Don and Hill will need to raise taxes to pay for walls or wars
Don’s wall and Hill’s return to Iraq
and Afghan will cost us more taxes. Both want to spend more on guns and war and
that ain’t cheap. Her plan will cost $1.1
trillion. His tax cuts will cost $9.5
trillion and he will cut “waste”—Medicare and SS benefits—to limit
borrowing. Both will need to raise
revenue one way or other since more 1%ers and corporations are using
loopholes to avoid
paying any tax. Don
can avoid taxes for years with his $50 million loan write off.
Start your tax-FREE account now so you don’t get stuck with
taxes later: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520
Put your advisor on a diet—Market returns will remain low—hedge
funds close
Economic gains will be slower with Don or Hill so stocks
will be pressed to break 7%
return. It is time to put your advisor on a diet and cut their share of
your gains. If their fees, trading charges and taxes continue to take 2%,
you could end up with only
63% of your potential nest egg. Taking more risk for greater yield is not
the answer you want from them. Fees will continue even if no gain. Better to go
with par, the average return. Try an ETF or index at 0.05%. You may clear 7%
not 5%.
Get back to basics: https://www.amazon.com/basic-facts-about-learned-before/dp/1534665544
ETF or index fund?
Advisors are all excited about the ETFs they have to offer
you. Why? Index funds have been out there since 1976. Perhaps it is because
index funds are packaged in a commission product. Yes, the sales
person who once hated index funds can now praise them. Excitement over
exchange-traded funds continues among financial advisors, according to Journal
of Financial Planning. ETFs are the preferred investment vehicle for 83% of
advisors up from 40%. Advisors are selling them to clients using ‘lower cost’
as the sizzle. What advisors don’t disclose is that the fund version is much
cheaper than the ETF commission/fees. Don’t be fooled.
Is a homeowner policy Virtual inspection right for you?
Esurance offers a do-it-yourself Home Inspection app, which
allows policyholders to self-inspect their homes and receive policy discounts.
For instance, the insurer needs you to fix broken sidewalk. Now you can prove
it yourself. No need to wait for inspector to show when you have a claim. Just
record what the insurer asks for to prove you lost your siding or roof. Insurer
promises quicker service. They don’t need to send a drone
or adjuster. But sometimes you do better with private expert on your side.
Save with 15 discounts: https://www.amazon.com/Homeowners-Insurance-Beware-Coverage-Policy/dp/1480100870
What is the most important predictor of your investing
success?
According to an unbiased Morningstar study,
low-cost funds beat high-cost funds PERIOD. It is a myth of Wall Street that
you must pay more for good performance. You are just paying for the Wolf
of Wall Street's toys. Other Wall Street myths: Buy low, sell high; manager
tenure; proven performer; get in on ground floor; concentrate portfolio.
Warren Buffett, the master of investing, disagrees:
"A very low-cost index is going to beat a majority of the amateur-managed money or professionally-managed money."
Warren Buffett, the master of investing, disagrees:
"A very low-cost index is going to beat a majority of the amateur-managed money or professionally-managed money."
Income inequality, rising since 1970s, link to frozen wages?
New study, which measures income inequality by state, metro
area and county, shows that inequality
has risen in every state since the 1970s. Most of the income change has
gone to the more senior corporate chiefs and not in salary. Corporations are
escaping taxes and shareholder limits on excesses. Your Apple gear costs a lot
to buy but little to make. Your shoes don’t cost $150 to make. Verizon service
doesn’t cost Verizon $200 a month to provide. Corporations have digitized and
outsourced for the last 40 years and haven’t
shared the increased profits with workers or shareholders. Is David M.
Zaslav’s labor really worth $156
million a year? Yahoo’s CEO got a 69% raise for ..? Chipotle’s head found
$29 million despite sickening patrons. His 1st boy got $28 mil.
Chase gave its CEO a 134% raise. Another study shows higher
CEO pay; worse performance.
If you are NOT the boss, do this: https://www.amazon.com/Working-Millionaire-Tax-FREE-Self-insure-Self-fund/dp/1460945484
Is a Goldman Sachs CD right for you?
The commercial bank famous for creating the mortgage
meltdown by packaging bad mortgages with pretty ribbon is now in need of money.
They offer savings CDs for the non-1%ers. You only need $500 to obtain 2% for a 5
year CD. So if rates go up you will have the privilege to be stuck with $52
profit over 5 years. If you need it back, you lose part of your $52. If you
want most of your money to grow above the inflation rate, you will need to keep
it in stocks and bonds at the lowest cost you can find. Your money is actually
safer in stocks than with Goldman because you lose half your purchasing power over
time: 47 cent stamp used to cost 33 cents just 15 years ago.
Go long for SAFETY: https://www.amazon.com/Go-Long-Reach-Wealth-Starting/dp/1519376189
Auto insurer’s satisfaction falls 7 points
Overall satisfaction declines by a significant 7 points. The
17
largest insurers are the primary drivers of the overall decline. Satisfaction
among the smaller insurers increases 1 point from 2015. JD Power survey found the
top insurers for each region were NOT all large insurers even though they had
best digital scores. Winners:
Central: Shelter Insurance (819)
Mid-Atlantic: Erie
Insurance (829)
North Central: Auto-Owners Insurance (842)
Northwest: PEMCO Insurance (847)
Southeast: Farm Bureau Insurance – Tennessee
(870)
Southwest: The Hartford
(829)
New Jersey Manufacturers Insurance Company (NJM) and USAA
also achieve high levels of customer satisfaction in the study, although they
are not included in the rankings due to the closed nature of their respective
memberships.
Buy the best and save: https://www.amazon.com/Industry-Insiders-Guides-Buying-Insurance/dp/1466435712
What does Trump’s National Socialism
stand for?
Don
will cut Medicare and SS benefits “if tax cuts don’t make big
surpluses”
Cut funding for un-wealthy,
poor, schools. seniors, underemployed, kids,
etc.
Reinstate older
white male value system: Make ‘WASP”
America Great Again
Reinstate Christmas and Christian
observance in schools, home, court, stores, etc
Put successionist’s
flag back in public spaces - cemeteriess, courts, state houses.
Put up a wall, end trade, bring
back repetitive “robotic” jobs back from low wage areas.
Cut regulation of all business activity, lower
wages for women, pregnancy
Replace ObamaCare: no mandate (tax
credit so you can try to find your own like before)
Cut federal spending on health especially when
control women clinics
Cancel immigration for all from non-EU countries. Deport
them
Replace judges whose parents
came from a non-EU country or any non-Christians.
Increase debt and devalue debt. Let Mexico
pay for the Wall by taxing
imports we buy
Create tariffs on imports
so we pay $6,000 more for stuff we buy. Middle class tax.
Trade pacts are no good for us and no good for our workers.
National right to buy
and carry any firearms anywhere anytime by anyone age 2 and up.
Install state gov that cuts
Medicaid, education, federal payments, infrastructure like
KS.
“Lust
for executive power”—GOP House leader thinks Don wants to just snap
fingers.
“I
could stand in Fifth Avenue and shoot somebody and I wouldn’t lose any
voters.”
Don’s rallies begin with crazies
denouncing supporters--thrown out as “protestors.”
“The only thing necessary for the triumph of evil is for good
men to do nothing.” E Burke
Don: I found my running mate: Ken
Lewis. He doesn’t like Orlando ’s
non-whites.
I
just took $1million from campaign. I’m not a charity. I
need to be reimbursed.
I’ll
help Christians dominate American social life: remove church/state
barriers.
It’s “my
greatest contribution to Christianity” advisors Michele
Bachmann, Ralph
Reed.
‘I’m
really rich, I don’t need donors. Fundraising for to make wealthy feel
good.
I don’t
care if Reagan
gave 2.9 million illegals amnesty “legalization” in 1986.
Hill: Looks
like 1964 all over again. Goldwater had similar message for racists and
lost.
Paul: ‘This is one of my big concerns:’ Don’s
“lust for executive power.” He’s OK now?
Millennials,
wanting to remain, did not turn out like older BRexit voters
Regulators are the only protection we have since we
can’t sue anymore
“It is nearly
impossible for one individual to take on a corporation with vast resources.”
(GOP bill requires impossible: every person in class
action suffer “same type and scope of injury”)
Supremes
stop us from suing—State courts no longer available to sue corporations!
.Congress
votes for more killings: terrorists on watch list CAN buy assault weapons.
.GM wants judge to dismiss claims that your
car lost value when recalled
.Judge: KS
can’t bar DEMS from voting because non-KS form to register, yet KS does.
.NJ
says NO to more open carry guns—Christie embarrassed—NJ is NOT wild west!
.Nissan recalls 60000 Q50 for steering
problems with software.
.Another child
dies handling gun with no safety. Guns
kill people. Fear not crime drives.
.Fiat/Jeep with trans problem kills Star Trekker Yelchin—Grand
C rolls in ‘Park’.
.Hyundai Kia recalls 400,000
cars and minivans many things wrong.
.NYC rescinded Don’s
property tax rebate meant for middle class homeowners. What?!
. Merrill Lynch fined $415
million for using customer cash to generate own profits
.VW pays $10.3 billion to settle claims from diesel
emissions cheating scandal
We need regulation—GOP wrong—companies/cities
wouldn’t fix bad products on own
SCAMS
Why do star
athletes have to prey on unconscious women? Too obnoxious or too mental?
Salesmen forgot to tell you: Is
your car one of the most regretted cars sold?
Orlando killing
was gay revenge?—self-hate crime—Muslims can’t be gay so terrorist
Muslim
got FBI to start file on Omar—he was not radicalized enough maybe never.
Guns
kill people many at a time. Congress
fails to stop even highjacker terrorists.
Tombstone
had gun control for good reason—it reduced deaths. Congress helps
terrorists
Ignoramus Award: Congress
represents the American people. Right. Except
on the topic of guns. This is the 3rd rail that can kill
politically. When assault rifle kills 26 kids and now 49 gays, is that enough
to pass just a background check? Does your rep fear your vote more than NRA? Even
in 1686, NJ recognized that people get afraid and into quarrels when they carry
guns. 2nd Amend was for militia not
average Joe.
How our government wastes our money
Crazy Dems Go on Strike in Congress—Work stoppage to get a
vote on guns
Civil
rights leader John
Lewis and Katherine Clark conspire to force GOP action
First
time in US history House members sit-down strike their own jobs.
Zika protection used as tool to defund ObamaCare so not
passed. FL hurting for $.
55 percent of
Democrats say the Republican Party makes them feel afraid and
49 percent of
Republicans said the same about the Democratic Party. Try
socialism?
We are
loaning Iran money to obtain Boeing jets ImEx bank and ex credits.
General Electric decided to move some production
overseas to use foreign export credit.
Who owns your account now?
IAN
41 Watchung Plaza, B242
973.746.2014
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