Friday, May 27, 2016

Don is used to $0 taxes

Don’s last public tax return shows $0 tax – “I try to pay the least tax”
And he did in the 1978 and 79 tax reporting. He can because he owns tons of real estate with depreciation and maintenance expenses to offset $ millions of income. He buys NJ plane with NO NJ sales tax. He calls out other millionaires for “false deductions” but gets away with murder on taxes himself. He avoids taxes because the Gov “wastes it in the Middle East and all over the place,” he said. IRS audits don’t exclude disclosure. Don may fear showing his flock how little he pays because he “writes off everything he has in his life — the hairdo, the plane — as business expenses.” He uses other people’s money (Pritzker) and government subsidies ($400 mill) to drive his mogul image but hides his own income with tax tricks created by 25 CPAs and lawyers. His bankruptcy cancels his worker’s benefits. Don wants to become THE tax collector, but doesn’t want voters to know if he’s an evader. Audit will ‘fix’ the $0 tax returns in time for vote.
Use your tax refunds to build legal Tax-FREE wealth like Don: http://www.amazon.com/Build-Your-Tax-FREE-Wealth-Reserve/dp/1456505041

Most rich people got there with a buy and hold stock investing
Most multimillionaires in the U.S. have a middle-class background and built their wealth gradually through hard work and buy-and-hold investing, according to the 2016 U.S. Trust Insights on Wealth and Worth released Monday. Solid family backgrounds and living with a purpose contribute to the disciplined attitude toward money. They value stock investments for long-term growth using consistent investing methods at work. The earn 11% not 3.79%. They value community involvement to improve other people’s lives. They don’t use accounting tricks to avoid taxes. They avoid taxes by NOT trading.

Vanguard cuts fees for mutual funds and ETF again
The largest fund manager took in the most deposits in 2015. Vanguard is owned by its investors so it runs funds “at cost.” As it grows, it lowers fees for all investors.  Example:
April 2016.
 Lower expense ratios for 88 mutual fund and ETF shares.
February 2016. Lower expense ratios for 42 mutual fund and ETF shares.
January 2016. Lower expense ratios for 35 mutual fund and ETF shares.
December 2015. Lower expense ratios for 53 mutual fund shares, including 21 ETFs.

Is an annuity right for your defined benefit pension?
Most situations do not benefit you. Garrett Planners almost never convert a defined benefit pension to an annuity. Advisors who stand to make high fees may claim that you will lose it all if the firm paying the pension goes belly up. Usually pensions are insured. Check the fees over a lifetime compared to the pension’s chance of default. Advisor’s plan can default too. There are no refunds when rates go up.


GOP lost voter suppression move in OH
Court struck republican law to restrict voting. Judge Michael H. Watson of U.S. District Court in Columbus said the Republican-dominated Ohio legislature violated the federal constitution and Voting Rights Act in 2014 when it reduced the state's early voting period from 35 to 28 days. The move also eliminated the so-called Golden Week in which eligible residents could register to vote and cast an absentee ballot at the same time. GOP would burden the right to vote of African Americans, who use (early in-person) voting significantly more than other voters," Watson said. With high-stakes voting cases also working their way through courts in such states as Texas, North Carolina and Wisconsin, "There is sorely a need for clarification" from the Supremes right now.
GOP uses “voter fraud” as excuse but there is no fraud, just discrimination.

Roth IRA adds $300,000 FREE to millennial’s nest egg
Retirees are discovering the real benefits of the Roth IRA and Roth 401k. Retirees have to pay taxes on their pensions and old IRAs since they received a tax break when contributions were made years ago. They were not taxed on all their income back then. Deductibility was the sizzle to most retirement plans then. Now they are paying the price. Some must also pay taxes on up to 85% of their SS benefits. When you add their part time work and taxable dividends, retirees may be in the 25% bracket. If the state does not exclude pensions and SS benefits, they may pay another 5-7%. When young workers compare the benefits of the Roth to regular 401k, they may see that paying a little more now can provide HUGE benefits later. They avoid paying 30% tax on their $1 nest egg.

Does our President need to be smart and truthful? Do they even care about truth?

What does Trump’s National Socialism stand for?
Reinstate older white male value system: Make America Great Again
Reinstate Christianity as the state religionbar all others from public office
Reinstate Christmas and Christian observance in schools, home, court, etc
Put up a wall, end trade, bring back repetitive “robotic” jobs back from low wage areas.
Cut regulation of all business activity, lower wages for women, pregnancy
Cut federal spending on health especially when control women clinics
Don will cut Medicare and SS benefits “if tax cuts don’t make big surpluses”
Cancel immigration for all the rapists and terrorists from non-EU countries
Limit rights of non-Christians, Muslims, gays, Asians, protesters, press
Increase debt and devalue debt. Let Mexico pay for the Wall.
Trade pacts are no good for us and no good for our workers.
Abolish IRS, EPA, Education, Dodd-Frank financial protections
National right to buy and carry any firearms anywhere anytime by anyone age 2 and up.
Install state Gov that cuts Medicaid, education, federal support payments, infrastructure.

Don: Hill will take away your gun rights. Forget that I wanted to ban assault weapons
            Even Lindsey supports me despite "race-baiting, xenophobic, religious bigot" label.
            Vegas police prove Don wrong—Muslims are here to stay
            Global warming is HOAX but I am building sea wall at my golf courses.
            My "liaison on Christian policy" televangelist Amedia will scare liberals out
            I never said $6 million gifts to Vets—tape says yes--where is the $2.6 million?
            I will debate Dems for $10 million. I won already so don’t need convention.
           
Hill: 2nd Amend is not target. It’s the senseless killing of kids. $250,000 for child killer.
            I goofed but hey, it’s just email, people. We Clintons never follow the rules.

Paul: I don’t need to endorse Don since he already won—I will be final choice of GOP.
            “We don’t always nominate a Lincoln and a Reagan every four years.” Really?

More young adults at home than with partners like 1900!
Not since the 1900s, have so many adults lived with parents. the proportions of both male and female 18- to 34-year-olds living at home are high—35 percent for the men, 29 percent for the women—and have grown in recent years, while the shares of those living with partners have plummeted. Young adults without bachelor’s degrees are more likely to live in their parents' homes, which in 2008 became more common than residing with partners did. The trend is driven by the experiences of more economically disadvantaged young adults.  Living alone or single parent rose in the 1970s. Wages have remained flat over the last 30 years while most expenses have increased. Parents and children seem to be more accepting of the situation.

Wells Fargo first bank to offer low-cost robo advisory
Robo-advisers manage client money using algorithms rather than traditional human brokers, and have been popular with investors who want to pay lower fees or prefer digital options. Wells will try to gather small investors early. Young investors with few dollars to spend use robo-advisors to pay less and earn more. Typically, fewer trades reduce taxes too. So the question for all investors should be, “how much does it cost to have your returns exceed the market by 1% or 2%.” Schwab and TD have introduced refunds on new money. Hedge funds do not refund but some have cut fees. Tudor will reduce fees to 2.25 % assets and 25% of profits soon. Most still can’t beat the index.
 

Regulators are the only protection we have since we can’t sue anymore
            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)
               Supremes stop us from suing—State courts no longer available to sue corporations!

.Does airport screening work? Last test says no! Rich (terrorists) pay $85 for PASS.
.MetLife caught misleading in annuity sales to vulnerable investors for retirement. 
.Senate repeals new Fiduciary Rule that protects us from high-cost retirement products
.Congress cuts investment advisor examiners from SEC budget: more misleading sales.
.Morris Zukerman caught evading $45 million in taxes using fake corp and charity.
.Insurers paying desk engineers to reduce Sandy claims—“pre-existing earth settlement”
.5 IRS phone impersonators caught stealing $2 million from 1500 frightened taxpayers.
.3 Idaho white HS racists rape black teammate with coat hanger after coach ignores signs.
.David Eghbali, Wells Fargo, caught shifting mortgage fees to earn higher payout.

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

SCAMS
Hedge funds who own PR debt accusing gov of preferential treatment to local creditors
'Swiss-Made' Watches is A Joke, Says Homegrown Maker Of Lower-Cost Watches
New bogus calls from IRS fakers demand non-existent tax, “Federal Student Tax.”

How our government wastes our money
Pentagon spends $HALF Billion on bands, uniforms, instruments but VA can’t give appt
Feds spend $50 Billions to keep old floppy computers running—no plan to upgrade--ever
            Control nuclear subs with 1970s IBM 8” worn out floppies and COBOL systems.
           
Who owns your account now?

IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alerts

Friday, May 20, 2016

Don's new tariffs cost us $6,000

Don’s new tariffs could cost each of us $6,000 a year
An independent analysis of Trump’s tariff proposal finds that it could cost the average U.S. household more than $6,000 per year, with much of the burden falling on households with the lowest incomes. “We find that a Trump tariff proposal against all countries would cost U.S. consumers $459 billion annually and $2.29 trillion over five years,” David Tuerck and Paul Bachman, a pair of economists at Suffolk University in Boston, write for the nonpartisan National Foundation for American Policy.
There are many ways for Trump to ‘tax’ the middle class. Tariff’s increase the price of everything working people (not wealthy) buy.


Which investment strategy provides the best retirement outcome?
“The stock market is a device for transferring money from the impatient to the patient.” Warren Buffett Mr Buffett's strategy of patience has proven to be the most astounding in history. He has earned 20.8% a year compounded over 50 years including recessions and wars. He does NOT trade or speculate. He holds companies for a long time. Buffett has proved the market is NOT efficient and stock-picking can work for a few.
Buffett is the genius who found a way to beat the market. The average investor earned just 3.79% while the stock market earned 11.06% over the last 30 years. DALBAR QAIB. You can become wealthy by choosing the best investment strategy in the 21st century: The Hub and Spoke Strategy. Use the best of both worlds: market index and Buffett's stock. There are almost as many “investing” strategies as people who work on Wall Street. There are institutional and retail investors who put up the money and take all the risks. And there are salespeople who take profits unfairly from the investors.
You have your choice but there are three considerations first: trust yourself or others, your futures will change, wealth-building takes time.

No retirement fund? $9 is all it takes
Almost 20% of Americans 65 and older are now working, according to the latest data from the U.S. Bureau of Labor Statistics. That’s the most older people with a job since the early 1960s, before the U.S. enacted Medicare. This may explain why younger people have trouble finding work and why wages remain flat despite productivity increases. More employers are offering tax-FREE Roth 401ks yet only 10% participate in these retirement funds. As the overall economy improves, the growth of productivity is going to existing asset holders, not to those producing it. Since 1995, the average year-over-year inflation rate for energy has been 3.9%, for food, 2.6%; for shelter, 2.7%; and for medical care, 3.6%. Middle class expense increases leave no room for building assets.
Build your own tax-FREE pension fund of $250,000: http://www.amazon.com/$9-Day-Millionaire-Turn-day-into/dp/1484890310

GOP budget-cutters go after the poor again—GOP ‘heroes’ target defenseless
It is an easy group to target with no lobby and no defenders. GOP will cut food stamps again instead of supporting a wage hike that might reduce the need for this subsidy. GOP did not go after oil and gas socialists on subsidies, not the socialist supports that guarantee income to corporate farmers, not the socialist price guarantees to sugar and cotton and peanuts and soy and corn and etc. They did not cut the defense programs the pentagon says they don’t want or need. No, they cut food stamps. No wage offset, no retraining. Former manufacturing workers now on food stamps. Part time hiring up.
Always hit the people who don’t have lobbyists or big election gifts.

Making the world safe from BANKING
Congress and Obama have stopped fighting Wall Street during this contribution period called the 2016 elections. However, the problem of leveraged gambling without consequences still hangs over this planet. Closer than global warming as a threat, leaders of the world’s financial system have not taken the necessary steps to keep the world safe from BANKING, according to Mervyn King, former head of the Bank of England. “The financial system, King reveals, is still wired so that a handful of well-connected people capture the benefits from risk-taking while the entire society bears the cost.” Bankers and regulators use ‘complexity’ to defeat serious change. King’s solution: let investors who give the banks money to gamble take the hit when they lose. Keep deposits separate!


What does the NEW Republican Party stand for as of May 2016?
Limit rights of immigrants, non-Christians, Muslims, gays, Asians, protesters, press
House GOP votes to let contractors discriminate against certain people GOP dislikes
Tax breaks for wealthy; cut funding for un-wealthy, poor, seniors, underemployed, etc.
One-time 14% tax on wealthy to pay down national debt.
“I would build consensus, not use Executive Orders.”
“I'm not accepting any money from anybody, not beholden.” until now--Trump Fund
Increase debt and devalue debt and limit defense spending.
Cut regulation of all business activity except when GOP controls women clinics
Regulate all District Columbia activity/spending—end local control of DC budget
AL GOP reversed local control of Birmingham city paychecks
MI GOP reversed local control of Flint water against local experts
LA GOP reversed local control: wants strippers to be over 21 but under 28 and 160 lb.
Climate change is a hoax.
Trade pacts are no good for us and no good for our workers.
Abolish IRS, EPA, Education, Dodd-Frank financial protections
National right to buy and carry any firearms anywhere anytime by anyone age 2 and up.
Reinstate Christmas and Christian observance in schools, home, court, etc
Reinstate Christianity as the state religionbar all others from public office
Replace Obamacare with Health Savings Accounts (tax deduction not coverage).
Resist approving judges for courts (fewest in 50 years) so Dems not make policy
Install state Gov that cuts Medicaid, education, federal support payments, infrastructure.
Trump policy now and then: Unintended consequences is real threat!


Is an immediate annuity right for you?
When your advisor proposes buying an annuity to guarantee income for you in retirement, they may not mention certain facts that you should know. First, an annuity purchase is final – few can be reversed. Second, you will be receiving regular income from your IRA, pension, etc at age 70.5 due to the IRS mandate. Third, many annuities have higher fees and charges than similar income producing alternatives. Fourth, an immediate annuity starts paying you monthly income in return for your cash but is based on current low interest rates. When they go up, you are stuck with lower income.

Do you need a will like Prince forgot?
He did not leave one in plain sight so his “relatives” will spend $ millions for lawyers and courts to get some cash or what they “deserve.” Well if you have that problem, get thee to a lawyery. Or make your own for $55 at Nolo or as little as $35. If you only have a house, car, bank accounts etc in joint name you may not need one. Your IRAs and pensions have bene clauses so they don’t go to probate. Simple asset estates don’t need lawyers—you may pay your state tax yourself. Fed death tax begins at $5.45 million. I read library books to do mine. Avoiding probate doesn’t help with some states: everything is taxed—even retirement funds—unless it all goes to spouse.


Does our President need to be smart and truthful? Do they even care about truth?

Don:    In Trump We Trust: The New American Revolution,” due Aug 23. ‘God’ is gone!
            There will be another 9/11 if we don’t stop Syrians with ISIS phones now!
            Don will cut Medicare and SS benefits “if tax cuts don’t make big surpluses”
            Carson says Christie, Cruz, Kasich, Rubio and Palin for VP. Newt?
            “I will never hire a pollster” pollster hired this week but not admitted
            Talking to Kissinger, 92, 30-year-old-China-policy expert?
            In order to get donor money, I will not take $36 mil to pay myself back.
            I would like to see a White-versus-Black season of “The Apprentice." 

AKA John Miller: It wasn’t me who faked me--Only a narcissist would do that!       Anyway, I am only doing what the Founding Fathers did! Really?

Paul Ryan: “I’ll have my people call your people,” Don can pretend to change Congress.
            My cuts in food stamps make me a hero since poor have no lobbyist to offend
            Paying workers for overtime is “absolute disaster:” we pay too much already!

Hill: We all would like to pay 10% taxes like Don: show us how you do it!
            His Ossining golf course pays tax on $1.4 mil but he claims worth $50 mil.
            His yacht had no NJ sales tax and his Grand Central Hyatt had no profits?

Bern: Why do you pay 33% in taxes and Donny pays HALF or less.
            Here we go again—invading Lybia in name of ‘training’



Regulators are the only protection we have since we can’t sue anymore
            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)
               Supremes stop us from suing—State courts no longer available to sue corporations!

.Raymond James caught not watching for money laundering by clients
. Louis Martin Blazer III, Blazer Capital, used $2.35 mil from athletes by misleading
.MO lets anyone pack w/o permit/training and kill by claiming “threatened.”
. Francis J. Bass, Phila, caught tax fraud on medical settlements fraud

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own


New rule lets business expense any item up to $2,500 – cuts taxes
Effective for 2016 and later, IRS upped the $500 de minimus threshold to $2,500. For small business, writing everything off which costs less than $2,500 is now great way to reduce profits. That’s right, $2,500 a pop. For example, for a food vendor, almost everything they buy, except the truck they use, will cost less than $2,500 so they write them off and pay less tax.

How our government wastes our money
.We pay extra $85 to avoid 3 hour lines at airport. Isn’t that what terrorist would do?
.We pay NFL teams when they honor servicepeople—and you thought they cared!

SCAMS
.MS schools ordered to desegregate after 62 years – unequal education benefits

Who owns your account now?
Time Warner Cable to Charter Communications

IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alerts 

Friday, May 13, 2016

You and I will have to pay their taxes unless

You and I will be paying extra taxes to cover favorite companies’ evasion
New report says US firms are evading $100 billion in taxes and so we must pay. Using a simple computer entry, US multinationals are shifting profits to countries with taxes of 5%. Congress made this legal and lobbyists are unlikely to let them change it. US corporations have thousands of professionals creating tax evasion schemes every year. Even Don Trump does it: $0 taxes in 1978, 1979, etc It’s why he can’t disclose tax returns now.
You and I will end up paying their bills unless we use our tax-FREE account: http://www.amazon.com/Your-Tax-FREE-Low-Cost-Mutual-Funds/dp/1484080920


Millennials don’t trust brokers/advisors so where to invest?
Robo advisors are cheaper: save $590,000 in fees. They are more unbiased but not always better. Advisors don’t look at all your money either. Most investors don’t let advisors have all their money. Compounding your money is crucial but takes time says Buffett. It’s exponential not linear: Your account doubles in the last 8 years: $500,000 to $1 million if you start with just $2,000 for 8 years and allow money to work for you. http://www.saferchild.org/power/. Many millennials have not started saving for retirement yet—Too bad because every year you wait costs you $30,000 later: https://www.amazon.com/Millennials-Investment-Strategy-BEST-Journey-ebook/dp/B01F91BUWG

Your broker/advisor will need to justify BEST deal now
When your advisor makes a recommendation for your huge 401k transfer they need to make certain disclosures and assurances that you are offered an appropriate product at a fair price. New Fiduciary Rules require the salesperson to justify putting your money in their old products. Eventually, they will need to change their pay model to give you a better deal. They will use exceptions to avoid the Rule. However, the better deals are already in the market—they are called non-commission and low-fee alternatives from the not-for-profit firms like Vanguard, TIAA and USAA. There is no reason or proof that a salesperson can give superior outcomes for your long-term investment needs. All the outcomes that the salesperson promises can be had for less with a knowledgeable and licensed advisor on salary at a non-profit:  http://www.amazon.com/Fiduciary-Rule-BEST-dont-anymore/dp/1530980275


Power of compounding to quadruple our savings is missed by most
In average households, 56% have at least a little money set aside in a plan or IRA. About 60% of us have no savings in an IRA or 401k account, according to the GAO. In the top-earning family, retirement savings total $200,000. Among the lowest earners, only 25% have something for later. If every employer offered a 401k, GAO estimates most would be better off later and fewer would end up with only SS benefits which average $1,328 per month at current rates. The irony is that those who need help the most are the most unlikely to use a stock mutual fund at work. Compounding can create a $200,000 nest egg from only $50 a month for 35 years.

Where does a Conflict of Interest lie with your advisor?
A conflict of interest occurs when an advisor/broker/agent has a duty to more than one person or organization. For example, you are retiring from your job and need to know what you should do with your $250,000 401k account. Your advisor has a Conflict of Interest. As a licensed salesperson for a financial firm he or she is under contract to sell certain high-cost products. You meet with them because you don’t know what the financial alternatives are. Should you leave your money with your old company, take a check to the bank, sign up for the advisor’s offer, transfer your money to an independent low-cost mutual fund or broker? You don’t know that their advice is limited to what their firm has trained them to sell. You don’t know what each product will cost (commissions, fees, charges, etc) during the rest of your lifetime. You don’t know whether the plan they offer will actually do what they say it will. Usually you are not informed that there are less expensive products in the marketplace that offer the same or better outcomes. Your advisor is not obliged to tell you about them. They may not even know about the low-cost non-commission ones.
They have a Conflict of Interest. They want to help you (1st party) but they can only offer products/solutions the firm (2nd party) is licensed to sell. Even if you paid them like an attorney, you may not be given all the alternatives. You must do your homework to find out if the advisor’s product/solution is best for you. Get 3 or more estimates like home repairs. Your decision can mean the difference of over 63% of your final nest egg.

Is a Roth IRA conversion right for you?
If you have an IRA, you know you have to pay tax on the distributions—all of them if you took the deductions earlier in your life. You also must take distributions after age 70 even if you don’t need the money and want to leave it to your kids. They have to pay taxes on your money when they receive it also. If you wish to avoid this outcome, you can pay tax on part of the distribution now while you transfer the funds to a TAX-FREE account. After you pay the tax, your future gains—your retirement income or legacy—will be FREE of taxes. This may reduce your taxes on other income like pensions, IRAs and SS benefits. It all depends on your income in retirement.

Recent research indicates lower expense ratios often result in better performance
Expense ratios are the most effective predictor of investment performance, according to “Predictive Power of Fees: Why Mutual Fund Fees Are So Important,” a whitepaper from Russel Kinnel, Morningstar’s director of manager research. Across every asset category, including international equities and sector equities, the funds with the lowest expense ratios recorded the best performance over three, four and five-year time periods. It is not manager research, brochure, tenure, strategy, style, drift, or asset class. It is cost.



Does our President need to be smart and truthful? Do they even care about truth?

Don: Trump’s spokeswoman declaring Ryan unfit for his job. Palin attacks Ryan.
            My plan was wealthy tax cut but now “taxes for the rich will go up somewhat."
            Mr Evil, Dick Cheney, says he will help me bring back torture. VP maybe?
            Christie will run transition team FREE--paid by NJ in no show job!
            In Trump We Trust: The New American Revolution,” due Aug 23. ‘God’ is gone!
            Don will cut Medicare and SS benefits “if tax cuts don’t make big surpluses”


Paul Ryan: I really am NOT running but Trump has not yet kissed my ring.
            Under my RyanCare, only sick people will pay more for care—way more!

Hill: I have a lot to work with here and I could use angry evangelicals on my side.  
            I know Fox will pillory me. It’s perception so maybe 2016 is a Bern year

Bern: My tax plan costs more but helps working people: health, college, SS increases
            Tax rates change but actual amounts paid have only increased on middle!
            Former manufacturing workers now on food stamps. Part time hiring up.
            Middle class shrinks in every region 

Ted: I’ll be back in ’20: “it took 25 years to defeat slavery. That is a lot longer than four years.”



Regulators are the only protection we have since we can’t sue anymore
            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)
               Supremes stop us from suing—State courts no longer available to sue corporations!

.Emma has one of those secret accounts too—Panama Papers names Emma Watson
.KS supremes force state to pay for poor schools despite revenue shortfall
.Jason & John Galanis CA caught stealing $60 m from a Oglala Sioux tribe, SD
.Subaru recalls 50,000 -- steering doesn’t work

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

How our government wastes our money
U.S.-funded Somali intelligence agency has been using kids as spies
IRS to hire 700 after claim of poverty. Congress had cut 5,000 auditors for rich.
Navy boats captured by Iran can’t call, can’t start motor, can’t find way. Get refund?

SCAMS
.TRowePrice caught charging fees so disproportionately large for value of service.
.Medical bill? Fight overcharges—FairHealthConsumer.org, NewChoiceHealth.com, .HealthCareBlueBook.com. Ask why is your charge more than standard.
.Real in-your-face justice carried out by judge—sex sentencing for 30 years?
.Don says voters don’t care how much taxes he pays: “We’ve been Trumped
            He paid $0 tax in 1978, 1979 and more—he will never show us $0 taxes.
.TX will vote to leave the US and become a foreign country. Perry’s picture as Prez?



IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alerts 

Friday, May 6, 2016

Millennials use BEST investment: Earn 11%

Millennials use the BEST investment strategy: Earn 11% not 3.79%
Young people are learning how to invest using smarter strategies. Using retirement and investment goals with dollar targets, they are excited about their life journey. Planning for goals in the future is changing their lifestyles. Company pensions and Social Security benefits are questioned. They realize what they do today changes their long-term outcomes. Many seek low-cost vehicles for their investing dollars. New tools appear daily. For instance, many studies show advisor funds can’t beat index funds. They are weary of ‘professional’ advisors. They can become successful using FREE unbiased knowledge and information so they avoid the mistakes of their parents. 


GOP wants Congress to stop wasting their lives “dialing for dollars”
FL rep says he wants members to stop wasting 30 hours a week fund raising for the next election and concentrate on running the country. David Jolly of Indian Shores, has taken aim at this practice with a bill that would bar federal officeholders, including U.S. senators and representatives, from personally soliciting money for their campaigns. Committee meetings and floor votes are scheduled not to interfere with fundraising time for members, Jolly told "60 Minutes." A Congress person’s campaign staff will keep raising money for him. All have super PACs and lobbyists to get elected. The pressure on members of Congress to raise money has intensified since the U.S. Supreme Court's 2010 Citizens United decision, which allowed corporations, unions and individuals to pour unlimited amounts of cash into elections.
Is it likely that Congress will get more done if they are not dialing all day?

Buffett bets against hedge fund manager Winner takes $1 million
Warren Buffett made a million-dollar bet with investment firm Protege Partners that an index fund could beat a portfolio of funds of hedge funds selected by Protege (the proceeds of the bet will be donated to charity). Buffett’s "do-nothing" strategy of indexing is trouncing hedge funds 63.5% to 19.6%. Over a 10-year period commencing on January 1, 2008, and ending on December 31, 2017, the S&P 500 will outperform a portfolio of funds of hedge funds when performance is measured on a basis net of fees, costs, and expenses.
Use Buffett’s “do-nothing” strategy: http://www.amazon.com/THE-Hard-Part-Investing-Allow/dp/1500941425


GOP House gives itself $90 BILLION pork and CUTS support for troops
What ever happened to the old Reagan party and the new Teas out to cut gov spending? The GOP spending seems out of this world, any world. $90 BILLION for new pork to members of the GOP, especially in states where GOP elections will happen. No money for Flint pipes or other infrastructure jobs. Cuts to the troops for food and ammo makes no sense unless this GOP-made emergency will help Don pass any Obama-program gutting he wants to set the pace early. The really fantastic world GOP lives in contains shifting ISIS-fighting funds to weaponry the Defense Dept says it does NOT want! You cannot leave war to the generals they say. Wow!
That is how the GOP will ice the future deficit for our kids. American values!
Don’t get stuck with the taxes to cover GOP pork: http://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520


How will your state deal when the 1% moving to avoid taxes
FL has no income tax and some wealthy people are moving because Congress asked them to pay their fair share on oversees money and it is taxable. Will the schools and roads have to wait for upgrades? Will the Gov cut staff and unnecessary travel? Can your state make up for the loss of their taxes by increasing sales and use taxes which hit workers? NJ just lost 1 billionaire and the Gov is traveling for a job instead of cutting staff. KS just cut everything in the budget so the 1% can have more. Schools despair in OK and GOP still gives tax cut to rich. Carrier took 1,400 jobs to Mexico instead of to KS despite no tax on business. GOP KS failing citizens. GOP states fail citizens but help rich!
Will you be the last person paying taxes in your state? http://www.amazon.com/Tax-FREE-Wealth-How-laws-free/dp/1475089236


Does our President need to be smart and truthful? Do they even care about truth?

Don: My new advisor, Manafort, is real dealmaker too—Rap sheet is extensive!
            All protestors are thugs and criminals and I will see they get big jail time.
            My supporters think Sanders’ supporters are not Americans: how get idea?
            We aren’t really going to deport aliens—my wife needs them to clean.
            Despite my rhetoric, I just hired Wall Street money man for campaign coffers
            I will reduce US debt by asking China, etc to take less—Social Security too!

Rick Perry: I want to be Don’s VP so I didn’t mean he’s “cancer on conservatism

            You remember what drinking the Kool-Aid did to Jim Jones followers!

Paul Ryan: Under my RyanCare, only sick people will pay more for care—way more!
            I really am NOT running but Trump has not yet kissed my ring.

John: "Do we really think that GOP can win election by scaring Hispanics to death?"

            Don just hired my old Wall Street firm’s money man, Mnuchin of Goldman.
            Establishment GOP can support me since ballots are secret

50 people pay for HALF the election money spent—we don’t know if they are Americans


Regulators are the only protection we have since we can’t sue anymore
            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)
               Supremes stop us from suing—State courts no longer available to sue corporations!

.guns not people kill people: 2 year old kills mom with gun laying around. No safety?
.gun needed for seat in church—during service, he didn’t change seat so killed!
.NRA’s perfect crime: 11 year old shoots armed burglar (meth head) to protect stuff!
.TN allows campus faculty and staff to pack—schools will have NO liability for use!
.If everybody has a gun, someone is bound to get shot—many will get shot to death
.Hospital error has become the most dangerous activity you can engage in. No 3 killer.
.Smartphone app sued by victim of car crash—teen driving while texting DWT.
.Hospital deaths by bad scope hidden from public using dead’s medical privacy law.
.Obama proposes stop to tax evasion, avoidance and ‘cleaning’ money—GOP opposed!


We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

How our government wastes our money
GAO report shows $ 100 BILLION in waste—Congress, Teas, no one wants to save!

SCAMS
Pentagon says the 16 that killed 30 doctors/staff are not criminals since all 16 made mistakes and no one took time to check out alarm calls from doctors “stop attack, we are hospital” or the HOSPITAL coordinates in US fire control computers.
Billboards with cell phone tracking device follow you after taking your data. No controls
Diabetes drug tested for extending life-seniors pay to be in test of Metformin
Pope calls for "severe punishment" for pedophiles but not for his own priests.
TRowePrice sued for overcharging retail fees vs wholesale client for no reason

Who owns your account now?


IAN
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