Friday, January 27, 2017

Robo-advisor helps you earn more

Robo-advisor help wealthiest cut fees—earn more
“Our research consistently shows that robo-advisors are becoming increasingly accepted by wealthy investors,” said Spectrem. “To remain competitive, traditional advisors should lead with their unique expertise in establishing a financial plan and emphasize their ability to evaluate and react to world events.” But advisors like MorganStanley want fees from ETF indexes so client fees double—advisor plus index manager. Among the robo-users, almost half were directed to use digital advice by a human financial advisor. Just 13 percent reported using a robo as their primary advisor. While 41 percent of robo-users were self-directed investors, a larger portion, 43 percent, described themselves “event-driven”—likely to seek professional advice for specific needs like saving for retirement or asset allocation. But advisors with fees still can’t foretell the future.

Why do hedge fund investors earn only 3.3%?
After you read this story about hedge fund expenses you will be glad you stick with low-cost index and managed funds. The “masters of the universe” have charged investors for everything under the sun—personal expenses too. Fees start with 2% ongoing plus part of the returns so instead of earning 10-12% like many stock index funds, hedgers get 3.3%. Yes you could have earned more but smart investors are learning that you can’t bank “could have earned.” There may be some social prestige in saying that “________ manages my money” but those who know the real situation know hedgers are really losing money. Opportunity costs are what economists call the real price of hedge fund losses. Smart investors know what they know. Managers cannot beat the market over time. Eventually using borrowed money to increase returns will bite back the returns.

'It's made in Vietnam!'
At inauguration, supporters are shocked by the maker of red Trump hats. Trump has been trumpeting "buy American and hire American."
Can you take The Don at his word? Is his word as good as his contract?
The Don has made a lot of promises that the GOP Congress may not want to keep. The Don's lieutenants are billionaires who know how to make the financial industry work for their best interests not ours. Half of our “representatives” are millionaires and have never had to find a better-paying job, affordable health care or child day care. We taxpayers provide them with the best health care and child care. They don't need the ObamaCare premium tax credit to afford basic coverage. They have never had to fight their insurer to get a needed procedure. They spend over 50% of their time collecting money from the wealthy who pay for their expenses.
They have never had to be protected from the fee-hungry financial services industry. We taxpayers provide them with the best low-fee ($0.29 per $1000) savings and investment plan in the world—the Thrift Savings Plan. Most have tax-advantaged accounts and overseas tax shelters. They don't need the Obama Fiduciary Rule to make sure the industry does not take up to 63% of their total potential retirement fund in fees.
The Congress wants to cut our Social Security and Medicare/Medicaid assistance. There is no Constitutional mandate to cut benefits if the funds we paid in for 30 or 40 years are not enough to cover the increases in our cost of living. They pay cost overruns for all the other programs all the time. The Congress does not rely on these benefits themselves since we pay Congress even after they leave office. They have millions and still get a pension. The Congress may not provide funds to rebuild our bridges, roads and other infrastructures if they waste it on The Wall. The high-paying jobs that we want back may have been made obsolete by technology.
It's up to us to prosper despite The Don's 'economy' for the rich.


Is life insurance on a child’s life right for you?
I get this question all the time because one of the insurance companies seems to have saturated the world with the simple app and brochure. It has a child’s picture with “Grow-Up Plan” message. It says the plan’s coverage doubles to $10,000 during age 18 with no increase in premium. Sounds good BUT what are you really doing? First, very few kids die young and collecting will be the last thing on a parent’s mind. Second, the amount of coverage that you are guaranteeing is tiny and the cash value growth will be miniscule. Third, as an adult, your child can buy a lot more coverage for far less than this plan even if they are in poor health. They could obtain $500,000 for $13 a month not $70 or more it costs for the $350,000 child policy. Actually you can buy better protection for your child by investing the same premium in a stock index fund. The cheapest plan premium of $25 a month could be worth $3.7 million at age 66 not $350,000. You are compounding the insurer’s profit as well as your own savings in a low-cost stock market index. Even if you don’t start right away, you could still assure your child of living insurance: https://www.amazon.com/Tax-Free-Living-2012-strategies-build/dp/1477452702



FREE tax preparation
Advertising to you is how they pay for free credit score and “free” tax preparation. https://www.creditkarma.com/ needs your eyes to obtain dollars from sellers of financial services and they give you software to file federal and state taxes at no cost. If you need to file a simple return, this is the cheapest way. Usually simple means you have W-2 income and no home deductions. The IRS has a topic look up so you can find the answer to your question easier than waiting on the telephone for an operator to answer: https://taxmap.ntis.gov/taxmap/ You can do your federal online FREE using commercial sites through the IRS https://www.irs.gov/uac/free-file-do-your-federal-taxes-for-free. These sites charge for a state return. You can also use a local AARP tax aide office: http://www.aarp.org/money/taxes/aarp_taxaide/ AARP does not discriminate by age or income so they can usually take care of most people. Best tip: deduction for IRA contributions and tax credit up to $2,000 subtracted from tax you owe. Double Your Pleasure. 

This is what happens when you cut taxes for the rich
Trump and GOP want to give themselves another tax cut. But KS tried to grow their economy by giving rich people more money. Guess what? The tax money was not spent creating more jobs. People just left the state just like in Christie’s NJ after he cut tax for millionaires. States cut essential services and child education. Now the tax cuts have to be reinstated but the taxes were increased for these things—gas, cigs and booze. NJ raised gas tax by 23 cents per gallon. The millionaires still left the states because they can. Trump’s new Treasury head says he will use a trick to make the budget look good despite cutting taxes for the wealthy. It is called “dynamic scoring." “We do believe in dynamic scoring and with the appropriate growth," said Steve Mnuchin, the nominee for Treasury secretary. "I think we want to make sure that tax reform doesn't increase the deficit." Bush II’s budget tricks with costs of wars increased debt by 102%--doubled.
Those two sentences actually contradict each other because "dynamic scoring" is just a fancy way of justifying massive increases in the national debt — increases that would result from Trump's plan to spend $500 billion on infrastructure development and war weapons while carrying out dramatic tax cuts. The plan would reduce federal revenues by $9.5 trillion over its first decade before accounting for added interest costs or considering macroeconomic feedback effects.

Is your financial person giving you the best deal?
Whatever title your person uses may be misleading according to the non-profit Consumer Federation of America. It really doesn’t matter which firm they sell for either. The only way to know if they are giving you a good deal is to do your research. Just like buying a car or house, you need information and the internet offers tons of it. Logically, good unbiased info comes from a source that does not profit from you using it. First, no person has the ability to predict how well a stock or the whole market will do in the next year, 5 or 10 years. Second, Warren Buffett has the best track record so far. His holding company has produced over 20% a year (p. 2) since 1965. You could hold the stock of his firm—BRK. His advice is to hold two index funds. Third, he says you must be patient for compounding to work its magic on your money. Fourth, not all index funds are equal, so he suggests two for you. Take the best deal.

Why Roth IRAs are the 21st century savings/investment tool
You put money in and it grows and you never pay tax on the money again. Let’s say you invest the max $5,500 a year from age 21 to age 67. You could have $7.7 million. Let’s say you quit investing at age 31—just $55,000. By age 67, you could have $2.8 million. You could have an extra 25% by avoiding the tax from a regular pension or IRA when you take it out. Or let’s say you have an emergency and need $10,000 to buy a car. There is no tax or penalty even if you are under age 59.5. It is your original contribution. This works for your emergency fund since funds are usually back in your checking in 1 day. Your money keeps growing and you pay no tax every year unlike a regular account. And the Roth beats a 401k unless you have a match from your employer.

Vehicles made to go 300,000 miles and save you money
The marketing of vehicles highlights the emotions we feel when driving. Some want speed. Some want luxury. Some want economy. Some want reliability. This last category is hard to sell because it is not very exciting to say my car can go 300,000 miles. But these 10 have proved reliable over time and for those who want to get from here to there without a stop at the dealer or garage these are real deal. No excitement but also no worry about expensive repairs or hanging out at the dealer for hours. Plus, if you can do 300K on one $15,000 expense, you can skip buying 2 or 3 more cars saving $30-$45,000.


Trump’s budget guy promises to give Trump facts and cut SS benefits
GOP Mick Mulvaney , R-S.C., Budget, defended cuts to popular entitlement programs that Trump vowed to keep intact and emphasized that he would bring a "fact-based approach" to the role. “Fact-based” is NOT what The Don does. So GOP will take the “facts” of our paying for SS and Medicare benefits and cut them with their ideology. There is no Constitution mandate to cut benefits when our expenses outrun our contributions. Congress pays for cost overruns every day for all their weapons and pet projects. We paid $1.7 Billion for the Denver VA hospital that was approved for $328 million. So when the GOP wants to pay their friends and lobbyists for extra costs/profits, they do not hesitate. We have no lobbyists so it is easy for them to cut the benefits we paid for over a lifetime.

We are entering the Twilight Zone:
"There is a fifth dimension beyond that which is known to man. It is a dimension as vast as space and timeless as infinity. It is the middle ground between light and shadowbetween science and superstition, and it lies between the pit of man's fears and the summit of his knowledge. It is an area which we call the Twilight Zone." 
Rod Serling
  
THE DON’S 282 PROMISES
Deportation, The Wall, Re-Create Jobs, NO Abortion, No ObamaCare, More Guns, No MuslemsReprochmont with RussiaChristian nationJail Clinton, Kill Terrorists and Family, Torture, Cancel Iran dealCancel EU-NATOTerm limits, Replace VA head, Coal Steel InfrastructureEnd drug monopolies, Tax imports esp Ford, Grow 6%, Cut Deficit, Separate banking speculation, Cancel Consumer Protection Act, Change libel law, outlaw flag burningEnd own biz tiesEnd endless tweetsCancel Fiduciary RuleWealthy tax break, No tax income <$50Ktax profits sent overseasChange Washington, Change GOP, Change, Change, It was rigged! … so I would win!


Remember, Don Trump is still a contractor from Queens NY, just richer than most. Most of his income is from lending his wealth “brand” to other’s buildings and golf ranges.

Like mafia family, The Don has never had a boss, no corporate board to question his acts!
 “Trust only family“I'd love to have Jared helping us on deals with other nations and see if we can do peace in the Middle East
Ivanka met with Japan PM Abe already. Sell more bracelets in Tokyo?

The Don keeps  “friends” (the mob) closer than enemies: banks own his future income and Putin could buy up his markers. We worry about conflicts of interest.
He Worries about old TV ratings—“Mine are bigger than Arnies” and Women’s march

The Don decides that any news he can’t manipulate is Fake News
I won’t take your question. Fake news”
His own Obama birther Fake news got him fame and millions of white supporters
His nominee for security quit because she used other people’s work as her own book.
The Don has Priebus and Pence saying “no evidence” necessary on voter fraud claim

Can the republic survive to 2020—half his subjects think the emperor has no clothes?
I don’t care about my company. It doesn’t matter. My kids run it.” No conflict????
All the folders representing his companies were empty—Fake transfer of businesses!
Lies are now called “alternative facts” by Trump’s Press Sec. photos don’t lie.

What is The Don’s thing about his size?
5 million (8%) illegal votes and now wants to spend $500,000 on “proof” even Fox NO



The Don Way:
Making money from the Secret Service and Top Secret info for biz, an Audience with The Don costs you $, FREE govt services and health care, WH site highlights jewelry. NYC spends $500,000 a day to guard his Tower. Don threatens city over immigrants.
All the world's a stage, And all the men and women merely players; They have their exits and their entrances, And one man in his time plays many parts …As You Like It

*
Promises (lies) and Actual outcomes:
Lie #103
Trump tells CIA that they may have the chance to invade Iraq again for the oil
Lie #104
The Wall costs us $14-25 BILLION but does not keep people out. We pay 20% more!

He owes foreign banks and government partners from China to Canada.
Muzzles all agency communication with us; all negative news is Fake news

Trump ends penalty for NOT having insurance—$695 tax enforcement gone
President Trump signed an executive order late Friday giving federal agencies broad powers to unwind regulations created under the Affordable Care Act, which might include enforcement of the penalty for people who fail to carry the health insurance that the law requires of most Americans. Also late Friday, Reince Priebus, Trump’s chief of staff, issued an executive memorandum ordering a freeze on regulations for all government agencies.
Trump stopped the mortgage fee reduction Obama started last week.

The Don’s new 35% tariff on autos will eliminate 31,000 jobs here not Mexico. Counter tariffs by Mexico, China the world will reduce exports cutting another 500,000 jobs here. Bush tried this in 2002 and made steel expensive so can’t afford to make steel stuff here and 200,000 Americans lost jobs. The Don doesn’t read so he missed this study.

Impossible dreams of a megalomaniac—lie #106
“I will never, ever let you down,” he declared. The president told people as he worked on the speech that he was intrigued by John F. Kennedy’s 1961 call for getting a man on the moon by the end of the decade. He rolled out no moonshot initiative today, but Trump did say elliptically that he’s excited “to free the earth from the miseries of disease.”

The Don will cut regulations by 75%. Buy your air and water testing kits now!
Imports will be taxed at the border.
SS Medicare delayed due to Trump freeze on hiring

The Don was there to praise CIA but talked about his “numbers” instead.
WH Spicer says media faked inaugural pics: Trump’s bigger than Obama’s
Fox Krauthammer surprised, calling it a "surreal" event.

Another Lie: All those “Make America Great Again" baseball caps were made in China, Vietnam and Bangladesh. So much for "buy American and hire American."
Trump vision is delusion: Automation will take more jobs in future—no going back.

Another Lie: torture 'absolutely' works: 'we have to fight fire with fire' yet Pompeo, CIA and Mattis, Defense pledged to follow the interrogations law and the army field manual. Experienced interrogators have said befriending captives is more effective than torture.

DallasNews: He is a chronic and unapologetic liar. He doesn’t even realize it.

*
Tolerance is un-American now?
Even Israel accepts Syrians

Pope warns us about elected dictators: "And all Germans vote for Hitler. Hitler didn't steal the power, his people voted for him, and then he destroyed his people.”

Poll: 56% said they believe he is not honest, 53% said he “does not care about average Americans,” and 62% said he is not level-headed. Meanwhile, 68% consider him a “strong” person, and 65% said they believe he is intelligent.

*
Regulators are the only protection against corporations since we can’t sue anymore

Citi caught giving homeowners the runaround on paperwork to keep their homes.
Supremes strike TX voter ID law so now if you are human you can vote. Not Lone Star
ND GOP votes to cancel voter law to control ethics
EPA, NPS, Ag, NIH gagged on providing info on warming and toxins: Revenge killing?

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own
GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.


Police want gun control.
When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

Husband kills wife thinking burglar

Trumpers want police to start buying military weapons against civilians again.


SCAMS: “Illegal voters” claim debunked: 5 Trump family “registered” in 2 states!
            Common item does NOT make them illegal voters. Trump misunderstands voting law--2.75 million people were registered in more than one state but don’t vote twice. Dead people are not removed from registration since they did not ask for “removal.”

Not interested into probe of Russian hacking of our elections. Putin calling shots?

How our government wastes our money
Save Medicare & SS instead of more weapons!
$500,000 on proving there were 5 million illegal votes—Calling Capt Queeg

Where have all the jobs gone?

Which job board sites are best for your job search?

Who owns your account now?

Miracle:
A tornado victim had her bath tub ripped out of her bathroom and she ended up still in her tub in some woods near her home.”

IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alert

Friday, January 20, 2017

Don’t be Trumped by The Don’s ‘economy’ for the rich

Don’t be Trumped by The Don’s ‘economy’
The Don has made a lot of promises that the GOP Congress may not want to keep. The Don's lieutenants are billionaires who know how to make the financial industry work for their best interests not ours. Half of our “representatives” are millionaires and have never had to find a better-paying job, affordable health care or child day care. We taxpayers provide them with the best health care and child care. They don't need the ObamaCare premium tax credit to afford basic coverage. They have never had to fight their insurer to get a needed procedure. They spend over 50% of their time collecting money from the wealthy who pay for their expenses.
They have never had to be protected from the fee-hungry financial services industry. We taxpayers provide them with the best low-fee ($0.29 per $1000) savings and investment plan in the world—the Thrift Savings Plan. Most have tax-advantaged accounts and overseas tax shelters. They don't need the Obama Fiduciary Rule to make sure the industry does not take up to 63% of their total potential retirement fund in fees.
The Congress wants to cut our Social Security and Medicare/Medicaid assistance. There is no Constitutional mandate to cut benefits if the funds we paid in for 30 or 40 years are not enough to cover the increases in our cost of living. They pay cost overruns for all the other programs all the time. The Congress does not rely on these benefits themselves since we pay Congress even after they leave office. They have millions and still get a pension. The Congress may not provide funds to rebuild our bridges, roads and other infrastructures if they waste it on The Wall. The high-paying jobs that we want back may have been made obsolete by technology. It's up to us to prosper despite The Don's 'economy' for the rich.
Put your serious money to work for the future with 201 saving strategies 

Is your advisor following the Fiduciary Rule?
People are surprised to learn that Obama’s initiative to require advisors to give them good advice has become an issue with leader Trump. They did not realize that their advisor was NOT giving them the best advice all this time. They assumed that anyone who is licensed to sell financial products would never violate the trust they placed in the person who has control of their money. They never realized that their advisor is not really working for them but for fee-driven owner. It never occurred to them that their ‘advisor’ could put them in a product from which the owner wins and they lose. It could be a high-priced annuity or fund that cost more than it was worth. They don’t know that many private money managers are losing clients to Vanguard and other low-cost providers because of fees. No one told them that over time they could lose up to 63% of their potential nest egg because their costs were too high. They just assumed that their ‘advisor’ knew about low-cost products and they got the “best” deal that was available. They assume that what their ‘advisor’ and provider take in fees, costs, and commissions are reasonable amounts. You only know after you do research yourself.

What can you do to avoid the tax on a deferred annuity?
You bought a deferred annuity years ago and now you know you will never need the income. But you also know that when this annuity passes to heirs, your deferred taxes will be a huge burden to your family. All the deferred income and gains will be taxable to the heir as straight income IN THEIR TAX BRACKET. You have the right as owner to pay the tax now (low interest rates keep the deferred tax amount low) and let your heirs have your money plus growth tax-FREE. And if you need long-term care, you have cash to buy it.
If you can handle the tax now because gains have been small, you can annuitize the annuity (take monthly income) as the annuitant, pay tax on the gains gradually year after year and invest the income in blue chip stocks like Coke, Verizon, Cisco, Pfizer. At death, the securities pass on a tax-FREE “stepped up” basis. They avoid any gains in the securities. If you bought the annuity for $10,000, you pay tax on the gains if it is now $15,000 and your heirs pay nothing if the $15,000 grows to $50,000 by the time you die.

FREE tax preparation
Advertising to you is how they pay for free credit score and free tax preparation. https://www.creditkarma.com/ needs your eyes to obtain dollars from sellers of financial services and they give you software to file federal and state taxes at no cost. If you need to file a simple return, this is the cheapest way. The IRS has a topic look up so you can find the answer to your question easier than waiting on the telephone for an operator to answer: https://taxmap.ntis.gov/taxmap/ You can do your federal online FREE using commercial sites through the IRS https://www.irs.gov/uac/free-file-do-your-federal-taxes-for-free. These sites charge for a state return. You can also use a local AARP tax aide office: http://www.aarp.org/money/taxes/aarp_taxaide/ AARP does not discriminate by age or income so they can usually take care of most people. Best tip: deduction for IRA contributions and tax credit $2,000 subtracted from tax you owe. Double Your Pleasure. 

Is your advisor putting you in a doomed ETF?
ETF are the new brokerage product of the decade. They are created every month but 100 explode every year. When they do fail, your account may end up in the negative. There is no money-back guarantee. There were more than 20,000 mutual funds and hundreds of exchange-traded funds. For every new ETF idea that gets some marketing power from a fast moving stock, there are others that loose followers. ETFs are the new boiler room of penny stocks. How can you avoid the failures? Stick with the sector mutual funds that have a track record and lower fees than the ETFs. For instance, if you had purchased Vanguard Energy in 2015 as it was falling with falling oil prices, you would now be up 33%. This low-cost mutual fund has been producing 11% a year since 1984 and costs less than many new and old ETFs. Why chance it? Go with growth at a reasonable price!
Vanguard Energy is one of the Vanguard Top Ten: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X
   
Maximize your earnings—cut your advisor fees
Your largest expense you don’t need is your broker/advisor. Most of us do NOT see all the fees we actually pay. Yes, your immediate advisor fee may list a fee but the brokerage statement shows only the fund net earnings per period. The security gross is not shown. It does not show the 1-2% that the fund manager took before your balance was calculated. So you don’t see the gains your money earned BEFORE your manager took their “cut.” That total cost of TWO percent every year you invest for retirement could cut your potential nest egg by 63%. Why? The Miracle of Compounding works in reverse too.
Unless your money manager is able to beat the market and the fees annually—and few have ever done it—you are only hurting yourself. If the fund you are in earned 6% and your costs are 2%, you are credited with the net of 4%. You don’t see the gross earnings first less costs. So compare your last Dec balance to this Dec balance and see how much you actually earned. Divide by last Dec and compare this to your benchmark or the stock market gain of 11.9%. Vanguard cut fees because we investors own Vanguard and as it drains the for-profit fund families, we benefit from ‘buying in bulk’. For instance, Pimco Total Return, once the world’s largest bond fund, lost $3.2 billion in December, bringing last year’s total cash withdrawals to $16.1 billion. Fees are important as this young man told his father. Vanguard takes most investor cash for 5th year again.

                                                Are you earning over 11% a year?
The Vanguard Top Ten earn 11.5% over time:

2016 Total Return             Fund     Long-term Return           Longevity
11.9%              500 Index                    10.9%*            since 1976
33.1%              Energy                         10.9%              since 1984
16.1%              Extended Market         10.7%              since 1987
 -9.0%             Health                          16.4%              since 1984
  1.7%              International Growth   10.0%              since 1981
10.7%              PRIMECAP                 13.4%              since 1984
18.3%              Small Cap Index          10.7%              since 1960
 8.1%               Wellesley Income        9.9%                since 1970
12.5%              Windsor                      11.3%              since 1958
13.4%              Windsor II                   10.7%              since 1985
11.7%                                      Average 11.5%
*Average Annual Returns as of 12/31/16.
Create your own $1 million future without advisor fees that can take 63% of your total:


FREE tax preparation
Advertising to you is how they pay for free credit score and free tax preparation. https://www.creditkarma.com/ needs your eyes to obtain dollars from sellers of financial services and they give you software to file federal and state taxes at no cost. If you need to file a simple return, this is the cheapest way. The IRS has a topic look up so you can find the answer to your question easier than waiting on the telephone for an operator to answer: https://taxmap.ntis.gov/taxmap/ You can do your federal online FREE using commercial sites through the IRS https://www.irs.gov/uac/free-file-do-your-federal-taxes-for-free. These sites charge for a state return. You can also use a local AARP tax aide office: http://www.aarp.org/money/taxes/aarp_taxaide/ AARP does not discriminate by age or income so they can usually take care of most people. Best tip: deduction for IRA contributions and tax credit $2,000 subtracted from tax you owe. Double Your Pleasure. 

How much did your accounts grow in 2016?
What kind of advisor do you have? What kind do you need—tactical, active or relationship? Warren Buffett recommends we use low-cost index funds and let Compounding do the work over time. He does not trade or listen to Wall Street advisors.  
John invested in a low-cost stock market index fund when he got his best job at age 35. He has invested 10% of his income every year. He retired 2 years ago at age 67. His balance was $887,525 which he shifted to a balanced fund earning 9.9% to begin funding his retirement income of 6% a year. During the 32 years, his balance went down 37% but he did not sell. He follows Buffett: "The market is a way to transfer money from the impatient to the patient."
David started investing in the same low-cost stock market index at age 45 and retired at (http://www.moneychimp.com/features/market_cagr.htm) age 67, two years ago. His balance was $557,201 even after investing TWICE the amount--20%--every year. He invested for a shorter time—22 vs 32 years. No broker/advisor has beaten the market that consistently. Let Buffett be your guide. 

What is worse than having no affordable health care?
You paid for insurance to cover your health needs but now you have to wage a battle with a conglomerate with $millions of legal hours and staff to get coverage or be reimbursed. It is not like buying an extended warranty. Each of us needs health care (especially if you have children). Even the GOP recognized the need for universal coverage in 1988. But the insurance lobby killed the bill. “The companies know that when they deny claims,” a critic said, “most people will just give up.” American insurance companies have no incentive to fulfill their end of the bargain. So you must fight for your contract right to be reimbursed or get care and most people can’t. One reason other countries have socialized medicine is because citizens should not have to compete with a company when they are sick and need help.
It is like clean air and water.
It should not be up to some clerk to decide if you get it or not. Medical help should only come from your doctor. But doctors are usually for-profit PCs or LLCs so you can’t count on your doctor for help. As one victim said, “You have to do all the investigating yourself. You have to become conversant in medicine. You have to find the right people to contact. You have to compose your letters in such a way that they can’t be refuted. It takes a lot of time.” Ask for help from https://www.copatient.com/ and  http://werx.org/. Lobbyists own our Congress, executive and judiciary. They don’t have to fight for coverage. We taxpayers give it to them so they don’t understand how their deals to cut coverage affect us.
Marketplace competition is not appropriate for health care. It is like our need for air and water. We can’t live without health and the Declaration says it all: certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. Medicare is an efficient system and should be extended to all Americans in need.


Has your long-term care insurance premium exploded?
MetLife's Florida subdivisions can increase average monthly premiums by $4 to $44 over the next three years, while two Unum units can raise them by $5 to $55, FL Insurance Commissioner David Altmaier said on Thursday. Many people have to drop their coverage because of rate hikes. And there is no refund.

Can you name the 8 people who hold HALF the world’s wealth?
No, The Don is not one of them yet but he and our Congress will be making the great divide even larger. 8 is a notable change from last year, when it took 62 of the superrich to match the assets of the 3.6 billion people in the poorer half of mankind. Some of the 8 are planning on giving away much of their wealth. However, they may change their mind because The Don and the GOP are planning on repealing the estate tax. This means the govt will come after us for the revenue shortfall eventually. Fact: our real incomes have increased by 21% from 1980 to 2014 while the 1%ers incomes increased 194%. Compound interest and tax shelters make their increased wealth almost automatic.
You can use compounding and a FREE legal tax shelter: https://www.amazon.com/Tax-Shelter-Americans/dp/1500426520

Vehicles to avoid in 2017
Problems with electrical systems to audio systems that you can avoid by using this popular car guide: Ford Escape to Audi RS6. 

Prez Trump does own “research” @Infowars.com, breitbart.com/Twittercable TV

When you don’t check your facts, you can be tricked.
Could it be that Russia has been psychologically conditioning him to overlook the past proofs that Russia is NOT our friend? Russia wants the West and NATO out of Europe and their “continent.” Russia knows that The Don really needs to have approval and praise. They have denied him the status of putting his Tower up in Moscow for over 30 years. He has been trying to do a deal there and really needs to show everyone he can still get his Tower up so that ALL can admire him. Now, Putin gives him a little sugar—praise—and he wants more and will do almost anything including distrusting his own sworn patriots to get it.
The Don says:
What if he ignores their assessment of a military move on Ukraine? Or is blind to a Putin move near the Poland border to counter NATO?  
Is The Don blinded by his own fetishism—his obsession to have his Tower in Moscow?



We are entering the Twilight Zone:
"There is a fifth dimension beyond that which is known to man. It is a dimension as vast as space and timeless as infinity. It is the middle ground between light and shadowbetween science and superstition, and it lies between the pit of man's fears and the summit of his knowledge. It is an area which we call the Twilight Zone." 
Rod Serling
  
THE DON’S 282 PROMISES
Deportation, The Wall, Re-Create Jobs, NO Abortion, No ObamaCare, More Guns, No MuslemsReprochmont with RussiaChristian nationJail Clinton, Kill Terrorists and Family, Torture, Cancel Iran dealCancel EU-NATOTerm limits, Replace VA head, Coal Steel InfrastructureEnd drug monopolies, Tax imports esp Ford, Grow 6%, Cut Deficit, Separate banking speculation, Cancel Consumer Protection Act, Change libel law, outlaw flag burningEnd own biz tiesEnd endless tweetsCancel Fiduciary RuleWealthy tax break, No tax income <$50Ktax profits sent overseasChange Washington, Change GOP, Change, Change, It was rigged! … so I would win!


Remember, Don Trump is still a contractor from Queens NY, just richer than most.

Like mafia family, The Don has never had a boss, no corporate board to question his acts!
 “Trust only family“I'd love to have Jared helping us on deals with other nations and see if we can do peace in the Middle East Ivanka met with Japan PM Abe already. Sell bracelets in Tokyo?

The Don keeps  “friends” (the mob) closer than enemies: banks own his future income and Putin could buy up his markers. Worry about conflicts of interest.
Worries about old TV ratings—“Mine are bigger than Arnies”

The Don decides that any news he can’t manipulate is Fake News
I won’t take your question. Fake news”
His own Obama birther Fake news got him fame and millions of white supporters
His nominee for security quit because she used other people’s work as her own book.

Can the republic survive to 2020—half his subjects think the emperor has no clothes?
I don’t care about my company. It doesn’t matter. My kids run it.” No conflict????

The Don Way:
Tweets misinformation all night then criticizes others for fake news
Trump made up fake news RE Obama citizenship and religion for gain 2011-15
Even Trump supporter Fox News chides Trump on CNN blast about neg news
Stiffs his vendors $3 million on Wash. Hotel alone
Is it really possible to ignore your own business interests and do what is best for US?
            Your kids running the day to day does NOT change your conflict of interest
            Why is the secret service protecting his properties around the world?
            Why are his planes maintained by our FAA?
            Why are his trademark and housing disputes handled by own appointees?
            Why are his golf water disputes decided by his EPA appointees?
            Why are the streets around his Tower protected by NYPD and SS day and night?
            Why will his tax return audit get cancelled by his man before completed?
The Don’s lawyer, Sherri Dillon, says that those who believe that Trump's ownership of hotels [patronized by foreign rulers] constitutes a violation of the Constitution’s emoluments clause are "wrong."

*
Promises (lies) and Actual outcomes:


Trump promises universal health coverage—GOP Ryan explains why not “universal”
            Ryan says “universal” access so if you can afford one you can buy one!
            Next day Trump says he did not mean “for everyone”
We’re going to have insurance for everybody,” Trump said. “There was a philosophy in some circles that if you can’t pay for it, you don’t get it. That’s not going to happen with us.” People covered under the law “can expect to have great health care. It will be in a much simplified form. Much less expensive and much better.”


Says he met/never met Putie. Does not remember meeting leader of unFREE world. Lie

Rick says oops, he didn’t mean he would eliminate Energy, his department now. Lie
“We have by far the highest IQ of any Cabinet ever assembled,” Trump lies again.

Comey said he never acknowledges an inquiry but made fake Clinton email inquiry public 11 days before election—Congress to investigate lie.

Treason?
Russia says it never helped The Don get elected but did after he asked them to share Clinton emails. Is this treason when you ask foreign power to intervene in elections?
John Lewis says that he will not acknowledge Trump as legit president. Russia/FBI ties

I’m also very much a germophobe” for story to be true. Really?
What about when you “grab them by the P---Y” and force a Tic Tac kiss on them? https://www.youtube.com/watch?v=8wM248Wo54U

Trump insists he has “nothing to do with Russia.” The past 30 years show otherwise.
            Russia even cut off C-span while hearings on The Don’s lieutenants.

The corporate law firm currently advising Trump on his business conflicts was named "Russia Law Firm of the Year" last year.

We got “low-balled” by Trump on his Great Wall. Instead of Mexico paying for it, now we have to pay FIRST before Mexico since he ‘found’ an existing law that makes it easier. Typical car salesman trick: https://www.meetkevin.com/salesman-lowballing-highballing

Tax cuts don’t make jobs; consumer demand does. Corporations already have tons of money and are NOT creating jobs; they are using the profits to buy back their own shares from the market. This increases the share value for CEO and upper management. They are not using own funds or low-cost bank loans to create jobs or build anything. Buybacks are at all time high.

The Don’s Treasurer Mnuchin says he forgot to disclose $100 million in assets and offshore accounts

Look at how KS has cut taxes and are now bankrupt with few new jobs to show. They have to raise taxes on smokes, booze and business owners and cut road projects, child education and give up the revenue from tobacco settlement.

Carrier will automate those 1,000 jobs Trump says he saved so fewer people needed in the future. It was actually 800 jobs that will be left until next year after the PR.


Watch first 100 days:
Cut affordable health care, medicare, Medicaid, SS age/benefits, regulations,
Oil and gas and coal expansion and pollution,
Wall Street increases speculation,
cut IRS HNW audits--wealthy send more wealth to tax shelters,
end of Russian sanctions for hacking and invading Crimea, Ukraine
China not happy about slaps in TX but celebrates,
more squeezing genitals: "I love this new world, I no longer have to be politically correct" 
Press kicked out of WH “They are the enemy” and they stay out till more positive news on The Don.
Suing The Don does not work

*
Tolerance is un-American now?
ISIS wants US to hate Muslims so more young Muslims will join ISIS

*
Regulators are the only protection against corporations since we can’t sue anymore

Secret Service caught promoting whites over blacks for 8 years documented
Ameritas Investment caught improperly selling securities to fund annuity purchase
Fake adverts have a life of their own. Bid sites caught but not eliminated
Supremes decide which “word” you hear when using credit card or cash
Farmers caught fixing price of milk again in some states—your refund awaits.
CA sushi restaurants caught giving you ____ instead of sushi but at sushi price.
TX Teacher caught having sex with student and gets 10-30 years in prison
Morgan Stanley caught charging clients more fees and blamed computers
JPMorgan Chase caught paying women less than men over 5 years same work.
JPMorgan Chase caught charging blacks/Hispanics more than whites for mortgages
Navient caught cheating students on their loans requiring higher payments.
We were caught raising Earth’s temp for 3rd year in row and The Don says just a “hoax”
Western Union caught laundering money for criminal scammers, etc

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own
GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.

America’s new prosecutor now says what Trump did was a crime—didn’t know before.
On sexual assault: Sessions was asked whether “grabbing a woman by her genitals without consent” constitutes sexual assault. In the context of the 2005 “Access Hollywood” video, he said during the campaign that he didn’t know. Now he says, “Clearly it would be.”
Obama’s prosecutor has not arrested Trump. Now Trump is above the law—can grab all the women in the WH!

Police want gun control.
When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

CA police shoot blind man with no weapon then ask questions

Trumpers want police to start buying military weapons against civilians again.


SCAMS:
Pretty people tend to be GOP and less pretty tend to be Dems—some nerd’s study.
Lady on Deal Dash did NOT pay $30 for TV—bought $450 worth bid packets first.

Ignoramus Award:
KS destroyed thousands of votes: “computer glitch” that seems to be in GOP states
CO GOP runs away from his voters who want answers about their health care plans

How our government wastes our money—Save Medicare & SS instead of more weapons!
New war machines LCS have cost overruns of $500 million each and HALF don’t work so why would Trump want to pay more for a ‘bad’ deal?  

Where have all the jobs gone? The game is to announce now; later who knows?
Amazon 100,000 in mostly warehouse packers and already planned before The Don
Macy’s fired $1 million exec so it can hire back 10,000 real workers?
Wal-Mart 10,000 jobs at 59 stores but cut 1,000 at corporate
GM says keeping 7,000 jobs to get Trump from criticism.
Which job board sites are best for your job search?

Who owns your account now?

Miracle:
53% of white women voted for Trump—“get past the remarks”

IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alerts