When to start your guaranteed stream of income

 When to start your guaranteed stream of income

Most of us are lucky: we can start our guaranteed income stream whenever we want. We only need to decide how much we want or how much we need to live comfortably. And the bonus at no extra cost is that the benefit grows with inflation. My wife and I began receiving our guaranteed income stream at different times in our life so it is easy to compare how your decision can make a huge difference. I started my stream of income at age 62 because I could find no work. I have been getting my monthly check of $1,691 with inflation step-up for a number of years. It goes right into our checking so we can spend it right away. No wait to clear a paper check. My wife liked working so she waited to start her stream of income till she could improve her benefit no more. At age 70 she began and now she receives $3,495 a month. This is over double my benefit and my last salary was greater than hers. We pay nothing extra for the inflation increment each year and the administrative costs. Medicare costs come out of the benefits automatically so we don’t have to worry underpaying our health insurance plan. These benefits come because we paid for them every paycheck. No supplemental insurance (annuity) could have matched these benefits for life. Plus we get to keep our retirement funds growing—earning more for later. “The question isn't at what age I want to retire, it's at what income.”

https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573

 

Have you taught your child how to make tax-FREE money?

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with about $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. I have used this 'Wealth Reserve' as I call it to have funds to buy low-cost insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a month in retirement supplement. Now your child can build an account that provides tax-FREE education and retirement income too.

Time is on their side: https://www.amazon.com/Give-your-child-leg-up-manage/dp/1096505355

 

If you are worried about your money in a bank, move it

Most large banks can handle your money unless you keep $millions in 0% savings loosing money. Even holding Treasuries isn’t safe. Many of my readers aren’t worried because they are riding out the craziness of the gains and losses of the gamblers’ market moves. When gamblers loose at the tables, they are supposed to go home poorer. The well-connected never have to suffer it seems. Congress is happy to lower the bank regulations for their schemes. Regulators are happy to please the rich and famous, especially if they sit on the same boards. My readers are investing for the long term so they only have to keep their money spread around in profitable businesses as Buffett advises. Over time they have been rewarded with gains and dividends that will help their nest eggs grow. They don’t have to speculate on stocks or ETF during these crisis times. They are happy with most 10-year growth periods. Using low-cost mutual funds that compound over time they have found steady growth—doubling their funds every 7 years. They own shares in real profitable firms making things of value not ticks in a computer. It is TIME, not timing that builds wealth.

https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

 

S&P 500 up 5% YTD vs 5% 1 year CD

Investing is about taking a chance—short or long-term. With your CD, you will always receive your 5% in a year. You will usually pay a penalty to withdrawal early. Your money is guaranteed up to $250,000 unless the government steps in to make you whole no matter how much you lost. This doesn’t happen often. Investing in the top 500 US corporations gives you no such guarantee but you have the chance to earn 32% or lose 18% in one year. However, over time investors have found the 11% average return annually. Average is important. There are bad years. But your funds double every 7 years if you wait. My readers have found that after some time—10 to 15 years—they have a balance that allows them to take out enough money for emergencies. They don’t need an emergency fund as a 1 year CD. They don’t pay a withdrawal penalty if they need the money. With certain tax-FREE retirement accounts they can have their cake and eat it too. They can withdrawal without penalty or tax due. More likely they just keep building a bigger retirement account because the low cost accounts maximize the Miracle of Compounding. That is the Buffett secret to wealth.

https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

 

In 2024, Roth 401(k)s will no longer impose RMDs

The Roth 401k will get even better in 2024. Your money—deposits and earnings—are already tax-FREE after retirement (contributions are never taxed). Starting in 2024 you are not subject to RMDs which make you take your retirement benefit out every year. This means you get to create a legacy for your family without a trust—FREE. You can use your money whenever you wish. The required minimum distributions are required for 401k and IRA accounts because you get the tax benefit at the time of contributions. This lowers your income and tax if you pay in every payday. If you also make contributions to a Roth account, you have the option of never paying income tax on the gains. Thus you could turn your Roth IRA or 401k into a tax-FREE retirement system worth $millions

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

 

 

GOP vision of America’s future “freedoms”: what they are doing/will do

Children’s education reduced to DeSantos Conservative ideology

WV bans health care for transgender minors

FL wants to ban the Democratic Party as revenge for toppling Confederate monuments

FL blocks League of Women Voters legal activities (rally, meetings)

 

FL DeSantis will have a veto-proof majority in both chambers: junta installed

Kids Carry concealed weapons without a permit back to 18

Cancel programs on diversity, equity and inclusion, and critical race theory.

TX takes over Houston Independent School District: GOP not parents will run schools

 

SC Republicans want death penalty for mothers after abortion: christians? kill women!

 

Death sentence without a unanimous jury.

Easier to sue journalists you don’t like

Further restrict abortions. TX man sues 3 women for helping his ex-wife obtain abortion

WY medication abortion providers could serve six months in prison

Near-total ban on abortions drives doctors away: ID hospital stops delivering babies

 

Trump: military to ‘stop’ crime: martial law replaces civilian control of cities: dictator

Couples with 10 kids would have their property taxes cancelled under TX law

Catholic group spent millions to track gay priests: Russia or America?

30 GOP states limit public health authority: next pandemic wipes out million+?

 

AR Gov bans child sex talk and child labor law limits: roll back child labor protections

Child abuse? kids under 16 can marry in West Virginia with parent consent

GOP repeals long-standing environmental rules: business to take ‘Freedom’ hand

FL Gov raises private army: 150,000 “brownshirts”, answer only to DeSantos

GOP Clarence questions our right to counsel in criminal actions against us

 

Pence: “History holds Trump accountable” but ‘I won’t help jail him NOW’: 3^rd Rail?

 

Wealthy avoid tax we have to pay

How do all these wealthy people avoid the taxes we need to fund our military, legal system and the airports? They use them but don’t pay. They fly their private jets from the airports we pay for, the legal system they use more than us and all the military supports around the world as they visit their global homes and businesses. Our country taxes personal income not loans on $millions in assets. This means we pay for what they use and they don’t. We can’t afford to buy legal help to use special financial tricks to reduce taxes. We can’t afford owning sports teams or real estate or “hobbies” that show paper loses to deduct from our income. We can’t afford to buy the help of Congress people who change the rules on business income like Trump did in 2017. One critic said, "Wealth managers are bragging" about the effectiveness of their "tax dodging tricks." Even when they die, they can leave $ millions to their legacy using special rules to avoid the estate tax. This is how dynasties happen and the cycle of tax avoidance continues. Wealth perpetuates itself almost automatically.

Use your tax haven: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

 

 

 

 

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

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

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

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

Nov 2020 Wealthy discredit election process

 

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

 

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

 

Jan 6 2021 Direct assault failed: guns & bombs ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

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

 

Trump was “detached from reality”

 

Trump used mafia-style intimidation on the defenseless

 

Trump still terrorizing election woman

 

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

 

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

 

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

 

January 6, 2021 “A date which will live in infamy”

 

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

 

Fascism: GOP to stop women leaving state for abortion

 

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

 

Trump: President Biden is 'enemy of the state'

 

Christian Nationalist Party (CNP) replaces GOP

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Dec 3 2022 Trump: cancel Constitution rules so ‘I win’

 

Mar 11 2023 Pence straddles his place in history

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Money for new Moon Rover but not for hungry US kids: priorities?

Own your own bank: capitalism without risk: CEO changed law & keeps pay packet

Farm lobby seeks more subsidies: GOP to cut Food Stamps for poor: corn for gasoline?

Fed raises rates to increase joblessness 4.5%: my credit card already at mob rate: 29.99%

 

NY prosecutor cancels meeting: Trump gets away with crimes again?

 

SCAMS/SPINS:

Trump is inciting another overthrow of our gov: “TAKE OUR NATION BACK!”

Fake images of Trump arrest show how propaganda may tear US apart

 

Fox silences own producers from telling about falsehoods it broadcast about election win

Tesla recalls 362,000 of its Full Self-Driving (FSD) Beta software: causes crashes

238,000 Honda Civics probe: steering can stick, increase in effort, risk of a crash.

Hyundai and Kia 571,000 SUVs and minivans park outdoors: tow hitch harnesses fires

 

Ford recalls 1.5 million: fix leaky brake hoses and windshield wiper arms that can break.

Media influencers (not doctors) paid to hawk drugs on TikTok

Matt Damon, Tom Brady, Reese Witherspoon caught promo crypto: fees hidden: no jail

Toxic ‘food’ brominated vegetable oil, red dye 3, potassium bromate, propylparaben and titanium dioxide?

 

Grover Norquist conservatives stop free tax filing service we need: gives $500+ to Turbo

IRS finds worst scammers this year

Tax refund myths: IRS warning

Trial over fake Trump real estate tax deductions halted by bomb threat: mystery caller

 

Darryl Matthew Cohen caught steered money to self, fund his son’s basketball league.

Nick Palky caught stole $250,000 client’s account using forged checks to steal

Joe Harding GOP FL caught fraud $150,000 in Covid Relief scheme: no jail

Portfolio Recovery Associates caught illegal debt collection practices: fine no jail

 

CO allows gun-toting teen to show up at school every day: what think would happen?

How US succession happens in specific areas: schools, taxes, laws, red-line, clubs, sports

 

baseless-claim-that-jan-6-rioter-flipped-against-the-fbi-circulates-on-twitter

false-reports-claim-bill-gates-faces-premeditated-murder-charges-over-vaccines

Countertop composter Lomi does NOT make “nutrient-rich fertilizer.” 

 

Arrest warrant for Putin: stealing kids from Ukraine homes: Seal Team 3?

 

Jobs

Construction industry faces a gap of roughly half a million workers; skilled trades too. Application rate jobs like plumber, electrician dropped by 49% between 2020 and 2022.

More than 550 slots for emergency medicine residents were left unfilled this year

 

White Americans feel left out; even they think they don’t belong. This is not good.

25 High-Paying In-Demand Jobs: salary & requirements

Tennessee plant aims to build 500,000 electric trucks

 

 

Who owns your account now?

DJ Equity REIT Index beats Total return S&P 500: stocks up in last decade

Medicare special plans to help with expenses and coverage: do you qualify?

Millions of people could lose Medicaid next month: check now

 

5% one year CD for temporary money: shop bankrate.com/banking/cds/cd-rates/

 

what-if-i-cant-pay-my-taxes: here are your options: it costs less to deal with the IRS itself

 

 

Miracles:

'Vibrant' Roman mosaic discovered under supermarket in Olney

Some ingredients crucial for the advent of life arrived aboard rocks from space years ago

Some young Americans are turning to friends to find romantic partners: not vid strangers

 

 

 

 

@

 

Our Universe is Mind-Blowing

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

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

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

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

 

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

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

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

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

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

 

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

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

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

Gold made from neutron stars: collisions produce more neutrons:79 protons,118 neutrons

The proton is so complicated science still finds new energy entities/forces every year.

 

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

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

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

starts-with-a-bang/universe-expansion-not-accelerating/

 

 

 

@

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

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

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

 

IAN

973.746.2014

http://www.theinsidersguides.com/

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

Avoid the taxes the Tax-Credit Class don't pay

Use your Tax Credits to avoid income taxes like Trump

Most of us receive only 4% of federal tax breaks like food stamps and Earned Income Credit if you are poor or the property tax and mortgage credit if you are middle class.

The Tax-Credit class pays less income tax with capital gains and dividends because it is “unearned.” So if you actually work; you are taxed MORE. For instance, Warren Buffett pays 17% on earnings while we pay 33% total tax. The tax-credit class pays NOTHING on assets they got from a “rich uncle” and on their home when they sell. Most of us don’t “itemize” so we lose all kinds of tax credits. We pay 33% of income for many taxes. We are nickel and dimed for 97 kinds of taxes. The Tax-Credit class deducts medical expenses, job hunting and work expenses not reimbursed by others, deferred compensation (bonus and stock portfolio worth more later), investment loans and costs, investment losses, stuff they lose, stuff they own. They can eliminate income tax by listing losses from buildings, race horses, farms, oil, leasing and businesses they own as partners, LLCs, C and S corps. Trump actually deducted $916 million but most of it was other people’s money. Some bank debt was cancelled which normally is taxable but not after RE lobbyists got Congress to change rules in 1993. Trump is tax-FREE for 18 years.

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

2016 election has shown America’s Socialism for the Rich

If we have learned anything during this election, it is that if you are rich you can get away with anything: 1. Sexual assault on women. 2. Not paying taxes. 3. The Truth is whatever you say it is—just keep saying it. 4. Use tax laws to defraud investors and working people. 5. Wall Street has no political party—follow the money. There seems to be no limit for The Don’s contempt for society; for us. Remember at the beginning he said: “I can shoot somebody on 5^th Ave and wouldn’t lose voters.” Now I believe him. Whatever sickness he has, it seems that when you are powerful economically, you can do anything as a business person. There are no moral bounds. It’s the New York construction industry dressed up nice. If you fancy yourself as winner with women, you tell a 10 year old you will soon date her. You buy a “beauty” pageant so you can go into the locker room to watch contestants dress. If you fancy yourself as a great businessman, you can lose $1 billion on your deals and use bankruptcy to stiff workers and investors and brag about not paying your fair share. If you are a political person you never give up saying whatever gets you power and votes. As working Americans, we pay for this dishonesty and sexual exploitation one way or another. There is only one thing we can do.

Avoid paying their income taxes:

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

Wealthy use Shadow Banking to raise cash, buy assets and avoid tax

Christie’s and Sotherby’s are banks when the price is right. The wealthy can use art they own as collateral for more art or cash. The wealthy avoid the strict Bank Security Act for a 6% loan. “I never looked at a financial statement or a tax return to make a loan,” said one art dealer. Much of the money Sotheby’s uses to make loans come from the credit facility financed by a syndicate of large banks. The weighted average cost of the funds to Sotheby’s was 2.9 percent in 2014 and 2015, filings show. Can you get a bank loan for 2.9%? No, so we are subsidizing this activity with our FDIC banks. Buyers can use a tax shelter in the Bahamas to avoid sales tax. They can then sell or loan the art for cash if needed. This is helpful to folks who may be wanted by their government for draining accounts or end up with stolen art and need “pocket” money.

You can create your own tax-sheltered ‘bank’: https://www.amazon.com/Tax-FREE-Wealth-How-laws-free/dp/1475089236

Feds think cost of living in America went up just 0.3%

Gas and rents advanced over 2% for most of us. Social Security beneficiaries will receive a paltry 0.3% cost-of-living adjustment in 2017, the government said. It means the average retired beneficiary’s check will rise about $5 to $1,360 per month in 2017. Hillary and The Don plan to keep current benefits and cut fraud. Hill says “My Social Security contribution will go up, as will Donald’s ― assuming he can’t figure out how to get out of it.” She’s considering raising the cap ($118,500) on earnings taxed for Social Security. If you earn more, you pay nothing. Unfortunately, the wealthy like Trump and Clinton do not pay FICA because the have little or no “earned” income to tax. Trump earned $6,108—Clinton earned $100. Their cash comes from asset dividends, gains, rents interest, royalties, business and “other” income. We pay their taxes—33% vs 17%.

Offset the real prices with tax-FREE income: https://www.amazon.com/Tax-FREE-Income-000-tax-free/dp/1477472584

Trump says election is rigged and here is how GOP does it

1. GOP has IN state police stop voter registration group in minority community

One week before IN deadline to register to vote, state police raided the Indianapolis office of the Indiana Voter Registration Project, seizing computers, cellphones and records. The state police launched an investigation after GOP elections officials in Hendricks County said some voter applications seemed amiss. An estimated 45,000 people, most of them African Americans, might not be able to vote on Nov. 8 if investigators put a hold on applications collected by the group during its investigation. Pence made reference to the police investigation during a campaign stop in Iowa on Tuesday. The Indiana State Police then announced that the investigation had expanded from nine to 56 of the state's 92 counties.

2. We can’t vote if our names are deleted from the registration lists. FL has deleted any name that resembles list of convicts or dead people. There was no verification so if your name was john smith and a convict was named john smith, you were removed. FL firm told to match last name and delete even if only 80% close to the spelling. FL has a history of suppression. GOP eliminates thousands of voters mostly Dems from rolls.

3. In 2016, 14 states will have new voting restrictions in place for the first time in a presidential election. The new laws range from strict photo ID requirements to early voting cutbacks to registration restrictions. Those 14 states are: Alabama, Arizona, Indiana, Kansas, Mississippi, Nebraska, New Hampshire, Ohio, Rhode Island, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. Circuit Court in Raleigh declares NC law restricting blacks is unconstitutional. GOP keeps trying to cut Dems out. 

4. OH GOP officials are going to destroy ballots with no ZIP code or writing not in BLOCK lettering and other simple errors. An appeal was denied by a judge who is married to the GOP House Speaker William G. Batchelder. The period in which voters are allowed to fix the form was cut from 10 to 7 days, and elections workers were even barred from helping voters with the forms.

5. Donald Trump said Friday that agents have been told to allow immigrants into the United States illegally "so they can vote in the election." But he offered no evidence to support his most recent claim that presidential voting may be tainted by fraud.

6. Donald Trump asked his PA supporters (mostly white) to go to minority polls and “watch” the voters in “certain areas” because “bad things happen” there and he does not want a large black turnout. Donald Trump urged his supporters to “watch” others at the voting booths, while also asserting that the election is “rigged.” GOP in VA urges voters to take their guns to polling places.  Wow!

Civil rights groups say they plan to deploy thousands of volunteers at voting booths in 27 states to ensure that voters will not be turned away by harassment, long lines or confusing rules. Teams of lawyers will file legal challenges if necessary.

Reality TV or ‘debate’ I can’t watch—like Jerry Springer show?

Which liar will win American’s vote?

Neither can re-create jobs of the good old days!  We don’t see either one as President.

Do-Nothing Congress will decide US future by doing nothing for more 4 years.

           

Trump Network: Don’s son-in-law, Kushner, in talks to start Trump Network Nov 9

Don:    NY Controller says I never gave to 9/11 charity as I boasted. They all ‘lie.’

            11^th liar says I touched her v***a at night club. She just wants ‘free publicity.’

            Why doesn’t the press look at the Wikki leaks of Clinton?

            “Election is fixed.” GOP Supremes decided prez when stopped vote count in 2000

            I think Hill needs drug test. “She was all pumped up at the beginning.”

            I won’t listen to our spies when they accuse Russia of stealing DNC emails.

            Junior: Becoming President Would Be ‘A Step Down’ For My Father

            3^rd debate highlight: “Such a nasty woman.” Clinton hit on not paying taxes!

            “I will totally accept election results if I win” Trump TV begins.

            “I have won” in the court of public attention—I’m already the greatest troll!

            “We have evidence the women are categorical liars but I can’t release it today.”

            McCarthy had “hidden evidence” too until one brave person called his bluff

           

            Nixon refused to show tax returns too and Congress finally got $500,000.

            Warren Buffett says he does NOT deduct biz losses against income, as I claimed.

            Putin ally says vote Trump or face nuclear war.

            Giuliani: Dems do voter fraud since they “control the inner cities.”

            Conway says she cannot believe Clinton is not winning by a bigger margin.

            GOP IN Vote Registrar: “my office is not sure why these records were changed”

“I can shoot somebody on 5^th Ave and wouldn’t lose voters.” Well, maybe U.S. women.

Mike:    “I don’t understand the basis of her [M. Obama] claim.” “He showed humility.”

            “I can’t release it today” “We have evidence the women are categorical liars.”

            “Don’t say that” to supporters who talk of overthrow of govt if Hill gets in.

            Putin Love: Half of Trump's supporters describe Russia as an ally or friend

           

Hill:    What does Bill’s women got to do with the election?

            My staff emails are clear: I want to win

            AZ Republic endorsed me and now getting death threats  patriotism over party

            Michelle Obama’s speech worth watching. May be the best of election.

Tim:    What can I say they have not already said? It is shocking. Refuse to accept vote?

Trump “reminds me a lot of early Mussolini” Conservative legal scholar John Yoo said.

Dictators who vowed and did put their political opponents in jail or worse

“The Only Thing Necessary for the Triumph of Evil is that Good Men Do Nothing”

Every successful civilization has died from the inside not from attack.

This election looks like 1964 LBJ over Goldwater

DeNiro on Trump’s America

How the party of Lincoln became the party of Trump—conservative means go backward especially among “Christians” who now accept immoral acts in their public servants.

            Therefore by their fruits you shall know them. Matthew 7:20

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

            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill                requires impossible: every person in class action suffer “same type and scope of injury”)

               Supremes stop us from suing—State courts no longer available to sue corporations!

Former SEC Harvey Pitt said he’s sure Wells Fargo scam in brokerages and banks. Jail?

Cellphone kills 5 year old after VA reps avoid passing ban TWICE. Ignore research.

Fiat recalling 224,000 Jeep Wrangler SUVs the air bags may not inflate.

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

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 gun hidden. You and real criminals both have guns. Body cams make it harder to plant evidence and stage scene for TV crews. Police organization issued a formal apology for the historic mistreatment of minorities.

Hector Morejon killed on suspicion of trespassing in Long Beach. No Taser this time.

SCAMS: GOP cut taxes in KS to increase jobs and growth but now big mistake

$2 bottled water from your tap or polluted underground ‘spring’?

Ignoramus Award: Christie eliminates estate tax for wealthy by raising gas tax 23cents.

How our government wastes our money

Over $2.429 trillion for fed subsidies for energy, agribiz, etc etc. Solve SS, Medicare gap

Tax breaks for corporations total over $1 TRILLION, enough fix roads, SS and Medicare

$4 billion new Zumwalt warships are breaking down at alarming rates. Leaks. Gears. etc

Where have all the jobs gone?

Hewlett-Packard to cut over 3000 jobs

Boeing new plant in St Louis offers 700 jobs

Toyota hires 1,000 at new office under construction 2,000 temp in a Dallas suburb

GM takes jobs to Mexico quietly Ford gets heat but Labor costs are about a fifth of US

Ford shuts 4 plants—truck sales sour

WalMart tries treating employees better to boost sales—worked for Henry Ford

Drones replace claim adjusters in Matthews storm damage—speed checks homeowners.

Worldwide revenues for security-related hardware, software, and services will grow 8%.

Oak Ridge National Lab test turns carbon dioxide, a greenhouse gas, into ethanol. Wow!             Reverse engine combustion-co2+water+electric charge = ethylene ethanol.            

Who owns your account now?

LPL brokerage to _____________?

MetLife retiring Peanuts from its marketing. 

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

America's future?

America’s future?

GOP experiment fails: Cut taxes—no services, no jobs, no freedom

GOP KS Gov Brownback’s “experiment” tax cuts create debt downgrades, weak growth, and school finances under court direction. The Kansas City Star’s reported KS lost another 1,900 jobs in February and now has 5,400 fewer jobs than it did one year ago: “Growth” rate of -0.4% is first time in five years and worst in the nation. Koch owns KS politics but is expanding SC jobs, not KS. OH and WI cut school funding for rich tax cuts too.

KS has now legalized discrimination by religion on campus. No more open university for learning and experimenting with beliefs. YOU are now excluded from groups legally!

John Birch and KKK alive and well in KS!  GA is next to OK discrimination.

Are stock tip sheets right for you?

“Market conditions now match those when stocks were at their November peak. Sell your stocks now or you'll wish you had…” Ken Goldberg, TheStreet.com says his chart says to sell and buy the stocks he says will save you from impoverishment. Do these services that cost $200 and up help you … or just the promoters. If you buy these stocks with “serious upside potential” you will need to sell the ones they recommended last week. Oh?!. Can you beat the market by buying and selling? Can Jim Cramer really make you rich? Can your advisor beat a low-cost index every year?

As your rational mind knows, none of these claims are true because no person or machine has been able to predict the future.

One guy has been successful making his fellow owners millionaires and billionaires: http://www.amazon.com/Warren-Buffett-can-make-millionaire/dp/1530555981

How do advisors estimate your retirement fund growth?

Advisors use a number of methods to estimate how much you may have upon retirement and how long your funds will last. They should mention that none of their computer models nor years of experience nor education can accurately predict their answers. Depending on how much is in your account and the investment risk you are willing to take, they can forecast the future value of your fund using this calculator: http://www.moneychimp.com/calculator/compound_interest_calculator.htm. For instance, if you have $250,000 and you are investing $3,000 a year for the next 20 years at 8% net earnings (after fees, taxes, etc), you might have $1.4 million. But that does not count inflation. At 3%, the account might have HALF that in purchasing power by then. Another way to estimate your retirement income is using a model called the Monte Carlo method. Using 5,000 different market conditions, you see how much you could spend after inflation. Note an equal ratio of stocks/bonds makes success more likely. https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf

Try the simple steps yourself: http://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

Is your bank helping the wealthy break the law?

JP Morgan Chase helped Madoff create the largest ponzi in history according to one of Madoff’s victims. Morgan paid a fine but no banker went to jail. Obama did not pursue them. How many other wealthy people are Wall Street banks assisting in breaking the law? Would the gov tell us even if they bothered to look? Don’t the gov ministers come from the same firms they should be regulating?  

Use your own tax-FREE wealth account: http://www.amazon.com/Your-Wealth-Account-Tax-FREE-Income/dp/1493761277

Is your advisor helping you reach YOUR goals or theirs?

What is your advisor’s annual total return? Take the amount invested 10 years ago and the amount now and compare (without new contributions). Are you better off now by 140%? By 57%? If not your advisor may be doing better than you are and it’s time to let Warren make you a millionaire. His holding company BRK.B is up 140% since 2006. The market is up 57%. Where is your account? Perhaps it’s time to switch!

Let Warren make you a millionaire: http://www.amazon.com/Warren-Buffett-can-make-millionaire/dp/1530555981

Did you receive your refunds yet?

The average fed and state is about $3,000. How long would it take your INVESTED refunds to reach $1,000,000? 50 years, 40, 30 or 20 years? It costs just $12.95 to start $1 million fund yourself. Salespeople can take 63% of your accumulations over time.  

Create a tax-FREE retirement painlessly: http://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

GOP bag man wants to “neuter” top Dem (GOP always talking genitals?)

Top consumer protector Liz Warren was attacked by the GOP rep from MO. According to Warren, Rep Luetkemeyer is a “Wall Street yes-man” who has accepted “nearly a million dollars from the big banks, hedge funds and credit card companies. Luetkemer has also sponsored bills in the past that would curb Department of Justice crackdowns on predatory lenders and another that would reduce oversight of payday lenders. Last year, the Center for Responsive Politics found that Luetkemeyer ranks among the top 10 recipients of campaign contributions from payday and short-term lenders, who pray on consumers with loan rates that make the mafia blush—400%.

Does our President need to be smart and truthful? Do they even care about truth?

            (a summary of the GOP Presidential debates) (history: GOP has the final candidate by Feb 17)

Trump that: German hometown upset with his "raw, unvarnished intolerance."

            In the desert, hyenas and wolves are teaming up in order to hunt for food. 

            Il Duce “I’m going to get judges that everybody likes “I guarantee it personally.”

            VP maybe Jesse Ventura, Palin has TV, Cruz, Ryan, Fiorina ???

            “Muslims Need To Show More Respect”—George Wallace “Blacks need…”

           

Kasich: “life will improve once teachers, nurses, police and firefighters cut union pay”

Ryan: “I will accept nomination in contested convention to save GOP from hell.

Cruz: Police must “patrol and secure” Muslim neighborhoods?—create Warsaw ghetto?

            (Brussels ‘terrorists’ were just armed robbers/carjackers not Muslim jihadists.)

Palin: Star in new Judge Judy-style courtroom reality show in 2017—Not VeeP?

Hill: Sorry, my husband didn’t mean that my last 8 years in office were “awful.” Oh Bill

Bernie: “If Qatar spends $200 billion on soccer stadium, it could spend as much fighting             terrorists. We can’t do Kuwait/Saudi Arabia’s dirty work anymore."

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

            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)

               Supremes stop us from suing—State courts no longer available to sue corporations!

.GOP now (after horse left) wants regulations, after children poisoned; asks Feds to pay!

.William J. Wells, Promitor Capital stole $1.5 million promising brilliant trades

.Regulators lack broker examiners since Congress cut funding—investors at risk of fraud.

.Robert Lunn, Lunn Partners caught on bank fraud and Scottie Pippen fraud

.Guns, not people, kill people: Mom, shot by 4 year old, gets 180 days in jail.

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

My estate plan cost nothing to establish and fund—heirs pay no taxes

If you leave your IRA, annuity or 401k to your heirs when you pass, they may receive a huge tax bill from the IRS and state treasurer. All deferred savings plans are deferred meaning you or your heirs must pay income tax on the gains. If your heirs are in their prime earning years, they may get bumped into the higher tax bracket. They may pay 40% of your legacy to tax authorities. I will avoid this problem by using a special IRS tax-FREE account that I have funded for the last 10 years. I avoided all the legal costs of an estate plan and establishing a trust. I have both at no charge.

You can avoid the legacy costs—including heir income taxes: http://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

Consumer Reports on your best and worst buys: vehicles

Reviews show US car makers still have a distance to travel for Americans even though most of the best are made in America. It ranks automakers across the world by reliability, road test performance and other factors. For the second year in a row, Lexus topped the list, nearly matched by Mazda, and followed by Toyota and Audi. The bottom of the list included Ford, Dodge, BMW Mini, Jeep and Fiat.

And its top picks: https://www.yahoo.com/autos/peoples-picks-10-most-popular-cars-consumer-reports-100034666.html

Is critical illness insurance right for you?

It sounds like insurance you should have but remember what happened to Donny Ray Black in Grisham’s The Rainmaker. Your insurer knows the game better than you do so have your financial advisor or lawyer investigate the policy first. You must be “sick as they define it.” Your doctor doesn’t decide if you get paid. Benefits of $5,000 to $100,000 are paid if you meet all their conditions. It costs $25 to $50 a month. You could have Vanguard take $50 a month out of your checking to invest over time for $100,000. Most people cancel before they use policy. At least Vanguard gives you your money back. And if you don’t need it, you can use the money for other things.

http://www.amazon.com/Customize-Your-Insurance-Save-every/dp/1490936440

How the government wastes our tax money

.New destroyer cost $4.4 BILLION and has been rejected by commanders as costs soar.

.Boeing makes new unmanned sub we don’t need at outrageous cost

.AL GOP Gov Bentley reversed the minimum wage increase Birmingham gave to workers last month back to $7.25 in order to give 4 friends raises of $73,405 on $91,000.

Why would Alabama voters vote GOP to lower their wages?

.FBI faking it: a group of Johns Hopkins University researchers has found a bug in Apple’s encryption, one that would enable a skilled attacker to decrypt iphones.

.KY changes marriage cert so Kim Davis does not have to sign GOP religion wins!

SCAMS

Doctors who receive payments from the medical industry do indeed tend to prescribe drugs differently than their colleagues who don’t. And the more money they receive, on average, the more brand-name medications they prescribe. Doctors who received industry payments were two to three times as likely to prescribe brand-name drugs at exceptionally high rates as others in their specialty. Medicare data only.

Check your doc: https://projects.propublica.org/docdollars/

Service people are targeted more than other groups.

Debt collectors harass them by going to commanders about unproven debt or medical debt not paid by the VA. Improper credit reporting gives service people bad rating which affects all financials--insurance, mortgage and sometimes job acceptance.

Israeli’s teach FBI how to hack Farook’s Apple iphone—No code is perfectly secure!

A Canadian helped two Chinese military hackers steal secrets about US Boeing fighters.

Who owns your account now?

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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