Friday, April 26, 2019

Are the zero fee ETFs for you?


Are the zero fee ETFs for you?
When marketing firms claim it is free, BEWARE. New firms are promising 0% expense ratio. Read the small print. ETFs were created by brokerage firms to make money on the ‘index’ trend started by Vanguard. Vanguard is sold directly and traders are not welcome. So brokers/advisors can only make money when you trade an ‘index’ they offer. Because of all the money moving to Vanguard for low fees, brokers are hurting. Brokers need fees so note that there are brokerage delayed or hidden costs. Although an ETF may have no expense ratio, the trading cost of that particular fund may be exorbitantly high. Beware the bid/ask spread for newer funds. Beware the tracking error. Zero-fee funds lack a performance and fee history, making it impossible to gauge their tracking error. Beware the promo price. Fees are temporarily waived: investors will start paying full freight after the fee waivers expire. Once they have your money, they may impose 0.30% or more and you have lost your advantage over Vanguard’s 0.04% stable non-profit structure. Brokers are in it for the money. Pay less; earn more, over time.

Trump’s new tax avoidance scheme clarified
Trump’s mob has been working hard to make this tax avoidance plan, called “opportunity zone,” a success in time for his 2020 rerun for Prez. Investors previously shied away from developing ‘distressed’ areas, Trump said, but when they see tax rates “all the way down to a big, fat beautiful number of zero” they start “liking the location.” Nothing gets the election momentum going like the promise of ZERO taxation to his wealthy supporters. The fact that the rest of us are going to have to pay more to cover his ZERO tax plan for the rich, won’t occur to his political base. Momentum is a powerful tool for an incumbent candidate. Investors claim the breaks by taking capital gains income they’ve earned previously and spending it in the distressed areas. This provision allows them to defer those tax bills until the end of 2026, and it can reduce the total amount of tax they owe. New investments in opportunity zones can grow tax-free if investors hold them for at least a decade.

High schools could teach this one chart and correct financial IL-literacy.

$200 a month for 35 years in low cost stock funds = $1.2 million 

My former industry, financial services, could release our schools to offer a basic course in investing but they don’t. For most young Americans just beginning to save in their first jobs, this ‘education’ could be their real life saver. The chart illustrates the Miracle of Compounding. Using a simple analogy of buying a part of all the companies they know, they would see the real returns of asset accumulation. If it is true that most of us don’t have $5,000 saved for retirement, this chart could change our attitude. Understanding that investing just $200 a month could make the difference in the future of the American Dream for many. A simple low-cost stock index fund would be the foundation of their investing strategy. Warren Buffett has proved that most us would be better off if we had learned this simple truth early in life. However, schools are run by political people and they don’t want to rob the industry of their future $80 billions in annual trading revenues. Forced savings (our tax refund) could be an answer since the average refund is $3,000.

Is ‘direct indexing’ right for you?
Change the name and brokers and advisor can sell it. That is the conclusion some investors are coming to. Financial industry has tired of promoting ETFs so they came up with a new name for selling stocks. ‘Direct Indexing’ is just buying a bunch of stocks. The new name is to capture new clients who never realized that you don’t pay capital gains if you don’t sell your securities. If you just buy and HOLD securities (Warren Buffett’s strategy) you can avoid the capital gains of mutual funds. Further, if one of your broker/advisor’s picks goes bust, you can sell for a loss against a gain. ‘Tax-loss harvesting’ is another benefit they claim. DI can shape the outcomes that each client’s goals require, they claim. So what’s old, is new again. Follow the master investor.

Are these ‘worst’ vehicles right for you?
At the bottom of the list of 32 worst new is the Acura RLX, Caddy ATS, Chrysler 200, Suburban, Dodge Journey, Dart, Ford Fiesta, Focus, Infinity Q50, Cherokee, Compass, Patriot, etc. At the top is Fiat 500X, 500, Grand Caravan, Acura ILX. Unless you don’t care about reliability and projected durability according to JD Power and Consumer Reports, stick with the Best Used list by type, user and price: https://www.carmax.com/articles/best-cars-ranking

Can you live on 80% of your SS benefits?
In 2035, SS trustees say we will begin receiving about 80% of our current benefits. Congress is not likely to fix this shortfall since it would require radical change—taxes and or age change. For those earning over $133,000, the FICA tax ends. As Warren Buffett and other wealthy people say, “I'll probably be the lowest paying taxpayer in the office." Clearly, Mr Buffett will never need his SS benefits. But since the average worker’s real wages go down and their boss’s keeps escalating, the answer seems obvious. Ending the cap on FICA tax for the wealthy would help save SS benefits. Workers’ wages have not kept up with their boss’s nor with inflation, so inevitably, they will have to rely on SS benefits MORE, not less. Few working families can afford to create a retirement income to supplement SS benefits. Fewer businesses offer a paid pension and health care package. More retirees keep working—since 2000, more men and women work. Since most of us are not familiar with the miracle of compounding, we don’t realize it is time, not huge savings that make the difference in the total nest egg we could create. $16,000 grows to $1million. Schools can teach it!

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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!

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How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
GOP Tax Cut. The cost of interest on the national debt runs $896 million each day.
Your portion of this debt is $65,600: Avoid the future taxes to pay the debt and interest.

SCAMS/SPINS:
Trump’s Treasury Mnuchin etc sued by Sears to retrieve ‘stolen assets.’
Russia has your vote, thanks to Don: Between hacking machines and media, no defense.
Trump fails to back ‘violence against women’ resolution again. GOP OK with abuse.

National Asset Management caught breach fiduciary duty: wild trading—fine, no jail.
Robare Group caught failed to disclose conflicts: ‘kickbacks’ on sale of Fidelity funds.
"Jeb" Bashaw, star TX broker, caught ‘borrowing’ client funds—fired but no jail

Scammers as CEO tell HR to send your pay to their bank: Watch your D Deposit close.
Prosper Funding online lender caught overstating returns: fined $3 million, no jail
Fiat recall 2013-16 320,000 Dodge Dart: rolls away by self; defective transmission cable.

It took 32 kids’ deaths for Fisher-Price to recall “Rock ‘n Play Sleeper”: capitalism kills.
Professional opioid drug pusher charged finally: killed 400,000 of us since 1999. 

Some 11 brands of bottled water with arsenic have been sold in stores; stick with tap!
8,000 Boy Scout leaders have been accused of sexual abuse: law ignores so no jail time.
Parents robbing kids of mature independent future. Will the kids take care of parents?

MyPillow caught using fake research to claim ‘better’ sleep: fine is just cost paid by us.
Caddy headlights may not work: Buyers never told like ignition switch; GM knew.


GOP near WH:  A normal person would have been indicted for this.” ‘obstruction stuff’
If you ignore Congress subpoena or a Trump judge’s order: Trump as dictator.

1. “Russia, find Hill’s emails” 2. Don’s Mob made Russian deals 3. Russia tricked voters 4. Polling data payoff 5. Special Russia deals 6. Fire FBI 7. Refuse give testimony.

REDACTED Mueller Report here: https://thehill.com/policy/national-security/439485-read-muellers-redacted-report: tell lawyer to stop probe, stop probe, mislead public.

Trump: ‘nobody disobeys my orders’ except when unlawful, he forgets, it’s Ivanka.

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:
Some employers offering more education benefits: where “you can thrive.”

Who owns your account now?
Is Jeopardy fixed? Gambler knows everything: memorize the cheat sheet?
Half of all mutual fund investments went to Vanguard: low-cost =  earn more!

Miracle:
When you say “I can’t do it,” remember Sara, winner national handwriting competition.

Philip Morris sells ‘death’ sticks AND now life insurance. How’s that possible?

IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts 

Friday, April 19, 2019

Trump to corporations: ‘Don’t pay ANY taxes like me’


Trump: ‘Don’t pay ANY taxes like me’
The companies that paid nothing in taxes were “able to zero out their federal income taxes on $79 billion in U.S. pretax income,” according to this study. Lowering the rates and using various loopholes, subsidies and credits, Trump eliminated “$20.7 billion in the federal revenue last year” according to the Institute on Taxation and Economic Policy. Amazon, Chevron, Netflix, Eli Lilly, IBM, General Motors, etc are reaping tax cut benefits and paying nothing. John Deere, for example, reported earning $2.15 billion in U.S. income before taxes. It owed no U.S. taxes in 2018 and reported the government owes the company $268 million because of various deductions and credits, the report says. We pay for Deere’s profits! The cut in the corporate tax rate alone will save corporations $1.35 trillion over the next 10 years, according to the Joint Committee on Taxation. The cost of interest alone on the national debt runs $896 million each day!

Taxes not done? Pay and get extension: https://www.irs.gov/pub/irs-pdf/f4868.pdf

What does it take to build a comfortable nest egg?
Time: Make Money the Old Fashioned Way. Fidelity analyzed its accounts that produced the highest returns. They found that account holders that did NOT 'manage' their accounts or died were the most successful. You can earn more in your investment account by NOT touching your money. When you let someone 'manage' your money they tend to waste it and then charge you to boot. Warren Buffett's teacher, Benjamin Graham, once said: Buy stocks like you buy groceries not perfume. Just buy the stock market index and keep buying. You own the most profitable firms worldwide. Recently, Warren Buffett has proved this strategy. Buffett made a bet with a hedge fund manager for $1 million 10 years ago. Buffett's strategy earned over 7% a year versus 2.2% for Wall Street's 'best and brightest.' He won!  Time and buying a broad group of stocks is what it takes to build a nest egg. Over 30 years, the index earned 11% a year vs 3.79% for a ‘managed’ account.

Do you really need an emergency fund? Make it tax-FREE
Nearly 3 in 10 of us dip into our retirement savings, according to Transamerica. Common reasons for taking 401(k) loans or hardship withdrawals include paying down debt, unplanned medical expenses, and paying for higher education. According to Forbes.com, most of us are taking vacations that we can't afford. One study they quote says that 74% of people say they'll go into debt to pay for their vacation. On average families spend 10% of their annual income on vacations! These withdrawals may get you through a tough time, but they also destroy the growth of your retirement savings, and you could pay penalties on these distributions. You're better off setting aside money for emergencies in a separate mutual fund. Aim to have three to six months' worth of living expenses. When we take from our retirement funds, we destroy the miracle of compounding in the future. We could end up with less than $5,000 in retirement, according to a Northwestern Mutual study. Statistics show that 80% of working people are living paycheck-to-paycheck. Time is the key to compounding and starting over after an emergency devastates a nest egg. Compare how long it takes to catch up with our savings if we have to start over or start late from this graphic: http://www.saferchild.org/power/

10 Best Used Trucks Under $10,000
New trucks cost a fortune $60K. They have a large profit margin for makers. Snatch a 2009 Super Duty F-Series XL with a 5.4-liter V8 for just $9,856. Check the 2008 Professional Grade GMC Sierra 1500. Watch for a 2007 Chevrolet Silverado 1500 Regular Cab or a 2005 Ford F150 Super Cab Pickup for under $10 grand. See a 2009 Nissan Frontier King Cab or a 2012 GMC Canyon Regular Cab for younger ride. I like the 2007 Honda Ridgeline for $9,900. Don’t forget the 2010 Ford Ranger or the 2008 Toyota Tacoma for better highway mileage. #1 worker is the 2009 Toyota Tundra V8.

Many corporations pay NO taxes!
We pay their tax bill, eventually—debt is now $22 Trillion and counting—a $65,600 per person. Avoid future tax increases. You may not have started work with a $100-200 million boost from your father like Trump, but you can create your own tax-FREE stream of income like his. Clearly the Trump tax plan helps businesses and the wealthy. 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. 
       With the recent increase in the national debt, you can avoid the future tax increases that are sure to strike most working Americans. Many American corporations and wealthy people have moved their wealth, corporations and the good-paying jobs to other countries. Many avoid taxes with complex tax shelters and subsidiaries
       Luckily, there is a way for you to avoid paying their taxes. You can use a FREE special IRS-approved tax shelter to protect all your savings and investment earnings. You can build a $1/2 million fund by investing $250 a month over time. You can use the tax laws for your benefit like the people in the top 1% income bracket do!

New Jersey insists brokers/advisors MUST give us ‘best available options’
Under the New Jersey regulation, brokers would have to make recommendations about securities and provide investment advice "without regard to the financial or any other interest of the broker-dealer, agent, adviser, any affiliated or related entity … or any other third party." Brokers also must recommend the "best of the reasonably available options" when opening or transferring assets to a specific type of account or suggesting that clients purchase securities or other investments. The proposal also states that disclosing conflicts of interest is not enough to comply with the rule.

Trump new tax avoidance scheme for his buds
IRS has published the new regs for avoiding taxation for Trump’s family and friends’ ‘opportunity zone’ investments. They get to delay taxes. Ivanka and consort Jared have already jumped on this at the Jersey shore. It offers massive tax breaks to developers who invest in ‘downtrodden communities’ like Long Branch, N.J., where oceanfront condos list for $2.7 million. Investors who have capital gains from previous investments can defer taxes if they move them into Opportunity Zone projects. And they can permanently avoid paying taxes on any new gains from investment in the zones if they hold onto the investment for a decade. Thus Trump’s family and friends have set themselves up for FREE money for their future.

Study over 30 years show how to live healthier
The results showed a correlation between healthy behaviors and cardiovascular issues: Women and men who maintained the healthiest lifestyles were 82% less likely to die from cardiovascular disease and 65% less likely to die from cancer when compared to those with the least healthiest lifestyles over the course of the roughly 30-year study period. The study suggested that maintaining these five habits could add up to 10 years or more to a person’s life: 1. Maintain a healthy diet 2. Exercise daily 3. Keep a healthy weight 4. Limit your alcohol intake 5. Don’t smoke.

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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!

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How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
GOP Tax Cut. The cost of interest on the national debt runs $896 million each day.
Your portion of this debt is $65,600: Avoid the future taxes to pay just the interest.

Can Wash actually do something? How about stopping robocalls? Lobbyists say ‘NO’

SCAMS/SPINS:
Trump to end new overtime rules: Workers lose $1.2 billion under Trump rule.

TX claims huge voter fraud problem: 3 cases actually prosecuted; Political trick!

Lobbyists tell our Reps to make tax prep harder not easier: More pages; more profit
Trump to cut funding for disabled persons using excuse ‘cut administrative burden.’

Who pays for $500 Billion healthcare ‘administrative’ costs? We do, like another tax.

Erica Salda Wendy Foster CA caught stealing $ millions from elder: intimidation.
James Schwartz, NY, caught churning clients accounts lost $660,000 banned; no jail

CMFG Life Insurance WI caught shorting life insurance payout to beneficiaries
GE finally pays fine for selling defective mortgages in 2007-8. Many lost home/savings.
Etienne Allonce, Med Solutions, NY caught stealing $10 million from Medicare

Alexa workers listen to your family talk: BEWARE tapes may show up at your trial.
2010-14 Prius electric still fails: recall fix did not work

It took 32 kids’ deaths for Fisher-Price to recall “Rock ‘n Play Sleeper”: capitalism kills.


1. “Russia, find Hill’s emails” 2. Don’s Mob made Russian deals 3. Russia tricked voters 4. Polling data payoff 5. Special Russia deals 6. Fire FBI 7. Refuse give testimony.

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:
Studies say playing vid with friends more important than study in library. Who, not what?

Who owns your account now?
Doctors want to improve ObamaCare: protect and extend coverage for all is goal.
Adults tell how to improve financial wellness: easy advice to follow but takes vision.

Miracle:
Nuns get away with child abuse too: “we would have sex. Not a relationship, sex.”

Even one dog can make a difference: https://www.youtube.com/watch?v=vjpLTT3WzAw

Listen Don! Houston police chief says deporting child without family is what Nazis do.


IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts

Friday, April 12, 2019

How much does it really cost to invest?


How much does it really cost to invest?
Warren Buffett suggests we invest in two low-cost funds at Vanguard for life. He thinks John Bogle, Vanguard founder, was right—low-cost investing beats Wall Street advisors over the long term. Trading securities does not pay unless you have insider information (which is illegal, except for Congress). Bogle calculated that, over our investing lifetime, that little 2% broker/advisor fee will erode 63 percent of what you would have had. As Bogle puts it, “the tyranny of compounding costs” is overwhelming. Do the facts back up these claims? Buffett bet $1 million on the Vanguard 500 Index and beat 5 hedge fund strategies from 2008-2017. DALBAR tracks investments over time. They found that a simple S&P 500 index fund earned 11% a year over time while the average equity investor using a manager earned just 3.79%. “Cost matters” as Bogle used to say.

Trump tax returns may not reveal his hidden tax avoidance schemes
Since the 70s, Trump has been paying accountants and lawyers to hide his income and net worth for tax and negotiating reasons. With over 500 subsidiaries and entities, his situation may be difficult to understand from tax returns. He has been involved with foreign entities and shady characters for many years. Trump uses the alternate American tax system—the one designed for the wealthy. Tricks and perhaps illegal financial practices have stumped his bankers and auditors. His specialty is real estate which is one of the best methods of avoiding income taxes. When you buy a building with a loan, you can deduct from rents all the expenses and maintenance and ‘depreciation’—the full cost the building can be used for years to provide tax-free cash. For instance, in 1995, Trump paid no tax on his income of $10,846,076 because he had ‘paper losses’ of $915,729,293. That $ BILLION ‘paper loss’ would enable him to avoid taxes for up to 18 years. Each entity can have ‘paper losses’ for years. Plus Trump wrote off his loans for his bankrupt casinos, resorts, and buildings. And Mr Christie, Gov of NJ, even cut his casino taxes from $30 million to $5 million. Even his profitable golf firm in Westchester worth $50 million on some of his statements pays taxes on only $1.4 million tax assessor’s value. Jared has his own little tax avoidance gig going on too. He’s in on Dad’s new tax scam.

Is it too late to file taxes?
Before spending $200-400 for a paid preparer, try filling in the screens using the IRS partners at irs.gov https://apps.irs.gov/app/freeFile/. The instructions are easy to follow especially if you have last year’s return to compare what forms you need. I have found https://www.freetaxusa.com very easy to negotiate and respond to email questions. This one charges only $15 for your state return: Fed is free. It is still $15 when as complicated like mine. Basically, you must pay tax on all your taxable income—wages, pensions, etc. This year you have less to deduct because the standard deduction was doubled. Beware some software glitches. However, you lost the personal exemption of $4,050 for yourself, your spouse and each of your dependents. For each child under age 17 you receive $2,000. In high property tax states—NY, NJ, CA, CT, etc you will probably owe this year. The deduction cap is now $10,000 and the average homeowners in these states pay about $20,000 property tax. The law was written by a Rep from a Red state.

Use your tax refund to create a $1 million retirement fund
Michele had trouble saving. She seemed to always be waiting for her next paycheck. She never had enough to save for a rainy day like her Mom did. She used to make about $35,000 as a shop manager but with federal, social security, Medicare and state taxes, unemployment, disability, and health insurance, she was not able to put anything away for retirement. Years ago, her local tax preparer suggested she use her tax refund to create a retirement fund. Usually Michele would use her refund to pay bills or buy something special. The tax preparer said that if she agreed to start an IRA with $2,000 of her refund, she would be able to increase her refund--Uncle Sam would help her save. The amount she invested would reduce her income and make her refund larger. Each $2,000 would grow over time if she left it in stock mutual funds in her IRA account. Over time, it can grow large enough that she will have enough for retirement. 

Are you driving the best car for under $30,000?
10 Most Comfortable Cars Under $30,000: Volkswagen Passat has one of the roomiest back seats in its class. Kia Optima added a suite of driver assists as standard equipment. Hyundai Sonata offers a wide range of models and powertrains to match your budget. Buick Regal Sportback has liftback body in addition to its upscale feel. Chevy Malibu has exterior style to go along with its comfortable interior. Subaru Legacy Outback offers the rugged good looks in a useful wagon body style and dependable all-wheel drive. Nissan has answered critics of bland styling with an all-new Altima. Toyota Camry’s great resale and dependability make this comfortable 4-door sedan a contender. Solid handling, low ownership costs and high resale value all add up to a winning formula in the Honda Accord. Chevy Impala has plenty of room front and rear and stellar infotainment. Save up to 40% on a 3-year old model: quality and VALUE.  

Is Medicare for All right for you?
Medicare is not socialized medicine. Socialized medicine is where the government owns the hospitals, owns the labs, owns the MRI and CT machines, and all the doctors and support staff are on the government payroll. That’s not what Medicare is. In our current political fight, some GOP are using old fears of Russian-style ‘socialism’ to discredit the discussion of finding a more effective system of medical car and payment in America. Medicare pays for the high-cost end-of-life expenses and high-cost chronic conditions. Yet, users pay only $135.50 a month from their SS benefits. For-profit plans cost over $400 a month if you can find one in your state. Medicare is national: You pay $185 per year in 2019 for your Part B deductible. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services. Some buy an Supplement for these. Your hospital coverage (Part A) is usually free. If you have not paid for Part A during your working life and you buy Part A, you'll pay up to $437 each month. Part C pays for drugs and costs vary depending on your needs. Congress could change the law and negotiate the costs for all of us so our costs are in line with all the other countries in the world. Some pay 50% less than we do for US drugs. The reason we do not have Medicare for All now is simply money. The clerk at my for-profit health insurer decides which procedures and care I receive. The company CEO makes more bonus if the clerk excludes some treatments and procedures. My doctor and I have little to say in it. Lobbyists get $160 Million to tell Congress: “NO MedicareForAll”

Did you know your mutual funds make money even when the fees are ZERO?
When you invest in a fund, the manager buys your share of the stocks in your fund. For the Vanguard 500 Index Warren Buffett recommends, it owns shares of the top 500 companies. Because most investors are earning 11% a year over time, the stocks in your fund are held a long time. Your fund then loans the stocks out to other institutions that need them temporarily for a rental fee. This fee is what allows most funds to charge 0.04% or less. If your fund has millions of shares, they can make a lot more than your fees. So fees are falling and some are charging ZERO. However, depending on your agreement, you may be giving up your information and perhaps good service. So you may find ‘free’ is not really true. Some firms could start charging you after they get your money. Some could start using your information or selling it to target you for sales of other expensive products. Best Robo-Advisor is low-cost and unbiased advisor.





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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!

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How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
Trump having a hard time finding the kids he wrenched from families: Cost $1 Billion
Trump told border agents to stop entry; close border: supervisors said ‘no’, follow law!
Violates own oath of office to uphold constitution and laws of US. Dictator orders illegal

SCAMS/SPINS:
Scott Klor caught involved in life insurance scheme not reported to firm. Fine no jail.
Law about Trump’s taxes is ignored by GOP, DOJ, Treasury, IRS. Trump above the law?
Wall funding reduces armed forces readiness: Pentagon shifts from regular needs.
Trump projects his USSR involvement on Dems: “Treason” when disagree on WALL?

Advertising agency Publicis employee sues Fidelity for 401k overcharging/kickbacks.
Financial crisis from corporate leveraged loans: Trump gutted regs learned 2007-8.
Richard Booy IL caught Ponzi $2 million from seniors promised guaranteed returns.

BEWARE: 95% Of Bitcoin Trading Volume Is Fake—‘pump and dump’ is it’s normal

Anthem Health caught overcharging employees 401k records and funds. Fine, no jail.

Elder joint brace scammers caught stealing $1 Billion from our Medicare fund

Most of us will live longer: Your-Plan-Live-Age-100/dp/1548180793
Famous Black Hole in universe where nothing can escape except radiation around it.

Trump blames Obama for putting kids in cages: he claims he stopped it! INSANITY
1. “Russia, find Hill’s emails” 2. Don’s Mob made Russian deals 3. Russia intel tricked voters 4. Polling data payoff 5. Special Russia deals 6. Fire FBI 7. Refuse give testimony

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:
Why people don’t vote: Reps get to Wash--subsidize largest corporations Boeing GM etc

Ex-Pope blames society for child abuse: ‘seminaries filled with “homosexual cliques.”’

Who owns your account now?
Ameriprise Financial Auto & Home to American Family
Wells Fargo’s retirement plan services to Principal Financial Group 
First time home buyers: Look before you leap to be successful at BIGGEST buy! 

Miracle:


Woman has bees living in her EYE: Miracle they were alive and so is woman.

7-11 store owner caught teen stealing food: not arrested—Mr Singh fed the hungry.
IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts