Friday, March 30, 2018

Add $1,000 to your refund before April 17


Up your refund by $1,000 before April 17
3 weeks to tax due. If you find you owe tax instead of hitting the refund button this year, you may still be able to claim your refund. You can reduce your 2017 income and receive a tax credit. Credits reduce your taxes dollar for dollar. In effect, IRS code can help you reduce taxes like The Don AND save for retirement at the same time. On line 32, Form 1040 or line 17, Form 1040a, you can enter up to $5,500 ($6,500 over age 50) as IRA contribution to reduce your income. If you meet the qualification, a credit will show up on Line 51, Form 1040 or Line 34, 1040a. You subtract this credit from your tax. EG: Income $66,000: tax refund is $3,335, without IRA contribution. With the contribution, the refund is $4,392 or $5,553 if you both make the contribution. Credit against tax is $400. IRS checks your IRA. Use: irs.gov/app/freeFile/jsp/index.jsp
For help with complicated returns: https://irs.treasury.gov/rpo/rpo.jsf

Transfer other people's investment values to you
            “The stock market is a device for transferring money from the impatient to the patient.”     Warren Buffett
Your choice: You and your advisor can try to outsmart the market with millions of traders and likely earn 3.79% a year or let their money flow to you over time and earn 11%. The analysis of real investors showed that the average advisor- investor earned just 3.79% a year while the stock market earned 11.06% over the last 30 years. DALBAR’s
You can earn 11% by NOT letting advisors touch your money. 95% of active traders do NOT beat the market over time. The leading cause of bad returns is costs. Morningstar the rating firm found: “In every single time period and data point tested, low-cost funds beat high-cost funds.” Warren Buffett, one of the greatest investors of all time, has given us his formula. We must leave our assets alone. Riches come to those who do nothing but wait. All the things that our Wall Street advisor tells us to do are wrong. Buffett says growth comes from compound interest not trading, timing, or hedging.


The Trump Tax Shelter
Clearly the Trump tax plan helps businesses and the wealthy. Trump even cut the Pease limits. The Pease limitation capped the value of itemized deductions for wealthy taxpayers. There is no reason why you cannot benefit from the tax code too. Using § 408 of the IRS code, you can create an unlimited account and never pay taxes on earnings. It eliminates taxes when taken out for your needs and can pass to your heirs tax FREE. No matter what your income this helps you avoid future taxes to pay off the national debt. All of the 2018 individual tax breaks are repealed in 2026 to pay for the permanent business tax cuts. Avoid paying for their windfall—35-21% tax rate. Corporations provide only 1% of our revenue now. 20 TRILLION dollar deficits mean each taxpayer owes over $160,000. Avoid getting stuck making up their share. 

Wall Street is taking $500 BILLION+ from our accounts
All the things that our Wall Street advisor tells us to do is wrong
Set up your asset account and let it grow by itself. Don’t trade, time, hedge, etc.
Fidelity analyzed its most successful accounts. Results:
Either the client was dead or forgot about their account.
Warren Buffett has confirmed the same success factor. He says:
“The stock market is a device for transferring money from the                            impatient to the patient.”
“We continue to make more money when snoring than when active.”
The DALBAR study:
The average advisor investor earned just 3.79% a year while the stock market earned 11.06% over the last 30 years.     DALBAR’s QAIB
Morningstar the rating firm found:
In every single time period and data point tested,
low-cost funds beat high-cost funds.”

GOP defied The Don last month and gave more money to SS for backlog
Congress made a downpayment on a badly needed fix for the customer-service crisis plaguing Social Security. Lawmakers ignored the Trump administration’s request to hold the SSA budget flat, instead boosting the agency’s administrative budget by $480 million. Demand for SSA services is rising as the nation ages, with about 1 million new claimants coming on board each year. But budget cuts have forced sharp reductions in staffing and other resources that have damaged the agency’s ability to provide effective, timely public service. Long lines form daily outside many local field offices. Our local office was closed 5 years ago. And the backlog of people waiting for a hearing on claims is more than 600 days. Apply online: https://secure.ssa.gov/iClaim/rib


IRS free filing sites avoid $300+ cost of filing taxes
Commercial tax prep sites offer expensive loans as advances on your refund but you can keep your whole refund using the IRS free filing partners. Refunds can be in your account within 2-3 weeks. Remember: IRS does NOT call you. The average refund is over $3,000. Check if you have a refund for a previous year—there is over $1 billion from 2014 alone. https://www.efile.com/unclaimed-irs-tax-refund-checks-and-bank-deposits/. Need previous year return (transcript): https://www.irs.gov/individuals/get-transcript. Check your refund: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp.
You can create a tax-free retirement fund of $500,000 with that amount each year. If you need free tax preparer service for your 1040, use AARP Tax Aides near you. Bring last year’s return and ID: https://www.aarp.org/money/taxes/aarp_taxaide/. If you have a simple return: FreeTaxUSA or FreeFile: https://apps.irs.gov/app/freeFile/jsp/index.jsp.
Use your refund to fund your tax-FREE IRS approved account: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

Is holding life insurance for estate tax right for you?
Each family needs to consider whether their specific circumstances warrant holding this asset to pay for estate taxes? Will there be an estate tax in the future? The federal tax exemption was doubled to $11.2 million (double if couples plan) but only through 2025. If you will not be liable, the reason to pay for this asset is gone. Life insurance is usually a bad investment. So if you don’t need a contract to pay the federal or state estate tax, there are better investments. Your policy will show the guaranteed cash value (and additions) at age 85 and 90, so compare these values to a balanced fund accumulation for the same period at the same premium/contribution level. Try 6%, 7% and 8% rate in this:  http://www.moneychimp.com/calculator/compound_interest_calculator.htm. If you pay $3,000 a year, enter that. If you are age 70, enter 20 years. Compare $132,000 to age 90 values in the contract. If you have held the contract for a long time, cashing it in will cost income taxes on the gains like any asset. You should contact the carrier or agent for options like loans, paid-up coverage or conversion to an annuity. Finally, you may want to obtain ‘life settlement’ quotes. Investors will pay you cash in order to collect on your death. Beware: that creates a tax bill too. Ask Hunt:
http://www.evaluatelifeinsurance.org/.

Health insurance premiums to rise—existing conditions to cost more each year
The new U.S. Department of Labor proposal would allow the “short-term” health insurance market to go from offering 90-day “skinny” policies to 364-day policies, while being able to increase premium prices based on age and even deny coverage to those with pre-existing conditions like cancer, diabetes and asthma. “We could see premiums for 50-64 year olds cost five- or even 10 times what younger people pay.” AARP contends premium increases could hit the $4,000 mark or higher annually for 60-year-olds who buy a silver plan in the Affordable Care Act marketplace if the short-term marketplace is allowed to expand. Trump has pushed for these age/illness rated policies after cutting the subsidy that allowed millions more to be covered. He has encouraged the young healthy group to cut their coverage. Buy affordable catastrophic coverage or remain in your employer plan: https://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Is a laddered CD plan right for you?
When CD rates are rising as they are expected to do in the coming year, what do you do with your accounts coming up for renewal? If you renew for another 5 years to catch a higher rate, you might miss the extra 1% which may come in a year. Today, a 5 year pays 2.75% at an internet bank run by Goldman Sachs. You lose interest if the rate climbs 3% in 5 years. Under normal circumstances, you may earn more interest by dividing your balance into 5 equal amounts and buying a 1, 2, 3, 4, and 5 year paper. Then when each matures, you buy the current 5 year if you don’t need the money. Each year, you are going long to take advantage of the higher returns and you have cash if you need it.
An alternative is to rely on a Tax-Managed Balanced Fund. With over half of its assets invested in federally tax-exempt municipal bonds and half in non-dividend stocks, this fund has maintained steady returns of 7% while creating little taxable interest. This combination of securities will reflect new interest rates and avoid loses. Cost: 0.09%.

Is an advisor using the fiduciary rule right for you?
Despite the fact that Trump has nullified this requirement for financial sales people, you can still hire professionals who live by the rule. If you are looking for an advisor, ask for those who follow it. There are advisors with the degree CFP who “must act in the best interests of the client.” These pros place the interests of the client above the interests of the CFP professional and the CFP professional’s firm. They lose their license if they fail.

Best gift for your graduate this year
Money to start their long-term investment account. There is one important fact about investing that we usually learn too late to help: Time value of money. What’s that mean? Your graduate can practically guarantee themselves a great nest egg in the future if they use TIME to grow their investments 10 times. They can spend $30,000 for every $3,000 they invest early. With 30 plus years to compound, $250 a month, $3,000 a year can grow to $1,000,000 in 33 years. INVEST EARLY: people aged 35 have to set aside 11.69% of their pay to keep up with those in their 20s socking away only 6% of their salary, based on calculations by Financial Engines. Index funds are a good investment, as they are less expensive than other options. Pay less and earn more. Set up a Roth IRA if you have no access to an employer-sponsored retirement plan.






****************

Make America, “The Don” Great Again


‘I’m the only one that matters’ Mob Boss, Nov 3, 2017





Putin controls US power utilities and 21 state voting files, etc

The election is going to be rigged—I’m going to be honest” 

************************

How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! The kids will pay.
Congress voted 2,300 pages of spending no one read. Trump TV condemned his signing.
Trump’s ‘doc’ to failing agency: 400,000 employees : Nice guys can’t fix VA problems.

SCAMS:
Beware: Diesel VWs failed emissions parked in desert tweeked for resale.


TX woman gets 5 years in prison for voting while on work release –she is black.
Parkland killer of 17 getting love letters, money – what is wrong with people?

Jobs:
Despite bad treatment, FBI exec asks young people to work as civil servant in FBI.
SS got extra $480 million to deal with poor service and hiring more CSR.


Who owns your account now?
New Medicare card in April with separate number so thieves can’t have your SS# etc.

Miracle:


IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alert

Friday, March 23, 2018

Wall Street is taking $500 BILLION+ from our accounts



Wall Street is taking $500 BILLION+ from our accounts
All the things that our Wall Street advisor tells us to do is wrong
Set up your asset account and let it grow by itself. Don’t trade, time, hedge, etc.
Fidelity analyzed its most successful accounts. Results:
Either the client was dead or forgot about their account.
Warren Buffett has confirmed the same success factor. He says:
“The stock market is a device for transferring money from the                            impatient to the patient.”
“We continue to make more money when snoring than when active.”
The DALBAR study:
The average investor earned just 3.79% a year while the stock market earned 11.06% over the last 30 years.     DALBAR’s QAIB
Morningstar the rating firm found:
In every single time period and data point tested,
low-cost funds beat high-cost funds.”
What are these 'Assets that grow by themselves'? : https://www.amazon.com/Assets-that-grow-themselves-snoring/dp/1986381226

Why did Trump kill the rule that your sales person must put your interests first?
Two GOP judges ruled that the Department of Labor overstepped its authority with its rule that requires financial professionals, including brokers and insurance agents, to put their customers’ financial interests ahead of their own. The industry claims that the rule would make it too costly to work with smaller investors. What they mean is they do NOT want the government to stop them making huge profits from the sale of annuities and other complicated products dripping with hidden fees. These are the products pushed ON retirees because they have a large pot of money from 401k accounts. Usually courts let the marketplace connect each level of investor to an advisor. SEC regulars are going ahead to make brokers comply despite Trump. There are plenty of low-fee firms that would be happy to help small investors and they will continue to do so. The fee structure of the industry relies on putting the sales person’s interest ahead of the client. A fiduciary is like a lawyer who protects us from bad deals. Some firms like the rule.








IRS free filing sites avoid $300+ cost of filing taxes
Commercial tax prep sites offer expensive loans as advances on your refund but you can keep your whole refund using the IRS free filing partners. Refunds can be in your account within 2-3 weeks. Remember: IRS does NOT call you. The average refund is over $3,000. Check if you have a refund for a previous year—there is over $1 billion from 2014 alone. https://www.efile.com/unclaimed-irs-tax-refund-checks-and-bank-deposits/. Need previous year return (transcript): https://www.irs.gov/individuals/get-transcript. Check your refund: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp.
You can create a tax-free retirement fund of $500,000 with that amount each year. If you need free tax preparer service for your 1040, use AARP Tax Aides near you. Bring last year’s return and ID: https://www.aarp.org/money/taxes/aarp_taxaide/. If you have a simple return: FreeTaxUSA or FreeFile: https://apps.irs.gov/app/freeFile/jsp/index.jsp.
Use your refund to fund your tax-FREE IRS approved account: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

Which car should you or your student buy?
Of course, it is cheaper to buy and insure the car for them. You must buy your own insurance (oh no) if you own your car. Compare costs of coverage both ways as part of the decision to buy a car for their use. Most parents are loaning one of their cars while their student is home. But let’s say your student is driving themselves to school or needs one while on campus. You will want a safe and dependable vehicle. A first step is the JD Power ratings on used 2015 practical vehicles. http://www.jdpower.com/ratings/ study/Vehicle-Dependability-Study-%28VDS%29-by-Make/3670ENG Second, model and equipment and miles determine price. Take 2015 Kia at KBB and CarGuru. Kia Rio gets high marks by JD Power. A 2015 costs under $10,000 East and West, and South. This won’t be your last so try to avoid the ones at the bottom of the list: Buy only cars with 3 or more buttons.

It is not too late to increase your refund or cut IRS tax
Tax filing is half over. If you find you owe tax instead of hitting the refund button this year, you may still be able to claim your refund. You can reduce your 2017 income and receive a tax credit. Credits reduce your taxes dollar for dollar. In effect, IRS code can help you reduce taxes like The Don AND save for retirement at the same time. On line 32, Form 1040 or line 17, Form 1040a, you can enter up to $5,500 ($6,500 over age 50) as IRA contribution to reduce your income. If you meet the qualification, a credit will show up on Line 51, Form 1040 or Line 34, 1040a. You subtract this credit from your tax. EG: Income $66,000: tax refund is $3,335, without IRA contribution. With the contribution, the refund is $4,392 or $5,553 if you both make the contribution. Credit against tax is $400. IRS checks your IRA. Use: irs.gov/app/freeFile/jsp/index.jsp
For help with complicated returns: https://irs.treasury.gov/rpo/rpo.jsf

The Trump Tax Shelter
Clearly the Trump tax plan helps businesses and the wealthy. Trump even cut the Pease limits. The Pease limitation capped the value of itemized deductions for wealthy taxpayers. There is no reason why you cannot benefit from the tax code too. Using § 408 of the IRS code, you can create an unlimited account that grows without current or future tax. It eliminates taxes when taken out for your needs and can pass to your heirs totally tax FREE. No matter what your income, this helps you avoid future taxes to pay off the national debt. All of the 2018 individual tax breaks are repealed in 2026 to pay for the permanent business tax cuts. Avoid paying for their windfall—35-21% tax rate. Corporations provide only 1% of our revenue now. Avoid getting stuck making up their fair share. 

Why is Trump ending Bureau that closes down bad collection agencies?
In 2017, the Consumer Financial Protection Bureau’s activities to combat illegal debt collection practices included fielding consumer complaints, filing lawsuits, and providing the public with tools to deal with aggressive debt collectors. Specifically, the Bureau handled approximately 84,500 debt collection complaints, making it one of the most prevalent topics of complaints about consumer financial products or services. Elizabeth Warren set this up since there is no other agency to help us. This bureau obtained more than $64 million in judgments; banned 13 companies and individuals that engaged in serious and repeated violations of law from ever working in debt collection again. Trump got rid of the Obama director so Trump’s Mulvaney can gut this help for consumers. This agency was created by Dodd-Frank which is being dismantled. We have no help now.




Is your plan for retirement a success or are you just going to work till you drop?
Are you stretching your savings by using a tax-FREE account? Why not? Tax-free income means you have about 20-30% more to spend when you need it. If you are among the few who are looking out for tomorrow, you can easily make it better with untaxed cash. The future is unknown. Will you be able to work? Will there be adequate-paying jobs? Unlike past generations that saved because they experienced the 1930s catastrophe, today many are spending everything they earn—inflation-adjusted wages have not increased in 40 years. Of those who started saving in a 401k at work, many were forced to take their savings to cover daily expenses. Few working people seem to be taking advantage of the greatest multiplier of wealth—compound interest. Your savings can grow by themselves over time if invested in a tax-FREE account. $100 a month can grow to over $500,000 in time.

Here are the ways the wealthy avoid taxes and we must pay their share
IRS has been defunded for auditing and chasing tax fraud overseas. The IRS knows what some have done to avoid tax but if you have money, power and lawyers, IRS has a hard time putting them in jail. Actually none have gone to jail for hiding money overseas. Let’s say you sell your business and receive $3 million into a dummy corporation your lawyer sets up in a country that does not share information. The corporation has a bank account that issues credit cards you can use worldwide. Others have employed foreign trusts, employee-leasing schemes, private annuities or insurance plans for the same purpose. However, there are thousands who maintain their hidden assets overseas. Despite the ‘possible’ penalties, only a few Americans get caught and the settlements are house arrest or probation. Rich people don’t go to jail.


GOP spends more than government requested pet projects
No WALL but fence $1.6 billion, no health care, no gun research, no farmer-owned farm help, IRS got $456 million more than requested, $3 billion increase for opioid help, raise for baseball players, $380 million to secure voting, $4 million to teach Congressmen not to harass/sex with staff, fed jury duty pay to $50 per day, $2.007 billion for Secret Service and overtime for The Don and family trips and higher fence at WH, FBI $307 million more than requested, apprenticeship programs increase by $50 million. Pentagon increase to $716 billion but its spending plan risks flooding too much money that may not spend it wisely.
HALF of our money goes to war spending. Bolton wants ‘first strike’ kill millions Korea.


Can we save our democracy from the cult of Trumpism?
Is Direct Democracy the answer? Direct democracy, made possible by the Internet, has given a new centrality to citizens and will ultimately lead to the deconstruction of the current corporate, political and social organizations. Representative democracy is losing meaning because our Reps follow the money. In Italy, the movement is called Five Star Rousseau Association. The Five Star Movement, which launched in 2009, has now achieved a landmark success among Western democracies by using the Internet to play a crucial role in the electoral process. The Five Star Movement received the highest percentage of votes — 33 percent — in the Italian elections on March 4. The platform won by taking a bold approach—direct solicitations from citizens—no party, foreign, billionaire or corporate money. Representatives who stood for election were chosen through online voting on the Rousseau platform — not inside a smoke-filled room like the established parties. Blockchain is used to protect voting from hacking. Our slogan — “Participate, don’t delegate!” — is what guarantees our continuing success in the future. And our hope is that we will provide a model for renovating democracy everywhere by giving it back to the citizens. Voters realize that more elections will be decided by money from rich and special interests. The Don has destroyed educated public and rule of law.
Participate, don’t delegate!”

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Make America, “The Don” Great Again

Palace intrigue: Trump’s movie will star himself and family in 2022. Putin does cameo.
(Putin has videos of the star in compromising XXX sex acts we can’t describe here)
Trump’s stage name is ‘David Dennison’ when others pay $130,000 for his sex.

A movie is the only way to understand how Putin got Trump elected. Will Putin poison him?

Jr didn’t. ‘collusion;’ … or treason!

Can Trump be impeached?
What makes Trump immune is that he is not a president within the context of a healthy republican government. He is a cult leader of a movement that has taken over a political party — and he specifically campaigned on a platform of one-man rule.
The Trump vote reflects the outrage over Obama’s successful presidency.

Trump Is 'Doing Putin's Job for Him' by Attacking our FBI: McCain
Mueller indicts 14 more conspirators for illegally helping Trump win election
Trump let Putin hack control of our utilities

GOP House will never impeach their ‘Savior’

“I have absolute right to do what I want to do with the Justice Department,”

Bannon and I wish to “destroy the state”–our government: “I want to destroy regs”
FBI doing its job following Kremlin ‘advisor’, Page, a suspected Putin spy

Tillerson told the truth so the MORON fired him.

“Why are we having all these people from ‘shithole’ countries come here?
The Don admits he “makes up things”—lies

‘I’m the only one that matters’ Mob Boss, Nov 3, 2017
The Don’s enforcers lie re: contacts to Putin and list longer: Why all the lies if innocent?

GOP suppresses vote: can voters make America normal again?

Trump rated worst president we ever had; Obama #8 Reagan #9
‘I was elected President.’ (to destroy ‘the state’)
Dictator’s greatest weapon is fear: Dems Press are evil (TV ad)
Military moves into another cabinet seat: Iran can restart nuclear reactors

Anyone who did NOT clap for my speech is “traitorous, Yeah”




Government TV’ blasted by general: Administration ‘propaganda machine.’




SCAMS:
Student #1 injured from IN-SCHOOL gun-packing teacher—police state is bad.

The Don, mob boss, tricks religionist into supporting his authoritarian society.

NRA is gun lobby not care about rights: Many towns ban guns: "Leave Your Revolvers



Jared’s co. needs money: Saudi prince gets US support Saudi dominance. Jared gets loan.

Robert Mark Magee, Austin, took client’s stock gains gave them losses.

Wells Fargo brokers’ unsuitable recommendations of alternative investments alleged.


Jobs:
Morgan Stanley plans to add 80 jobs in Paris
Trump TV has given up Bolton and DiGenova. NBC given up Kudlow to WH.

Who owns your account now?
Trump data firm took our Facebook pages and confirmed many want a dictator.
                        “It turns out, there’s a lot of Americans who really like this idea of a really strong authoritarian leader…”

Miracle:

It will be a miracle if teachers don’t kill a student—by accident. Wyatt Earp was right!

IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alerts 

Friday, March 16, 2018

You can increase refund or cut tax


It is not too late to increase your refund or cut IRS tax
Tax filing is half over. If you find you owe tax instead of hitting the refund button this year, you may still be able to claim your refund. You can reduce your 2017 income and receive a tax credit. Credits reduce your taxes dollar for dollar. In effect, IRS code can help you reduce taxes like The Don AND save for retirement at the same time. On line 32, Form 1040 or line 17, Form 1040a, you can enter up to $5,500 ($6,500 over age 50) as IRA contribution to reduce your income. If you meet the qualification, a credit will show up on Line 51, Form 1040 or Line 34, 1040a. You subtract this credit from your tax. EG: Income $66,000: tax refund is $3,335, without IRA contribution. With the contribution, the refund is $4,392 or $5,553 if you both make the contribution. Credit against tax is $400. IRS checks your IRA. Use: irs.gov/app/freeFile/jsp/index.jsp
For help with complicated returns: https://irs.treasury.gov/rpo/rpo.jsf

All the things that our Wall Street advisor tells us to do is wrong
Set up your asset account and let it grow by itself.
Fidelity analyzed its most successful accounts. Results:
Either the client was dead or forgot about their account.
Warren Buffett has confirmed the same success factor. He says:
“The stock market is a device for transferring money from the                            impatient to the patient.”
“We continue to make more money when snoring than when active.”
The DALBAR study:
The average investor earned just 3.79% a year while the stock market earned 11.06% over the last 30 years.     DALBAR’s QAIB
Morningstar the rating firm found:
In every single time period and data point tested,
low-cost funds beat high-cost funds.”
What are these 'Assets that grow by themselves'? : https://www.amazon.com/Assets-that-grow-themselves-snoring/dp/1986381226


Is your advisor living up to the promises?
How do you judge your advisor as an advisor about money management and meeting your goals? Do you just ask that they not lose your money? Over what period to you judge their results? Are you fair with YOURSELF? Sales people always have a good story. Just listen to any TV commentator or your own advisor. “Market went down because ….” Do you check the benchmarks? A stock market index fund has provided 11.11 since 1976, 21.67% in 1 year; 11.26% in 3 years; 15.62% in 5; 8.37% in 10. If your advisor is providing a 40% stock 60% bond portfolio for ‘safety’, are they exceeding the classic balanced fund after fees: 9.85% since 1970; 10.20% in 1 year; 6.45% in 3; 7.31% in 5; 7.11% in 10. If not, why not? Fees are the largest drag on returns. Maybe it is time to go your own way since success in stock picking is very hard.  


Warren Buffett provides FREE advice on how to beat the Wall Street pros
He bet a market guru on Jan 1 2008 that his SIMPLE advice would beat the professional money managers. He took a bow in his annual letter to his fund owners: “A virtually cost-free investment in an unmanaged S&P 500 index fund would, over time, deliver better results than those achieved by most investment professionals …” And his choice did after inflation—8.5% a year vs 2.9%. “American investors pay staggering sums annually to advisors, often incurring several layers of consequential costs,” and with little to show. Buffett’s final message: “As an investor’s investment horizon lengthens, however, a diversified portfolio of U.S. equities becomes progressively less risky than bonds.” Read how a really successful investor earns over 19% a year. Read why PI is important to us:

Did you leave a pension at a past employer?
We change jobs or employers fold and leave our money with the PBGC. Sometimes the bankruptcy takes a long time and you are never notified how much is yours. You may be able to claim your portion of the $ millions left behind. First, search the PBGC: https://www.pbgc.gov/search/unclaimed-pensions. Second, try the Dept of Labor: https://www.dol.gov/agencies/ebsa/about-ebsa/ask-a-question/ask-ebsa. The best option, according to Bloomberg: Call one of six regional pension counseling projects affiliated with the Washington-based nonprofit Pension Rights Center (pensionrights.org). The regional offices handle a range of retirement-benefits issues for consumers and act as a liaison with the plans. Elizabeth Warren’s law would create an Office of Retirement Savings Lost and Found to serve as a clearinghouse for retirement plan information and require employers to provide data for a national searchable database that could be used by all retirement plan participants. GOP may cancel funding for Warren’s law in their panic over lost revenue this year.


Would you rather earn 8.5% a year or 2.4%?
Buffett won his bet with 5 Wall Street ‘professionals’ that the Vanguard 500 Index fund would provide a better return than the pros. The Index fund returned 94% vs 24% over 10years. Why don’t most investors use index funds? Most think the expensive Wall Street ‘professional’ managers are smarter than the market itself. Managers take a lot of fees from investors but 95% of them fail to match the market. No manager knows the future. No manager can know all the conditions affecting the companies. Luck has role.
Bet on Buffett’s strategy not on Wall Street’s ‘experts’: https://www.amazon.com/You-Beat-Wall-Street-professionals/dp/1986031373/

20% of us aren’t saving any money; 78% living paycheck to paycheck
Most say expenses are the biggest obstacle, with 39% of the respondents citing this as the main reason they’re not saving. 16% said their job isn’t good enough, while an equal amount said the main reason they aren’t saving more is because they haven’t gotten around to it. Living with debt and no emergency is the American way. Perhaps in this culture of immediacy we don’t worry about tomorrow like older generations HAD to. No jobs and starvation was a prime motivator after the 1930s wiped out their way of life. (NOTE to climate deniers.) Without preparation, some could find housing in L.A. for the homeless. Others may find food illegally from volunteers. Others may try making it on $9 per hour if they can find work. Even if we work all our lives the average SS benefit is $1,341 a month. That may be cut 25% in 16 years if GOP holds Congress majority. There are more retirees and fewer workers so we either stop making wars, bombs and missiles or we live shorter lives.  


IRS free filing sites avoid $300+ cost of filing taxes
Commercial tax prep sites offer expensive loans as advances on your refund but you can keep your whole refund using the IRS free filing partners. Refunds can be in your account within 2-3 weeks. Remember: IRS does NOT call you. The average refund is over $3,000. Check if you have a refund for a previous year—there is over $1 billion from 2014 alone. https://www.efile.com/unclaimed-irs-tax-refund-checks-and-bank-deposits/. Check your refund: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp
You can create a tax-free retirement fund of $500,000 with that amount each year. If you need free tax preparer service for your 1040, use AARP Tax Aides near you. Bring last year’s return and ID: https://www.aarp.org/money/taxes/aarp_taxaide/. If you have a simple return: FreeTaxUSA or FreeFile: https://apps.irs.gov/app/freeFile/jsp/index.jsp.
Use your refund to fund your tax-FREE IRS approved account: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

One advisor claims investors are turned off by advisor’s bling
Nick Richtsmeier says his industry must stop trying to impress the wealthy to become clients. “It’s an empathy gap that is the effect of decades of culture in the financial services that creates a barrier between people who give advice and those who need advice,” he says. Brokers/advisors created the image of a financial professional as one wrapped in luxury cars, exclusive neighborhoods, expensive clothes and jewelry. Somehow this proved they were successful at making money but investors are now realizing that THEY, the investor, had to pay for all that bling. “Clients today are more interested in facilitating high-quality decision-making,” Nick says. The average financial advisor makes approximately $140,000 a year, says Richtsmeier, but the average American household reports an income of less than $100,000 a year. Most of the advisors I have worked with make less than $90,000. Most Americans who reach $1 million in assets have already been investing effectively on their own. Advisor fees can hurt more than help you. Try paying less and earning more.

Avoid these cars according to JD Power
In 2016, Kia leapt to the No. 1 spot, ending the nearly 30-year reign of premium brands. It held on to that top spot for 2017, with Genesis, Porsche, Ford, and Ram rounding out the rest of the top five. But while a rising tide lifts all boats, there are still winners and losers. 10 with the most problems you should not buy: Infiniti, Jeep, Subaru, Audi, Mazda, Land Rover, Mitsubishi, Volvo, Jaguar, Fiat. Consumer Reports shared similar views. After ownership, Power likes this list of most dependable: http://www.jdpower.com/ratings/study/Vehicle-Dependability-Study-%28VDS%29-by-Make/846ENG



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Make America, “The Don” Great Again

Palace intrigue: Trump’s movie will star himself and family in 2022. Putin does cameo.
(Putin has videos of the star in compromising XXX sex acts we can’t describe here)
Trump’s stage name is ‘David Dennison’ when others pay $130,000 for his sex.

A movie is the only way to understand how Putin got Trump elected. Will Putin poison him?

Jr didn’t. ‘collusion;’ … or treason!

Trump Is 'Doing Putin's Job for Him' by Attacking our FBI: McCain
Mueller indicts 14 more conspirators for illegally helping Trump win election
How many other people can Trump blame for Putin’s meddling?
Putin has hacked control of our utilities

GOP House will never impeach their ‘Savior’

“I have absolute right to do what I want to do with the Justice Department,”

Bannon and I wish to “destroy the state”–our government: “I want to destroy regs”
FBI doing its job following Kremlin ‘advisor’, Page, a suspected Putin spy

Tillerson told the truth so the MORON fired him.

“Why are we having all these people from ‘shithole’ countries come here?
The Don admits he “makes up things”—lies

‘I’m the only one that matters’ Mob Boss, Nov 3, 2017
The Don’s enforcers lie re: contacts to Putin and list longer: Why all the lies if innocent?

GOP suppresses vote: can voters make America normal again?

Trump rated worst president we ever had; Obama #8 Reagan #9
‘I was elected President.’ (to destroy ‘the state’)
Dictator’s greatest weapon is fear: Dems are evil (TV ad)
Military moves into another cabinet seat so Iran restarts nuclear reactors

Anyone who did NOT clap for my speech is “traitorous, Yeah”



How Govt wastes our money: Naked politics at work
Why deport law-abiding entrepreneurs—dishwasher to diner owner gone: America lost.
Trump withheld or censored more records last year than at any point in the past decade. 

SCAMS:
What happens when two lying B.S. artists get together to talk?
            NRA made offer he can’t refuse. Mob money to mobster. ‘Let them kill kids!’
            Will killing the killer bring back 17, deter next sick killer or parents feel good?
            Student #1 injured from IN-SCHOOL gun-packing teacher—police state is bad.

"I’ve never been in a situation when I’ve been asked to ignore the facts because it was   more convenient,” ICE James Schwab.

Jobs:
Some Trump steelworkers will lose jobs not gain from tariffs. Overall net loss to America


Who owns your account now?

Big banks are again free to bring down the economy and financial infrastructure. It costs             US $29 TRILLION in the 2007-8 bailout. We gave $ millions to foreign banks.
Miracle:
Meet your soul-mate as avatar in internet game. Play the game for the rest of their lives.

Porn star ‘search for the truth ’shames President: money back guarantee for services.

Dems beat Trump’s candidate again—in deep coal PA—overcame 20 pt GOP win and            Pelosi image and abortion and gun ban and ‘left hates Trump and God.’

IAN
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