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The first thing to do is to stop paying any unnecessary income taxes.Take no more pay, given how much you have in the bank. Pump everything into your 401(k) allowable by law by frugally living on your savings. Most people foolishly stop contributing to their 401(k) accounts when they get to the full company match, which is often less than 5% of their annual income. They foolishly leave the much bigger government match on the table…sigh! Pay particular attention to any AFTER TAX contribution features that may be available in your company’s plan. I did not fully utilize this feature, as I did not understand how it would play out. It works much like a Roth IRA, as it turns out, after you leave your place of employment. If you also happen to control the company, then make a 100% company match policy. If your company has a lot of employees, then start another one that doesn’t, and use the 100% match strategy with the new company.Next, max out your IRA contributions. If you test your selections on your tax software, you will be able to determine whether or not to make non-deductible contributions to your standard, deductible IRA or, even better, to your Roth IRA, if your deductible contributions no longer reduce your tax liability, (because you are at zero tax liability). Retired readers should perform these same tests with their tax software to determine how big of a Roth IRA conversion their standard deduction will allow them to make without paying any additional income taxes. Make the Roth conversion BEFORE December 31, so start testing and planning your end of the year move no later than November 15 in order to complete the transfer in time. This strategy will reduce the RMDs eventually required of retirees when you reach 70.5 years of age, and, of course, the associated income taxes that go along with them. If you have your own business, then you have considerably more freedom to contribute to your SEP IRA, possibly reducing your tax liability to near zero, as you have far larger annual contribution limits than regular IRAs do.Now, we are starting from remarkably similar situations. I have no income (other than Social Security), but I have an extra $100k to work with, so, for the first year, we will be practically neck and neck!I have pondered writing a book of my fiscal adventures. I plan to divide my pile of chips into three approximately equal stacks. Perhaps this approach will appeal to you. Since we both know nothing, we are ignorant, and must proceed to make a series of experiments until we learn what works, and what doesn’t. Avoid repeating what doesn’t work. Pay no attention to conventional wisdom. Nobody aims very high, so there is no reason to follow blindly down the path of mediocrity. Read about the few remarkable success stories. Follow those, to the greatest extent possible.The first pile is for the stock market. Open a minimal account at TD Ameritrade, to get their data and platform. Familiarize yourself with it. Then open an account at eOptions, to take advantage of the low commissions. If Fidelity will give you level two trading access, then you can get 500 free trades, good for up to two years, for making $100,000 in new money deposits. You only have to leave $50,000 in for 9 months to avoid back charges. Be sure to place the code on the account application, at the time that you open it to get the free trades. Do your research at TD Ameritrade, and then place your orders at the other brokerage firm, once you have them figured out, saving the commission fees. Most other brokerage firms that offer free trades have unusable trading platforms or undesireable restrictions. Avoid those situations.If you use taxable money for the stock market, make sure that you don’t buy any partnerships with the taxable money. The K-1 forms to be filed with your tax return are incomprehensible, and a needless waste of time trying to figure them out. Save any partnership purchases for the tax advantaged accounts. Your IRAs will rarely need to file tax returns, (only when they generate UBTI), and so you will be able to ignore the K-1s sent to your tax advantaged accounts. Oil stocks are typically partnership “units”, for example.Now, investigate ways to make 20% annual ROI, or better. If you can’t find it, do nothing with the money until you do. Once you do, start small, until you have proven that the system that you came up with actually works. This step will take a while unless you are unusually clever. If you need some ideas to get you started, read Jim Cramer’s books. He claims that he made 24% each year that he ran his hedge fund. If he could do it, then others can do it. Perhaps you can too! He leaves clues in his books as to how he did it. Don’t buy any advice (newsletters, books, seminars, etc.), from ANYBODY that is CURRENTLY making less than 20% ROI.The second pile will be for real estate. The first rule, as with your house, is don’t borrow a penny. For the same reasons as your house. Focus only on those properties that you can afford. One half of your #2 pile of chips goes to purchasing, one half goes towards repairs and remodeling. If your local market is too expensive for your pile of chips, either wait for the rare bargain, or look as far away as 1 hour, to get lower prices. You COULD always buy houses in Detroit, no matter HOW little money your #2 pile of chips has, but good luck on long distance investing. Not really logical, until you have at least 20–30 houses worth of experience. You will have no pressure if you only owe property taxes. Same rule, 20% ROI, or don’t purchase. Buy cheap, fix up cheap, do at least some of the repair/remodeling work yourself. Make your second house your domicile, and in two years, put it up for sale, and then buy the next one. The first $250,000 in profits are income tax free, if they don’t change the rules by then. They almost did change those rules for 2018, but the strategy is still safe for now. I don’t think that you are married, but if you are, the deduction rises to $500,000. Make spousal IRA contributions as well to further reduce your income taxes, or spousal Roth IRA contributions if you are already at zero taxes by now.The third pile is for your own business, if you don’t already have one. Start small, probably do something online, whether selling merchandise manufactured by others, or selling informational products that you create.. Aim for 100% margin, and make sure that you wind up with 20% ROI or more by the time you are done with all of the overhead and expenses. Don’t bother playing “office” for the first couple of years, if ever. By now, it should be obvious that you never borrow money for this pile either.Until you can find an honest, self-directed trustee for your tax advantaged accounts, use retirement accounts mainly for the stock market pile. Once you find said trustee, (if ever), then that opens the door to using those accounts for real estate as well as for your own business that you can work at, without violating ERISA rules that normally prohibit you from “making contributions with your personal labor”.A useful book to help stay out of trouble in regards to dishonest self-directed account trustees, is Ken Fisher’s book, How To Smell A Rat. It would have kept me away from at least one crook. I didn’t know about the book until afterwards, but he described the rat to a “T”. My word, but there are SO many ways to get royally screwed in this world!A ROBS might be the ticket for a business that you work at, using retirement account money. Be careful not to lose all of your money by playing big business owner.. It goes easily, if you don’t constantly monitor the situation. If you utilize a ROBS structure, put all of your salary into the 401(k) plan, (living off of your savings), and doing a 100% company match on your now controlled company 401(k). Naturally, your controlled company 401(k) buys more company stock with the money that gets put into it. Your company does not have to pay this money back. An LLC doesn’t appear to work for this strategy, nor does an S Corporation. Only invest using controlled company funds if you can force a 20% ROI or greater. Let cash balances grow, while waiting to find suitable opportunities. Patience is a virtue, so keep cultivating it. You have made enormous strides already in this regard.When using self-directed retirement account money, stay far away from anything even remotely smelling like a prohibited transaction, by, or with, disqualified persons. That means, nothing that you, your spouse, your descendants, ancestors, or spouses of these relatives EVER owned may be purchased by your retirement accounts. Your retirement accounts may never sell anything to them either. While your retirement accounts are allowed to trade with your SIBLINGS, oddly enough, don’t do it. If the IRS is so snarky as to allow it, then they must know that sooner or later, siblings will squabble, and spill the beans by turning each other in. Even if nothing is actually amiss. Stick with strangers. There are more disqualified persons to avoid, learn who they are, and read the rules more times than you can stomach. They are needlessly complex. ERISA regulations are better than sleeping pills at putting you to sleep. Do not depend on your advisors or your self-directed trustee to keep you safe. I know more than most of my advisors in at least a few areas of their supposed expertise, and in the past, I have seen thieves advise me to do things that would literally blow up my accounts. One later got caught with his hand in the cookie jar, and they shut his operation down. Fortunately, I was already out of his clutches by that time, and I did not therefore have to “share” in the $25M losses that the rest of his clients were forced to endure.Once you start having profits from any of the three piles, divide the loot as follows:10% to the God Fund (used to make the world a better place, in whatever manner that you conceive. Make a direct impact, avoid donations to charities, as these spend appreciable amounts of your donations on soliciting you again, and on other forms of advertising. Some, like a popular PBS style TV station actually spent MORE on soliciting me than the amount that I donated to them. Terrible waste of trees!20% to the other two piles, that is, 10% to each pile that the profits DIDN’T originate from. This buys you at least SOME diversification. Yes, some money will just travel back and forth, but you have to get out of just one avenue of income, and I see no other simple way to do it.70% back to the pile that the profits came from, plus the original capital. In this way, winning strategies will rapidly grow, and losing or marginal strategies will naturally wither on their own accord. Remember, in order for experiments to be useful, don’t repeat the failures.Naturally, none of any of this will make any sense at first. You will have to do endless research for the rest of your life before making investments. So why not start with figuring out what the heck all of this stuff means, and how it all fits together? It is rather ingenious, in some respects, and took me many years to devise. There are better tools out there, but this should work for most lazy Americans, without too much effort.I have further complications, (AKA “refinements”), but space and time constraints suggest that I stop here. Let me know how you make out! Last one to a million is a rotten egg! Go!

American newspaper New York Times created a cartoon which implies a hindrance role of India in Paris Accord. The cartoon was published on 6th December 2015.After almost 3 years Indian cartoonist Satish Acharya created cartoon which clearly refers to President Trump's latest action in the same Accord for which he has been criticised as well.It's truly said, “Revenge is a dish best served cold.”

Because the Paris Accord was a travesty, intended only to weaken the United States economy and transfer American wealth to other UN countries.According to Danish research, even if all the countries complied with all the guidelines of the Paris Accord, it would not change global temperature more than 0.3 degrees Fahrenheit, or about .16 degrees C. over the next 100 years… effectively zero. Lomborg: The Paris Climate Accord Won't Change The Climate but would cost approximately $1–2 Trillion a year. NO signatory nation was bound by the agreement to do anything, and the world’s worst polluters, China and India, have vowed to continue polluting unabated until at least 2030. NO nation, since the US withdrawal, has contributed one Euro or committed to reduce its carbon emissions by a single ounce. The US was never actually a participant in the agreement, as President Obama never submitted the Accord to Congress for ratification, as is required by the US Constitution. His signature was only as Barack Obama an individual, not in any official capacity for the United States. So the US didn’t withdraw because it was never a party to the Accord.Climate Science has no demonstrably accurate theory of how global climate works, and no demonstrable capability to make even the slightest changes in global climate. And since no other nation is willing to contribute its money or bind itself to the same restrictions the Accord expects of the United States, then why should American taxpayers fund a program which will accomplish exactly nothing except squander our wealth and cause severe damage to the USA economy? The US has already sharply reduced its carbon output by greater use of natural gas vs, oil and coal, while severe polluters like China and India refuse to reduce their carbon outputs at all.