Which is best for you: T-bills or Treasury bonds?

 

Which is best for you: T-bills or Treasury bonds?

The current Treasury yield curve is deeply inverted, offering 5.4% for one-year T-bills and just 4.3% for 10-year Treasury bonds. The 10-year rates a year from today are no more likely to be higher than lower than they are today. It is hard to know if the short-term boost is worth missing the longer term high-yield bonds. The trick is to know when to move back into bonds when the market changes. For most long-term investors, this way to pick up a bounce in income may not be worth the disruption in their accounts. Remember market timing like this is impossible 2 times in a row—getting out and getting back in—at the right time. The future is unknown and the safest strategy is to go with the most likely outcome: Buffett’s strategy.

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

 

Paying regular monthly fees and charges can cost you big bucks

Are you paying bills on an installment basis? Are eating out/take-home more than once a month? Are you Paying for Streaming Services You Don’t Use? Are you Paying ATM or Checking Account Fees? Are you paying higher interest costs on loans? Are you NOT comparison shopping? Are you paying extra fees to your money manager or broker? If this is your pattern, over time, you are giving away $ thousands that could be earning you more for your future goals. The difference is HUGE: Over your “investing lifetime, that little 2 percent in fees [and charges] will erode 63% of what you would have had.” That could mean have $500,362 instead of $878,570 ($250 per month for 40 years at 6 vs 8%). You will need that extra $378,208 because of inflation costs in 40 years.

Buy wisely: https://www.amazon.com/Stop-wasting-000-every-year/dp/146108394X

 

5 Simple Steps to an Awesome Retirement

When you’ll retire: The longer you stay in the workforce, the more money you’ll be able to save for retirement through your 401(k) plan and IRAs.

Where you’ll live: If you decide to move somewhere else, you’ll need to consider how much it will cost to live there in terms of housing, food, taxes and transportation costs.

How you’ll live: You will need to consider how you will spend your time—still working or semi-retired with other things (a hobby) to do. In a recent survey of retirees, the number one project for retirement was to find a hobby.

Where will the money come from: savings, investments, SS benefits, part-time work.

 

What about health care? This may be the most expensive part of living for another 20-30 years without paid coverage. Calculate the costs of health care in retirement at https://www.healthcare.gov/retirees/. You may need to buy a supplement policy so you need to save more, invest smarter, and raise your annual contributions to your 401k and IRAs. Consider maintaining your stock market exposure at 50% in early retirement. Remember, for many, retirement may last 25-30 years and a 100% fixed income portfolio may just not make it. Pay a one-time fee not 1-2% a year for 40-50 years. Work with a fee-only fiduciary adviser to keep more of what your portfolio earns.

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

 

Credit score facts

Some folks think you need to carry a balance to have a great score. Lenders want to see that you use credit responsibly, not that you carry a balance. Medical collections with balances of $500 or less should no longer appear on your credit reports. Unfortunately this does not include medical debt on your credit card. If you do not receive help removing incorrect data, file a complaint with the CFPB at consumerfinance.gov/ complaint or call 855-411-2372. Keep a record of who you talked to. Myth: You need to keep your credit utilization rate (credit you’re using compared with your total credit limit) under 30%. Credit firms are not exact but if you’re using a high percentage of your available credit, or you’re close to maxing out your credit cards, that can have a negative impact on your FICO score. Closing an account with a balance may cause a spike in your score. Carrying a paid-up account can help your score since a zero balance can last up to 10 years. Updating your income doesn’t negatively impact your credit score. You don’t need a ‘perfect’ score of 850 for best credit. Any score above 800 reflects a credit worthiness shared by very, very few people and will not prevent one from obtaining any kind of credit.

Learn more: https://www.amazon.com/DIY-Financial-Independence-Freedom-Workbook/dp/1088908500

 

Advisors set to hide annuity products under different names

Goldman Sachs analysts have spotted shadows of new types of annuities, or annuity-like products, spawning. GS found that companies are developing a “next generation income solution.” The analysts noted insurers’ hunger for “products that offer investors exposure to potential market upside coupled with downside protection.” This sounds like an annuity—perhaps the registered index-linked annuities or RILA. This variable indexed annuity matches that description. “Some of the most innovative annuities coming out in the next year may look a lot different. Some may not even be called annuities.” No matter the name, insurance company products are usually expensive investments with narrow and limited exposure to market gains. Technically, these products are marketed as growth investments with little or no downside risk because that is what older folks want—high earnings and no losses.

Beware hidden fees: https://www.amazon.com/Lies-Financial-Advisors-Told-alternatives/dp/1478281545

 

 

 

********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 govt overthrow 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

 

Mar 31 2023 Trump indicted misusing election money

 

Apr 7 2023 One GOP guy decided which drugs we can use

 

Apr 9 Illustrated Anne Frank book removed by Florida school

 

Apr 21 Trump: “I am your justice”

 

May 9 Trump guilty of sexual abuse

 

Jun 8 Trump indicted by the United States of America

Violation of the Espionage Act

Conspiracy to obstruct justice

Making false statements 

 

Aug 1 2023 Trump indicted by the United States of America

Conspiracy to defraud the United States

Conspiracy to obstruct Congressional proceeding

Obstruction of and attempt to obstruct an official proceeding

Conspiracy against right to vote

 

 

Attempted coup d'état by any other name

 

350+ people have been sentenced to jail or prison.

 

 

Trump and His Gang Get the Mob Treatment

 

Aug 4  “IF YOU GO AFTER ME, I’M COMING AFTER YOU!”

 

Mobster #1 Enrique Tarrio gets 22 years 

Mobster Stewart Rhodes sentenced to 18 years

Mobster Ethan Nordean gets 18 years

Mobster Dominic Pezzola sentenced to 10 years

 

 

 

Aug 14 2023 Trump & 18 indicted by the State of Georgia

 

VIOLATION OF THE GEORGIA RICO (RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS) ACT SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

CONSPIRACY TO COMMIT INIPERSONATIN PUBLIC OFFICER FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

CONSPIRACY TO COMMIT FALSE DOCUMENTS

FORGERY IN THE FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

FILING FALSE DOCUMENTS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

 

 

Aug 24 2023 The Don, Racketeer: GA jailhouse real ‘mug’ shot

 

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Biden wasted $50 million gut renovation of the Situation Room: plush above boardrooms

Air Force ‘lost’ an $80 million F-35B near Lake Marion: no budget for reward money yet

Gold highs may produce sales that are taxable as asset gains

 

SCAMS/SPINS:

“Trump is a threat to American democracy" Colorado Secretary of State 

Half of us expect misinformation spread by AI to affect who wins the 2024 election

Romney: GOP ‘doesn’t believe in the Constitution, law, tolerance, fair elections

 

Auto insurance prices are rising at their fastest pace in 40 years

GTT travel caught duped travelers into booking on American: extra fares and fees.

Qantas caught selling tickets for cancelled flights

 

Why we wait weeks to get doctor appts; doctor wastes hours clicking med screens 

Patients’ are paying more than 100 times that of the generic cost: pharmacies make killing

Medicare will never call you unprompted and ask you for your personal information.

IRS Debunks Trust Strategy for Income Taxes

 

 

Tempoe OH caught tricking us into expensive leasing agreements: retail hidden costs

"BLASTPASS" bug can install malware without user interaction.

E.R. visits get longer

WellsFargo Carrie Tolstedt banned from banks: pay $21 million to regulators.

Ron Ernest Filoramo caught inducing clients to trades not completed

 

Ethan Christopher Martin caught using client funds improperly; fine

SW Financial Peter Girgis caught churning client $1.06 million in high-risk stocks

Bishop: local churches, schools must pay for clergy child abuse, rape, theft

3D-printed vegan salmon filet in Austria: global fish stocks are overfished

 

GA jury to charge Trumpers Graham, Loeffler, Perdue and Flynn as conspirators too

Another co-conspirator claims “I was just doing my job!” Nazi defense invalid

Regulators Blast Union Pacific for Running Unsafe Trains

You Can Unsend and Edit Text Messages on Your iPhone?

 

 

NM Gun violence declared public health emergency: leading cause of death for children

DeSantis: FL residents don’t need new vaccine to avoid virus: no proof from Dr

‘Capitalist’ state FL turns to socialist state method to fund hurricane property insurance

 

Jobs

China surreptitiously recruiting Americans with specialized skills to help its army

Jobs near you

73% said they “respect skilled trade as a career” putting it second only to medicine

 

The 19 Best Places to Sell Used Clothes Online and in Person

IRS looks to hire 3,700 employees

jobs.interestingengineering.com/

 

Salesforce to Hire 3,300 People

Most-used independent source of info on K-12 403(b) plans: 403bwise.org

Retirement plans: JD Power’s best and worst: American Funds, Schwab, Bank America 

 

Tesla new design: die cast complex EV underbody in one piece rather than 400 parts 

10 Construction Jobs with the Fastest-Growing Wages

10 Companies That Hire for Remote Admin Jobs

 

CVS, Peloton and DoorDash among top 25 companies offering hybrid jobs

 

 

Who owns your account now?

Wiley Bros.-Aintree Capital sold to &Partners

When NOT to pay off mortgage

Paying off mortgage can decrease your credit score: crazy bankers’ formula

 

Streaming services can cost as much as cable: fast internet plus 2 SS may cost more

Find your net worth: financial calculators easy to use

20 Dark Chocolate Brands, Ranked Worst To First

 

6 Best Credit Cards for Bad Credit 

Independent advisors offer clients 5% and up to $10 million in FDIC insurance.

CDC recommends everyone ages 6 and older get the new COVID-19 vaccine

 

New Legacy IRA QCD allows for up to $50,000 in charitable donations in one tax year.

IRS accepts different types of third-party authorizations

Retirement: home-related expenses trigger financial unpredictability

 

Retirees fear inflation, price hikes, cuts in SS benefits, no time to save more,

Women claim SS benefits too early, miss ex’s benefits, spouse makes wrong move

$2,000 Saver’s Credit depends largely on your income: folks don’t know about it

 

New at-home COVID-19 test: order four free tests per household COVIDTests.gov

Recall Kraft Singles American processed cheese: plastic chokes

 

 

 

 

Miracles:

Hearing loss is associated with increased cognitive decline: hearing aides slow decline

Newly discovered protein within cells may help stop the aging process

Unique longevity mechanisms in long-lived mammalian species can be exported

 

Retirement investments can compound at 10%: $250/mo reaches $1,594,195 in 40 years

Exercise may prevent Alzheimer’s disease: body releases hormone irisin.

Majority of young adults think proper spelling doesn’t matter anymore

Climate change will likely bring back-to-back storms soon

 

 

 

 

 

@

 

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.

A ‘particle’ is an event; not an objective thing. This event is set of complex relationships.

 

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

In place of atomic lattice, light waves used to create an optical lattice with same geometry

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

Quantum mechanics violates local realism: two objects behave as single system at 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

Strange state of physics that allows energy to flow frictionlessly through a material. 

Bending light from extreme gravity reveals largest black hole so far

Curved SpaceTime: heavy masses and simultaneously quantum effects become visible

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: created our time.

Our planetary system: rarest system: only 1% of all systems with same number of planets

 

Stars fueled by the self-annihilation of dark matter might have been spotted for the first time by JWST

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.

New method to study systems with long-range interactions: previously puzzling experts

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/

Physicists knew black holes eventually disappear particle by particle. Now they think everything else does, too.

Astronomers discover raw materials for life are present all across the Universe: methyl cation

 

 

@

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/ No AI used in these comments

 

 

 

Best Holiday Present for Family

Best Holiday Present: Start Wealth ReserveTM Jan for $1 million later

Every retiree has told me they wish they had started investing earlier in their life because it is TIME and not brilliant money management that provided their best strategy.

The Miracle of Compounding earnings, interest and dividends every year turns $250 a month, $99,000 over time into $1 million. Each $250 is worth $2,525 later.

Many said they did not miss the $250 a month because they had it debited from their account automatically. They said they checked their 401k or IRA account only once a year. It always seemed to go up so they did not worry. Some just did not think about the account at all because they were saving for retirement and it was a long way off.

Give YOURSELF the gift that keeps on giving: https://www.amazon.com/Miracle-Compounding-Turn-$9-day-into-millions/dp/1470176513

Will your retirement income last?

This is the number one question we get asked. But no advisor can predict the future so we must rely on the past to consider the probabilities. First, the reason wealthy people keep their serious money in stocks and other investments and not in the bank is because stocks investments have a higher probability of success over time. Second, you can improve your odds by using what we know of stock market returns over time. Third, time invested determines how well you will do with stocks. Bank returns only match inflation. Social Security benefits in retirement are your “bank” returns. You paid into your SS account all your life and your benefits reflect the amount you paid. The average today is $2,212 per month for a couple. As you get older, the amount will increase with inflation. Will your pensions increase and will they continue after you are gone? Can you survive on the total of these two benefits? Let us assume you need another $2,000 a month or $50,000 total before tax to be comfortable. You can generate $25,000 a year from a $500,000 nest egg fairly easily. However $25,000 will be worth less in the future and so you must find a way for your nest egg to keep up with inflation like your SS benefit does. You can’t park your nest egg in the bank at 2%. That’s why pension funds invest in stocks/bonds/other. Test your nest egg for longevity. See how a 50/50 stock/bond mix gives you over 80% chance of success of $2,000 for 30 years even with inflation.  https://retirementplans. vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf

You can try different portfolios with 5,000 different market scenarios.

Make sure your nest egg lasts:  https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

Study says pick right hospital for your needs

Choose wisely but we can’t have info to make choice. Study says if you pick poorly you have 3 times greater chance to die. A good heart attack treatment hospital may be very poor for diabetes. Where you live determines your choices to some degree. Research is required before any elective procedure. Unfortunately, the study did not disclose which hospitals had which results. Otherwise no study. It’s like Sears does not tell you which vacuum cleaner pollutes more either. Hospitals that treated a high volume of cases were generally more successful than those that treated a low volume, but there were exceptions. We can use tools like Medicare’s Hospital Compare, which offers general quality information about individual hospitals, but the data are very limited, study head Dr. Rosenberg said. Without ObamaCare, many Trump supporters will need to find a hospital that will at least take them let alone give them the best care for what ails them. We are told to use health care wisely but there is no outcome information. Doctors and hospitals are for-profit and so they hide outcomes and fees like brokers/advisors.

Unlike surgery, you are better off without a financial “doctor”: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

Whatever your broker/advisor predicts for 2017 is HALF right

All sales people are positive because they have to be. Wall Street in particular has always been HALF right. Every year they make predictions to give themselves and you a pep talk. Since the start of 2000, the Standard & Poor’s 500-stock index has ended in negative territory in five calendar years (2000, 2001, 2002, 2008 and 2015) and has been virtually flat once (in 2011). The S&P 500 fell 38.5% during 2008. It would have been very useful to have received advance warning that stocks were about to plummet, but the Wall Street consensus did not ring out an alarm. On the contrary, the forecast for 2008 was unusually bullish, calling for a rise of 11.1 percent. Wall Street missed the mark by 49% that year. Thank goodness you did not invest in Blackstone’s hedge fund Senfina -- down 24%. So if you look back you see that the forecasters, as a group, are much worse than flipping a coin. If you don’t listen EVERY year, Wall Street is accurate long-term. Stocks provide 10-12% long-term. Use low-cost stock index and beat Wall Street yearly: https://www.amazon.com/Earn-11-11-3-69-Investments-choice/dp/1502412187

FREE tax preparation

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

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

Don’t forget your RMD rules if you are over age 70

The IRS requires that you take specific amounts from each retirement account. In some cases, RMD amounts can be added together and the distribution taken as you like from one or more of the accounts. Any type of IRA accounts can be aggregated, which means you could total up your RMDs and take it all from one IRA – one that is a poor performer, perhaps, or one that will help you rebalance an account that might be overweight in equities in your allocation plan. This task becomes easier if you have all your retirement accounts at one firm. Ed Slott, IRA expert, says the IRS will often waive the penalty if you make a mistake but can offer a “reasonable cause” for the error. 

PLAN to avoid the IRS penalty: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

American democracy is victim of misinformation from all sides

America has a weak point. Contrasted with a dictatorship, we must have accurate information to make good decisions about almost everything in our society. With the latest propaganda war between the different visions of American life, it becomes harder to maintain our democracy. The internet has flattened the world hierarchy. Now people all over the world who want to change our society can do so quite easily. They don’t need to buy a newspaper or TV outlet in our country like Murdock did. They can just overwhelm our old ways of sifting information for accuracy by creating exciting stories of conspiracy and falsehood. Most people get their “news” from sources not known for accuracy. 75% of us are fooled by false headlines. A survey found that people who cite Facebook as a major source of ‘news’ are more likely to view fake news as true.

            Since journalism as accurate reporting of important events has become a profit-center by most organizations, popularity rules. If journalists do not rout out falsehoods and half truths, the propagandists will win every time. Now we learn that the President of the United States with the nuclear codes at hand does not believe those millions of people in the intelligence services who are charged with protecting us. Trump doesn't take the national security briefings because "I'm, like, a smart person."  He has no respect for the facts. He encourages his followers to ignore them too. He encouraged a foreign power to disrupt our elections. He seems to have made up a positive relationship with a proven enemy of democracy. It appears that power has distorted his perception of the world. The great con man has been trumped by his own con. Trump may have been conned by his admiration of the dictatorship of Putin too – flattery is an old KGB trick. We can’t afford for Trump to play this game at the highest level.

America can’t survive on misinformation.

10 MOST unreliable vehicles FIAT named worst

CR asked owners for their experiences of cost, failure severity, safety concerns, or downtime. They found 10 that will test your patience and pocketbook. Sales by hype and not by reputation keep Detroit-Mexico humming. These 10 had the worst scores. Then on the theory you do better by paying more, these 12 vehicles are not holding their value even after 1 year when you try to sell them. For instance, Regal sedan loses 31.2 percent of its original transaction price after 12 months on the road, which amounts to an average net loss of $11,525. It is not on the unreliable list so buy used. Lincoln MKS loses 34.5% of its original value after one year for an average net loss of $16,039.

Take advantage of discounts on new insurance:

“Whatever I say is true; it is true because I say it”

President does own “research” on Infowars.com, breitbart.com/, Twitter, cable TV

He thinks Putin is NOT capable of directing hacks of Hillary and elections.

He thinks he can give away our state property to China as sign of strength.

He thinks he won the popular vote. He wasn’t even going to accept the outcome.

He thinks global warming is hoax. He is paying to keep his resort dry from ocean.

           

Even our generals are scared of his habits.

“Mr. Trump is a potential disaster as commander-in-chief—uninformed, volatile, poor judgment,” says Barry McCaffrey, a retired four-star Army officer. “What he is saying is not based on facts: it’s based on immaturity, bad judgment and ignorance, and I think it’s going to be hard for people in uniform who are thoughtful about this, to vote for him,” adds retired general Merrill McPeak.

He does not check rightwingwatch.org/ factcheck.org/ to verify the information used to rule us. We need China to loan us the money to survive so spiting in the eye is not good.

We are entering the Twilight Zone:

"There is a fifth dimension beyond that which is known to man. It is a dimension as vast as space and timeless as infinity. It is the middle ground between light and shadow, between science and superstition, and it lies between the pit of man's fears and the summit of his knowledge. It is an area which we call the Twilight Zone." 

Rod Serling

  

THE DON’S 282 PROMISES

Deportation, The Wall, Re-Create Jobs, NO Abortion, No ObamaCare, More Guns, No Muslems, Reprochmont with Russia, Christian nation, Jail Clinton, Kill Terrorists and Family, Torture, Cancel Iran deal, Cancel EU-NATO, Term limits, Replace VA head, Coal Steel Infrastructure, End drug monopolies, Tax imports esp Ford, Grow 6%, Cut Deficit, Separate banking speculation, Cancel Consumer Protection Act, Change libel law, outlaw flag burning, End own biz ties, End endless tweets, Cancel Fiduciary Rule, Wealthy tax break, No tax income <$50K, tax profits sent overseas, Change Washington, Change GOP, Change, Change, It was rigged! … so I would win! Red states limit Dem voting

Like mafia family, The Don has never had a boss, no corporate board to question his acts!

Remember, Don Trump is still a contractor from Queens NY

“Trust only family” “I'd love to have Jared helping us on deals with other nations and see if we can do peace in the Middle East” Ivanka met with Japan PM Abe already.

The Don Way: Making money from the Secret Service and Top Secret info for biz, an Audience with The Don costs $

The Trump Presidential Style

Tweets misinformation all night

Revenge for social slights

Not much reading

*

Actual outcomes: (“So much for draining the swamp” He filled it again)

Trump goes after Energy employees who support climate change policy. Pink slips?

            Scientists with data receive death threats from Trumpers

CIA says Putin helped The Don get elected and tampered with the process. Trumpers say VP Cheney’s CIA was wrong about Saddam too. McConnell sides with Putin vs CIA.

China, which pays for most of our debt spending, is not happy with Trump already. China stole our drone from intl waters and Trump told them to keep it before Jan 20.

Carrier paid with IN tax credits to keep HALF jobs in Indy and Trump takes credit

            IN spent $24 million to keep jobs but lost 3,800—companies reneged!

            700 laid off workers will not be able to buy ObamaCare -- so lose twice.

            Is this what Putin would do? Force/pay owners to keep workers working!

            Carrier union rep gets threatening phone calls—kids in danger from Trumpers?

            Carrier parent UT gets $ billions from jet engine contract from US too!

            Crony capitalism—Palin does not like govt supporting business. Socialism?

Dems won by 2.9 million: GOP barred voters by closing sites, Greens took Clinton votes WI, PA MI. Clinton received more votes than any other presidential candidate in history.

            Comey gets payback—House approves plans for a new FBI headquarters

The Don claims he won popular vote "if you deduct the millions of people who voted illegally", though he provided no evidence of widespread voter fraud. Recount is scam.

The Don disavows white supremacists as they give the Nazi Heil but may have one as advisor.

Don’s vigilantes attack non-whites: hate crimes up in NYC—Muslim cop assaulted. Muslim woman attacked as terrorist.

The Don thinks that maybe torture is not what the generals want.

The Don may believe in climate change by man but today it’s hoax like flat Earthers.

            House committee on NASA says it pushes propaganda. “From next year, entire U.S. government is going to be in the hands of people who really don’t believe in the 'man-made global warming' scare story." Miami flooded is illusion? Coast mayors act?

The Don will “replace” ObamaCare immediately with something “terrific” that is “so much better, so much better, so much better.” 20 million people use ObamaCare. So why do more Trumpers sign up for ObamaCare if it will be gone Jan 20? $75 a month? McConnell, Senate, said to start repealing ObamaCare on Jan. 3 even with no replacement in sight, declaring that “surely” the GOP revision will wind up covering Americans better than Obamacare. He did not say how he will cover the 25 million six percent who has none. (GOP has used “voucher” tax credits to say they can cover everyone in America but a voucher is not coverage and 47% of Americans don’t pay tax so tax credits are meaningless to them.) Sign up extended to 12/19 due to high demand

Trump paid back students at his Trumped up U. $25 million and still made money.

Trump has NOT sued any woman who claimed he handled her as he promised. All 13!

Deportations: “get the people that are criminal and have criminal records, gang members, drug dealers, where a lot of these people, probably 2 million, it could be even 3 million, we are getting them out of our country or we are going to incarcerate.”

A Wall would be ineffective: Tunnels go under The Wall

Ford’s factory better. Tax cuts for rich/corporations mean no money for the wall.

Trump tried a wall in Scotland and sent the bill but failed—they just don’t pay the bill.

Giuliani paid millions by Mexican politician running anti-Trump platform in 2018. Wow

NATO EU UN defunding: Weakening NATO, EU and UN ties is Putin’s goal in regaining Russia’s superpower status. The Don has been flattered by KGB: no friend.

End of Iran deal would be ‘folly’ according to CIA Brennan. “Disaster” for proliferation. Iran just bought 80 Boeing planes using our loans so nuclear deal will NOT be cancelled.

Tax cuts: Single parents and large family will pay more—1%ers get 13% tax cut. 100 top CEOs will have pensions equal to all retirement accounts of 41% of all our families. 100 have more than 116 million people in retirement, according to a new report. No middle.

GOP plan to tax imports means all working people will pay more for most things. 

No cuts to Social Security: Congress and Don’s lieutenants plan age change and cuts. 

Cut taxes so econ grows: wealthy get most breaks and buy art with windfall

Economy is doing fine without cuts: Obama economy created 178,000 jobs in November, and the unemployment rate fell to 4.6% from 4.9% in October. 10 million new jobs under Obama.

Stop corporations sending profits (UNTAXED) overseas.

Stop government subsidies (socialism) to oil, gas, agribusiness, drug corporations: Exxon as Sec State and GOP lobbyists make promise unlikely. TX cancels funding for Medicaid leaving thousands of poor women without care. Subsidies for oil remain.

Reinstatement of the Glass-Steagall to keep speculation from consumer banks.  

Trump kids become national security advisors—get top-secret clearance. Giuliani claims “they can’t work in the government because of the government rule against nepotism.” But they can use the information in Trump’s companies and insider trading. Conflicts of interest range from Wall Street to Philippines and India.

Trump promised not to run businesses but continues as producer of Celebrity Apprentice confirmed for 2017. He can’t live on $400,000 a year so will need to be supported by his sons, wife’s and daughter’s businesses. Day to day they run them anyway and he knows his brand will bet HUGE boost worldwide. Postpones news on how conflicts handled.

Stop flow of jobs out of US but corp welfare was paid

Ford will still build $2 billion factory in Mexico but does not send KY jobs there yet.

Ford still move making Focus from Michigan to Mexico to keep Focus cheap.

Fiat building new factory for Jeep Compass in Toluca Mexico. Labor is ½ price.

Carrier agreed to keep 700 jobs in Indy—not furnaces. Taxpayer incentives given.

Trump’s deal “saves” less than half of the total jobs, for a subsidy from IN. Jobs still go to Mexico.

The Don will NOT show his tax returns or his birth certificate. He does not pay taxes: he claimed he lost money.

The Don’s slogan “lock her up” was just B.S.—a $20 tote that isn’t even made here.

The Don’s claim NYTimes is “a joke” was just BS--“I will say, The Times is, it’s a great, great American jewel. A world jewel.”

Promised to stop tweeting so much. Tweeting almost as much.

Promised to act presidential. Stop attacking individuals. Attacked Carrier union rep.

Promised to give up business. Linked business in hidden ownership no accountability. Sons will keep businesses and still head Apprentice.

The Don’s big bluff: what will be done has changed every day since election.

Obama’s rule giving overtime pay to 4.2 million US workers blocked. Trumpers lose

Propaganda wins: 82% middle-school students could not distinguish between an ad labeled “sponsored content” and a real news story.

“I’m going to bring down drug prices. I don’t like what’s happened with drug prices.”

            TIME names The Don ‘person of the year.’

The Don promises more government spending. “Well sometimes you have to prime the pump. So sometimes in order to get the jobs going and the country going.” Congress?  

The Don’s budget guy will help Ryan cut our social programs:

Billionaire investor Carl Icahn, special advisor regulation, Icahn will kill "excessive regulation" on U.S. businesses. Icahn and Ross (Commerce) were the investors who saved The Don from embarrassing bankruptcy of the Taj. Payback time. 

Mick Mulvaney (R-S.C.), Management and Budget, signaling Trump’s intent to slash spending and address the deficit. He played a key role in the 2011 showdown between President Obama and House Republicans that ended in the passage of strict budget caps. He has been an advocate for spending cuts, often taking on his own party to push for more aggressive curbs to government spending, sometimes military. A member of the House Freedom Caucus, Mick led the fight to oust Speaker Boehner. Considered a hawk, he will make sure there are no compromises with Dems. He defends the cuts in Spanish.

Debra Wong Yang, chair Securities and Exchange Commission, the former top federal prosecutor for CA for Bush II, and wrote whitewash report on Christie’s involvement in BridgeGate.  

Tolerance is un-American now?

Even Genghis Khan, 1206, accepted Muslims fairly.

            The Don projects violence as any bully does and his followers feed on it.

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!

Baby teething toys marked as non-toxic actually are toxic: bisphenol-A

Hedge fund Platinum owners caught in $1 billion fraud on investors

3,000 communities with lead poisoning worse than Flint poison kids daily—Ignored

Pawnbrokers caught deceiving consumers about the actual costs of their loans

Olympus repeatedly invoked the 5th Amendment re: superbug outbreaks from its scope. 

Military Credit Services caught making loans with improper disclosures

Global Transition Solutions, Kirk, Place, Newtown Square, PA, caught stealing $13 millions

Morgan Stanley caught using customer cash improperly; not keeping high reserves.

New York’s pension fund manager caught accepting bribes from brokers for biz.

Ash Narayan, CA, caught stealing $33 million from athletes using religious message.

Charles Dushek, Capital Management Assoc, IL caught using scheme to defraud clients.

Fiat Chrysler recalls 50,000 Dodge Jeeep SUVs—engine stalls in traffic; not start

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.

Carl Icahn hired by The Don to let business pollute, destroy environment, make mess.

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?

Why police shoot those who don’t lie down immediately—dementia, mental illness, etc.

            Caller said ‘man with gun’ so shot man w/o gun 9 times! Nine!

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

Trumpers want police to start buying military weapons against civilians again.

SCAMS: Missed delivery email scam—don’t respond; don’t click link. Call carrier.

            Some cars are just not made well and will cause you pain

           

Ignoramus Award: Exxon has already helped Congress give Putin a free pass.

How our government wastes our money

Senate study finds drug companies overcharge for some drugs. Prices up 5000%. Bush II made deal to NOT negotiate drug prices for Medicare. Socialism for the rich.

USS Zumwalt, the stealth destroyer is a $7 billion bust. Propellers locked; towed away.

"America's Most Wasted” McCain: We wasted $12.4 billion littoral ships don’t work.

Where have all the jobs gone?

The kinds of jobs taken by automatons will no longer be just repetitive tasks because computers that can translate Chinese to English can find cancer in CT scans doctors can’t. “We’re not only talking about 3 ½ million truck drivers. We’re talking about inventory managers, economists, financial advisers, real estate agents.” 

10,000 workers GM temporarily close five factories January—glut of wrong kind of cars

Walgreens and Rite Aid will sell 865 stores to rival retailer Fred's

Who owns your account now?

Vanguard cuts fees again as investors flee remaining “high-cost” managers

Miracle: Pope calls Vatican bureaucracy “inspired by the devil.” Reform or quit! Promoting poor staff is a “cancer” on the Vatican. Read the Gospel to purify self.

Snow in the Sahara Desert!?

IAN

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