Friday, August 5, 2016

We are paying Don's tax bills

We are paying the taxes that Don is avoiding
“I have friends that are very rich and never get audited. I’m audited every year. Maybe that’s because of politics, who knows.” He is audited every year because he has questionable deductions. The last taxes we saw, in 1984, showed he was a sole proprietor Sch C,  ‘consultant’ with NO income and $619,227 in expenses. ?? That’s very unusual. Just as he had no taxes paid in 1978 on $406,379 income and no taxes in 1979 on $3,443,560 income. His charitable deductions are suspect too. Every American would be audited under those circumstances. It is not political. Don might have needed to make his taxes look “normal” after he decided to run for Pres and Chief of the IRS. Real estate moguls often use the huge depreciation allowance of real estate accounting to defer taxes on the gain of their investments. Some rental RE owners show only deductions during the useful life of their properties.

What if your brokerage firm says ‘goodbye’?
Brokerage firms want more money, even though their operating margins are over 45%. They're telling their salespeople to bring in more multi-millionaires. No more small accounts. The ‘personal’ touch you used to get for $250,000 wasn’t much so now you will need to give them all your assets to get attention. $750,000 is the minimum now so the firm can take at least $15,000 a year. Actually, this is a good thing for you. You were on your way to giving up 63% of your total potential nest egg because fees compound. Brokers need more income because the smart money is moving to low-fee providers like Vanguard. Your brokerage firm’s CEO just can’t make it on 2% of $250,000 customers. Brokers are no longer paid for your business anyway.


Why is your employer cutting your 401k match?
Cost! First they cut company-paid pensions. Then they cut pensions. Now they cut matching for your 401k contributions. After years of trying to get employees to put in more toward retirement, your employer may be cutting back. You may even lose matching contributions. They don’t want to help you with retirement. We are on our own. If they don’t match, you can make your own pension and make it FREE of income taxes forever. Instead of paying tax when you retire, you can spend all your earnings. This may add 30% to your nest egg since you avoid federal and state income tax as well as tax on your Social Security benefits.  
You may be ahead by using your own tax shelter: https://www.amazon.com/Tax-Shelter-Americans/dp/1500426520

And why your employer is cutting your health insurance
Cost! The percentage of employers with fewer than 100 workers that offer healthcare benefits to their employees has declined an average of 24%, reaching as high as 36% for companies with fewer than 10 employees. Meanwhile, health insurance offer rates among larger employers have been holding steady. Even though the ACA exempts employers with fewer than 50 employees from providing healthcare benefits, it created health exchanges for those employers to help their employees obtain healthcare. But exchanges, says EBRI study author Paul Fronstin, simply “haven’t taken off. Just because you create something doesn’t mean [employees] will use it.”

This is why you never got your check to fix Sandy damage
New York authorities charged a Long Island engineering firm and one of its former executives with forging damage reports for homes swamped by Hurricane Sandy, altering the documents in such a way that owners’ flood insurance claims were denied.
Matthew Pappalardo and his former employer GEB HiRise Engineering PC were named in a 50-count indictment accusing Pappalardo of directing his staff to remove descriptions of flood damage from least 25 reports that had been prepared by subcontractors who visited the properties. Lawyers say it was a widespread practice intended to benefit the Federal Emergency Management Agency’s flood insurance program and the private insurers that administered its policies following a storm that caused more than $75 billion in damage. FEMA, $24 billion in debt after 2005’s Hurricane Katrina and other storms, pressured insurers to hold the line on Sandy payments.

Wealthy political donors support America’s Socialism for the Rich
$44 billionaire warns fellow billionaires that we will likely degenerate into socialism or corporatism, as two-tiered societies typically do,” Charles Koch told attendees. Koch’s oil and gas firm worries he will loose the lucrative government subsidies he receives if Dems win elections. Other attendees wish to receive corporate welfare but do not wish to pay their fair share in taxes. Koch, headquartered in KS, has recently had the state eliminate the income tax for all businesses even though it expands operations in other states. Most large corporations obtain subsidies or tax breaks that are never discussed by their Washington ‘reps’. Many like Boeing receive huge state benefits also. Koch told his rich buddies that society must “look” like it is NOT rigged; people will get desperate.

If you need immediate income for life
There are two common ways to receive monthly income for life: mutual fund vs annuity. Annuity is guaranteed for life or life plus certain number of years. A male gets $603 per month for life in return for $100,000 at age 65. If you are in good health, you could have $238,680 by age 95 but you break even if you die in 12 years. You can take $500 and heirs can get something if you pass in under 20 years. Of course, $603 will be worth $300 in 20 years. Mutual Fund is tricky. You can take $600 a month from the principal and receive increases for inflation. You have a 54% probability that your money will carry you for 20 years. The annuity wins because ½ the people die before they get to use all of their deposit which is invested in bonds 50%, stocks 40%, cash 10%.


GOP’s no-tax experiment in KS was just defeated
Voters in KS have removed 11 very conservative reps who helped gov Brownback pass a law eliminating the income tax on Koch bros and other wealthy people. The voting occurred against the backdrop not only of the state's fiscal woes but ongoing legal and political disputes over funding for public schools. The state Supreme Court could rule by the end of the year on whether the Legislature is shorting schools on their state aid by hundreds of millions of dollars a year. Kansas has struggled to balance its budget since the GOP-dominated Legislature slashed personal income taxes in 2012 and 2013 at Brownback's urging to stimulate the economy. Koch and other businesses have NOT increased jobs and have taken their tax refunds OUT of the state. They buy business in other states and countries. No one wants to run a business where the schools fail.


Poor now allowed to save for emergency
Some states allow new ABLE account, which could help millions of disabled adults who worry about losing food stamps, cash benefits, or life-sustaining health insurance if they accumulate more than a couple thousand dollars. Three of the states let residents of any other state open an account. ABLE accounts are tax-free if they go toward disability-related expenses, a broad category that includes housing, education, health care, and basic needs. If you need Medicaid to live, you can’t keep money you earn and you can’t have income from a spouse. Florida’s program will be restricted to residents, the other three states – Ohio, Tennessee, and Nebraska – are open to people who don't live there. ABLE accounts may be available online. Family can give $14,000 a year so disabled can live more independently and don’t need a trust when parents die.

Which candidate is the better liar? Presidents must lie to keep power.
It is good to know that both parties act as juvenile petty-power cliques.
Big oil donors spending $ millions to keep GOP subsidies coming from Washington.


Can a bully be treated? Mental health is a factor in 2016
People who bully others may also benefit from therapy, though they may be reluctant to acknowledge their bullying behavior openly. In therapy, bullies may begin to understand the impact their hurtful behavior has on others, explore reasons for why they bully, learn new skills for communicating positively with others, and address personal experiences that may have contributed to their bullying behavior. Often bullies have unresolved personal wounds that contribute to their bullying behavior, and addressing these emotional wounds or identity and social issues with a qualified therapist can be an integral step towards stopping bullying behavior. The ultimate solution is to reverse the large-scale abandonment of our youth to the peer culture and, in every way we can, to rebuild children’s lost relationships with parents, teachers and the other adults. Bullies have trouble focusing on anything but their own self-worth. A 70-year-old man-child.

Don does not really want the responsibility of president—he just loves the spotlight.

Don: He "has said nice things about me". This is the standard by which I judge people.
            I get secrets briefing despite one official saying: “He’s been so uninterested in the truth    and so reckless with it when he sees it, I would refuse.” “Trump admires Putin.”             
            “I “knew” Putin 3 years ago but today I don’t “know” him” media ‘misunderstood’
            “She's the devil." "I'm afraid the election is going to be rigged, I have to be honest".
            Gold Star father is a “terrorist sympathizer” who is angry I will bar “Islamic terrorists.”
            VFW says “ridicule a Gold Star Mother is out-of-bounds.” GOP is silent.
            “I always wanted Purple Heart” but never to earn it so I took a real hero’s Heart.
            “So why can’t I use nuclear weapons, exactly?” Scary but ISIS is crazy too!
               You can get the baby out of here” after telling mom to stay at rally.
            Bloomberg doesn’t know my business dealings are a ‘con’ or does he.
            Trump Taj Mahal Atlantic City, citing labor strife, will close—Apropos!
            Harvard thinks I am a “threat to the survival of the Republic.” Poison to country.

Mike:  Roe v Wade (abortion legal) will be overturned after Donald is elected.
            I lied when I said Obama stimulus wouldn’t help my voters. I took $6.3 million.


Hill:    Campaign theme: Would you rather be ruled by Trump?
             “FBI Director James Comey said I was 'truthful' on my emails” BS Why lie?
             Now Don wants to double what I would spend on infrastructure: GOP says no!
            California County GOP Tweets Picture of Executioner `Ready for Hillary`

Tim:    Speaking Spanish is not going to win voters to Hill. She needs vision statement.

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!

.auto safety regulators are extending oversight of Fiat Chrysler for an additional year.
.Matthew Pappalardo GEB HiRise Engineering caught altering Sandy damage reports.
.Hank Werner Legend Securities caught stealing $184,000 from elderly blind woman.
.Ireland sends 3 bankers to prison for recession. Iceland sent 5. US sent 0, UK sent 0.
.FBI did not tell DNC it was target of Russian government-backed cyber attack.
.BasisPeak watch recalled – it burns you but not when you want it to.
.Ford recalls 840,000 – doors open while movingcheap spring brakes like on GM cars 
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
Wealthy Dem donors have SS # hacked by Russia with Don’s blessing.
Deutsche Bank reviewed Don’s financials when he wanted a loan. He claimed net worth of $3.5 billion. The bank concluded Trump’s net worth was $788 million. Illusionist?
U.S. Attorney’s office has ordered sealed the autopsy report of victim Alton Sterling
Zimmerman punched as he was bragging to diners about shooting the 17-year-old.

Ignoramus Award: Police shoot man in home: Oops wrong address Shoot first ask later!

How our government wastes our money
Zika now in Miami mosquito bites because Congress would not give funds for control.
F-35 $400 billion program suffers from a series of problems yet Air Force says “ready” 
Who investigates the investigators? FBI veteran giving secrets to China – It’s Hill’s fault!

Who owns your account now?
MetLife insurance and annuities assigned to CSC for servicing
EverBank to TIAA

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