GOP to give our Medicare money to corporate lay offs

GOP gives corporate job off-shoring a boost using our Medicare money!

Secret TTP trade deal includes making Medicare pay for workers laid off from jobs sent to Asia. GOP will take money for dialysis and doctors instead of corporations paying for retraining. Yet Medicare cannot negotiate drug prices even though HALF new drugs come from government research grants. Drug makers spend 19 times amount on marketing than research.  Bush gave drug firms price monopoly!

GOP plan to take our Medicare money for corporate layoffs. GOP plan is more SOCIALIST than Europe government’s. Europe pays 40% less for drugs!

Free market capitalism used to mean you can negotiate the price.

Is a pension buy-out right for you?

In the past two years, the corporate pension buy-out market has surged with more than $49 billion in transactions, and that trend should continue unabated as large employers try to shift pensions off their books. If you take the lump-sum, will you spend it or will you maximize it? Advisors/brokers can take a substantial portion of your nest egg potential over time. A 2% fee can rob you of 63% of your long-term accumulation leaving you much worse off than if you had just left your pension alone.

Maximize your pension using the Buffett strategy: $40,000 not $20,000 a year: https://youtu.be/dZL_nV-Gh-s

Women are better investors than men

Our hero of working women is Anne Scheiber. She fired her broker and turned $5,000 into $22 million with PATIENCE. Simply buying and holding the stocks of growing companies, we see the miracle of compounding in the accumulation of Anne Scheiber.

http://www.amazon.com/Beat-Wall-Street-PATIENCE-Investing/dp/1514171074

To beat Wall Street, all you need is PATIENCE

"The stock market is a device for transferring money from the impatient to the patient." Warren Buffett
 http://www.amazon.com/Beat-Wall-Street-PATIENCE-Investing-ebook/dp/B00YSH0BQY

DEM crazies

IA voters flock to Bernie. He has no chance—NO BiG money—but middle-class looking for a change from GOP plans to cut SS and wage war. He wants to fix our roads, bridges, buildings and create 13 million jobs!

Millionaire Congress will never allow it—crazy Bernie!

Medicare offering our data to private firms—without charge?

The Centers for Medicare and Medicaid Services will make its data available to the private sector for the first time, the agency’s acting administrator announced Tuesday. CMS noted that the data would not permit identification of patients, but would provide the identity of providers of care. “Two million people account for half of costs of the Medicare program. Often basic barriers – housing, nutrition, transportation, child care – combine” to impact health. CMS said the health care system needs “better support information, better insight …. to enable this change.” Firms can make a killing on data.

GOP crazies

GOP # 19—Lindsey wants to cut SS benefits so we can go to war again. How normal!

Ted Cruz (R-Texas) made a crass joke about Vice President Biden on Wednesday, days after his son died. This is what we can expect?

George Pataki wants to bring back the old days.

Rick Perry is back in it again, this time with glasses. Oops!

Carly Fiorina claims the Chinese people don’t know how to innovate. Really? She should know since she almost destroyed HP without innovation to revive HP. Ripped Bell Labs apart!

Is a Stretch IRA right for you? Make your legacy powerful.

How you leave your assets to heirs depends on how you title/designate them NOT by your will alone. Your decision can leave a powerful account with NO taxes or huge tax bill they won’t forget. http://vsa.fsonline.com/vsap/pdfs/1a2-19-ST.pdf

http://www.amazon.com/Pay-No-Taxes-Retirement-legally/dp/1507527977

Suzy Orman as your advisor?

Perhaps it is not a good thing to take advice without doing your own research. Orman seems to do the things she tells us NOT to do. Orman is in the entertainment business like TV stock analysts and cable news. That is why she stopped being a licensed broker—she makes more now. Advisors cannot see the future. Buy Vanguard’s Top Ten and relax:

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

Guns to save kids killing other kids are banned by NRA

Gun sellers have tried to sell “smart guns” that fire when only owner holds it but they have been threatened with death if they do—So much for constitutional freedom to be armed. Lawyers say that gun makers could be liable if a victim finds out the maker could have prevented shooting.

So Americans are allowed to have the freedoms the 1%s decide to give them.

Is a hedge fund right for you?

Wealthy seem to like gambling. With a record of 4.6% returns from 2012-14, compared to 18% for the market, you would think hedge funds would be dead by now. Not to the optimistic gambler. CALPERS, CA union pension, has given up the habit. However, there are many which have not. Christie has his people putting union money in the hedge casino. But he did it as payback for contributions. Gambling only pays off the middleman. Earn 10-12% in growing global businesses: http://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Do you need to know your AGI adjusted gross for 2014, 13, 12 returns for college aid?

If you just need information that shows most line items from your tax return, you can call 1-800-908-9946 to request a free transcript. You can also get it if you file Form 4506T-EZ, Short Form Request for Individual Tax Return Transcript, or Form 4506-T, Request for Transcript of Tax Return. This is all IRS keeps.

Quit paying tax when you retire: http://www.amazon.com/How-Retire-Tax-FREE-Income-increases/dp/1484156951

EPA says fracking OK for drinking water—just don’t drink it!

Environmental Protection Agency study found the drilling method had no widespread impact on drinking water. This study means EPA will not add regs on drillers.

SCAMS           Why are we still paying $700 Billion a year for WWII deployments? That is 27 cents of each dollar in taxes—the largest part of our money—and we aren’t even at war. We could pay off our debts and fix our schools, roads and bridges!

We are paying for 164,253 of our active-duty armed personnel to be in 150 countries around the world. We have about 50,000 in Japan and 50,000 in Germany.

We are building another military base for Japan at Henoko. Air Force Gen. Ronald Fogelman admitted that the Marines “serve no military function there. They don’t need to be in Okinawa to meet any time line in any war plan.”

Are we preparing for WWII again? There are 1,208,083^[1] armed personnel in the United States. Our taxes pay for about HALF of the WORLD’s military expenditures every year. We have wasted $398.6 billion so far on the F-35 program—they can’t fly safely.

We just can’t afford to pay for everyone else’s defenses anymore.

Japan, Germany and S. Korea can pay to defend themselves.

The War on Terror requires special forces attacks on top terrorists at their homes like Obama’s al-Amr May14 Abu kill. Iraq proved converting a nation to Western-style republic doesn’t work. The troops we trained ran away, left our stuff—more costs. Former Saddam army now ISIS. We are wasting $4 billion a year on Afgan tribal rivalries; paying ransom to Al Qaeda; supporting corruption with our money.

When we try to help others in civil wars, we make them more deadly!

The Central Intelligence Agency has run guns to insurgencies across the world during its 67-year history — from Angola to Nicaragua to Cuba. The continuing C.I.A. effort to train Syrian rebels is just the latest example of an American president becoming enticed by the prospect of using the spy agency to covertly arm and train rebel groups. An internal C.I.A. study has found that it rarely works.

Great for the military-industrial profits though.

We pay for airplane security and get NONE—Terrorists watch video and learn

Airport undercover agents were able to smuggle prohibited items, such as mock explosives or weapons, through TSA checkpoints in 67 out of 70 attempts. We must give up our gifts, shampoos and razors for what?

We pay for 24/7 surveillance and get NONE—Terrorists don’t use Verizon accounts!

An analysis of 225 terrorism cases inside the United States since the Sept. 11, 2001, attacks has concluded that the bulk collection of phone records by the National Security Agency “has had no discernible impact on preventing acts of terrorism.”

We pay FBI to track terrorists in US but follow wrong guys

Surveillance planes were found to have made more than 100 flights in the last month over at least 11 states and major cities like Boston, Seattle and Houston but watching riots instead. What about Boston bombers and Times Square bomber?

What about following ISIS cell phones at the source not US?

Nazi war criminals taking SS benefits?!

Rinkel is among 133 suspected Nazi war criminals, SS guards, and others that may have participated in the Third Reich's atrocities who received $20.2 million in Social Security benefits, according to a report to be released later this week by the inspector general of the Social Security Administration. The Associated Press obtained a copy of the report.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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Maximize your income

Maximize your Social Security Benefits and Retirement Income

I wrote this book so you could maximize your Social Security benefits. The average benefit is about $15,000—about HALF the average retiree's income of $31,000. This is less than the level needed for most families. Most economists say we need 80% of the average household income of $51,000. We need to develop our own “lifestyle security.” We need to create more income—preferably tax-FREE income—to avoid the tax increases needed to pay for 2 wars, 2 tax cuts and 2 Wall Street bailouts.

Today you can make sure you are protected by creating an inflation-proof retirement Spending Plan.

You need to enter the last 30 years of your lives knowing how you both are going to manage them. http://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224/

Americans want to save Social Security for their futures

A recent poll shows a majority of Americans support reducing Social Security benefits for the top 25% of earners; eventually raising the full retirement age to 68 or more; increasing the annual cap on income subject to the payroll tax to $215,000 or higher; and boosting the payroll tax rate from 6.2% to 6.6% or higher. This poll was taken after citizens were educated about SS benefits. For instance, if Congress does nothing, Social Security benefits will be cut by 23% starting in 2033. Do want the changes?

Will the millionaire-do-nothing Congress protect those less fortunate or will they continue to funnel subsidies and tax loopholes to their donors?

Let me know how would you vote?

Free tax prep finds best deductions for you

Many free tax preparation software aps provide you with the questions to determine if you should file with standard or itemized deductions. You don’t need to waste time completing the Schedule A, B etc if you don’t have to. For instance, if you don’t have high medical, property tax, mortgage interest expenses, it is unlikely that you can beat the $12,200 standard deduction for married jointly. Deductions vary by your situation so the software will know which forms to send depending on your answers. Find free software at http://www.irs.gov/uac/Free-File:-Do-Your-Federal-Taxes-for-Free.

Long-term care insurance alternatives

If you are considering this protection to help save your assets for you or your spouse later on, you need to plan carefully. Others in your situation have used certain financial products to make sure the remaining spouse keeps the maximum assets to live on. Can you keep your home? Which assets are “countable”? My Dad paid nothing for his two nursing home stays. Medicaid qualification is complicated so learn what you really need to do in advance by using our guide: http://www.amazon.com/Long-term-Care-Insurance-Updated-2013/dp/148274001X

Two Americas: who are the unemployed—really?

A large number of men who are still in their prime working years find themselves without jobs for extended periods, despite an improving economy, according to The Wall Street Journal. The trend has been building for decades. The percentage of unemployed men 25 to 54 more than doubled between the early 1970s and 2007, from 6 percent to 13 percent, before jumping to 20 percent in the depths of the recession in 2009, according to the article. Some politicians say the unemployed are lazy and like living on $1200 a month instead of working. That might cover rent alone in many cities.

Americans are working more than ever but their real income is the same as 1970s.

According to a recent Workforce Management study, since the great recession, 55% of employees have seen their workload increase, and 27% say it’s doubled. The constant pressure to do more with less, coupled with the belief that being busy means we’re important, is creating an unsustainable pattern. Productivity gains went to the bosses. “Man [kind] does not live by bread alone.”

In future, will elites keep this group of unemployed in suspense playing video games, gambling money they don’t have, engaged in filling up time like Romans at the free coliseum games? Will politics create more make-work jobs like Christie appointees at the Port Authority? Or Obama’s ambassadors to Argentina, Hungary and Norway.

Reliable used luxury cars are the choice for working millionaires

Lexus, Mercedes-Benz and Cadillac had the vehicles with the fewest reported problems. Lexus had just 68 problems per 100 vehicles, the only brand with fewer than 100 problems. General Motors had the most winners in each segment, with eight, including the highest-ranked compact car, the Chevrolet Volt, and the highest-ranked pickup, the GMC Sierra. Toyota Motor Co. was second with seven segment winners, including the Toyota Camry minivan and Lexus ES luxury compact car.

Mini, Dodge and Land Rover had the most reported problems. Mini, the worst performer, had 185 problems per 100 vehicles.

The JD Power survey questioned 41,000 owners of 2011 model year vehicles between October and December of last year. Cost of reliable 2011 Lex in my area is $23,000.

Insurance agent hates ObamaCare—but says we should take it!

62% of bankruptcies were due to medical expenses, according to a Harvard University Study. And almost 75% of those had health insurance—they were just underinsured.  "People don't realize how serious it is to be walking around without health insurance or even simply underinsured," says Shaun Kennard. "It's a sure recipe for disaster and one that many people can avoid now as a result of either the subsidy programs or the removal of all pre-existing condition limitations."

Finally, a subsidy for us NOT EXXON. Indeed, the subsidy programs are fairly far-reaching and you may be surprised to learn that you qualify for help.  Assistance begins from a single person making less than $45,960 to a family of five with a household income less than $110,280. Buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

ObamaCare opportunity missed by pockets of needy

A study conducted for The Associated Press found that half of the uninsured live in just 116 of the nation's 3,143 counties, and half of the coveted 19-39-year-old demographic lives in just 108 counties. The premiums of the young and relatively healthy are needed to offset the cost of insuring older adults who are more likely to have chronic illness.

Open enrollment for subsidized private insurance ends March 31 for people who don't have health care through their jobs, federal officials plan to target these counties, which lie mostly in metro areas. Five percent of the nation's uninsured live in Los Angeles County alone, where 2 million people remain uninsured.

SCAMS           Why are we still paying $700 Billion a year for WWII deployments?

We are paying for 164,253 of our active-duty armed personnel to be in 150 countries around the world. We have about 50,000 in Japan and 50,000 in Germany.

Are we preparing for WWII again? There are 1,208,083^[1] armed personnel in the United States. Our taxes pay for about HALF of the WORLD’s military expenditures every year.

Gamblers lost a record $440B last year—almost covers the budget deficit

More states are involved in seducing you to play online. This makes it easier to lose $500 because some new sites are promising to give you $200 to $500 to start. Remember, follow the money! Why are they “giving” you the money to start? They know that most people can’t stop. Your odds are better with a bet on the new drug companies, using an index like Vanguard’s Health Fund which has returned 43% in one year, 17% every year since 1984. If you had “gambled” just $9 a day you would have a $1/4 million by now: https://personal.vanguard.com/us/funds/snapshot?FundId=0052&FundIntExt=INT

Who owns your account now?

CNA Financial life unit to Wilton Re Holdings Ltd which is backed by Stone Point Capital, Bermuda.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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