Would you like to be exempt from sales tax?
Yes, your big-ticket purchase could be exempt from up to the 8.875% tax. Saving their donors cash is what legislators do for a living. Of course, lawmakers can’t call it the “gift to billionaires” tax evasion bill so they call it “saving jobs”: this tax “break brought jobs to the state for repairs, renovations, and resupply.” Right! Another trick for the wealthy to pay less.
Yes, your big-ticket purchase could be exempt from up to the 8.875% tax. Saving their donors cash is what legislators do for a living. Of course, lawmakers can’t call it the “gift to billionaires” tax evasion bill so they call it “saving jobs”: this tax “break brought jobs to the state for repairs, renovations, and resupply.” Right! Another trick for the wealthy to pay less.
Use the tax
break for working people: http://www.amazon.com/Tax-Shelter-Americans/dp/1500426520
Use all the credits and deductions you qualify for
Many credits are refundable—you INCREASE your refund when
you take some credits. See EIC, CTC, EC,
CDC, SC, and many more but you have to know they exist to take them.
The IRS does not advertise how to get your money back—you must ask for it like
the big corporations do. 2/3rds of all businesses pay NO income taxes.
Let Uncle Same help you too: http://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X
Do you qualify for an ObamaCare tax credit of $5,760?
You may qualify for a credit
of $5,760 or more when you file your tax return if you have used the
Marketplace to buy your family health plan. Learn how to qualify:
Teacher’s investment strategy beat advisor/broker’s
picks--WOW
It turns out teachers
are beating Wall Streeters at their own game. Teachers’ investing
returns outperformed those of advisors/brokers in the past year, 10.2% to 6.9%.
In fact, teachers saw the best returns of any profession. Why? Simple
math, Buffett says.
Use the Buffett strategy for more: http://www.amazon.com/The-Warren-Buffett-Millionaire-snoring/dp/1508887381
On average, 45 percent of job
seekers age 55 and older have been looking for a long time, according to
the BLS, which defines long term as 27 or more weeks without work. To address
the reluctance of employers to consider such workers, the Obama administration
last year started an initiative
to encourage private and public companies to hire the long-term unemployed.
Some have found work with less pay and some have started their own businesses.
Others have stopped looking and take Social Security benefits early. Growing
fields include health
care and technology
with top jobs
in 2015 outlook.
GOP crazies
Future GOP President Cruz:
"We
will presumably go on the [ObamaCare] exchange and sign up for health care
and we're in the process of transitioning over to do
that," Cruz told the Des Moines Register's Jennifer Jacobs. Cruz
shut down the government which cost over $200 million because he did not like
ObamaCare. Thankfully he did not really mean to end the insurance he now uses.
Head of Bush Torture Department stomping for Jeb?
Dick
Cheney will headline their annual NRCC March fundraiser. “Vice
President Dick
Cheney is a dedicated public servant and we are honored to have him as
our keynote speaker for this year’s March Dinner” said Rep. Greg Walden,
Oregon Republican and chairman of the National Republican Congressional
Committee (NRCC), also calling Mr.
Cheney a “true patriot.” Is Jeb committed to another war?
GOP vision for working Americans is bleak—service cuts and
more taxes
The Senate on Friday passed a budget that envisions more
than $5 trillion in cuts over the coming decade by slashing health care and other benefits for working families and the
middle class while leaving tax breaks in place for the wealthiest Americans and
multi-national corporations. Twenty-seven million Americans would lose health insurance under the
Republican plan as they eliminate the Affordable Care Act and make huge cuts to Medicaid. "What they are
proposing is major cuts in programs for some of the most vulnerable people in
this country — the elderly, children, sick and low-income people,” said Sen Bernie
Sanders, the ranking member of the Senate Budget Committee. “At the same time
they want to give significant tax breaks to the wealthy and the large
corporations.” During the week-long debate Republicans rejected proposals to
create millions of new jobs, raise the minimum wage, help students afford
college, and protect seniors on Social Security and Medicare.
GOP state gov deficit creation
"I'm not here to be bullied," Christie opponents
scream
The protesters were escorted out of the auditorium by
security as a largely friendly crowd cheered. Christie has been holding weekly
town hall meetings across the state touting his proposal to further ‘reform”
the state's public worker health care and pension system. He failed
to make payments to the system as promised. He was asked to explain giving
up the $9 billion settlement with EXXON in return for campaign
contributions. He refused.
IN GOP uses “religious freedom” words as disguise for
discrimination
IN
law allows a retail outlet to not serve someone you “think” does not hold the
same religious views as you. How is that not discrimination? A business
could say you look Jewish or catholic and not give you a room in hotel, as has
happened in past. What could GOP hope to gain by this law if not to secure the
religious (protestant white) right vote? This is a law that puts religious
believe above the law we all must follow. Even a protestant denomination with
HQ in IN has come out against
such a law.
Do index mutual funds tracking the market reduce your risk?
Morningstar data shows you can reduce
some risks by using market-index funds at cost. You make a commitment to
stay in the market and not trust the bet of one gambler’s (advisor's) guesses.
Use your refund to retire early: http://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X
Why economy does not grow quickly
Wages climbed by 1.3 percent from the second quarter of 2012
to the second quarter of 2014, compared to a 17
percent increase in home prices around that time, according to a new report
from RealtyTrac. The real-estate data provider used the Labor Department's
weekly earnings data to measure wage growth, while home prices were
derived from sales-deed data in December 2014 and compared to December 2012 on
the hypothesis that a change in average wages would take at least six months to
affect home prices.
Using localized earnings data, RealtyTrac also found
that 76 percent of housing markets posted increases in home
prices that exceeded the wage growth there during that time frame. In many
markets, the housing recovery has
"largely been driven over the
last two years by buyers who are not as constrained by incomes -- namely
the institutional investors coming
in and buying up properties as rentals, and international buyers coming in and buying, often with cash,”
RealtyTrac said.
Your broker uses misleading claims?
A new report on nine major brokerage firms – Merrill Lynch,
Fidelity Investments, Ameriprise, Wells Fargo, Morgan Stanley, Allstate
Financial, UBS, Berthel Fisher, and Charles Schwab – found that all “advertise
in a fashion that is designed to lull investors into the belief that they are
being offered the services of a fiduciary.” But brokers are NOT acting in your
best interests—that is the change they are fighting in Washington .
For example, the report said that Merrill Lynch advertises
as follows: “It’s time for a financial strategy that puts your needs and priorities
front and center.” Fidelity claims: “Acting in good faith and taking pride in
getting things just right. The personal commitment each of us makes to go the
extra mile for our customers and put their interests before our own is a big
part of what has always made Fidelity a special place to work and do business.”
Wall Street’s excess fees can take up to 63% of our nest egg
over time. http://www.amazon.com/Wealth-Without-Wall-Street-Low-Commissions/dp/1442168137
Consumer Reports best new cars for $15,000+
Car buying has changed: Typical new
breed of car buyer. Spend barely two hours at dealership. “All the
negotiations were over email,” one 32-year-old buyer said. Once you settled on
price, you show up, test drive, fill out the paperwork and go. Research and
shop online. Salespeople do not have research, pricing, special offers, or
low-cost financing. They do joy rides, treats/coffee, buyer-justification,
high-cost extras and BS.
Is it time to refinance?
We just completed a refi of a 5.875% 30 year with 18 years
left. We were pleasantly surprised that Quicken Loans was able to reduce our
rate to 3.25% for 15 years and pay off our HELOC. Our rate and term are less
while we are paying about the same monthly payment including our escrow for
taxes and insurance. We had about 50% equity and earned income so we avoided
PMI and higher closing costs. The Quicken process is very smooth—all docs and
communication is online so you don’t have to play telephone tag. The closing is
in your home at the time you pick with no lawyer fees.
We shopped three other lenders first. QL has JD Power awards
for good service.
We understand why.
SCAMS Why are
we still
paying $700 Billion a year for WWII
deployments? That is 27
cents of each dollar in taxes—the largest part of our money—and we aren’t
even at war. We could pay off our debts and fix our schools, roads and
bridges!
We are paying for 164,253 of our active-duty armed personnel
to be in 150 countries around the world. We have about 50,000 in Japan Germany
Are we preparing for WWII again? There are 1,208,083[1] armed
personnel in the United States .
Our taxes pay for about HALF of the WORLD’s military expenditures
every year. We have wasted $398.6 billion
so far on the F-35 program—they can’t
fly safely.
We just can’t afford to pay for everyone else’s defenses
anymore.
Japan, Germany and S.
Korea can pay for their own defenses.
The War
on Terror requires SEALS’ attacks on top terrorists at their homes. Iraq
proved converting a nation to Western-style republic doesn’t work. Our trained
troops ran away.
Angie’s List takes money from vendors for higher positive
reviews?
The complaint claims that service providers pay Angie’s
List fees for higher rankings in member searches, to suppress negative
reviews, and to ensure that positive reviews are not suppressed.
Two Wall Streeters may go to jail—NEW IDEA!
Benito Chinea and Joseph DeMeneses, Direct Access Partners,
were sentenced to 4 years for bribing a Venezuelan bank in exchange for
business. They must pay $3.68 million and $2.71 million in fines.
But ….not for Ameriprise Financial.
It has agreed to pay $27.5 million to settle a class-action
claim alleging improper use of proprietary funds and high fees in its 401(k) plan. That’s
0.00027% of revenue and deductible—hardly incentive to stop charging us HIGH
FEES.
Insurance agent steals from veterans
Patrice Sands, 45, sold the fraudulent policies at
the Miami-based Make-A-Wish Veterans that provides assistance to
veterans. Sands collected premiums and deposited the funds into bank accounts
tied to her business, Universal Research Group Insurance Agency. One widow
tried to collect. Sands could get 25 years.
IAN
41 Watchung Plaza, B242
973.746.2014
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