Simple Ira Plan Adoption Agreement: Fill & Download for Free

I don't know when you will be rich but according to various reports, articles and notable people, here are 365 ways to get rich!#1Sir John Templeton: “Invest at the point of maximum pessimism.”#2Don’t mistake a low P/E ratio for a value stock.#3Benjamin Graham: “Patience is the fund investor’s single most powerful ally.”#4Let your attorneys ride shotgun, but not in the driver’s seat.#5Remember Enron; reduce your employer’s company stock in your 401(k).#6Warren Buffett: “Rule No. 1 is never lose money. Rule No. 2 is never forget Rule No. 1!”#7Fund a Roth IRA if you’re eligible; your money grows tax free for retirement, and in an emergency you can take your contribution back without penalty.#8Barry Sternlicht: Pay attention to the big themes, because they are what will help you earn ten times your money.#9Back a friend or relative’s startup with a convertible loan, so you share in the upside.#10Use commodities as a hedge against inflation.#11Raise the deductibles on your auto and home insurance.#12Form family limited partnerships to transfer assets at a tax discount.#13Beat death taxes in 20 states by making big gifts while you’re alive.#14For simple federal tax-free wealth transfer, make $14,000 annual gifts to children and grandchildren. It won’t cut into your $5.25 million lifetime exemption from gift and estate taxes.#15Get tax advice before settling a lawsuit.#16Read Reminiscences of a Stock Operator by Edwin LeFèvre.#17To keep peace with both relatives and the IRS, document all family loans.#18Peter Lynch: “Never invest in any idea you can’t illustrate with a crayon.”#19View collecting as a hobby first and investment second; psychic returns can make up for a lower average return than in stocks.#20Add a personal items floater to your homeowner’s insurance to cover collectibles.#21When the bear charges, stand your ground.#22For protection from inflation and currency devaluation, buy the “gold you can eat”—farmland.#23Know your risk tolerance. Pick an asset allocation that lets you sleep at night, so you won’t panic and sell stocks at the bottom.#24Don’t keep too much in cash equivalents—over time, this “safe” investment barely keeps up with inflation.#25After setting an asset allocation, rebalance yearly; it forces you to take profits when stocks have surged and to buy more shares when they’re cheap.#26Benjamin Graham: “Adopt simple rules and stick to them.”#27Buy Bitcoin as a speculation or political statement, not a hedge.#28Be a tax-smart investor. Hold taxable bonds in a 401(k) or IRA. Put individual stocks in taxable accounts so you can sell losers to harvest tax losses.#29Pay attention to the IRS’ wash sale rule when harvesting capital losses.#30Don’t invest in a hedge fund unless its audited results are reported in compliance with Global Investment Performance Standards.#31Build an emergency fund outside your 401(k).#32For the biggest tax break when donating collectibles to charity, make sure they’ll be displayed and not sold.#33Put alternative investments like real estate (but never collectibles) in your IRA.#34Burton Malkiel: “All index funds are not created equal. Some have unconscionably high expenses.”#35Keep an eye on—but don’t obsess over—mutual fund fees and expenses.#36Even committed indexers should use actively managed funds to buy municipal and high-yield bonds and value stocks.#37Yield is nice, but total return is the metric that matters.#38Gold is overrated as an inflation hedge—historically, its price moves are unrelated to inflation.#39For inflation protection, buy floating-rate corporate bonds.#40Don’t let the mood swings of Mr. Market coax you into speculating.#41Beware affinity fraud; find God, not hot investments, at your church, synagogue or mosque.#42Sir John Templeton: “The four most dangerous words in investing are: ‘this time it’s different.’”#43Don’t put more than you can afford to lose into a crowdfunded deal; startups are always risky, and the new JOBS Act reduces both paperwork and investor protection.#44Don’t underrate the importance of liquidity.#45Use Quicken or a Web service to track all your finances and see your big picture.#46Use different passwords for each of your online financial accounts; add optional security questions whose answers can’t be found in your Facebook or LinkedIn profiles.#47Write down your passwords and hide them; tell one person where they are.#48Don’t fight demographics—allocate a portion of your portfolio to health care and biotech stocks.#49Diversify globally to boost your portfolio’s risk-adjusted performance.#50Benjamin Graham: “Speculation is neither illegal, immoral nor (for most people) fattening tothe pocketbook.”#51Cash in on companies with stealth dividends—meaning stock buybacks.#52Diversify, but don’t overdo it.#53Set investing rules for yourself that block impulsive decisions.#54Look beneath a fund’s name, with Morningstar’s Style Box and X-ray.#55Use software to track your asset allocation.#56Ask for a “brokerage window” in your 401(k)—an opening that allows you to invest in any mutual fund and even individual stocks.#57Bond laddering is good, but diversifying your income investments is important, too.#58Treasury Inflation-Protected Securities (TIPS) offer protection from inflation—not from rising interest rates.#59John Bogle: “Time is your friend. Impulse is your enemy.”#60Use salary increases to boost contributions to your 401(k).#62Defy conventional wisdom and increase your stock allocation after retirement.#63To make money in small-cap stocks, look for novel business methods and niches, not the next blockbuster drug.#64Don’t abdicate investment decisions to your spouse.#65Be suspicious—and investigate further—when a corporation changes its auditors.#66Carry a $2 million or bigger umbrella insurance policy to protect your wealth from liability suits.#67Warren Buffett: “Be fearful when others are greedy, and be greedy when others are fearful.”#68Invest to meet goals, not to beat indexes.#69Clarify your own objectives by writing an Investment Policy Statement.#70When you get restricted stock in a startup, make an 83(b) election; if the company takes off, you’ll save big on taxes.#71Consider your marriage tax penalty (or bonus) before setting a wedding date.#72Aim to have five times your salary in your 401(k) and IRAs by age 55 and eight times before you retire.#73Dan Ariely: “If you can’t save money, be really nice to your kids.”#74Put peer-to-peer loans in your portfolio using sites like The Leader in Peer to Peer Lending: Loans and Investing for monthly cash flow and yields of from 7% to 9%.#75Peter Lynch: “Go for a business that any idiot can run—because sooner or later, any idiot is probably going to run it.”#76Never take on a mortgage just for the tax deduction.#77Keep no more than $250,000 in any one bank.#78Buy an index fund weighted to fundamentals.#79Remain anonymous after winning the Powerball jackpot.#80Work for a charity for ten years and get your federal student debt forgiven.#81Beware personal finance gurus pitching products.#82The most successful investors spend many hours at it each day and have passion and patience. There are no shortcuts.#83Warren Buffett: “Diversification is protection against ignorance.”#84Like Captain Kirk, have advisors from different planets.#85Before funding college accounts make sure you’re saving enough in your retirement accounts.#86To avoid a tax penalty, tap IRAs, not 401(k)s, to pay college tuition.#87Borrow from grandma at 4% for grad school; Uncle Sam’s Graduate Plus loans go for 6.41%.#88Marry a billionaire, or perhaps even more rewarding, divorce one.#89When buying a luxury condo, ignore superfluous amenities like massage rooms and pet spas; they won’t contribute to resale value.#90Add commercial real estate to your portfolio.#91Wait for inflation to rise before buying TIPS.#92Howard Marks: “Rule number one: Most things will prove to be cyclical. Rule number two: Some of the greatest opportunities for gain and loss come when other people forget rule number one.”#93Before remarriage, discuss estate plans.#94Track gambling losses to offset taxable gambling winnings.#95Confess any tax crimes to a lawyer, not a CPA.#96Deduct your yacht loan as mortgage interest on a second home.#97Don’t do deals between yourself and your own IRA.#98Don’t roll your old 401(k) into an IRA if you might face a lawsuit.#99When creating a trust or family limited partnership for asset protection, don’t give it your own name or one obviously identified with you.#100Profit from stock market volatility: Buy into a VIX futures fund and use wild, seemingly irrational swings as buying opportunities.#101Gary Shilling: “The market can remain irrational longer than you can remain solvent.”#102Beware dividend traps—fat payouts supported by declining cash flow.#103Bet against weak currencies, like George Soros.#104Back up your financial records using a secure cloud service.#105Before investing in your own state’s 529, compare its fees and tax breaks to New York’s rock-bottom cost plan.#106Buy liens on homes of real estate tax deadbeats.#107Know thyself: Read books like Dan Ariely’s Predictably Irrational and Your Money & Your Brain by Jason Zweig.#108Learn a lesson from each stock-picking mistake.#109Julian Robertson: “Buy into forgotten markets.”#110Join an angel investing club.#111Keep your own entrepreneurial options open by refusing to sign onerous noncompete agreements.#112Buy stocks of companies still controlled by their billionaire founders.#113Leon Black: Do your homework, but still don’t bet the ranch.#114Louis Bacon: “As a speculator you must embrace disorder and chaos.”#115Almost all great value investors look for market anomalies or disconnects that they can exploit.#116Warren Buffett: “Big opportunities come infrequently. When it’s raining gold, reach for a bucket, not a thimble.”#117Always keep some investment powder dry.#118Allocate investments against your life risks.#119Andrew Tobias: “A penny saved is two (pretax) pennies earned.”#120Deduct losses from your sideline/hobby by bunching your expenses and showing a small profit in 3 of 5 years.#121Postpone real estate gains tax with a 1031 exchange.#122Qualify as a “real estate professional” to save big on taxes.#123Be leery of investments sold for tax savings.#124Burton Malkiel: “Start saving now, not later: Time is money.”#125Before making a big discretionary purchase, calculate future cost—what the dollars you’re spending could grow to if invested for 20 or 30 years.#126Read How to Make Money in Stocks by William J. O’Neil.#127Buy designer goods at consignment shops; when you get bored with them, sell for a profit on eBay.#128Discuss any prenuptial agreement way in advance of your wedding.#129Hell hath no fury. Never cheat on your taxes and your spouse at the same time—exes are a big source of IRS leads.#130Don’t buy a large amount of a thinly traded stock all at once.#131Buy and hold at your own risk.#133Don’t be afraid to buy into strength.#134It’s okay to chase performance—sometimes.#135Burton Malkiel: “In the stock market, past is not prologue.”#136Start a 529 college savings plan for yourself before you have children. If you don’t use it for graduate school, transfer it to your kid.#137Make your kid rich by helping him fund a Roth IRA.#138Deplete Junior’s UTMA—you can spend it on a laptop, camps, private school and tutoring—before applying for college financial aid.#139Reduce your student loan interest rate with auto debit.#140Julian Robertson: Suggest your kid take an accounting course—“It was the course that helped me more than anything.”#141Robert Shiller: “If you want to get rich, go into finance or a related field. Finance is the technology for making things happen.”#142Identify companies that gouge you yet keep your business. Buy them.#143Buy stocks like socks—good quality on sale.#144Buy into big ideas just like a global macro hedge fund for as little as $1,000 to start.#145Use limit orders when buying small-company stocks with low trading volume.#146Don’t leave it all in the dollar. Invest globally for currency diversification.#147Dollar-cost average the whole stock market.#148Buy companies with high ratios of gross profits-to-total assets.#149John Neff: “Buy on the cannons and sell on the trumpets.”#150Monitor your individual stocks; set a Google news alert and watch for signs of possible trouble.#151Bone up on “risk parity” diversification.#152Always know how a financial advisor is getting paid and what if any commissions she’ll earn.#153Watch out for paid shills at investment seminars.#154Ken Fisher: “You know who didn’t have bad years? Bernard Madoff—until he got caught.”#155Buy a retirement annuity cheap by delaying Social Security until 70.#156If you need to tap retirement cash early, study up on the exceptions that let you avoid a 10% penalty, including taking “substantially equal periodic payments.”#157Burton Malkiel: “Tune out the financial TV channels. Watch the cooking channel or the gardening channel if you want useful advice.”#158Warren Buffett: “Returns decrease as motion increases.’’#159Ron Baron: “Don’t waste your time short-selling. Show me the short-sellers’ yachts.”#160If you earn too much to contribute to a Roth IRA, fund a nondeductible IRA and convert it.#161If divorcing, get a “QDRO” from the court that allows you to split retirement assets without owing immediate tax.#162Claim the American Opportunity Tax Credit for your kid’s college—if you’re eligible.#163Don’t make multiple $9,900 bank deposits—the government might seize your money and keep it on the grounds you’re trying to skirt anti-money-laundering laws.#164Do a bond fund swap to harvest tax losses.#165Gain funding—and a market—on Kickstarter.#166Barry Ritholtz: “Never confuse investing with trading.”#167Don’t let the tax tail wag the investment dog.#168Hold illiquid assets in a Roth IRA, not a regular IRA.#169Be like Peter Thiel and put hot startup stock in a Roth IRA to make all gains tax free.#170Learn about your fiancé’s debts, before you walk down the aisle.#171Beware high-yield investments pitched as being like a bank CD.#172Watch out for stock hoaxes on Twitter.#173Be leery of pitches involving a self-directed IRA.#174Benjamin Graham: “It is absurd to think that the general public can ever make money out of market forecasts. For who will buy when the general public, at a given signal, rushes to sell out at a profit?”#175Avoid sudden lifestyle changes after a windfall.#176Automatically divert money from your paycheck into savings to the point where it hurts.#177Retire to a place without state estate or inheritance taxes.#178Benefit from 20/20 stock market hindsight by reversing a Roth conversion if stocks tank.#179Donald Trump: “Sometimes your best investments are the ones you don’t make.”#180Ben Stein: Don’t move into a neighborhood of poverty. Avoid any situation that could leave you with too much unsecured debt.#181Get an entrepreneur mentor from SCORE, an organization of retired business folks.#182Tap your ethnic community for business funding.#183To get the best effort and thinking from employees in your startup, give them stock options.#184Like Spanx’s Sara Blakely, solve an irritating problem.#185Larry Page: “It is often easier to make progress on mega-ambitious dreams. …Since no one else is crazy enough to do it, you have little competition.”#186Don’t blindly rely on a target date fund in your 401(k).#187Don’t let your advisor manage you.#188Don’t rely on regulators to protect you from financial fraud.#189Warren Buffett: “What is smart at one price is dumb at another.”#190With large-cap stocks, focus more on cash flow than earnings.#191Strong stocks tend to stay that way. Buy high and sell higher.#192Don’t let family wealth become a curse on your children.#193Start your kid at the bottom of your business.#194Read Common Stocks and Uncommon Profits by Philip A. Fisher.#195Buy a gift annuity from your alma mater.#196John Neff: “When you feel like bragging, it’s probably time to sell.”#197Mine your closet for eBay gold.#198Mine your network for investment ideas.#199Warren Buffett: “The risks of being out of the game are huge compared to the risks of being in it.”#200Sell put options like Warren Buffett does.#201Buy stocks when a magazine cover declares “The Death of Equities.”#202Don’t count on an inheritance. If you get one, don’t blow it.#203Leon Cooperman: “Getting rich takes hard work, a passion for what you do and luck.”#204If you win the Powerball jackpot, hire a tax advisor before making any decisions.#205Hunt down pensions from old employers.#206If you’re 50 or older, with substantial self-employment income, use a custom-designed defined benefit plan to shelter $100,000 a year or more from tax.#207Max out your 401(k) contributions: In 2014 you can contribute $17,500, or $23,000 if you’re 50-plus.#208If your marriage is shaky, make a copy of all financial documents.#209If your spouse is shady, file separate tax returns.#210Burton Malkiel: “Never buy anything from someone who is out of breath.”#211Know when to fire your financial advisor.#212Be skeptical of “principal protected” products—ask how much is guaranteed and at what cost.#213Be wary of companies that have gone public in reverse mergers.#214Low-priced stocks aren’t necessarily cheap.#215Make sure a stock’s dividends are less than its cash flow and likely to remain that way.#216Warren Buffett: “Risk comes from not knowing what you’re doing.”#217Beware unlisted REITs.#218Save remodeling receipts to add to your home’s basis and cut gains taxes when you sell.#219Buy no more house than you can afford.#220Don’t accept a high property tax assessment of your home—you can appeal andtalk it down.#221Don’t assume you should buy a house. Start by calculating rent-versus-buy costs for homes in your market.#222If you have no time for complexity, diversify your portfolio with just three mutual funds.#223Buy a deferred fixed annuity to make sure you don’t outlive your money.#224Build your own ersatz retirement annuity with savings bonds.#225Boost income with closed-end, covered call funds.#226Burton Malkiel: “Trust in time, rather than timing.”#227Delay retirement as long as you can.#228But don’t assume in your planning that you can work full-time until 70.#229Compare insurance costs before choosing a new car model.#230Then go shopping for that model at month’s end.#231To save even more, don’t own a car, share one.#232Hold actively managed mutual funds—the kind that pass on the most-short-term gains—in tax-deferred retirement accounts.#233Hold real estate in your IRA—but carefully.#234Don’t let the groupthink of investment clubs cloud rational investment analysis.#235Warren Buffett: “Diversification is a protection against ignorance.”#236Follow top money-manager moves. Even the great investors piggyback on other smart investors.#237David Dreman: “The time to buy is when there’s blood on the streets.”#238Beware superstar CEOs with weak boards.#239Compare benefits (including options) before switching jobs.#240Find out how your 401(k) rates at Financial Planning Advice, Find a Financial Advisor, and 401k Plan Ratings | BrightScope; if expenses are high or fund choices poor, lobby for a better plan.#241Don’t give Uncle Sam an interest-free loan; adjust your withholding so you don’t overpay your taxes.#242Even if you can’t pay, file your tax return.#243Take a cue from Mark Zuckerberg: Get maximum tax savings for your charitable buck by giving appreciated assets to a donor-advised fund or supporting organization.#244Read Market Wizards and The New Market Wizards by Jack D. Schwager.#245Warren Buffett: “Time is the friend of the wonderful business, the enemy of the mediocre.”#246Don’t chase yesterday’s winners unless they’re still winning.#247Purchase “own occupation” disability insurance.#248Remember that market underperformance—just like costs—compounds.#249Ramit Sethi: Set up systems to automate desired behaviors. Leave your gym clothes at the foot of your bed. Have contributions to savings automatically deducted.#250Open a spousal IRA for a stay-at-home husband or wife.#251If you work from home, get a rider on your homeowner’s insurance policy to protect you if the FedEx man slips.#252To maximize college aid, make Roth 401(k) contributions, not pretax ones, while your kids are in college.#253Like Warren Buffett, make concentrated bets in stocks that you have high confidence in.#254Live dangerously; invest your emergency fund instead of keeping it in cash.#255Barry Sternlicht: Study outliers rather than eliminate them. You can learn everything thereis to know about the industry or the player from the company that is performing better or worse.#256Don’t wait until expiration. Always look to buy back cheap options.#257Most stock market gains since 1950 have occurred in the November-Aprilperiod.#258Over the long run, small-cap stocks have outperformed big blue chips.#259Take only calculated risks on the smallest Pink Sheet stocks.#260Move inherited IRAs from trustee to trustee only.#261Name primary and contingent IRA beneficiaries so your heirs can enjoy the maximum years of tax deferral.#262Maximize your Social Security using a couples claiming strategy.#263Open all mail from the IRS.#264Don’t cheat the IRS and your business partner at the same time.#265Never ignore a 1099, even if it’s wrong—the IRS won’t.#266Don’t lie to your tax pro.#267After you hit 70, take the required minimum distributions (RMD) each year from your traditional IRAs or face near-confiscatory tax penalties.#268If you don’t need your RMD, consider rolling it directly to a charity.#269Sign a living will, health care proxy and power of attorney, even if you’re still healthy.#270Get a will. What happens to property if someone dies without one (intestate) varies by state and might not be what you would want.#272Warren Buffett: “No matter how serene today may be, tomorrow is always uncertain.”#273Insure your home for its replacement value; buy flood insurance if there’s a risk of water damage.#274Scan in your tax records, and keep a copy on the cloud or on an external drive at work; fires and floods happen.#275Keep business and personal expenses separate.#276Maintain at least some financial accounts separate from your spouse’s.#277Peter Lynch: “Know what you own and know why you own it.”#278Have your kid read The Little Book That Beats the Market by Joel Greenblatt.#279Don’t fall for cheap stocks that are really worth even less.#280Read the classic Where Are the Customers’ Yachts? by Fred Schwed Jr.#281Run from a pitchman “guaranteeing” high returns.#282Benjamin Graham: Speculate only with a separate small portion of your capital.#283Snitch on tax cheats and collect a multimillion-dollar IRS whistle-blower award.#284Learn what behavioral economists have found about self-destructive investor behavior—so you can try to avoid these common and expensive mistakes.#285Understand the risks of using leverage and inverse ETFs, which rebalance assets daily.#286Benjamin Graham: “Every nonprofessional who operates on margin … is ipso facto speculating.”#287Register for Medicare at 65, even if you’re still covered by your workplace insurance, to avoid having to pay a penalty later.#288Rob Arnott: “No strategy can make up for inadequate savings or premature retirement.”#289Start saving for retirement in your 20s to put the compounding winds at your back.#290Use the Rule of 72: Divide your expected percentage return into 72 to figure how long it will take you to double your money.#291Never sell a stock that keeps on rising in price.#292Warren Buffett: “When we own portions of outstanding businesses with outstanding managements, our favorite holding period is forever.”#293Ben Franklin: “An investment in knowledge pays the best interest.”#294Use ETFs to be your own international fund manager.#295Don’t try to impose your ego on the market.#296Set up 10% trailing stop-loss orders to avoid unexpected nosedives in your portfolio.#297Barry Sternlicht: You have to be willing to change your mind. If you are a stubborn mule, you’ll get killed.#298Read Warren Buffett’s favorite book, Benjamin Graham’s Intelligent Investor.#299Be a vulture investor: Buy distressed bonds at pennies on the dollar like Marty Whitman and David Tepper.#300Pay attention to moving averages. When the 20- or 50-day average crosses below the 200-day average it’s bearish.#301Monitor the level of fear in the market with the CBOE put/call ratio and theVIX.#302Get tax help if you’ve got incentive stock options—they carry tax benefits but also a nasty alternative minimum tax trap.#303Pay public school tuition for your overachieving teen by getting steep discounts at great private colleges.#304Don’t treat your 401(k) as a piggy bank; you’ll regret it come retirement.#305Read Money Masters of Our Time by John Train.#306Never buy anything from a cold-calling broker.#307Be alert for the signs that a bubble is forming.#308Use sentiment indicators as contrarian tools.#309Don’t confuse correlation with causation in markets.#310Small-cap stocks with lower price-to-book values tend to outperform.#311Tap an IRA—not a 401(k)—without penalty for a first-time home purchase.#312Leave the dollars in a Health Savings Account growing tax free for retirement while you cover medical deductibles and copays from your current income.#313Use a “flight path” approach to asset allocation, raising your exposure to stocks as you become a more confident investor.#314Know your sell rules before you buy.#315Read letters of great investors such as Warren Buffett and Jeremy Grantham online.#316Become an online stock researcher.#317Beware of asset protection scams.#318When stuck paying AMT, accelerate some income.#319Rent out your vacation home for two weeks a year, tax free.#320Most people don’t need a whole life policy; buy a 20-year level-premium life insurance policy before your first child is born.#321Warren Buffett: “You only find out who is swimming naked when the tide goes out.”#322Save $40,000 or more by sending your overachiever to community college and then have her transfer to a top public university or the Ivy League.#323Save on a master’s—for yourself or kids—by earning it in Britain in one year.#324Have your eldest child take a gap year before college so that more than one child is in school at the same time—you’ll get more financial aid.#325Rothify—Roth conversions make sense in more cases than most people realize.#326Time 401(k) contributions to make sure you grab your full employer match.#327Factor your individual health and life expectancy into your decision on when to take Social Security.#328Use an online calculator to help you determine the best strategy to maximize your Social Security benefits.#329Put junk bond funds in tax-deferred accounts.#330If your spouse dies, file an estate tax return to preserve his $5.25 million estate/gift tax exemption (rising to $5.34 million in 2014) for your own use later.#331Buy master limited partnerships late in life to avoid their tax drawbacks.#332Only buy closed-end funds trading at discounts to net asset value.#333Invest in businesses with sustainable competitive advantages.#334Don’t fight the tape.#335Remember, three out of four stocks follow the market’s overall trend.#337Spend 25% less than you make—it will give you flexibility to pursue the big opportunity.#338Bruce Greenwald: To get really rich, copy the hedge fund, private equity and VC masters and “get your hands on somebody else’s money.”#339Warren Buffett: “Investors should remember that excitement and expenses are their enemies.”#340Watch out for high fees hidden in some tax-sheltered products like 529s and variable annuities.#341Protect your assets before there’s a claim against you; after-the-fact moves can backfire.#342Check your advisor’s ADV at www.sec.gov.#343Remember Bernie Madoff: Make sure your investment advisor keeps your money in an account with an independent custodian.#344Gary Shilling: Don’t try to reinvent the wheel. Instead, intelligently and efficiently apply what is already well known.#345Warren Buffett: “You don’t have to make money back the same way you lost it.”#346When selling a business, plan ahead and you may be able to save big on tax.#347Retire to a place where jobs are plentiful.#348Factor taxes into your retirement income strategy.#349Take $500,000 per couple in gains on the sale of your home, tax free.#350Don’t be afraid to deduct a legitimate home office—you can now claim up to $1,500 a year, with minimal recordkeeping.#351Review the assumptions an ex-employer has made in calculating your pension. Mistakes aren’t unusual.#352Keep 5% of your portfolio in gold.#353Own gold through ETFs like GLD.#354When pundits declare the death of “buy-and-hold” it could well be the sign of a market bottom.#355Warren Buffett: “It’s optimism that is the enemy of the rational buyer.”#356Burton Malkiel: “ ‘Efficient markets’ does not mean that the price of every security at every moment in time is correct.”#357Look for undiscovered stocks with market caps between $1 billion and $10 billion.#358Understand how the businesses you invest in make money.#359If the short sellers are swarming around your stock, investigate the bears’ thesis.#360When company insiders buy, you should, too.#361Benjamin Graham: Those who want “freedom from concern” must accept lower returns.#362Warren Buffett: It is “far better to buy a wonderful business at a fair price than to buy a fair business at a wonderful price.”#363Burton Malkiel: “Avoid the temptation to follow the herd.”#364Steve Jobs: “Your time is limited, so don’t waste it living someone else’s life.”#365Plan.I hope this helps.

This question is a bit of a brain puzzler, and there does not seem to be a very clear answer to this Question Resources and Information. a quick glance, I would say investments would pay more money to the bank than fees would, however, let's examine the facts and that way, one would come to their own conclusion, as it is also very obvious that fees bringing tremendous amounts of money to the bank. So we will start by defining like the bank, fees, and investments, and glean as much information as we could as we navigate the question and answer. Let's do this:BankDescriptionA bank is a financial institution that accepts deposits from the public and creates credit. Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial stability of a country, banks are highly regulated in most countries.How Banks WorkBY LEE ANN OBRINGERAccording to Britannica.com, a bank is:an institution that deals in money and its substitutes and provides other financial services. Banks accept deposits and make loans and derive a profit from the difference in the interest rates paid and charged, respectively.Banks are critical to our economy. The primary function of banks is to put their account holders' money to use by lending it out to others who can then use it to buy homes, businesses, send kids to college...When you deposit your money in the bank, your money goes into a big pool of money along with everyone else's, and your account is credited with the amount of your deposit. When you write checks or make withdrawals, that amount is deducted from your account balance. The interest you earn on your balance is also added to your account.Banks create money in the economy by making loans. The amount of money that banks can lend is directly affected by the reserve requirement set by the Federal Reserve. The reserve requirement is currently 3 percent to 10 percent of a bank's total deposits. This amount can be held either in cash on hand or in the bank's reserve account with the Fed. To see how this affects the economy, think about it like this. When a bank gets a deposit of $100, assuming a reserve requirement of 10 percent, the bank can then lend out $90. That $90 goes back into the economy, purchasing goods or services, and usually ends up deposited in another bank. That bank can then lend out $81 of that $90 deposit, and that $81 goes into the economy to purchase goods or services and ultimately is deposited into another bank that proceeds to lend out a percentage of it.In this way, money grows and flows throughout the community in a much greater amount than physically exists. That $100 makes a much larger ripple in the economy than you may realize!What do banks charge fees for?To make a profit and pay operating expenses, banks typically charge for the services they provide. When a bank lends you money, it charges interest on the loan. When you open a deposit account (checking or savings) there are fees for that as well. Even fee-free checking and savings accounts have some fees.Bank FeesREVIEWED BY WILL KENTONDEFINITION of Bank FeesBank fees are nominal fees for a variety of account set-up and maintenance, and minor transactional services for retail and business customers. Fees can be one-time, ongoing or related to penalties.BREAKING DOWN Bank FeesBanks fees seemingly lurk everywhere. There is a comprehensive disclosure of the menu of fees on banks' websites and in pamphlets with fine print. Customers must carefully read the disclosures to avoid surprises. Certain fees apply to all customers across the board, while others may be waived under certain conditions. While competition is a natural regulator of where a bank may apply fees and how much it thinks it can get away with, government authorities such as the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC) stand by to field complaints and concerns from the public about fee-charging practices by banks.Sample List of Bank FeesWells Fargo charges retail customers fees for ATM transactions (with some exceptions), cashier's checks, money orders, overdrafts, bounced checks, overdraft protection, stop payment requests, wire transfers, safety deposit boxes, minimum account balance requirements, and others. Fees for merchant, payroll, and bill payment services apply for small businesses, while treasury management and corporate trust services offered by a bank to larger businesses carry fees. Also, fees for establishing and maintaining loans or lines of credit, the bread-and-butter of all banks, apply to all.Importance of Bank Fees to ProfitabilityThe primary source of revenue for a bank is net interest income, but a material portion of total revenue comes from bank fees. In 2017, fee income (booked under "noninterest income") for Wells Fargo accounted for approximately 35% of aggregate revenue. An individual fee may be nominal but they add up nicely for a bank. When the net interest margin for a bank is squeezed in a low-interest rate environment, bank fees provide a measure of stability to bank earnings.Investments:According to Wikipedia, investments are:To invest is to allocate money in the expectation of some benefit in the future.In finance, the benefit of an investment is called a return. The return may consist of a gain (or loss) realized from the sale of property or an investment, unrealized capital appreciation (or depreciation), or investment income such as dividends, interest, rental income, etc., or a combination of capital gain and income. The return may also include currency gains or losses due to changes in foreign currency exchange rates.Investors generally expect higher returns from riskier investments. When we make a low-risk investment, the return is also generally low.Investors, particularly novices, are often advised to adopt a particular investment strategy and diversify their portfolio. Diversification has the statistical effect of reducing overall risk.An investor may bear a risk of loss of some or all of their capital invested. Investment differs from arbitrage, in which profit is generated without investing capital or bearing risk.Savings bear the (normally remote) risk that the financial provider may default.Foreign currency savings also bear foreign exchange risk: if the currency of a savings account differs from the account holder's home currency, then there is the risk that the exchange rate between the two currencies will move unfavorably, so that the value of the savings account decreases, measured in the account holder's home currency.In contrast with savings, investments tend to carry more risk, in the form of both a wider variety of risk factors and a greater level of uncertaintyBelow Finra describes the types of investments:Types of InvestmentsThink of the various types of investments as tools that can help you achieve your financial goals. Each broad investment type—from bank products to stocks and bonds—has its own general set of features, risk factors and ways in which they can be used by investors.Learn more about the various types of investments below.StocksWhen you buy shares of a company’s stock, you own a piece of that company. Stocks come in a wide variety, and they often are described based on the company’s size, type, performance during market cycles and potential for short- and long-term growth. Learn more about your choices—from penny-stocks to large caps and more.BondsA bond is a loan an investor makes to an organization in exchange for interest payments over a specified term plus repayment of principal at the bond’s maturity date. Learn how corporate, muni, agency, Treasury and other types of bonds work.Investment FundsFunds—such as mutual funds, closed-end funds and exchange-traded funds—pool money from many investors and invest it according to a specific investment strategy. Funds can offer the diversification, professional management and a wide variety of investment strategies and styles. But not all funds are the same. Understand how they work, and research fund fees and expenses.Bank ProductsBanks and credit unions can provide a safe and convenient way to accumulate savings—and some banks offer services that can help you manage your money. Checking and savings accounts offer liquidity and flexibility. Find out more about these and other Bank productsOptionsOptions are contracts that give the purchaser the right, but not the obligation, to buy or sell a security, such as a stock or exchange-traded fund, at a fixed price within a specific period of time. It pays to learn about different types of options, trading strategies and the risks involved.AnnuitiesAn annuity is a contract between you and an insurance company, in which the company promises to make periodic payments, either starting immediately—called an immediate annuity—or at some future time—a deferred annuity. Learn about the different types of annuitiesRetirementNumerous types of investments come into play when saving for retirement and managing income once you retire. For saving, tax-advantaged retirement options such as a 401(k) or an IRA can be a smart choice. Managing retirement income may require moving out of certain investments and into ones that are better suited to a retirement lifestyle.Saving for EducationFunding education begins with savings. Learn smart ways to save, including 529 Education Savings Plans and Education Savings Accounts. We’ll help you navigate your savings options.Alternative and Complex ProductsThese products include notes with principal protection and high-yield bonds that have lower credit ratings and a higher risk of default than traditional investments but offer more attractive rates of return. Learn about their features, risks and potential advantages.Initial Coin Offerings and CryptocurrenciesThese are speculative investments that come with significant uncertainty and many risks. Before you consider an investment in ICOs or cryptocurrencies, learn more.Commodity FuturesCommodity futures contracts are agreements to buy or sell a specific quantity of a commodity at a specified price on a particular date in the future. Commodities include metals, oil, grains, and animal products, as well as financial instruments and currencies. With limited exceptions, trading in futures contracts must be executed on the floor of a commodity exchange.Security FuturesFederal regulations permit trading in futures contracts on single stocks, also known as single stock futures, and certain security indices. Learn more about security futures, how they differ from stock options and the risks they can pose.InsuranceLife insurance products come in various forms, including term life, whole life, and universal life policies. There also are variations on these—variable life insurance and variable universal life—which are considered securities. See how insurance products may fit into an overall financial plan.Ever wonder how banks make their money? They can't be offering to store your money for free? You're right; here's how banks earn money.How do banks make money?Yes, banks make a lot of money banks from charging borrowers interest, but the fees banks change are just as lucrative.Account fees. Some typical financial products that charge fees are checking accounts, investment accounts, and credit cards. These fees are said to be for “maintenances purposes” even though maintaining these accounts costs banks relatively little.ATM fees. There will be times when you can’t find your bank’s ATM and you must settle for another ATM just to get some cash. Well, that’s probably going to cost you $3. Such situations happen all the time and just mean more money for banks.Penalty charges. Banks love to slap on a penalty fee for something a customer’s mishaps. It could a credit card payment that you sent in at 5:05 PM. It could be a check written for an amount that was one penny over what you had in your checking account. Whatever it may be, expect to pay a late fee or a notorious overdraft fee or between $25 and $40. It sucks for customers, but the banks are having a blast.Commissions. Most banks will have investment divisions that often function as full-service brokerages. Of course, their commission fees for making trades are higher than most discount brokers.Application fees. Whenever a prospective borrower applies for a loan (especially a home loan) many banks charge a loan origination or application fee. And, they can take the liberty of including this fee amount into the principal of your loan—which means you’ll pay interest on it too! (So if your loan application fee is $100 and your bankrolls it into a 30-year mortgage at five percent APR, you’ll pay $94.40 in interest just on the $100 fee).Banks are just like other businesses. Their product just happens to be money. Other businesses sell widgets or services; banks sell money -- in the form of loans, certificates of deposit (CDs) and other financial products. They make money on the interest they charge on loans because that interest is higher than the interest they pay on depositors' accounts.The interest rate a bank charges its borrowers depends on both the number of people who want to borrow and the amount of money the bank has available to lend. As we mentioned in the previous section, the amount available to lend also depends upon the reserve requirement the Federal Reserve Board has set. At the same time, it may also be affected by the fund's rate, which is the interest rate that banks charge each other for short-term loans to meet their reserve requirements. Check out How the Fed Works for more on how the Fed influences the economy.Loaning money is also inherently risky. A bank never really knows if it'll get that money back. Therefore, the riskier the loan the higher the interest rate the bank charges. While paying interest may not seem to be a great financial move in some respects, it really is a small price to pay for using someone else's money. Imagine having to save all of the money you needed in order to buy a house. We wouldn't be able to buy houses until we retired!Banks also charge fees for services like checking, ATM access, and overdraft protection. Loans have their own set of fees that go along with them. Another source of income for banks is investments and securities.How investment banks make their money. ... They make most of their money by charging a higher rate of interest to borrowers than they pay to savers. Investment banks, on the other hand, make their money by selling services to customers such as companies, governments and investment funds (fund managers and hedge fundsHow Investment Banks Make Money (JPM, GS)BY SEAN ROSSUpdated Sep 22, 2016Investment banks are designed to finance or facilitate trade and investment on a large scale. But that's a simplistic view of how investment banks make money. There's a lot more to what they really do. When they work properly, these services make markets more liquid, reduce uncertainty and get rid of inefficiencies by smoothing out spreads.Brokerage and Underwriting ServicesLike traditional intermediaries, investment banks connect buyers and sellers in different markets. For this service, they charge a commission on successful trades. The trades range from megadeals to simple stock trades.Investment banks also perform underwriting services for capital raises. For example, a bank might buy stock in an initial public offering (IPO), market the shares to investors and then sell the shares for a profit. This works like an arbitrage opportunity. There is a risk that the bank will be unable to sell the shares for a higher price, so the investment bank might lose money on the trade. To combat this risk, some investment banks charge a flat fee for the underwriting process.Mergers and AcquisitionsInvestment banks charge fees to act as advisors for spinoffs and mergers and acquisitions (M&A). In a spinoff, the target company sells a piece of its operation to improve efficiency or inject cash flow. Acquisitions occur whenever one company buys another company. Mergers take place when two companies combine to form one entity. These are often extremely complicated deals and require a lot of legal and financial help, especially for companies unfamiliar with the process.Creating Collateralized ProductsInvestment banks might take lots of smaller loans, such as mortgages, and then package those into one tradeable security. The concept is somewhat similar to a bond mutual fund, except the instrument is a collection of smaller debt obligations rather than corporate and government bonds. Investment banks have to purchase the loans to package and sell them, so they profit by buying cheap and selling at higher prices on the market.Proprietary TradingIn the proprietary trading process, the investment bank deploys its own capital into the financial markets. Company traders look for arbitrage opportunities or other strong, shorter-term investments. Traders who guess correctly can make a lot of money very quickly. Alternatively, poor traders tend to lose money and risk losing their jobs. Proprietary trading has been much less prevalent since the financial crisis of 2008 and 2009.Dark PoolsSuppose an institutional investor wants to sell millions of shares, a value that's large enough to impact markets right away. However, the market might see a big order come through. This leaves an opportunity for an aggressive trader with high-speed technology to front-run the sale in an attempt to profit from the coming move.Investment banks established dark pools to attract institutional sellers to a secretive and anonymous market to prevent front-running. The bank charges a fee for the service. Dark pools are very controversial and came under added scrutiny after Michael Lewis authored "Flash Boys," which shed light on shady dark-pool activity.SwapsInvestment bankers sometimes make money through swaps. Swaps create profit opportunities through a complicated form of arbitrage, where the investment bank brokers a deal between two parties that are trading their respective cash flows. The most common swaps occur whenever two parties realize they might mutually benefit from a change in a benchmark, such as interest rates or exchange rates.Market MakingMarket making works best when the bank has a large inventory of stock with high trade frequency. The bank can quote a buy price and sell price and earn the small difference between the two prices, also known as the bid-ask spread.Investment ResearchMajor investment banks can also sell direct research to financial specialists. Money managers often purchase research from large institutions, such as JPMorgan Chase & Co. (NYSE: JPM) and Goldman Sachs Group Inc. (NYSE: GS), to make better investing decisions.Asset ManagementIn other cases, investment banks directly serve as asset managers to large clients. The bank might have internal fund departments, including internal hedge funds, which often come with attractive fee structures. Asset management can be quite lucrative because the client portfolios are large.Investment banks also partner with or create venture capital or private equity funds to raise money and invest in private assets. These are the fix-and-flip experts in the business governance world. The idea is to buy a promising target company, often with a lot of leverage, and then resell or take the company public after it becomes more valuable.As I said at the beginning, it is easy to look at the big investments that banks engage in and be tempted to say that investments would make much more money for banks, but also remember that investments are also very risky business, while fees are deducted from your account regardless to your say-so and at the banks convenience. So there you are, there’s a lot of information to absorb, hopes that it helps.

For me, it is like asking if I thought that the power to wipe away the land with anything more than the top force of an F5 hurricane will do the trick.There is a point, I think when we ask how destructive and or “creative” the POWER.I don’t believe we can handle the actual “Force” and hopefully it is rare and ephemeral if for example it were as powerful as an individual dream but actually like in the lyrics of the song, “row, row row your boat,…”In a dream, the contents express the creative power and are warped morphed and compacted into a swift series of animated re enactments that convey a “dream language.” That is the manifestations are symbolism. The “meaning” is carried through the “appearances” like players, participants, actors on the illusion stage.The earth, like the classical stage with leaders can have plots, a sort of “thinking planet.”Professor Wolfgang Pauli’s dream illustration, his “countries mandala” offers an insight into such a mind boggling operation.On the left side, Pauli uses the names of physical geographical locations and describes the invisible collective unconscious as similar to an individual dream. He uses the same four functions of the psyche’ as did psychiatrist Dr. Carl Jung in therapy for the individual (right side of table).It is ironically similar to his own “Pauli exclusion principle” where electrons act as if jumping into another level(s). But here, the individual “I” abruptly appears in another coherent spectral orbit to emerge as a sort of Ultra Human with a collective “I.”The “PLAN” or “PLOT” may be visualized if we can get at least some crude anthropomorphic grasp at the different emergent scales.“In Einstein’s vision, the universe is like an organism in which each part is the manifestation of the whole” (Synchronicity: The Bridge Between Matter and Mind p 76).Each individual is made in the same image as “whole” and “parts.” Everyone is composed of sub particles, atoms and molecules, chemical dna, bacteria, organs and so on (multiplicity) and simultaneously act as a person (unity).The same system can be visualized with social structures.Alvin Toffler in Foreword to Nobel Prize recipient Ilya Prigogine, and Isabelle Stengers book, Order Out of Chaos, says,“Imagine a situation in which a chemical or other reaction produces an enzyme whose presence then encourages further production of the same enzyme. This is an example of what computer scientists would call a positive-feedback loop. In chemistry it is called ‘auto-catalysis.’ Such situations are rare in inorganic chemistry. But in recent decades the molecular biologists have found that such loops (along with inhibitory or "negative" feedback and more complicated "cross-catalytic" processes) are the very stuff of life itself. Such processes help explain how we go from little lumps of DNA to complex living organisms. More generally, therefore, in far-from-equilibrium conditions we find that very small perturbations or fluctuations can become amplified into gigantic, structure-breaking waves. And this sheds light on all sorts of "qualitative" or "revolutionary" change processes. When one combines the new insights gained from studying far-from-equilibrium states and nonlinear processes, along with these complicated feedback systems, a whole new approach is opened that makes it possible to relate the so-called hard sciences to the softer sciences of life-and perhaps even to social processes as well” (Order Out Of Chaos p vii).We see the same emergence with smaller scales, such as termites, ants, bees, etc. Try swatting a bee and the individual does not have to know what is happening, but a broader organism may step up to the plate to do something about it.Mold cells without brains at a certain stage emerge as slime mold to exhibit as if intelligent behavior forming memory paths that look similar to a neural network.The pattern appears the same at all emergent scales. Each species and scale seem to pop thru a matrix womb to form a paradigm specific to and accordance with their own kind.We can visualize the same with a so called “thinking articulate planet.” Mythologist Joseph Campbell, during an interview with Bill Moyers, suggested that we should “look past the physical and see the world as a poem.”At this scale, the human species is visualized as “mankind” or “Adamha” an “Ultra Human.” Does it have a “subtle character” like a god? Or does it exhibit as if intelligent behavior. Humans are no better than a number, and at each emergent scale the “numeric expressions” are still no better than a number.Writer Koestler quotes Jung,“As far as my observations go', wrote C. G. Jung, 'I have not dis­covered in the unconscious anything like a personality comparable to the conscious ego. But. .. there are at least traces of personalities in the manifestations of the unconscious. A simple example is the dream, in which a variety of real and imaginary people enact the dream thoughts.. .. The unconscious personates” (Act of Creation p 187).So if we consider the matrix a closed system for each emergent scale from the tiniest microcosm thru macrocosm, they appear as if the same modus operandus.From a rational point of view, a dream like language would seem silly and somehow still make sense if we understood the symbolic expressions.Professor Pauli had been initiated into philo linguistic symbolism occurring in his dreams.“There never used to be linguistic symbolism in my dreams, but it re­appears in a later dream (see below). I am also reminded of some old draw­ings of a doubling of the eyes, dating back to 1934, as well as a dream from the same period…” (Atom and Archetype p 145).Using this same perception for this vision of emergent coherent matrixes, we can probe the “life is but a dream” as an invisible illusion that offers numinous insights and revelations.Theologian Bernard Lonergan points to one form of “meaning” and “incarnate meaning.” The same idea whether a dream or physical manifestations personate their roles.“…of linguistic analysts seem to show… INCARNATE MEANING Cor ad cor loquitur. Incarnate meaning combines all or at least many of the other carriers of meaning. It can be at once inter- subjective, artistic, symbolic, linguistic. It is the meaning of a person, of his way of life, of his words, or of his deeds. It may be his meaning for just one other person, or for a small group, or for a whole national, or social, or cultural, or religious tradition. Such meaning may attach to a group achievement, to a Thermopylae or Marathon, to the Christian martyrs, to a glorious revolution. It may be transposed to a character or characters in a story or a play, to a Hamlet or Tartuffe or Don Juan. It may emanate from the whole personality and the total performance of an orator or a demagogue. Finally, as meaning can be incarnate, so too can be the meaning­less, the vacant, the empty, the vapid, the insipid, the dull” (Method of Theology p 73).The collaboration between physicist Professor Pauli and psychiatrist Dr. Carl Jung for a “unified vision” (physics/psychology) about these complimentary opposites including these areas of disciplines. Niels Bohr also thought the same about physics and psychology as being two different aspects of the same abstract, which do point to theological implications.“Bohr was convinced that complimentary was relevant not only to physics but also to psychology and to life itself” (Deciphering the Cosmic Number p 102).When comparing an individual dream to the collective mankind, we may be reminded by admissions such as the theologian paleontologist Pere Pierre Teilhard de Chardin.“No doubt it is true, scientifically speaking, that no distinct centre of superhuman consciousness has yet appeared on earth (at least in the living world ) for which it may be claimed or predicted that one day it will exercise a centralizing function, in relation to the associated human thought, similar to the role of the individual ‘I’ in relation to the cells of the brain” (The Future of Man p 174).But this does not stop him from his exuberant optimistic description of his thinking planet and noosphere,“…what I have called its 'Brain'. As in the case of all the organisms preceding it, but on an immense scale, humanity is in process of 'cerebralising' itself. And our proper biological course, in making use of what we call our leisure, is to devote it to a new kind of work on a higher plane: that is to say, to a general and con­certed effort of vision. The Noosphere, in short, is a stupendous thinking machine.” (The Future of Man p 180).The physical dream language whether an individual or a thinking planet can be explored thru symbolism such as names of physical geographical locations and persons acting out some matrix thru the mirror images of physics/psychology.For example, as Jung and Pauli explore the meanings of Pauli’s dreams, the names are important.“The name Aucker could also be auctor” (Atom and Archetype p 154).“And now I suppose you’ll be dragging me from one office to the next,” I say to him. ‘Oh no,’ he says. We come to a counter where an ‘unfamiliar dark woman’ sits. Turning to her, he says in the same brusque, militaristic voice as before: ‘Director Spiegler [Reflector], please!’” (Atom and Archetype: The Jung/Pauli Letters 1932-1958 p 164).This same technique when exploring the planet’s (we could be the “et”) names of physical persons. By doing so, the crystallizations provide “meaningful cross connections” that extend beyond generations, epochs, as patterns across time, similar to blood flow and dna is to a person.For human beings the sheer awesome size of that dimension would seem as if invisible because we are focused on the physical parts as opposed to viewing the world as a poetics with dream like symbolism, numeric expressions that have equivalent psychological “meanings” and profound theological implications.The geists (spirits) and zeit geists (time spirits and/or spirits of the time) would operate over and under most eyes, noses and heads, eluding thresholds of awareness, save for the theoretical quantum metaphysicists that explore these areas.More and more experts in mathematics, physics, science, quantum mechanics, cosmology, comparative psychology, cultures and theology, and more areas of knowledge and discipline have been arriving at much the same vision.“Today there is a wide measure of agreement, which on the physical side of science approaches almost to unanimity, that the stream of knowledge is heading towards a non-mechanical reality; the universe begins to look more like a great thought than like a great machine. Mind no longer appears as an accidental intruder into the realm of matter; we are beginning to suspect that we ought rather to hail it as a creator and governor of the realm of matter...” (James Jean The Mysterious Universe p. 137, 1937 ed.)The soulless mechanical body appears to have a soul. If we get past viewing the “body” (materialistic modality) we can understand that there is a substrate.Blaise Pascal defines “body,”“To end this he thought up a definition of body expressly conceived to fit our space that he might easily draw his inference from it. His words are: I define body as that which is composed of separate parts, and I say that every body is space when it is considered between its boundaries, and that every other space is body because it is composed of separate parts.” (The Great Books of the Western World Pascal VOL 33 Scientific Treatises p 376).Some propose that “organism” is a preferable view.In Bertrand Russels, Human Knowledge (1948),“He demands that the description of the world be kept free from influ­ences derived from the nature of human knowledge, and declares that "cosmically and causally, knowledge is an unimportant feature of the universe." Like Whitehead, he holds that the distinction between mind and body is a dubious one. It will be better to speak of organism, leaving the division of its activities between the mind and the body undetermined. What is true or false is a state of organism. But it is true or false in general, in virtue of occurrences outside the organism” (Pictorial History of Philosophy p 269).The terms “whole” and “parts” used by Einstein, for “modern physics” was also used by philosophers Greek Aristotle (Metaphysics) and Roman Marcus Aurelius (The Meditations). Though Einstein seemed to prefer Schopenhauer who used the terminology of the “ONE” and “the many.” We could use “ME” and “US” whatever.“Einstein, strongly influenced in his Weltanschauung by Schopenhauer, declared himself not only against any form of primitive ‘religion of fear’ but also against any ‘moral religion’ as found in the ‘the Jewish scriptures’ and then also in the New Testament. Against this he argued firmly for a ‘cosmic religious feeling’ to which ‘no anthropomorphic conception of God corresponds.’ He thinks that the beginnings of such a cosmic religious feeling are found in ‘many of the Psalms of David and in some of the Prophets,’ much more strongly ‘in Buddhism, as have learnt from the wonderful writing of Schopenhauer.’ Appealing to such ‘heretics’ as Democritus, Francis of Assisi and especially Spinoza, Einstein thought that the religious geniuses of every age had been distinguished by this sort of religious felling, without dognas, church, or a priestly caste, ‘which knows…no God conceived in man’s image.’ He described himself as a ‘follower of Spinoza’ and answered the teegraphic inquiry of an American rabbi as to whether he believed in God: ‘I believe in Spinoza’s God, who reveals himself in the orderly harmony of what exists, not in a God who concerns himself with the fates and actions of human beings.’ Einstein’s conviction of the strictly causal regularity of all happenings was justified on religious grounds, based- that is – on Spinoza’s work.” (Does God Exist p 628).Arthur Koestler suggested,“’A good terminology’, someone said, ‘is half the game.’ To get away from the traditional misuse of the words ‘whole’ and ‘part’, one is compelled to operate with such awkward terms as ‘sub-whole’, or ‘part-whole’, sub-structures’, ‘sub skills’, ‘sub-assemblies’, and so forth. To avoid these jarring expressions, I proposed, some years ago, a new term to designate those Janus-faced entities on the intermediate levels of any hierarchy, which can be described either as wholes or parts, depending on the way you look at them from ‘below’ or from ‘above’. The term I proposed as the ‘holon’, from the Greek holos = whole, with the suffix on, which, as in proton or neutron, suggests a particle or part.” (Janus: A Summing Up p 33).Any emergent matrix can’t seem to escape these “janus faces” whether numbers or other entities.The difference being that mechanical and/or “mind.”Einstein used to be a frequent dinner guest at the Jungian mansion.Depth psychologist, Dr. Ira Progoff says about the matter mind issue,“…a concept that would be the equivalent of the relativity theory with the added dimension of the psyche”“It is interesting in this regard to note that the recent opening of Einstein’s private papers has disclosed that dreams and images played a very important role in Einstein’s creative life. Those luncheon conversations may have been more fruitful that Jung realized, especially since we now know that Einstein possessed a keen sensitivity to the deep levels of the psyche. It may, at some later tie, be very fruitful to study the relationship between Jung and Einstein more closely, particularly in view of Einstein’s interest in Hindu/Buddhist thought and his later description of the archetypal qualities of the relativity concept.“While Jung may have had an important psychological effect on Einstein, the theory of Relativity became the base and starting point for his own thinking about Synchronicity. At several points he seems to have been consciously seeking to develop a concept that would be the equivalent of the relativity theory with the added dimension of the psyche” (Ira Progoff, Jung, Synchronicity and Human Destiny, p 152).It is this same mind/matter and psycho/physical parallelism that is involved when considering a matrix world.If we can visualize each formless/form perhaps simple colored circles would suffice here for a neutral grasp.RED = ENERGY ……….. BLUE = MATTER …….. GOLD = PSYCHE ….. TransparentThe transparent is a non local not quite the other forms/formless.They more or less “DANCE” and “TRANSFORM” as they appear in our reality.Firsof, and astronomer has this same insight and again we can refer to Koestler,“… analogous to Einstein’s famously equality E=mc squared, whereby ‘mind stuff’ could be equated with other entities of the physical world.”“,,, the eminent astronomer, V. A. Firsoff suggested that ‘mind was a universal entity or interaction of the same order as electricity or gravitation, and that there must exist a modulus of transformation, analogous to Einstein’s famously equality E=mc squared, whereby ‘mind stuff’ could be equated with other entities of the physical world.” (Arthur Koestler, The Roots of Coincidence, p 63);When we bust “coincidences” and quantify into categories and treat alleged psyche’ facts as just as existent as physical facts the “coincidence game” offers a methodological approach to represent these occurrences. Any narrative (fiction or factual) that describes an authentic case of synchronicity can be represented, firstly as a “mechanical” appearance, empirical facts.RULES OF THE GAMEPLACE THE FACTS ON THE LEFT SIDE.On the right side we can think about what had happened.There are four CATs in SynchroniCity and when we put the facts on the left side, the constellated cluster can be compared with the arrangements in the corners to determine which category(s).After the fact we now can inspect the matrix for underlying “meaning”. These “a posteriori cards” are put on the right side by the player(s).These are the basic components:Cross-Hairs specify a space timeBig Circle designates a prime observer, if any, with four functions of the psyche’.The two little circles represent MIND or BODY. (Beitman component).The four corners are the variants, categories of synchronicity.The pyramid asks the players to document the class, typology, etcThe player(s) substitute the little colored circles with their own chips, coins, tokens, etc.The Big Circle can be substituted with a designated subject’s own “mandala.”Here, we are going to play a matrix of a thinking earth utilizing names of people.Just as we can use many languages and terminology, how can we represent the “unconscious”? Albeit difficult because it is mind boggling and invisible. Unconscious = all that is not conscious.Physicist Wolfgang Pauli has his own solution.“All sorts ideas crossed my mind on hearing this: Among physicists I sometimes use the term ‘U-field’ for the unconscious ...” (Atom and Archetype p 144).This term “field” serves as analogous to the unconscious but even more so, the “noosphere,” thinking sphere discussed by Tielhard de Chardin.Depth psychologist Dr. Ira Progoff suggested,“We thus receive from Jung two very seminal hy­potheses with respect firstly to the contents and sec­ondly to the principle of operation of the Noosphere. When we translate Teilhard's phrase into the terms of its more general significance and see it as the front edge of evolution emerging from the experiences of the human spirit, the mutual support of Jung and Teilhard de Chardin becomes clear” (Jung, Synchronicity and Human Destiny pp 7–10).Again the terminology for the same idea like “u-field” (physics) “unconscious” (psychology), “noosphere” (philosophical/theological) and there are many more.“During the time that the order-sustaining energy which opposes entropy disappears more an more out of the universe, it must circulate in a psychic ‘elsewhere’ (ailleurs) in its potential form of information. This psychic ‘elsewhere’ of physical energy Costa de Beauregard calls infrapsychisme. He obviously means something similar to what Jung has called the psychoid aspect of the archetypes and the collective unconscious. Costa de Beauregard also assumes that this infrapsychisme contains a sort of supraconscience – something very akin to Jung’s ‘absolute knowledge.’ (Ruyer calls it an absolute survol, a birds-eye view of the universe as a whole.) This cosmic infrapsychisme is, according to Costa de Beauregard, an antiphysical world (anti-Carnot!) ruled by final instead of causal laws. It coexists with matter and crystallizes itself out into the individual physicisms of animals and men. The knowledge which it contains can move faster than light and thus “synchronizes” all single beings because their psychisms all come from the same “storehouse of telecommunications.” Thus the whole material universe is like a gigantic cybernetic machine which serves the growth of conscious in all individuals” (Psyche and Matter pp 50-51).We can use the analogy of cyberspace where data is stored and can be retrieved for almost an infinite variety of configurations for mechanical operations in order to convey equivalent expressions that provide “meaningful” displays.Even a BLACK HOLE has almost all the data of the universe. The BLACK HOLE may be the best looking representative of an idea of an idea.First we have to shed our centric mentality that human beings are the only observer.Bertrand Russell reminds us,“It is natural to suppose that the observer is a human being or at least the mind but he is just as likely to be a photographic plate or clock. That is to say the odd results as to the difference between one ‘point of view’ and another are concerned with the ‘point of view’ in a sense applicable physical instruments just as much as to speak to people with perceptions” (The ABC of Relativity p 138).So, from the BLACK HOLE as “THE OBSERVER” and “THE REAL” ONE, everything else would simply be a mirror image, even cheap imitations, copies of ‘itself’ whatever ‘it’ is. Every iota of ‘past,’ ‘present’ and ‘future’ would more or less be “hanging and spiraling around” the center.It would be difficult for third dimension observers to grasp because for the most part it would appear that the ‘past’ vanished, the ‘future’ is a not yet existent occurrence for a very narrow perspective of ‘the present.’Two days prior to his death, Einstein said, “Past, present and future, as persistent as they are, is an illusion.”So given that the BLACK HOLE exists and what is inside may be as great as what is outside of ‘it’ the projected image would appear also as a holographic third dimension animated re-enactment. It would, for the BLACK HOLE all exist at the same time in the same place.Whereas for everything else, it would be relative. The BLACK HOLE and everything else would be NOWHERE and NOWHENCE.Just like a dream where the dreamer “creates” as if out of nothing but pulls from the contents in the repository the names reflect the nature.For example, the name MEADOW would be similar to “u-field” and similar terminology.We can begin to “psycho analyze” an Ultra Man Psyche’ such as a thinking earth projecting a “spirit of mankind” when we consider the “complimentary opposites” such as psychology/physics by applying the same technique.Ju de nom class coincidences, from the French “jeu” and “jeux” refer to “play,” “game,” “match” and “sets” of names. These are “ironic” twists when a name and its spectacle and/or act are equivalent.For example, suppose a political leader uses such theatrics to appoint someone named “SPEAKES” to be “Spokesman.” A former President of the United States, Ronald Reagan did so. During a live syndicated radio program hosted by Larry King when he had Patty Reagan as a guest, I called as a listener and asked, “Why did your father appoint Larry Speakes as spokesman for the White House?”She replied, “I don’t know why he chose Larry Speakes for that position. He certainly was not the best qualified.”The idea that we are living in a matrix, a sort of holy cosmic play did not escape other thinkers. It is said that Roman Emperor Augustus Caesar while on his death bead, had remarked to his closest friend, “Have I lived my comedy well?” The Roman Empire in its hey day might be one of the best examples of a cosmic play.When Puntius Pilate asked Jesus, “Quid est veritas?” (“What is truth?”) the letters are can also be configured into an anagram, “Est vir qui adest” (“It is this man here”). (The Mother Tongue p 227).Perhaps objections about “thinking too much” are understandable. Those that know of Professor Pauli’s professional life like his “Pauli Exclusion Principle” and “neutrino,” may not be aware of his private life. Some that do find out, argue that his drinking may have stirred up his wild imagination. It is true that Wolfgang Pauli used to like to go to bars, get drunk, end up in fights, go home irritated and fall asleep, which may have explained why he had hundreds into thousands of dreams.But this is all in a days work. Wild ideas are explored.“Bohr always condemned new proposition with the words, ‘interesting but not crazy enough,’ saying that Pauli’s was completely insane meant he thought is was most probably right” ( Deciphering the Cosmic Number: The Strange Friendship of Wolfgang Pauli and Carl Jung p 61).Even Einstein had praise for Pauli,“No one studying this mature, grandly conceived work could believe that the author is a man of 21. One wonders what to admire most, the psychological understanding for the development of ideas, the sureness of mathematical deduction, the profound physical insight, the capacity for lucid systematic presentation, the complete treatment of the subject matter, or the sureness of critical appraisal” (Synchronicity: The Bridge Between Matter and Mind p 15), (Atom and Archetype: The Pauli/Jung Letters 1932–1938 p xiii).During one communication Pauli wrote,“I will not provoke you to contradict me, in order not to delay the natural death of [your present] theory,” he wrote, about one of Einstein’s attempts at a unified theory of gravitation and electromagnetism. Einstein, conversely, was quick to compliment the younger man on pointing out an error in another attempt at a unified theory. ‘So you were right, you rascal’” (Deciphering the Cosmic Number: The Strange Friendship of Wolfgang Pauli and Carl Jung p 108).But this does not mean that Pauli was always correct. Professor Pauli was convinced that symmetry reigned with nature. He had found out that he was wrong and that asymmetry reigned. This asymmetry was adopted by Bohr and the psychiatrist Dr. Carl Jung.In Pauli’s 5August, 1957 letter to Jung,“Now I am glad that I did not go so far as to wager a bet on the results of the experiments (which some physicists did). I might have lost a lot of money” (Atom and Archetype: The Pauli/Jung Letters 1932-1958, p 161).The matter/mind problem takes it toll. One writer notes the similarity between the “elasticity of the psyche” discussed by Dr. Carl Jung and Einstein’s “theory of equivalence” in which some coordinates have insignificant gravity.It is like a rubber band. The imagination can be stretched to the point where it no longer seems relevant.For Einstein, it is too ambiguous.Dagobert D. Runes, Doctor of Philosophy, quotes what Einstein had thought of David Hume, the philosopher.“’If one reads Hume’s book,’” Albert Einstein declared, ‘one is amazed that many sometimes highly esteemed philosophers after him have been able to write so much obscure stuff and even to find grateful readers for it. Hume has permanently influenced the development of the best of philosophers who came after him’” (Pictorial History of Philosophy p 239).This is a pivot point.“Later in his life, Jung traced his idea of synchronicity to the influence of Albert Einstein, who held a professorship in Zurich in 1909-10 and again in 1912-1913. Jung wrote, ‘Professor Einstein was my guest on several occasions at dinner… These were very early days when Einstein was developing his first theory of relativity, [and] it was he who first started me off thinking about a possible relativity of time as well as space, and their psychic conditionality. More than thirty years later, this stimulus led to my relation with the physicist Professor W. Pauli and to my thesis of psychic synchronicity’” (Synchronicity: An Acausal Connecting Principle pp vi-vii).Beverly Zabriskie, Jungian psychologist says,“Jung recalled that he had met Einstein in the ‘very early days when [he] was developing his first theory of relativity… His genius as a thinker … exerted a lasting influence of my own intellectual work.’ In the Tavistock lectures, Jung remembered, ‘I pumped him about his relativity theory. I am not gifted in mathematics…I went fourteen feet deep into the floor and felt quite small.’” (Atom and Archetype: Pauli/Jung Letters 1932-1958 Intro p xxx).The separate fields of discipline appear too far apart to be “unified.” However, now we have theoretical physicists that point towards the inter relationship.It is this “unified vision,” a synthesizes all areas of knowledge and discipline, that allows us to appreciate a matrix where the physical manifestations articulate as if bodies are frozen pieces of light, participating with a broader light.Phenomena (appearances) would be almost analogous (asymmetric mirroring) between our lower case mortal selves and upper case immortal Selves.We would be participants similar to the classical view that the earth is a stage and we are actors.Names would take on a numinous and ominous appearances. They would carry the information projected.For example, “WAITE” as in Terry Waite being held hostage with the world held in suspense.The name “Trump” can refer to “to trump,” “at the last trump,” “trump card,” and so on. “Pence” can refer to a monetary value.This goes on at another level. First we must admit that all people behave with a perfect symmetry in regards to their own name.Jung points out,“We find ourselves in something of a quandary when it comes to making up our minds about the phenomenon which Stekel calls the "compulsion of the name." What he means by this is the sometimes quite grotesque coincidence between a man's name and his peculiarities or profession. For instance Herr Cross (Mr. Grand) suffers from delusions of grandeur, Herr Kleiner (Mr. Small) has an inferiority complex. The Altmann sisters marry men twenty years older than themselves. Herr Feist (Mr. Stout) is the Food Minister, Herr Rosstäuscher (Mr. Horsetrader) is a lawyer, Herr Kalberer (Mr. Calver) is an obstetrician, Herr Freud (joy) champions the pleasure-principle, Herr Adler (eagle) the will-to- power, Herr Jung (young) the idea of rebirth, and so on. Are these the whimsi­calities of chance, or the suggestive effects of the name, as Stekel seems to suggest, or are they ‘meaningful coincidences’? (‘Die Verpflichtung des Namens,‘ 110ff.)” (Synchronicity: An Acausal Connecting Principle par 827).So, now we can look at the world as if there is a surrounding bubble. Images pop up, like in a dream to let us know what the earth is thinking. These are “physical symbolic dream language” expressing the status.For example, in the United States when the U.S. President was delayed in giving a state of the Union address, it became more apparent that we have a “divided nation.”As if the same spirit was being expressed, a hurricane named “FLORENCE” hit the coast of the United States, stopping just short of smacking the city of Florence.The Flag was torn (symbolizing the division) between the red and white stripes.We see the same “thematic patterns” with sports, for example, “WAR OF WILL” wins at the Preakness.Football “The Giants beat the Patriots” (As if suggesting “Big global corporations”)The “The Patriots win ugly over the Saints.”“Whitaker” as in the “WITT takes” the powerWill BARR (as in “to bar” something, redact, or someone from)The events can be chronological and/or “at the same time.”When we see the “MATRIX” as a “PLAY” and names start to express a cross connection between physical bodies and life as if a dream.OMANFreud JungPUNjabsFrommTripoliHoms, Idlibs, DamascHafez Assad … BasharDamascus, SyriaUkraineKiev (street firm, “listen up”)CrimeaU2 Able PowersUzno 007 Soule COREaPersia Airbus MirageBrindel Stark Declaration of Independence Vincennes Will RogersWattIndiaBaghdadVATiCAN Unnunciate PUNta.NOreiga(s) PANaMANIA. (Theatrics: camera panning, Spanish: Bread, Theological: Yeast)Vals LaboaENDara PANaMANIA…PAnaMA… PANaMA… Panama…SpellmanFilipSin (Without)Diosdado (“God hast given”)Marcos (“to mark” and/or “to frame”)Corazonne Aquino Ramos Estrada Arroyo… Aquino(“Heart not here,” “forest/trees,” “ways/streets,” “streams,” …”not here”)Duterte?As we view the world, we are not normally aware of this “higher orderdness,” a general acausal/causal system operating.Professor of Higher Mathematics, Ferdinand Gonseth had advised that we should continue utilizing our instruments and existing “clocks” for at least two reasons, that they are still 1) reliable and trustworthy for our purposes, and 2) as long as they still work for their purpose. But, he points out that we should not exclude the implementation of a “universal clock.”“...have taken a further step, not only towards the objectivation of the measurement of time, but also towards the objectivation of time itself When will this procedure of extension have reached its term? Principally never. In practice one must observe moderation. In a Situation of well-defined knowledge, it is useless to increase indefinitely the possibilities of control and of synchronicity.“But what gives us the right, we might ask, to stop the process of extension at this point? If one does not admit the existence of an objective and universal time, is it not a fault of method to assume that the controls of synchronicity which have been erected would guarantee those which were not yet erected? Is it admissible to exclude as impossible the ease of an instrument still "unpublished" which could not be easily fitted into the group of clocks presently in use?“We have already answered this question indirectly. It is not necessary to construct all possible clocks; it suffices to establish the temporal law of the phenomena. As long as this temporal law does not vary with regard to the moment when the phenomenon begins (this Variation certainly could not be attributed to any momentary influence or to any more or less concealed evolution of the system which is the seat of this phenomenon), we have no reason whatever to abandon the hypothesis of a universal time, and every phenomenon whose law does not vary in the course of time confirms this hypothesis. What more can we ask of a natural law?“At this point we shall conclude the discussion about the objectivity of the measuring of time and about the means to be used in order to base it upon increasingly solid foundations. One might judge that our discussion has considerably exceeded the exposition of the technical aspect of the question. Was it neces­sary to go this far, to proceed so manifestly beyond what may be expected of elementary clocks, which alone have been described up to this point? (Time and Method p 216).His discussion included “measured time” (a physical and univocal usage of “synchronicity” as “synchronous”) and “unmeasured time” such as psychological time.We do know that Gonseth’s monologue was for attendees at the International Forum Zurich 1951, prior to the publication of Jung’s essay on the topic of “synchronicity.”Because Professor Pauli had been assisting Gonseth at the time, and Gonseth had asked Dr. Jung if he would attend the conference and asked Pauli to politely decline, it is plausible that Pauli would have discussed the more expanded use of the term “synchronicity” with Ferdinand Gonseth.These “cross-connections” are no longer considered in these “modern days” as the human species go about their business.During a seminar on 21November1928, to a group of professionals, Jung pointed out that the connection between event and it symbol seems to have eluded modern people. In one instance he used a bull fight to stress the point. He said,“Killing the bull might signify an old-fashioned way of making a sacrifice… We have outgrown that symbolism…” (Dream Analysis: Notes on the Seminar Given in 1928–1930 by C.G. Jung p 36),We can imagine the noble savages when it was fashionable for crowds to cheer in the Collision as they were entertained by the feverish glorious battles between Gladiators and Gladiators and Beasts. The Romans had believed that humans are merely mortal and mirroring our acknowledgement that we too are a sacrifice for the gods, we please them by showing off the Gladiators.Perhaps, we have another lesson to learn with the story about ABrAHAm and his child Ishmael (Arabic) or Isaac (Christian/Judaism). The expected sacrifice, to burn and stab the son to prove obedience and then “just in the nick of time” a “ram” in the “thicket” goaded Abram. His arm in mid air, paused as if frozen in an eternal given appointed moment of time space and his eyes focused upon the intruder may have had AbrAHAm “put two and two” together, thus saving the human sacrifice and using the ram.The “bull fights” are supposed to lure enough of the otherwise smart and dumb masses into a frenzy without slaughtering each other. Its a sport. A sort of vicarious experience where most people don’t realize the profound implications of what the symbol offers.The thinking earth is full of symbolic language that mostly goes unnoticed as if we are stuck living and walking blindly. This applies to both the average human and for science.Referring to Arthur Koestler’s The Roots of Coincidence, 1972, pp 138-139, Nobel Prize recipient Ilya Prigogine, and co-author Isabelle Stengers, cite Koestler’s remarks about a “country of the blind.”“Let us cite Koestler:“We have heard a whole chorus of Nobel Laureates in physics informing us that matter is dead, causality is dead, determinism is dead. If that is so, let us give them a decent burial, with a requiem of electronic music. It is time for us to draw the lesson from twentieth century post-mechanistic science, and to get out of the strait-jacket which nineteenth-century materialism imposed on our philosophical outlook. Paradoxically, had that outlook kept abreast with modern science itself, instead of lagging a century behind it, we would have been liberated from that strait-jacket long ago … But once this is recognized, we might become more receptive to phenomena around us which one-sided emphasis on physical science has made us ignore; might feel the draught that is blowing through the chinks of the causal edifice; pay more attention to confluential events; include the paranormal phenomena in our concept of normality; and realize that we have been living in the ‘Country of the Blind’”Ilya and Isabelle reply,“We do not wish to judge or condemn a priori. There may be in some of the apparently fantastic propositions we hear today some seed of new knowledge. Nevertheless, we believe that leaps into the unimaginable are far too simple escapes from the concrete complexity of our world. We do not believe we shall leave the ‘Country of the Blind’ in a day, since conceptual blindness is not the main reason for the problems and contradictions our society has failed to solve.“Our disagreements with certain criticisms or distortions of science does not mean, however, that we wish to reject all criticisms…” (Order Out of Chaos pp 34-35).Materialism and determinism has its day shining with all its glory. It provides reliable and trustworthy methodologies to “measure” and “predict” because we settle for some “resolution” when pointing at a point.The problem with a “thinking planet” is that it does not always lend us a hand so that we can constrain nature into a bottle. There are “patterns” that extend beyond generations, epochs, and so on. They are ambiguous, vague, seemingly rare and ephemeral, yet deeply profound, even thru trivial events.….BOB HOPE