Saturday, September 17, 2016

Money for emergencies?

“I don't have the money”
How to Handle Your Financial Emergencies
Are you anxious about money? Are you afraid of what might happen if you had your transmission fail or your garage caught fire? Don't let a financial emergency kill your financial dreams. Many financial plans have been destroyed by an unexpected, huge, catastrophic event that catches you without money. If your spouse is in an accident or your home burned or you die, how will your family move on from the devastation? Most emergencies can be handled by a combination of cash and insurance. Because some events can have catastrophic impact on your life, you need insurance. However, having the wrong kind of insurance can destroy your life too. And certain situations demand cash since there is no or very expensive insurance available.
The right insurance can cost less; giving you more cash: https://www.amazon.com/dont-have-money-Financial-Emergencies/



Art collection is another way wealthy avoid taxes we must pay
When you own commercial real estate, you can “decorate” with expensive art works instead of inexpensive paint. Your art becomes a business expense. And if you ever get audited, you just pay the tax and fine but never have to admit guilt and go to jail like a poor thief. So when you are able to deduct your favorite luxury by having your company buy it for “business” use, you do it because there is little downside. Some use a “resale certificate” or fake firm in a “no-tax state” or offshore firm to avoid sales tax. No perp walk and no jail. Your lawyer’s fees are deductible too. Some of your peers may think you are just a “great business person” not a celebrity con man. You may delay taxes until you become in charge of the tax collection agency. “Audits” can go on for years.


GOP says they want personal freedom—freedom to pollute … air, water, globe
Leaders of the new GOP are using profits from pollution to pay for eliminating regulations on polluters of all stripes. Koch Industries claims they want govt out of regulations but they are destroying Crossett, AR. E.P.A. records show Koch emits more than 1.5 million pounds of toxic chemicals each year, including numerous known carcinogens. They keep polluting after telling us they want to stop “government and corporations picking winners and losers, rigging the system against people, creating a two-tiered society with policies that fail our most vulnerable.” Koch has nearly bankrupted their home state when KS GOP cut taxes on all business. Meanwhile, Koch has taken $200 million in government subsidies—something they bitterly oppose in interviews with the press. GOP wants freedom without responsibility or cost.

Need a dependable SUV?
JD Power asked 33,560 original owners of 2013 model-year cars after 3 years of ownership about the problems they had experienced. Six SUVs were awarded with top honors in dependability in this year's study. In each vehicle class, owners judged on overall, power train, body interior, feature accessory. After 3 years you know you have a dependable ride. Some sellers actually certify 100 specifics on a used choice. Many 13s have the new working gadgets so you don’t have to break them in (and return for recall).
Don’t forget to ask for all 16 insurance discounts: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

GOP attacks poor getting assistance yet they take tax credits themselves
Romney got caught denigrating Americans who get laid off or face huge medical bills and must use our safety nets—federal state and private. A new study shows that most of those Romney attacked got back to paying taxes the next year. And they pay all their taxes (33%) not like Romney, Kerry and the tax credit class that pay under 15% TOTAL tax. They reduce tax by giving money to nonprofits which provide them influence power. “Of the people who receive government assistance, about 44% stop receiving it the next year.” The tax-credit class use many devices and lawyers to receive government assistance big time. There are many layers of govt support. Some are documented by GoodJobsFirst, Shaxson, and Johnston. Most corporations can postpone taxes for their managers’ huge compensation so they don’t pay the 33% we pay but HALF that amount years from now. Businesses deduct many managers’ costs--dress, eat, sleep, fly, etc etc so not only do they not pay tax on the money to buy these things but costs reduce revenue and thus corp. taxes. Those like Charles Koch and Trump advisor Bachmann extol free enterprise but take govt subsidies. Our so-called ‘representatives’ make money from “insider-information” which is illegal for us to do.
Fight economic inequality—pay your fair share: https://www.amazon.com/Tax-FREE-Income-000-tax-free/dp/1477472584

GOP plays the same tune as they did in the Depression
Charles Koch has provided $900 million to push America to the right politically. This means more business freedom (less taxes) and less regulation (more pollution). GOP wants to cut IRS, food stamps, health care, and Social Security/Medicare (‘entitlements’). GOP wants to “turn back time.” During the Depression, Hoover and the wealthy believed private philanthropy was the key to feeding 25% of Americans out of work. They thought direct relief was un-American and unconstitutional. U.S. Govt could never feed millions of hungry people because “they would never look for work again.” “Ready food makes men soft” they thought. It encouraged idlers to live in cities. So local govt had to feed people but only ‘deserving’ people. Many Americans got sick: pellagra, rickets – malnutrition – with vitamin deficiencies. Red Cross wouldn’t feed Appalachians. MetLife claimed people ate too much anyway. Black sharecroppers got fewer rations than whites. NJ determined that “Eyetalians” didn’t need meat. Immigrants’ foods were discouraged. Well GOP, people went back to work to get a better life. No one likes poverty! They created the largest economy in the world by 1945. They will do it again despite GOP.
Americans are optimistic so a progressive not regressive view of life wins elections.
GOP platform: “restore Food Stamp program to 1964” “repeal ACA,” “no tax increase for SS” “vouchers for Medicare” “block grants for Medicaid.”



Don’s Apology?: “Sometimes in the heat of debate, and speaking on a multitude of issues,   you don't choose the right words or you say the wrong thing. I have done that." 
Hill’s Apology?: “I just followed advice of Colin and other Sec. State before me.”

Don vs Hill 2016 – trigger happy?

Don: Hill insults millions of Americans and wants to be Pres of all US.
            If I don’t win you will have “a whole different church structure.” Hitler said same
            “I ‘pledge’ health records soon”—my doctor note was scam fake wrong too short    I can give other people’s money as my own, get credit, and make money from it.
            Trump will NOT release medical records on the Oz show after promising.
            It’s ‘disgraceful’ that Ford sends jobs to Mexico and as Prez all I can do is yell.
            I don’t tell election officials of my hundreds of foreign deals. No conflict there?
            Junior’s warning of warming up the “gas chambers” for media was “misheard”
            “America Great Again” – some whites misunderstand what I mean or do they?

           
Mike:   Don will show all his personal taxes and health records “soon”

Hill: Half Don’s Americans are “deplorables”—racists, sexists, homo & xenophobes
            I have doctor’s note: just pneumonia; but my SS detail was not there Trumpers?
            Death threats: KY Gov Bevin warns “blood” needed to “redeem” US if I win.  
            RI GOP Chair Bell called me “subhuman” bec/ emails? Desperate fear?
            Don’s tax plan Trump Loophole gives business a 15% rate We pay 32.9%.


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!

EPA found Koch emits over 1.5 million pounds of toxic chemicals yearly  Crossett, AR.
GM killed another person with faulty airbag—recalls 4.3 mil cars—killed 124 before.
Don violated election law in FL Charlie Crist by using his own companies 3 times.
Bridgepoint Education caught selling expensive student loans to its customers.
House votes to ease disclosure rules for Wall Street tricks – pensions may lose money
States that did not expand Medicaid (poor) have uninsured rate double ones that did.
Charles A Banks Atlanta caught defrauding NBA Tim Duncan of $1million scheme.
“Whiz kid” Manny Bachus Wealthpire lies, faked trades, stole money--no jail
Genius Warren Buffett buying more Wells Fargo—Fed may save his big mistake
NC loses money in sports so some political correctness fans are happy
Fiat recalls Dodge Jeep Compass Sebring 200 airbags kill 3; hurt 5—don’t they test?
Samsung recalls 1 million Note 7s after burning 26 people—don’t they test battery?
We will bail out GOP again: GOP’s Flint water debacle – freedom w/o responsibility

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


Police want gun control.
When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot if you and robber has gun. They Shot a psych worker with his hands up while on ground. Police shot black homeowner who reported car stolen in front of house. No “shout out” “police” since homeowner has gun. They shoot first if black or deaf. Deaf man was fatally shot when he tried to explain in sign. An Oklahoma mom was arrested after she shot a man she found in her 16-year-old daughter`s bedroom. OK Police pepper spray NOT shoot 84 year old mom who didn’t move fast enough in HER home. 11-year old shoots another 11-year old playing at home with adults’ gun. Can a homeowner carry a gun and water their lawn?


SCAMS
Galaxy Note 7 smartphones burn car and people: bad battery costs Samsung $ billions.
Welspun 100% Egyptian-cotton sheets are really not according to DNA. Stores fooled!
20 cars losing value so fast you need to buy the 1 year old version and save 40% off list.
Wells Fargo moved customer money for fees: sales exec Carrie Tolstedt got $124 mill.


ignoramus Award: Marines burn Muslim recruit in clothes dryer: abuse/racist/sadist?

How our government wastes our money
Zika spreads by precious bodily fluids so will cost more: Congress sits on $ to stop it.
We pay 50,000 military to sit in Okinawa and Okinawa doesn’t want them anymore
GOP blocks plan to shut down Guantanamo wasting $5 billions plus ISIS market tool

Where have all the jobs gone?
The nature of current tasks shifts away from repetitive toward people-oriented tasks.
Call center staff replaced by AI software for insurance quotes.
Advisors and assistants replaced by AI for “smarter investment decisions” at insurer
Car insurance agents replaced by AI for standard coverage on common cars. China?
Iphone7 can make digital negatives with 2 lenses—SLR camera makers lay offs?
5,300 bank sales fired for doing Wells Fargo ordered – make exec Carrie Tolstedt rich
Ford follows Audi to Mexico to build cars and cut expenses raising profits less tax too.

Who owns your account now?
Median household income 2015 was $56,516, an increase of 5.2 percent from 2014.

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