Your Unbiased Advisor: Are you the victim of Wall Street hype?

Are you the victim of Wall Street Sales Hype?

Many investors give up 30-63% of their total investment potential over time.

We are mislead about performance, fees and special product benefits we are promised. We fall for the tricks like “this strategy can’t miss” and “rare once-in-a-lifetime opportunity to become incredibly rich.” We believe that these securities can make us rich. FACTS: The average investor earns only 3.79% over time. We believe in all types of sales hype. Our advisor convinces us that the research they do will assure us of enough for our kid’s college and guaranteed retirement income “we cannot outlive.” It is time to hear the other side of the story—from one who helped produce your advisor’s favorite marketing tricks and hype. Wall Street has us chasing fewer good deals because more investors are finding the alternative that lets them keep more.

You don’t have to give up 63% to succeed: https://www.amazon.com/Sales-Hype/ dp/1548534382

GOP to ‘fix’ ObamaCare so we can pay more for their tax cut

McConnell says GOP will fix ACA markets when TrumpCare fails. DEMs still don’t shout the Medicare for All answer. What are they waiting for? This is the time. GOP can’t stop arguing about how extreme they must be to be a ‘conservative’ and very few conservatives are in Congress. DEMs will never hold House again unless they speak to working people who have to keep a job, pay rent and health care. DEM need to sell the facts so bogus ObamaCare criticism is countered. New bill allows junk insurance coverage that will bankrupt working families. Health is the issue for 2018: Goal is to unseat the House extremists who want to kick 37 million off subsidies. Facts: A single payer system costs $32 T but the current system costs $49 T so we’d be saving $17 trillion according to GOP numbers. Conservatives always say they want to curb government programs but look at the record. They have supported every corporate tax trick, loophole, subsidy, military cost overruns, and bad foreign military expeditions since 2000. One GOP even made a commercial for his state’s defense contractors at sacred Dachau gas chamber. Before ObamaCare tried to cover all citizens, Congress got FREE Cadillac coverage. They can afford to buy anything on our dime. New GOP budget creates $720 billion deficit, even after canceling 37 million people’s health care. We get $40 from his tax cuts to cover the $3,000 lost in ObamaCare repeal. McConnell is bribing one Senator into voting FOR the new bill which still cuts 37 million from care.

Equality starts with our health care. https://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

This is why you pay too much for your advisor

One Morgan Stanley advisor has $1.5 MILLION in his pay packet. That was just one employee for one year. Now you know why your fees are too high. Morgan does not like that this guy left soon after but that is what advisors do—make a killing and show the next firm you are a hero. They assume their rich clients will follow to the new digs and you pay. Your costs include the underlying investment, the advisor and firm costs as well as any trading costs or losses. Total costs: 2-3% every year even if you lose. Plus, compounding will magnify that 2-3% into giving up 63% of your total accumulation over your lifetime. Some people think their advisor does not charge. The costs are hidden inside the product they buy and over time, the costs can leave you with little gain. You just don’t see it every year in BIG bold print. Firms invented the fine print.

Avoid all investment taxes and fees: https://www.amazon.com/Millionaire-Mutual-Funds-Save-taxes/dp/1534939490

Is a robo-advisor good for you?

The problem with paid advisors is that 95% of them are wrong most of the time. Even if you pay for the ones at the top of the heap—Goldman Sachs’ funds—you lose. Investors have pulled $27 Billions from that ship as it goes down. A plain market index fund beat 92-95% of the returns of the so-called “professional” managers so why pay someone to lose money for you? You can do that yourself. Robo charge less for less. They do not have a crystal ball either. The only certain thing is that large businesses around the world earn investors 10-12% a year on average AND the financial industry has margins of 29%.

If you need a $150 planner to help you answer your financial questions, pay an hourly fee like a lawyer. That is a lot cheaper than 1-3% a year. Over time that will cost you 63% of your potential wealth--$150,000 or more. Drip drip drip you get less when you pay.

Or get the BEST ‘robo’ available: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Is a balanced mutual fund for you?

Investors have many times the number of funds and ETFs than individual securities to choose from. What combination of stocks and bonds is best for you? Before you take your advisor’s word for it, check what the competition charges. First, a balanced fund like Target Date funds can keep 90% stocks depending on your age. The idea is it moves you to 50-50 by the time you retire. Make sure you are paying under 0.20% in fees annually so you can gain at least 10% now and 6% in retirement (since 2003). You can create a custom built balanced fund by picking the ratio of stock/bond to suit yourself. Some of our clients have provided us with their choices from long experience. This group we call the Vanguard Top Ten because the ten funds provided 11.5% on average since the 1980s. You can overweight funds you think will shine in the future like Energy or Health or you can go 50-50 in Wellesley Income. Currently, the 10 have provided 8.8% year to date as of June 30, 2017. Check you account. These might be your 10 funds for your entire life depending on how you want to weight them.

See how they work for you: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Is the Republican Party going down with Trump for aiding and abetting the enemy?

Since Ryan and McConnell and friends seem to be backing a President that has no respect for the law or the Office by willfully engaging with a foreign power to undermine our democracy, can Americans support what the GOP has become?

If Trump were Clinton or Bernie Sanders and did the colluding with Russia during the campaign and when in Office as president, bowing and kissing the ring of Putin, head of KGB, would Washington NOT be burning them in effigy and holding a trial right now?

I can see it happening. The Koch network would be pouring $ millions into negative ads about corrupt Hillary and pinko Bernie and the ‘hated’ liberals and communists.

The Russians are out to destroy our democracy by undermining our faith in our way of life and institutions and GOP doesn’t say a thing. Trump is the enabler; the co-conspirator to bring our values down to their level—a totalitarian dictatorship.

Proof: Trumpers have all lawyered up. They know they did wrong many ways.

Trump on law: “I could shoot someone and not lose votes.” Businessmen don’t go to jail.

Trump on power: “I alone can fix it.” He does not need representative government.

Trump on accountability: Press is “the enemy of the American people.”

Trump on ethics: I “grab them by the p***y.” Assault is a crime for us.

Trump on religion: Has a bunch of ministers pray on him for his crimes. No confession.

Trump on truth: “Obama had my "wires tapped". FBI “has no evidence.”

Trump on reality: I've 'done more in five months than practically any president in history'

Trump on Office: 'The president can't have a conflict of interest'

“I could run my business perfectly and then run the country perfectly.”

Is the all electric Model 3 for you?

Tesla has 370,000 pending reservations for a Model 3 at $35K. Are you willing to work out the kinks? Maybe it is better to get the second year version. How are you going to charge it? You need a special plug in your garage. It may not go 200 miles as promised. There aren’t many details so, like most expensive things, you have to do more due diligence. It seems priced right but there are few options up front. Tesla has no dealers so it will be tedious to get help. You may get $7,500 tax credit so read the fine print.

On the other hand, these 10 cars/trucks people love so much they don’t trade them.

People keep Porsches for a long time. Here are 9 more that hold value and keep you coming back for more. After you test drive these 10 you will understand what it is all about for car executives and enthusiasts. Most are not cheap so consider a 3 year old thoroughbred instead. Whatever your transport need, these are the keepers.

Shop for insurance and save: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

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TrumpWorld

Goal: Everyone knows the Trump brand around the world

You and I pay for Trump kids’ security and travel around the world

Trump boasts of highest TV ratings since ‘the World Trade Center came down’

‘Trump’ brand is all he cares about—it is all he knows. Trump vs America brand

Trump’s business success is mostly myth he created in real media

We can’t stop watching his “apprenticeship for president” show EVERY DAY!

‘I could shoot someone on 5^th avenue and not lose voters’

Two

Americas

: 1% receive 21% of all income

Trump is still just a mafia contractor from Queens—Fred taught him to be The Don.

Like mob boss, he asks Comey to let Flynn probe go, then asks for loyalty, then fires him, then threatens him. https://twitter.com/realDonaldTrump/status/863007411132649473

His threat of tapes was BS just like all his tweets—no wiretap, no fraud voter! Erased?

Trump group places mob ties above country; it’s about money and power not US service.

Jr. promised damaging information about Hillary by Russian lawyer for deal COLLUDE

Receiving stuff from ‘foreign power’ during campaign is illegal—even for idiots.

Mobsters don’t call the FBI when doing an illegal deal with fellow mobsters.

Trump’s FBI guy promises he won’t give his employer a free pass. He got Christie off.

Sanctions for Putin invasion Ukraine cut by oil lobby: Putin invasions OK with US.

House GOP gives Russia pass on new sanctions OKed by Senate—aiding and abetting

Immigrants do NOT commit more crimes than our citizens—ICE director Homan

Vatican calls Bannon out on his extremism--“not too far apart” from Islamist extremism

Trump uses ministers to try to reach God for help with his crimes.

Trump takes the bait: Putin gives him BS and he swallows it. Believes cyber denials.

Putin’s hackers now into our nuclear and utilities. Trump denies NSA proof.

Former Bush lawyer said what happened “This borders on treason, if it is not itself treason.”

‘Great negotiator’ Trump offering to work with Putin on “cybersecurity unit” fox&hens Trump more concerned about ‘fake’ American votes than real Putin voting attacks. Why?

Colorado Voters Are Canceling Their Registrations After Trump Request For Voter Data

The Wall will not be completed because not needed, Trump fix old one.

Trump now for the Iran nuclear deal he promised to kill.

Theory: Trump got Russian funding for business so OK to help ‘lost cause’ campaign.

TrumpWorld – using presidency to make money the old fashioned way: theft

Ivanka and Jared building their brands while the king rules. Adopting Russians really?

Ivanka being used by The Don to soften up world leaders but was she elected?

His hotels “double” on customer credit cards—“Russia [hackers] hope you get emails.”

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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!

Banks barred from using arbitration clauses to prevent us from joining together to sue.

Honda recalls 1 million 2013-17 engines catch on fire

Fiat Dodge recalls 1.34 million airbag deploy anytime.

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.

Education DeVos and staff dismiss most school rapes as drunks. No ‘hard’ evidence.

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?

Police shoot 2 support dogs responding to intruders, owner vid shows: no “fear for life”

Police punch/attack black girl: 3 cops say “looks like” bald man with machete. Training?

Police stop black lady for stolen car. “checked plates on all cars”? Oh, the state attorney.

SCAMS:

The world's largest asset manager BlackRock cuts fees? Vanguard leading again.

Endless fires burn thousands of acres; Antarctica breaking up: beginning of the end?

Ignoramus Award:

Some idiot awarded Hannity the William F. Buckley Jr. Award for Media Excellence signaling the decline of the conservative movement.

Most GOP (58%) say colleges and universities have a negative effect on the country.

How our government wastes our money:

GOP don’t hold meetings with voters anymore to avoid “screaming.” Democracy?

We pay good money for prosecutors but the wealthy and corporations still go free.