Which investment is best during market volatility?

Which investment is best during market volatility?

The market is continuing to rebound from its low in December. With the possibility of another government shut down and the fall in annual GDP, where can we rest for the long haul? What is Buffett doing? Buffett is always concerned about the future value not the next year or two. Our first question: Am I concerned about my long-term (10 years) money or short term swings? Most unbiased advisors tell us to “don’t sweat the small stuff” or “my holding period is forever.” Most long-term investors don’t panic and “stay the course” and “press on, regardless.” That was John Bogle’s common theme. When I have doubts, I look at this chart: IVV (market) for Max time (2000). Am I better off for staying in through 2007-8? Yes. This was why Buffett won the bet with stock-pickers recently. But I am getting nervous. I am close to retirement and can’t afford to wait long if the market is flat for many years. My choice is to stay in the market but move 25% into an experience balanced fund like Wellesley Income (62% bonds). It returned 9.5% since 1970 and 8% for last 10 years. I have to go with people who are smarter than me.

Trust wise unbiased advice: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

Dems can’t make the wealthy pay their fair share of taxes

Wealthy people have ALREADY figured out how to avoid paying high taxes. No one paid 90% back in the 50s despite the IRS rules. Some Dems have proposed a 2% levy on fortunes of more than $50 million and a 3% tax on the assets of billionaires. Others want to raise the tax rates. But unless Congress gets rid of the loopholes and special provisions used by themselves and the rich, Dems are just conning us. For instance, Jared, like father-in-law, uses the real estate tax shelter to pay no income tax. Tax rates don’t apply to him—his assets are in LLCs. He even gets a refund from us. Some wealthy folks have moved their money overseas like Apple and other the larger corporations. In fact, we pay many corporation’s taxes for them in the form of ‘subsidies, grants, loan guarantees,’ etc. Some wealthy people use their own private foundation/museum to hide assets or like Trump, use them to offset income. Many use their failed business ventures (using bank loans) to offset income. Trump declared a $916 million loss on his 1995 income tax returns, a tax deduction so substantial it could have allowed him to legally avoid paying any federal income taxes for up to 18 years, records show. The wealthy use many ways that are legal. In fact some of the tax code was written by them just for them. Certainly the rich use special accountants and lawyers to make sure they don’t pay. When income and assets are hidden, tax rates mean nothing. We can use a small business and a special tax shelter to help us avoid paying their taxes. Rich are way ahead of us on income.

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

Free tax preparation by a live person or easy software to efile

January 28 was the first day of FREE ‘human’ preparation by AARP tax-aides. Or use the commercial software provided from the IRS site to efile yourself. Pick one at https://apps.irs.gov/app/freeFile/. Since many of us take the standard deduction, the electronic forms are easy to complete and efile—refund comes quicker. Make sure you have all of your docs: https://www.irs.com/articles/tax-form-checklist. For human preparer, sign up at locations near you: https://www.aarp.org/money/taxes/aarp_taxaide/

Average refund can secure nest egg: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

How much do you need to save for retirement?

Does your advisor show you how to project your accumulations for retirement? Do you know how much your 401k will grow over time? Is your nest egg growing well or do you need to add more money? Have you compared your balance to the mean and average for your age group? Which software can you use to have some idea how much you will have vs how much you will need? Find out now so you can change.

It’s your life: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

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

Make America, “The Don”, Great Again

Senile Psychosis or Parkinson’s delusions? quetiapine and clozapine

Truth isn’t truth, his lawyer says

Yes, he ‘coached’ Cohen for Congress, his new lawyer says

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

Can’t understand why unpaid workers (slaves) need food banks

Is this our America? Forced off bus to prove citizenship; ICE says papers are fake

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

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

FAA started closing airports: unpaid controllers may be stressed—out of money!

Shut down promised by Trump in 3 weeks: Can gov make slaves (no pay) do anything?

EPA under Trump stopped enforcing law against polluter criminals: Years to restore.

Trump’s Apple factory jobs promised WI 13,000 jobs: gone with $4 billion subsidy.

Trump gave $60 million to consultant but hired only 33 out of 1,500 border agents.

Trump: ‘after all I did for the military’ they owe me ‘I’ve done more than any president’

Congress told it will ‘take at least a year for the IRS to return to normal’: no audits!

5,000 military called to arms INSIDE United States to control Dems & resistors to Trump

WALL not needed: Drugs enter US in trucks not on wall —give drivers asylum! Cheaper

SCAMS/SPINS:

Scammers use SS own phone number on caller ID to steal our SS info. BEWARE.

Hackers use your home security cam to feed false alarms: Fake News—‘missile attack’

Enova caught debiting consumers’ bank accounts without authorization: fine, not jail.

Brokers are warned to stop overcharging clients for 529 college savings plans

8,400 scammed: protect yourself 5 tips—‘con’ short for ‘confidence’ men. Trust none.

MetLife scammed thousands out of death benefits 1992-2007: kept money for profits.

Phillip Michael Carter, TX, caught Ponzi with fake promissory notes: 270 victims.

FDA warned 23andMe to stop selling tests that claimed to foretell medical conditions

Fiat recalls Ram trucks for power steering failure

Is Chevrolet really more reliable than Toyota, Honda, Ford, etc as claimed on TV?

GOP questioning the citizenship of thousands of DEMs in TX: 100,000 must prove self.

Trump’s news office is not WH but Sanders on Trump TV: propaganda for followers

Trump: I know more than our intelligence community—Putin talking!

Sanders: ‘God wanted Trump to win the 2016 election’ God wanted Hitler? Child abuse?

Putin passed law against gov ‘disrespect’: Trump’s next step? Dictator by ‘Emergency’

Trump REMOVES sanctions from Putin mobster so they can hack 2020 primaries.

Putin wanted Trump to put USA in chaos—national emergency “marshal law” next?

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

GOP can’t say “You’re fired” to Mob Boss because his voters will ‘kill’ them in 2020.

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:

Amazon builds spaceship engines in AL: 300 openings

Truck drivers paid $90,000 at Walmart

FACT: Increases in minimum wages over time don’t destroy jobs or hurt growth.

Which industry creates most jobs? Durable goods manufacturing.

Who owns your account now?

The-Best-Customer-Rewards-Programs/2183066.html Free stuff for your sign up.

‘Hunters’ aren’t hunters but mass murders: Killing for damage is NOT 2^nd Amend. right!

‘Hunting’ rifles like these killed 58 music lovers; maimed 200 in seconds. Legal still!

Miracle:

Autistic kid in VA gives Fed workers his 72 jars of peanut butter (his fav food)

One Chicago citizen donates hotel rooms for 70 homeless on chilly night. No more gas.

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

You can increase refund or cut tax

It is not too late to increase your refund or cut IRS tax

Tax filing is half over. If you find you owe tax instead of hitting the refund button this year, you may still be able to claim your refund. You can reduce your 2017 income and receive a tax credit. Credits reduce your taxes dollar for dollar. In effect, IRS code can help you reduce taxes like The Don AND save for retirement at the same time. On line 32, Form 1040 or line 17, Form 1040a, you can enter up to $5,500 ($6,500 over age 50) as IRA contribution to reduce your income. If you meet the qualification, a credit will show up on Line 51, Form 1040 or Line 34, 1040a. You subtract this credit from your tax. EG: Income $66,000: tax refund is $3,335, without IRA contribution. With the contribution, the refund is $4,392 or $5,553 if you both make the contribution. Credit against tax is $400. IRS checks your IRA. Use: irs.gov/app/freeFile/jsp/index.jsp

For help with complicated returns: https://irs.treasury.gov/rpo/rpo.jsf

Take the deal: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

All the things that our Wall Street advisor tells us to do is wrong

Set up your asset account and let it grow by itself.

Fidelity analyzed its most successful accounts. Results:

Either the client was dead or forgot about their account.

Warren Buffett has confirmed the same success factor. He says:

“The stock market is a device for transferring money from the                            impatient to the patient.”

“We continue to make more money when snoring than when active.”

The DALBAR study:

The average investor earned just 3.79% a year while the stock market earned 11.06% over the last 30 years.     DALBAR’s QAIB

Morningstar the rating firm found:

“In every single time period and data point tested,

low-cost funds beat high-cost funds.”

What are these 'Assets that grow by themselves'? : https://www.amazon.com/Assets-that-grow-themselves-snoring/dp/1986381226

Is your advisor living up to the promises?

How do you judge your advisor as an advisor about money management and meeting your goals? Do you just ask that they not lose your money? Over what period to you judge their results? Are you fair with YOURSELF? Sales people always have a good story. Just listen to any TV commentator or your own advisor. “Market went down because ….” Do you check the benchmarks? A stock market index fund has provided 11.11 since 1976, 21.67% in 1 year; 11.26% in 3 years; 15.62% in 5; 8.37% in 10. If your advisor is providing a 40% stock 60% bond portfolio for ‘safety’, are they exceeding the classic balanced fund after fees: 9.85% since 1970; 10.20% in 1 year; 6.45% in 3; 7.31% in 5; 7.11% in 10. If not, why not? Fees are the largest drag on returns. Maybe it is time to go your own way since success in stock picking is very hard.  

Try the new way: https://www.amazon.com/Build-Your-Tax-FREE-Wealth-Reserve/dp/1456505041

Warren Buffett provides FREE advice on how to beat the Wall Street pros

He bet a market guru on Jan 1 2008 that his SIMPLE advice would beat the professional money managers. He took a bow in his annual letter to his fund owners: “A virtually cost-free investment in an unmanaged S&P 500 index fund would, over time, deliver better results than those achieved by most investment professionals …” And his choice did after inflation—8.5% a year vs 2.9%. “American investors pay staggering sums annually to advisors, often incurring several layers of consequential costs,” and with little to show. Buffett’s final message: “As an investor’s investment horizon lengthens, however, a diversified portfolio of U.S. equities becomes progressively less risky than bonds.” Read how a really successful investor earns over 19% a year. Read why PI is important to us:

Earn more with Buffett’s SIMPLE strategy: https://www.amazon.com/MasterClass-Buffetts-SIMPLE-Strategy/dp/1983485268

Did you leave a pension at a past employer?

We change jobs or employers fold and leave our money with the PBGC. Sometimes the bankruptcy takes a long time and you are never notified how much is yours. You may be able to claim your portion of the $ millions left behind. First, search the PBGC: https://www.pbgc.gov/search/unclaimed-pensions. Second, try the Dept of Labor: https://www.dol.gov/agencies/ebsa/about-ebsa/ask-a-question/ask-ebsa. The best option, according to Bloomberg: Call one of six regional pension counseling projects affiliated with the Washington-based nonprofit Pension Rights Center (pensionrights.org). The regional offices handle a range of retirement-benefits issues for consumers and act as a liaison with the plans. Elizabeth Warren’s law would create an Office of Retirement Savings Lost and Found to serve as a clearinghouse for retirement plan information and require employers to provide data for a national searchable database that could be used by all retirement plan participants. GOP may cancel funding for Warren’s law in their panic over lost revenue this year.

Fix your current pension: https://www.amazon.com/Robbing-You-Blind-401k-fees/dp/1493588966

Would you rather earn 8.5% a year or 2.4%?

Buffett won his bet with 5 Wall Street ‘professionals’ that the Vanguard 500 Index fund would provide a better return than the pros. The Index fund returned 94% vs 24% over 10years. Why don’t most investors use index funds? Most think the expensive Wall Street ‘professional’ managers are smarter than the market itself. Managers take a lot of fees from investors but 95% of them fail to match the market. No manager knows the future. No manager can know all the conditions affecting the companies. Luck has role.

Bet on Buffett’s strategy not on Wall Street’s ‘experts’: https://www.amazon.com/You-Beat-Wall-Street-professionals/dp/1986031373/

20% of us aren’t saving any money; 78% living paycheck to paycheck

Most say expenses are the biggest obstacle, with 39% of the respondents citing this as the main reason they’re not saving. 16% said their job isn’t good enough, while an equal amount said the main reason they aren’t saving more is because they haven’t gotten around to it. Living with debt and no emergency is the American way. Perhaps in this culture of immediacy we don’t worry about tomorrow like older generations HAD to. No jobs and starvation was a prime motivator after the 1930s wiped out their way of life. (NOTE to climate deniers.) Without preparation, some could find housing in L.A. for the homeless. Others may find food illegally from volunteers. Others may try making it on $9 per hour if they can find work. Even if we work all our lives the average SS benefit is $1,341 a month. That may be cut 25% in 16 years if GOP holds Congress majority. There are more retirees and fewer workers so we either stop making wars, bombs and missiles or we live shorter lives.  

Start your own Wealth Reserve: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle/dp/1466394285

IRS free filing sites avoid $300+ cost of filing taxes

Commercial tax prep sites offer expensive loans as advances on your refund but you can keep your whole refund using the IRS free filing partners. Refunds can be in your account within 2-3 weeks. Remember: IRS does NOT call you. The average refund is over $3,000. Check if you have a refund for a previous year—there is over $1 billion from 2014 alone. https://www.efile.com/unclaimed-irs-tax-refund-checks-and-bank-deposits/. Check your refund: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp

You can create a tax-free retirement fund of $500,000 with that amount each year. If you need free tax preparer service for your 1040, use AARP Tax Aides near you. Bring last year’s return and ID: https://www.aarp.org/money/taxes/aarp_taxaide/. If you have a simple return: FreeTaxUSA or FreeFile: https://apps.irs.gov/app/freeFile/jsp/index.jsp.

Use your refund to fund your tax-FREE IRS approved account: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

One advisor claims investors are turned off by advisor’s bling

Nick Richtsmeier says his industry must stop trying to impress the wealthy to become clients. “It’s an empathy gap that is the effect of decades of culture in the financial services that creates a barrier between people who give advice and those who need advice,” he says. Brokers/advisors created the image of a financial professional as one wrapped in luxury cars, exclusive neighborhoods, expensive clothes and jewelry. Somehow this proved they were successful at making money but investors are now realizing that THEY, the investor, had to pay for all that bling. “Clients today are more interested in facilitating high-quality decision-making,” Nick says. The average financial advisor makes approximately $140,000 a year, says Richtsmeier, but the average American household reports an income of less than $100,000 a year. Most of the advisors I have worked with make less than $90,000. Most Americans who reach $1 million in assets have already been investing effectively on their own. Advisor fees can hurt more than help you. Try paying less and earning more.

Move to the next level: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Avoid these cars according to JD Power

In 2016, Kia leapt to the No. 1 spot, ending the nearly 30-year reign of premium brands. It held on to that top spot for 2017, with Genesis, Porsche, Ford, and Ram rounding out the rest of the top five. But while a rising tide lifts all boats, there are still winners and losers. 10 with the most problems you should not buy: Infiniti, Jeep, Subaru, Audi, Mazda, Land Rover, Mitsubishi, Volvo, Jaguar, Fiat. Consumer Reports shared similar views. After ownership, Power likes this list of most dependable: http://www.jdpower.com/ratings/study/Vehicle-Dependability-Study-%28VDS%29-by-Make/846ENG

Save with discount insurance: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

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

Make America, “The Don” Great Again

Palace intrigue: Trump’s movie will star himself and family in 2022. Putin does cameo.

(Putin has videos of the star in compromising XXX sex acts we can’t describe here)

Trump’s stage name is ‘David Dennison’ when others pay $130,000 for his sex.

A movie is the only way to understand how Putin got Trump elected. Will Putin poison him?

(Mel will tell all in her new own book)

Jared/Prince made a secret ‘back channel’ to Putin … like Benedict Arnold?

Our intel agencies: we are under attack and Prez says not—aid and comfort to enemy?

Bannon admits the Trump-Russian meeting was “treasonous”

If the Russians contacted you, would you call the FBI?

Jr didn’t. ‘collusion;’ … or treason!

Trump Is 'Doing Putin's Job for Him' by Attacking our FBI: McCain

Mueller indicts 14 more conspirators for illegally helping Trump win election

Putin’s influence: Manafort, Flynn, Gates, Page, Stone, Papadopoulos, Sater, Zwaan, Prince, Jr, Jared, Sessions, etc

How many other people can Trump blame for Putin’s meddling?

Putin has hacked control of our utilities

’I could shoot someone on 5^th avenue and not lose voters’

Trump to refuse to answer special prosecutor’s questions: Above the law?

Trump’s co-conspirators take secrets without clearances. Traitors?

GOP House will never impeach their ‘Savior’

The Path to Dictatorship

“I have absolute right to do what I want to do with the Justice Department,”

Trump Says He Has An 'Absolute Right' To Control The FBI and Justice Department.

(Court judges in Reich were instructed to submit lists of lawyers who would be trustworthy. The main requirement was absolute political reliability. Hitler’s Justice) Fill courts with Trumpism.

Bannon and I wish to “destroy the state”–our government: “I want to destroy regs”

GOP to destroy FBI investigators and rule of law to save their mob boss’s crimes

Mueller prosecuted Gotti too and won

FBI doing its job following Kremlin ‘advisor’, Page, a suspected Putin spy

Tillerson told the truth so the MORON fired him.

“I’m a very stable genius” Can you pass Trump genius test?

No real businessman would act or communicate like The Don. ‘My button is bigger’

Mafia boss methods do NOT work in government: can’t stop FBI investigation

Racist Trump calls Representative Waters ‘low IQ’ person

“Trump can’t be a racist: he had a TV show”

“Why are we having all these people from ‘shithole’ countries come here?

Trump creates religionists agency to justify discrimination

The Don defends sex assaulter and predators because … he is one!

The Don admits he “makes up things”—lies

‘I’m the only one that matters’ Mob Boss, Nov 3, 2017

The Don’s enforcers lie re: contacts to Putin and list longer: Why all the lies if innocent?

The Don’s election money from Russia via NRA   I love my Sugar daddy!

GOP suppresses vote: can voters make America normal again?

GOP uses unconstitutional gerrymandering to get elected. Supremes agree

Trump rated worst president we ever had; Obama #8 Reagan #9

‘I was elected President.’ (to destroy ‘the state’)

Dictator’s greatest weapon is fear: Dems are evil (TV ad)

Military moves into another cabinet seat so Iran restarts nuclear reactors

Trump: I want to fire any employee who does things I don’t like

Anyone who did NOT clap for my speech is “traitorous, Yeah”

“I can’t have a conflict of interest”: countries pay me rent

“Take the guns first, go through due process second,” dictator Trump said.

“He’s lost his mind”

How Govt wastes our money: Naked politics at work

Do we end up paying for Trump’s ‘secret’ whores?

Why deport law-abiding entrepreneurs—dishwasher to diner owner gone: America lost.

Trump withheld or censored more records last year than at any point in the past decade. 

Dayton OH schools lock guns in safes so they can eventually kill intruder: they feel safe.

Trump EPA man charged us $43,000 for a telephone booth in his office. What the … ?

Trump Treasury man used military planes ‘personal privacy’ cost us over $1 million

SCAMS:

What happens when two lying B.S. artists get together to talk?

Trump retreats on gun laws after late night visit--he fears NRA like the GOP he accused. 

            NRA made offer he can’t refuse. Mob money to mobster. ‘Let them kill kids!’

            Will killing the killer bring back 17, deter next sick killer or parents feel good?

            Student #1 injured from IN-SCHOOL gun-packing teacher—police state is bad.

"I’ve never been in a situation when I’ve been asked to ignore the facts because it was   more convenient,” ICE James Schwab.

Trump cancels Fiduciary Rule so advisor/brokers could exploit seniors retirement plans

Jobs:

Some Trump steelworkers will lose jobs not gain from tariffs. Overall net loss to America

Who owns your account now?

IRS giving you last chance to avoid penalties for hidden assets overseas.

Big banks are again free to bring down the economy and financial infrastructure. It costs             US $29 TRILLION in the 2007-8 bailout. We gave $ millions to foreign banks.

RMD: https://www.forbes.com/sites/bobcarlson/2018/03/15/rmd-strategies-for-your-retirement-accounts/#53176b21760a

Miracle:

Meet your soul-mate as avatar in internet game. Play the game for the rest of their lives.

Porn star ‘search for the truth ’shames President: money back guarantee for services.

Dems beat Trump’s candidate again—in deep coal PA—overcame 20 pt GOP win and            Pelosi image and abortion and gun ban and ‘left hates Trump and God.’

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Are you making Fidelity owners richer?

Are you making Fidelity owners wealthy?

Your fund fees gave the Johnson family a boost. Fidelity Investment’s income rose even as its investors quit its active trader funds. Active trading fund investors are moving to passive funds on the realization that fees and trading reduce their earnings. Buffett won his bet with 5 Wall Street ‘professionals’ that the Vanguard 500 Index fund would provide a better return: 94% vs 24% over 10years. Why don’t most investors use index funds? They think the Johnson family has managers that are smarter than the market itself. They earn a lot of fees from that myth.

Bet on Buffett’s judgment not on the Johnson’s. https://www.amazon.com/You-Beat-Wall-Street-professionals/dp/1986031373/

Budget tight?  Buy new car or $1 million retirement?

Should you use $300 a month for a new car or your $1 million nest egg?

That is what it comes down to for many people: Current pleasure of being seen in a shiny new car or silently investing for a great future. Let’s do the math. $300 a month for 7 years pays for a new chevy. By then you will need to buy another one so you will spend another $300-400 a month. Most people go through 9 cars while working. Consider buying $1 million nest egg instead: Buy used cars with cash from your tax-FREE investment account. After you have invested that $300 a month for 7 years in a low-cost market account, you will have about $35,000 from your $25,200 contributions. You can take $10,000 from this account without taxes to buy a new used car. After going through this same pattern of investing instead of using your payments for a new car, your tax-FREE investment account will provide you with a $1 million retirement fund. Yes, you will not have to pay tax on money for your cars or for your retirement income. 

New cars or $1 million fund—which is for you?  https://www.amazon.com/Go-Tax-FREE-Investing-Income-Forever/dp/1482633280

GOP has no plan to stop Putin-Trump election meddling—“aiding and abetting”

Aiding and abetting is a legal doctrine related to the guilt of someone who aids or abets in the commission of a crime. It allows a court to pronounce someone guilty for aiding and abetting in a crime even if they are not the principal offender. “Russia, if you are listening, find the 30,000 emails that are missing,” is clearly encouragement. Trump admits he fired Comey because of “this Russia thing with Trump,” is clearly complicity in the crime after the fact not to mention obstruction of justice.  

Trump and the GOP are doing nothing, so they will be considered complicit in crime of foreign government interfering in our 2018 election.

Conclusion: Trump as commander in chief and Congress with the power to declare war on cyber criminals is ignoring the acts of war by Russia. Both fail to protect our democracy.

                        If they were doing their duty, they would be protecting us from Russian cyber war. Trump failed to carry out Congress law on more Russia sanctions. GOP thinks of Russia, which is out to destroy democracy, as an ally.

WOW! Reagan turns over in grave.

            Can we say that this sounds like Benedict Arnold? He received money and other things of value from the enemy. As Jr said, “We see a lot of money pouring in from Russia.” Putin may have discovered something that Trump wants more than being president. GOP wants to hold power at any cost: President does money laundering, sexual assaults, lack of leadership, obstruction of justice, and conspiracy with Russia to win election.

Former presidents have faced impeachment for lesser crimes. Clinton charged with lying. Nixon subpoena before resigning. Trump guilty of aiding/abetting the enemy, obstruction of justice, failure to protect us in war, misuse of power, violation of emoluments clause, sharing secrets with enemy in Oval Office, inciting violence by incendiary remarks, lying about immigration, lying about trade. Mueller will need to indict Trump kids before he resigns—son and daughter have no clearance and using their office to make private deals.

Electrics are not perfect either

Experts say a Toyota Prius software fix may reduce fuel efficiency. Meanwhile, some owners of Tesla’s Model 3 are reporting quality problems. These vehicles have been at the top of most quality and reliability surveys. Battery overheating still remains a problem. Perhaps new technologies need to time to sort out long-range use. JD Power still finds a 3-year-old Lexus has the fewest problems. Cadillac fell to poor while Kia rose. Buick remains high on the list. Used cars to avoid include the most expensive, according to Consumer Reports. Some 1-year old cars lose 30% ($11,000) of value. Electrics and new technologies don’t seem to help when it comes to insurance costs either. Consumer Reports found that there were almost no discounts for new technology like blind-spot warnings. Sell your gas car to https://www.kbb.com/instant-cash-offer/

You must ask for every discount: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Trump adopts NRA new line—more guns in ‘hardened schools’

But he promised no guns in schools: Trump denied wanting guns in school: Tweeted ‘Wrong’ to Hillary accusation I want guns brought into the school classroom,”

Formerly, NRA said “no guns in schools, period.” Now gun battle is for your ‘freedoms’ not guns. Makes it look like the gun lobby is saving democracy. They sell GUNS.

Now Trump wants guns and “hardened” schools—like banks. NRA proclaimed “hardened” schools and more guns to fight other Americans in TV advert.

Parkland had armed guard but high school shooter got in and out as student. Virginia Tech had teachers with guns and couldn’t stop killer.

Now Trump mimics NRA—Dictator Trump wants to scare voters: Dems want to take away your 2^nd Amendment ‘freedom’ to kill your ‘enemies’—other Americans.

FL legislature already decided NOT to have discussion about assault weapons in FL. Arm the teachers.

Warren Buffett provides FREE advice on how to beat the Wall Street pros

He bet a market guru on Jan 1 2008 that his SIMPLE advice would beat the professional money managers. He took a bow in his annual letter to his fund owners:

“A virtually cost-free investment in an unmanaged S&P 500 index fund would, over time, deliver better results than those achieved by most investment professionals …” And his choice did after inflation—8.5% a year vs 2.9%. “American investors pay staggering sums annually to advisors, often incurring several layers of consequential costs,” and with little to show. Buffett’s final message: “As an investor’s investment horizon lengthens, however, a diversified portfolio of U.S. equities becomes progressively less risky than bonds.” Read how a really successful investor earns over 19% a year.

Earn more with Buffett’s SIMPLE strategy: https://www.amazon.com/MasterClass-Buffetts-SIMPLE-Strategy/dp/1983485268

What can go wrong when we don’t use Buffett as our advisor?

Harvard’s highly paid money managers thought they could manage risks other schools avoided. They blew $1 billion in bet on tomatoes, sugar, and eucalyptus. Don’t feel sorry for Harvard or all the other wealthy school endowments. They still have $37.1 billions to lose. However, because these smart people think they can earn more by paying more expensive managers, they have earned only 4.4% a year over the last 10 years. They and MIT, Columbia, Princeton, and Yale would have been better off going with Buffett’s advice. If you used him as your advisor, you would have earned 8.5% a year for the last 10 and more years. In fact, Buffett’s choice of mutual funds would have earned 11% before inflation. Forget paid advisors. They can’t even make money for the wealthy.

Use Buffett’s advice: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

Best last minute tax saving move

Tax filing began Jan 29 even though all the forms are late in arriving. If you find you owe tax instead of hitting the refund button this year, you may still be able to claim your refund. You can reduce your 2017 income and receive a tax credit. Credits reduce your taxes dollar for dollar. In effect, Uncle Sam can help you reduce taxes AND save for retirement at the same time. On line 32, Form 1040 or line 17, Form 1040a, you can enter up to $5,500 ($6,500 over age 50) as IRA contribution to reduce your income. If you meet the qualification, a credit will show up on Line 51, Form 1040 or Line 34, 1040a. You subtract this credit from your tax. EG: Income $66,000: tax refund is $3,335, without IRA contribution. With the contribution, the refund is $4,392 or $5,553 if you both make the contribution. Credit against tax is $400. IRS checks to see you have IRA.

Take the deal: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

Is your employer’s 401k robbing your retirement income?

Retirement lawsuits are on the rise so employers are taking steps to protect themselves.

Experts warn that high fees, lack of investment options or poor investment options and breach of fiduciary duty are going to cost employers. Fee lawsuits have “exponentially increased over the past two years,” says Nancy Ross, a partner Mayer Brown in Chicago. “We saw a lot of it last year and we are seeing a lot of it this year.” Employees claim they are hurt by high priced retail mutual funds rather than lower cost institutional mutual funds, she says. For employers, it is cheaper to settle than to fight. Second, employees claim investment options include funds owned by the plan sponsor making them poor performers. Third, self-dealing, kickbacks and overpaying plan advisors are alleged.

Stop giving up your future nest egg: https://www.amazon.com/Robbing-You-Blind-401k-fees/dp/1493588966

IRS free filing sites avoid $300+ cost of filing taxes

Commercial tax prep sites offer expensive loans as advances on your refund but you can keep your whole refund using the IRS free filing partners. Refunds can be in your account within 2-3 weeks. Remember: IRS does NOT call you. The average refund is over $3,000. Check your refund: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp

You can create a tax-free retirement fund of $500,000 with that amount each year. If you need free tax preparer service for your 1040, use AARP Tax Aides near you. Bring last year’s return and ID: https://www.aarp.org/money/taxes/aarp_taxaide/

Use your refund to fund your tax-FREE IRS approved account: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

Saving taxes in 2018

Take advantage of these steps to save the most in 2018. If your tax bracket fell, you might see more in your paycheck. However, there are other serious ways to save on taxes. 1. contribute more to your 401k, 403b, or IRA especially if your employer matches contributions. 2. use your HSA if your health plan is high deductible as a tax-FREE fund for later. 3. have more kids: child credit doubled. 4. use a 529 education account for tax-FREE growth for current and future kids. 5. convert your IRA deposits into long-term tax-FREE retirement income each year as you go. 6. start a side business to deduct some of your expenses that will not be deductible with the new standard deduction of $12,000 and $24,000 for joint filers and the loss of deductions for state and property taxes. (NJ property owners may use charity instead.) Since our higher tax brackets return in 2026, it may take us another generation to pay off the $2.4 Trillion extra bonus Trump gave to his wealthy friends.

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

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

Make “The Don” Great Again

Palace intrigue: Trump’s movie will star himself and family in 2022. Putin does cameo.

(A movie is the only way to understand how Putin got Trump elected)

Our intel agencies: we are under attack and Prez says not—aid and comfort to enemy?

Bannon admits the Trump-Russian meeting was “treasonous”

If the Russians contacted you, would you call the FBI?

Jr didn’t. ‘collusion;’ … or treason!

Trump Is 'Doing Putin's Job for Him' by Attacking our FBI: McCain

Mueller indicts 14 more conspirators for illegally helping Trump win election

Putin’s influence: Manafort, Flynn, Gates, Page, Stone, Papadopoulos, Sater, Zwaan

How many other people can Trump blame for Putin’s meddling?

’I could shoot someone on 5^th avenue and not lose voters’

Trump to refuse to answer special prosecutor’s questions: Above the law?

Trump’s co-conspirators take secrets without clearances. Traitors?

GOP House will never impeach their ‘Savior’

The Path to Dictatorship

“I have absolute right to do what I want to do with the Justice Department,”

Trump Says He Has An 'Absolute Right' To Control The FBI and Justice Department.

(Court judges in Reich were instructed to submit lists of lawyers who would be trustworthy. The main requirement was absolute political reliability. Hitler’s Justice)

Bannon and I wish to “destroy the state”–our government: “I want to destroy”

GOP to destroy FBI investigators and rule of law to save their mob boss’s crimes

Mueller prosecuted Gotti too and won

FBI doing its job following Kremlin ‘advisor’, Page, a suspected Putin spy

“I’m a very stable genius” Can you pass Trump genius test?

No real businessman would act or communicate like The Don. ‘My button is bigger’

Mafia boss methods do NOT work in government: can’t stop FBI investigation

“Trump can’t be a racist: he had a TV show”

“Why are we having all these people from ‘shithole’ countries come here?

Trump creates religionists agency to justify discrimination

The Don defends sex assaulter and predators because … he is one!

‘I’m the only one that matters’ Mob Boss, Nov 3, 2017

The Don’s enforcers lie re: contacts to Putin and list longer: Why all the lies if innocent?

The Don’s election money from Russia via NRA   I love my Sugar daddy!

GOP suppresses vote: can voters make America normal again?

GOP uses unconstitutional gerrymandering to get elected. Supremes agree

Trump rated worst president we ever had; Obama #8

‘I was elected President.’ (to destroy ‘the state’)

Dictator’s greatest weapon is fear: Dems are evil (TV ad)

Trump: I want to fire any employee who does things I don’t like

Anyone who did NOT clap for my speech is a traitor

“I can’t have a conflict of interest”: countries pay me rent

            “Take the guns first, go through due process second,” dictator Trump said.

“He’s lost his mind”

How Govt wastes our money: Naked politics at work

GA law gives Delta a tax advantage others don’t receive and NRA controls GA lawyers

Some states want teachers to kill students; no states are FOR assault rifle ban. NRA win!

            FL will train teachers to kill students/intruders

Congress stopped making laws for us when our ‘reps’ could receive unlimited money.

GOP allows Trump staff to refuse questions: Don’t you go to jail for refusing?

Trump’s Housing Ben Carson buying a dining room set with our tax money. Caught!

$4 BILLION for Trump’s Air Force One. He just bought new refrigerator for $24 million

SCAMS:

Did Trump’s “listening group” really suggest giving teachers a gun to kill AR 15s?

            Arming teachers was not even recommended by police—NRA idea to sell guns.

Citibank owes you refund: claims its bankers can’t calc interest on cards correctly

Trump soliciting donations using Parkland shooting as his excuse to ask for money.

Trump killed GOP party—no GOP principles left. Rule of law and democratic way dead?

            Most Americans think The Dom is a racist. 57%; 85% of Dems

"The Faith of Donald J. Trump: A Spiritual Biography." Really? By his religionists. Oh

Bitcoin scam: pizza cost $67 if you can find some place to take it. Bitcoin accepted.

Jobs:

Those who keep working may live longer or not, studies unclear.

Who owns your account now?

Moving your bank accounts for NO-fee services:

https://www.bankrate.com/banking/checking/credit-unions-neobanks-help-millennials-skip-banking-fees

Miracle:

Will Miami flood if North Pole stays above freezing longer each year?

Aaron Feis gave his life so that others might live.

Can we prevent school children’s deaths? Let hunters kill innocent animals instead.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts