Opportunity Zone--Trump's own tax break

Are Opportunity Zone funds right for you?

The new GOP tax breaks to the wealthy provide them a way to eliminate some of their gains built up over the years. If they invest in infrastructure projects in areas designated by politicians for development, they can delay taxes and make a fortune. Real estate firms are starting Opportunity Zone funds so high-net-worth investors can co-own apartment buildings in cities like Detroit and reap unique tax benefits at the same time. This kind of investment is long-term and complicated. Even your attorney and accountant do not understand how these real estate deals will work out. Will the zoning go through local political boards? Will you have time to use the tax advantages promised? You might just consider this kind of investment only if you are in the same situation as the author—President Trump.

There are less risky ways to accomplish these goals: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Ops, did you make these mistakes in taking your RMD?

The penalty could be 50% of the amount not taken. The first required minimum distribution is difficult to calculate so ask your IRA trustee to do it. Set up direct deposit to your bank with the trustee so you won’t forget to take the money each year. Timing the first distribution incorrectly could bump you into the next tax bracket. The amount depends on one of two tables with another test. The amount is calculated from the total of ALL your IRA accounts. It might be smart to move all IRAs to one trustee. Roth 401ks require a distribution too but not for taxes. There are special rules for those still working at age 70 1/2. Converting an IRA to Roth does not change the RMD rules. Giving RMD for charitable deduction has rules too. Remember to tell the trustee which security to sell. RMD must be done for each spouse. Let the trustee help you.

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

Wharton School predicts SS benefits cut by 2032

U of Penn economists say Trump’s higher deficits will deplete SS trust fund faster than the SS trustees projected. Wharton projects “much larger future annual cash-flow shortfalls.” After Social Security was revamped in 1983, it was projected there would be adequate resources to pay benefits through 2058. However, many of the assumptions have been wrong. The Trustees project that the combined trust funds will be depleted in 2034. We don’t know if the Trump Grand Old Party will reverse the new tax cuts and stop the $1.3 Trillion spending. If you are under 50, you have 15 years before changes. Start your SS supplement now: $500 a month in index gets you $200,000 as supplement.

We need a supplemental income plan: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle/dp/1466394285

New way for the wealthy to avoid taxes

Pensions systems for doctors, lawyers, money managers and other highly-compensated business owners help them defer taxes on their pay until they can use a tax-advantaged shelter. Trump’s new 20% deduction law can be used by the wealthy when they put more into their pensions and thus reduce their current income. Thus they get around the income limits Congress created to bar them from this new tax break for owners of pass-through entities. So pensions become the new tax dodge. These defined-benefit pensions can shield more income than a 401(k) account or individual retirement account. Annual employee contributions are capped at $18,500 this year for 401(k)s and $5,500 for IRAs. Thus they get to take the 20% deduction while we can’t. So we must pay their taxes.

You can have a Trump tax shelter too: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

Is ‘return of premium’ term life insurance right for you?

The HOOK: If you don’t die you get a nice nest-egg of savings. Your premiums ‘usually’ will be returned to you at the end of the term. It sounds like ‘renting’ coverage for FREE. Except it isn’t. The sellers do not explain that ROP costs more—about 30-40% more and that you are not guaranteed to get all your premium returned after 20 or 30 years. In fact many buyers just stop paying premium for different reasons and don’t get their premium back. Agents push hard for riders—disability, accidental and otherwise. However, if you are in good health, your extra premium earns more in a real investment. Life insurance used to be sold as an investment before mutual funds were made more available with better returns. However, for wage earners without a savings instinct, life insurance policies force us to save something.

https://www.amazon.com/Life-Insurance-Need-Save-right/dp/1480002178

Is your advisor a CFT?

That is Certified Financial Therapist. Since our emotions are heavily tied up with our money attitudes, CFTs may have tools to help clients develop positive financial behaviors through practical simple steps. Many people need help coping with money issues—couple sharing financial data, fair settlement in divorce, gambling and abuse of money resources to name a few. Financial planners can become more finessed and have greater long-term success with their clients. Certainly there are many couples who could find support in discussing these matters. Right now we might have to ask an advisor or planner to share their personal history to find out if they have the experience to help us with financial/emotional issues that damage our future. Most clergy have trouble dealing with these issues because they have no financial or psychology training.

Learn more: https://www.amazon.com/Marriage-Money-Book-Start-Together/dp/1517572525

Aretha leaves no will for directing $80 millions

Her sons will have to pay lawyers $ millions and the tax up to 50% with no planning. Many people think, “If I do it, I’m going to die the next day,” one lawyer said, or they plan to get around to writing a will but never do. Like Prince, Sony Bono, Pablo Picasso, Jimi Hendrix and Howard Hughes, Aretha had no will and no estate planning documents. Her four sons must go to court again and again to find a settlement. Without any planning, the federal and state estate tax will take up to 50% of their $80 million inheritance.

What is your excuse?: https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

Discrimination is now called ‘religious freedom’

Trump has changed the regulations about discrimination by contractors. As long as you claim it is your religion that ‘impels’ you to refuse someone service, your not discriminating. Trump implies that Christianity is under siege. They [Labor Dept] must respect the right of “religious people and institutions . . . to practice their faith without fear of discrimination or retaliation by the Federal Government.”

They cannot “condition the availability of [opportunities] upon a recipient’s willingness to surrender his [or her] religiously impelled status.” Trump has changed the regulation so that it is assumed a contractor has ‘surrendered’ their beliefs to offer a service paid for by the govt. This regulation expands the scope of federal contractors that are exempt from the prohibition on discrimination against employees and applicants based on sexual orientation and gender identity, and LGBTQ advocacy organizations have criticized the directive as a “license to discriminate.” This started when Hobby Lobby told the Supremes the store would NOT provide “preventive care and screenings” for women ...” Other employers provided this health care necessity because it was the law. No longer.

Soon employers can decide not to cover cancer because cancer is ‘god’s will.’

Is it time to move your money from losing stock-pickers and FREE trade deals?

Another year of poor performance? A market index returned over 14%; 13% over 5 years. Only 36% of stock-picking managers survived or outperformed their average passive peer over the past 12 months, according to Morningstar data. Every brokerage in town is offering you the chance to trade all day every day for FREE. However, if the folks with $ millions of research can’t beat the index, why do you think you can? You would have to be right every year! Your chances of picking the right stock is 1 in 19,000 EVERY year. Good luck on your picks. Vanguard’s 500 Index gave you 11% since 1976. Warren Buffett says you only need 2 funds.

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

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

Make America, “The Don”, Great Again

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

Conspiracy against the United States, conspiracy to launder money, conspiracy to receive Emoluments from foreign states, false statements, subverting constitutional tax power, obstructing justice, failure to secure voting systems from attacks, and Foundation self-dealing.

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

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

GOP can only win by manipulating voting districts and they brag about it!

Trump’s coal company deal for profits—costs 1,400 Americans lives. 

Trump’s EPA allows pesticide in General Mills granola as long as it changes name.

SCAMS/SPINS:

Hector May Securities America stole $millions from pensions with Ponzi

Interactive Brokers violated short-sale rule and failed to supervise/correct same.

Eric Lesak and Global Research PA caught penny stock fraud cold calling.

Caleb R. Overton Biltmore caught misleading clients; risky option trades; lost $

GOP Rep Hunter blames wife for his illegal spending! And he’s a marine!

House alarm system SCAM: “The police use our system.”

Insurance co-pay $285 for 90-day supply: $40 without insurance. We are being robbed.

Trump’s lawyer: ‘Truth isn’t truth’ so only what Trump says is truth, is truth. Putin won!

Trump says his mob did not break the law: His law is the only true law—tyranny!

Intelligence VIP: “It would be an honor” to be revoked by you, Mr Trump. Integrity!

Brennan: Trump activity traitorous – Obama CIA chief says Trump dangerous.

Trump got his money from laundry service: sale of 1300 condos to Russian mob fronts.

               More laundry: Toronto, SoHo, Tower

Sessions to Trump: F--- off. True crime is true crime and criminals go to jail.

When we all have guns for ‘protection,’ who will police shoot first? Safe in your home?

               police shoot owner who already shot intruder. All kids have plastic killer guns?

Jobs:

Student loan payoff added to new benefits to entice new recruits at some companies.

NO jobs: Trump’s tax breaks for companies goes to owners’ stock buyback of $1Trillion

Name your price: Artificial Intelligence and machine learning pay big bucks

Who owns your account now?

IRS gives advice on protecting your account passwords.

Home values in flood zones may mean the bank will eventually own your home.

Giving your house title to your kids to get on Medicaid is NOT a solution.

Doing a leased car the right way. https://www.bankrate.com/loans/auto-loans/tips-on-buying-your-leased-car

Miracle:

Mom/officer shares her love to those who need it.

How so many souls were touched by Aretha was a miracle.

kids 3 & 1 yrs old survive car crash after days in overturned car alone. Seat belts?

So this is how it all started—mom and dad from different branches

IAN

41 Watchung Plaza, B242

Montclair ,  NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alert

Just one way to avoid paying the corporate and wealthy tax cuts

There is just one way left for us to avoid paying for corporate and wealthy tax breaks

The GOP has just one ‘corporate subsidy’ repeal in the ‘reform’ bill—“marginal oil and gas wells.” All significant corporate and tax shelters were left in tact. Trump’s mob, Commerce Sec Ross, State Dept. Tillerson, advisor Cohn, Treasury Mnuchin, Fed v-chair Quarles, and Ambassador Jon Huntsman hide their money in various shelters under fake firms/names. The new report says they hide their money in the Cayman Islands. Apple hides its money in the tiny island of Jersey. What can we do to avoid paying for these subsidies and business tax credits? You and I do NOT have to hide our money in a foreign country. We do NOT have to hire a lawyer to create fake firms and names. You and I have a legal tax shelter here with an IRS Sec. 408 Trust.

Avoid paying for their tax breaks with your legal tax shelter: https://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

“Do I still need my life insurance”?

Recently, a 50 year old friend asked if he needed to continue his and his wife coverage. Right now there is a sale on term life insurance for any age—at age 50, you can buy $½ million for about $1 a day. Term life is for set period for set amount with no savings portion. It is pure death insurance for those you want to protect. My friend was given term insurance as part of his work benefits but his wife was doing free lance. At this stage of their retirement accounts, they were more than covered by their savings/investments so that if something happened tomorrow each would NOT NEED life insurance. Pure life insurance is to protect your loved ones BEFORE you have the assets to live on. If you need coverage because you don’t have $½ million to live one for the rest of your life, avoid any policy with savings portion. There are less expensive alternatives for a ‘cash value’ account. He decided to drop the policies. Term gets expensive after age 50 so if you need it, buy a 10-year term by age 50 from a discount carrier.

Get discount term: https://www.amazon.com/Life-Insurance-Need-It-Save-right-one/dp/1480002178

Why does Trump’s wealthy class want to get rid of the estate tax?

You and I are not going to pay this tax since it starts at about $11 million. Most wealthy farmers have figured out how to pay the tax if they are soil rich and cash poor. The reason we have this tax is so America doesn’t end up like the aristocrats in medieval Europe. Can you see Ivanka, Jr and Eric with even more wealth? Why is the GOP giving 5,500 wealthy people’s heirs a huge tax break? Are these 5,500 the big GOP donors? Yes, like Trump’s kids, they are already wealthy and don’t need the money. Trump saves his own estate $564 million in tax—enough to cover his FL and NJ golf trips for 4 years if he had to pay for them instead of us. We need the money worse than they do.

Avoid taxes like the Trump mob: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

Is your advisor’s ‘model portfolio’ right for you?

With the proliferation of ‘model portfolio’ platforms, investment management is increasingly automated, ubiquitous, and not at all your financial advisor’s job. At least 74 percent of advisors use models: either models created in-house by the advisor themselves or by an in-house investment team, or outsourced to asset managers and strategists, according to Cerulli Associates. So your ‘personal’ specially-designed ‘choice’ of securities could be a robo-advisor churned out by a third party you don’t even know about. And for this, you are paying an extra fee. Over time, very few advisors, human or electronic can outperform the index simply because of costs. But you pay the fees for quick answers, timely contacts, and good advice. You understand that no portfolio can beat the index most of the time. But wait, most investors don’t need a full-service broker or advisor. They need someone to affirm their decisions or answer questions quickly. For instance, Vanguard Personal Advisor Services costs only 0.30% of your assets—about a third of the industry's cost of 0.99%--you keep more and get only what you need.

Now there is a better way: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

GOP repealed NONE of the 1,833 business subsidies but 32 of our deductions

Subsidies and loopholes and foreign cash reserves we still pay for in the new tax code were NOT repealed. 1,833 large companies have received federal grants and/or tax credits worth $17.8 Trillion. Are these the same firms that pay for our 534 Congress’s elections and kids’ college educations? 268 are already millionaires. Why is the GOP giving 5,500 wealthy people’s heirs a huge tax break? Are these 5,500 the big GOP donors? Yes, like Trump’s kids, they are already wealthy and don’t need the money. Trump saves his own estate $564 million in tax—enough to cover his FL and NJ golf trips for 4 years we now pay for. We need the money worse than they do. Each missile Trump fired on Syria’s airport to scare them costs us $1 million. The extra cost of just 3 new destroyers is $450 million. Total is $12 Billion and counting since they are still trying to make them work. Instead of giving our money to firms and people that are already making money, we could pay down the debt, which used to worry GOP.

Use your legal tax shelter: https://www.amazon.com/Your-Tax-FREE-Account-IRS-approved-shelter/dp/153735292X

ONE THIRD of us will have higher taxes in 10 years to cover this ‘tax cut’

The Tax Policy Center ran the numbers. By 2027, 31% of middle-class filers would see tax hikes. Repealing the Alt. Minimum Tax created by GOP so the rich pay something means the burden will shift to those making between $48,600 and $86,100. GOP has rigged the tax ‘reform’ to trick us into giving them HUGE extra money for their tax shelters. GOP budget has big cuts in funding for Medicare and Medicaid in our future. Hidden in the budget they just passed are cuts of $4 Trillion in spending including nearly $500 billion in cuts to Medicare and $1 trillion to Medicaid. This means that in a few years, you and I will need to pay more for a relatives’ nursing home and our own health care. Plus our taxes go back up. You and I need a tax shelter like the Trump class.    

Avoid Trump tax: https://www.amazon.com/Only-little-people-pay-taxes/dp/1478222441

Best first car for reliable transport

When your teen needs a car to get around, what are the best choices? Where do they look? How much should they spend? $5000 can put them in a safe Honda Civic or Toyota Celica. $6000 can buy a truck like the Toyota Tacoma. Quality and later models cost a little more but may be worth it. We can still find a baby Lexus IS300. Chevy Equinox leads the list of SUV capacity carriers. Teens pay less using your insurance. Shop to avoid high premiums: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Wealthy have already got a way to beat the new tax law

Changes in the tax code will RAISE taxes for some middle-income families. Property tax and mortgage interest are no longer deductible, thus increasing their taxable income. However, as always the wealthy remain wealthy by avoiding taxes. They have found a “workaround for a tax-plan provision under consideration in Congress that would take away the mortgage-interest deduction.” They will turn their extra property into an investment property so that the expenses are deductible. The high property tax and interest will offset any income so they will pay no more in income taxes.

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

Where is the best place for your retirement money now?

If the tax cut bill does not pass this year, the market may drop. Where should your money be now so that you weather the fall and bounce back—gold, cash? Based on the experience of the decline in 2007-8, withdrawing retirement money from the market gave you a permanent loss. If you went to gold, you were up 47% but if you had left money in the market from 2007 to 2016 your money has doubled, earning 8.76% per annum. If you were out, you missed 27% and 32% jumps. That is the trouble with taking advice from ‘professionals’, they don’t know. Let it ride.

Let your money do the work: https://www.amazon.com/Go-Tax-FREE-Investing-Income-Forever/dp/1482633280

GOP favor insurers going back to “junk” insurance for us. Congress could negotiate lower drug and hospital costs but lobbyists won’t let them. Instead they fear losing their donors. Funny, they get to keep their full quality coverage. It’s ObamaCare.  

Avoid junk using a better plan: https://www.healthcare.gov/

Self-dealing is OK with GOP

Trump's repeal of the Alternative Minimum Tax is the best part of his ‘reform’ because it once cost the president $31 million.  It accounted for most of the $38.5 million in taxes Trump paid that year. With the estate tax repealed, Trump's estate saves $564 million based on an estimated net worth of $3 billion. No wonder Ivanka is stumping for it. Billionaires don’t pay the top bracket of 39.6%. Billionaires like Trump who DO NOT live on their dividends and capital gains taxed @15% (avoiding Income tax) can use the new Trump business ‘pass-thru’ tax of 25%. Since Nixon’s Alternative Minimum Tax is to be repealed, this will be the tax of choice for many high income executives. Nixon, an old republican, thought that the rich should NOT avoid all taxes with deductions and tax credits. Wall-Street class’s will get a WindFall and NOT pay the 39.6% rate. Most of Trump’s class used to have to pay something because of the alt minimum tax. The AMT was one of few ways Trump had to pay $31 million in taxes one year. Many corporations don’t pay tax at all but they will continue to pay for our ‘reps’ to hide subsidies and loopholes that were NOT eliminated. Only 1 subsidy was repealed—small oil and gas wells. All the rest of the thousands of corporate ‘welfare’ payments or tax credits will be paid as usual. A Spanish firm got $2 billion of the $17.8 Trillion total. And guess who has money in the 1,833 ‘welfare’ recipients? Right, Congress’s donors.

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

Trump and GOP are promising higher wages from corporate tax cut

“The hourly wages of high-wage workers rose 41 percent in the 34-year period between 1979 and 2013; the hourly wages of middle-wage workers grew 6 percent in that time frame, and the wages of low-wage workers fell 5 percent” according to the Economic Policy Institute. We did NOT see a bump in wages when Bush II cut taxes. Why would a company use its added cash to pay us more when we have been taking less since the 70s? They don’t use their subsidies to pay more wages, why would they use cash? Wouldn’t you keep it in a shelter or pay your own executives and investors more if you were in charge? Since the firms have money why would they invest the cuts in new operations? They haven’t and won’t. Fed revenue from corporate taxes has fallen while our taxes for Social Security and Medicare have ballooned. Our taxes are low compared to the world.

NO Don, this is NOT a middle class tax cut: https://www.amazon.com/Only-little-people-pay-taxes/dp/1478222441

What made Fidelity investment accounts successful?

Fidelity found that account holders that did NOT 'manage' their accounts or died were the most successful. Think about that! You can earn more in your investment account by NOT touching your money. When you let someone 'manage' your money they tend to waste it and then charge you a fee to boot. It Just Takes Time shows us why ‘buy and hold’ stock funds win. Warren Buffett's teacher, Benjamin Graham, once said: “Buy stocks like you buy groceries not perfume.” Don't buy the stocks that the Wall Street media or your advisor tells you to buy. Buy those that are the most profitable firms worldwide. Just buy low-cost stock market index funds and keep buying. You don’t have to pick the right stock. And you don’t have to do a thing to get rich: It Just Takes Time.

Try Buffett’s strategy: https://www.amazon.com/Just-Takes-Time-money-old-fashioned-ebook/dp/B07751F8N2

Ebook or paperback: https://www.amazon.com/Just-Takes-Time-money-old-fashioned/dp/1979380945

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

TrumpWorld

Trump’s money launderer manager indicted on 12 counts: conspiracy against US.

Trump’s RNC is paying for the legal costs—why?  Manafort has $18 mil from USSR

Trump Jr, Jared and Flynn next for indictments?: 'If We Come to Power' deal

The Don is now blaming Jared, real estate agent, for bad advice about FBI. Under bus?

Trump campaign aide pleads guilty to lying to the FBI about Russia contacts

Trump campaign execs met with Russians 30 times and denied any contact.

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

Trump to Fox News' Laura Ingraham: 'I'm the only one that matters'

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

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

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

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

Jared deal with Evraz’s owner links to Russia steel pipe in KeystoneXL/Cheniere

Jared’s real estate investor Milner: front man for Putin bank funded Facebook Twitter

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

Undisclosed $26 million loan from Russian to Trump campaign manager Paul Manafort.

Mob doesn’t call the FBI when Jr doing an illegal deal with fellow mobsters. Receiving stuff from ‘foreign power’ during campaign is illegal—even for idiots and morons.

Trump campaign asked Wiki to get Hillary emails from Putin hackers: smoking gun?

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

Putin using Twitter now with fake followers for Trump mob—how great impact?

Trumpers colluded with Russia by pushing their propaganda as if it was own tweet.

Putin hired activists to stage demonstrations and promote divisive content. 

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

Trump Calls on the FBI to ‘Go After’ His Enemies (for Things That Aren’t Crimes)

“No Russia connection” but Jared and Ross in with Russian mob laundering biz

Jared uses Russian money for projects and Russian cutout buys Facebook Twitter stock

ObamaCare ‘collapsing’ but 600,000 more signed up in four days 2017: Mandate works!

Russia agent met with so many Trumpers the list is so long to name them all.

Trump on tax: “The deal is so bad for rich people, I had to throw in the estate tax just to give them something.” But 80% of cuts go 1% and estate tax repeal only helps 5,500.

Wealthy do not create growth or wage hikes; money is sent to tax shelters/foreign corps.

Trump mob are all connected to Russia with money using different links.

Despite Trump and Gov Scott denials, Miami is building against global warming.

My Theory on Trump/Putin ‘love’:

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

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

Trump uses taxpayer lawyers to protect his personal profits from foreign countries

Tax reform saves the president $31 million.  It accounted for most of the $38.5 million in taxes Trump paid that year. With the estate tax repealed, Trump's estate saves $564 million based on an estimated net worth of $3 billion, as Bloomberg reported last year.

Trump hires only foreign workers  to save expenses despite “hire American” lecture

GOP gives Trump’s golf business special loophole for $600 million over a decade.

Dictator talk time:

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

Trump ‘believes’ Putin re: manipulation of election; not believe our CIA, FBI, NSA

Trump wants the FBI Justice Dept to be his personal police and prosecutor for enemies

Trump to Fox News' Laura Ingraham: 'I'm the only one that matters'

GOP lost moral way: 50 religionists say Moore is “defender of the sanctity of marriage.”

“The reason our stock market is so successful is because of me,” Trump claims.

The Don is moving us to a dictatorship where the only people who go to jail are his enemies and non whites he does not like. Racists and nationalists get pardons. If Flynn Page and Manafort get indicted by Mueller, The Don will just give them a “get out of jail free” card so they don’t rat him out. He is also paying their lawyers to keep quiet.

Energized voices demand leader who can make America applaud white men like 1950s

Avoid the Russian/Trump propaganda—quit Fox, Facebook and Twitter now

Trump has transformed opinion into fact and fact into enemy propaganda. Scam War

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

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

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

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

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

Quid pro quo: "something for something."

GOP accepts child molester “not generally” into senate to pass something; anything now

50 religionists claim Moore is “defender of the sanctity of marriage” and religious liberty.

Sex with teen girls is accepted practice in AL: Moore known as Mall predator in county.

Trump puts tax-dodging attorney at IRS to give election donors a break on audits.

First job: build a safe in vault to hold Trump’s tax returns; cost $15,000

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

Why should a 14 year old be shooting defenseless animals? Useful in her life? Fun?

“NO reason for civilians to own AR” automatic rifle to kill 26 people in seconds. 

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

Most Americans want Obama back now.  He did things we needed done.

We have given The Don time to act like president: Time to Impeach for obstructing FBI investigation of our enemy disrupting our election process.

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

Even the Bush presidents do NOT vote Trump’s GOP. TX angry about Trump.

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

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

Trump OKd Keystone pipeline and it already leaked into the water supply.

Trump gets to turn our Top consumer protection into scam enablers.

Navnoor Kang caught taking bribes to steer NY pension money to gifting brokers.

Christie did the same but never got caught since he was just ‘paying back’ his donors.

Tax dodgers need never worry: Trump gives IRS to Tax-Dodging Expert

Importing trophies from elephant hunts in Africa are now OK; killings continue.

AL won’t investigate pedophile Moore since he is their Senator of choice

Hank Mark Werner, NY caught plundering elderly and blind with annuity and trading.

Your air bag recalled: another round of bad bags from TaKata

Jay Costa Kelter, GA, caught stealing from clients by misrepresenting investments

Trump has suspended our right to bring class action lawsuits against our advisors/banks.

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

Trump says he believes Putin did NOT help him win 2016: Proving ‘moron’ again!

Fox Smith gives facts on Clinton Uranium and gets hate mail: Trump repeats lies.

How Govt wastes our money:

Trump puts tax-dodging attorney at IRS to let friends and family avoid taxes

GOP gives rich tax break but ends subsidy so we can’t get health care: HealthCare.gov

We paid $15 million to settle 260 cases of sexual harassment by Congress in 20 years.

SCAMS:

“God only knows what it's doing to our children's brains,” Sean Parker, Facebook prez.

PYRAMID SCHEME LAWSUIT AGAINST JEUNESSE SEEKS $1 BILLION

Jobs:

$20 hr call center agent: answer calls to AAA, Home Depot from home

Who owns your account now?

No penalty CD paying 1.55% at online only bank https://bankoncit.com/no-penalty-cd-17

Miracle:

Women intimidated years ago have courage to come out now and take abuse all over again from their community, state.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alert

Is your employer robbing you of your retirement money?

Is your employer robbing you of your retirement money?

More large employers (who don’t need the money) are taking your future nest egg assets.

Employees of New York Life are suing for all the extra fees they were charged by their employer’s mutual fund options. Employers are supposed to do the right thing in picking your nest egg options. New York Life’s own index fund charged 35 basis points. That is seven times what Vanguard charges for the same securities. That is pure profit to NY Life since they own this plan’s option. NY Life claims they paid a consultant for the plan options. In other suits, employers were taking kickbacks from the plan administrators. Employers should act as fiduciaries and use only the best options for employees.

Stop being robbed—use your own tax-FREE account: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

How much does it cost for a $1 million retirement?

Most of us have no idea. Half of all Americans will not be able to live on Social Security and their savings. Yet, if we knew that we could guarantee we would have enough, would we do what is necessary with our current wages? What we don’t know that wealthy people know is that TIME is the key to converting our current spending into a million dollar nest egg. Most of us don’t shop to save on mutual funds or insurance so we pay too much to middle people. Our fees reduce the amount we could have by 63%. Instead of having $250,000, we end up with $100,000. We end up with $500 a month instead of $1,000 a month in retirement. All we need are the Tricks that savvy savers use for $1 mil.  

https://www.amazon.com/Tricks-Trade-Save-on-Mutual-Insurance-Annuities/dp/1535497289

Are you getting shortchanged on your benefits?

Income inequality grows from your benefits package too. If the rich get richer, one way is they have better insurance, heftier 401(k) plans, and a sturdier all-around benefits package. And the trend is making America's already wide income gap even worse. Employers spend a median of 38 cents of each compensation dollar on benefits, according to a Pew study. And as compensation goes up, so do benefits. For every additional dollar of average hourly pay an employee gets, Pew finds, employers spend an additional 67 cents on benefits. Workers with smaller paychecks, who can't afford to pay out of pocket for things like extra health care expenses and child care, get less support from their employers to meet those very needs. Many benefits come in the form of non taxable income. As benefits make up a bigger chunk of compensation, this further advantages those in a higher tax bracket. Tax payers subsidize the non taxable benefits.

Avoid subsidizing the executives: https://www.amazon.com/Tax-FREE-Millionaire-refunds-built-tax-FREE/dp/1482593289

Why your car or home insurance is NOT renewed

After you make a legitimate claim, your policy is not renewed. It happens often and for good reason. Insurers don’t like to pay claims even for legacy customers and for legitimate claims. They price for once-in-a-lifetime catastrophic loss not frequent dings. A property damage claim means that you are not maintaining properly and will have another claim. Jewels can’t be stolen or lost if they are in a bank vault. Two events mean you are careless and will have another claim to them. This pattern is a risk that cuts insurer’s profits. Insurers take on risk based on numbers. Size and number of claims that do not fit their profile are jettisoned. It is not personal for them. The fact that you paid for 25 years has no bearing because the numbers are done each year. If all your policies are with one company, all your claims count against you. All insurers share records on CLUE so it may be difficult to re-insure. Insurers underwrite for different risk and marketing strategies over time so you must shop around just like you do for a HDTV.

Find the right coverage for you: https://www.amazon.com/Homeowners-Insurance-Beware-Coverage-Policy/dp/1480100870

Estate planning made simple

You have a sizable IRA. You want to leave it to heirs tax-FREE. You can pay for a trust but the trust pays taxes at over 39% on income over $12,400. If you make the trust your beneficiary, that is a big bite. The best option is to convert parts of your IRA to a Roth. You may convert portions of your IRA strategically over time by "filling up" lower marginal tax brackets with Roth conversion dollars. Then each year in post-70.5-retirement, take out more than your RMD, pay tax and reinvest it in a Roth IRA if you are still working. Otherwise, reinvest in a taxable account with growth stocks NOT BONDS. Growth stocks or growth stock funds pay little current interest/gains so taxes will be minor. You may have to pay tax on SS benefits and pensions so your tax bill must be managed.

At death, your Roth IRA is tax-FREE forever. The taxable account moves to your heirs on a stepped up basis. At your death, the balance is tax-FREE. As their taxable account grows, only the gains above that amount are taxable at capital gains rates. Leaving an IRA, 401K, or annuity are taxable at the heir’s income tax rate!

Keep your estate Tax-FREE to heirs:  https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

Trump tax plan: tax cut for the very wealthy

Since we have a deficit and Trump has promised to cut taxes for the wealthy and corporations, where will the revenue come from except from us. GOP leaders have hinted that a “consumption” tax may be used. Everything we buy will have an extra tax. This is called a “value added tax” VAT in Europe. It is a national sales tax. Some call it a flat tax. Some claim it will increase growth because wealthy people will invest and build more business with their extra money. Others say that the wealthy already pay less (17%) than the flat tax with the subsidies Congress gives. They have already invested their excess cash overseas where labor costs are a tenth of ours. Fiat Chrysler moves car making to Mexico Canada but our tax subsidies of $2 billion continue for Fiat. Most agree that the biggest tax cuts are reserved for the wealthiest. Trump will eliminate the estate tax (which currently applies to only about 5,300 of the richest families) and scrap the alternative minimum tax, which is avoided by most wealthy people.

Stop subsidizing America’s tax avoiders: https://www.amazon.com/Americas-Socialism-for-Rich-little-people-pay/dp/1535218584

Can Don really bring good-paying jobs back to US?

One of the GOP’s major promises for 2016 is bring back factory employment from overseas. "I will bring jobs back from China. I will bring jobs back from Japan. I will bring jobs back from Mexico," he said. "I'm going to bring jobs back and I'll start bringing them back very fast." “I will be the greatest jobs president.” But during the last 3 years of Wal-Mart’s effort to create 250,000 factory jobs, it has hit two walls. Wages in China allow US makers to do more with less. Even when employees here reengineer to cut costs, the automation raises productivity with much few employees. Employers would more likely take a one-time automation cost than hire more people even at $7 or $9 an hour. Wal-Mart has created 7,000 jobs—a tiny fraction of the 5 million lost since 2000. Don must go against the trends of automation and lower wages. His record in his own industry (casino, golf, hotel) has been dismal. He is better at avoiding taxes.

Join Don in doing what he does best: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

GOP ‘religious freedom’ (for certain people)

PayPal founder got a cheer for being gay but the GOP law in many states says NO NO!

Congress may legalize discrimination against gays despite Convention cheers. GOP thinks the "First Amendment Defense Act" will protect the rights of religious institutions/people since same-sex marriage was legalized. But hate gay law is already in many states like Pence’s IN. “In most states, you can get married on Saturday, post photos of your wedding to Facebook on Sunday and then get fired or kicked out of your apartment on Monday just because you’re gay.” Trump said he will protect gays at his convention but he does not control GOP Congress nor the state lawyers.

The law allows anyone to claim ‘religious belief’ as excuse to bar people on the basis of any sex act OUTSIDE of traditional marriage. Violates our civil rights.   

GOP tax cut experiment failed – credit ratings fall twice

KS has given its wealthy a big tax break and now the state credit rating has dropped twice. Borrowing costs for state projects will rise. KS is now in the KY, IL and NJ class—no cash reserves. Kansas can’t balance its budget because GOP Sam Brownback lead GOP-Legislature gave tax breaks to the wealthy in 2012-13. The GOP myth is that the wealthy will create work and revenue. Instead they send their money elsewhere. Largest employer Koch expands in other states and countries. Koch spends $ billions to cut taxes nationally. All schools, infrastructure, and state pensions are degraded. "It's just the fundamental, ongoing budget crisis that's been caused by Sam Brownback's failed tax experiment," said state Senate Minority Leader. CA has raised taxes and funded all projects plus emergencies. Trump promises to work the KS ‘miracle’ for all states.

Avoid his $10.2 trillion deficit:  https://www.amazon.com/How-Retire-Tax-FREE-Income-increases/dp/1484156951

Trump children in charge of the nation?

Trump wants to fire all Obama-era workers. Will the Trump kids run State, Medicare, ICE, FBI, and Treasury? Who will run TrumpCare? Can Pence really fix the economy like he did Indiana or did Obama’s policies? Can Congress pass all those bills—closing environment, education, health, oil gas water electric regulation, and taxation as we know it? They only work 111 days per year. Who will tend the golf courses and T product sales and rental buildings if Trump kids run the nation? Trump says only he makes the decisions.

Petty dictators are all alike. Opponents are criminals, public show trials, mobs shouting “lock her up”, other reckless vows. Convention was not GOP: ‘Trump Family’ branding: “I am the only one who can save you from violence” “I can fix everything” once you give me the power. Alpha and Omega incarnate.

Trump’s banana republic? https://www.amazon.com/Evita-Antonio-Banderas/dp/6304806418

Which candidate is the better liar? Presidents must lie to keep power.

It is good to know that both parties act as juvenile petty-power cliques.

Don:    Ambassador J. Christopher Stevens’s mother asked me to stop using his name

            Dad and I were not racists: Justice didn’t have a case but we settle anyway.

            Bachmann thinks I “recognized the humbleness that he had.” Otherworldly! Especially when I said “I alone can fix it.” Where are these people?

            Did Putin really help me with the emails? Putin expects intelligence reports?

            I may support KKK Duke for senate.  I support Russian hackers on Hillary.

            My wife Melania didn’t lie about having a college degree. Her site got it wrong.

Hill:    I could have won without the DNC back-room dirty-tricks group

Mike:   I may skip Koch anarchist meeting—I know how they plan to end gov. already.

Tim:    I’m here to seal the Hispanic, white, male, religious, moderate, southern vote.  

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!

.Olympus scope-maker caught NOT informing US hospitals about bacteria kills 35

.Tesla factory covered with photocells of the future—less oil, gas used

.Gun sales up 40% since Orlando—AR 47 with armor piercing ammo is top gun $780

.TX now lets its students carry a hidden gun on campus, in dorm, classroom, anywhere

.With email and voicemail being hacked, maybe sealed first class mail is not so bad.

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

When everyone has guns; your chance of being killed goes up. Police want gun control. They don’t know who to shoot. Shot a psych worker with his hands up while on ground. 

SCAMS

Pretty face cars that just don’t measure up: 10 that give you heartburn

GOP voters are actually looking up ‘Trumpence’ in the Bible. It is ‘diabolos’ in NT.

Ignoramus Award: man pulled gun on a little boy who was kicking seat at "Star Trek"

How our government wastes our money

Throw money at unknown unknowns https://www.youtube.com/watch?v=GiPe1OiKQuk

New Ford carrier does not work after $13B and 3 yr delay. S. Koreans should buy own.

Reagan assassin released from mental hospital: 35 years of therapy costing $ millions.

Who owns your account now?

MetLife insurance and annuities to Brighthouse Financial, Charlotte, NC

Gerstein Fisher to People's United Bank

“Do You YAHOO” to Verizon

Fiat Chrysler moves car making to Mexico/Canada Subsidies of $2 billion continue

FIOS down for 2 days

IAN

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