Friday, July 22, 2016

We will never see Don's tax returns since he pays nothing

Trump tax situation more mysterious: no taxes paid in 1984 1978-79
Trump appealed tax rulings in the 1990s. His 1984 federal income tax return included a Schedule C, the form used by sole proprietors to report revenue. Trump listed no income on that form, yet he deducted $626,264 as expenses. He claimed a consulting business. His accountant denies preparing his 1984 return even though his signature is clear on the form. There were no receipts or documentation for expenses including his hair, jets, golfing and food. The judge wrote, “The problem at issue is not one of double taxation, but of no taxation.” We don’t know if Don ever paid taxes. In 2016 he takes on more debt as property values rise.
Avoid taxes legally by using your IRS tax-FREE account: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

What does Mike bring to Don’s party? Ann Coulter and I agree on 1 thing!
When Mike Pence was a young lawyer on the rise, he challenged a longtime Democratic congressman in a GOP-leaning district. And then, scandal. Campaign finance records from the 1990 effort showed that Pence, then 31, had been using political donations to pay the mortgage on his house, his personal credit card bill, groceries, golf tournament fees and car payments for his wife. It stunned voters — and undermined Pence’s strategy to portray the incumbent, Rep. Philip R. Sharp, as tainted by donations from special-interest political action committees. “It was a brazen act of hypocrisy,” opponents said. On 60 minutes Don said he ‘doesn’t care’.
Don must feel comfortable with Mike charging personal expenses to his work accounts, just like he does. Don promised NO outside group funding but now beholden to many. They pay his expenses to his firms. Don was for bank bailout and auto bailout. Whether they fund them or nationalize them, it doesn’t matter, but you have to keep the banks going.”

58 % of Americans are dissatisfied with their choices in the “election.” Corporations and wealthy donor class will pay over $6 billions to buy votes. Voters are split 50-50.
We CAN have democracy in this country, or we can have great wealth concentrated in the hands of a few, but we can't have both. Louis Brandeis Supreme Court justice (1916-1938)

How can the wealthy double their share of income since 1980?
The upper middle class expanded from 13% of the population in 1979 to 30% in 2014, the Urban Institute found. Together, the upper middle class and the wealthy had 30% of all income in 1979 and 63% in 2014. In the same period, the middle class’s share of income declined from 46 percent to 26 percent. Biggest factor: Education. Even with degree, low income grads earns less. Income gap is passed down from generation to generation through marriage/affinity. Where do you stand? http://www.investopedia.com/ articles/personal-finance/011216/average-retirement-savings-age-2016.asp
Protect your future with a tax-FREE account: https://www.amazon.com/Pay-No-Taxes-Retirement-legally/dp/1507527977

Is travel insurance right for you?
Despite terror events, “rates don’t fluctuate due to events,” Ms. Taft said. “Travel insurance rates are heavily regulated.” Policies are standardized so you can compare rates at consolidators like QuoteWright.com and Squaremouth.com or call an agent about which policy may best suit you. One agent said what determines whether you are covered is 1) when you bought coverage and 2) how exactly your travels were affected during a terrorist event. For instance, a road closure in the aftermath of an attack that causes you to miss your flight would likely be covered. On the other hand, if you cancel because of an event at your destination. “Traditionally insurance doesn’t cover fear,” the agent said. Use your judgment: you are more likely to die from a disease or lightning than from a terrorist attack. Millions travel without it.


Why do investors surge into stocks when the market hits new highs?
If you are a long term investor, why buy when stocks are making new highs? Wouldn’t it be better to buy when the stocks were on sale like in February so you would be up 16% by now? This is an example of why the Buffetts and Bogles tell us NOT to time the market. Wall Street “professionals” get excited about buying but their costs kill our earnings so now they sell indexes as stocks (ETF)s.  However, this can be a learning moment for us. If our advisor is telling us to buy stocks now, you could finally realize that advisors are sales people, not advisors. They want fees. (See p. 174 in https://docs.google.com/file/d/0ByXsRacEHnd5aTkyb2Z5eDMwT00/view)
It is not best for you to buy at news-cycle highs. An advisor with your best interests at heart is telling you to hold if you are a long term investor. Compounding only works if you reinvest dividends. Timing the market is for salesmen’s fees/commissions.

Where do you keep your cash? Home?
41% of millennials are keeping their “savings” at home, an Amex survey found, and more than half of “savers” have their cash squirreled away in a “secret” location. First, $100 hidden at home for emergencies makes sense. Second, ATMs are open 24/7. Third, Warren Buffett has said that the best place for your money is a low-cost stock index fund earning 10-12%. Obviously the survey is not talking “savings” since cash at home is NOT earning anything but negative consequences. If cash is sitting around it will get used or shrink (inflation) or lost NOT saved. Some banks or credit unions pay interest on checking. http://www.bankrate.com/finance/checking/high-yield-checking-a-good-bet-1.aspx


Where can you receive unbiased advice?
Any person who gives financial advice in your particular situation must be licensed. If they receive any compensation, they should tell you how and how much. You can’t judge the validity of information unless you know their biases. For instance, Warren Buffett has said that the best place for your money is a “low-cost stock index fund” earning 10-12%. If we are scared of losing money, the last place to find help is a salesman. Their job is to make money for their firm and themselves. Many studies have shown that advisors do worse than monkeys at stock picking and the advisor total costs of 2-3% can reduce your total earnings by 63%. You must pay for unbiased advice either by doing your research or paying someone a fee NOT tied to the outcome. The very wealthy have people on a fixed fee like a retained lawyer. You can pay $500 - $5,000 once for a fiduciary like the fee-only advisors at https://www.napfa.org/. Since you’re going to need unbiased advice for the rest of your life, it makes sense to learn how to handle your money yourself. Why give it to Fidelity, Morgan, Citi, or Schwab whose profit margin is 39%! Wow 39%!

GOP religion bill makes discrimination legal
Rep. Jason Chaffetz, R-Utah, thinks the "First Amendment Defense Act" will protect the rights of religious institutions since same-sex marriage legalized. Pro: Religious institutions could NOT lose tax-exempt status if they oppose same-sex people. Con: It legalizes discrimination against gays, lesbians and transgender individuals. It would prohibit the feds from taking any action against any person who, "acts in accordance with a religious belief or moral conviction that marriage is or should be recognized as the union of one man and one woman, or that sexual relations are properly reserved to such a marriage." Means NO SEX outside marriage despite GOP convention cheers for PayPal!
Feds could do nothing if people discriminate against others. It couldn’t revoke the tax-exempt status of nonprofit institutions such as religious schools or colleges run by such individuals; disallowing federal tax deductions for contributions made to such organizations; or denying anyone a federal contract, grant, loan, license or other benefit simply because that person, or an institution run by that person, discriminates against certain people for sex, race, creed, color, etc.
So feds could NOT sanction person that discriminates against people they think are gay or have sex with non-spouses—basically anyone that person/institution doesn’t like.
CURRENT LAW: 1964 civil rights act said you can’t discriminate against people you don’t like “based on race, gender, religion or national origin.”  

Impossible now possible
Scientists have created a hologram of a solitary particle of light. Impossible they all thought. It was impossible because photons act as a wave and a particle at the same time. Using two other photons which create interference, the structure of another appears. Eventually they hope to make things on the quantum level—‘universe in a marble’—level. Quantum action can happen faster than light travels: Einstein said “spooky.”

            I have made $1.4 million from running for pres so far—not bad for a ‘faker’.
            Christie threw my claim ticket at me: “You can pick up your own damn dry cleaning.”
               You will never see my tax returns—I pay nothing—and press will blast me.
               Perhaps U.S. shouldn't come to the defense of its NATO allies if they are attacked
               “Believe me,” he repeated again and again, “I alone can fix it.”
“At our convention, there will be no lies,” but we just heard one!
           
Mike: I am here to make conservative religious feel good while Don does his thing.
            ‘Do you think Don went too far [in insulting McCain]?’” Trump jumped in: "You             could say yes... That's okay. That one, you could say, 'yes.'" Bully tells him ‘OK.’
            I just said US support allies but Don said we might NOT support allies.

Hill:    I will start amendment to reverse unlimited corporate election funds—back to US.
            I will delay testifying in lawsuit brought by the conservative group Judicial Watch
            Ben says Satan—GOP has finally hit bottom. It is so sad. GOP wants to kill me?
            Did Don just declare “war” on all things Obama? Is this anarchy or Satanism?
            Did Don just tell Putin he could take Estonia and NATO meaningless?

            Mel’s “speech got more publicity than any in the history..” That’s what counts

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!

. RiverFront Investment, VA, fined for charging wrap fee plus fees covered in wrap.
.Finally police call for BAN on open carry in OH—AR guns kill people, many people
.States where you don’t need license—roam free and shoot—“I felt threatened” is code.
.NC law restricts minorities and poor from voting—up to 29,000 DEMs.
.Trump’s ghostwriter on “The Art of the Deal” says he feels “a deep sense of remorse.” I created a monster—even Don believes my myth of him as the great dealmaker. Sued
.Trump sanctioned twice for racism: “the guy is lazy. And it’s probably not his fault because laziness is a trait in blacks.” In ‘89, he called blacks and latinos, “roving bands of wild criminals.” 
.Fiat Jeep caught inflating sales numbers to get bonus/stock price up
.Share of workers who telecommute has grown from 19% in 2003 to 24% last year.
.Prudential sales assistant caught taking money from senior’s annuity account
.Goldman caught helping divert Malaysian funds to Malaysian leaders; GS fee $600,000.
.GM forced by regulators (NOT believe defect) to recall 4.3 million Takata air bags.

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own


When everyone has guns; your chance of being killed goes up. Police want gun control. They don’t know who to shoot. Shot a psych worker with his hands up while on ground.  


SCAMS
Mick Jagger, 72, announced that he is expecting his eighth child with his 29 year old gf. 
Disney tells employees to lie about alligator sightings—“never saw them, kid not killed?”
Christie lies to GOP spenders re: Trump never gave donation to Hur. Sandy fund—never.
VW cheating code made to cover up Audi fix (fuel) for diesel clattering noise at idle.

Ignoramus Award:  26-year-old PA man caught getting high on stolen human brain


How our government wastes our money
Throw money at unknown unknowns https://www.youtube.com/watch?v=GiPe1OiKQuk


Who owns your account now?
Fox News exec Roger Ailes will leave and not be defended as predator but with $40 mil
All beer—same kettle: SABMiller  to Anheuser-Busch InBev
Insurers of Olympics say not cover every type of loss related to Zika in Rio. Call agent

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