Retired Investor

Dividend Investing, Index Funds, Bank Stock Investor, Cycling, Football, Alternative Music, Penn State

[Retired Investor @CommunityBnkInv]

Social Security Reform #SocialSecurity

Proposal to triple benefits for citizens
For those entering the workforce, a new one time choice

1. Privatize Social Security & allow citizens to invest funds in pre approved investments

2. Stay in current system

Move all non retirement benefits such as disability or other programs out of Social Security to general government programs supported by tax revenue

Investment Options for Choice 1:
70% in Total Stock Market Index Fund
30% in Aggregate Bond Market Index Fund
Fee cap of 0.05% & no ability for government to mandate where investment dollars go

To be clear, index includes an estimate of all stocks and bonds in the US markets - no segmentation, leverage or sub targeting allowed

Rules for distributions are the same as IRAs (Required Minimum Distributions or RMD)

At death, remaining money rolls to beneficiaries (same rules as current IRAs)

No emergency withdrawals allowed

Benefits :
Increases retirement income dramatically (more than 3 times greater) & eliminates the challenge of funding a defined benefit retirement plan

There will never be a drain on the federal government finances from Social Security again for those in private plans

Example :
Assuming your invest social security taxes for an individual into the 70% stock / 30% bond portfolio with returns well below historical levels of 7% for stocks & 3% for bonds, total payouts of benefits would be 3.2 times the benefits that the individual would receive in the current social security system

Average annual return for the S&P 500 has been 12.9% in my working lifetime & total bond market aggregate has been 6.1% return annually

Challenges :
Educate voters - new requirement to educate students & students must pass test prior to graduation

Transition costs as young workers transition out of the current system (although it is a current commitment so there is no real change - just following through on past commitments)

Convincing government that giving up control of citizens social security is acceptable (it is citizens money but government controls our money right now)

@WaysandMeansGOP @SocialSecurity

[Retired Investor @CommunityBnkInv]

@zerohedge So many countries froze Iranian assets due to sanctions from the UN, US and others

These totals being thrown around going to Iran are not being given to them in the form of new money

Simply unfreezing their assets

[Retired Investor @CommunityBnkInv]

@SenSanders Why not privatize Social Security?

My proposal triples benefits for all of us and takes the government out of the loop

Capital would be invested in the US economy

Immense benefits for tax payers but govt loses control of the money - I know you object to this part

[Retired Investor @CommunityBnkInv]

@SteveBakerUSA LOL

[Retired Investor @CommunityBnkInv]

@SteveBakerUSA New info coming out soon on Brian Cole Jr case?

What is the real job of Shauni Kerkhoff at the CIA?

You said in an interview that they told you she was just working as police officer within CIA ... but this was not correct.

[Retired Investor @CommunityBnkInv]

@dividendology Buying Meta feels like buying tobacco stocks

Very cheap but investors don't like their business model

Also, I am worried that they need to raise large amounts of equity to fund their AI build out

[Retired Investor @CommunityBnkInv]

@RealJamesWoods @ms_viola_lee Great lesson again being told

Don't ever count on government to do what is right

This is why our founding fathers worked so hard to constrain the federal govt in our original constitution

I just wish we stuck to their original intent

[Retired Investor @CommunityBnkInv]

@maddenifico LOL - no one in the entire universe would think that the mainstream media is anything but far left

[Retired Investor @CommunityBnkInv]

Some interesting metrics to consider

2026 total public company estimates as compared to the median in the past 20 years :

P/E Ratio is 17% higher

Net Profit Margin is 41% higher

1 Year estimated earnings growth is 83% higher (2026 estimate versus 2025)

3 Year estimated earnings growth is 51% higher

10 year estimated earnings growth is 60% higher

So widening profit margins, higher return on equity, higher earnings growth....

Market is acting rationally - big question is what will hurt these fundamentals or do we expect margins to stay wider over the long term due to structural shifts in the US economy?

Stock markets always follow earnings and return on equity over the long term

#StockMarket

[Retired Investor @CommunityBnkInv]

@HeroDividend A 80 year old man asked me about the Space X IPO as I walked through the hallway when seeing my mother at a Senior Living Facility

He heard that I followed stocks & really wanted to know how to get into the deal - but knows nothing about the company

Bubble???

[Retired Investor @CommunityBnkInv]

@SalsaPrice @SteveBakerUSA @feds4freedomusa You wonder what happens when people enter these leadership roles sometimes

But then again...

Intelligence agencies have access to everything you have ever done

I can only image the blackmail material for some people

[Retired Investor @CommunityBnkInv]

@SenAdamSchiff Amazing how the fraud in California is so extensive and coordinated

It must end or our country won't survive

Not sure why leftists want to steal elections and loot taxes paid by hard working American citizens

Criminal behavior

[Retired Investor @CommunityBnkInv]

Student loans are unsecured credit - 8% is a gift for unsecured loans to someone who has no degree, no work history, no job, little assets, no income.... potential but no collateral or income

Almost all student loans are from the US government - Obama nationalized student lending - there is no underwriting in lending now - it is the default for most students when they get accepted - you have to make a selection to not receive a loan

No surprise that since the govt took over tuition inflation accelerated, delinquencies rose & pain is more common with student borrowers

[Retired Investor @CommunityBnkInv]

Anything worth doing uses energy and water (see below). Some use more than data centers and some use less. People hate change & some of our enemies want us to slow down because AI is such a strategic asset & advantage.

The other point is that AI will help to reduce energy in other places over time. Time will tell whether there will be net savings but think about it.

AI benefits : intense efficiency gains, new discoveries using simulations, better health through new drug development, less loss of life due to automated driving, etc.

Trades offs are part of life.

#AI #DataCenters

[Retired Investor @CommunityBnkInv]

10 Lessons from Adam Smith https://t.co/ueCtpdIfKk

[Retired Investor @CommunityBnkInv]

@JoeSquawk @zerohedge Tell me Scott Pelley lives in a bubble without telling me "he lives in a bubble"

[Retired Investor @CommunityBnkInv]

Your data is just fabricated. Here is a real overview from the FBI. Most political violence has obviously been from leftists in recent years but political violence is rare statistically.

Key Demographic Statistics of Murder Offenders
Gender 87.6% Male

Ethnicity
Black or African American: 54%
White (including Hispanic/Latino): 43%
Other Races 3%

Age Range
Homicide is primarily committed by young adults. The peak age range for offenders is 18 to 24 years old, followed closely by the 25 to 34 cohort. It is relatively rare for individuals under 15 or over 50 to commit murder

Income Range and Socioeconomic Status
Homicide rates and offender profiles are heavily concentrated in neighborhoods characterized by low income, high unemployment, and lack of economic mobility.

The Neighborhood Context
Criminologists emphasize that socioeconomic status is one of the strongest structural predictors of violent crime. Individuals living below the poverty line—regardless of race—experience drastically higher rates of both committing and becoming victims of violent crime due to systemic factors, lack of resources, and localized neighborhood disadvantages

Other Key Homicide Characteristics
Beyond demographics, FBI tracks the context of these crimes, which helps best describe how and why these murders occur :
Relationship to the Victim: Most murders are not random acts committed by strangers. Acquaintances/Friends/Neighbors: ~30% of victims are killed by someone they know.
Family Members/Intimate Partners: ~14% are killed by a family member
Strangers: Only about 10% of homicides are committed by a complete stranger (the remaining percentage accounts for cases where the relationship is unknown or still under investigation)

Weapons Used:
Approximately 74.2% of all homicides involve a firearm, with handguns being the most frequently used weapon.

Circumstances: The most common catalysts for homicide are arguments (often escalating brawls or romantic disputes) and crimes committed during the execution of another felony (such as robbery or drug-related offenses).

[Retired Investor @CommunityBnkInv]

@catturd2 Next question is why?

Because the rigging is done to put people in power who will facilitate huge financial fraud for the crime syndicate

Make everyone rich with Medicare fraud, Medicaid fraud, homeless reduction fraud, autism fraud, affordable housing fraud, etc.

[Retired Investor @CommunityBnkInv]

@funder California regime needs to protect its criminal enterprise and vote fraud schemes

They are all making so much money on the frauds

They have so much at risk and need to do what it takes to keep them out of prison

[Retired Investor @CommunityBnkInv]

@MarioNawfal Brilliant