Friday, February 22, 2019

Trump’s own Socialism: he pays no taxes and gets all the elite perks just like Putin


Trump’s own Socialism: he pays no taxes and gets all the elite perks
In 1997, Trump paid no taxes on income of over $10 million by claiming he had losses of (deductions) of $1 Billion ($915,729,293). He could carry the losses forward to avoid taxes over 18 years. He declared that he is a hero for not paying his fair share during the election debate. In 1978 he claimed he lost $406,379 in business so he paid no taxes despite living the lifestyle of a millionaire. Now he says he is against socialism. But he and the wealthy enjoy the advantages of American socialism. He got out of his debts by claiming bankruptcy 6 times. He stiffed his workers on casino and building projects. His ties to Russian organized crime and money laundering show a mob boss pattern. He did not pay his taxes on casino profits in New Jersey. He used money others contributed to his charity to pay fees. If you or I did these things we would be in jail. Trump’s Socialism creates a society where the rich live ABOVE the law and most of us live under the law.

Is the Tax-refund Millionaire plan right for you?
If you begin this year, you could have a retirement nest egg of $1,000,000 by just investing your refund. Yes, it takes time and commitment but think of your future. Based on the historical returns of a low-cost market index fund, you can reach that goal in 34 years. If you have 27 years, you need to invest more each month or settle for $500,000. If you have 21 years, you could have $250,000. What you see here is the Miracle of Compounding. You invest the same amount $250 a month. You double your nest egg between 27 years and 34 years. You are investing the same amount during that period but the previous years’ earnings are also growing at the market rate. You can check out how money grows by using this calculator: moneychimp.com/features/market_cagr.htm. If you had started in 1990, your stock investment would have grown at 10.79%. In fact over any 10-year period, your money would have grown more than any other asset—bank, bonds, real estate, commodities, gold, silver, almost anything. All your future earnings are tax-FREE too.

Amazon with $11 Billion profits given a $0 tax bill!
How is it possible that the most profitable corporations—Amazon, Google, Apple, Facebook—pay no taxes and we, making much less, pay more? Congress writes the tax code—not Trump, not IRS, not Treasury, not CIA. Your Congress person and mine. Congress gave in to their lobbyists who wrote special credits and exclusions. Amazon used various unspecified ‘tax credits’ as well as a tax break for executive stock options. This would be the second year in a row that the company has avoided paying federal taxes, despite being valued at a whopping $1 trillion. The average American pays $10,489 in "personal taxes," representing 14% of the average household's total income. This includes federal and state income taxes, as well as other taxes such as personal property taxes, vehicle taxes, and certain other small taxes. $8,367 of this amount is federal income taxes, $2,046 is state and local taxes, and $75 is other small taxes. It is no wonder we have little saved for retirement.

What do we invest in during retirement?
Let’s say you have $500,000 in your tax-deferred retirement accounts—traditional IRA, company pension, 401k, 403b, etc. (rolled over to IRA). You reach age 70 and must begin to pay tax on that money.  The IRS tells us how much we need to withdraw from our accounts so we can pay tax on it as regular income. The amount is about 3-4% of the total balance of all our deferred accounts as of the end of the previous year. Our example: $500K x.04 = $20,000. Tax may be $2,800 including state tax because this amount (RMD) may cause our SS benefit to be taxed. Our goal is to stay ahead of this Required Minimum Distribution by earning more than the 4%. Banks can’t help us so we must go to securities. Unless we are really lucky and have bonds and stocks that produce high yields and dividends, we need a solid balanced (stocks and bonds) fund. Preferably we don’t want to pay high fees and commissions for this fund so we actually keep over 4%. Several firms offer low-cost funds. Vanguard made its name on low-cost funds.

Do you need a car that goes 200,000 miles?
Consumer Report says your best bet is Camry, Accord, Prius, CR-V, Sienna, Civic, F-150, Suburban, Outback and Forester. Almost any car can make it to 200,000 miles and beyond, if you spend enough money on it. But that's not necessarily a good idea. It's better to buy a safe and reliable model, and then properly maintain it. Make sure you follow the maintenance schedule in your owner’s manual, and take care of minor problems as they arise. If you need a reliable vehicle, remember that many new cars lose up to 40% of their value in first 3 years. Most unbiased advisors will tell you to find the bargain at the used car lot of a prominent dealer. I found my bargain at a Ford dealer after looking at every offer listed in my price range $12,000 on cargurus.com, truecar.com and autotrader.com. Mine had some minor flaws so I was able to know off $500. I also re-shopped my car insurance since insurers change rates so often. Check usage-based rates.

What can physics tell us about a volatile market?
I am reading Breakfast with Einstein by Chad Orzel. In his description of the how our objects can be solid if they are made up of all those subatomic particles that constantly move, he explains their relative positions can only be understood as ‘probabilities.’ The fact that steel is solid in my lifetime does not mean it will be forever. It is an alloy of elements such as manganese, chromium, nickel, tungsten, and so on. Basically, steel is an iron-carbon alloy that does not undergo eutectic reaction. It is mass produced using sophisticated processes that take advantage of how atoms and particles act together. But all matter/energy changes over time and we use the combos that have a high probability of stability for a while (unlike nitroglycerin which can release a lot of energy quickly at a little jolt). Now I understand Zhou Wang’s Quantum Uncertainty in Investing: You can earn 3.69% or 11.11%. The overall market is like the steel while following one stock is like the electron particle that moves all the time. There are so many forces acting on one particle (stock) that it can only be ‘followed’ with probability tables. The total market probabilities are higher. Over time, the market grows by 10-12% a year.

Can our society survive when the most fortunate never pay taxes?
2018 was a good year for the wealthy. One made $7.7 Billion in 2018 by charging other wealthy people 2% plus 20% of the first total earnings. Most hedge funds earned over 8% while the broad market lost 6.7%. But the owners are already wealthy and so they attract more money despite the poor long-term track record. Buffett recently beat some fund managers’ strategies with his bet on the broad market returns (11%) over time. My guess is many wealthy people stay invested in the broad market stocks like Buffett does. Even when they have a down year, they still become richer by holding on to their investments. Plus most of them have paid specialists to use tax-avoidance techniques not available to us. How could they NOT become richer? They earn more on their assets because they pay little or no taxes. We could become richer TOO if we paid ZERO taxes. Many like Trump’s friends and family pay nothing so they add another 20% to their wealth every year. The heads of our corporations now earn 312 times a worker’s pay up from 30 to 1 in 1978. They avoid tax on most of their pay while a worker pays 14% in 6 tax areas. They even obtain tax breaks from our cities on each location. Wealth inequality will eventually become untenable in America like it has in every society in history. When the winners take all—90% of all our assets—bad things happen. More workers realize the dream is closed to them.


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

Make America, “The Don”, Great Again
Truth isn’t truth, his lawyer says


Two Americas: A Banana Republic? Do we really want an infant king? Daddy Putin!


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

How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
AZ law makers have immunity from arrest for their law breaking: how about us?
Trump lied: more troops STAY in Syria—guerillas regroup to fight again.

SCAMS/SPINS:
Forget the B.S.: Read the ‘Green New Deal’ resolution for yourself—just 1 page.
Why Trump calls ‘media the enemy of the people’: ‘Truth is not truth’ it is what I say.

Trump mob violates disclosure like Jared but just says ‘sorry’: no fine, no punishment.

21,000 give money to online ‘friend’: lost $143 million. Few caught, no refunds.
Bruce Worthington, MA, caught stealing $100,000 with fake returns, docs: fine no jail.
Franklin Templeton Funds overcharged their own employees too: $14 million fine.

Cardinal Theo McCarrick caught child sex abuse, cover up, misled us, lied: no jail time.
Survivors: You are “murderers of the soul.” Priest “made me get 3 abortions-no condoms  

Smollett fakes attack because he is “dissatisfied with his salary!” Just ask for a raise?
Who can you trust? Top Merrill broker caught overcharging $2 million for years: Jailed.
Old scam comes to ‘life’: Using ‘young’ person’s blood does nothing about aging.

I didn't need to do this," on declaring the emergency. "But I'd rather do it much faster."
Scam the stupidest people in his base,” according to Coulter on Emergency Border $B.
How can we re-elect this fellow? Polls say yes. A challenger might take some his 44%!
“If we could get the Klan to clean out D.C. socialist-communistsAL newspaper owner.


Individual 1” could be a Russian “asset”: Why FBI opened a file on The Mob Boss.

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.
‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.
----------------------------------

Jobs:

  

Who owns your account now?
Survivor help-group provides support on financials: https://www.wingsforwidows.us/
Shopping car insurance pays: 75% shop once over the past five years; 40% in the year.

Miracle:

Priests abuse & torment deaf kids: who is in charge? Pope condones abuse? No jail time!


IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts available at http://dankeppel.blogspot.com/


Friday, February 15, 2019

Refunds are smaller: We’re paying for Jared’s refund!


Refunds are smaller: We’re paying for Jared’s refund!
Trump’s gift to his wealthy friends and companies will cost each working person more. Tax refunds are running 8% less this year because Trump cut deductions for working people as well as property and state taxes. He added 6 more Schedules to file taxes so he could claim you can use ‘postcard’ 1040. It’s NO postcard and preparers charge by the page. Twitter is filling up with complaints from people whose situation has changed radically. A nurse got $1,000 less and nothing changed in the filing. Another person owes $2400 instead of ‘good refund.’ Others made less last year but owe $5,000. We were promised a ‘middle class tax break’ in October.  We are giving a middle-income tax reduction of about 10 percent,” Trump told reporters. "We're doing it now for middle-income people. This is not for businesses. It's for middle." Trump lied again. Compared to 2017 rates, some taxpayers would pay more tax in 2018, even more in 2025, and HALF will pay more in 2027 according to Tax Policy Center. We are paying more because Trump, Jared and friends are paying less or $0 taxes. Instead of creating jobs, the corporations are buying back their stock for larger dividends.

Why do we taxpayers give welfare to profitable companies?
U.S. Steel's 2018 profits shot up to $1.12 billion. Gary IN put US Steel on welfare of $ 47 millions (city and state offered the firm a $47 million tax break package.). IN gave US Steel $10 million in tax credits, along with $2 million in worker training grants. There is no guarantee how many jobs are saved. Gary has already given Steel a property tax break estimated at $35 million over 25 years. Instead of making a jobs commitment to Gary, Steel used the benefits to buy back $300 million of its own stock. This benefits the owners not the workers and certainly not the city or state. Trump’s tariffs on foreign steel don’t help a firm with high-cost steel. Steel re-hired 800 in Granite City. Gary got a worse deal than that at Carrier which Trump boosted. A study of tax breaks on the state’s public finances in the last decade found that state incentives costing about $30,000 per job provided little benefit to Indiana’s economy or tax base. In New York, Amazon quit. Amazon does NOT need incentives—Bezos is rich already. Federal/state funds would be better spent on infrastructure jobs for now. Retraining and apprenticeship programs would help future workers. Funds for corporate Welfare could be for Medicare for All.


Maybe you don’t need a will
Less than 20% of us have the 3 essentials. The folks who have assets usually have them. If you don’t have one maybe you don’t need one. Most financial accounts already specify who gets what. Usually an IRA, pension and brokerage accounts have beneficiary designations. The institution responds to the ‘bene’ on the account agreement not the will. If a home is held jointly it is owned by the survivor. A will is useful to the executor so that you can make sure your wishes are done, like the spouse without a license does NOT get the car. Many children fight over assets but having a will probably ends the discussion. Your possessions may not be needed by the kids and need to be given or carted away. Think about church or charities you want to support. Depending on how long you live a will usually has to be updated periodically. Perhaps that is another reason most us don’t have one. Some people won’t make one because they believe it brings on death. Some others don’t prepare for final expenses for the same reason. Some don’t want to leave a thing to certain family members.

Our work-place benefits are changing—new choices
Some employers are discovering that the old formula for worker satisfaction has changed. Since the age of the workforce may now span 50 years, everyone wants something different. Younger workers may want flex hours. Older workers may want great health care and more retirement fund matching. One size does NOT fit all. Listening to worker needs can lead to packages designed for each group. Some employers help with the student loans. Others fund disaster relief or paid parental leave. Everyone likes choice and employers must pay attention to keeping the workers they have since the market is tight. Chose a tax-FREE or tax-Deferred future.

What Trump destroyed, each state is reinstating to protect us
MD is the latest state to adopt the Fiduciary Rule to protect us from unscrupulous money grubbers. Under the legislation, fiduciaries are required to act in the best interest of their clients, without regard to financial or other interests of the person or firm providing the advice. Seems like common sense but Trump killed the Obama law in his first year. The financial industry wants no limits on its ability to sell products that are NOT the best for us. Recently the Consumer Financial Protection Bureau appointee wanted to scrap a lending rule meant to guard the most vulnerable Americans. Payday lenders could go back to charging 400% interest on temporary loans that end up nagging borrowers for many years. State legislators now realize we need protection from the ‘money changers.’

Did you tell your child how to retire early?
Tax-FREE wealth! We did not have this option when I started working. Today, if you show your young adult that they can accumulate enough tax-FREE money, they could work and then enjoy life without the grind. The hard part is explaining that it takes time. The tax-FREE account has been around since 1997 and I was lucky my boss told me about it in the 2000s. This account can be set up at any financial firm and in many it costs nothing: No lawyer or broker is required. Using the low cost mutual funds recommended by Warren Buffett, it takes just 25 years to accumulate $3/4 million using $500 a month. It takes 30 years to hit $1.4 million—TAX-FREE. Your kin does nothing else—no trading, no broker fees, no market-timing. Automatic investing means they can’t fail. Teach on. Tax-FREE means they will have 25% MORE to live on. $0 Fed/state taxes.

Are no commission ETF index funds right for you?
In the race to recapture revenue from going to Vanguard, the for-profit firms Schwab and Fidelity are try to win us back by removing the commission. ETFs are index funds chosen by management to keep us invested in securities. You can trade 503 ETFs in 79 Morningstar categories (for example, large value stocks). Fidelity matched this explosion at the same time. But do we need 500 choices? The assumption is that we know what will happen in the future and will buy the right ETF. Like everyone who gambles, we are encouraged to place our bets on the favorite of the day. This delusion has caused many ‘investors’ to earn less than the buy and hold strategy. DALBAR, the firm that keeps track of returns, shows us that most of us earn only 3.79% when a simple 500 index fund earns over 11% a year over time. If that sounds like old fashion news, a recent study shows index funds hold more money than the funds run by ‘wise men.’ More investors are learning why Warren Buffett recently won his bet on the 500 Index over 5 hedge fund strategies. Trading and fees rob us of the Miracle of Compounding. John Bogle founder of Vanguard told us that trading and fees can take up to 63% of our possible accumulations over time.



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

Make America, “The Don”, Great Again
Truth isn’t truth, his lawyer says


Two Americas: A Banana Republic? Do we really want an infant king? Daddy Putin!


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

How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
CA National Guard goes home: NO crisis on border—must be in Washington.
50,000 refugees in camps guarded by soldiers: separated children—Is this America?

Veterans who fought for our country were deported: Dems bring them back as heros!

SCAMS/SPINS:
Senate passes bill declaring lynching as hate crime—it took 200 years: Will Trump sign?

5 for-profit firms control health for over 125 million Americans: Cost going up or down?
Drug firms claim their high costs are needed for new drugs: actually we pay for them.

Jared’s investment failure bailed out by Qatar: now Trump owes Qatar big time.

Trump tariff sending more farmers into bankruptcy: Trump helping corporate farms grow
IRS pursues fewer cases of tax evasion than it did less than 10 years ago. Rich get richer.

Ford 150 recalled: downshift to 1st automatically at high speed—1.5 million 2011-13.
Toyota airbag recalled: shrapnel explosion in high humidity—70,000 2002-5; 23 dead.
BEWARE: Dyson vacs called unreliable by Consumer Reports. Half are pricy ‘garbage.’

Kestra Investment, TX, caught overcharging 3,205 clients $1.6 million: Fine, no jail  
BEWARE: Advisors claim signs of recession but no proof—balanced funds for long haul
Brent Borland NY caught fraud in Belize airport investment scam—jail time.

William Husel Mt Carmel OH caught giving excessive fentanyl doses: 16 deaths’ suits!

We have a history of separating kids from parents? Fear of the next group wins elections.
 Individual 1” could be a Russian “asset”: Why FBI opened a file on The Mob Boss.

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.
‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.
----------------------------------

Jobs:
Retail jobs require us to learn a new language in order to sell to young customers.

Who owns your account now?
Check with the mechanic of your plane BEFORE you get aboard. Any skipped steps?
Medicare for All 1st step—50 year olds can buy Medicare in advance.

Michael Avenatti has trouble: The Don must have a new Cohen. One less challenger.

Miracle:
The Beautiful Poetry of Donald Trump?



IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts 

Friday, February 8, 2019

Trump vows to keep Socialism for the Wealthy


Trump vowed to keep Socialism for the Wealthy
“We renew our resolve that America will never be a socialist country," Trump said in his State of the Union address. But we already are a socialist country … for the wealthy. How else can we explain thousands of corporations and individuals that pay no tax and receive $ billions in subsidies? More than 60% of investors with $25 million or more are investing overseas, Spectrem found. What is their motivation? Tax shelters act as money black holes. America’s system of subsidies is complicated and long lasting. Since the beginning, some people and their companies have received help from a Congress whose members are mostly millionaires. In fact, Congress people are the only Americans who can legally make money on ‘insider information.’ Farmers and corporate farms continue to get rich even though the reason for subsidies ended 100 years ago. Some wealthy Americans have not paid their fair share of tax because they have their lobbyists help Congress make the rules. The current president and his son Jared are specific examples. One of the traits of a socialist society is that the elites get richer as the workers get less over time. Americans think that if you can get away with not paying your fair share of taxes you must be smart. We are in love with the American form of socialism that rewards the elites and socializes their failures. Our tax money bailed out all the big banks and companies that made bad decisions in 2006-7. Ordinary tax payers never get free money from this socialist government. Example: Trump’s business ‘smarts’ ended in bankruptcy 6 times. He is revered for his deal making, a TV star, and now president. The irony is that the president’s supporters are the victims of America’s Socialism for the Rich. Can America survive if the rich get richer and the poor get poorer?

Trump’s 20% deduction applies ONLY to bigger ‘small’ businesses
Final rules on this huge tax giveaway were issued and only Trump and his friends qualify for the 20% deduction—profit bump for ‘pass-through’ to match the giveaway to corporations. Many wealthy people hide their assets in separate entities—LLCs, corporations, partnerships. This is because you only get the assets (if any) of that entity if you sue because you were harmed by that entity. For instance, Trump uses over 500 LLCs in his empire. He uses debt which is deductible. Some use debt as income so they have no income tax. And if the wealthy structure their ventures in such a way that each creates losses, they may end up with a much lower percentage of taxes than the average high income person. Thus a NYC computer coder earning $180,000 but having only the standard deduction ($12,000) will be paying 32% of income ($57,000) while Jared Kushner pays 0%: a refund $ -4,000. The net result is that a small real estate investor (1-3 buildings) gets no break from the 20% deal. Nor can they take advantage of the new Opportunity Zones. For instance, an investor who invests $1 million and sees their investment appreciate to $1.8 million by 2028 would be able to sell at any time after that without paying federal income tax on proceeds in excess of $1 million. This benefits large real estate moguls like Jared and friends who can skip taxes on projects they would do anyway. Regular tax payers pay for the infrastructure they use without paying any taxes. You have a tax-FREE option.
  
How much tax is due on money you inherit?
Most of your inheritance is NOT tax free. The feds and states have different rules. Estate tax is paid out of the decedent’s assets before any distribution to beneficiaries. An inheritance tax is a state tax that you pay when you receive money or property from the estate of a deceased person. Unlike the federal estate tax, the beneficiary of the property is responsible for paying the tax, not the estate. However, as of 2018, only six states impose an inheritance tax. The six states that impose an inheritance tax include Iowa, Kentucky, Maryland, Nebraska, New Jersey and Pennsylvania. Some states exempt some family members. Usually life insurance is tax free unless it was sold to you or it is really a life annuity. If you're the beneficiary of an estate or trust that must distribute all of its current income, you must report your share of the distributable net income, whether or not you actually received it. If property you receive this way later produces income such as interest, dividends, or rents, that income is taxable to you. If you inherit the family home or capital asset like stocks, you owe nothing if sold for the same value at death. If you inherited a pension or an IRA, you may have to include part of the inherited amount in your income. See Pub. 575 if you inherited a pension. See 590-A and 590-B if you inherited an IRA. Essentially, the IRS wants the tax on any tax deferred income before and after death. The only exception is money from a Roth IRA.

Avoid TTax $39.99 Refund Processing fee
You don’t need to spend $40 just to receive your refund. Turbo and other preparers advertise $0 cost filing. But then how does the cost end up over $50? We’ve been had! We want to receive our refund quickly and we don’t want to pay up front so we go for the Refund Processing Fee. Just like the quick refund loans of the past, we are going to pay unconscionable costs for instant gratification. We are misled by ‘$0 cost’ promise. By the time we finish with Turbo, we pay $79.98 or more. Each step of our return adds costs we are not informed about. And another fee to file state return too. I gave up after the first year. I found really free sites like Tax Hawk and FreeTaxUSA on irs.gov/app/freeFile/. One charges $12.95 for state filing. I have been using both for 5 years. My returns require almost all the forms and they still cost $12.95 total. Actually, you can avoid the state charge if you file in a state that has its own free site like New Jersey. IRS issues more than 9 out of 10 refunds in less than 21 days. You can track your refund using our Where’s My Refund? tool.

BEWARE not all ETFs are worth the cost
ETFs are day-traded index funds. As an index fund, the manager has settled on the securities. So why do some ETFs charge us over 1%? Could it be that Wall Street has turned this index fund into another cash cow? This one is a fund of funds and thus has a lot of mouths to feed. People invest in BDCs mainly as income plays because they generally pay chunky dividends. In that vein, the BIZD fund sports a 30-day SEC yield of 9.67 percent. But that can turn south in a minute and you will be stuck with the high annual expense charges. Low cost beats high cost every time.

USA can’t tax it if it’s on the high seas
Another way the wealthy avoid paying their fair share: Put assets on the oceans under tax-free state registry. Some yachts carry $ millions in art. The yacht and the art are inside separate legal entities so that they can avoid personal taxation and legal attachment from lawsuits. Dems may find it hard to tax wealth if it does not appear under a person’s name but under a trust. In fact, the wealthy are laughing at Dems ideas to tax them. Their banks gained from Trump’s tax cut—tax fell to 19% from (2016) 28%. Wealthy got more dividends. You can avoid future taxation also by using an IRS-OK account.


Why pay 12% tax on my 2% interest?
There has to be a better way: I did my taxes and that includes paying tax on my interest from various financial institutions. I keep the money liquid because of the phantom ‘emergency’ that never happens. Meanwhile year after year I have to pay tax on the meager earnings. This year, I found a better way to never pay taxes again. There is an IRS-approved account that allows me to earn interest but never pay tax on the earnings. I can open this account at almost any institution—bank, brokerage, mutual fund, etc. I can take out my contributions anytime without tax. If I never use it, I can spend all the earning later without paying taxes. My family can use this account for any final expenses so I don’t need life insurance once the kids are grown.




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

Make America, “The Don”, Great Again
Truth isn’t truth, his lawyer says
Yes, he ‘coached’ Cohen for Congress, his new lawyer says


Two Americas: A Banana Republic? Do we really want an infant king? Daddy Putin!


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

How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
Trump starts new arms race: Putin orders new missile program to hit Europe Reagan flips
Trump spends most of time with TV: wasted taxes—60% of $1/2 million + free planes
Trump gives up our open spaces in the Interior Dept to big oil lobbyist: more oil fields!
How could $1.8-billion Navy destroyer crash into oncoming cargo ships in 2017?

Trump border troops cost $1 billions and catch very few murders, smugglers, bad guys.

SCAMS/SPINS:
Religionists are wrong: God did NOT install Trump—GOP tricks and Putin’s mob did.

Trucks too expensive—good for GM; bad for us: GM profit rose-dump cars and staff
Keyless cars are natural for theft: you can buy the ‘relay  boxes’ to steal cars for $20.
Cable TV becoming a scam? Watch HBO for $15 not $150.
Name-brand foods and spirits may be scams. Costco Amazon test the experts.

Calm.com to settle your anxiety, sleep, etc worth $1 billion according to brokers.
Capital Securities, ‘Mr T’ confessed to theft of $1.5 million from 2 teachers. Suicide.

Brokerage clients seeking 2nd opinion for more advice: like getting home remodeled.
Edward Lee Moody, VA, stole from seniors/church $6.6 million Ponzi: 13 yrs jail.


Dems try to use Wall money to improve SS benefits for poor retirees

Dear President Trump, this is how drug smugglers get over/under existing Walls.

Trump has friends at Deutsche Bank the Russian ‘money-laundering’ bank.
Individual 1” could be a Russian “asset”: Why FBI opened a file on The Mob Boss.
Trump has done what Putin wants: EXIT NATO, IRAN, SYRIA, INF Treaty, AFGAN.

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.
‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.
----------------------------------

Jobs:
GM fires 4,000 white collar jobs—mostly tech; files new mass layoff notices with state
Ford hires 500 in Chicago to make SUVs: stop making cars and Mustang.

Economic growth is tied to immigrants, 1 in 4 in San Diego foreign-born, Mayor Faulconer

Who owns your account now?
DNA testing service gives your data without your knowledge: your relative does crime?
GE long-term care program gets bonus from corp GE to keep policies alive. 
Amazing! All your data is available on the internet: How to remove from some sites.

SunTrust Banks merge into BB&T with new name but BBT CEO King.

Miracle:

Frozen cat survives in Kalispell: all it takes is a hair dryer.

IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alert