How much do lower fees really help us reach our goals?

How much do lower fees really help us reach our goals?

Vanguard just lowered the minimum for us to qualify for lower fees on funds. Many brokerage firms are cutting fees. Does a low fee really matter over the life of a retirement fund? The comparison is simple: $250 a month $3,000 a year for 34 years at the average earnings of the S&P 500 index (11.06%) is $1.1 million. We pay .04% so we net about 11% a year on average. If we deduct 1% from our earnings, we have only $863,483 or $247,517 less. That is 22% less. If you let your advisor manage your account, you earn only 3.79% for 34 years according to Dalbar’s survey of actual investors. That means the trading and market timing will cost you $902,930: $1.1 million (you could have earned) minus $208,070 (your earnings). Will you drop your advisor in order to make more money for retirement? We follow Buffett’s advice.

Use Warren Buffett’s strategy: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

Are small business deductions right for you?

Many Americans are turning to creating a business out of their part time and sometime work schedule in order to help their family survive the increasing costs of living. Wages have been flat since the 1980s for many middle-income workers and it makes sense to pay as little tax as possible. A quarter of workers make less than $10 an hour, putting them below the federal poverty line. Meanwhile the top 1% owns 40% of our country’s wealth. Following The Leader’s example, many are able to actually reduce their regular W-2 income for tax purposes. The GOP has provided another incentive: an extra 20% deduction from net profits. Just follow the deductions here:

https://smallbiztrends.com/2016/02/top-tax-deductions-for-small-business.html. A special for Uber/Lyft drivers is deducting the ‘snacks’ you provide in your car. After you take all these legal biz deductions, take another 20% when you qualify. You may not be able to reduce all your income to negative for years, like The Leader, but at least you can add income without more taxes.

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

Why are we subsidizing GM? Trump threatens to cut subsidies to GM

Is America a Socialist country? When our tax dollars are paying a private company to make a profit, How is that different than in China, Russia or Cuba? How much of our tax dollars are going to GM and other corporations so their CEOs can receive multimillion paychecks? And some profitable corps don’t pay taxes—even with the tax cuts! How socialist is that? They receive subsidies and don’t pay taxes and yet buy expensive planes and toys for their CEOs. Sounds like a ‘welfare queen’ to me.

Avoid paying their subsidies: https://www.amazon.com/Americas-Socialism-for-Rich-little-people/dp/1535218584

Do you need a REAL middle-income tax break?

The REAL tax break from the GOP and Trump is the removal of the income cap on conversions from traditional IRAs to Roth IRAs. The 1.6% income increase for the average household earning $50,000 to $75,000 has been eaten up by tariffs and health care costs. Compare the $thousands you save in taxes during retirement when most of your income is tax-FREE and you no longer have to take taxable RMDs from your IRAs. For many, the elimination of tax on IRA distributions means their income can continue to grow after 70 ½ AND they will pay less tax or nothing on their SS benefits.

Keep your taxes low for life: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

NY requires insurance agents to give us the best deal ‘fiduciary duty’

The New York Department of Financial Services issued a final regulation in July that is set to go into effect in August 2019. The rule requires that "only the interests of the consumer" be taken into account when making an insurance sales pitch, and compensation to the agent or broker is only permitted if it "does not influence the recommendation." "Thus, this regulation effectively requires the agent to become a fiduciary to the consumer." Agents and their association claim they can’t make a living since they are acting for insurers, not us. But insurers know the fiduciary rule is best for the industry long-term and also know agents will continue to sell their products including high-cost annuities.

BEWARE high fees: https://www.amazon.com/Fiduciary-Rule-BEST-dont-overpay-anymore/dp/1530980275

Corporate management uses life insurance to avoid taxes

Insurers sell a special policy that works tax miracles for business owners. Their corporation makes contributions to the plan.  Rank and file employees do not get any benefits. The contributions are tax deductions to the corporation. The contributions go to fund life insurance whose beneficiaries are designated by the owners. The principals are able to access the cash surrender value of the insurance contracts tax free. The beneficiaries do not recognize any income. Perfect scam: owners pay less tax and get life insurance benefits for free. CSV can be security for purchases and loans.

Use the Trump Tax Shelter:  https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

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

Make America, “The Don”, Great Again

Senile Psychosis

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

McGahn is ‘lodestar’: Told Trump ‘NO’ - saved Mueller!

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

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

“Our debt rose $2 trillion under Trump: total $21.7 trillion.” 10% in just 2 yrs.

We are building more concentration camps for children/teens using unchecked guards.

SCAMS/SPINS:

DO NOT READ this report: Trump does not want you to read his report--future climate.

“Trump Foundation functioned … as checkbook for business/political interests.”A crime.

Public hanging supporter gets endorsed by The Leader. MS voters go for racist again.

Trump’s child separation plan may be America’s 2^nd worst crime against humanity. Nazis

Trump’s army used pepper gas on the woman/children: ‘you could put it on your nachos’

“If they have to, they’re going to use lethal force,” Trump told reporters

Trump thinks he is too smart to believe in science of CO2 and ocean levels at MarLargo.

Trump’s bank raided by police for money laundering: Find the hidden Trump ledger?

TrumpCare junk insurance will bankrupt us again. This was story before ObamaCare.

Trump lawyers talking pardon for confessed criminal Manafort --Don says not involved

Is one emotionally distressed man’s gut leading America into oblivion?

BEWARE: Genetic testing result not always mean what it says

Family & Relatives at risk in nursing home when businessmen buy it. Profits for bedsores

2 scientists claim just one “Adam and Eve” started life. Pigeons & humans same DNA.

David Fagenson caught making unsuitable trades for seniors: huge profits

Scott Newsholme NJ caught forging signatures & tax returns gets 8.5 years jail.

Frank Dietrich caught selling notes in real estate Ponzi scheme loses license.

James Polese MA caught taking client money in wind farm fraud gets 5 years jail.

Raimundo Atesiano Police Chief got his men to frame innocent people got 3 years jail.

Eric Landis VA caught promising microcap promotion scheme by pump/dump trades.

Payless shoes proves we are gullible buyers of hype just like financial services.

Bernard Ogon MD HealthRight caught selling bad pain cream/supplements for $7,600.

BEWARE: New ‘car’ buyers—GM, Ford Fiat may not support CARS in future.

When everyone has a gun, how do police know who to shoot? Target: gun & black man

----------------------------------

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.

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

----------------------------------

Jobs:

Tulsa will pay you $10,000 to work there. Bring computer!

GM closes 5 plants: few cars to produce—15% of salaried workers.

Make a fortune selling the RED Melania Christmas trees at the mall! Tax dollar at work.

Who owns your account now?

Over 40% of voters said healthcare was the top issue ahead of immigration and economy.

Always appeal your health care treatment denial—Insurers don’t like paying claims.

Miracle:

Vaccine for Alzheimer’s?  Trials offer promise.

Two officers refused Chief’s orders to frame innocent people were heroes

Muslim Americans raise $240k for victims of synagogue shooting

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Your perfect tax shelter

Your perfect tax shelter

Real estate is the perfect tax shelter for your illicit gains. Buy the property via a corporation/trust using funds that need laundering and turn your dirty money into clean money. The asset is legit and you can borrow clean money on it. There is no bank or mortgage company record. With the current investigation of Russian money being used to funnel money to The Don, the Treasury should be interested. The Russian mob created an extraordinary ‘profit’ on the sale of a FL mansion for The Don.  Russians have used foreign banks to do the same laundering operation. Guess who ran the most popular laundering bank for Russians? Trump’s own Commerce Secretary Ross. If you have enough money you can create amazing ways to avoid taxes on your illicit gains and only those in the know, know. “Only the little people pay taxes.”

Use the only legal shelter for working people: https://www.amazon.com/Pay-No-Taxes-Retirement-legally/dp/1507527977

Why is it so hard to fashion a national health care plan?

The pharmaceutical industry alone had 1,400 lobbyists in Washington in 2014. The users of their products had none. There is no mechanism to keep costs down. When we get sick, we don’t go shopping from one doctor to the next for a free price quote. Have you ever called your local hospital and got a price on a broken bone or cut finger? Despite the view of Congress and the president, there is no competition to reduce costs like buying a big screen TV. Congress says that the “free” market will lower costs. They keep saying that an insurance company in Utah will reduce the costs in CA if only CA will let Utah’s insurers into CA. Why would anyone buy insurance from a company with doctors and hospitals in ME when they live in MA? And how many doctors will compete for my Medicaid business? None. In fact, I have to pay them $150 or more over the state reimbursement just to see me. Drug firms can charge anything they like for a new pill for this or that even though the drug was developed by a government agency or a grant (my taxes) to my local university. 

Health care is just not a TV commodity business. Most nations have learned that already. And KS has just tried to reverse course so it can cover 150,000 uninsured with Medicaid. ID, NE, SD, VA and GA are looking at expanding Medicaid to cover more uninsured.

Your Retirement Income Checklist

There are so many unknowns in our futures that we must plan a FLEXIBLE financial future. We can anticipate some expenses but generally, we must plan for a range of possible futures. If you stay invested in some stock mutual funds to overcome inflation, how can you avoid a prolonged flat market? If you count on fixed income like bonds or annuities, what happens if inflation roars back? We can moderate big swings in stocks and bonds by maintaining a balanced portfolio of low-cost funds. If we begin now, where we are, we may be able to add $250,000 to $500,000 before and during retirement. If we can delay taking Social Security and or our pension or IRA, we can add significant amounts to our future nest egg. Few retirees are happy playing around all day after working for 50 years. A gradual shift is more appropriate and rewarding. Today, retirees need to plan for 30 years AFTER working. You need to make two budgets—one for now and one for the survivor using current assumptions about income sources.

Remedy your situation now while you can: https://www.amazon.com/Your-Retirement-Income-Checklist-TrumpWorld/dp/1544703260

FREE tax preparation—Yes, part of Social Security can be taxed

Advertising to you is how they pay for free credit score and “free” tax prep

https://www.creditkarma.com/ needs your views to obtain dollars from sellers of financial services and they give you software to file federal and state taxes at no cost. If you need to file a simple return, this is the cheapest way. Usually simple means you have W-2 income and few deductions. The IRS has a topic look up so you can find the answer to your question easier than waiting on the telephone for an operator to answer:  https://taxmap.ntis.gov/taxmap/. Also, you can do your federal online FREE using commercial sites through the IRS https://www.irs.gov/uac/free-file-do-your-federal-taxes-for-free. These sites charge for a state return. You can also use a local AARP tax aide office: http://www.aarp.org/money/taxes/aarp_taxaide/ AARP does not discriminate by age or income so they can usually take care of most people. Best tip: deduction for IRA contributions and tax credit up to $2,000 subtracted from tax you owe. Double Your Pleasure. And don’t worry about audits—IRS got rid of them.

Take your Tax Credits like The Don: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

Is it treason?

The Don and his lieutenants may be guilty of assisting a foreign power in influencing our election. The FBI is probably looking at the way Manafort and others were leading the GOP campaign AND being agents of Putin or his oligarchs. Do we know for sure that foreigners did NOT hack the voting data of some states? Has the FBI geeks checked every computer in all 500 voting districts? We don’t need to have a smoking gun to prove that some Trump folks did NOT have America’s best interests at heart. For instance, why did the GOP allow Russians to strike the platform plank about sanctions for Putin’s invasion of Ukraine? Why didn’t The Don vet his lieutenants before allowing them to work on his behalf? How can Flynn be a paid foreign secret agent while he works as Trump National Security Advisor? He says he did not know they were working for Russia before or during the campaign. Isn’t that a LIE?  Once you are an agent, you are always an agent is common knowledge. Why is The Don always so positive about Putin and Russia? Why does he deny he has ties to Russia? Dick Cheney says Russia’s meddling in the U.S. election could be "considered an act of war.”  Why did Sessions lie about contact if it was innocent? How can you lie to Congress and not go to jail? Are Ivanka and Jared qualified to be playing the role of Sec of State? Putin would like us to abandon Europe and the former Eastern Block countries and get in a war with N Korea. Are voters scared that his naiveté, lack of judgment and gullibility to BS will start WWIII with the N. Koreans?

What are Nunes, Flynn, Sessions, Bannon, and crew hiding if not guilt of working with/for a foreign power to destabilize America?

Is Trump guilty of treason if he allowed his people to assist Russia in messing with our election process and important policy decisions?

RESULT: Putin wins this “cold” war of winning the hearts and minds of the world!

“Facts are stubborn things,” President John Adams, 1770. 

Take responsibility for your BS

Unlike The Don, the conspiracy theorist who started the lie about Hillary’s sex ring in Wash DC pizzeria has apologized. When you yell fire in a crowded theater, there will be consequences. The Pizzeria owner has gotten death threats after a crazed gunman shot up the place looking for Hillary’s sex slaves.

Unlike The Don, a conservative millennial firebrand, who told the truth, has lost her job.  Tomi Lahren has been "banned permanently" from Glenn Beck's The Blaze, according to a report in The New York Post. The reported banning comes after Lahren, 24, was criticized in some conservative circles following a March 17 appearance on ABC’s "The View" in which she revealed that she supports abortion rights. “I’m for limited government, so stay out of my guns, and you can stay out of my body as well,” Lahren said at the time.

The Don said he doesn’t tell lies, he just repeats what he hears on Fox or other “entertainment” outlets.  He takes no responsibility for what he yells in the theater. Trump declined the opportunity to retract the claim, telling the media that "we said nothing" when he tweeted, "How low has President Obama gone to tapp [sp] my phones during the very sacred election process," and that he was merely quoting a "very talented legal mind" he had seen on Fox News.

 Donald J. Trump ✔@realDonaldTrump

How low has President Obama gone to tapp my phones during the very sacred election process. This is Nixon/Watergate. Bad (or sick) guy!

7:02 AM - 4 Mar 2017   53,55753,557 Retweets

 "You should be talking to Fox," Trump said. Fox apologized for the lie made by the “very talented? legal mind" that appeared on the entertainment show. Judge faked it. Napolitano’s source was former CIA guy and never said Obama asked the Brits.

The Don just repeats BS from entertainers because he is an entertainer himself.

GOAL: Build the brand so every person on earth knows what “Trump” stands for and keep repeating the name every day in every way.

Are you considering a Fiat Chrysler vehicle?

Take a look at the reliability ratings on your choice. You may be in for a big surprise. Fiat (worst), Jeep (second-worst), and Chrysler (fifth-worst) dominated the list of underachievers. Meanwhile, Dodge ranked sixth among the bottom of the auto industry barrel. Consumer Reports 2016 reliability ratings suggest these results were no fluke. While you are buying a new ride, cut your insurance premiums with 16 discounts: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

The Don will learn that Tax Reform is like health care—complicated

Why are there 5 to 17 lobbyists for each of our Reps in Washington? Lobbyists are paid over $5.7 million per Rep to make laws that favor their employers including tax subsidies and special exemptions. It has taken 30-40 years for lobbyists to bend the rules to favor their employers. Why should they give that up now? Only one reason—put more of the tax burden on some other guy, usually us, the ordinary tax payer. We have NO lobbyists in Washington buying them dinner, trips, re-elections. Dow company gets over 400 subsidies. GM and Buffett’s companies get over 300. FedEx, GE over 200. The top 500 firms account for more than 16,000 subsidy awards worth $63 billion. Many of these same profitable companies also pay NO taxes. You and I pay for them—we pay for their roads AND their subsidies. Like Trump in 1995, paying no taxes is what the rich want. Why would they change that now? Nearly two-thirds of U.S. companies and 68% of foreign corporations do not pay federal income taxes, according to a congressional report. The Don has promised to give corporations and the wealthy an even sweeter deal. The wealthy would receive a cut of 19% while we get only 4.9%.  Corporations pay about 12% on average so the Trump rate of 15% may only appeal to some. Many leave their profits overseas to avoid paying their fair share. Many use expensive accountants and dummy corporations and tax shelters to avoid taxes like The Don. However,

We can use our tax credits to avoid taxes now: https://www.amazon.com/Tax-Credit-Class-your-credits-pay-ZERO/dp/1539462382

“Huge” tax cut for corporations and the wealthy will cost us

There is no free lunch so when The Don promises The Wall and a tax cut; we can expect that the US taxpayer will be on the hook for them. Trump has already promised that we not Mexico will pay for The Wall. The tax cut for corporations will be paid by us as a new tariff (‘border adjustment tax’ fools nobody) of over $1 trillion. Walmart, Dollar Gen and oil refiners are already reminding us they will just pass the tax on to us as price hikes. Mad Max maker Mnuchin fears a global tariff war while Exec VP Bannon claims Boeing and GE will smile. Meanwhile our real wages will continue to slide from the high in 1973. If we get a tax cut of 4.9% as promised, it will be taken by Walmart et al. And what about The Don’s promise of the return of the $25 an hour jobs. When you look at the facts—real facts—that robot sales have tripled in some industries, first in cars and now in every unskilled worker job, you might want to show The Don the new factory. Some robots cost only $25,000 and so more jobs require running a computer than a lathe. He should learn that today’s firm must constantly retrain workers just to stay competitive. Instead of building The Wall and giving tax cuts, he should be giving corporations a tax CREDIT for worker training. The border tax will not be enough to pay for his tax cuts.

Avoid the future tax increases: https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

GOP states continue to keep Dems from voting

AR reinstated a voter ID law that was found as unconstitutional by the state Supreme Court 2014. The only voter charged with voter fraud this year is the GOP chairman in CO, Steve Curtis. Dems do not need to cheat at the voting booth because they can elect winners every time unless the GOP and their Russian friends cheat. Trump has claimed that millions cheated on the last election that HE WON. He forgot his civics lessons: It is legitimate to be registered in multiple states. Most of his family and colleagues do just that and yet they are not charged with voter fraud. Perhaps if the Dems checked in PA and MI they would find enough GOP voting twice for Trump that the actual president is Hillary. Other GOP states have continued to make up stories of fraud in order to keep Dems from voting at the places and times they have voted in the past. Voter suppression is bigger than fraud. Now the GOP uses the tactic of changing Dems normal voting places.

Can America grow without destroying the earth?

The Don is signing an executive order to promote domestic oil, coal and natural gas by reversing much of Obama’s leadership in world warming. Dismantling Obama’s plan is misguided at best. Even Exxon knows we are headed in the wrong direction. "He’s trying to undo more than a decade of progress in fighting climate change and protecting public health,” David Doniger, director of the climate and clean air program at the Natural Resources Defense Council. Short-sighted action has consequences. America has made progress in slowing emissions and abundant gas will nix oil and coal expansion. Leadership is not turning the clock back to 1050’s style growth.

Leadership means making the world better for future generations.

An adult who knows better would do what is best for America’s future. For instance, would an adult cut medical research, infrastructure and community development grants to help pay for an expensive luxury? Mexico will NOT pay for The Wall and no adult would promise something they did not know they could do for sure. An extra tax on things we buy from Mexico may not pass Congress. The Don wants to cut research into medical cures and funding for new roads and bridges here at home. These are tangible benefits. The Wall is easily tunneled under. Buying more carriers and bombs is a luxury to most Americans. Obama killed Bin Laden with Seal Team specialists not carriers.  

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

We have entered the Twilight Zone:

"There is a fifth dimension beyond that which is known to man. It is a dimension as vast as space and timeless as infinity. It is the middle ground between light and shadow, between science and superstition, and it lies between the pit of man's fears and the summit of his knowledge. It is an area which we call the Twilight Zone" where “alternative facts” and illusions of conspiracies are lived out. Lies are considered true. Truth is what the loudest voice says it is over and over.  

Rod Serling

  

The Trump (Bannon) Presidential Style

Remember, Don Trump is still a contractor from Queens NY, just richer than most. As a promoter, his income is from lending his wealth “brand” to other’s buildings and golf. Secret Service needs extra $60 million in taxes to watch him in FL and cover sons to travel to promote Trump properties worldwide. Don going for another DC hotel to profit from foreign visitors for himself. SS protection of his property paid by us. 

Bannon called himself a “Leninist” who wanted to “bring everything crashing down.” State Dept being decimated. Putin thrilled with cuts in aid to 3^rd world, NATO, etc!

Putin got GOP party plank to drop sanctions on Ukraine invasion. Here is TrumpWorld

GOP cuts programs of folks who have no power to oppose cuts. Cowardly

The Don (Putin) does not like diplomacy, aid to poor, US environment or culture, finding cures for disease, transportation and education programs.

19 Agencies you may use being cut from American society: The Don does not like Meals on Wheels, Sesame St. NPR radio, Arts, Miners retraining, 62 in all for $343 billion

What GOP does NOT cut:

No cuts to subsidies to Boeing, GE, Intel, Nike, Shell, Fiat, GM, Ford, hundreds more.

            And these 27 got govt help and paid no taxes and 10 welfare plans for the rich

No cuts to govt cost overruns of $ trillions each year. And Congressperson subsidies.

Wealthy 1% will receive a $165 billion tax break, Seniors go back to food stamps.

Where does The Don get his information?

Trump urged followers to “Watch@JudgeJeanine on @FoxNews tonight”

Another Judge told him the British CIA spied on him for Obama but Napolitano made it up from former CIA source who NEVER said Obama ordered it.

*

Lies or “Alternative facts” of The Don: Promises (lies) and Actual outcomes:

Trump’s secret plan to kill ISIS kills 200 Mosul women and children. Secretly sending more military.

GOP just turned smoke into fire—canceling Russia influence probe sinks all Prez men. Trump men gave secrets to House Intel probe which Nunes gives back to Trump. ??

Former FBI Clint Watts tells Senate Intel Russia's efforts to influence the election. Clear

Flynn wants to spill his guts—FBI should put him in safe house away from Putin

GOP ready to shut government down again—tax cuts cost $5 Trillion in debt to China.       

“Everyone is covered” in GOP plan except the 24 million who cannot afford it. TrumpCare failed because of the Democrats the Art of Deal maker claims. TrumpCare was a tax cut for the rich, wrapped up in pretty lies about the poor and needy.

“Obama had my 'wires tapped' in Trump Tower just before the victory." NO Proof

Trump accuses Britain of spying on him for Obama. Pissing off our friends. No apology to Brits for his mistake or to Obama for accusing him of a felony. Like birth cert. LIES

“I have no information” that supports the claim Obama tapped Trump: FBI and NSA

Putin’s FSB does surveillance of Trump campaign; makes it look like Obama for chaos

“ObamaCare has been total disaster” scare tactic works for some supporters in KY

The Don threatens House Reps over health—“you will lose in 2018” Kicks in $85 Bil.

The Promoter in Chief lost. Future promotions look dim.

We all thank the president for NOT destroying our health care system this year. We get to keep our 10 essentials that keep people alive—screenings, pediatric, mental health, etc

The Don is not good at deals that are complicated—“health care is complicated”

Kaiser Foundation calculated that average deductibles would be $1,550 higher than under Obamacare

GOP gave business our privacy rights so our browser info can be sold w/o permission

Jared in deep with Putin’s bank which supports Putin’s spy activity. Jared mastermind?

Sessions warns NYC it will lose security funds used to guard Mel and Bar in NYC.

Can we save ourselves from WWIII?    US threatens N Korea with pre-emptive strike

Putin influence: Putin marks all over Trump’s crew—“more than circumstantial case.”

The Don was naïve about Russian influence among lieutenants. Spicer claims Trump never asked Manafort, Flynn, others about pay from foreigners. He never vetted them about who paid them during campaign—Manafort, Page, Flynn, Stone, Tillerson, Ross, etc Connections chart. Manafort was campaign manager paid $10 mil yr by USSR.

Putin influence: Russian mafia use Manafort to lauder money: invested thru Trump

Putin influence: Every one of Trump lieutenants has connections to Russia. See chart: https://swalwell.house.gov/issues/russia-trump-his-administration-s-ties

Putin influence: Russian foreign minister Ryabkov met with Trump campaign. “But we will of course continue this work AFTER the elections.”

Putin influence: State Dept senior people and budget cut—Tillerson out of Trump loop.

Ivanka meets with Germany instead of Sec State. USSR medal for Tillerson and Flynn.  

Tillerson tells allies the Trump “Secret Plan” to defeat ISIS—same as Obama’s plan.

Putin influence: Another Putin critic killed in Kiev but Trump says just like US.

Putin influence: Russia riots--Putin’s close associates have amassed vast illicit wealth.

Like Trump, Putin has “alternative” facts that do NOT show riots on state TV.

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

Regulators are the only protection against corporations since we can’t sue anymore

“It is nearly impossible for one individual to take on a corporation with vast resources.” Supremes stop us from suing—State courts no longer available to sue corporations!

Steve Stockman (R-Texas) is accused of stealing nearly $800,000 from 2 charities.

Congress cut regs on keeping my browser/app cites secret so telecoms can sell my data

Nissan recalls 56,000 leaks that can cause fires

4,000 items on Amazon show list price higher than real price to make “discount.”

Daniel Glick, Chicago financial advisor caught using seniors’ money as his own.

Christie throws 2 employees under the bus in his revenge politics. Now drug czar.

Anti-Planned Parenthood activists now felons get jail.

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

GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.

Police want gun control.

When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

Police organization issued a formal apology for the historic mistreatment of minorities.

Police to buy military weapons to use against civilians again.

FL makes it easier to kill others if you feel threatened—“prove I didn’t feel threatened”

OK 23 year old kills 3 teens with AR 15 in home robbery—no charges—stand ground.

SCAMS:

Keystone pipeline China steel moves billions from Canada to China—few US benefits

Ignoramus Award:

United Air cancelled tickets of two teens bec wearing leggings – fashion police or Ivana ?

“We want people to be comfortable as long as it’s neat and in good taste for that environment.”

GA tells couple they can’t name their child what they intend. Must be a parent’s name.

How our government wastes our money:

$7 million for TV ads for an anti-choice Supreme Court judge? We don’t elect them.

The Wall money comes from cancelled medical research to cure diseases.

Each week the golf outings costs us $250,000 even at his own club, SS and coast guard.

Afghanistan fired 1,000 army personnel and generals for corruption—US provides $

Where have all the jobs gone?

Robot sales have tripled and someone must control and repair them. Pizza delivery in EU.

BlackRock largest asset manager, cut 30 jobs and fees. Vanguard takes clients.

NASA employees lose special door lock in space. Retraining or resign? No extras?

Which job board sites are best for your job search?

Ransomware recovery: http://securityaffairs.co/wordpress/53438/malware/ransomware-recover-guide.html

Cancel Robo calls with Mr NoMoRobo: https://www.nomorobo.com/

Miracle:

It would be a miracle if Americans could win back the government from politicians.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alert

TrumpCare could be America's salvation

TrumpCare could be America’s salvation

The solution is staring everyone in the face. Those who do not have medical from their job will be automatically covered by Medicare. Medicare will be powerful enough to negotiate (Trump’s claim to fame) lower prices for all. Big Pharma will have no choice but deliver for us—fair prices and for themselves—volume profits. The bureaucracy already exists so no new department. The Don can go after the Medicare mills and illegitimate providers. The costs for all will be less and The Don can claim a win. The total money spent would be the same; it just gets used for more people. The people who need coverage are those at risk—just like elderly. Medicare was created because seniors could not find coverage in the open market at a reasonable price. Same situation now. There is nothing in the Constitution or US Code that says we must prepay health care in advance for all Americans. We pay as we go for military protection and law courts etc. In fact F35 and Zumwalt is $billions over budget. Medical care is like water and air. It is a basic right not just for those who can afford it.

The entire government has good health care we pay for.

Why not us?

https://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Cars that have problems you should avoid

No matter what the price, these 18 cars have documented high-cost repairs. Even expensive cars like Audi RS6. Audi owners often complained of front end suspension sagging. Most complaints about the RS6 have been limited to the older 1st and 2nd generation models of the RS6. The other 17 lemons have all kinds of limitations. But even if you find one at a discount, do you want to spend time in the shop. Also don’t touch the TEN with the greatest number of safety complaints from owners.

Don’t forget to ask for discounts on your insurance: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Why tax code reform will never happen

Despite The Don’s claims, tax reform will not take place because corporate lobbyists and our reps have been paid $ billions to make tax policy very good for them. Nearly two-thirds of U.S. companies and 68% of foreign corporations do NOT pay federal income taxes. Those that do, pay an average of 12.6% not 35%. We pay more than 12.6%. Some firms have avoided tax by putting $2.10 trillion of profits in tax shelters overseas. Most individuals can’t do that legally. The wealthy will always find ways to avoid taxes. With lawyers, you can hide your money and still claim you’re legal like Romney did. Some firms have paid huge sums for lawyers to create a “carve out” and paper losses so they can write off taxes. The Don deducted $ billion in 1995. And some receive subsidies which are tax laws their lobbyists write for their special circumstances. For instance, GE has received a refund despite reporting a profit. Almost every large firm and sectors has subsidies or tax benefits. We even pay oil companies with profits. There are specials for corporate leaders too. Ryan and the GOP have proposed a national sales tax (“consumption”) so that you and I will pay more to make up for low 12.6% rates. But that won’t fly. In fact, KS is now reversing the GOP tax cut for wealthy to grow jobs in 2012 because made it worse for all of Kansas except Koch Bros. Why would corporations and wealthy allow a change to the system that benefits them at our expense? The deficit goes up and we pay for it regularly.

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

What happens if you don’t have a will? Do you need one?

Most people don’t need a will because most people have already designated their beneficiary. Most people own their home jointly with a spouse or child. Most people with retirement funds or brokerage account have named their spouse or kin as beneficiary. At death, their joint checking or individual account will go to kin. There is only one reason to have a will and that is to name a custodian for under age children or if you have large assets not held in a trust. But most people don’t have these items as they pass into retirement. They may have a small life insurance policy to pay for the funeral and final expenses but usually even that is an unnecessary expense.

A will is not needed. https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

GOP to end our only protection against Wall Street gouging

The most successful agency created by Dodd-Frank is the Consumer Financial Protection Bureau. If Trump allows them to kill this agency, we will have no way short of a $ million fund to sue corporations to fix financial service firm that plunder those without lawyers. With over 700,000 complaints, we can see which firms need to be avoided. This is only way to get our money back if we have a problem without going to biased arbitration. It caught student loan servicers abusing our service members intentionally (overcharged in violation of federal law). Because of the database, Chopra said, “for the first time, consumers feel there is a government agency that's actually working for them.” And of course, the GOP can’t wait to get rid of it. 27 million Americans have been helped which costs their funders $12 billion in restitution. There are probably another 27 million that never knew about the CFPB to make a complaint.

Don’t be Trumped by The Don’s economy: https://www.amazon.com/Dont-Trumped-Dons-economy-strategies/dp/1542615143

Tax breaks for your small business

You know that The Don is famous for claiming he pays as little tax as possible: “I have a write-off. A lot of it is depreciation, which is a wonderful charge,” he said. “I love depreciation.” Depreciation is an expense for using assets (buildings, cars, etc) over time. The Don has buildings, planes, etc. As owner, he can offset his income (Apprentice, etc) with business expenses and end up paying no zero taxes.

Let’s count the ways you can avoid taxes too: deduct costs incurred for launching a new business before you actually form it. Deduct the full expenses associated with purchasing, running and maintaining a vehicle. Magazines and other materials used for information about your business. Your business losses may be deductible as bad debts and offset other income. You can deduct business or personal loan interest used for the making money. Office space even in your home is deducted from income. Any fees you pay to run the business as well as utility and phone services are deductible. A tax-Free retirement plan is a business expense. Your tax shelter accountant fees are deductible. You can take a credit against any tax due by hiring a vet this year. There are many more offsets to income even income from your current job.

You may not be able to deduct $ 960 million like The Don yet but a business is the American way to avoid taxes. https://www.amazon.com/Your-Hidden-Wealth-Reserve-Reduce-Taxes/dp/1540435148

Watch as your company pension is sold

Insurance companies think they can make a killing on your pension so they are trying to buy them from your company. Prudential, the biggest player in pension transfers, said it had finalized $2.2 billion in pension deals during the fourth quarter, including a $1.8 billion deal with United Technologies (Carrier). Make sure when it happens you understand the options. Can you take a lump sum instead? Is the insurer sound? Your company wants to quit carrying your pension because when interest rates are low, it has to set aside more money for future payments to you. When rates are high, the pension money looks good on its financials. If your firm is good at investing, it is a great business. However, your firm may be slimming down—get rid of back office to India, pensions to Pru and foreign subsidiary profits to foreign tax shelters. The trend may continue. For instance, GM's current pension plan that is still held by the company is underfunded by $7.2 billion even though GM dumped some 76,000 pensions by going bankrupt in 2009 after killing 24 drivers in unsafe cars made that way.

Make your pension tax-FREE: https://www.amazon.com/Your-Pension-Box-tax-FREE-employer/dp/1481945157

Now, ‘advisors’ will show how they are paid more for ‘house’ brand, finally

Bank of America will stop offering commission-based retirement accounts and will disclose fees that clients pay to the firm’s 14,000 brokers (‘advisor’ is not accurate term since they are paid to sell not advise). Up till now, we never knew how much the sellers got paid. We still don’t know how much their FIRMs get paid. Merrill Lynch will break out fees for asset management services and products including mutual funds, alternative investments and commodities. Such fees previously were embedded in statements in ways that customers found hard to understand intentionally. They still won’t show that the “house” brand is usually more expensive and thus more appealing to your salesperson because they can meet their monthly revenue goals with those products. According to Chase wealth management sellers, Selling products that may be better for you are not even discussed.

Avoid the “high-cost” sellers and earn 50% more: https://www.amazon.com/Pimps-Wall-Street-money-middlemen/dp/151525254X

We are entering the Twilight Zone:

"There is a fifth dimension beyond that which is known to man. It is a dimension as vast as space and timeless as infinity. It is the middle ground between light and shadow, between science and superstition, and it lies between the pit of man's fears and the summit of his knowledge. It is an area which we call the Twilight Zone" where “alternative facts” and illusions of conspiracies are lived out. Lies are considered truth. 

Rod Serling

  

The Trump Presidential Style

Remember, Don Trump is still a contractor from Queens NY, just richer than most. As a promoter, his income is from lending his wealth “brand” to other’s buildings and golf. The Don does not like to read so policy is 1 page of MAPS—he likes maps and TV. He conducts secret state business in front of the wealthy, letting them play with the nuclear “football” that can kill Earth. Richard DeAgazio might be Russian spy who switched nuclear briefcase on Rick during photo op.

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Promises (lies) and Actual outcomes:

The Don is a compulsive liar and fears failure of any kind—Even Fox News knows

Lies easily proven are dismissed as “my staff gave me this” “I read it somewhere”

“I have nothing to do with Russia.” Reality is he had many contacts and envies Putin.

The Don’s Russia expert caught making sanctions deal BEFORE inauguration FIRED

Trump does not see that as a problem. Flynn lied to FBI makes him a felon suspect.

The Don’s staff using private emails to avoid tracking JUST LIKE HILLARY

The Don’s Labor Puzder who did not pay SS tax for his housekeeper FIRED (withdrew)

GOP McConnell’s delusion: “I think Andy Puzder is an outstanding choice”

Clown Show:

The Don needs EXTREME VETTING on his staff – refugees are already vetted for 18 mos. Flynn, Conway, Puzder and Crowley are “bad” for business. He kept Flynn’s lying to Pence about sanctions deal hidden for 2 weeks. He blames media for his mistake of course. 

The Don’s Defense wants to send big combat force back to Syria to fight ISIS like Iraq. He formerly said “knock the hell out of them” with secret plan (nuclear bomb) for ISIS

The Don’s Wall now costing twice as much and won’t be paid by Mexico at all.

The Don’s TrumpCare will be ObamaCare with tweaks to save face. Not GOP plan to be decided by states with no subsidy for the poor and it’s voluntary—the Bush II plan.

The Don’s “get tough on China” is forgotten

Free Pass: The Don’s poor hiring decision on Flynn will NOT be investigated by House.

The Don’s “get tough on immigrants” is now Dems saving theme

The Don’s millions of illegal votes is now non-starter—his own team is registered twice

The Don’s aides are trying not to appear “weak” or “low energy”—not good attributes.

The Don’s promise to “save” Social Security Medicare could mean cuts and vouchers. GOP plans to “save” programs by cutting benefits and giving vouchers.

The Don is really upset that Obama voted as the 12th best president in history.

Finally bringing comprehensive health care to the neediest.

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Regulators are the only protection against corporations since we can’t sue anymore

“It is nearly impossible for one individual to take on a corporation with vast resources.” Supremes stop us from suing—State courts no longer available to sue corporations!

Hartford caught trying to change VA owner’s options and payouts.

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

GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.

Police want gun control.

When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

TX wants everyone to carry gun everywhere and you don’t even have to know how  

Congress kills rule against mental ill buying and carrying guns: NRA happy

Police organization issued a formal apology for the historic mistreatment of minorities.

Police to buy military weapons against civilians again.

SCAMS:

Promoters are selling “secret” retirement plan called 26(f) which is really life insurance https://www.law.cornell.edu/uscode/text/26/7702. If you have huge policy, you can borrow from it for “tax-FREE” income. Scam is new name but old as 1899.

Ignoramus Award:

Trump embarrassed by his own promoters

The Don signed the Muslim ban without consulting others about the effect and history of such acts. The ban was written by Steve Bannon and Steve Miller, right-wing conspiracy promoters, who now seem to decide foreign policy issues. Bannon got Trump to replace the Joint Chiefs on the top security committee with himself. Miller learned right-wing religious propaganda from Michele Bachmann and Jeff Sessions.

How our government wastes our money:

The Don’s business ventures cost $ millions a week to guard: Entertaining Japan PM in public setting at aLargo, Eric Trump’s trip to promote a Trump-brand condo tower in Uruguay required more Secret Service than we have, Mel and son Baron are hold up in The Tower with 4 streets blocked by NYPD, Bedminster NJ golf estate.

Where have all the jobs gone?

Which job board sites are best for your job search?

Who owns your account now?

Trian Partners to control Procter & Gamble for layoffs and cancel brands and break up. 

Verizon to take Yahoo

Aon employee benefits business to Blackstone Group

Miracle:

The nuclear codes in “football” were not stolen from Trump resort while Rick’s photo op.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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