Your tax refund: The PAINLESS way to create tax-FREE wealth
The average refund—fed and state—is about $3,000. How long
would it take your INVESTED refunds to reach $500,000? 50 years, 40, 30 or 20
years? It takes 1 hour to start a $1/2 million fund. You do it with a fully-licensed
telephone rep not an advisor/broker. The fees can take 63% of your
accumulations over time. Do it yourself and get to $1/2
million in about 27 years. You invest in America ’s
best companies earning 11% on average long-term. And a new study by McKinsey
found that companies taking a long-term view outperform all others. A money
manager gets a bonus for short-term results. It’s your money; you keep your
bonus.
Create tax-FREE wealth painlessly: http://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X
GOP plans to replace ObamaCare with 1970s system
Ryan met with his group (which has free comprehensive insurance
paid by us) to plan to replace ObamaCare with an outline of a plan. It would
revamp Medicaid, offer tax deductions for doctors' bills, and state block
grants for state pools to assist some individuals in buying individual insurance.
We had this structure in the 1970s. If you are poor you will obtain care from
clinics/hospitals run by the county/state. If you work and get coverage at
work, there are no coverage standards—your coverage may be limited and be
capped. If you must shop for your own care and can find a policy you will pay
higher rates without government help unless your doctor bills exceed a
threshold and you itemize your tax deductions. GOP
likes health-savings accounts where you pay more using pre-tax money. If
you are too sick you will be assigned an insurer by the state which will take
state money but may provide substandard coverage from novice
doctors. States will receive a Fed block grant like the
1970s and can use the money for roads not care. There is no standard. For
instance, in NJ under Medicaid, doctors who take NJ FamilyCare receive only
$15 per visit. Young healthy people will avoid insurance and visit a
hospital when sick. Universal coverage mandate and caps are gone and costs
vary.
Our Reps have great coverage for free. They
never had to experience 1970s style no-care. Millions had to sit in
hospitals for days for care; some were sick and never had coverage they could
afford. GOP promises ‘access’: most can not AFFORD
coverage.
FREE tax preparation
Advertising to you is how they pay for free credit score and
“free” tax prep
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.
Take your Tax Credits like The Don: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382
Why is your advisor recommending ETFs (index funds)?
Is your financial salesperson charging you to use exchange
traded funds? ETFs are index mutual funds that can be bought and sold anytime
like stocks. However, they are index funds. Real index funds are meant for
long-term gains not short-term trading. If you trade them, moving from one
sector to another trying to catch the wave crest, you will lose. If you trade
Alt or Liquid Alts, read
SEC. According to the annual investor questionnaire results, the average
return for managed accounts is just 3.79%
compared with the index of 11.06%. My friends who have a low-cost stock
market index have added
26% to their nest egg over the last year. Perhaps your sales person is like
this “advisor”: https://www.youtube.com/watch?v=e_Ql_7NCk0o
You could be using Warren Buffett as your advisor: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963
TrumpCare: a return to the original GOP plan
Universal mandate, no lifetime cap, no pre-existing
condition ban, cost negotiation from strength. These were all part of the
Heritage Foundation plan when introduced in 1993.
Republican Sen. John Chafee of Rhode
Island was the point man. The bill he introduced, Health
Equity and Access Reform Today, had a list of 20 co-sponsors that was
a who’s who of Republican leadership. There was Minority Leader Bob Dole, R-
Kan., Sens. Orrin Hatch, R-Utah, Charles Grassley, R-Iowa, Richard Lugar,
R-Ind., and many others. There also were two Democratic co-sponsors. The Chafee
bill included: an individual mandate; Creation of purchasing pools; Standardized
benefits; Vouchers for the poor to buy insurance; A ban on denying coverage
based on a pre-existing condition. It did not expand Medicaid as Obamacare
does, and it did have medical malpractice tort reform, which the current law
does not.
Trump could tweak what we have and be a hero. Will
GOP let him?
How to invest in retirement
Where do you invest if you are retired? If you are over age
70 you must take mandatory withdrawals from your IRAs because you got a
deduction when you were contributing to you 401k and personal IRA accounts. If
you are receiving a pension and Social Security you may have extra funds
because you or your spouse is still working. First if one of you is under age
70, you can still make regular IRA contributions. It can be deducted if your
AGI is under the income limit. This is a spousal IRA. You can put in $6500. You
can make Roth IRA
contributions at any age but there are income limits. There are no
deductions now but every dollar earned is tax free in the future. You can also convert all or part of
your IRA or rollover IRA to a Roth IRA as long as you pay the tax on the
untaxed portion. This allows the rich to avoid the Roth income limits by
putting the money in a regular IRA and then converting. This is a great
retirement tool as all the gains are tax free and heirs benefit too. Retirement
can last 30 yeas or more: invest.
Why aren’t those great jobs coming back? Trump has answer
When he tore down the historic Bonwit Teller to build his
Tower, The Don contacted a construction middleman to hire
Polish immigrants and aliens. They were not union and didn’t speak English.
They were paid less than half the union wage and some were cheated out of their
pay. The Don denies knowing anything. Today, Chris
Wade has been displaced by non union
workers. His job was assembling cables and electronics for $30 an hour at
Delphi Automotive in Warren , Ohio Delphi
plant in Juárez , Mexico
The Don did what Delphi does and yet the
“worker savior” promises to tell firms like Delphi how to
run their business. The Don has claimed that he saved hundreds of jobs and yet
we all know those jobs can’t be saved. The Don can shame companies to move jobs
around or delay moving but we all know it is just a promoter making his image
stronger. Companies with unfilled jobs say no
qualified workers, need immigrants.
Don’t be Trumped by The Don’s false promises: https://www.amazon.com/Dont-Trumped-Dons-economy-strategies/dp/1542615143
The Don lets polluters dump coal sludge in rivers—use only
bottled water
Only two months after the clean river regulation, Trump
dumped it so that Big coal can get rid of waste quickly and FREE. Lobbyists
and Congress cancelled the reg because it was not even in force yet. Easy and
quick victory for McConnell and Paul’s funders. The rules were difficult to
write and took too long. Now the people who live in the aquifer of these mines
will suffer over time. State regs are not difficult to avoid. Each family will
need to test
their water weekly so they can keep their jobs and stay alive. New mining
methods blow up mountains for coal so owners must dump the remains. Valleys
with streams are the preferred way and owners do not live there—only the little
people.
Do you drive under 5000 miles a year? Save $500 a year
In some states, you can pay per mile for your full coverage.
You need to establish you are a safe driver and be willing to put a mileage
meter in your car. One insurer MetroMile
that offered me a policy for 2 5-year-old cars in NJ charged me $760 a year
with $500 deductible on collision and comprehensive. That beats my $1020 cost
at GEICO. I have to get the car inspected locally. Metro operates in California ,
Illinois , New
Jersey , Oregon ,
Pennsylvania , Virginia
and Washington . National General
is the ultimate insurer with excellent financial ratings but with poor customer
services ratings on Google.
Ask for your discounts: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634
The Don plans to cut programs you use everyday to fund war
If you visit a museum or support young people serving the
needy or listen to NPR or need inexpensive legal services or support drug
use elimination in your town, you will see these programs
eliminated in the coming year under a GOP budget. If you work at a war
materials factory you will see expansion of your hours. In addition, Trump’s
team favors cuts in small but high profile programs to support his propaganda
strategy of America First. His
hats and Ivanka’s line are made in China etc. Meanwhile, Trump’s lifestyle
expenses have already exceeded Obama’s expenses for the year with trips to his
club every weekend while his wife sits in the NY Tower costing us $500,000 a
day. We are also covering his sons’ visits to promote his properties in Uruguay
and Dubai as
well as Trump properties around the world. Trump is cutting our programs while
increasing programs for his own benefit at tax payer’s expense. Trump
raises tax for some.
Avoid the taxes to pay for them: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976
The Don’s proposed tax cuts for the rich are wasted.
“Three-quarters of the tax cuts would benefit the top 1
percent of taxpayers” The
middle fifth of incomes would get a 0.5 percent tax cut, worth about $260.
Most economist say his tax cut will increase deficits and like
Kansas, our taxes will go up to pay for them in the future. KS cut taxes to
the rich in 2012 to stimulate growth. It did not work. KS budget is short
$1 billion after cutting schools, roads, etc and raising taxes on smokes and
alcohol. New income taxes on workers passed. Growth is created by demand
from higher disposable income from the majority of Americans. The estimated
$260 tax cut will go to pay a new 20% import tax on cars, parts etc from Mexico .
Other proposals like allowing immediate depreciation
could set heavily leveraged industries like farming, finance and real estate
(Trump’s businesses) against those that invest in equipment that loses value over
time, like manufacturers. More manufacturers would seek relief by going
abroad.
Is your vehicle on the list of most dependable?
JDPower.com study finds that the 10
top-selling models from the 2014 model year average 134 PP100—significantly
lower than the industry average of 156 PP100. Two perennial best-selling
models—the Ford F-150
pickup truck and the Toyota
Camry sedan—also lead their vehicle segments in the 2017 VDS. Jeep
and Fiat hold down the lowest ratings. Owners are asked about problems of
any type after using their vehicles for years.
Ask 3 insurers for quotes every 2 years to save: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634
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 shadow, between
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" where “alternative
facts” and illusions of conspiracies are lived out. Lies are considered
truth.
Rod Serling
Remember, Don Trump
is still a contractor from Queens NY, just richer than most. As a
promoter, his income is from lending
his wealth “brand” to other’s buildings and golf. The Don does not like to
read so policy
is 1 page of MAPS—he likes maps and TV. He conducts secret state business
in front of the wealthy, letting
them play with the nuclear “football” that can kill Earth. Richard
DeAgazio might be Russian spy who switched nuclear briefcase on Rick during
photo op. Creates
fear to control base. Tweets
all night.
Real
Donald Trump called for lock-step marching by all and remember your brown
shirts. When ideology “discards
and chops off” the facts and calls world normal.
Conservatives
jump into anarchy: “the deconstruction of the administrative state.”
Trump
legacy: “get out of my country” supporter kills restaurant patron in
KS.
*
Promises (lies) and
Actual outcomes:
If Fox
fake news says N.Korea fires missile, will Trump start nuclear war III?
The Don blames
Fox for fake news about Sweden terrorist that never happened.
The Don’s lawyer
has plan to give
Ukraine to Putin—payback for election help? What is Putin’s
game with Trump? Putin asked “what
do I do now” after election won.
The
Don tells FBI what to say about Russia—Comey already gave him election
victory.
The Don’s claim
to save $1 billion on Air Force One is B.S. says Air Force.
The Don places the media in the “enemy”
category with terrorists and ISIS
Paranoia strikes deep:
Fear of failure creates alt universe; mistakes denied
reality ignored.
"Any negative polls are fake news." Mad
Dog says media is NOT enemy; its constituency. How else would we know what
the Dictator does?
Kasich: “media
is important part of democracy.”
“a
terrorist attack in Sweden” stirs up fear using Fox
fake
news—no attack in Sweden
just like no
attack in Bowling Green KY. 90 real sources confirm ‘no’ Don,
use web.
“suppression of an "adversarial" press can lead
to a dictatorial regime”--McCain
"Those who do not learn history are doomed to repeat
it."
The Don is raising
money for 2020 with campaign rally in FL. Stir base.
Putin orders Trump Psychological
Dossier : Trump was there. I
want a copy
The Don lies: blames press, Hillary,
press, Dems, Americans for ‘fine
tuned’ WH
General declines replace Flynn bec propagandist Bannon on
Natl Sec Council.
‘I
Inherited a Mess,’ “Russia is a ruse,” “The
public doesn’t believe you people anymore.” “Are you a friendly
reporter?” “See He lied” Don’s delusional response.
The Don invites his club
guests to watch him while he does government business.
“You may wanna come around. It’ll be fun. We’re
really working tomorrow. We have meetings every 15, 20 minutes with different
people that will form our government."
Finally bringing comprehensive health care to the neediest
was right on time.
The Don removed the Obama-era policies on climate
and water pollution. He will rewrite 2015 regulation that limits
greenhouse-gas emissions from existing electric utilities. He will restart the
coal mining in federal lands. He will remove the 1972 Clean Water Act the keeps
all waterways clean and allows farmers to pollute with fertilizer and
pesticides.
Jared,
real estate and Ivanka, clothes oversee words on climate deal. Experts on
climate?
The Don has cut red tape for lobbyists—new language doubles
the army who tell our Reps what their companies want done. We are losers. 31,000
lobbyist write our laws.
Why did Trump voters vote
to end the only health care they could get?
Underground railroad forms to counter military deportation
tactics
*
Regulators are the only protection against
corporations since we
can’t sue anymore
“It is nearly
impossible for one individual to take on a corporation with vast resources.”
Supremes
stop us from suing—State courts no
longer available to sue corporations!
Some Volkswagen owners say they’re still waiting for their buybacks, 4 months late.
Feds cannot stop hackers from demanding ransom
for your PC—protect yourself now.
IRS caught not
telling us our SS number used by illegals so our SS benefit at risk.
Red River Sec,
Hardwick and Lawson Financial caught fraudulent selling securities.
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?
MO allows anyone to conceal
gun anywhere without permit or training Wild West?
MD
court denies assault rifle protected under 2nd Amen. “weapons of
war" not covered.
Police organization issued a formal
apology for the historic mistreatment of minorities.
Police to buy
military weapons against civilians again.
SCAMS:
Voter
ID laws do what GOP intended: keep Dems out of voter booth.
IRS does not call or email you. Scammers
DO call and threaten.
Doll
that spys on your family for hackers overseas. Your Jeep
is next
Ignoramus Award:
deport 11 million working people?
Remember Ivana
Trump’s insight: “Who’s
going to vacuum our living rooms…”
How our government
wastes our money:
It will cost us at
least $600,000,000,000 to send 11 million illegal immigrants home and another $1.6
Trillion from lost income tax revenue since they are not working anymore.
If the National
Guard is used that will cost even more. All the low-pay jobs they do will
require more pay for poor Americans so we will spend another $2.2 Trillion on
higher prices for many things we buy. Rich people will get their
housekeepers/nannies exempt by Trump.
Where have all the
jobs gone?
Immigrants are present in construction, gardening,
agriculture, fast food etc. all low pay jobs that few others want.
CSX Corp will cut 1,000 management employees. Productivity
and automation blamed.
JC
Penny cut 6,000 from 140 stores.
Which job board sites are best
for your job search?
Who owns your
account now?
Vanguard’s 60,000 millionaire account holders get served in
offices by “crew” for less.
Miracle:
Jefferson’s
slave-wife Sally finally given back her place in her adjoining bedroom
IAN
41 Watchung Plaza, B242
973.746.2014
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