Expecting negative returns in 2018?

Are you expecting negative returns?

This year is on track to deliver the lowest share of positive returns adjusted for inflation across 17 major asset classes since 2008, according to Morgan Stanley. Too bad. Our clients have stayed with their balanced portfolios because we can’t predict the future of the markets. This is a snapshot of their returns so far:

Total Return Fund Long-term Return Longevity

YTD 2018*                              2017

10.2%                                      21.7% 500 Index                     11.1%* since 1976

 7.9                                           3.2% Energy                            10.7% since 1984

10.4                                          17.9% Extended Market          10.9% since 1987

13.2                                          19.6% Health                           16.5% since 1984

 3.5                                           42.9% International Growth     10.8% since 1981

14.3                                          29.5% PRIMECAP                 13.9% since 1984

10.5                                          16.1% Small Cap Index           10.7% since 1960

 0.1                                           10.2% Wellesley Income          9.9% since 1970

 3.1                                           19.1% Windsor                       11.5% since 1958

 6.3                                           16.8% Windsor II                    10.8% since 1985

 8.0%                                       19.7%                         Average 11.7%

*9/26/18                                   Average Annual Returns as of 12/31/17.

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

Is ‘interactive’ life insurance right for you?

Your annual physical is no longer enough for one insurer. Now they want your ‘lifestyle’ data on a continuous basis or you can’t be insured. Hancock says. The Hook: policy holders are incentivized to adopt healthy habits and pay fewer premiums. On the other hand, insurers may eventually use data to select the most profitable customers, while hiking rates for those who do not participate. And can we trust them to provide the discounts or even pay benefits? MetLife and other insurers stopped looking for beneficiaries so they could keep the death benefits. If the beneficiary does not keep in touch with the insurer, they lose. Life insurance is NOT an investment anymore.

Make sure you need insurance first: https://www.amazon.com/Life-Insurance-Need-Save-right/dp/1480002178

Are you overpaying for car insurance?

This graphic shows the average costs per state for min and max coverage. Are you where you want to be? You may be paying for benefits you don’t need, like life insurance, towing, or full replacement. You may not have claimed all the discounts you deserve. Unfortunately, insurers don’t ask about the items you can qualify for since it reduces their commission. You have to ask to have life and health care insurance removed. If you have this coverage already, you’re wasting your money with a car insurer. Some add accidental death and disability insurance to your premium. Do you know when NOT to make a claim? If you don’t shop around, you never have the benefit of new client discount. Securing your discount adds up year after year.

https://www.amazon.com/Industry-Insiders-Guides-Buying-Insurance/dp/1466435712

Which Medigap plan is right for you?

Look closely at your supplement plan. Plan F will cease in 2019. The existing Plan G may be a better deal for you. Consult with your doctor and your records to see what you really need. Plan G provides the most benefits but at higher prices than others. For instance, you get limited foreign travel medical assistance included. Frequent co-pays get expensive. Can you switch to generic drugs? One agent says: “You save about $350 a year on premiums, so it makes no sense to buy F to cover the $183 deductible.”

Do your research: https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx

 Is your Medicare Advantage plan denying service you’re due?

Auditors have found “widespread and persistent problems related to denials of care and payment in Medicare Advantage,” the report said. The fixed per-patient rates the government pays may give plans “an incentive to deny preauthorization of services for beneficiaries, and payments to providers, in order to increase profits,” the report said. Enrollment doubled over the past decade. One-third of Medicare patients are now covered by the private plans. In 2016, the plans denied 4% of requests to approve treatment before it was provided, known as prior authorization, and 8% of requests for payment after treatment. Only 1% of patients disputed the insurers’ denials. Most disputes changed denials to approve. Most plans provide additional coverage, such as vision, dental care, and prescription drugs.

Always dispute a denial: some plans reverse 98% of the time.

Who is this Mueller guy anyway?

He never speaks but his pen speaks for him. 35 so far. ‘Witch hunt’ has 191 criminal charges by this duly-authorized former FBI chief of the investigation. What happened to get Trump elected will require a simplified 2 hour movie to explain all that went down with this ‘Russia’r Trump’ thing. This investigation may be more important than the Nixon termination event. As happened then, our democratic principles are at stake. After all the voter suppression, can the people of America vote to put us back on track? Are our votes counted fairly? Can our Reps govern? Can the FBI do its job? Does donor money control every election? Do we outlaw all the money? How much power should the president have?

Will the middle class survive? https://inequality.org/facts/income-inequality/

Is a ‘Retirement’ bond right for you?

The retirement bond would not pay back the principal; instead, after 20 years, it would become more like a deferred annuity paying a stable, secure income—but investors would get more bang for their buck. Martellini says the retirement bonds could be offered as transparent, low-cost products that are easier to get out of than a typical income annuity. Someone five years from retirement today, a 61-year-old, would be buying 2023 retirement bonds. The bonds would start paying cash in 2023, and continue paying for 20 years. If launched, the new retirement bonds could be offered in lieu of bonds or annuities to investors. “Annuities are opaque, costly and mostly irreversible unless you’re willing to pay high surrender charges,” says Martellini. Most retirement investors want security and a guaranteed stream of income, but they also want the flexibility to adjust their investments and their potential income stream over time. But most bonds lose value over time so buying a bond locks in low income payments.

Buy Income and Growth Combo: https://www.amazon.com/Combo-Annuity-Guaranteed-Income-Growth/dp/1493572237

How much emergency cash is enough?

Savings, CD, MM, credit cards or bond fund. Which is best for you? Some propose an employer plan with paycheck deduction like a 401k but with no penalties. Actually some can do this now with a Roth 401k. You get tax-free growth for life and you can take your contributions out anytime without penalty. A short-term corporate bond fund like VFSTX will rise with rates. CDs are tricky since rates are rising so keep away. Or perhaps your best alternative is a HELOC. If you have equity in your home, you can obtain a line of credit for rainy day. Home worth 300,000 and you owe 150,000 you may obtain 50,000. With no closing costs and interest charged (current 5%) only when you use the line, this a perfect ‘emergency’ fund. You can leave your retirement money alone to grow. As long as you don’t misuse this money, you won’t lose your home—HELOC is a 2^nd mortgage.

Don’t fall for your broker/advisor illiquid products: https://www.amazon.com/Avoid-Scams-Brokers-Advisors-Sender/dp/1726328023

Do we go backward or forward with wages?

Most Americans say they are NOT benefiting from the $4,000 Trump promised. Most feel that Trump helped his class—giving us higher tax bills in the future to pay for all the cuts in revenue in the next 10 years. Corporations got to keep all their subsidies, grants and special financial deals. Average homeowners in CA, NY and NJ are not able to deduct their property tax so anyone with a single family home will pay more. Those who own the mansions have put the property in a legal entity to keep the deductions like The Don’s home in Trump Tower—all deductible. Because half of workers are not skilled they earn what they earned in the 1970s-80s adjusted for inflation. Plus health care costs rise and Obama subsidies were cut so many will go bankrupt with illness. We have no infrastructure works program that could employ those workers. Is going backward right for America?

Last time unskilled workers were left stranded, America did not abandon them. They got work building many village halls, dams, bridges, etc. We had hope because we were moving forward with a little help from the feds. 8.5 million of our fellow Americans had work and it paid off. Now most of the subsidy money goes to the wealthy class.

Move forward: https://www.amazon.com/Americas-Socialism-for-Rich-not-little-people/dp/1535218584

Another way the wealthy avoid their fair share

Trump’s new tax law changed the AMT—alternative minimum tax—so that many rich people will not have to pay it. Treasury gave us this tax after it was determined that 155 rich people paid no tax in 1966. Americans were outraged and Congress added a tax. AMT was born in 1979. Millions of rich people had to start paying their fair share under Reagan. Now Trump and his tax-credit class have got CPAs maximizing retirement contributions, funding a health savings account and making investment account adjustments where it makes sense to take the losses for use against gains. “After that, we go for increasing charitable contributions,” an observer added. You don’t need a CPA.

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

Homeowners in Dem states plan property tax limit workaround

New Jersey has set the rules for how residents can make an end run around the $10,000 federal limit on state and local tax deductions. Unfair treatment compared with other states is at stake. The average home in NJ is assessed $18,000 tax. Each jurisdiction can establish non-profits to collect taxes for education, fire, police, libraries, trash pick-up, road repair and other local services making them a charitable deduction. “If and when the IRS finalizes its rules, we’ll see them in court,” Attorney General Gurbir Grewal said.

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Make America, “The Don”, Great Again

Senile Psychosis

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

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

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

Is Medicare for All the answer? Obama Trump could NOT stop the rise in health care.

House on vacation again: no work no pay! Save $ millions—half are already millionaires.

SCAMS/SPINS:

Trump tax cuts went to the wealthy—some middle class actually pay more: voters wise.

Drug prices manipulated due to shortage and shortage created by drug firms: addiction.

Is your ride popular with thieves?

Social Security sends email; NOT call for information—never give callers your info.

Non-bank lenders playing the same role as in 2007: could melt-down happen again?

Trump raising the price of heating oil and gas with tariffs and Iran boycott.

Neil Maxwell CO caught investing funds without telling clients he did it.

Voya caught giving criminals passwords to 5,600 client data. Fined $1 million. Fees rise.

Philip Roesel caught using fake caller ID number to trick us 21 million times. No Jail.

Half of cellphone calls scams: fake directed at most vulnerable of us. Feds do nothing.

Suicide by cop: Everyday people with guns kill co-workers and get cops to kill them.

This is why Wyatt Earp in Tombstone took people’s guns when they came to town.

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Why is Trump surprised when the world laughs at his ridiculous narcissistic statements?

Trump: I fear #METOO Movement. “It’s happened to me many times.” “I grab p__y.”

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Jobs:

$73,000 driving for Walmart: Congress changing law to age 18?

Are you sure you want to keep out all immigrants? She is 7 and the next generation.

Who owns your account now?

Identity theft protection is free: Freeze your account so thieves can’t buy in your name.

What to watch to avoid cyberattackhack/theft: think like hacker—what can go wrong.

Genetic test: insurers can use it for genetic discrimination : results vary by company.

Your business self-insured for health care? Cut out the middle person.

OppenheimerFunds to Invesco Ltd.

Royal Bank of Scotland is changing its name to ‘Bo’ ?????

Miracle:

A tiny clip in your heart can save you but it costs $30,000: doctors/hospital extra?

Good Samaritan helps stranded car but then evil comes.

Two heads are NOT always better than one. Anything can happen and does.

IAN

41 Watchung Plaza, B242

Montclair ,  NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alert

Tax overhaul will be a miracle

Tax overhaul by Trump will be a miracle

The Don is a developer of real estate and he and other rich people have enjoyed the fantastic benefits of the existing tax code their whole lives. Consider the basics: you put in a few dollars to buy a building site with other investors. You got other investors and banks to lend you over 80% of the cost to build/fill with tenants. You get to deduct the interest on the loan and the expenses in running the building. Expenses can be property taxes, depreciation, security, promotion, maintenance, personal expenses to win and keep investors happy, lavish advertising, opulent parties, hair spray, etc. You reduce your other income with these expenses. The New York Times has reported that Mr. Trump’s businesses have at least $650 million in debt. The deductible interest is huge. In 1995, for instance, he deducted almost a $ Billion from his income so his taxes for years ahead were reduced to MINUS. He loves debt so much he has profited from bankruptcy FOUR times. His budget, increasing the national debt by $10 Trillion, may hit bankruptcy level. He is profiting from the national debt already after only 100 days.

Is it likely that The Don will push through Congress the elimination of the tax benefits of the current code? Would you give up your tax credits if you were Trump or Congress?

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

What can you do when the market falls 10%?

People who try to time the market—to sell their mutual fund shares or stocks—before or during a market plunge think this is the way to “never lose money,” as Buffett’s famous number one rule says. However, if you follow his actual deeds, he does not sell when the market tanks. If the price of the firms he holds goes down, he actually buys when others sell. Usually he just ‘stays pat.’ And that is part of Buffett’s strategy: stay pat. Buffett, the most successful investor of our time, does the impossible—he does not panic. He does not panic because he knows there is no better deal than what he has. His advice about making money: "We continue to make more money when snoring than when active." Fidelity found that the 401k accounts that did best were those left dormant.

So be a Buffett Millionaire: https://www.amazon.com/Warren-Buffett-Millionaire-money-snoring/dp/1508887381

Trump could be a great president

He could end sex discrimination in the workplace and government. Fact: women get paid less than men for the same work. Some studies say women get 70% of men’s wage rate. Simple law for all business concerns to execute: they have data on pay and job titles. Trump would be hero to working women and who could complain? It would also raise wages to create demand for our economy. GOP could build party depth by showing respect for women workers—HALF the voting public. Who would object? Women create many small businesses and would be praised for equality. The increases would allow women to save for retirement since many receive less Social Security because of low lifetime wages. They need more retirement money because they live longer. Ending sex discrimination would help Trump with his misogynistic image. His regime is all white men with women in secondary positions.

Get ready for TrumpWorld: https://www.amazon.com/Your-Retirement-Income-Checklist-TrumpWorld/dp/1544703260

The best graduation gift is money

Most retirees I help bemoan the fact that they wish they had started early to create a pile of cash for their later needs. They admit they had little money to do that but NOW they know it is TIME, not picking the next Apple that would have made a big difference. Your gift, should you accept the task of giving them a start, can help your graduate get started. Even a small amount can put them on the road to riches. $100 deposited in their own Roth IRA means in just 20 years, they might have $75,000 if they match it every month automatically from their account. If they continue, that’s $225,000 in 30 years and $650,000 in 40. If they wait to start, it will take $820 a month to get the same amount.

And it can all be tax FREE: https://www.amazon.com/Give-your-Graduate-1000000-Lifetime/dp/1456433105

Are the new ETFs right for you?

Your advisor has made the case for an ETF portfolio. But are they right for you? (We know they are right for your advisor because they carry commissions when you trade.) The answer comes from your objective: Is this money for long-term accumulation or for market timing? Most ETFs are indexed funds and they are best suited for investors who AVOID a market timing strategy. Advisors mistakenly think they can pick the right segments over time. According to investment return tracking firm DALBAR, a stock index provides 11% per year vs. 3.79% for trading accounts. Indexed funds and ETFs only invest in the stocks on an underlying index, so they do not require an active manager to make picks. Unlike market index fund investing, investing in an indexed ETF requires that you be bullish on the underlying market segment. So if your goal is long-term total accumulation, use the lowest cost vehicle you can find. Typically, an index mutual fund that does not trade provides your best deal. Most large providers offer a 500 index for less so you earn more. Most 401k plans do too. Avoid the “Pimps” who promise more but deliver less: https://www.amazon.com/Pimps-Wall-Street-money-middlemen/dp/151525254X

 Fees: what is the right amount to pay?

Vanguard has become the largest provider of investment products because it is the low-cost producer. Morningstar, the financial rating firm, compared all the mutual funds and found that the low-cost ones produced more return than the high-cost ones. Over time, your costs determine your final account balance. Your pension is losing money due to fees. If you are paying 2% total expense (1% management fee and 1% expense +12b1 fee) you are giving up about 63% of your total possible accumulation. And your advisor/firm gets the yacht. It is “the tyranny of compounding costs” according to Vanguard’s founder, John Bogle. Warren Buffett seconds this strategy. Ten years ago he bet a fund manager that the 500 index (0.04%) would beat managed funds. Stakes: $1 million. Despite the 2008 tumble of 37%, the index rebounded in astounding fashion. In 2013, the broad market index fund saw 32.3% gains vs. the hedge funds’ 11.8%. In fact, his index fund pick beat the hedge fund’s returns in 6 out of 8 years. Buffett’s Vanguard index is up 85% vs. their 62%.

Your choice—earn 11% or 3.79%: https://www.amazon.com/Millennials-Investment-Strategy-BEST-journey/dp/1533079242

The Don’s budget shrinks the middle class

Mr Mnuchin, Treasury, says the end to mortgage-interest tax deduction would end the American dream for all but the wealthy. A married couple would need a home-loan balance of about $608,000 before using the deduction would make sense, according to Trulia. And Trump’s end to local property-tax deductions would decrease home sales which would lower existing home values. Realtors’ lobby opposes it, obviously. Home ownership rate would fall. Reducing incentives to buy could benefit large publicly traded landlords like Trump’s friends, not his supporters.

His one-page tax plan includes ending the estate tax so wealthy families can create oligarchies. Estate IRS exemption already exempts most $10 million legacies. However, if the step-up in basis on assets is eliminated then the advantage of receiving your family home tax-free at your parents’ death is lost. You would owe tax on the appreciation of your parents’ home since they purchased it. If they left you a property worth $375,000 they bought for $75,000 35 years ago, you would owe $45,000 that year ($300,000*.15).

Use the Working Millionaire tax shelter: https://www.amazon.com/Working-Millionaire-Tax-FREE-Self-insure-Self-fund/dp/1460945484

Where do you park your short-term cash?

Credit Unions have higher rates because they can be more selective in who they call ‘members.’ So if you are a member of a union or work at Walgreens or ATT, you might qualify to earn high rates—2.75% for 5 years. You may not need to visit a branch. Some offer computer services like bill pay and remote ATM use. Your car and home equity loans are usually cheaper since you already own CU shares. Credit Unions make sense for most people who don’t have time to visit a branch or have few transactions. Earning more on your money and cutting fees is key to building wealth: https://www.amazon.com/Personal-Finance-Smarties-Not-Dummies/dp/1469973030

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TrumpWorld

Goal: Household name around the world

Trump jr promotes properties during official visit to Saudis

You and I pay for the kids’ security and travel around the world

Trump boasts of highest TV ratings since ‘the World Trade Center came down’

‘Trump’ brand is all he cares about—it is all he knows. Trump vs America brand

He only reads Intel that contains his name.

We can’t stop watching his “apprenticeship for president show” EVERY DAY!

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

We have entered the Twilight Zone:

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

Rod Serling

Benedict Arnold? Oath of Office? GOP 1^st for impeachment Putin paying Trump

The Don boasted top secrets from an ally to Putin’s spies: will ally trust us again?

Trump gave granular details to the Russians—Syrian city where the ally got Intel—helps Putin control who has ISIS Intel. I have 'absolute right' to share ‘facts’ with Russia.

Trump Putin back channel set up to avoid US Intel community. Secrets passed?

Trump asked Putin to hack Dems, used fake news, disrupted elections, used spies.

So Three Russian Spies trade jokes and Intel in WhiteHouse. Jokes on us. Impeach

But didn’t Trump pillory Hillary for giving up top secrets in her emails?

If these were president Hillary’s acts GOP House would have bill of impeachment now.

‘misconduct of public men’ or ‘the abuse or violation of some public trust.’ Hamilton

Our greatest fear: Trump’s lust for power—obstruct FBI probe, fire Comey—Now tapes!

“I was going to fire Comey,” Trump said defiantly. “When I decided to just do it, I said to myself, ‘You know, this Russia thing with Trump and Russia is a made-up story.'”

‘You’re fired’ letter has issues reversed. “Thanks for clearing me of collusion with Russia.” and ‘You’re fired’ so the Russia-Trump probe ends? Harvard Law: “Impeach”

Trump will call Putin as his first defense witness. Putin provides WH transcript/tape?

Trump is still a contractor from Queens

Trump threatens FBI Comey with secret tapes Trump made of their talks. Like mob boss, he asks Comey to let Flynn go, then asks for loyalty, then fires him, then threatens him.  https://twitter.com/realDonaldTrump/status/863007411132649473

Trump is like Cosa Nostra who thinks he owns the town’s people and the Law.

Justice Rosenstein memo made up to cover Trump’s firing Comey to halt probe.

Does Flynn have a pistol and bodyguard? Flynn knows what Trump got from Putin.

Free American press may be locked out of WH:

Trump may end press conferences—only TASS (Russia) will cover events.

Trump finds it hard to keep his story straight when he lies—he forgets which he told.

If Trump does not have tapes of top secret disclosure, Putin will supply his.

Trump asks FBI to arrest reporters for publishing information he didn’t like.

The Don blackmails Comey: “secret tapes of his conversations with Mr. Comey”

The Don asked for loyalty and Comey said honesty. FBI ideology ended with Hoover. “…that sounds more like a mafia boss than the president of a free republic.”

Trump’s new China policy:

Jared’s family selling US citizenships to foreigners for personal profit!

Coulter on Trump: “That’s the one fascist thing he’s done. Hiring his kids.”

“In Trump We Trust,” Coulter “worshiped” him with “blind loyalty.” Regrets

Chinese spent $7.7 billion for 40,000 US visas and it is linked to fraud cases

Ivanka pays $1 a DAY for her clothes line to poor Chinese who have no home life.

South is still fighting the Civil War—reliving the past is key pastime for many.

Little Dictator wants war:

Army to go back to Afghanistan—Putin strategy? Lockheed Martin stock rise?

Jared makes $110 BILLION deal for weapons to Saudis. Commission 10%?

Those who don’t learn history are cursed to repeat it’s mistakes.

“Follow the money” Lindsey Graham

The Don just ‘lawyered up’—is Trump above the law? Can he govern?

Trump just hired a Washington law firm to send a letter to the Senate Judiciary Committee denying that he has connections to Russia. Lindsey Graham said he planned to look into Trump and associates business connections. The Don uses 516 companies to hide his income from all kinds of legit and illicit businesses. In 2008, Trump’s son Donald Trump Jr. said at a real estate conference that Trump businesses “see a lot of money pouring in from Russia.” “Russians make up a pretty disproportionate cross-section of a lot of our assets,” Donald Trump Jr. said at the time. Trusts Russians?

Uncovering More Trump Ties to Mobsters and Shadowy Oligarchs

The Don uses shell corporations and cut outs to launder money for the mobs and oligarchs on Russia and Kazakhstan to buy real estate. Commerce Sec Wilbur Ross was vice chairman, Bank of Cyprus, which was premier bank for laundering money for Putin and associates. Ross worked with a former chairman of Deutsche Bank, known for its money laundering capabilities. Trump’s Xorders and agency appointments are being shaped by lobbyists from religious right, insurance, oil and gas, IT.

Trump is turning America into a Tammany Hall-style transaction political business.

Trump is still a building contractor from Queens! Bribed inspectors, excluded blacks

Your employer no longer has to tell anyone when you are injured or ill by job

Trump revoked the disclosure rule requiring companies to electronically report injury and illness records -- a move that effectively keeps these records from being publicly disclosed for the immediate future. “Not having this data increases the likelihood that workers will be injured…”

*

More Americans say Trump doesn't keep promises: poll Apr 9  Promises broken.

The GOP bill gives the rich tax cuts that add up to $1 Trillion. The real TELL in this vote: Congress members will NOT lose their ObamaCare guarantees in this version. Trump has his WIN and we lose. 24 million people lose coverage. Even Fox News sees single payor in 7 years as a result.

Side by side comparison ObamaCare vs TrumpCare: http://www.latimes.com/projects/la-na-pol-obamacare-repeal/

Premium increases ACA vs AHCA 3 ages show all increase over time. Medicare for all

Even Aetna wants a debate on a single payer system like Vermont.

Flynn as paid secret foreign agent while US official and campaign knew it—traitor?

Flynn to Senate Intelligence Committee: “F**k you” no docs.

Trump knew Flynn was paid spy and still given access to top US secrets Treason?

Trump tells spy Flynn to stay strong, come back, presidential pardon: Hang together?

Which witch?

Resign or impeach? Which is better for Trump brand? Most mistreated president?

Trump sees world differently. Turkey SS beat up Americans in DC and says nothing.

Trump needs to watch other cable than Fox.

Trump thought he would be cheered for firing FBI to stop probe.

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

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

Supremes say NO to NC voter ID laws—NC wants to keep blacks from voting.

“An ugly chapter in voter suppression is finally closing.”

Student loan lenders don’t inform 90% students of available lower payment plans.

Baseball’s DeCinces caught insider trading making $1 million on tip from Mazzo.  

Your internet speeds and capacity will be market priced thanks to Trump. Disney vs you.

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

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

Police want gun control.

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

Chicago police to try de-escalation instead of shooting blacks, latinos. Will watch videos.

SCAMS:

Ransom ware threat: Click on link in email and all your files are gone. Pay ransom and still not get them back. Fix: Back up to cloud or your own external hard drive.

Ignoramus Award:

Trump threatens FBI Comey with secret tapes Trump made of their talks. https://twitter.com/realDonaldTrump/status/863007411132649473

Trump’s lawyer is posting his daughter in bra and pantyhose on twitter. Trump has called his eldest daughter “voluptuous”. He’s said it’s OK to describe her as “a piece of ass”. And he’s said that, if she wasn’t his daughter, “perhaps [he’d] be dating her”. Sickies!

How our government wastes our money:

Installing another presidential taping system.

Installing voter suppression head to find the “3 million illegal” voters that put Hill on top.

Where have all the jobs gone?

http://www.thesimpledollar.com/apprenticeship-programs/

https://www.benefitnews.com/slideshow/best-29-careers-work-life-balance#slide-19

GOP Frelinghuysen intimidates critic by complaining to her boss—she is out of job

Ford to cut high pay jobs

Job interview will ask for your salary requirements. Answer: I will research the range.

Which job board sites are best for your job search?

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

Miracle:

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alert