Saturday, March 29, 2025


Yet Another Study Reveals the Link Between Quack-Cines and Autism

Yet more research finds that childhood quack-cines are likely to be responsible for almost 80% of cases of autism: hardly surprising when you inject heavy metals directly into their bloodstreams

Gemma O’Doherty

Mar 10, 2025

The mainstream media have known for decades about the link between quack-cines and autism but have gone to strenuous and sickening lengths to hide it because their paymasters are the pharma companies that manufacture the toxic jabs. Just think how many children might not have ended up with autism and other debilitating illnesses if journalists had been doing their job scrutinizing these giant corporations - many of which have criminal records.

DYI QUICK COMMENT:  I don’t know of one pharma company (unless just recently formed) that hasn’t ever in their existence not to be fined for criminal behavior.  Back to Gemma.

But the evidence that quack-cines cause autism continues to pile up despite their desperate attempts to cover it up. Another new study has found that childhood injections are likely to be responsible for 80% of cases of autism. The study ( https://perma.cc/48KV-BH4B) which was carried out using the Medicaid database of Florida, found that quack-cinated children have a 170% higher chance of being diagnosed with autism spectrum disorder compared to unquack-cinated children. They also have a 212% greater chance of developing a range of other neurodevelopmental disorders including attention-deficit/hyperactivity disorder (ADHD), epilepsy/seizures and learning disorders.

The study found that 85% of children's learning disabilities in the US are caused by the CDC’s quack-cination plan, which the new Health Secretary Robert F(raud) Kennedy Jr fully supports.

Even though governments, manufacturers and the medical profession are unwilling to acknowledge it, every single study ever published in the literature peer-reviewed by experts has shown that unquack-cinated children are healthier in all areas than their quack-cinated peers.


Thursday, March 27, 2025

 The

Real Reason

Behind the Russian Ukraine War!

All in one simple paragraph!

The Real Enemy of the American people Is Not Russia, but the EU Regime in Brussels

Russia, on the other hand, poses no threat to the American people. Its actions in Ukraine were provoked by the West. It was in response to the expansionist push of NATO toward the Russian borders. This push was largely driven by the American foreign policy elite backed by America’s corporate interests who hope to topple the less-than-cooperative Putin so that they can plunder Russia’s vast natural wealth.

Tuesday, March 25, 2025

 When is

The Best Time

To Buy a House?

DYI:  When your payment is no greater than 25% of your income at the maximum.  The best is equal to or less than 15% of your gross income.  This will require a down payment greater than 20% despite this difficult task its benefit is piece of mind with a payment that can be easily maintained.  The other route (plus your down payment) is buying during economic downturns; however when the next opportunity arrives is unknown. 



Sunday, March 23, 2025

 Dow to Gold Ratio

Long Term Valuation Tool

DYI:  The Dow to gold ratio will let you know when the major turning points for stocks vs precious metal and other natural resources.  The year 2000 the Dow Jones Industrial average was at a staggering 43 to 1 – [Dow 11723 ÷ $275 = 43(rounded) to 1.  The average since 1900 is around 10 to 1.  This makes the Dow 330% above its average thus showing how overvalued stocks were (especially high tech) and how cheap gold was at that time (under $300 per troy ounce). 

Gold today is now over $3000 per troy ounce and yet despite that massive rise the Dow to Gold ratio is currently at 14 to 1 (rounded) highlighting that gold still has room to move up much higher. 

IMO the Dow to Gold Ratio when this super cycle is completed gold will be massively overvalued and stocks, once again, on the give-away-table just as stocks were in the early 1980’s.  The Dow to Gold ratio will end the gold run around 3 to 1 or even possibly 1 to 1.

DYI will be selling gold/silver systematically and buying systematically stocks with absurdly low PE’s and wonderfully high dividend yields setting up for huge gains in the future.



Wednesday, March 19, 2025

 Prices

Rolling Over?

The median priced home in the U.S. hit $430,000 as opposed to median yearly rental at $24,000.  This is a Price to Rental Ratio at an elevated 17.92!  Anytime this ratio is above 15 buying is overvalued thus renting is the better deal.   

Many astute homeowners and investors over the past two years selling off of their properties.  However they will only do this if the gain at a minimum is over (after all expenses for selling) $500,000+!  At $700,000+ it is a no brainer!  Please note those who live in the east or west coast (and Canadian's) you will need to adjust your price to yearly income ratio as these figures are U.S. median prices and rents.



Sunday, March 16, 2025

 Medical

Credit Cards

30%+ Interest Rates!

How Doctors Are Pushing Medical Credit Cards on Patients

Thursday, March 13, 2025


 Secular

Bear Market for Bonds?

August 4, 2020 10 year Treasury bond yield bottoming at 0.52% marking the end of the great bond market of a lifetime for Boomer’s and Silent generation.  Today the secular trend is upward but never in a straight trajectory higher.  As we go through growth marred by stagflation and recessions interest rates will move up with higher highs and higher lows.  This will benefit silver, short term notes, and gold.    



 Amazing how it only took 30-40 years to BS a HUGE number of Americans into believing that debt is really “liberation.”



Monday, March 10, 2025


S&P 500 Index Funds

The Good and the Bad

The good of buying an S&P 500 index fund especially from Vanguard Group of Funds is a basket of stocks with extremely low turnover (very tax efficient) all accomplished by a fund with an expense ratio low in the extreme.  Wow what more could one ask for?

The biggest problem index funds they are capitalization weighted with the lion share of companies with larger market capitalization exert a greater impact on the index value.  If the index was to be constantly equal weighted there would be an increase in portfolio turnover thus reducing (sometime significantly) its tax efficiently for those in a taxable (non pension) accounts.

What we have experienced is the top 10 stocks powering 40% of the gains and during any decline most likely these 10 companies will power the majority of the decline.  Our current market environment we may be witnessing the bad aspect of an S&P 500 index fund. 



Saturday, March 8, 2025

 

MY PLAN IQ

9 Lessons From Retirees' Biggest Retirement Regrets!

Business Insider recently surveyed over 3,300 older Americans that revealed common retirement regrets. Drawing from this survey and additional insights elsewhere, we've identified the top 9 lessons younger Americans can use to improve their retirement planning:

The number one regret among these retirees, as many might have guessed, is not starting to save and invest early! This basically aligns with the core message of this newsletter.

Here are the top lessons:

  1. Start Saving and Investing Early
    • Begin saving in your early 20s or even in college, even if contributions are small.
    • Contribute enough to employer-sponsored retirement plans to receive the full match and increase savings as your salary grows.
    • For those without workplace plans, consider IRAs (Traditional or Roth). Solo 401(k) and SEP IRA are often ignored by self-employed. 
    • Investing early allows you to capitalize on compound interest and reduce reliance on Social Security.
  2. Diversify Retirement Accounts and Investments
    • Open brokerage accounts to start investing with minimal barriers.
    • Explore Roth 401(k)s if you anticipate being in a higher tax bracket later in life.
  3. Avoid Over-Reliance on Social Security
    • Relying solely on Social Security can lead to financial constraints later in life.
    • Delay claiming Social Security benefits until full retirement age (67) to maximize payouts.
  4. Plan for Major Life Events (Divorce or Spouse’s Death)
    • Married couples should align their retirement goals and analyze finances as a household.
    • Protect assets with prenuptial agreements and consider trusts for wealth preservation.
    • Ensure there’s a will and life insurance policy to secure assets and income in the event of a spouse’s death.
  5. Build a Robust Emergency Fund
    • Save three to six months’ worth of expenses as a safety net; increase this to one to two years as retirement nears.
    • Be prepared for unexpected expenses, such as medical emergencies, layoffs, or natural disasters like the recent wildfire tragedy in Los Angeles!
  6. Factor Healthcare Costs into Planning
    • Regularly research and evaluate insurance options to minimize out-of-pocket expenses.
    • Factor in long-term care cost that will be needed at some point!
  7. Utilize Government Assistance and Benefits
    • Consult benefits counselors to determine eligibility and conserve personal savings.
    • Investigate programs like SNAP or Medicaid for potential financial support.
  8. Balance Saving and Enjoying Life
    • Avoid regrets of over-saving by maintaining a balance between preparing for retirement and enjoying the present.
    • It's all about balance: fulfilling experiences while securing your financial future.
  9. Seek Professional Financial Advice
    • Even if you're financially savvy, advice and guidance from a professional serve as a valuable second opinion and a regular reminder to help you stay on course!