Friday, September 13, 2013

What happens if you are laid off?

Your "Go-to-Hell" Fund: How will you live if everything "goes-to-hell"?
The best guarantee of lifelong security is having money.
Most Americans have less than a month of expenses saved.
         What would happen to your family if you suddenly had no income? 70 percent of us say we could only afford to take off for one month or less of unpaid vacation before everyday expenses would force us to return to work, according to a survey by the LIFE Foundation.
How can we protect our families? We don't need complicated insurance, mutual funds, or financial products to have the good life. I help you decide which financials are best for you, now and later. Just $18.95. 

Was your new used car totaled by storm Sandy?
USAA officials now admit that some vehicles it branded as total losses after being damaged by Hurricane Sandy's floodwaters later were resold and put back on the road.
The San Antonio-based insurer totaled some 4,000 customer vehicles damaged during last year's storm in the Northeast.
USAA earmarked 174 of those vehicles to be sold for parts only because they had no titles. But USAA later found some buyers who bought them at auto auctions fraudulently obtained clean titles with the intention of putting them on the road again.

Is having homeowner’s insurance enough?
After a year of waiting, some Sandy victims close to giving up. "The city told me to use my structure money to raise my house," said Joe Mirmina, who lives three blocks away from McFadden on James Street in Milford. "But the bank won't let you do that. I have the money to repair my house, but I can't until the house is lifted." Although McFadden's house is already raised, there's still plenty of work to do. He said when his house is finally repaired, he'll likely need to sell it to make ends meet. Use your discounts:  http://www.amazon.com/Homeowners-Insurance-Beware-Coverage-Policy/dp/1480100870

GOP against Obamacare because:
GOP decided to come up with a plan in Jan 2011. Nothing as of 9/13.
They pledge to change laws to allow buying from another state, expand HsA, prohibit declines by preexisting, prohibit lifetime spending cap, prohibit declined because sick and prohibit govt-paid abortion. These were originally GOP plans.   http://www.cbsnews.com/htdocs/pdf/GOPHealthPlan_061709.pdf
All of these have been accomplished by ObamaCare yet GOP voted the 40th time to repeal ObamaCare and has yet to make a plan. Stalling until 2016, is the plan, it seems. http://www.washingtonpost.com/blogs/right-turn/wp/2013/07/18/a-gloating-gop-needs-an-obamacare-alternative/

Is group long-term care insurance right for you?
Group plans often cause people to receive less benefits for more money, according to one study. Group plans may lump you with sicker people. Group plans make enrollment easy but are designed for higher premium per benefit dollar. Individual long term care insurance policies are a better value in almost every way. The major hole in group plans is an inevitable part of the process: it isn’t that the rates are intentionally high. The flaw in the policies lies in the structure of enrollment. There is no medical underwriting for the employer’s convenience. Couples’ premiums with good health were an average of 36.12% less than group plans. Individuals’ premiums with good health were an average of 15.49% less than group plans. Compare: http://www.amazon.com/Long-term-Care-Insurance-better-alternatives/dp/147006877X

Retirees lose company health care—So much for lifelong loyalty
America’s biggest employers, from GE to IBM, are increasingly moving retirees to insurance exchanges where they select their own health plans, an historic shift that could push more costs onto U.S. taxpayers. About 44 percent of companies plan to stop administering health plans for their former workers over the next two years, according to one survey. Last month, United Parcel Service Inc. told workers it would no longer provide health care for 15,000 spouses who can get benefits through their own employer. Retirees feel GE “stripped them of something of substantial value that they believed they earned,” Dennis Rocheleau, 71, a former GE labor negotiator. “They’re saving millions of dollars and the people they’re taking it from are the ones who can afford it the least,” Rocheleau said in an interview. http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Is your income keeping pace?
The top 1 percent of American households had pretax income above $394,000 last year. The top 10 percent had income exceeding $114,000. The very wealthiest Americans earned more than 19 percent of the country's household income last year—their biggest share since 1928, the year before the stock market crash. And the top 10 percent captured a record 48.2 percent of total earnings last year. 95 percent of the income gains reported since 2009 have gone to the top 1 percent. That compares with a 45 percent share for the top 1 percent in the economic expansion of the 1990s and a 65 percent share from the expansion that followed the 2001 recession. The top 1 percent's share of income bottomed out at 7.7 percent in 1973 and has risen steadily since the early 1980s, according to the analysis. Your investment edge is … the miracle of compounding. http://www.amazon.com/Keep-Simple-Essential-Financial-Life/dp/1492258849


State Farm wants auto rate hike in Illinois
Time to claim your discounts and save $22,000 over time: http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

SCAMS           “Deficits don’t matter” Republican godfather, Dick Cheney, 2002

Your bank and medical records read by government employees/contractors
NSA unlocks encryption used to protect emails, banking and medical records. US and British intelligence agencies have successfully cracked much of the online encryption relied upon by hundreds of millions of people to protect the privacy of their personal data, online transactions and emails, according to top-secret documents revealed by former contractor Edward Snowden. "Project Bullrun deals with NSA's abilities to defeat the encryption used in specific network communication technologies.”

Project “Bullrun” produces a lot of bullxxxx, $53 billions of bullxxxx. But 2 kids from Kyrgyzstan (Russia) defeated NSA “intelligence” and bombed Boston. They were “discovered” by a quick-thinking Chinese civilian when his GPS car was kidnapped. The bombers bought the explosives at the same store as the Times Square bomber!
The kits are advertised by the company as “barely legal.” “Best mortar/canister kit you can get,” reports one reviewer on the Phantom Fireworks website.
You can still get 2 free when you buy 1 box. You don’t need a license!
Maybe NSA should watch the store instead of reading my emails!

That $53 billion can pay for health care for over 2 million American families without health care.
 
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