No more money mistakes: New Year smart money moves
Since you don’t want to make any more mistakes, you first need to know the score—your credit score and report. Go tohttps://www.annualcreditreport.com/index.action for your truly free report. You can obtain your FICA credit score FREE fromhttp://www.freeficoscore.com/ during the 10-day FREE trial but you must call to cancel in two weeks. Get score and then cancel immediately or it will cost you more than it’s worth. Check your reports for accuracy (80% are wrong) and correct them. Learn how to avoid the mistakes that lead to financial disaster: http://www.amazon.com/10-Worst-Money-Mistakes-them/dp/1494401223/
Most married couples will need income to age 90
According to Social Security, at least one member will make it to age 90. One in four seniors will hit 90 and one in 10 will break 95. Are you ready? Make your income tax-FREE so it will last longer: http://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976/
Our readers’ choice funds maintain long-term average 10-12% return
2013 total return was over 30%. It raised their average to 12% again. Some of our readers never sell. They are rewarded for long-term growth and diversification. Retirees move assets to Wellesley Income fund for safety. Most readers pay less than 0.40% for high returns in index and managed Vanguard funds. It is possible to have enough for a retirement of 30 years. Most advisors, charging 1-3%, have promised single-digit returns from now on. Do-it-yourselfers do better. Simple: high costs reduce your returns.
2013 Total Return Fund Long-term Return* Longevity
32.3% 500 Index 11.0%* since 1976
18.4% Energy 13.2% since 1984
38.4% Extended Market 11.2% since 1987
43.2% Health 17.1% since 1984
23.0% International Growth 11.2% since 1981
39.7% PRIMECAP 13.7% since 1984
37.6% Small Cap Index 10.9% since 1960
9.2% Wellesley Income 10.1% since 1970
36.1% Windsor 11.6% since 1958
30.7% Windsor II 11.1% since 1985
30.9% Average 12.1%
*Average Annual Returns as of 12/31/13 .
Wealthy people don’t pay their fair share of taxes—and Congress allows tax trick
Rent-a-tax-shelter “address.” In the past four years, the amount of money administered by South Dakota trust companies like these has tripled to $121 billion, almost all of it from out of state. The families needn’t actually move to South Dakota , or deposit their money at a local bank, or even touch down in the private jet. Little more than renting an address in Sioux Falls is required to take advantage of South Dakota ’s tax-friendly trust laws.
States like South Dakota are “creating laws that are conducive to a massive exploitation of a federal tax loophole,” said Edward McCaffery, a professor at theUniversity of Southern California
States like South Dakota are “creating laws that are conducive to a massive exploitation of a federal tax loophole,” said Edward McCaffery, a professor at the
Still others are drawn to South Dakota ’s iron-clad secrecy and protections of trust assets from creditors and ex-wives. Obama has called for closing the dynasty trust loophole in annual budget proposals but Congress has not.
Study says we are not prepared for next financial crisis—Why?
Turf wars and big money lobbyists make preparation difficult.America runs on business exuberance and boom-bust is part of business system.
Turf wars and big money lobbyists make preparation difficult.
Most GOP reject evolution science—House "science" committee rejects science
33 percent of Americans reject the idea of evolution, saying that "humans and other living things have existed in their present form since the beginning of time," a new study says. "The gap is coming from the Republicans, where fewer are now saying that humans have evolved over time," said Cary Funk, a Pew senior researcher who conducted the analysis. The poll showed 43 percent of Republicans and 67 percent of Democrats say humans have evolved over time, compared with 54 percent and 64 percent respectively four years ago.
Apple says it never helped NSA bug our phones
Apple said in an email to AFP that it "has never worked with the NSA to create a backdoor in any of our products, including iPhone. Sure.
Uninsured will be covered
Nearly 6 million people are newly insured -- 2.1 million privately insured and 4 million in government insurance plans -- U.S. health officials said. Buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083
One Supreme says OK to keep the “pill” away from the nuns
Supreme Court Justice Sonia Sotomayor has offered a reprieve to some Catholic groups who want to opt out of the Affordable Care Act's contraceptive mandate. In her order, Sotomayor said the government is temporarily prevented from enforcing contraceptive coverage requirements against the Denver-based Little Sisters of the Poor Home for the Aged.http://www.littlesistersofthepoordenver.org/
“The president believes that no one, including the government or for-profit corporations, should be able to dictate those decisions to women,” Jay Carney, the White House press secretary, said last month. Church groups were already exempted from the mandate.
But I thought that the nuns took vows about this kind of activity?
SCAMS “Deficits don’t matter” Republican Godfather, Dick Cheney, 2002
Bush wars increased the debt by $4-6 trillion to $16 trillion. 1985 debt $3 T, same as 1945.
Financial crimes scorecard
Only 7 of 31 corporate executives have returned their ill-gotten gains from the financial meltdown of 2007-08. Most have proved that crime pays—especially big-time crime.
If we had done what they did you would have been in jail for 25 years.
Our Taxes Wasted on a $120,000,000 Parking Center
GOP Coburn admits he and his colleagues wasted $30 Billion this year. Read and weep.
http://www.coburn.senate.gov/public//index.cfm?a=Files.Serve&File_id=d204730e-4a24-4711-b1db-99bb6c29d4b6 Yet not one red cent for the unemployed!
Our taxes saved Chrysler for FIAT to take
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