Are those “free” seminars that include lunch right for you?

 

Why do some folks wait to start taking Social Security?

One reader began taking retirement benefits at age 62 in 2010 because they could not find work. They headed a sales program at a bank after doing the same at small brokerage firms. In both cases the companies were purchased by bigger companies and this person was not needed. The spouse of this reader began taking retirement benefits at age 70 in 2013 because waiting longer provided no extra benefits. The spouse was still working so they were also adding annual benefits each year. Both individuals ended their working lives making about $100,000 gross—the highest 35 years of earnings determine the lifetime SS benefits. They have been receiving benefits for years but the amounts are forever very far apart. The reader receives $1,701 a month; the spouse receives $3,044 a month—that’s $483,480 more over the next 30 years. Their total benefits over 30 years: $1,708,200. They asked me for help in finding ways to maximize their income to age 100. Both have parents that lived a long time and they want to be prepared.

They used: https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

  

Is a Roth conversion right for you?
We have a unique opportunity to save on future taxes from our retirement accounts: a Roth IRA. Many of us have NOT had to take our RMD for 2020. Required Minimum Distributions are the IRS’s way of forcing us to pay tax on untaxed retirement savings. Since we could skip 2020 taxes on this money—perhaps 3-4% of our total nest egg of IRAs, pensions, 401ks, 403bs, we could convert some of that money by December 31 and save paying higher taxes in the future. Example: Convert $10,000 traditional IRA funds to a Roth IRA. We pay income tax on that $10,000—perhaps 22% or $2,200. Depending on our portfolio returns, that $10,000 could be worth $20,000 in 10 years at 7% annual return. In 10 years, that 22% rate could be 27.5% again. We would pay 27.5% on $20,000 or $5,500. We may save $3,300. And in 10 years we may have needed that extra $3,300 more acutely. Learn what to do with your RMD.

https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

 

Are those “free” seminars that include lunch right for you?

We have all been invited to hear a sales pitch at some time. Sure you can go and listen and not spend any money. However, what you pay for is your future peace of mind. We have had to decline calls and pitches from that initial contact for years. Legally, the sales person has the right to keep contacting us because we have a established business relationship (EBR). It is hard to stop these calls even when you ask and place your number on the DoNotCall list. The sales people don’t give up on a paid lead easily. A court order might work but you have to pay for enforcement. Also, tax-exempt non-profit organizations are not required to keep do-not-call lists. We receive hundreds of robo callers with just the town-state listed on caller ID. You need more than that to stop these sellers. Lobbyists have paid our reps to make sure they can bug us to death.

Buy direct & save headache: https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019

 

This is how Congress people make money on illegal insider information

Sen David Perdue (R-GA) is at the heart of special meetings involved with health care decisions. On Jan. 23, he learned that the coronavirus posed a major economic and public health threat, he sold off $1 million to $5 million in Cardlytics stock at $86 a share before it plunged. In March, Perdue bought the stock back for $30 a share, investing between $200,000 and $500,000. Those shares have now quadrupled in value, closing at $121 a share on 11/24. His profits did not come from superior market analysis but from insider information—something that is illegal for you and I. Martha Stewart went to jail for this kind of thing. Yet GOP led judicial arm of government never seems to find the evidence to indict let alone convict their friends. How can we have faith our reps will do what is right by us? GA voters will decide if Perdue should be representing them and tricking us. Sen. Kelly Loeffler (R-Ga.) did the same thing, sparking a Senate ethics investigation. Loeffler wrote that her household would “divest from individual stocks,” her subsequent financial disclosure form showed that she kept $5 million to $25 million worth of Intercontinental Exchange stock. Together, Perdue and Loeffler prove American-type Socialism is for and by the Rich: two uber-rich senators whose wealth helped bring them power and put them in a position where they could make more money.

https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

 

Trump promises to leave WH if Electors vote

But he promised to show his taxes before elected in 2016—but did not. He made many promises—The Wall paid by Mexico, job loss to China, end deficit, close Afghanistan, disarm Kim, etc. Can anyone believe him? After promising he will leave if states declare Biden the winner, he said, “If they do, they made a mistake.” He has still not accepted some states’ results so he may go to court to fix their “mistake,” postponing his moving date. Trump loves to fight and has his AR 15 groups “standing by.” Trump has trouble seeing facts so he is avoiding accountability on many levels. He just pardoned someone who pleaded guilty to lying to the FBI. He will probably pardon all his friends who continue to kiss his ass. Since personal loyalty is the highest good to him, he will not pardon his right hand--lawyer Michael Cohen. However, Cohen gets out of jail to avoid the sickness that thousands of poor prisoners must endure. In a larger context, he is no different than other powerful men. No one who caused the 2007-8 financial meltdowns went to jail. Obama’s lawyers say they could not have proven “intent” so we never see the powerful face accountability. Our justice system does not let our juries decide because powerful people have elite status. Judges usually come down hard on street crime but not on the well positioned. Not one executive/doctor/druggist is going to jail for the OxyContin addictions and subsequent 70,000 deaths. Oxy killed at least 70,000 but the Sacklers took $ billions home before bankruptcy. Drug dealers who sell addictive drugs like the Sackler family go to jail all the time. The wealthy criminals will continue to get away with murder without accountability. All they give up is money. Of course they will continue to ‘do the crime since there is no (jail) time.’

Trump left us a legal tax haven: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

 

Save on 2020 taxes

1. Deduct up to $6,000 ($7,000 over age 65) from income making IRA contributions each. No age limit if you have earned income.

2. Take Savers Credit for retirement account contributions. Income limits.

3. Earned Income Credit for wage earners up to $56,844.

4. Adoption Credit if you adopt.

5. Education Credit for college and non-college courses.

6. Child Credit.

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

 

One reader’s experience with Buffett advice during virus

Why is Warren Buffett’s advice to most investors the best you can get? And it is free of advisors fees and charges. His advice of “buy and hold” low-cost market indices helped this reader move their retirement nest egg from $991,546 to $1,039,555 in November alone. Buffett backs up his advice with his most recent example: he won $ million from a hedge fund manager who used 5 different hedge funds of top Wall Street ‘professionals.’ Over ten years, Buffett’s pick—Vanguard’s 500 Index—beat 5 hedges chosen by Ted Seides, Protégé Partners. Ted has moved to a higher-fee fund. Paying extra fees and charges does not assure us of financial success over time. For many folks, paying so-called financial ‘professionals’ can mean the LOSS of over 50% of our potential gains over time. We are assured of earning the market returns over time which is better than guessing whether our advisor or broker has the right answers for the coming years. This reader, a teacher, can relax in 2021 with $48,000 in extra retirement income.

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

 

Money is how foreigners and the wealthy make US policy

Foreign countries, their wealthy and their ambassadors turned to con man Imaad Zuberi to get face time in our Congress. A CIA officer called him the “best connected person I know,” marveling at the depth of his Rolodex contact list. Money is the juice that lights up the wealthy-Congressional connections. Where does Zuberi get the money to become the top donor to presidential candidates? From those with the money: “We get request(s) for meeting(s) from all scumbag of the world, warlords, kings, queens, presidents for life, military dictators, clan chiefs, tribal chiefs and etc.” Zuberi was the “mercenary” political donor who gave to anyone — often using illegal straw donor cutouts — he thought could help him. “Pay to play”, he explained to clients, was just “how America work(s).” “Pay to play” is why our interests are not what Congress considers when making laws and regulations. Even now as Trump nears the End, lobbyists make offers for Trump pardons. The wealthy—inside and outside our country—determine the course of our lives on the grand scale. Trump is not the only one who takes money from foreign players. Now you know why we taxpayers had to bailout the banks, the foreign banks and business after the 2007-8 market crash. We didn’t rob the banks; the wealthy executives and stockholders did. No one went to jail. We will pay for the bailout forever.

https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

 

Where to invest if you have maxed out IRAs

Several readers have asked where to invest since they have contributed their $6,000 ($7,000 over age 50) each for 2020. We use two options. We can prepay our taxes on deferred money in our IRA so that any growth in our IRA will be tax-FREE in our Roth IRA via an IRA conversion. This will also reduce the amount of tax we have to pay when we begin taking the mandated distributions (RMD). And/or we can buy a stock with no dividends in a regular brokerage cash account. As long as we don’t sell or trade, there are no taxes on the future gains in value and no tax on dividends. We could buy Warren Buffett’s company stock BRK.B which is really a mutual fund since it owns many other profitable companies and stocks. Many companies pay no dividends so choose wisely. One final thought: give up to $15,000 to grandkids for their 529 college fund.

https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

 

 

 

 

**********ACCOUNTABILITY**************

 

Like 1776, this period is a test of democracy—We reject the "American fascist"

 

Court: “Voters, not lawyers, choose the President”

 

Trump’s war: 280,000 KIA

 

Our ‘Truth and Reconciliation Commission’ 

 

Dictator: His criminals need pardons

 

Insanity: “doing the same thing over and over again, but expecting different results.”

 

 

 

 

How Govt wastes our money: Our Representatives gave 3.7 Trillion to the wealthy! 

Trump’s Border Patrol interrogates citizens 35 mi from Canada: No 1^st Amend; only 2^nd.

Don & Jared make killing on virus ‘loans’: keeping $3.65 million loans: crime?

Trump using presidency to set up his next job: costs us $5 million per day WH campaigns

 

 

SCAMS/SPINS:

Trump discussed “pardons for family & friends” YES, they are criminals: all dictators do it

Ivanka questioned by DC law: misuse of donors’ funds 2017 rent on Trump Hotel over $1million

For a price: pardons for past and future fed crimes for 20 of his BFF: Trump fantasy game

 

Trump threatens to fire all fed employees who were not considered loyal: Dictator’s revenge

 

Trump orders gutting a longstanding federal protection for the nation’s birds: eagles too

Trump: my own FBI and Justice Dept involved in conspiracy to help Biden

The Big Con continues: we never learn: Can 74 million Americans keep the illusion for 4 years?

Even now as Trump nears the End, lobbyists make offers for Trump pardons. Pay to play

 

 

Supremes violate Constitution: “apportioned by adding to the whole Number of free Persons”

            Constitution does NOT say “exclude immigrants” as Trump’s Supremes think.

 

 

GOP spits at new prez and Dem: no working across partisan lines: F**k Dem nominees

Trump raised $170 million keep Putin’s “American chaos” alive: Also remodel mar lago!

Trump lawyer: “kill” election security head Krebs: dictators send goon to do ‘wetwork’

 

Biden to use ‘temporary’ appointments to keep gov running?; reverse dictator’s bad acts

Some Senators trying to help us but McConnell still tells most GOP what to do and think

Georgia Republicans beg Trump to release them from his prison of lies: also whole world

 

GOP inspiring violence against fed and state election officials: Election rigged like in ‘16

Even Trump’s own Attorney General said there has been no evidence of voter fraud

Trumper’s ‘hit’ list gets longer: Even GOP regulars getting death threats: MI gov target

Trump installed his own “deep state” in agencies for sabotage: Justice banned one so far

 

91% of us actually engage with scammers on social media; 51% give scammers money!

Active service/Veterans often targets of scams: all types of fraud; taking your money

Sunbeam recalled 940,000 Crock-Pot 6-Quart Express Crock Multi-Cookers: they burn 

Town-run virus test costs $6,816 for four family members. We pay $1,944 too.

 

Fake “sale”: Popular retailers use these tricks to make us pay more for what we want

 

Beware: debt parking: collector places dubious obligations on credit file forces payment

DMB Financial MA caught misleading clients of debt-relief services: fine no jail

Eugenio Garcia Jimenez Jr., stole $7.1 million of Municipality Mayagüez, Puerto Rico.

 

Timothy Hanna PA CFP certification suspended for aggravated assault on coach

Craig Rumbaugh, Desert Strategic caught misleading on Werth Ponzi loan scheme

Anson Jean-Pierre FL caught stealing $794,000 promised Haiti development

 

IRS: Easy Steps to Protect Your Computer and Phone and Avoid Phishing Emails.

IRS: Free special ID protection PIN goes on your return so scammers can’t take refund

IRS: Previous tax returns available online: https://www.irs.gov/individuals/get-transcript

 

 

Is it a scam?  Check AARP scamline 877.908.3360.

 

Check IRS: https://www.irs.gov/newsroom/dirty-dozen-part-1-taxpayers-should-be-on-the-lookout-for-these-scams

https://www.irs.gov/newsroom/dirty-dozen-part-2-thieves-work-all-year-to-scam-taxpayers

Check Social Security: https://blog.ssa.gov/

Safeguard data: ConsumerReports help: https://securityplanner.consumerreports.org/

 

Jobs

Remote and flexible jobs: https://www.flexjobs.com/

 

 

Who owns your account now?

Check out the free services and products: you have to do your homework though

 

Miracles:

Trumpers drink more Kool-Aid: PA court; WI recount make Biden more secure

Wear your mask for others; save your personal freedom: you may be next

30 min exercise helps combat computer-sitting ‘disease’: humans need movement

 

Brilliant young scientist/inventor Gitanjali Rao: age 15 uses tech to solve problems

Moving CA highway 1 inland: oceans take back the land: Wake up ‘smell the warming’

Have Gun—Will Kill: just kill the person playing loud music in public area?

Hottest November on record: Australia wildfires burn for weeks like CA

 

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

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

 

 

 

Trump Tax Shelter avoids future taxes

Trump promised to save Medicare for working Americans

As a candidate, Trump repeatedly said he would never cut Medicare, Medicaid or Social Security. Now he wants to cut Medicare by $554 billion and Medicaid by $250 billion. He will send Medicaid money to states to eliminate coverage for citizens they don’t like. He will cut the subsidies to millions who use the marketplace to buy insurance. His budget cuts funding for the National Dislocated Worker Grants – which provides support to those who lose their jobs because of factory closures or natural disasters and the Adult Employment and Training Activities initiative, which serves high school dropouts and veterans. Trump wants to cut $214 billion from the food stamp SNAP program in the next decade, a reduction of nearly 30%. He is reducing Section 8 federal housing subsidies by more than $1 billion, zeroing out community development block grants and eliminating a $1.9 billion fund to cover public housing capital repairs—no new boilers. 29 programs that aid poor children in education will be cut. Trump selling our airports, our lands.

There will be No cuts to subsidies for oil, gas, coal, agribusiness, drug firms, or arms manufacturers. War machine gets more than it asked for from Trump. Plus parades.

Build up your reserves now without taxes: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

Trump’s attitude about both sides of the story

Trump suppresses the other side of the FBI story. Now he won’t release the other side’s view of the process of FBI surveillance of known Putin agent “advisor to the Kremlin” Carter Page. The irony is he wants sexual predators to receive ‘due process’—let’s hear the other side. However, he is not willing to let us read the Dems’ memo about the FBI.

The Don complains that wife beaters and sexual harassers like him do not get due process—we don’t hear why they beat and harass women since we don’t have assault trials. He favors hiring and praising wife beaters with tacit approval of the GOP religionists. He seems to believe that if a predator like Judge Moore claims an ‘absolute denial’ that that proves he was not a child molester. Does this not leave many Trump voters with more concerns about his ‘grabbing’ habits and paying prostitutes $137,000 for sex and twisting the ‘fake facts’ to his benefit? Lies about Tower wiretap.

Is there anything that gives ‘conservative’American’s pause? Not sexual assault, not prostitution, or not one-sided propaganda? Power corrupts absolutely.

Why can’t we hear from both sides for truth’s sake?  

GOP gives military-industrial complex $700 billion more

Americans vote for the conservatives because they promise to not spend lavishly. It seems the GOP has changed to the spending party. Senate leaders have reached a two-year deal that would set defense spending at $700 billion for 2018 and $716 billion for 2019. “I’d rather we didn’t have to do as much on non-defense, but this is an absolute necessity, that we’ve got these numbers,” said the Senate Armed Services Committee’s Jim Inhofe. Ryan has pushed for cuts in Medicare, Medicaid and Social Security in order to fund the increases but Dems resisted the cuts. Kentucky Republican Rand Paul cried about debt on Thursday after voting for the massive debt increases for his tax breaks earlier. GOP likes to borrow to pay their donors and then cut programs that benefit working Americans. The rich get permanent relief from future taxes while our tax rate reductions expire in 2026. GOP increases--not decreases--debt.

Avoid the GOP tax increases: https://www.amazon.com/Tax-Free-Living-strategies-build/dp/1477452702

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

Trump giving investment advisors another break

Trump’s SEC will not fine or censure your advisor for hiding the 12b-1 fees that mutual funds charge every year to pay for marketing funds to other people. They should be disclosed before you buy. Trump has given advisors a pass if they ‘self-report’ by June 2018. Advisors need to tell you that the class of shares they sold you benefits their firm and themselves and that there are cheaper shares available. In the past several years, the SEC has brought cases against nine firms over failure to disclose conflicts around the receipt of 12b-1 fees. Trump is removing safeguards in every agency. Manipulation by WS firms is rampant. Since no one sees the disclosures in the prospectus, you may not know that your advisor fees can take up to 63% of your possible accumulations.

Stop the robbery: 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. 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

Why luxury cars are NOT selling

Why are sales of Mercedes, Porsche, Lexus, etc falling like a stone? Well-to-do buyers want something different. They want 707 horsepower, 10 speed luxury rides. What? Yes, if you can drop $80,000+ at a local lot, you want something to impress. BIG trucks are the thing. GM, Ford and Jeep are making more money. You can control 7 different road surfaces, use big chrome wheels, a power tailgate, cameras on four corners and an adaptive cruise control system like Audi’s. The seats are nice too.

Don’t forget luxury insurance: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

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

Make “The Don” Great Again

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

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

Our intel agencies: we’re under attack and Prez says no—aid and comfort to enemy?

Mueller indicts 13 more for illegally helping Trump win election

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

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

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

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

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

Dictator’s great 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

How Govt wastes our money:

FEMA spent $156 million for 30 million storm meals. Scamer T Brown delivered 50,000.

GOP votes to “ask” our ‘reps’ to repay us when we pay for their ‘sexual’ settlements.

Would your lawyer pay $130,000 for your prostitute out of his own pocket? We paid!S

SCAMS:

Trump EPA: ‘global warming is good for you’—OK oil man cuts regs on $oil gas coal

Trump VA: Cabinet on junket at our expense and conflicts of interest abound.

How many hunters need an AR-15 and 30 round mags to kill their prey?

Jobs:

Trump’s 2019 budget kills several agencies, grant programs, institutes. Many job loses. Cuts to opportunities in rural communities, locally-developed economic plans, before- and after-school programs, college preparation for low-income students and 25 more.

No cuts to subsidy for oil, gas, coal, agribusiness, drug firms, or arms manufacturers.

Another wife beater opening in Trump WH—“only the best” fact deniers need apply.

New nuclear cruise missile workers go to Orlando for 1800 jobs. War is planned.

Who owns your account now?

Something wrong with this picture of America: not ‘Make American Great Again’

Miracle:

Unless Americans use absentee ballots, Putin will change votes in elections again.

It would be a miracle if Congress could stop children killing other children. 17 more die so that some wealthy white men have freedom to kill with 30 rounds a minute. Madness!

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

GOP to cut Medicare in 2018 to pay for tax cuts

Ryan says GOP to cut welfare, Medicare, Medicaid in 2018

Are you one of the winners or one of the losers from the GOP tax cuts?

$4.8 Billion in cuts to rich and corporations. Top 1% (1 million households) own 40% of wealth and climbing while bottom 90% are falling. Will the wealthy hide their cuts overseas? Will corporations, out of the goodness of their hearts, raise our wages? Congress to cut Social Security and Medicare benefits next year (Ryan) in order to pay for the cuts. If the economy is already at high employment because of high growth, can the GOP cuts stimulate more growth or just inflation? Most companies said they will pay down their debt, buy back stock, buy other firms before they use cuts for growth. Capital spending was LAST on their list. Are you going to spend your tax cut or just pay off your credit card? Or will you help out your seniors who have their SS benefits cut? One CEO says we are being tricked by GOP and he is a Republican business owner.

Be a winner with tax-FREE investing: https://www.amazon.com/Money-Ball-Investing-Winning-unfair/dp/1548831409

What do you do if your advisor goes after wealthier clients?

We have all had the experience of being taken for granted by our doctor, mechanic, advisor, agent, shopkeeper, etc. When they lose interest it may be that they are giving you the message they want you to move on. Like Morgan Stanley, they put you on their high-fee Robo-Advisor track. You can just absorb the lack of interest or you can seek someone else. Your advisor’s firm needs to increase profits and usually the incentive plan is changed for most advisors. Yes, your advisor is first and foremost a salesperson. They must improve or be fired. Morgan advisors can’t wait for you to become a multimillionaire. They must go sign them up now. Most firms want AUM increases—Assets Under Management. 25 clients with $1/2 mill is better than 50 with $1/4 millions. If you are under $1/2 mill, you should look for another firm or use a firm that allows you to pay by the session for advice—no charges (1% of your balance or commissions).

Why settle; use the Best Robo: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Is Flynn a traitor or just a stooge for Putin

Treason is impairing the well-being of a state to which one owes allegiance; 

the crime of giving aid or comfort to the enemies of one's government. 

We have a US General who was paid by foreign power to interfere with lawful US policy. He conspired with others (Trump’s family) to reverse a lawful US sanctions against Russia as an illegal foreign agent. He acted against lawful US policy vote in the UN.  He worked with other foreign agents (Manafort, Page) to help Russia disrupt and derail our internal elections with a huge cyber war enlisting duped Americans to help. He led his party in misleading American voters regarding the other candidate’s actions. He committed the crime he accuses Hillary Clinton of. Flynn has pled guilty to a minor charge because he will be a witness against other co-conspirators to harm the United States. Trump says he is the “only one that matters” making decisions. So he told Flynn to made deal about lifting Russian sanctions. Flynn could not have done it himself.

Treason is not excusable by being stupid. Unwitting dupes are still guilty.

US was the leader of the free world. Beacon on the hill. America now: banana republic

Wealthy tax cuts going to buy ART assets not growth

GOP tax cuts are being sold as middle class boon, wage hikes, growth in jobs but the wealthy and corporations are already putting their money into assets that don’t create jobs, raise wages or help middle income folks. They hold the assets so there is no income to pay tax on. They can get income by borrowing on the value of the art. There is no income tax on a loan. Corporations can actually deduct the cost by calling it interior decoration. Rich people make their own tax-deductible museum. When they need cash they can sell the art that has not appreciated much so there are few gains to tax. Or if they need a big deduction to offset a big gain, they can donate the art and still enjoy it with their name on the plaque at the museum. Art is perfect for the permanent tax cuts.

You and I will pay for those tax cuts because our cuts are reversed in 2019. The JCT’s deeper study shows our taxes go back up by 2027. No growth means deficit soars=Taxes.

Time to use your IRS tax-Free trust: https://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

Is your advisor smarter than the market?

With billions of people and Robos trading, are they smart enough or have insider information to beat all others? The market index up almost 19% this year: 19%!. How did your advisor do? Over time, your advisor has changed securities and stories of winners so you have no idea how you did. Over time, the index averaged 11.06% vs 3.79% to equity investors. Ask your advisor to calculate your nominal return for the past 5 years. Check.

Earn 11% not 3.79%: https://www.amazon.com/Millennials-Investment-Strategy-BEST-journey/dp/1533079242

New tax law allows wealthy to avoid all taxes and create a dynasty

You can now use tax breaks on your golf course just like Trump does to avoid property taxes and capital gains. Alt Minimum Tax is gone so you only have to avoid working for a W-2 wages to avoid income taxes. Converting income into business income and buying assets that grow without gains like ART and offshore assets can help you avoid any tax and later any estate tax. Like Trump, you will be able to pass all your assets to the kids without the need for trusts and other estate tax avoidance entities.

Turn your backyard into a ‘tax racket’ to keep deducting your property tax in NY NJ and CA. Set up a business in your home so you can expense stuff, medical expenses, taxes, utilities. Write off all you use in business as expense. Vacations are now biz development!

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

America needs a single payer plan like Medicare for All

But until Dems are elected we have ObamaCare. The one and only deadline to apply for 2018 coverage is next week, and you have not yet submitted your application. Go to HealthCare.gov and apply for coverage starting January 1. GOP has no alternative to ObamaCare if you need coverage. Congress uses ObamaCare coverage for their family but they want us to buy junk insurance for our families so they can use the subsidies to subsidize the tax cuts for the wealthy. All Marketplace plans offer essential benefits, such as emergency room visits and prescription drug coverage, as well as preventive care including important shots and screenings.

Don’t short change your family: Marketplace close Dec 15. https://www.healthcare.gov/

Most corporations will NOT be expanding, raising wages, or creating jobs

“Ten percent extra profit would be good,” said Steven Regis, a senior vice president for corporate services at the company. “But it’s not going to fund big projects.” “Do you pay dividends? Do you buy new equipment? Do you buy out competitors? Do you add employees? Do you pay employees better?” “I think it’s bad news for the country to have one side make the rules,” Regis said. “The tax bills have fleeting components, like the idea of allowing companies to take the entire cost of equipment off their taxable income the year they start using it. Quicker expensing for tax purposes would not prompt CalPortland to make an upfront purchase of Mr. Montgomery’s loader. The tax bills tie the amount of interest that companies can deduct to a measure of their earnings.” “On the list of 200 things we worry about, [tax] would be No. 300 right now,” said Michael Kuntz, an executive vice president at Turner, a builder. “It doesn’t seem that the 35% corporate rate has held anyone back from building,” he said.

Wage earners are skeptical: “Is this going to help the middle class?” “I don’t even get upset anymore, because they’re not going to listen,” said Johnson. “They don’t care. There’s nothing else to say. They just don’t care.” Trump ‘populism’ is dead.

Avoid 2017 tax increase to pay for this wealthy bonus: https://www.amazon.com/Tax-Shelter-Americans/dp/1500426520

In all history of American tax cuts, this one helps middleclass the least

A study shows the data does not confirm Trump’s claim that this is the largest cut in history for most people. It is largest cut for real estate developers—removing the cap on their interest deductions. It is certainly NOT the best for the middle class as the charts show. 6.7% of families will receive 26.8% of the money. By 2027, 60% of cuts will go to the 0.6% households earning over $1 million. Because these households already have all the luxuries they can use, the tax cuts will go to non-productive assets, mostly tax shelters overseas to keep taxes low into the future. The tax revenue from firms will fall to pre-WWI levels and the deficits will climb as fewer US workers pay the SS and Medicare tax. All the cuts for the middle class go away by 2027 so GOP will need to cut Social Security and Medicare to pay for the deficit. Trump asking states to raise taxes to pay for infrastructure after canceling SALT deductions. Take from the poor to give to the rich.

Socialism for the Rich: https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

Supremes to decide if GOP religionists can discriminate

If you don’t like someone—religion, color, sex, hair length, language etc.—do you have a religious ‘right’ to refuse service as a state-licensed public biz? You run a business that is open to the public selling something that is not illegal, can you just say NO to this group of people? When asked, you say religious belief. (You can’t reference Jesus Christ’s Christianity, since even he blessed a whore. Also, he asked those that wished to stone someone if they had no sin. He preached ‘love every being’, even those that hated Jews.) This is the big one for GOP religionists who have sold their souls in idolatry and affirm an assaulter of women and pedophile. They denied a hearing to Obama’s lawful Supreme candidate so they could put their political choice in the Court. Court is political now.

GOP religionists expect Supremes to allow anyone to treat some people differently.   

 

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

TrumpWorld

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

Trump cancels housing for homeless veterans after taking credit—‘new low’

Trump is still just a mafia contractor from Queens—Dad taught him to be The Don.

Trump cancelled health policy for addicted brother’s family after they fought dad’s will

Smoking gun: “Our boy can become president of the USA and we can engineer it,” Sater wrote in an email to lawyer Cohen. “I will get all of Putins team to buy in on this.” Manafort tells Russian mob he will keep them informed about “our boy.”

Ross, Commerce, direct link to Putin energy consortium and Russia-Cyprus bank

Putin sent 60 money wires to US marked “to finance election campaign of 2016.”

Russia manipulated our votes: Pizzagate: from Ms Campbell to Mr Welch’s AR-15.

Putin has full access to our 2018 elections since Trump doesn’t help states upgrade now.

LOCK ‘EM UP--Mueller draining the swamp!

Papadopoulos rolls: Trump-Putin liaison pleads guilty.

Manafort rolls: Trump’s money launderer manager indicted: conspiracy against US.

Flynn rolls: Trump’s national security advisor and foreign agent pleads guilty to lying. “my actions were wrong” "if I did a tenth of what she [Clinton] did, I'd be in jail today.” I am not a traitor. Right, but he also said he never talked to Russia and had no connection to Russia and was not paid by Turkey to change policy.

Manafort, Flynn, Kushner, Conway, Ross, Trump Jr,

McFarland (“If there is a tit-for-tat escalation, Trump will have difficulty improving relations with Russia which has just thrown U.S.A. election to him.”)

Congress gives Kushner a pass on documents re: Russia contacts—GOP helps hide.

Trump’s lawyer said his defense for obstruction is he can’t obstruct justice: above law?

‘Ministry of Truth’ 1984 novel: Government propaganda is ‘truth’ when they say it!

Roy Moore pedophile claims he doesn’t know accusers—hiding behind GOP religionists

Now we know who is behind the attack on pedophile Roy—everyone except the few 'elect' religionists

Fox thinks Obama should be arrested not Trump co-conspirators.

Trump immigrant ban OK by court but 3 daughters of immigrants find clue cancer cure! Why deport?

Gen Michael Hayden@GenMhayden

If this is who we are or who we are becoming, I have wasted 40 years of my life. Until now it was not possible for me to conceive of an American President capable of such an outrageous assault on truth, a free press or the first amendment. 11:32 PM - Nov 25, 2017

  

My Theory on Trump/Putin ‘love’:

Trump got Russian help/funding for business from business/mob ties to Putin. US banks not interested in more bankruptcies. No one expected him to win so no harm getting Putin help. Don owes Vlad’s mob money so they sent mob gofer Manafort to run the campaign. ‘Colluding’ Putin style. Trump always has a fall guy to blame when caught in lie. Sessions claims campaign execs all too inept and overwhelmed to collude on purpose.

Russia social media helped flood American media with pro Trump propaganda

TrumpWorld – using presidency to make money the old fashioned way: theft

Mueller goes to German Deutsche Bank for Trump bank records; Trump owes $300 mil plus

Trump largest donor complain about more taxes in new bill—wealthy NY not happy.

Dictator talk time:

“When the president does it, that means it is not illegal,” Richard Nixon

Trump lawyer says he can't 'obstruct justice.' So Trump like Putin is a dictator. Trump is no longer claiming Russia just fake news—collusion/conspiracy real—but he can do it cause he is prez, they say.

Trump conspiring secret policy to avoid adults in WH create chaos and undermine goals

How do you prove you are citizen? ICE acts like Gestapo: no record if you’re taken. No calls to family.

Trump considers secret mercenaries he will direct to undermine CIA, NSA: like Hitler’s SA?

Delusions of Grandeur:  ‘I’m the only one that matters’ The Don, Nov 3, 2017

Persecution complex: 'No politician in history has been treated more unfairly' The Don

“The president can’t have a conflict of interest.” The Don is above the law?

Fires FBI head because he was investigating The Don’s Russia mob ties then blames FBI.

Trump asserts ‘supreme’ authority in ending consumer protection agency regs.

Trump drains State Dept; CIA to State; AL Cotton to CIA

Trump ASSUMES he is Person of the Year: Time says Actually women who protest.

AL voters ignore child molester history and vote in the name of [Fuehrer] Trump 

Fear is ruler’s weapon Tampa church ‘welcomes’ worshipers “we are heavily armed”

Ideology can justify any policy: At RedState, there has always been one hard and fast rule: Oppose abortion at all costs. Christian Right is not Christianity but ideology.

Today child molester; tomorrow rapists? How GOP religionists justify crimes of the Fuehrer and followers. He can pardon every crime.

1998 the House of Representatives approves two articles of impeachment against President Bill Clinton, charging him with lying under oath to a federal grand jury and obstructing justice.

2017 Nov. House of Representatives introduced articles of impeachment against President Don Trump, charging him with firing FBI Comey, violations of the Emoluments Clause, actions "undermining" the judiciary and freedom of the press.

2018 the House of Representatives approves two articles of impeachment against President Don Trump, charging him with lying under oath and obstructing justice.

TX Rep Al Green’s Articles of Impeachment failed Dec2017. WWIII next?

Quid pro quo: "something for something."

Trump gives our national treasures to big oil/gas to plunder

Trump is amoral—backs pedophile despite everyone in AL knew Moore but he was AG

Republicans now paying for child abuser to get into Senate—open arms; no expulsion.

Jerusalem: Trump pays casino magnet Adelson and religionists back for election money

Lincoln solution to TrumpWorld: http://www.latimes.com/opinion/op-ed/la-oe-blumenthal-lincoln-trump-20170713-story.html

We have given The Don time to act like president: Time to Impeach for obstructing FBI

https://action.needtoimpeach.com/act-og3-t2?sc=ad_gg_lba_us_impeach-.-.-.-60s-20171020

Regulation is necessary: We need protection. Saves $12 billion of our money!

            (No one person can afford to sue a bank: class actions banned by GOP now.)

Zachary Berkey Daniel Fischer caught at unsuitable trading so fined and disbarred

White cop gets 20 years for shooting Walter Scott in back while fleeing after traffic stop.

GOP passed NRA measure: carry concealed weapons across state lines. Mass Murder OK

Sixteen top retired military commanders urged Congress to pass gun-control --but ignored.

A San Diego gun buyback proved so popular, police ran out of money. $150 in Wal-Mart gift cards for every handgun and an assault weapon netted $250. $25,000 spent in 4 hours.

2017: Thousands died so a few wealthy rich can kill defenseless animals. Insanity?

Another special person dead—“guns don’t kill people” for fun. Is your wife next?

Tillerson Exxon calls Trump a ‘f__king moron” ‘MORON’ and LIAR:

McMaster, National security adviser: Trump has intelligence of a “kindergartner”

How Govt wastes our money:

We are paid $84,000 so Congressman is not embarrassed by scandal—DC slimebag.

GOP gift to the rich and their private schools changes America

government shutdown would cost the U.S. $6.5 billion a week: lock Reps in room overnight!

SCAMS:

HP loads spyware on its computers FREE

High drug prices because system has too many mouths to feed with corporate jets, bonus

Jobs:

Ford moves electric plant to Mexico and stock soars

GE cuts 12,000 well paying jobs in power div.

Who owns your account now?

Aetna to CVS

Miracle:

Women volunteers broke Purple code that helped US destroy Japan’s 4 carriers Midway

Could we make a virtual reality experience of a historical event like 1^st performance of Handel’s Messiah or Bach St Matthew Passion or Holodeck  possibilities.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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