Your Unbiased Advisor: 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.

Use firms that put you first: https://www.amazon.com/Fiduciary-Rule-BEST-dont-anymore/dp/1530980275

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.

Save with discount insurance: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

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

Take the deal: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

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.

Use Trump’s Tax Shelter: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

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.

Make the change now for success later: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

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.

Create a legal tax-Free income: https://www.amazon.com/Build-Your-Tax-FREE-Wealth-Reserve/dp/1456505041

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.

Popular vote was feared by early framers concerned about mobs taking over. US ready?

Participate, don’t delegate!”

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

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?

(Mel will tell all in her new own book)

Jared/Prince made a secret ‘back channel’ to Putin … Trump like Benedict Arnold?

Our intel agencies: we are under attack and Prez says not—aid and comfort to enemy?

Bannon admits the Trump-Russian meeting was “treasonous”

If the Russians contacted you, would you call the FBI?

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

Putin’s influence: Manafort, Flynn, Gates, Page, Stone, Papadopoulos, Sater, Zwaan, Prince, Jr, Jared, Sessions, etc

How many other people can Trump blame for Putin’s support?

Trump let Putin hack control of our utilities

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

Trump to refuse to answer special prosecutor’s questions: Above the law?

Trump’s co-conspirators take secrets without clearances. Traitors?

GOP House will never impeach their ‘Savior’

Another Civil War?

The Path to Dictatorship