You just paid Fidelity
$ 350 million in fees from your new retirement money
Fidelity Investments
new defined-contribution retirement plan sales for the first half of this year
hit $35 billion. Your fees just made the owners, the Johnson’s, $15 Billionaires.
That does not count the $2.6 billion they made every year on pension money. For
what?
If you had been
using a low-cost mutual fund like Vanguard you would have paid HALF for 17.31%
annual return for the last 5 years. Your account would have more than
doubled. The Johnson’s charge twice as much for less return. You need the money
more than they do: http://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X
Use your tax refund
to grow your retirement fund the painless way
The average refund is $3,116. If you invest it in a tax-FREE
low-cost market index fund, you can add $500,000+ to your nest egg. According
to Dalbar’s
QAIB study, index investors using low cost providers earned 11% per year
since 1983. Investors using an advisor earned just 3.79% and over time will
give up 63%
of their potential nest egg. You don’t need to pay middlepeople anymore. Take
your refund early by changing your W-4 withholding tax: http://www.irs.gov/Individuals/IRS-Withholding-Calculator
This will increase your paycheck so you can have you account trustee debit your
checking account automatically, investing $250 a month. One of the 10
Ways to Save $3,000: http://www.amazon.com/10-Ways-Save-3000-years/dp/1515387070
Wealthy GOP supporter confesses “Welfare for wealthy” is
State of the Union
“Where I believe we
need to start in reforming welfare is eliminating “welfare
for the wealthy.” That means stopping the subsidies, mandates and
preferences for business that enrich the haves at the expense of the have-nots”--Charles
Koch. He
plans to pay $900 million to install GOP in WH. His firm has relied
on $88 million worth of government subsidies (our
taxes) for years.
What world does he live in—say one thing and do the
opposite?
The American democratic experiment is over—GOP agrees money
rules!
Trump: “When they call, I give. And you know what? When I need something from them, two
years later, three years later, I call them. They are
there for me. And that's a broken system." All the candidates
want the money. Listen
to Trump in vid.
Police fear vigilantes with assault rifles in Ferguson —outside
agitators obey no one!
Even the police
chief later condemned the group’s actions as both “unnecessary and
inflammatory.” Oath Keeper 35,000-members nationwide includes former law
enforcement and military veterans often openly question federal laws. They
claim they are there to protect property—what are police for? Missouri is an open-carry state.
Should black
residents carry assault rifles to protect themselves from vigilantes?
Sharia law in
KY—GOP religion rules in KY
A county clerk here
is apparently defying a federal court order to issue marriage licenses to
same-sex couples. Sharia
law is law based on a religion not on civil laws.
Corporation is
claiming “personhood” in lawsuit—“Its feelings were hurt”
When Murray Energy
initially filed its lawsuit against Public Citizen, a public advocacy group,
the company contended that Supreme Court rulings like "Citizens
United" mean corps have privacy rights (meant for living, breathing human
beings) Murray says that Public Citizen violated their “human” rights. Can a
company suffer "mental anguish and emotional distress" like a human
being as a result of opposing groups’ ads?
GOP-led Supremes
have ended our democracy! Wealthy corporations have more rights (and money)
than humans.
What do you get when you buy a Congressman?
One lobbyist says you get "retroactive immunity for a group of antitrust
defendants", achieving "a legislative override of a negative agency action." This was the boast of their
site. The ban on revolving door lobbyists has just changed the name not
the lucrative business.
Yes, the number of registered lobbyists in Washington
has declined steadily since the 2007 ban but the ban on lobbying has NOT
stopped lobbying by ex-Congressional members. The Center's OpenSecrets.org website lists several categories of stealth lobbyists.
1. Lobbyists-in-waiting: "Because there’s no ban on the
background and other work that supports lobbying efforts ... and no ban on
forming a lobbying firm, lawmakers and staffers are free to join lobbying shops
or hang out their own shingles even while they are in their cooling-off
period." 2. Lobbyist by another name. Chris Dodd, Dem ,
CT Hollywood 's
lobbying arm. Did Dodd violate the law? No indictment by Obama yet.
2016: America ’s
real
reality TV show—“you just can’t make this stuff up”
Trump has trumped all politicians—he says
what he thinks but he holds grudge.
His crude handling of debate panelists shows pattern
of “mob” mentality. Future Pres wont’ apologize. Fox needs ratings so gives
him lunch. ‘I am a whiner, and I keep whining and whining until I win’ But Mexico
says “no pay” for wall.
Trump presidency looks like this: Kansas
model—cut business taxes to zero and raise sales tax on working people. We
must own business to succeed.
Perry staff on life support.
GOP wants to cut all the programs that help people
Cuts to ObamaCare, Medicare, Medicaid, food stamps, Social
Security and SS disability are favorite themes. But GOP never talks cuts oil
and gas subsidies, farm and crop subsidies. They don’t talk about cutting
weapon systems we don’t need or paying
for the defense departments of Iraq,
Turkey, Egypt, Israel, Korea, Japan, Germany, ETC (and now Ukraine). GOP
candidates talk about adding jobs but refuse to rebuild our roads, bridges,
ports, etc. GOP to cut government and regulations--“jobs.” We will get less
protection in food, water, cars, drugs, transport, etc. 12
die—no regulation to clean cooling towers. Nothing will be regulated/tested
in GOP world. Subsidies pay for polluting fertilizer, coal, oil, unsafe drugs,
cars, trains, water, etc.
Our tax system has been changed in the past to fit our needs
and there is no legal reason it can’t be changed again to accommodate our aging
and immigrant population.
All is possible! GOP lion Ron Reagan,
raised taxes to fix Social Security, sold
Iran weapons, and gave amnesty
to 3 million immigrants so.
Why do scientists and generals and admirals support Iran
peace deal?
Twenty-nine of the nation’s top scientists — including Nobel
laureates, veteran makers of nuclear arms and former White House science
advisers — praise
the Iran deal, calling it innovative and stringent. 36
military say deal is “the most effective means” for peace.
Are they paid stooges
or blind political followers or honest
analysts of our situation?
MT citizens save with ObamaCare
While Montana
has one of the nation’s lowest head counts, it ranked a close second behind New
Hampshire in terms of the highest rate of 2015 public
exchange re-enrollment among 34 states that direct their residents to
Healthcare.gov. ADP is working with USI and GoHealth to help employers provide
benefits as well as those who must purchase through public exchanges.
Buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083
Hackers cut your brakes in cars with Metromile chip
IT guys at UC hacked into an onboard “dongle” used by
insurance company Metromile to track your mileage/premium. Hackers controlled
brakes in real car.
GITMO north—Cuomo’s own torture chamber
Inmates at New York 's
Clinton prison say they were
beaten, choked and slammed against walls by guards seeking information after
David Sweat and Richard Matt escaped from the upstate prison in June. More than
60 prisoners have filed complaints about alleged. One inmate, Patrick Alexander
said he was threatened with waterboarding and physically assaulted as guards
asked questions about Matt's and Sweat's escape.
Who Owns Your Account Now?
Symetra Life to Sumitomo Life
SCAMS
IRS has documented more than 4,000 tax scam victims who have
collectively reported over $20 million in financial losses. IRS says “think
twice before answering suspicious phone calls, emails or letters.” Scammers pose
as IRS agents with fake caller IDs, badge numbers, titles, letterhead, mailing
address, etc to get paid. They threaten police arrest, deportation, license
revocation, etc. Confirm you owe at Treasury Inspector General for Tax Administration (TIGTA) at
1-800-366-4484.
State Farm hit with
excessive fees suit over target date funds
“The amount of the management fee extracted and retained
from the LifePath Funds by State Farm is so disproportionately large that it
bears no reasonable relationship to the services rendered (if any) in exchange
for that fee,” the complaint states. Most of the fees carried a net
management fee of 62 to 63 basis points (0.63%), according to the complaint. Vanguard
charges 18bp (0.18%) for the same funds.
State Farm accused of using poor quality parts in car
repairs
Mississippi Attorney General Jim Hood asked DOJ Eric Holder
to investigate State Farm’s ‘Parts Trader’ program. He told the press
that “Body shops have reported to my office that they are pressured into
accepting bid from Parts Trader for after-market
or re-manufactured parts that are unsafe and far below the quality of the
original equipment manufacturer.” Hood also told Holder “there are also
allegations that the insurance companies are artificially fixing auto body
labor rates to reduce the cost of repair.”
Coke hires “exercise scientist” to prove sugar NOT causing
obesity
Coke pays GEBM which claims it is lack
of exercise not sugar drinks (Coke) that contributes to obesity. “Most of
the focus in the popular media and in the scientific press is, ‘Oh they’re
eating too much, eating too much, eating too much’ — blaming fast food, blaming
sugary drinks and so on,” the group’s vice president, Steven N. Blair, an
exercise scientist, says in a recent video announcing the new organization. “And there’s
really virtually no compelling evidence that that, in fact, is the cause.”
Edward Jones got caught charging too much!
They agreed to pay more than $20 million to settle SEC
charges that it overpriced
new issues of municipal bonds.
Another broker gets off! No jail time!
CA Broker John Thornes, Thornes & Associates, stole $4.4
million from his mom and a scholarship fund but did not go to jail. He just lost his
license.
Citizens Bank caught keeping customer deposits
Regulator fines Citizens Bank for failing to credit
consumers the full amounts of their deposited funds. The bank
kept money from deposit discrepancies when receipts did not match actual
money transferred. Today’s CFPB consent order requires the bank to provide
approximately $11 million in refunds to consumers and pay a $7.5 million
penalty for the violations. Like IRS, you only hear when you owe them.
Can we afford to keep 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 have 1.5 million in
military (same as
Hitler to start WWII). 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 sitting in Japan Germany
We are spending $8 million per HOUR on
our wars in Iraq/Afgan
The War
on Terror requires special forces attacks on top terrorists at their
homes like Obama’s
al-Amr May14 Abu kill. Iraq proved
converting a nation to Western-style republic doesn’t work. The
troops we trained ran away, left our stuff. Training and more stuff for
what? Former
Saddam army now ISIS. We are wasting
$4 billion a year on Afgan
tribal rivalries; paying ransom to Al Qaeda; supporting corruption with our
money.
We are building another
military base for Japan at Henoko. Air Force Gen. Ronald Fogelman admitted
that the Marines “serve no military function there. They don’t
need to be in Okinawa to meet any time line in any war plan.”
We just can’t afford to pay for everyone else’s defenses
anymore.
We are now
training Ukrainians in Ukraine—Mission creep
Afghanistan
started the same way—just training, and then guarding trainers, then supply
trainers, then supply U.S.-built Stinger antiaircraft missile to the
mujahideen, and eventually $200 million for fiscal year 1992 alone. $4
million/hour- $778
billions so far.
IAN
41 Watchung Plaza, B242
973.746.2014
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