How we verify financial offerings are NOT scams?
Verify all the information you receive. Most of us get our news on social media. For instance here are 5 outright fakes thousands of us may take as true information. Twitter, Facebook, Google, and other sources are favored by most scammers since there is no editor checking the validity of the offers. Most financial scams are started online. Many of us are tempted to click on the email from imposters who use logos from our regular bank, online store and gov agencies. Recently I was informed that my PayPal account was suspended and I could fix it by clicking the link. I deleted the email and went directly to PayPal to verify no suspension. PayPal keeps a list of all the scams they see. Google News provides a “Fact check” blotter to highlight false/misleading info. Others like snopes.com/fact-check/biden-nephew/ track plain lies. We might be better off reading social media a entertainment not news. To verify any info or offer, I use traditional news organizations like AP, Reuters, NY Times, and Washington Post. We pay editors to check. When I read claims like a 7% annuity rate, for instance, I know they are fake--not possible. If I did not know about annuities, I would check widely regarded sources like Kiplinger, Money, DowJones, and an expert seller like immediateannuities.com/. Broker scams like Ponzi schemes are harder to detect since trust might exist. However, beware guarantees, high consistent returns. Confirm unusual behavior with the firm’s supervisor.
Better safe than sorry: https://www.amazon.com/Money-Scams-2014-insurance-financial/dp/1505437962
Why pay higher car premiums?
Errors in your credit report and score mean you pay more for car, home and life insurance. Clear up your ‘rap’ sheet so you know the ‘score’ before you shop for new credit. Most credit reports have errors others created. For instance, collectors place invalid or fake debts on your reports to coerce you to pay them. We have to clean up their mess. Credit is easy to lose with wrong info. My personal experience: bureau put another person’s (similar name) defaults on MY report. I was denied credit card and had to pay higher life and car insurance premiums. Can’t sue: government protects credit bureaus so their mistakes are never punished. Find and fix your credit reports before your rates go up: https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports. Paying $ hundreds to “protect your credit” does not actually stop bad things from happening. You can “monitor” your own credit and SS number abuse at no cost. You can get a free copy of your credit report every 12 months from each bureau: AnnualCreditReport.com Check credit score: https://www.creditkarma.com/credit-scores. Insurers, landlords, auto dealers, banks, lawyers and lenders use your credit reports. Anyone can buy your credit reports.
Save on insurance: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634
Need an extra $3,000 a year?
Save $3,000 a year on financial products/services you don’t
need or get for less. We are living longer. We will need more savings for up
to 30 years in retirement. Even if we work after age 67, we will eventually
not be able to work. Planning for more income later requires we save more now,
while we can. Compare what you spend to the
Stop wasting you money: https://www.amazon.com/Stop-wasting-3000-every-year/dp/146108394X
Best gift for your child/grandchild
Don’t you wish your parents had started a tax-FREE investment account for you when you were young? You might be a millionaire already if they had bought Apple, Google, Microsoft, Amazon, Facebook, Berkshire Hathaway, Johnson & Johnson, JPMorgan Chase, Visa, and Procter & Gamble 10, 20, 30 years ago. Make sure you teach your kids how to create wealth the easy way by using compounding and low-cost index accounts. According to Warren Buffett investing is not rocket science but just being patient: time. Most of my readers earn 11% a year on average.
Start today: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355
**********ACCOUNTABILITY**************
Like 1776, this
period is a test
of democracy—We
rejected the "American
fascist"
GOP
Supremes block American dictatorship
GOP Supremes crowned Bush II:
Scalia
stopped vote counts
Trumpists
scare representatives with home bombings
Healing
America begins with admission: 315,000 dead
Dictator’s advisor: “we
want them infected”
Our ‘Truth
and Reconciliation Commission’?
How Govt wastes our money: Our
Representatives gave 3.7 Trillion to the wealthy!
Congress says NO: Americans forced to steal food: 42 million in poverty: line for food
Congress ignores 885,000 new unemployed: talking for months: pawn in power plays
One man, McConnell, holds millions of lives in his hand: is this really our government?
Trump process: 'deconstruction
of the administrative state' as promised: 315,000+ dead
Trump
goes after endangered animals as revenge on nature lovers/anti-coal/oil/gas
folks
Putin
breaks our secret codes after we spent $ billions to protect them: get
refund?
Biden
saves us taxpayers 2.6 Billion on first day: Dictator’s Wall falls:
symbol of fear.
The Emperor has no clothes: Trump con: “We keep going.” Takes home $200 million
GOP claims rejected by at least 86 judges in more than 50 court cases: Insanity.
Trump’s lawyer, not our Attorney General, forced to quit or be fired for not lying again!
Trump gathers fellow travelers as Coup attempt continues: Will terrorists occupy WH?
Hacked
federal agencies bought same software: easy hack by USSR: Putin laughs,
Trump silent
Supremes again knock down public health for ‘religious’ events: mass infections OK
‘Religious’ nonprofits violate Constitution separation: pay GOP favorites for rulings
Trump’s deal skills: US pays more for vaccine than EU. Refused to buy more early
Wealth spends the $3.7 T tax break: Lou Gehrig 1931 dirty stinky jersey for $1.5 million.
Tom Brady got $1 million instead of our small businesses: local stores 130 got no jobs
Fed will keep giving our cash to stock markets: wealthy won’t panic take their money out
SCAMS/SPINS:
Trump
urges overthrow of government of GA, AZ: sedition charges in February?
126
House GOP pledged to help overturn legal election to install dictator: sedition?
Trumpers still
think God chose Trump president 2nd term: “the
winner pop into my head”
January House swearing
Oath of office to
Constitution or to Trumpism for 126 GOP?
Only
1 House GOP sorry GOP not support Constitution election process: Mitchell
quits
Putin acknowledges
Biden while House
GOP still plotting to vote NO Jan 6 certification
Moscow
Mitch finally got the OK to call Biden re:
Secession
talk in 17 states which backed TX move to overthrow US democracy
Admitted
felon Gen Flynn says Trump still prez: ‘people decide not courts’ we did!
Will former General
Flynn lead AR 15 terrorists to block Biden from White House?
Trump: I
won so “I am not leaving” WH Jan 20: Biden may need army to oust him.
More
fake posts to incite anti-vaccine movement: fake pic of MAGA rally
Local
firefighters ignore danger, have party, no masks, get virus: now, houses
burn.
Ivanka decides:
“These blanket lockdowns are not
grounded in science.” Let’s
try an island
Alder Holdings
failed tell buyers
using credit reports to charge more for alarm services
CapWealth Advisors caught
selling higher-cost funds overcharging w/o consent; no jail
Lay
off 100,000 to keep company profits flowing to wealthy: 27 of the 50
largest firms
Brokerage Robinhood caught
misleading customers on how it makes money
Wealthy
jump the line for vaccine: “If I donate $25,000 …” Concierge doctors for
price
Card scammers: gas
station swipe device takes CC strip #s: use credit not debit
Zoom
phishing scams are the latest conduit for planting malware: “click to reactivate”
Least
reliable vehicles by Consumer Reports: some cost over $90,000 pay more get
less
IRS: Easy Steps to Protect Your Computer and Phone and Avoid Phishing Emails.
IRS: Free special ID
protection PIN goes on your return so scammers
can’t take refund
IRS: Previous tax
returns available online: https://www.irs.gov/individuals/get-transcript
Is it a scam? Check AARP scamline 877.908.3360.
Check
IRS: https://www.irs.gov/newsroom/dirty-dozen-part-1-taxpayers-should-be-on-the-lookout-for-these-scams
https://www.irs.gov/newsroom/dirty-dozen-part-2-thieves-work-all-year-to-scam-taxpayers
Check Social
Security: https://blog.ssa.gov/
Safeguard data:
ConsumerReports help: https://securityplanner.consumerreports.org/
Jobs
Living longer means
part-time jobs of all kinds: https://jobs.aarp.org/
Nurses
will always have a job: traveling nurses in high demand; $5,616/wk
White House staffer got
Covid 3 mo hospital: needs donations: no insurance no T help?
Who owns your account now?
Best time to buy a used car and save $1-3,000: Not Christmas; not new models’ day
Miracles:
Trump
declines vaccine for WH: staff does not need protection [from hoax]: Con
man
Can
GOPs find their souls or has Trumpism destroyed them? Matthew
16:26
Rapid
virus test at home no lab no doctor approved by FDA: Ellume
& others
‘Legal’
drug dealers pay $65 million to help kill
470,000 people: no
arrests for murder
We can apply for
Medicare online: https://blog.ssa.gov/apply-for-medicare-online
We can apply for
Social Security online: https://www.ssa.gov/benefits/retirement/
We can apply for
health care online: https://www.healthcare.gov/
IAN
41 Watchung Plaza,
B242
973.746.2014
www.InsuranceAdvisorsNetwork.com
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