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!

 

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CDC's official FOIA confession: we have no scientific evidence of feline viruses or contagion... & no record of a "viral genome"

an indirect confession of horrific trespasses


Greetings and Best Wishes,

Prompted by the publication of viroLIEgy author Mike Stone’s latest article “Cat Trick: How to create the fictional "threat" of a "spillover" event” this morning, I am prompted to finally publish the official FOIA confession that I received from “the CDC” regarding various supposed feline viruses.

On July 2, 2024 I filed a FOIA order (24-01330-FOIA) with the CDC for:

all studies/reports in the possession, custody or control of the Centers for Disease Control and Prevention (CDC) and/or the Agency for Toxic Substances and Disease Registry (ATSDR):

1) that scientifically prove/provide evidence of the existence of the following alleged viruses that supposedly infect cats:

Feline Immunodeficiency Virus (FIV),
Feline Leukemia Virus (FeLV),
Feline Coronavirus (FCoV),
Feline Panleukopenia Virus (FPV),
Feline Herpesvirus (FHV),
Feline Calicivirus (FCV),
Rabies virus

(showing that the alleged particles exist and cause the illness/symptoms that they are alleged to cause… I didn’t even ask for proof that these purported particles infect and hijack cells and replicate).
|

2) that describe the purification of particles that are alleged to be said "viruses", directly from bodily fluid/tissue/excrement of sick cats, with purification confirmed via EM imaging. 

3.  that describe the purported genome of any of these alleged viruses being found intact (as opposed to fabricated in silico aka made up on a computer).

4.  All studies/reports in the possession, custody or control of the institution that scientifically demonstrate contagion of any illness / symptoms that are allegedly caused by any of said purported "viruses".

As usual, I asked that if any records match the above descriptions and are currently available to the public elsewhere, I be provided enough information about each record so that I may identify and access it (titles, authors, etc.).

Why did I ask for such records? Because, as Mike puts it:

“Since virologists can’t dazzle us with direct scientific evidence of pathogenic “viruses,” they keep trying to baffle us with pseudoscientific theatrics aimed at stirring up fear of invisible boogeymen lurking in animals.”

Also, previous freedom of information responses from literally hundreds of institutions in 40 different countries have resulted in a grand total of ZERO instances of valid, logical, scientific evidence for any purported virus… and the CDC and other institutions have indirectly confessed that virology is simply not a science but rather a pseudoscience… by definition (see links further below).

On September 9, 2024, Ryan Wallace acting as leader of the CDC’s “rabies program” emailed me offering to address my “questions”, from outside the country (pg 13).


To which I clarified that I hadn’t asked questions but rather had filed a FOIA order for records and an official response.

And that was the last I ever heard from Ryan Wallace acting as leader of the “rabies program”.

On October 29, 2024 Roger Andoh acting as FOIA Officer in the Office of the Chief Operating Officer responded with the following official legal confession (pgs 16, 17, 24-01330-FOIA):

“Personnel from the National Center for Emerging and Zoonotic Infectious Diseases (NCEZID) conducted searches for materials related to your request. A search of our records failed to reveal any documents pertaining to your request.

Unfortunately Roger couldn’t leave it at that and he went on to discredit himself by offering myriad nonsensical excuses for this colossal failure, and red-herring distractions from this confession of criminal fraud, idiocy, neglected duty of care, etc. See pages 17-19 if you have the patience to read his inane excuses and my response.

Recommended Reading/Viewing

I can’t keep up with all of the new content debunking the germ hoax (which is a great problem to have), but here are some recent offerings:

The Listeria Hysteria - Dr Sam Bailey

Eric Coppolino reviewed the November 2020 segment of the covid hoax and interviewed Kevin Corbett, one of the 22 signers of the historic “retraction demand” re the Corman/Drosten “covid” PCR protocol publication:
This Month in Covid History.

Rethinking DNA: Examining the Evidence featuring Dr. Tom Cowan - with Alec Zeck

What Killed the Native Populations? - Dr Sam Bailey

Disease Madness - What Is Happening? Part 1 - Dawn Lester

Michael Bryant on the Spanish flu myth - on Jerm Warfare with Jeremy Nell

Fear is the Real "Virus" Addendum - Mike Stone
No replication competent obligate intracellular parasite required.

Bursting The Germ Theory Bubble The Bubble Boy - Dr Sam Bailey

The fraud of viruses holds in place the world we do not want to live in - Betsy

Me calling out “medical officer” and illegitimate order-issuer Thomas Piggott and his partners in crime in front of Peterborough "Public Health" (a "non-profit" that aids and abets the criminal quackcine industry and has zero legitimate authority over men and women), along with “Silent Survivors” of the covid-hoax jabs:
Video

Me reporting the virology and covid hoaxes and providing my latest notarized affidavit to detective Darren Prinsen, Halton Regional Police Service, November 9, 2024.
Video, part 1

My friend “ER” also provided evidence to Darren regarding the complete lack of due process during the hoax. Said lack of due process led to unnecessary deaths occurring.

Some of Darren's colleagues refused to take a crime report from “ER” and others in 2021 and this is now coming back to haunt them. They were warned that if people died as a result of the hoax, which of course did happen, their failure to act would make them a party to murder. We called for these colleagues to be charged with “murder”.

(Even the criminal code of “Canada” acknowledges culpable homicide as “murder”, see here and s229 (c).)

I support “ER”’s suggestion that Ontario police form 2 tactical teams to arrest the people who acted as “Lieutenant Governor” and “Parliament” and his suggestion of life in prison for these criminals.

I also support my friend Christopher James’ call for a police escort to ensure that we the men and women have access to our supposedly “public” courthouses to press claims and hold court to expose the covid hoax and so much more, without interference from the legal profession.

Official Confessions/Evidence Confirm that Virology is Pseudoscience

Freedom of Information Responses reveal that health/science institutions around the world (225 and counting!) have no record of SARS-COV-2 (the alleged convid virus) isolation/purification, anywhere, ever:
https://www.fluoridefreepeel.ca/fois-reveal-that-health-science-institutions-around-the-world-have-no-record-of-sars-cov-2-isolation-purification/

Excel file listing 225 institutions:
https://www.fluoridefreepeel.ca/wp-content/uploads/2024/09/Institution-list-for-website.xlsx

FOI responses re other imaginary “viruses” (HIV, avian influenza, HPV, Influenza, Measles, etc., etc., etc.):
https://www.fluoridefreepeel.ca/fois-reveal-that-health-science-institutions-have-no-record-of-any-virus-having-been-isolated-purified-virology-isnt-a-science/

FOIs re secretive and unscientifically "mock infected" cells (aka invalid controls) and fabricated "virus genomes":
https://www.fluoridefreepeel.ca/do-virologists-perform-valid-control-experiments-is-virology-a-science/

3000+ pages of "virus" FOIs in 8 compilation pdfs, and my notarized declarations re the anti-scientific nature of virology:
https://tinyurl.com/IsolationFOIs

Failed freedom of Information responses re contagion:
https://www.fluoridefreepeel.ca/freedom-of-information-responses-re-contagion/

Do health and science institutions have studies proving that bacteria CAUSE disease?
https://www.fluoridefreepeel.ca/do-health-authorities-have-studies-proving-that-bacteria-cause-disease-lets-find-out-via-freedom-of-information/

Because "they" (HIV, influenza virus, HPV, measles virus, etc., etc., etc.) have never been shown to exist, clearly don't exist and virology isn't a science.

For truth, freedom and sanity,
Christine

Wednesday, March 5, 2025


Will Residential Real Estate

Underperform Inflation?

Individuals or families who purchase a home today in any major metroplex area IMO will underperform inflation 10 to even possibly 20 years in the future.  Simply put prices are now at INSANE levels.  Renting is far less expensive despite future rent increases.



Monday, March 3, 2025

 

Secular Market Trends: Bull and Bear Markets

Since that first trough in 1877 to the December 2024 high:

  • Secular bull gains totaled 2,233% for an average of 372%.
  • Secular bear losses totaled -283% for an average of -57%.
  • Secular bull years total 90 versus 58 for the bears.

This last bullet probably comes as a surprise to many people. The finance industry and media have conditioned us to view every dip as a buying opportunity. If we realize that bear markets have accounted for just under 40% of the highlighted time frame, we can better understand the two massive selloffs of the 21st century.

148 years in total (90 + 58).  

58 ÷ 148 × 100 = 39.189% of the time in a bear market! 






Flying Is The New Covid

The recent run of air crash hoaxes is designed to terrify the masses and shut down aviation to implement a key goal of Agenda 2030 and end freedom of movement

Saturday, March 1, 2025

Monthly Update: Cash % increased; Gold % decreased; Bonds % declined and Stocks remained at 0%. Massive Speculation for Stocks Continues!


Updated Monthly

AGGRESSIVE PORTFOLIO - ACTIVE ALLOCATION - 3/1/25

Active Allocation Bands (excluding cash) 0% to 50%
36% - Cash -Short Term Bond Index - VBIRX
42% -Gold- Global Capital Cycles Fund - VGPMX **
 22% -Lt. Bonds- Long Term Bond Index - VBLTX
 0% -Stocks- Total Stock Market Index - VTSAX
[See Disclaimer]
** Vanguard's Global Capital Cycles Fund maintains 25%+ in precious metal equities the remainder are domestic or international companies they believe will perform well during times of world wide stress or economic declines.  



Margin of Safety!

Central Concept of Investment for the purchase of Common Stocks.
"The danger to investors lies in concentrating their purchases in the upper levels of the market..."

Stocks compared to bonds:
Earnings Yield Coverage Ratio - [EYC Ratio]
Lump Sum any amount greater than yearly salary.

PE10  .........37.53
Bond Rate...5.21%

EYC Ratio = 1/PE10 x 100 x 1.1 / Bond Rate

2.00+ Stocks on the give-away-table!

1.75+ Safe for large lump sums & DCA

1.30+ Safe for DCA

1.29 or less: Mid-Point - Hold stocks and purchase bonds.

1.00 or less: Sell stocks - Purchase Bonds

0.50 or less:  Stock Market Crash Alert!  
Purchase 30 year Treasury Bonds! 

Current EYC Ratio: 0.56(rounded)
As of  3-1-25
Updated Monthly

PE10 as report by Multpl.com
DCA is Dollar Cost Averaging.
Lump Sum is any dollar amount greater than one year salary.
Over a ten-year period the typical excess of stock earnings power over bond interest may aggregate 4/3 of the price paid. This figure is sufficient to provide a very real margin of safety--which, under favorable conditions, will prevent or minimize a loss...If the purchases are made at the average level of the market over a span of years, the prices paid should carry with them assurance of an adequate margin of safety.  The danger to investors lies in concentrating their purchases in the upper levels of the market.....

Common Sense Investing:
The Papers of Benjamin Graham
Benjamin Graham


%
Stocks & Bonds
Allocation Formula
3-1-2025
Updated Monthly

% Allocation = 100 x (Current PE10 – Avg. PE10 / 4)  /  (Avg.PE10 x 2 – Avg. PE10 / 2)]
Formula's answer determines bond allocation.


Core Bond Allocation:  131% 

% Stock Allocation     0% (rounded)
% Bond Allocation  100% (rounded)

Current Asset: Vanguard Long-Term Investment Grade Bond Fund   

Logic behind this approach:
--As the stock market becomes more expensive, a conservative investor's stock allocation should go down. The rationale recognizes the reduced expected future returns for stocks, and the increasing risk. 
--The formula acknowledges the increased likelihood of the market falling from current levels based on historical valuation levels and regression to the mean, rather than from volatility. Many agree this is the key to value investing.  
Please note there is controversy regarding the divisor (Avg. PE10).  The average since 1881 as reported by Multpl.com is 16.70.  However, Larry Swedroe and others believe that using a revised Shiller P/E mean of 19.6 , the number since 1960 ( a 53-year period), reflects more modern accounting procedures.

DYI adheres to the long view where over time the legacy (prior 1959) values will be absorbed into the average.  Also it can be said with just as much vigor the last 25 years corporate America has been noted for accounting irregularities.  So....If you use the higher or lower number, or average them, you'll be within the guide posts of value.

Please note:  I changed the formula when the Shiller PE10 is trading at it's mean - stocks and bonds will be at 50% - 50% representing Ben Graham's Defensive investor starting point; only deviating from that norm as valuations rise or fall.

Current Allocation:

Vanguard Long Term Investment Grade Bond Fund


Possible Allocations to Bonds vs Stocks:

Bonds %
100%+  Vanguard Long Term Investment Grade Bond Fund 

99% to 65% Wellesley Income Fund

64% to 35% 1/2 Wellesley Income Fund - 1/2 Wellington Fund

34% to 0%  Equity Income Fund
  
DYI

This blog site is not a registered financial advisor, broker or securities dealer and The Dividend Yield Investor is not responsible for what you do with your money.
This site strives for the highest standards of accuracy; however ERRORS AND OMISSIONS ARE ACCEPTED!
The Dividend Yield Investor is a blog site for entertainment and educational purposes ONLY.
The Dividend Yield Investor shall not be held liable for any loss and/or damages from the information herein.
Use this site at your own risk.

PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS.

The Formula.