Retirees will need to un-retire and go back to work

 

These money managers have “best” investments safeguards

These managers promise to safeguard your money for the next 10 years using Treasuries or high-yield bonds or gold or real estate. But what if equities regain their glow next year like they have in the past? Buffett’s strategy of buy and hold a low-cost S&P 500 index fund has proved his genius. This index is down 15% this year but in 2009 it was up 27.11% after being down in 2008 -37.22%; it was up in 2003 28.72% after down in 2002 -22.27%; it was up in 1991 30.95% after down in 1990 -3.42% and up in 1989 by 32%. This index provides over 11% over time and reflects every sector of the market. Recently it was dominated by the tech firms since it is structured along the current market capitalizations. But also recently, the Energy index soared. The index fund you pick must be a low-cost one so that you don’t give up HALF your gains to the seller over time.

No safeguards; just hype: https://www.amazon.com/Fact-based-Investing-first-million-hardest/dp/1977574270

 

Retirees will need to un-retire and go back to work

The National Institute on Retirement Security reports that almost 40 million households have no retirement savings. An October 2020 study by the Center for Retirement Research calculated median retirement account (401(k)/IRA) balances by age from Federal Reserve survey data. The average worker will receive about $412 a month by age 66. The average SS benefit is $1,544. Instead of investing in a ‘safe’ 5% investment option, you could use the low-cost S&P 500 index fund and receive $3,491 a month based on the historical average return of 10% a year. Starting late at age 35, you can easily cover your average expenses of $2,479 monthly. Here are the current numbers:

• 35 to 44: $51,000
• 45 to 54: $90,000
• 55 to 64: $120,000

The median retirement account balances will leave the average worker in need of another job during retirement. You could also use a special tax-FREE retirement account.

https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

 

Options for your 401k, 403b retirement money if change jobs

To avoid ruining your retirement fund, there are several ways to preserve your tax advantaged accounts. You may be paying taxes and fees you don’t need to and thus canceling the Miracle of Compound. Buffett regards compounding as the key to his unparalleled asset accumulation of $109 Billion. Compounding is earning money on your money without doing a thing. You give up this strategy if you do not keep your nest egg growing AFTER you leave your job. Leaving your 401(k) account behind in a former-employer plan after changing jobs can cause participants to lose up to $7,000 in fees over the long term. If you keep your account’s tax-favored status by moving your funds from your old employer to a rollover IRA directly, you keep the Miracle working for you. Directly moving money from your old account to your new account by having your IRA trustee handle it, you avoid paying tax and fees on the balance. If you cash out or take possession of the lump sum, you will lose cash and also the Miracle. Example: your 401k is worth $150,000. You lose your job and take the money or you miss the deadline for a personal rollover. First your employer must deduct 10% and send it to the IRS. There may be a fee to close out your account and send you a check.

Use the Miracle: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513/

 

Another way Congress lets billionaires avoid taxes we pay

Ray Dalio money manager and the industrialist Koch family have pioneered philanthropy through the 501(c)(4). More than just a charity, it can avoid punishing taxes so they can become multi-billionaires. They don’t pay their fair share as we must. Congress allows them to retain business control even though giving to charity is supposed to the opposite. When we give to a charity, we don’t get to control the assets we gave. Because the wealthy retain control of the assets they got a tax deduction for, they can use the asset values to influence politics. Corporations can now give unlimited money to candidates and Congressional lobbyists. This means they can control how and where they spread influence. This is the most effective “dark money” political giving tool. We are limited to $2,900 gifts and so don’t even get an audience from out representatives. The C4 structure allows Patagonia’s Chouinard, 84, donated his company to create a new $3 billion environmental nonprofit that will exert influence long after his lifetime. Senator Sheldon Whitehouse, a Rhode Island Democrat calls 501c4 an “increasingly powerful tool for mischief by the mega-rich.” We have one way to avoid paying their taxes.

https://www.amazon.com/New-American-Retirement-System-TaxFREE-ReserveTM/dp/1461030072

 

Is a Health Savings Account (HSA) right for you?

Many working people will enroll in a high-deductible health plan. That means that you are also eligible to contribute to a Health Savings Account (HSA), which has triple-tax-free benefits: tax-deductible contributions, tax-free earnings growth, and tax-free withdrawals when used for qualified medical expenses. This makes them better than even Traditional and Roth IRAs. You don’t give up your contributions each year (Flexible Spending Accounts) and you can use the funds in retirement to supplement your other retirement funds. There may be more health related expenses in retirement than when you were working. This makes this account very desirable. Find out more here.

Max out all your benefits: https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224

 

How much should you invest for a decent retirement fund?

Most people have no idea how much and in which investment option they should be putting their hard-earned money into. Even though we never had a class about this important subject in high school, it becomes a critical and easily answered question. As a 30 year old in my first good job earning less than $10,000, I saved nothing. By 1988, I made about $15,000 and saved about 6% in Fidelity’s popular Magellan Fund because my boss showed me his statement’s gains. From then on I invested in stock growth funds inside my tax-advantaged 401k. Some employers matched my contributions and some did not. For those who did not, I put my now 8% into a tax-deferred IRA, taking the tax deduction which lowered my overall annual income tax. The stock market tumbled a few years but I did not know of any other alternative. Actually I tried to sell all my company fund shares during the beginning of the Gulf War but my broker did not follow my instructions. He tried to sell me a deferred annuity. This would have been a bad choice since the mutual funds soared 31% in 1991. I never used a broker after that. I moved everything to Vanguard since the fees were lower than all the other funds I owned. I stayed in growth stock funds for the rest of my working life. I owned about 10 different broad stock funds and really did well in 2021. I moved 50% of the total retirement funds to a balanced fund in 2000 and 2001 with no commissions. During my once-a-year review, I estimated my retirement income using Vanguard’s Retirement Income Calculator. Years before retirement, I used the Vanguard Nest Egg Calculator to make sure I would have enough to live on. If I started investing today, I would use the tax-FREE Roth IRA account instead. This would reduce my income taxes from other sources like Social Security benefits, which are taxable at my current income level.

 

Make sure you use all your credits and deductions

Certain credits may give you a refund even if you owe no taxes. Because the IRS does not tell you if you missed a credit or deduction and your preparer only looks for a refund of any size, you may be missing $hundreds in refunds. You need a basic knowledge to make sure you don’t overpay. In fact, you may avoid the tax prep fees if you can follow the basic pattern of your tax return from last year. Most people have the same income sources and expenses as previous years. So most income tax filings can be done by you for free with one of the sites authorized by the IRS: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free or volunteers at https://www.irs.gov/individuals/free-tax-return-preparation-for-qualifying-taxpayers.   Saves you $323 or more.

https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382/

 

 

 

?**********ACCOUNTABILITY**************?

 

 

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

 

 

The Path to Dictatorship: 2010-2030

 

Parallels of this era in the past may hint at our future: democracy breaks apart legally

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

Jan 6 2021 Direct assault failed: guns & bombs ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

“I don’t f—ing care that they have weapons”

 

Trump was “detached from reality”

 

Trump used mafia-style intimidation on the defenseless

 

Parscale: “a sitting president asking for civil war.”

 

Trump: “Just say the election was corrupt and leave the rest to me” 

 

GOP fascism: “RINO hunt armed; no bagging limit” J6 comm threat

 

Trump’s Supremes END personal rights & state laws except for weapons WMDs

 

Fascism: GOP to stop women leaving state for abortion

 

It’s not a court. It’s a junta: Two Americas

 

Trump: President Biden is 'enemy of the state'

 

Christian Nationalist Party (CNP) replaces GOP

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

606 people killed by neighbors: can America’s reps stand up to war gun fantasy

 

 

SCAMS/SPINS:

Trump going with anti-Semitism this time: he and Nazis plan to take over US in ‘24

Terrorist guilty: Oath Keepers leader found guilty of trying to overthrow our gov

So far, 912 terrorist charged with crimes, 492 convicted of trying to overthrow gov

 

RECALL Lead: Sippy cups sold at Whole Foods, Amazon recalled due to lead poisoning 

Baby formula in short supply until Spring 2023

 

Tesla on autopilot repeatedly hits a child mannequin in stroller

Musk wants to put chip in our brains: what could go wrong?

 

Overcharges on your internet/cable: tricks get us to pay more

Internet tax preparers sending data to Facebook:

European Central Bank: Bitcoin is being artificially propped up: not legit

 

Loan Doctor caught promised guaranteed interest rates between 5% and 6.25%: refunds

 

 

How to stop corrupt Supreme Court: Supremes get perks from rich; give advance notice

“Grandparent scam”: You get a call from someone pretending to be your child/grandchild

 

Jobs

the-fastest-growing-jobs-for-2022

 

Who owns your account now?

Car models retiring: you might consider another brand

Elon Musk’s losses for 2022 topped $100 billion: I feel better about my account

Smoking among young adults fell from 35 percent to 12 percent during the past 20 years

 

Miracles:

Most boring game: World Cup: U.S. 0-0 England play to a scoreless draw

Hemgenix new Hemophilia B one-time gene therapy product producing Factor IX  

Toledo City OH will use American Rescue Plan to buy out medical debt for residents. 

 

Lung Cancer Screening Can Catch Tumors When They're Curable

Dallas to ban gas mowers to cut noise, co2 pollution

Same Sex supported by 19 Republicans. Thirty-six GOP do not believe in equality

 

Robot removes a 2.3-inch cancerous tumor from a 61-year-old's throat

 

 

 

 

 

Our Universe is Mind-Blowing

Light is both a particle and a wave depending on how we look at the light.

I don’t think that there is any such thing as a position or a velocity of a particle.

Everything (galaxies to stones) in universe made of subatomic energy ‘vibrations’

A subatomic ‘particle’ is the smallest possible vibration (quantum) of a quantum field.

 

Mass–energy equivalence: E=mc^2.  At the smallest level; Everything is moving a little

Energy into matter: scientists converted light energy directly into matter in one step

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a distance

“It may be that gravity and quantum mechanics are exactly the same thing,” Leonard Susskind

Gravity might induce the collapse of quantum vibrations into 1 quantum state—our world

 

There is no TIME at this level because of force fields come and go in all directions. 

Universe expanding: events may not come together like they did before.

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

“Empty space is a boiling, bubbling brew of virtual particles that pop in and out of existence in a time scale so short that you can’t even measure them.” Space expanding.

The electricity we use comes from the field around the wire not from election itself.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

 

 

 

@

We can apply for Medicare online: https://blog.ssa.gov/apply-for-medicare-online

We can apply for Social Security online: https://www.ssa.gov/benefits/retirement/

We can apply for health care online: https://www.healthcare.gov/

 

IAN

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts available at http://dankeppel.blogspot.com/

Target-date funds right for you?

Target-date funds are millennial’s choice investment

Many millennials are turning to target-date funds (TDFs) as a set-it-and-forget-it investing method. Although TDFs are gaining popularity with millennials and company-sponsored retirement plans, it’s important to know the benefits and risks associated with them. Almost all workplace plans offer TDFs as an option. This option may sound ideal as they will not have to choose which stocks and bonds to invest in, nor the percentage of each. TDFs are also set up to automatically adjust to a more conservative allocation of assets as the target date approaches. There is no research done to determine if the allocation is divided appropriately between stocks and bonds, based on the individual’s risk tolerance. Actually, the research is not conclusive on this anyway. This seems OK since retirement is far off. TDFs do not take into account an individual’s years until retirement, any inheritance income or lifestyle changes over time. This ‘average person plan’ may carry risks but most folks don’t have the knowledge to make a specific plan, especially at a young age. To their benefit, TDFs don’t take market conditions into account. Over time, market timing does not work anyway. TDFs are not for those who can afford to ‘plan for retirement.’ Since the average ‘managed’ plan reduces returns to 3.79% vs 11%, most retirement savers are better off with a low-cost TDF especially since advisors cannot know when the next 2008-type crash will occur.

Let Buffett help you: https://www.amazon.com/Warren-Buffetts-Investment-Strategy-Forget/dp/1484822900

Never rollover when transferring money from a retirement account

So says IRA guru Ed Slott: "When you do a rollover, three things happen and they're ALL bad!" The only safe method of moving tax-advantaged money is by direct transfer or trustee-to-trustee transfer also known as direct rollovers. You don’t touch the money. The funds go directly from one plan to another without anyone touching the money in between, as opposed to indirect rollovers, where a check is made out to the IRA owner or employee personally. Once your employer or plan cuts a check to you, it is too late. They have already coded the transfer as taxable to the IRS and taken out 20% tax. That means you pay taxes on the money and you may pay a penalty. It does not matter that you did not intend this to happen. Many plan clerks do NOT even know you can avoid the 20%. They don’t know about trustee-to-trustee transfers. Many swear you must withhold 20% when you move your qualified funds. Ask to speak to the supervisor FAST. Make sure your transfer is coded ‘G’ Direct rollover and direct payment on form 1099-R. If it is miscoded, ask for a ‘corrected 1099’ from your plan administrator.

https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/147505793 

If you hate to lose money, try looking away for a while

People ask me, where can I put my money that is ‘safe’? I say, is this money you need in a year or 5 years? Time determines the safety of money not the type of vault. I explain to them that earning 1-2% from a bank is ‘safe’ for 1 year but is ‘unsafe’ for 5+ years. Why? Money represents buying power and over time money loses buying power. You could buy a gallon of gas for $1.70 in 2016 but now it is $2.74. It costs $40 or more to fill up now. It was not long ago that you only needed $20. Food costs have risen. Warren Buffett, star investment advisor, says: “We continue to make more money when snoring than when active." Money grows faster when you put it to work and DO NOT watch it. Buffett won his $1 million bet over a Wall Street guru by ‘looking away’ from a simple market index fund which does not change companies over time. No trading, no quitting. In 2014, there were 72,197 Americans aged 100 or older. That’s up 44% from 2000. You will need buying power if you become a centenarian.

Keep your buying power: https://www.amazon.com/Just-Takes-Time-make-money-fashioned-way/dp/1979380945

Put your money to work—so you don’t have to.

Accumulate $250,000, $500,000 even $1,000,000.

Compounding is what Warren Buffett counts on for success.

“My wealth has come from a combination of living in America, some lucky genes, and

compound interest.”

How much can your money earn for you? $1 million from your $99,000 investment.

Your $250 a month investment may grow to $1,000,000 or more and it can be tax FREE. That $3,000 a year for 33 years ($99,000) compounds to $1 million if you put it to work: Low-cost stock index funds earn 11% per year after fees over time. Advisor-managed funds earn 3.79% over time. Compounding does not work as well if your advisor is trading, market-timing, rebalancing or rotating sectors.

Put money to work: https://www.amazon.com/DIY-Financial-Independence-Freedom-Workbook/dp/1088908500

NY best-interest rule keeps annuities that mislead out

More insurers are deciding to pull products like annuities and life insurance from the New York market as the state's best-interest rule takes hold. Lincoln Financial suspended sales of fee-based annuities in New York on Aug. 1 in response to a particular consumer disclosure required by the new rule, Insurance Regulation 187.​ The rule prevents acts or practices that are unfair or deceptive. It ensures that a transaction is in the best interest of the consumer and appropriately addresses the insurance needs and financial objectives of the consumer. New York's best-interest rule is part of a movement by some states to raise sales standards for brokers and financial advisers following Trump overturning the Obama regulation that aimed to increase the standards for retirement accounts like 401(k)s and IRAs. The New York rule is on par with and may even be tougher than the DOL fiduciary rule, which the insurance and brokerage industries lobbied hard to kill.

Fiduciary Rule protects US: https://www.amazon.com/Fiduciary-Rule-BEST-dont-anymore/dp/1530980275

Rich would need to pay their fair share under Warren’s policy

The top 15 richest Americans would have seen their net worth decline by more than half to $433.9 billion had Elizabeth Warren’s plan been in place since 1982, according to a recent study. But that assumes their legion of lawyers and accountants did nothing—most unlikely. Plus, our representatives would receive countless $ millions in election gifts to make sure there are plenty of loopholes and subsidies to keep the wealthy, wealthy. You know they will never give up their tax-credit class status without a fight.

Take your credits now: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

**********

How Govt wastes our money: Congress spends another 1.7 Trillion we don’t have! 

Taking money away from real military projects: ‘Nobody better at the military than me’

Why Congress does not stop opioid pandemic: we must pay for treatment, 70,000 dead.

Trump weakens protections for new financial products by giving ‘blank check’ to firms.

Trump allows our water to be polluted again: reverses another Obama reg

IRS goes after small $ cheats not the large $ evaders: wastes resources; we pay the taxes

Congress ponders 401k annuities: insurers’ lobby hard to capture huge profits. Danger! 

SCAMS/SPINS:

Certified Forensic Loan Auditors caught misleading US: loan modifications: fine, no jail 

Trump like Captain Queeg on Dorian path to AL: ‘I was with you all the way Alabama'

GOP scared to hold primaries: Trump challenge?: No need to vote: Democracy Trumped

Cruz threatens Trump: gun background checks ‘de-moralizes’ base; already no morals.

Anthem caught overcharging workers in 401k plan: $17 million reinstates pension dollars

NY state tax demand for immediate payment is fake: no passport, drivers license revoked

Hacker uses your credit card to open ApplePay account. Credit card bank cancelled card.  

Clayton Wertz caught making up security statements to help friend obtain bank loan

Beware: Scammers use fake news sites to sell fake products: check address line.

Beware: Advisors using ‘Christian’ labels: claim “biblically wise advice” for your money

Democracy Trumped: GOP cancels primaries: why bother voting for dictator Trump.

TX representative to Beto O'Rourke that his AR-15 "is ready for you": TX Death threats

CA to limit you to 1 AR per month: you can still buy 30 mags: some call this progress

Dems vote to keep oil drillers out of Artic land and oceans: Moscow Mitch says “Nyet.”

Courts lean right for the next generation: Money decides democracy fate.

Do any Sackler family go to jail for killing 10-50,000 a year? ‘None admit wrongdoing’!

Jobs

Social Security cost-of-living adjustment (COLA) to be 1.6% for 2020.

Warren will raise Social Security benefits from high income earners tax: Boomer voters!

Who owns your account now?

Cars that lose value fast: Don’t expect much for your trade.

Never use your cell? 1 cent/min if you do. https://tello.com/rates/pay_as_you_go/United%20States

Bargain hunters: If you love a great deal, check these Amazon retailers: shipping is killer.

Miracle:

It takes miracle to return to science: Dictator now dictates the weather: Science self-censorship can kill US. 

One woman saved 97 dogs from Dorian on Bahamas island Kind strangers helped.

When on a plane next to autistic child, use your airsickness bag to reach out and touch.

Can we do this too? https://twitter.com/ABC/status/1171149276812075011/

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Easy way to save for the future

Easy way to save for the future—use the money you save by buying direct: auto, home, life, other insurance and expensive 401k and mutual funds. Create a Wealth Reserve: use savings on financials you already own. The financial industry has changed so you can buy with discounts or at Costco-type outlets. Example: MetLife charged $983 for the same $300,000 30-year term policy as SBLI provided for $384. Their financial strength ratings are A+ and their underwriting requirements are the same. The difference, $599, over 30 years is $17,970. If invested, this difference can add $175,000 to YOUR Wealth Reserve when you need it. The SHOCKER: the median net worth of a 33-year-old is just $8,525 including home and car! Buy value not price: benefits are the same.

Build YOUR assets; not theirs! https://www.amazon.com/Your-Wealth-Reserve-Save-every-year/dp/107028288X

What will you do with your 401k or 403b account?

Retiring or changing jobs, you must decide what to do with your money. BEWARE: Insurance agent advising 401k rollover is illegal: Check the insurer’s fees! Unless your old employer has low fees and a large selection of funds, you should transfer your money to a rollover IRA at no cost. Federal workers will soon have new options that allow their money to stay. Two questions to answer before you decide what to do. Large mutual fund firms like Schwab or Vanguard usually offer more choices and lower fees inside an IRA rollover account than leaving your money with your old employer. A stock/bond balanced fund costs 0.5% at Schwab and 0.07% at Vanguard. Both offer low-cost IRA accounts. Vanguard’s fees are low because the funds are run at cost—there are no commissions or owners to pay. Fees over your lifetime can take up to 63% of your potential nest egg. Based on the timeline for this money—stocks for 30 years out or balanced for retirement now—your first step is to call your new IRA custodian. Let them do the paperwork and initiate the direct transfer so you pay no tax. Tell your old 401k administrator you don’t want taxes taken out. When your money gets to its new home, confirm the move amount and type. If you change jobs again, you have a place to put it and you don’t need a broker to move it.

Pay less; keep more: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

Are ‘Alternative’ investments right for you?

‘Alts’ are all the rage in the brokerage community. The argument goes like this: “multi-million dollar accounts have alternative investments and so should you.” Alts are private equity, real assets, derivatives, and hedge funds. Short answer: they are not worth the cost. If you had a few $ millions you would not be able to buy the same deals as the institutions that use alts. You are not an institution, so your goals can be met with less expensive vehicles. Higher costs, greater dependency on management’s crystal ball, less transparency, low tax efficiency, and limited or no access to the funds, all make alternatives unattractive. Alts are supposed to rise when your other assets fall. In recent history this has not been the record.

Use the better alternatives to alts: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Is your advisor just plugging in the numbers?

85% of all advisors us ‘model’ portfolios. You thought the $ thousands you pay every year—eventually costing up to 63% of your total possible accumulation—was buying ‘Wall Street professional money management.’ No. This study says your advisor does not have time to plan each client’s future. They want scalability—more money for them not for you. Just as in Mrs Blanding’s dream house, you think you are getting the “color of butter ‘yellow’,” the painter buys the standard ‘yellow.’ The painter knows you will never know the color difference. Since you are NOT getting top-notch professional management why not pay less and earn more. We are talking real money: $3,000 a year invested in a low-cost market index for 30 years = $700,000; in an advisor-managed account = $167,000. Forget the myth of ‘professional management.’ Earn more.

https://www.amazon.com/Fact-based-Investing-first-million-hardest/dp/1977574270

Need a graduation gift?

The greatest gift you can give is financial knowledge. No matter how much your young graduate makes, it is up to YOU to show them the Buffett investment strategy. Make sure they can make and manage money. At my first job, I had no clue which investment to use for my 401k contributions and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities’ licenses. If I had followed their advice I would have ended up with about $150,000 instead of a Wealth Reserve of $877,233 about 33 years later.

YOUR choice: https://www.amazon.com/Give-child-leg-up/dp/1096505355

How did you find your car insurance?

Surveys usually look at all the factors but best is really determined by claims handling. You don’t want aggravation after the accident. Since price does not always show value, you need to keep both of these factors in mind. US News looked at over 2,000 claims. They rated satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, overall value they feel their insurance company gives, if they’d recommend the company, and if they planned to renew their policy. Prices in 50 states, driver miles, violations, age and sex and type of car were considered. USAA is only for military had best rating. Travelers and State Farm were next. Geico had lower rates in most states. American Family car insurance was the lowest-ranked company on their list. Liberty Mutual did not provide rates. There are so many factors in your quote that this list is only useful as a start. Agents don’t always offer discounts. You must ask.

Ask for all your discounts:  https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

What regulators have done to us with their new rule?

SEC has put lipstick on a pig. The industry gets fat as they kiss us with sweetened lip service. GOP propaganda wins out over real significant change: Regulation is called ‘Best Interest.’ It claims to improve individual investor protections but look for the teeth! Since it does not actually define ‘best interest’ of the client, it lets salespeople drive through loopholes. Our ‘best’ interest is defined by the sellers, thus: “It doesn’t actually require brokers to act in clients’ best interests.” Most clients yawn at a broker’s ‘disclosures’: pages of legal boilerplate meant to keep clients out of court. The GOP had to kill the Fiduciary Rule in 2018 since it required sellers to ‘prove’ our interests were put above that of the sellers. The model: Certified Financial Planners have professional credentials to uphold. It took 6 years for the govt to incorporate all the concerns of consumers into the standards brokers/advisors/agents had to follow. We were losing $17 billion a year because we never got the ‘best’—only 2^nd best: sellers still sold high-cost or inappropriate products. It was like our doctor giving us the new expensive drug when the generic did the job. Doctors received cash and meals and trips to push expensive versions. The same happens in financial products. Annuity sale scams were the focus of the Fiduciary Rule. Sellers have always received incentives for giving 2^nd best the happy talk. The industry lobbyists got the Fiduciary Rule canceled in 6 months. Buyer beware!

Get the Best for YOU: https://www.amazon.com/Fiduciary-Rule-BEST-dont-overspend-anymore/dp/1530980275

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

Make America, “The Don”, Great Again

Senile Psychosis or Parkinson’s delusions? quetiapine and clozapine

Truth isn’t truth, his lawyer says

“The campaign -- for him -- was always a marketing opportunity.”

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

Will voters who need ObamaCare vote for it?

Can a mob boss snub Congress’ subpoena?

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

How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 

Trump invading Guatemala: sending ‘advisor’ troops to stop refugees from Guatemala

Do our leaders want us to kill each other? There will always be psychos; sell 3 bullets/yr?

Tariffs: Tax increases on voters are now called ‘tariffs’: Trump’s propaganda tricks base.

Corporate income taxes fell from $296 billion to $162 billion in 2018 3QT.

Trump won’t let immigrant children play ball, learn English, get help. Money to golf.

Rick Perry reclassifying nuclear waste to ‘save’ money: shallow pits not leaky tanks.

Trump denies climate change as his Pentagon prepares for it: cost less now than later

Gerrymandering and PAC money destroy our democracy as much as Putin tipping scales.

SCAMS/SPINS:

HALF of us want dictator: above law, obstructs justice, hides info, snubs Congress

Barr’s ‘death wish’ may sink democracy: allegiance to criminal above the law.

Citizenship question: “hurt Dems and benefit white Republicans in redistricting.”

Price increases are now called ‘fees’ using unexplained ‘fees’ to keep ‘price’ low trick.

FL bans valedictorian from giving her speech: made joke about principal. Oh my!

Job offers that are just scams for personal data: fake ‘verify checking’ gets number.

WV Bishop Bransfield used offerings to pay off abuse victims and higher ups

From the beginning, popes, bishops, priests have been abusing children and women.

Protestants are abusing children and women too; just more subtlety.

Govt lets telephone firms charge us to block robos: these are our airwaves!

Insurer caught dealing claim in bad faith: victim gets $1.3 million not $50,000.

Avenatti indicted on 36 counts: stealing $ millions—disbar, extort, etc etc

SEC reg BI 'will mislead investors into expecting protections the rules do not deliver. 

Trump stops IRS from going after his election contributor Koch: fake tax shelters work. 

Trump allows payday lenders to continue worst credit practices. Desperate folks enslaved

Peter Baker, GA Elizabeth Oharriz, FL caught defraud investors with ‘prime bank’ scam

James Anderson caught selling products not offered by Ameritas: defrocked.

David Strnad MorganStanley caught ‘churning’ CDs lost $100,000 for client: no jail

MorganStanley made $ millions on Uber IPO but its wealthy clients lost a small ranch.

GOP still claim hedge fund managers tax break creates jobs: $ million lobbyists’ jobs.

Supremes confirm insider-trading is still a crime: but not for Congress people.

The dictator orders previous employees to defy Congressional subpoena? Hope arrested?

The Mob Boss can never go to jail: Trump has Kava as Supreme so no contempt.

‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.

Supremes protect Don’s ‘Orders’? – GOP: ‘Sure, prez can change Constitution anytime.’

"Charging the President with a crime was therefore not an option we could consider."

Jobs:

Catholic in every way except in having optional celibacy for its priests: Bishop Njogu.

Walmart needs workers: college prep help is perk—management degrees paid.

Immigrants: 14% of our population, but started ¼ all new businesses; earned 1/3 Nobels.

Who owns your account now?

NJ law: protect ObamaCare benefits for state’s residents if Feds decline them.

LouisianaCare for all families w/o employer plan using state and ObamaCare money.

Drug prices high but Dr doesn’t track unfilled prescription: ask for generic alternative

Mortgage rates fell: 30-year fixed rate fell to 4.04% a 2 year low.

Best tax-FREE IRA account firms: review what is best for you—cost, face, service, trade

Is your charity making the right grants with your money? Check list here.

Miracle:

Ryan Keith Cox helped fellow workers get safe and then took a bullet for their safety.

Our President at his best on D-Day: Can he get more ‘introspective’?

One man’s small problem causes largest wildfire in California history:

IAN

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