often we choose our friends and allies by subconsciously connecting with those that emit similar frequencies. On the other hand we have a hard time accepting or understanding others that transmit opposing brain frequencies. Authenticating these differences can only be achieved with deep thought and the penetration of one’s subconscious. There are many books on the subject of the subconscious with writings from great philosophers, theologians and even mystics.

By connecting the conscious to the subconscious we can fulfill our dreams and desires. Harnessing our brain frequencies can actually be achieved through deeply absorbing meditation.

Unharnessed Limitations

Modern science has introduced the theory of “Quantum Physics” to explain the results of human consciousness. This incredible thinking, that many believe to be true, turns the natural order of reality upside down. It’s fundamentals being that the behavior of nature can be described at and even below the scale of atoms. It is wonderous strange and we should all give this theory some attention and investigation. In quantum mechanics, particles have wavelike properties and each can be definable and tangible.

For most of us, the problem with quantum physics is that many of it’s concepts are difficult for us to visualize. Those without a college degree are less likely to understand the somewhat obscure mechanics and convoluted use of physics. A strong grasp of advanced mathematics and physics are essential to the field. It involves differential equations complex and abstract. Understanding the use of linear algebra and calculus can be quite daunting for most of us. However, it is not as difficult to understand as it is to connect to everyday experiences. It can prognosticate unimaginable phenomena and use this in a profound way to “KNOW” the future.

Credulous Beginnings

Knowledge is a powerful tool in the quest for perfection. The more you enrich your mind the easier it will be to determine what makes sense for you to apply to your everyday responsibilities. Mike Murphy, the author of “The Creation Frequency” teaches the art of harnessing the power of the universe to manifest your life’s dreams. This is an easy read full of practical advice and exercises you can use to ultimately ensure success.

Suggested Works

Here are some of my favorite books I’ve read through the decades. I was in sales most of my working years, so many of these publications helped me greatly. “I Never Played the Game” written by Howard Cosell, “How to $ell Anything to Anybody” by Joe Girard, “How to Win Friends & Influence People” by Dale Carnegie, “You Become What You Think” by Shubham Kumar Singh and “Frequency” by Penny Peirce.

To expand your horizons on many of the topics I’ve written about here you should begin with any number of these works: “Quantum Entanglement and the Loss of Reality” by Thomas V. Marcella, “Quantum Physics for Beginners” by M.M. Gavillet, “Quantum Field Theory and Condensed Matter” by R. Shankar, “You are the Universe” by Deepak Chopra, M.D. and Menas C. Kafatos, PH. D., and “The Physics of Consciousness” by Ivan Antic.

A Note to my Followers

First, I’d like to sincerely thank all of you following my writings and I can assure you that it is you who inspire me. That being said, after the coming presidential election I will post a comprehensive “T*pster’s Outlook” on financial, as well as personal concerns for 2025 and beyond. Till then, keep reading, stay healthy and safe, expand your vision with new horizons and send me your personal feedback.

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A special thanks goes out to “WordPress”, “MonsterInsights”, “PushEngage”, “Wealthy Affiliates”, “Google Chrome”, and “Bravada Themes”, to name a few helpful and extremely reliable web sight enhancers, moderators and nonpartisan critics.

 

 

 

 

 

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ARTIFICIAL INTELLIGENCE

        OPEN “AI”

 

Open “AI” will be present in every aspect of our daily lives within the next ten to twenty years. It will grow increasingly pervasive as difficulties and setbacks will make for an extremely challenging future to predict. Right now, “AI” is in constant flux. It is putting it’s fingerprints on almost every industry and the impact is still in question.

However, within these arears of concern: “Health Care”, Pharmaceutical”, “Banking”, “Transportation”, “Technology” and “Defense” there will be an incredible opportunity to ultimately prepare for and confidently invest in.

Research and Development

Take the time necessary to read and understand all you can about our changing world and it’s party to “AI”. The radical “AI” transformations to any industry will be the most significant and worthy of the closest looks.

As I’ve stated before, in previous blogs, it pays big dividends to join Investment Clubs, or have Financial Planners recommend individualized strategies designed specifically for you, based upon your risk tolerance and current situation. There are a growing number of FREE publications that cover a wide variety of topics and others solely dedicated to the growing “AI” explosion.

You can go online and read research reports from major financial institutions such as Goldman Sachs, Fisher, Schwab, Fidelity and others. You can find free information on the internet with sites like “Market Beat”, “Gold Century Investing” and “System Trading”.

Ahead of the curve are inexpensive publications such as the Altucher’s Investment Network’s daily report called the “Altucher Confidential”. This publication is backed by decades of research, proven expertise and brilliant forecasting by the legendary James Altucher.  Behind the Markets is another Investment Club backed by founder and CEO, Dylan Jovine. It’s daily report is called “The Daily Revenue”. These reports are dedicated to providing readers with unique investment opportunities.

How to stay financially sound

Remember when investing in the stock market past results are never a guarantee of future returns. You might be worried about a market crash and sell holdings at a loss. Reversely, you might want to catch a ride on a soaring stock that puts you in a position of disastrous risk. If there is one thing history has shown us it’s that no one can consistently predict the market. With that being said, the experts I mentioned above with decades of documented results are undoubtedly the best ones to listen to. Always invest with funds that can be tied up indefinitely without putting any additional stress on your finances.

Recent Successes

I have had a tremendous last couple of years by investing in very specific information found through the Investment Clubs I mentioned here. For me, the “Defense Sector” and “Energy Sector” stocks gave me the biggest gains.

I believe when looking to invest in “AI” Stocks you should look to those companies that: (1) Lead the way in developing edge technology (2) Show a consistent growth in revenue (3) Are critical to the “AI” movement .

In the Defense Sector only invest in companies that have: (1) Breakthrough science technology (2) Defense contractors that already have pertinent contracts (3) Make sure congress has already budgeted the money for any written government contracts

My good fortune

The last stock I invested in has been touted as the “Crown Jewel” of “AI” Investments. This company is the Taiwan Semiconductor Manufacturing Company Limited, (TSM) and is the largest and most respected semiconductor foundry in the world. They have created the fastest “AI” chip in the world and already secured multimillions in orders. Each of Nvidia’s Graphic Processing Units (GPU) uses one of these chips and sells for $40,000. The TSM chip is 30 times faster than it’s predecessor.

Learn more about the Crown Jewel of “AI” by joining one of the Investment Clubs mentioned above.

Final Word

“AI” super computers will re-write the global economy over the next decade. It will clearly power the world’s 4th Industrial Revolution. And, without question grow faster and larger than any before. Experts predict 3 to 5 times larger than the Internet.

 

 

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Let’s Beat Inflation

Why, Where and How

With inflation soaring we need to find various ways to save. Why not get the best prices and even save thousands! Buying at the “right time” matters. Discount cards, buying club memberships, coupons, special sales or clearance sales are all worth taking advantage of during times of rising inflation.

If you believe you can predict the future then reading this article will have little to no significance to you. However, the Tipster knows one thing’s for certain: “The only way to keep up with inflation is to be prepared for whatever comes next.”

Over 40 Million Americans are living in poverty or simply one crisis away from adding to that number. Older adults make up the greatest population in crisis. Often, they can be overlooked by family and friends due to foolish pride and even concealment of their situation.

Help and Support

Those with the means should truly be looking to aid those in need. For older Americans many public and private foundations have been established through the years to offer monetary, informational and physical support.

For one, the AARP Foundation has been aiding and supporting a future without senior poverty for decades. In 2022, the AARP Foundation helped nearly 2 million older American save millions in taxes with critical and completely “FREE” volunteer-based tax preparation. This service was responsible for helping low income seniors secure nearly 1 billion in tax refunds and credits.

AARP’s “Tax-Aide” program was established in 1968 and has expanded through the decades with contributions from those with concern and the ultimate consideration to volunteer their services.

A second AARP program, begun fives years ago, is now helping more than 9 million Americans see if they qualify for property tax relief.

You can learn how you can help or find out if you qualify for a property tax refund at: aarpfoundation.org/thrive and aarpfoundation.org/propertytaxaide

Spending wisely 

Have you ever tried dining at an “All you can eat” buffet? If so, did you enjoy it?  Would you be inclined to do this more often or decline based on the food quality or a possible tendency to over indulge. What about considering eating family style or all inclusive verses ala carte.

Those who carefully manage their budget could save money when spending it wisely. Various price shopping clubs are inexpensive and memberships can lead to huge savings for larger families. Some clubs require buying in bulk so managing what and when you buy certain necessities can be critical to maximize savings. Perishables may be the hardest items to manage properly.

Staying financially healthy

During times of inflationary difficulties the hardest thing to do is tighten your spending when you’ve always been a giver to family and friends. Reining in the giving is so much more beneficial then it is imaginable.

Decisions like stop paying for a storage facility housing furnishings you haven’t used for years, or that no one can benefit from currently can yield benefits unthought about. Holding back the purchase of luxury items can be extremely helpful. Avoid panic about investments and retirement portfolios. Staying the course is often the best advice anyone can give. Do not skip or skimp on your health, mental and physical needs. Preventive medical care is quite often free or low cost and can save fortunes by catching possible problems before they ever occur. Picking up a paint brush, washing your car in your driveway and racking leaves on your lawn all can add monetary benefits that truly matter.

Spending on autopilot can be very costly and checking those auto debits during times of tremendous inflation can save hundreds of dollars. Keeping tabs on subscriptions can be easier than you think. Free apps such as “PocketGuard” and “Rocket Money” are offered through various banks and credit cards such as Chase and Capital One. They find things you might have forgotten about.

One of the more difficult things to do might be guarding against impulse buying. Even though the price of that leather jacket has been reduced, it might just be unnecessary and worth passing up right now!

Finally, protecting what you have is most critical here and now; and, it will always be regardless of the inflationary future. During times of need and monetary stress scammers devise damaging cleverly refined schemes to appropriate funds from unaware victims. There are various anti-fraud websites as well as state and federal programs helping people spot and avoid scams.

Fraud can look like an unsolicited call claiming you owe or are due money. A pop up message on your computer warning of a detected virus. Notification of a prize you won that has a minor shipping fee to claim it. An email or text message offering a huge discount on something you’ve been searching the web to find.

Remember, all you can do to protect yourself and your family may be to stop and think before acting upon anything.

Reporting possible fraud to your state and local law enforcement agencies can help prevent others from being victimized.

Practical wisdom

With age comes wisdom. Whoever coined the phrase was spot on. With that being said, during times of troubling inflation buying essentials is important and doing some homework to find the best way to do that is undoubtedly significant.

Just remember, patience and steadfast discipline will get you to the other side of trouble every time.

 

 

 

 

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IT MAY BE TIME TO TAKE “F-L-I-G-H-T”

MORTALCOMBAT

Are you prepared for the next “WAR”?

One thing’s for certain, the war in Europe between Russia and Ukraine will be the last of it’s kind. Uncalculated death and destruction will not be the norm any longer. The future will bring an unfamiliar but completely deliberated essence to war.

That being said, is there only one story to the future? Who has made up this story and if it falls into the hands of anxious and immature adults can it be more destructive than good? Of course it has not been lived yet, but an educated mind can foresee many things yet to come. This blog is is not being written to convince or convert someone to a particular point of view or to suggest specific actions. Furthermore, it is not my intent to prepare us for either a dignified death or a dignified life. I’m actually looking to inspire and encourage thought provoking insights.

I don’t think older adults realize the strengths they have or the advantages gained from age and experiences. In many ways they are doing far better than younger people. Many of us do realize this; however, some forget the time for living is now and always will be.

Investigative research

21st century warfare will include a tremendous amount of manpower, knowledge, foresight and artificial intelligence. Can understanding this new concept for future wars lead us to a better life? In fact, it may be time to take flight, or better yet, time to take action. I believe the future of warfare will lead to tremendous opportunity for financial freedom.

“THE USE OF KILLER INSTINCT”                                                                         Undercover Spys

The Defense Sector

According to Dylan Jovine, CEO of “Behind The Markets” there are growing opportunities in today’s “Defense Sector” with a select group of companies that are currently rejuvenating the stock market.

For me, this means extensive research into those companies that show breakthrough scientific technology, have a head start into the development of artificial intelligence and most importantly have defense contracts with various branches of the military.

Imagine new technology from a company that can produce a missile which can travel over 25 times the speed of sound. That’s nearly 20,000 mph and over 90 miles per minute. But, that’s not all it can do. This missile can turn on a dime, change it’s course and be controlled remotely.

One such company is a small enterprise that has produced a “Hypersonic Missile” which has impressed our government and landed a sizeable grant to start mass production. More importantly, this company edged out larger enterprises such as Boeing, Lockheed Martin, General Dynamics and others. But the most significant thing they have done is contracted orders for their missiles from all four branches of the military.

A good place to begin researching this information for yourself is “Flight Global”, the global aviation community’s primary source of news, knowledge, insight, data and analytical expertise. There you will find the company I’m touting and perhaps expand your search to discover multiple opportunities with upside and promise to invest in. It is important to note that there will be various companies leading the way into the future of warfare. However, those backed by government funding and holding contracts from the military will most likely outperform the rest.

I believe the big winners in this sector will bring expanded “Artificial Intelligence” to ultimately defend future aggressions towards our homeland. There will also be the leader in “Drone Technology” getting huge government and military contracts.

The future will leverage decades of worldwide experience, world class engineering and a powerful development of highly innovative products.

“AI” = Artificial Intelligence

Today there is way too much hype about AI and, dangerously so when it comes to investing. Here are some well read syndicates quotes: Barron’s: “AI Stocks are soaring. It’s a feeding frenzy!” MarketWatch: “AI is dominating the action in the stock market right now.” yahoo!finance: “The AI Revolution is here: Will you be left behind?” Forbes: “Artificial Intelligence is going to change our world.”

Bill Gates, Jeff Bezos and even super investor Warren Buffett are all on board. Billionaire Mark Cuban said: “The world’s first trillionaire will be someone who can master AI.”

Important disclosure

Always keep your sights on the job at hand. Remember, investing involves substantial risks including and not limited to the possibility of the loss of principle. Past performance is never a guarantee of future results. You must always invest responsibly either by performing your own analysis or consulting with your personal licensed and registered financial advisors.

If you want to use your own judgment, investment clubs and syndications are the best way to find out generalized educational information about investing.

Counter-Culture

You can read a warning about “The Great Unraveling” taking place in this country. You can find this in a report titled: A National Divorce presented by Stansberry Research.

Wonder

Have you ever considered our relevance to the world we live in? Could it be we use this relevance in some way as a defense against stress, turmoil and anxiety? The issue here is whether we should be and can be more interested in the subject of our existence or our social existence. To understand that it is important in a historical continuum. Man has evolved with both a mental and spiritual development in regard to his place in history or his significance of what is yet to come.

For some of us uncertainty can lead to fear and anxiety. As I see it, the unknown can be approached as a process leading to deep thought and consideration. There is tremendous opportunity for open awareness, discussion and profound enlightenment.

Usefulness of awareness

Is it possible to master the art of awareness? I imagine anything is possible. And, this is why my life has been a series of questions and answers. Some of the answers I have come up with are not always correct, but asking the questions, for me, is extremely pertinent. Researching the answers is always compelling, enthralling, time consuming and sometimes easier said than done.

It is such a relief to dismiss questions by finding great knowledge, conceived ideologies and worldly views on just about any subject. So why not question every possibility…..?

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$$$ FREE MONEY $$$

Is there such a thing as: “FREE” Money?

With the internet promoting anything and everything these days it’s incredibly difficult to know what’s real and what’s completely fluff, misleading or downright fraudulent.

The Government

With that being said, a good place to start looking for free money or money that you might be overlooking is the government. Uncle Sam and most likely your local state government have money for you to claim; but, they keep it mostly to themselves. Electric autos, solar power home conversions, IRA contributions and even in some states new windows or home insulation upgrades may earn you “Free” money.

Anchors Away

The State of New Jersey’s “Anchor” Program was designed to give rebates to property owners for taxes they paid through the year 2019. This program came out in late 2020 and was unknown to most New Jersians. In 2022 the Governor decided to put an end to this rebate and he assigned a final filing date set for January 31, 2023.

Suddenly, the word got around and over night thousands a day were, attempting to access the state’s property tax website to find out how to receive this gift of “Free” money. Sure enough, all hell broke loose and the website struggled.  Consequently, thousands of homeowners were frustrated for many anguishing days, weeks and months. The phone calls to Trenton were overwhelming; and, the Governor declared an extension to claim these benefits. The extension was set for February15th, 2023.

Truth is, this only extended the pain and suffering to the many deserving New Jersey homeowners that either never got the information they needed or gave up trying. Others got through the maze, only to find out they needed previous years tax returns to calculate and determine if they were eligible to receive the rebate money.

This kind of “Free” money puts the onus on the receiver to find their way through to the pot of gold.

Where you live Matters

Where you live can earn you “Free” money. There are 13 states that currently do not tax any retirement income and a few others that don’t tax pension income as well. Pennsylvania, would be one such state. No taxes on 401K, IRA or Pension distributions can add up to an awful lot of Free” money.

There are also five states that don’t have income taxes at all. The closest to New Jersey would be Tennessee or New Hampshire. A huge earner in these states has an enormous advantage over many other Americans.

Age also has its Advantages

2023 “Senior Benefits” are available in all states, but can vary in ages to qualify. 50+ is the minimum age required to apply for many of these benefit programs.

The federal government recently created a bill featuring multiple benefits for seniors. Huge monetary benefits for Health Care including: Telehealth, Behavioral and Mental Health provisions. Obviously, the pandemic has seen massive telehealth and urgent care surges. The effects of isolation and confinement created mental health issues more prominent than ever before.

Furthermore, now through 2024 a Medicare provision allows hospital care to treat qualified patients in their homes. This ends up freeing hospital beds to face any future uprising COVID issues.

Social Security and Retirement Savings also saw tremendous government monetary benefits created by this bill. The SSA was allocated over 14 billion, which was nearly 6% more than the previous fiscal year. Most Americans collecting Social Security saw the largest increase in their benefits in over a decade.

Unfortunately, the Social Security administration is still in crisis mode. It’s customer service floundering by virtue of years of underfunding and enormous losses in staff. Compared to a decade ago, it takes an average of 75% longer to get a claim for disability benefits processed.

As far as retirement savings go, new laws have increased the age from 72 to 73 at which time retired individuals must start taking deductions from private retirement accounts such as IRA’s, and 401k’s. There is also a plan to raise that age again in the year 2030 to 75.

In 2027 there will be an additional benefit of $1000.00 for lower to moderate income earners who contribute to qualified retirement plans.

Other benefits include raising limits on catch-up contributions to 401K and 403B accounts for all people ages 60 to 63. Finally, a new law requires employers to offer part-time employees to contribute to retirement plans after two years of employment.

 

Buy 1 Get 1 Free

 

Read the “Fine Print”

I love those infomercials that state, at the very end: “today with your order we’re going to add a second one free………..only pay a small fee”. Say WHAT???

The greatest sales pitch ever for “Free” money is: “Buy one get one free.” Now don’t get me wrong, this can be well worth taking advantage of. I’m just saying use some common sense and read the rules of engagement to each and every deal.

If you regularly buy a  large pizza for $15.00, but the pizza shop has a special $19.00 pie on Thursday’s, where if you buy one you can get a second one of a lower price free, it’s not really a buy one get one free is it? However, it may just be an additional $4.00 expense that makes sense to some.

Money – Phones – Internet

Free money, phones and internet lead the way of the most common sales hooks, creating a beneficial relationship to the company offering the “Free” whatever.

Banks can offer you “Free” money to open new accounts. These accounts will most certainly have deposit requirements and other demands like monthly direct deposits, minimum monthly balances and time restraints. Make sure you understand that any monetary benefits you gain from a financial establishment of any kind will come with a “1099S” at the end of the fiscal year.

Free phones will undoubtedly come with minimum service requirements and binding or restrictive contractual agreements. All that glitters is not gold.

Many internet offers can be extremely misleading and undeniably, way to complex to successfully interpret. Once again, if it seems to good to be true, it most likely is just that. Always read the fine print and any disclaimers.

Make Government live up to their often understated programs

Yes indeed, free internet may be available through the government. In fact, most states offer free government paid internet if you receive Medicaid, SNAP, WIC, Special Housing Assistance, Veterans Pension, Survivor Benefits, Lifeline and Tribal or reside in a household of at least two individuals with less than a yearly household income of $36,620. *Phones can also be included for a minimal one time fee.*

Advantage to the Advertiser 

Today, with just about any service you need, if you search hard enough, you will find the crew, firm, person or company that will offer you “Free” estimates, reviews, diagnostics or consultations attempting to land you as a client, customer, consumer or even something more.

Law firms are offering “Free” representation with no upfront costs; furthermore, only getting paid when they win a settlement for you.

Free reviews of your will, retirement portfolios, and many more services are being advertised to create new and expanding business for the advertiser.

There are even companies out there that will give you “CASH NOW” for your annuities that you can’t utilize yet, or insurance policies that currently have less of a cash value than they will offer you. These are the “Serpents” of the world preying on the monetary needs of others.

In Conclusion

Looking for “Free” money can be easier said than done. Finding the time and patience to pursue the search is never simple, often frustrating and almost always disappointing.

The truth is, when you read statements like: “apply in minutes from the comfort of your home” or, “just complete and submit the simple enrollment forms”, this may just be the beginning of your troubles. Even worse are those dreaded phone recordings that state: “Stay on the line for the next available agent.” Worse yet: “Leave a call-back number and the next available agent will call you back.”

However, with all that said, all that’s worth pursuing may certainly be worth the pursuit.

____*WARNING*____

Stay centered on your search and don’t give out any information to uninvestigated sites or portals. Never disclose passwords or personal account information without knowing the validity of the request and an appropriate reason to do so. Always properly identify and confirm safe sites. Remember, cyber crime is growing yearly, can be extremely ruthless in design and might even result in undetectable consequences. Keep safety in mind at all times.

 

 

 

 

 

 

 

 

 

 

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What can we do to fight Inflation

The T*pster 2018

Staying calm during uncertain times

Soaring gas prices, grocery bills doubling, stocks in a seamless never ending downfall and interest rates reaching levels not seen in decades are surely disturbing if not to say devastating to most people.

Most older American are both confused and perplexed by the financial demise of their bank accounts and retirement portfolios.

Some signs have been encouraging over the last couple of months; but, to think global and domestic economic problems will recover quickly is not practical nor helpful in any way. Optimism about the near future is not what this article is all about. However, we definitely need to change how we think about this crisis and what we do about it.

I promise to quote some important financial minds and economic experts concerning the immediate future.

The midterm elections

Most older Americans would tell you that the results of the midterm elections were surprising, at the very least. Largely driven by the voice of younger voters, it could just be a look at the future of voting in this country.

Many older voters found themselves faced with new laws within their individual states that dictated how, where and when they could vote. This definitely had an effect.

Older voters have always been a driving force in our country’s elections. These voters are typically more informed and decisive.  For future reference one should go to their state’s governors website to get updated information about new voting laws established in their state.

The deadline to vote in most states is mid October but not all. I know in New Jersey to vote for November 8th elections you have until October 18th to register.

The importance of staying the course

The stock market has never been a short term fix for over 99% of all investors through the years. Unfortunately, for most, right now the ride seems way to turbulent and a desire to get liquid overtakes traditional wisdom.

However, it is critically important right here, right now to stay the course. Don’t even think of the short term as scary as that is, but focus on the long term. Remember that despite the setbacks, stocks have more than tripled over the last ten years.

Recovery and what to do next

The fact is, over the first six months in 2021 the market dropped nearly 25% and this was the first time we were in “Bear-Market” territory in over a decade. Still down nearly 20% as the year ends if you are in retirement or almost there the pain and loss can be overwhelming.

So, what are we to do?

Re-evaluate your stock and retirement portfolios. Think only of the long term and diversify your holdings to balance your risk and reward levels.

Why a weak January 2023 may be a good thing

The Dow Jones Industrial Average has ended January down 15 times since 1998. If the trend holds once again, investors are in store for a dismal start to 2023 and after a brutal 2022 and gut wrenching December.

But not all hope is lost. According to Matthew Carr, Chief Trends Stategist of The Oxford Club, over the last 25 years, January has been one of the worst months for stocks. In fact the only month more dismal for equities during that same time frame is September (notorious for its swoons). He does admit that things were much different in the 1990s, but times change.

Is There a Reason to Rally?

Few trends, are absolute. The Dow has posted some strong performances in January during the past quarter century….. like 2012, 2013, 2018 and 2019.

Remember, December tends to be one of the best months for equities. Steep sell-offs during the month, much like we just witnessed are rare. But when they happen, it often leads to uncharacteristic rallies in January.

This pattern isn’t universal, of course. Half of all December sell-offs we’ve seen in the past 25 years did continue through January. That includes January 2003 and January 2009 smack-dab at the end of two of the last three “Bear Markets”.

From a broad market perspective, the outlook for January 2023 is probably not the fresh start investors were hoping for. Technicals, are also pointing to more pain ahead.

The upshot is that a steep sell-off continues in January which pushes those October 13th, 2022 lows – will trigger a rally.

Don’t try to time the Market

Though people think they can somehow pick the best time to buy and sell stocks, I’ve seen far more guess wrong than right. Even the so-called experts get it wrong enough times to make it necessary to control your behavior.

Why take unnecessary risks. Don’t reach for unsafe interest and dividend yields. Companies that pay high yields and dividends are always more risky. Both high paying dividends from General Electric and General Motors cost investors dearly in 2019 and 2009 respectively. High yield bonds are referred to as “Junk Bonds” for a good reason!

However, the T*pster says, now more than ever before, balance your portfolios. This can be done by balancing your stock holdings with safe bonds and other fixed-income investments such as various out performing annuities.

Do take a chance on some stocks, but make sure you have multiple endorsements from professional money managers.

Seven out of ten economists surveyed by Bloomberg are forecasting a recession this year. But it’s good to remember that the market is always forward-looking.

I believe that the market has already priced in a recession and now its sight are set upon a recovery. Will that take place in January? Or, will the bottom be pushed even further during the first half of 2023.

In Conclusion

I have presented key questions and even more optimistic answers that you, as individual investors, need to find out for yourselves in the new year.

It just might be the appropriate time to join an investment club if you haven’t already. I belong to The Oxford Club and for the first time ever, Alexander Green, Chief Investment Strategist, is set to reveal his #1 investment for 2023.

Finally, do not keep all your money in cash; but do keep enough to sleep peacefully at night.

Markets will recover and capitalism will more than survive.

 

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A Truth About Covid-19 & Your Beloved Pets

MY GIRLS – TWENTY-FIVE YEARS AGO

The Uninformed Internet

If you are like millions of people in the world today, you depend greatly upon the information found readily available on the internet. Unfortunately, very few truly understand that this dependence is tragically the opposite of life.

When did we give-in and over to the feeling of needing internet assurance that what we see and feel is factual and relevant? Why is it so easy to grant this power to the internet and relinquish our God given power of insight and intellect?

What we want is reassurance and the internet can often result in misinformation that does that very dangerous thing!

 

Unintentional – YET – Unresponsible

Don’t get me wrong, I honestly believe the internet, for the most part, is attempting to be informative and helpful. However, the misinformation, whether unintentional or not is abundant and uninhibited by scrutiny of any kind. This, in itself, is the greatest danger we can succumb to.

When did we remove humanity from the equation? Is this insignificance we share, something we are actually aware of? Or, is it possible that this is humanity’s attempt to rededicate ourselves to each other, to live life and love all that surrounds us?

Anyway you choose to look at it, the internet is free to inform and at the same time innocent of misinformation.

 

The truth about Covid-19 and its effect on your pets

When my wife, Anna and I tested positive for Covid last week we hardly considered the consequences it could have on our beloved cat, Sage. However, love can be the demise of your pet when this virus infests your home.

Our healthy, young and fit Sage was the victim of internet misinformation. She was a baby, just seven years old and a real tiger at heart. Unfortunately, for her, she was loving and trusting of her mommy and daddy. She loved a good belly rub and being nestled in her daddy’s embrace. This love and trust did her in.

When she developed sniffles and sneezing it was both cute and comical. This didn’t occur until late Friday night the 23rd of December. Come Saturday morning she seemed both hungry and confused as her nose kept the sniffles present. Mostly she seemed upset that she was dripping sniffles into her food dish.

It was at this point Saturday that I decided to research the effects of Covid-19 on pets. The internet had numerous accounts of infected felines and canines and seemed determined, at the very least, to assure pet owners that there were no known deaths associated with Covid. In fact, they cited thousands of reported cases that resulted in pets recouping fully and quite quickly.

However, one European group of veterinarians documented a single case of an older cat in France with an underlining heart defect that died from the effects of the virus.

For all intensive purposes the internet was much more concerned with the pets infecting the household as to the opposite happening.

One thing for certain the information was comforting and went as far as to say isolating the cat was the smartest thing to do. The advice was to feel very confident in keeping your pet at home and letting their own immunity revive their health. There was both practical and scientific evidence that a visit to the Vet was totally unnecessary.

 

 

The shocking strength of Covid-19

By Sunday, Christmas day, I was beginning to feel much better and my wife still achy and probably a couple of days behind me, in terms of recovery, seemed to be my main concern for the day. Sage was still wrapped-up  in her bed, in a blanket I placed around her the night before.

Anyway, this was to be an at home Christmas void of family and friends. This meant lots of phone calls to all those that mattered in our lives. The cat endured the day, mostly unnoticed by the two of us. I did some cooking for us and we watched a “Christmas Carol” that ended at 8pm. We were both exhausted, most definitely from the ordeal of covid over the last four or five days.

At this time I went upstairs to look-in on my baby, Sage. What I found was alarming and troublesome. She had made her way out of her bed and was now lying flat on her belly with her face in a significant puddle of clear as can be liquid. She was absolutely limp and unable to get to her feet. I made calls not to one, but to three different Animal Clinics in the area. All were closed for Christmas and also for the following Monday as well. They did offer an emergency number to call and it was at this point I realized that nothing was going to help my little girl make it through the night accept her determined Daddy holding and wiping her nose and mouth continually.

I proceeded to take her to our bedroom and lay her down on a soft thick blanket while I got tissues to wipe her soaked face and neck and nose. She now was responsive enough to be starring at her daddy and conscious of my efforts to help her. It became obvious that she was ready to submit to my care and with loving, trusting eyes she watched my every move. I kept telling her how good she was doing and reiterated the words: “just keep breathing Sagie……keep breathing.” With that look of the “TIGER” that she was, she listened to every word and seemed determined to do just that. Midnight came and all the tissues were gone and I now come back to her after getting a second roll of toilet paper. Her eyes followed me with every move I made. Anna had now fallen asleep on the floor, lying upon a new sheepskin rug we bought weeks before.

Suddenly, the breathing Sage was struggling to do with her nose ended and her mouth opened wide to continue to breath that way. She stretched in a peculiar way snapping her head, into a position that appeared as unnatural as it looked uncomfortable. I tried to correct her position, but her body was now in a rock solid phase that would not loosen or relax. I was now the only source of keeping her warm and dry as fluid seemed to be pouring from her mouth continually. The second roll of toilet paper disappeared in less than an hour.

Her breathing was well over 100 breaths per minute and I knew that her heart was undertaking a tremendous strain to continue. All I could do was to tell her how lucky I was to have the best little girl ever, how much I loved her and how sorry I was for letting her down. At 2:37 am she coughed two loud coughs and with lots of liquid in her lungs I heard a thump as her heart gave out. She died with her eyes wide-open, staring at me as if to say: “Daddy what happened?”

We had our beautiful little girl cremated Tuesday, December 27th.

We will miss her dearly.

 

 

 

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MONEY MATTERS – A FINANCIAL REPORT


  EVERY SPRING MY FRONT YARD BLOSSOMS

$$$$ YOU BETTER BELIEVE IT $$$$

MONEY certainly does matter! 

While the covid-19 virus and various strands with lesser but still devastating oppression seem to be calming down, the world wants to return to normalcy; but, we’re not quite sure how to go about it. The new administration, faced with the largest inflation experienced over the past twenty years, seems indecisive and stubborn. They have clearly underestimated the cost of this pandemic and the essentiality of impending legislation.

The fact is, most families are either buried in credit card debt or recklessly unaware of the disruptions happening within and around them.

Can the government be foolish enough to continue to subsidize it’s people with checks that insult the working class and encourage those already collecting unemployment benefits to continue to do so! And, if so, can we the smart ones look to do something with this currency.

INVESTING, historically speaking…

As it’s been throughout the history of the stock market, the time to invest or “re-invest” is when stocks have been depressed and are approaching their all-time lows.

As it’s been throughout time people that take action, reap the results of their zealousness.

Right now, the three biggest stories running are (1) Inflation: especially the rise in food and gas prices (2) The war in Ukraine: especially concerning refugees and the Russian threat to surrounding countries (3) Abortion Rights, Mental Health, Guns, and Climate Change or the incompetence of the Supreme Court, Senate and Congress inclusively.

At least the Feds have adjusted interest rates, which by their own merit have created investment opportunities.

ANOTHER worthy T*psterism

I’ll let you in on a little secret…… The three big stories aren’t separate, and they certainly aren’t independent! In fact, they’re “ONE” story – and a big one at that. As a single identity, they represent a single narrative which consummately needs to be viewed as a single threat.

This is most certainly how mass media sees them and how Wall Street treats them.

A threat to the stability of both the U.S. and Global economies. Ultimately, a threat to the American financial market, which remains the most powerful in the world.

Furthermore, a threat to investors both individual and institutional who simply don’t get it! Unenlightened investors who just can’t seem to understand. Those who are uncertain of what’s really happening will remain crippled by their fears.

“It‘s just ONE THREAT and that’s all you need to remember when attacking it!”

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The buying power of the new Global Middle Class

Even though the pandemic erased a year or more of its growth, the global middle class since 2010 has grown at a rate of nearly 50 million people per year and has reached an incredible 1.5 billion worldwide. By 2030 that number will look more like 5.5 billion: this according to the European Commission. 

Consumerism:

Middle-class consumers will drive economic growth and consequently the health of their countries and financial markets.

This is truly a big deal and especially over the long term, as economics is and always will be about “Supply & Demand”.

Inflation

Inflation is the uncontrollable result of scarcity. Wars, drought and other less important elements can lead to scarcity. It’s certainly obvious that over the remainder of this decade there will be a rising global scarcity of food even as demand rises. That frightening statement can paralyze or jump start your actions.

On its face, that sounds scary. However, if you understand the consequences of the scarcity ahead of time you can act to prepare and protect yourself. Yes, and you can profit from your actions, possibly creating meaningful wealth for you and your family.

By weaving together your intelligence and desire, you can use multiple resources at hand to discover new insights and fresh perspectives to enrich your life. The incomparable value of the internet and various outstanding professionals create a welcoming atmosphere to assist you. Consequently, you can find detailed answers to demanding questions enabling you to focus on the wonder of the world before you.

I firmly recommend joining longtime established investment clubs such as the “Oxford Club”. Without question they are worth the yearly dues hands down. On the free side there are various investment firms with an abundance of information. The latter requires much more work and determination, not to mention intelligence. Just remember, passion keeps you going but it doesn’t pay the rent.

The war in Ukraine

All wars, whether foreign or domestic lead to consequential manifestations and realities. This is an absolute fact and determination of the differences can be troublesome to say the least. That being said, today, depending on what news source you are listening to the differences are incredible.

However, whether or not the war in Ukraine is responsible for inflated gas and food prices the fact remains evident that these things are happening, concurrent to the war.

The government’s response

When hate motivated attacks on undeserving individuals and communities overwhelms the news again and again in this country the actions of a few cannot eliminate the despair of many. Mental Health can’t continue to be the reason for all this hate. Weapons of mass destruction, owned by individuals, was never the aim of the second amendment to the Constitution of the United States of America.

Depending on politicians to enlighten us can be risky business. To outmaneuver the government is certainly recommended.

“Actions speak louder than words” is a quote older than time. Take a real look at the procrastination of our government. The pretension of awareness from our senate and the downright partisan and contemptuousness of our supreme court justices.

The path of the righteous

Actions must be an antidote to despair and the fear of governmental inhibitors. I’ve discovered over the last decade that my own intelligence nurtured with the actions of others much more intelligent than I have given me great focus and resolve.

Maybe the biggest lesson I’ve learned is that there are no magical heroes. If we can’t or won’t help each other there will be no tomorrows worth living. But, if we all do what we can, it can make an incredible difference.

The “Promised Land”

Before Martin Luther King Jr., was taken from this earth meaninglessly in 1968, he spent his final night preaching to a packed church in Memphis. He spoke about his life like he was giving his own eulogy. He acknowledged that there had been threats on his life, but that didn’t matter. “Because I’ve been to the mountaintop,” he said, “and I’ve seen the promised land. I may not get there with you. But, I want you to know tonight, that we, as a people, will get to the promised land.” The feeling in the church when he said these words had to have been indescribable.

I only wish I was there.

Every year I celebrate Martin Luther King Jr. on his birthday, because he was truly a righteous man and a gift from God. Every April 4th, I mourn, because that gift was taken away.

__________________________________________________________________________________

Safe but never Sorry

As for the T*pster, I’m waiting and watching for my next breakout opportunity. And, for those of you wondering if I would make a recommendation for an event like that, I’m not ready to risk any of your hard earned money right now.

However, to be safe and totally without worry, why not follow a well known billionaire’s approach to worldly fortune and wisdom. All Warren Buffett does all day is read, READ and R-E-A-D.

If you had invested 10K in the S&P 500 in May of 1965, when Warren Buffett took the helm of Berkshire Hathaway, and re-invested the dividends, it would be approaching $2.75 million today. Not too bad…..huh?

So, what can you buy in this market with absolute confidence that is totally safe, conservative and without worry? One answer, for certain, is Berkshire Hathaway: (NYSE = “BRK-B”).

When you own a share of Berkshire Hathaway you posses stakes in both public and private companies, including Coca-Cola, Verizon, Geico, Procter&Gamble, UPS, Duracell, Dairy Queen, and General Motors just to mention a few. The fact is, BRK-B is up over 4% in 2022 while the S&P 500 is down nearly 6%. Why people doubt Warren Buffett’s knowledge and insight totally baffles the T*pster.

In Conclusion

The media is continuing to feed you massive amounts of misinformation. Wall Street certainly doesn’t have your backs and U.S. Politicians promise exactly what you want to hear and do little to nothing to make that come to fruition.

Unfortunately, the stock market’s a mess and some stocks will drop further still. But others could be gearing up for an explosive recovery. The Oxford Club’s, Alexander Green, is searching for the next big catch on “Insider Trading”.

Places I like to investigate include: “fastfortuneclub.com” and “moneymappress.com”

 

 

 

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