How Trump avoids taxes we can't

Trump’s real estate business helps him avoid taxes you can’t avoid

When we see his tax returns, it will reflect one to the greatest tax evasion schemes on earth: depreciation. Depreciation on Trump’s buildings let him tell the IRS that his 1978 income was negative by $406,379. The next year, it was negative $3.4 million, according to documents found by Pulitzer-winner David Cay Johnston in casino regulatory files. Trump even gets the NY property tax subsidy. When you are wealthy with your dad’s assets, you can buy a building with little down, (Chinese finance it and get immigrant VISA) and then deduct the interest, maintenance, plus part of its price every year you own it. This can mean you owe no income taxes and you may get a refund. You may even have a property tax subsidy. His Chinese investors get free US visa/residency and access to money laundering. 

Use the tax code to your advantage too: http://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

Cayman Island financial firm admits it helped wealthy evade taxes

Cayman National Securities Ltd and Cayman National Trust Co Ltd each pleaded guilty in federal court in Manhattan to conspiring with U.S. taxpayer clients to hide $130 million in offshore accounts and evade paying taxes from 2001 to 2011.

In court, Cayman National CEO Stuart Dack said the subsidiaries "engaged in this conduct knowingly and willingly and were aware this conduct was wrong."

Use your IRS 408 tax-FREE account: http://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

The best investments for you

Consider what your investments need to do for a successful future. You may want to earn $100,000 for your kids’ college or start your own business or have enough for your retirement. What is the best investment for you?  Do you trust a broker to pick investments or use your own judgment or get a little help when you need it? This decision is crucial to your success. Best situation would be high earnings without loss at a reasonable cost. Your choices are paying 2% every year for a broker/advisor to pick investments that MAY NOT earn above average returns or paying 0.20% for market average returns of 11%. Studies show the average brokerage account earns just 3.79% while the low-cost market match earns you 11.06%. Take 11% inside Tax-FREE account.

Use Buffett’s advice: http://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

Obama supports gun sales—up 25% at S&W—GOP is wrong about Obama?

Gun maker Smith & Wesson reported revenues rose 61% year-over-year to $211 million, boosted by a 25.3% jump in handgun sales. The FBI’s National Instant Criminal Background Check System (NICS), which is a proxy for demand, surged by more than 25% over the last year, “validating our belief in the long-term growth prospects for the firearms market,” CEO James Debney said. Mass shootings are up: Once a day becomes American habit. Houston robbers get automatic weapons. Chevy trucks help break in. Guns are growth business under Obama—up 600% in 5 years! GOP thrilled!

We are back before Tombstone gun control law forced gunfight over gun control law. Wyatt Earp and Doc Holliday were charged with murder, at first.

Wall Street traders’ jobs gone as automation runs the markets

Algorithms and computer modeling are now used to trade stocks, exchange-traded funds, commodities, currencies, futures and other products. There used to be dozens of specialist firms, as designated market makers were once known, at the NYSE floor. But profits from trading U.S. stocks dwindled, making it difficult to serve as market makers without automation. Although GTS, Virtu, IMC and KCG employ human traders at the floor, their businesses are driven by some of the industry’s most sophisticated computer systems. Floor managers oversee computers. There are no banks serving as market makers at the NYSE floor, completing a shift spurred by the automation of trading over the past couple decades. Trillions of bits and bytes replace people and paper.

Use Warren Buffett as your advisor: http://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963.

GOP of MI decline to help Flint further

After trying to save money by poisoning the water GOP legislature says no more aide to Flint until budget fixed in Oct. GOP are waiting for American tax payers to fix GOP mess for $300 Billion. GOP Snyder blames EPA for Flint poisonings.  

GOP of KS, LA, MI, OK destroyed budget; gave subsidies/loopholes; made deficits

Bobby Jindal, who reduced revenue by giving tax breaks to wealthy, and created new subsidies that didn’t deliver growth replaced by DEM to fix economy. New taxes on poor (sales tax up 25%) will stem deficits—Rich escape increase in income taxes.

Repeat of KS? GOP offered subsidies to business and society suffers. In recent years, Michigan and several other states have also cut business taxes, lowering revenue to the states’ coffers. Jobs didn’t develop. GOP cuts social programs for those who can’t fight back. Some subsidies are taken and business moves anyway: Carrier got $5 million and then moved to Mexico. Some, like GM, just give CEO a bonus.

Use your tax subsidy too: http://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

GOP of KY promised repeal ObamaCare but people like health care

KY is keeping Medicaid expansion of 300,000 insureds and use of HealthCare.gov exchange to buy insurance from carriers. As in IN, GOP added window dressing to ObamaCare to keep citizens well. Gov Bevin seems to have learned firsthand that it was impossible to snap his fingers and make all that go away without upsetting a lot of people. In other words, when Republicans have had chances to put their repeal talk into action, they haven't. People need health care and GOP has no plan.

GOP will keep ObamaCare—it’s really GOP idea

RIP Antonin Scalia—Supremes DO CARE about environment after all!

At Scalia death, Supreme Chief Roberts refused to block an EPA limits on mercury and other pollutants from coal-fired power plants. Last month, Scalia and Roberts had blocked Obama’s climate legislation. Is the tide turning? Obama has interviewed 5 judges to replace Scalia as per Constitution.

GOP wants Trump to name Scalia successor;  but it could be Judge Judy.

GOP religion becomes law in MO

You can now discriminate against anyone you don’t like just by saying the magic words, I have "a sincere religious belief." Your right to break civil law is now in the MO constitution despite the ruling of America’s “highest” court. Our “equal under law” system and the Supremes have been demoted in MO. There is no law for all in America anymore. "Rewriting our state's constitution to condone discrimination would be contrary to our values and harmful to our economy," Gov Nixon said. Logically, GOP religionists will create a state where only their religious beliefs will be allowed. This is called a theocracy, and many people in other countries live under the threat of death for their behavior. MO has taken the first step. Trump says we can’t let Muslims in because they hate us. He wants Mexicans deported. Which group will be next?

In the 1940s, Pastor Niemöller said: “they came first for the Communists, And I didn't speak up because I wasn't a Communist; And then they came for the trade unionists, And I didn't speak up because I wasn't a trade unionist; And then they came for the Jews, And I didn't speak up because I wasn't a Jew; And then . . . they came for me . . .”

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

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

FL 2016                       Berlin 1935

Trump: Individual allegiance (swear) to the Leader, not GOP, in FL rally =1935   

            “I think Islam hates us.” We can’t let people who hate us in. Muslims this time!

            “Just watch me build the Wall”—but don’t they use tunnels these days?

            GOP donors: ‘Dictators arose because people did not stand up and say, ‘It’s             wrong to scapegoat minorities.’ … This threatens the fabric of our country.’ 

            3^nd reporter thrown to ground/ejected by Trump “brown shirts”

            Protestors beaten: “I will pay for the legal fees if you knock the crap out of 'em.”

Cruz: I won ME so I can take FL away from Rubio.

Kasich: Arnold thinks I am “action hero.” OK Where is Arnold now?

Rubio: “You can’t blame GOP for Flint water poisoning just because GOP in charge.”

            I regret my “penis” attack only because "My kids were embarrassed by it."

            I have not paid my taxes on time for 6 years—poor money management.

            Americans like “socialism” by another name—SS, Medicare, Medicaid, etc

Sanders: American Revolution comes from voters voting out the millionaire Congress.

            KS and NE are conservative states that voted for me: don’t like big wasteful gov.   

            MI independents voted their hearts.

Clinton:  “you sided with the Koch brothers" in NOT supporting EX-IM subsidy but             Clinton’s PAC took $3.25 million from Koch’s “fossil fuel firms.”

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!

Ford F150: brakes fail 420,000 pickups with 3.5-Liter, 2013-4, says NHTSA.

Michael Oppenheim, JPMorgan, got 5 years stole $20 million; promised to invest it.

4-year old shoots mom with mom’s own gun—guns kill people not people

Newark schools found with lead in water from pipes

Steven Zoernack, Nokomis FL stole $1 million in 2 funds as EquityStar.

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

How our government wastes our money

GOP $300 million Flint mess blamed on EPA; MI GOP Snyder likes BIG gov NOW.

SCAMS

Company check—see complaints BEFORE you use a vendor for any financial help.             https://data.consumerfinance.gov/dataset/Consumer-Complaints/s6ew-h6mp

New phishing email scheme from your company executives—don’t respond, call HR.

Snowden: FBI claims that only Apple can unlock Farook’s phone is not true.

Who owns your account now?

Brokers with MetLife Premier Client Group were sold to Massachusetts Mutual Life

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

Avoid taxes on your earnings

Avoid income taxes on your investment earnings

In 2013, you can contribute up to $5,500 to an investment plan that grows tax-FREE and commission-FREE. 10 diversified mutual funds provide earning which have compounded at over 10% per year since 1970. Using a special account, you avoid taxes FOREVER. Using low-cost mutual funds, you avoid Wall Street fees of 2-3%. This double benefit account can add 40% to your eventual nest egg over time. NO TAX, NO FEES, compound at over 10%—perfect together: Your Retirement Mutual Funds

Retirement Mutual Funds earn over 10% without broker fees

Your Retirement Mutual Funds: 10 mutual funds to make sure your retirement income last as long as you!

Your investment plan assures you of income AND growth.

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Your Wealth ReserveTM provides TAX-FREE income for life.

Your tax-advantaged mutual funds grow at 10-12% per year.

Start today! Every year you delay costs you $100,000 later

Ten diversified mutual funds assure us of retirement income AND inflation-busting growth we can't outlive.

http://www.amazon.com/Your-Retirement-Mutual-Funds-retirement/dp/1481114026

"My wealth has come from a combination of living in America, some lucky genes, and compound interest." Warren Buffett, $80 billion investor

Teacher pensions sell off gun maker stocks … finally

From California to New York, teacher and public-worker retirement funds are reconsidering their investments in gun makers and confronting an uncomfortable fact: Their pensions have supported the manufacture of deadly weapons, in some cases the same type of gun used in the Connecticut school shooting. For years, the gun industry has been a reliable investment, attracting tens of millions of dollars from some of the nation's largest retirement funds. Now they are taking another look.

How could we improve the economy if players took personal responsibility?

As we make our way out of the financial recession, three suggestions might help: make executives pay for corporate misdeeds out of their own pockets, make regulators pay with their jobs when they screw up, allow lawsuits against those that provide positive ratings to bad products, and ask overly paid CEOs to compete by leadership not greed. 

http://www.nytimes.com/2012/12/23/business/four-paths-toward-a-better-2013-in-business.html

Health care changes for the good of patients!

Health-care innovations aren't limited to drugs and devices. Experts increasingly are adopting new ways to treat patients that studies show are better at healing the sick, preventing disease, improving patients' quality of life and lowering costs. Here are 10 innovations that took root in 2012 and are changing the care patients will get in 2013. http://online.wsj.com/article/SB10001424127887324296604578179723798981586.html

Million AL drivers still have no liability insurance

The owners of the 900,000 Alabama vehicles without liability insurance stand a better chance of getting caught starting Jan. 1. That's when the state will start enforcing a law designed to crack down on motorists who don't abide by Alabama's mandatory insurance law.

Do you really need a disability income policy?

..Save $12,000 by self-insuring.

..Create a Wealth ReserveTM. Cash is a better plan.

..Accumulate $100,000 in 15 years to protect your future.

You only need a separate policy if you are self-employed or own a small business, and you do NOT have a “self-insurance” plan yet. Build your own wealth, not that of your insurer—self insure! Our chance of becoming totally disabled for a long period is very small. Disability Insurance by Dan Keppel 

http://www.amazon.com/Disability-Insurance-Cash-better-Self-insure/dp/1481843893/

Nursing Homes with Most Serious Deficiencies

Homes with Most Fines

Use this tool to compare nursing homes in a state based on the deficiencies cited by regulators and the penalties imposed in the past three years. You can also search more than 58,000 nursing home inspection reports to look for trends or patterns. http://projects.propublica.org/nursing-homes/

Women lose their health care at increasing rate

About 115,000 women lose their private health insurance every year in the wake of divorce, according to a University of Michigan study. And this loss is not temporary: women's overall rates of health insurance coverage remain depressed for more than two years after divorce. "Given that approximately one million divorces occur each year in the U.S., and that many women get health coverage through their husbands, the impact is quite substantial," said Bridget Lavelle, a U-M doctoral candidate in public policy and sociology, and lead author of the study, which appears in the December issue of the Journal of Health and Social Behavior.

SCAMS           “Deficits don’t matter” GOP leader Dick Cheney

Do you know where our bottled water comes from?

In a lawsuit against Nestlé Waters we learn those bottles contain filtered municipal tap water. The case echoes allegations in a previous case against Nestlé Waters, which sells Ice Mountain and other popular U.S.bottled water brands, including Poland Spring, Arrowhead, Deer Park, Ozarka, Calistoga, Zephyrhills and Nestlé Pure Life. Nestlé Waters tops the surging U.S. bottled water market, with a 32% share.

PepsiCo and Coca-Cola also have drawn legal challenges on their popular bottled water brands. A 2007 case filed in New York federal court charged that Pepsi's advertising, marketing and labeling on the company's Aquafina brand "failed to inform consumers that the source of the water was public tap water, not water from an inherently cleaner source, such as a mountain."

Pruco caught overcharging customers

The regulators ordered Pruco Securities to pay more than $10.7 million in restitution, plus interest, to customers who placed mutual fund orders with the company between 2003 and 2011. Finra also fined Pruco $550,000 for its pricing errors and for failing to have an adequate supervisory system and written procedures in this area.

Our personal info sold without our OK or our commission

The FTC wants to know what the brokers do with the information they collect from consumers. It also wants to know if the data brokers let consumers review and correct their personal information or opt out from having their personal information sold to a third party. Data brokers are not required by law to disclose to consumers the information they collect on people's finances, race and ethnicity, shopping habits, social media updates, health concerns and more. By some estimates, these brokers stockpile several thousand details on the majority of adults in the U.S. In June, Pasadena company Spokeo agreed to pay $800,000 to settle charges it illegally sold personal information for employment screening. Congress has yet to pass a law to let us see our data before brokers sell it. Dem Rockefeller said, "American consumers deserve to know who is collecting information about them."

Steve Jobs left his $138 million yacht in hock in Holland. Can’t he use it now??

New York Stock Exchange was purchased by ICE, an Enron-type outfit. ICE trades energy derivatives and has done well and so will pay $8B to own the markets.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com