Your Unbiased Advisor: guns kill

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Friday, November 5, 2021

Is a traditional 60/40 portfolio right for you?

Savers and investors who tell their advisor that they do not want to take excessive risk are usually given the 60/40 option—60% of their investments are in stocks and 40% are in bonds. If you pay an advisor to pick your stocks and bonds, this traditional portfolio may work for you and let you sleep through the night. When they quit working, their stock holdings are reduced to 30%. But what if you have not saved enough for the retirement you envision? Buffett has suggested a 90% stock 10% cash position for his eventual widow's retirement portfolio. This does not work for most of us since we don’t have the level of assets Buffett’s widow will have. Some of my readers operate on a LOW-COST 70/30 option in retirement since they have a balanced portfolio and large pension/IRA/SS income. Others have been lucky to rely on a “total return” strategy during one of the longest bull markets in history. They try to reduce their taxable income by buying non-dividend stocks like Buffett’s well-diversified firm with no commissions. They built emergency funds to pay for 2 years of expenses to survive a market drop. For most of us, the Target Date funds offer the best compromise for pre- and post-retirement portfolios. The key to success is low-cost funds or securities since we earn more when paying less.

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

Should you invest 10% or 20%?

This is a constant question I hear. Answer: it depends. First, more savings is always better since we are living longer and the prices will be higher later. Talk of higher inflation is already moving money from bonds to stocks. Second, if we have time to invest (retirement is 5+ years away), we should be investing in stocks not bonds. Yes, the stock market has already gone up over the historical average of 11% per year but there is no alternative. Savings at under 2% per year will not even cover the price increases for one year let alone for our future. Third, given the historical inflation rate of 3%, we must invest in stock or balanced funds and the cheaper the better. There is no reason to pay 2% commission, fees, trading timing failures to someone who cannot guarantee inflation-beating returns. Most of us have not invested enough during out working years, so starting at 10% and increasing the percentage each time we receive a raise makes sense. Obviously, if your nest egg is low due to low returns or employment pause, you must increase it to stay on track for the future benefits of income. You can run simulations of your final nest egg balance and how long it will last here: https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf

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

Is AFLAC insurance right for you?

This pays you cash if your accident or illness is covered. You will not receive what you might expect given the premiums you have paid. The insurer pays claims at about HALF what you might expect to receive after your health insurer pays your medical bills. This is an insurance company and they determine how much your payout for an illness or accident will be. Not every situation is covered. For many folks, this is a “forced savings” product. That means you might be better off putting your premium into an emergency fund—a balanced mutual fund at low cost or high-paying bank CD. A disability policy that your employer pays means that the benefit you receive is taxable income to you.

https://www.amazon.com/dont-have-money-Financial-Emergencies/dp/1537636707

Will any of these 55 tax avoiders actually pay the 15% global tax?

The global minimum tax is a way to prevent large multinational corporations from shifting their profits to low-tax countries, such as Ireland (12.5% corporate rate) and Switzerland (8.5% corporate rate). Until now, this has been done by setting up subsidiaries in these tax havens. By maintaining a minimum tax rate of 15% in the vast majority of countries, there is virtually no place remaining (other than Kenya, Nigeria, Pakistan and Sri Lanka, which have not yet agreed to the rate) to shift profits to—particularly from intangibles (patents, trademarks, software, royalties on intangibles). Those who support the tax expect it will boost the global economy and incentivize multinationals to keep more profits—and the tax on them—at home. As it stands now, the tax would only apply to large multinational corporations. This means corporations with profits outside their borders exceeding $868 million. It would not impact the tax rate charged by the corporations’ home countries. Yet another layer of the global minimum tax is for the largest multinationals, with excess profits (profits in excess of 10% of revenue). The tax rate here would be 25%. The law has not yet been enacted by the U.S. So only the little people pay tax and the wealthy pay our Reps to keep it that way.

https://www.amazon.com/Americas-Socialism-Rich-only-little-people-pay/dp/1535218584

Wealthy folks avoid taxes by claiming dual citizenship in city, beach, mountains

You have your choice of 25 capitals and cities around the world where you can acquire residence through investment migration programs. The places are ranked according to 10 main categories that represent the most pressing relocation considerations: lifestyle, tax, education, real estate, health care, security, infrastructure and stability, as well as COVID-19 safety and the relevant investment migration program. All 25 locals are proactively welcoming foreign investors, and while some are clearly leading the pack, each has its strengths and particular appeal. And special companies will help you make it happen. Zurich, St. Helier, Lisbon, Rome, Monaco, Cyprus, Athens, Malta, Kuala Lumpur, etc. Avoid bad weather and taxes.

https://www.amazon.com/Your-Hidden-Wealth-Reserve-Reduce-Taxes/dp/1540435148

Is working as long as you can right for you?

One of the biggest regrets some folks have is not seeing their co-workers on a regular basis. Many say they plan to get together but somehow it never happens. The benefits of working, even part time, are many. Many feel lost in retirement since their lives revolved around their mates at work. ‘Friends for life’ is how they describe those they have seen for 5, 10, 20 years. Unless you are working in a coal mine or warehouse, you should stay connected to your network. 1^st health benefits of seeing your group and receiving health care benefits can’t be discounted. Working requires using your body parts. The old saying, “use it or lose it” is true for many retirees. You may enjoy many more years with family and friends when you are active. You don’t have to gym or golf or run to stay healthy according to new research. Walking is fine. 2^nd because you are called upon to make decisions—any decision—you will ward off the onset of some possible memory or dementia problems. You won’t get stuck watching TV, playing computer games or staring at the monitor all day. You may even increase your skills in case you want another career. 3^rd you can spend more money. In fact, adding more to your nest egg will provide you with peace of mind. Your SS benefits will be greater since every year you do NOT take benefits adds 8% to your payout. You can work and take extra benefits after your Full Retirement Age without penalty. After age 70, your benefits do not grow larger but they may have doubled from the amount you would have received at age 62. If you are still working and contributing to FICA after FRA, your benefits are recalculated each year. So instead of $1,463.80 a month you could receive $2,975.00. Eventually, you will have to withdrawal funds from your 401k, IRA, etc so you need to plan your spending.

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

Can you live on dividends alone?

Some investors accumulate enough stocks that pay dividends they can live on them as retirement income. The list of so called Dividend Kings provides a broad selection of stocks with a solid history of dividend payments. You know many of these firms already: Coke, 3M, J&J, but there are many not well known. Now you have mutual funds and ETFs of these stocks. The downside to ever increasing dividend income is dividend tax. To become a Dividend King, a company must have at least 50 consecutive years of dividend increases. Because of that high standard, it likely doesn’t come as a surprise that only an exclusive list of firms make the list. In 2021, there are just 31 Dividend Kings. This strategy provides the value tilt to your portfolio—growth stocks are light on dividends. “Dividends can offset losses if the market is declining and help with inflation.”

Make your plan complete: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

**********ACCOUNTABILITY**************

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

Our Jan 6 ‘Truth and Reconciliation Commission’

“The coup is ongoing”

Sentence for overthrow government: free to do it again

Judge: “attack on democracy ... unparalleled in American history.”

GOP aided and abetted the coup attempt

Supremes: overturn 700-year tradition restricting weapons in public?

How Govt wastes our money:

Manchin cancels paid leave for family health: women have baby on lunch break?

Manchin demands getting his way or gut services and structures: coal pays $491,949

Too little too late: countries to stop cutting trees by 2030: why wait?

Supremes: the bullies, mafia, criminals will be packing on/under the streets of New York

8,000 Air Force Service Members Miss Vaccine Mandate Deadline: 5,000 turn to religion

Navy Cmdr runs sub into mountain in SCS: Tesla autopilot or just incompetence?

SCAMS/SPINS:

Trump: take away Pulitzer Prize from newspapers I hate; “I am the chosen one”

Supremes TX ban: women can just “stop having sex” to avoid pregnancy decision

Supremes: TX sets up vigilante law: $10,000 if see abortion, illegal sex, devils, books,etc

TX to ban books from teens if “psychological distress”: can’t read of sex, race, etc

TX leaves Covid decision to parents but book & birth decided by TX gov: my rights?

Arbery trial: GA jury of all white men: judge admits “discrimination” already: fair trial?

Fake news is easy to poison our lives: Covid, immigration, pipe bombs to scare us

Fake news created by only 10 publishers: study shows who does most wrong info

Attempted overthrow of US government Jan 6 now called just ‘riot’: misinfo?

Trump: VA election of GOP gov was ‘fraud’: GOP win with ‘racist education’ ideology

Q delusion: QAnon believers Lemmings outfitted with “Trump-Kennedy 2024” shirts

Kenneth Welsh NJ caught stealing $3M tricked WellsFargo client accounts

Xlear caught claim nasal spray prevents COVID "without … evidence"

Tech Support Scams No. 1 Phishing Threat: pop-up alert disguised brand names

scammers claimed from Amazon, IRS, SS: takes over computer for ‘refund’ to rob

Tactics Scammers Use to Lure Consumers based on science

GA GOP paid by robocallers to allow unlimited voicemail on our phones: tell him NO!

Big banks caught fixing ATM fees: pay fine and continue as usual: no jail time

Scams using your phone ID: Google Voice verification: use your phone ID as scam tool

Dealers caught overcharging for car loans even with great credit: pay $59K for $29K car

CA passenger assaults plane crew: flight diverted: give assaulters parachute; flight go on?

Tesla recalls 12,000 vehicles: bad software may stop car on a dime when you don’t want

Tesla autopilot trial: kills Banner by running into semi truck it did not ‘see’ at night

Jobs

Biden: Pope called me a ‘good Catholic’ and blessed my rosary?: US bishops deny Host

Unemployment comp NOT taxed: IRS sends 430,000 refunds $510 million for 2020.

FL women get prize for killing big shark: what fun! “We kept the tail, the head”

Denied job or rental or credit bec/ credit bureaus have wrong history on file for you?

Who owns your account now?

GOP or Trump Mafia? Another Trump critic is silenced: Gonzalez fears for family

How to separate the info from misinfo: you can learn to tell the difference: https://newslitproject.zoom.us/webinar/register/WN_stGsEmUpTGKuxLoxKkvEeA

ESCAPING FEDERAL TAX PENALTIES

Best college savings plans: 529 state choices rated

Vax effectiveness falls 50% in 6 months: study 800,000 complete

Miracles:

Conner Doss and Kane Daugherty saved bus driver with quick thinking action

Covid kills priest so congregation gets vaccinated in his honor

ObamaCare is more affordable in 2022 so more folks have health care

We have now melted the Earth “back to the Stone Age in some places”

Chile desert glass sheets from fireball exploding just above sand 12K years ago

Two condor chicks had hatched from unfertilized eggs: females can only make males

Finding a replacement for battery power: batteries are bad for environment

First oral covid-19 treatment pill approved in UK for UK test: replace costly antibody

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

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts available at http://dankeppel.blogspot.com/

Friday, May 14, 2021

Lessons of investing great David Swensen

Is inflation really a threat to your money?

Current media spin is using inflation fear as a theme. Prices have risen because the economy is gaining strength after a pandemic shut down. Sure inflation exists. But it is a threat only if you are holding tons of bank CDs and bonds with low interest yields. Banks and bond issuers will have to bump up payouts to sell their new bonds so the old ones will be worth less. If you are holding a broad spectrum of stocks in a low-cost account, you will continue to enjoy the high earnings (stock market up 10% in ‘21). Do you really think Apple, Amazon, Google, Facebook, etc will stop growing and be defeated by 2% inflation? They will just raise prices to cover higher costs. For instance, Amazon has already increased revenue by raising the cost of selling my books. For most of us long-term investors, stocks are the safest investment strategy. Stocks will protect us from inflation since the average return of 11% is greater than the 3% inflation rate. Plus, since we invest in tax-free accounts, we earn an extra 25% by NOT paying income taxes on our withdrawals. 11%-3% = 8%. 8% is greater than 2% CDs/bonds.

Go tax-FREE: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

Most of us regret not having emergency fund

We all have financial regrets—few high school students learn how to manage and grow their assets. There is a simple tax-free way to grow your emergency fund at better rates than a bank CD. Bank CDs are safe but you lose money to inflation over time. Saving for the unexpected means not cashing in your savings for a new Playstation. Opening a tax-free account for $1,000 with a low-cost target-date fund can provide $15,000 after only a few years of saving. You contribute $10,000 over time and you have $10,000 available when you need it. You pay no income tax, penalty or default interest. If you have no emergency, your money grows tax-free for years. Even if you add no more money to this fund, you could easily have $500,000 when you stop working. When you start saving early in your life, you use time to build wealth. You let the Miracle of Compounding work for you. You put in $10,000 and receive $500,000 tax FREE. You can not find a better investment plan than that. And there is money there when you need it. You have a Wealth Reserve for life.

https://www.amazon.com/Your-Wealth-ReserveTM-Tax-FREE-Investment/dp/1484954882

GOP asks us working people to pay more

“Uncollected taxes equal the total taxes paid by the lower 90% of taxpayers.”

According to 5 IRS commissioners, the wealthy don’t pay their taxes. In fact, by not paying their fair share, we and our kids will end up paying for their $2 billion tax break. Those who don’t pay taxes increased their wealth by 55% this past year. Now the GOP complains about the deficit when asked to pay for the infrastructure bill which will create more jobs. Most corporations have had a fantastic year and keep more of their profits. In fact, most large American firms pay little or no taxes because they are able to claim their ‘home’ is in a foreign country where taxes are lower. For some companies like Amazon we pay for their refunds. Other corporations have paid Congress for sweet deals and are actually subsidized by our tax dollars despite big profits. Congress needs donations for elections so members don’t dare touch the tax laws. This is the American version of socialism: Socialism for the rich: the rich take the profits while we pay for the deficits created by gov tax breaks. Congress is full of millionaires. They make the laws. As Mitch says, Congress will “turn America into a socialist country." Already gives money to rich.

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

Is this tax avoidance scheme right for you?

This strategy is called a syndicated conservation easement. It is a land deal that the IRS says is often an abusive tax shelter. Congress created this “incentive” in 1980 for owners who pledge to never develop their properties. Through a broker, you join other investors to buy large acres of land and promise never to develop it. You get a whopping tax deduction of as much as five times the amount invested. This is one of the tax avoidance schemes that Trump is being investigated for on his upstate NY property. He claimed he does not pay taxes because “I an smart” during the election. The IRS Commissioner Charles Rettig told a Senate panel last month that 28,000 taxpayers are under examination, some for similar land deductions. $21 billion in tax deductions are now being challenged. This tax avoidance strategy may be right for you since the rewards are much greater than the costs if your deduction is disallowed. Most investors never face jail and would have to pay tax later rather than now. Legal staff is available to help you avoid ever paying your taxes. With IRS’s current lack of enforcement staff, working Americans are more likely to pay the taxes you avoid than you are. Working Americans can avoid paying your taxes by using their own legal tax shelter.

Use the workers’ shelter: https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

Help your graduate avoid paying for tax cuts/subsidies for the rich

High school and college graduates need the best gift you can give them: a future of tax-FREE income. Get them started now since your gift can grow a THOUSAND times its value over time. For instance, $50 invested now can provide them with $20,000 when they need it later. Since you have started your grad off with this special IRS-approved tax shelter they will find it easier to keep saving/investing the right way. They will end up with a tax-FREE retirement. They can create a $500,000 tax-FREE account. Some young people have grown their accounts to over $1 million by investing $167 a month while they work. They will pay NO taxes on their wealth. They can avoid future tax increases. They can boost their savings by 30% just with the fed/state tax savings alone. And if they need a home down payment or business start up fund, they can use the contributions tax and penalty FREE.

Perfect gift: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

Lessons of investing great David Swensen

The legendary head of Yale endowment passed away this week. He changed ivy investing at many schools by developing a much wider asset mix to try to steady the flow of capital for scholarships and expenses. Over his tenure at Yale his asset picks returned 12.4% per year on average with dips during the trying years of 2008-09. What can we learn? During this period—1985 to 2020—the stock market index fund you owned earned 13.02%. The Vanguard’s equivalent earned 13% after 0.04% fees. Swensen invested new money in new types of assets. He relied on the Miracle of Compounding—reinvesting dividends and interest to match the S&P 500 index over a long time. His last 10 years grew $100 to just under $300. Our last 1, 5 and 10 years’ returns were also exceptional: over 13%. He was not a fast trader. His portfolio included many of the stars that are represented in the top global corporations of today.

Invest like a pro: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

How can you and your spouse agree on a spending plan in retirement?

Just like planning the family vacation, you both need to discuss your future money situation. If your spouse has a different vision of retirement, if you don't agree on financial issues or you avoid them completely, then conflicts are inevitable. Left unattended, these problems may become so serious that they threaten your relationship. Most of us have fights over money—usually spending habits and dishonest dealings. Actually 29% of divorced boomers said they ended their marriage due to disagreements about money. You have to discuss where all money comes from and goes in a detailed way. Exactly how much is being spent in a month by both of you is important to know. Buying secret lottery tickets or secret food/liquor stores is just the beginning. If you are not used to sharing this info, you will not be able to know how much to spend in retirement. Sure you both could agree to keep a certain amount for secret purchases, but you must be careful. You both must agree on the investing strategy in retirement. So when the market falls temporarily, you have a plan (emergency fund) to still keep spending on essentials. If you are subsidizing a child, you must agree on how much and for how long. Otherwise you both could end up running out of money too soon. Your discussion should include the cost of aging or healthcare changes. Do you have a reserve to cover those costs? Finally, make and update your wills, power of attorney, health care directives and final passing arrangements.

Make plans together to stay together: https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

Can you withdraw 4% from your nest egg annually?

Financial advisors often fall back on this old rule as a guide to retirement income. This rule was created by William Bengen with data from the 80s when lifespans were shorter and advisors did not have computer software to provide a comprehensive retirement plan. Those assumptions are null and void. You can determine your rate of withdrawal based on your needs not your advisors’ guesswork. One of the assumptions that can throw off your expected retirement income is that your portfolio needs to be in fixed income—CDs, bonds and annuities. This has proved to be dangerous for you but a safe harbor for advisors. Advisors are not likely to be managing your money for the rest of your life. They can only guess what will happen in the next 1-3 year window. You are safer using the growth and income strategy that Warren Buffett recommends.

https://www.amazon.com/4-Retirement-Rule-Wrong-Lifestyle/dp/1492218960/

Is life insurance EVER a “great” investment?

“For some people, [permanent life insurance] can be a great investment” says one sales person. “Above all, life insurance is most compelling typically as an investment for high-net-worth individuals who are in a high tax bracket and are dealing with taxable accounts,” he adds. Finally, this sales person admits, “you already enjoy most of the tax benefits that are afforded cash-value life insurance.” You are better off buying and holding a non-dividend stock so you can avoid paying tax on your accumulations, just like permanent life insurance. Cash value life insurance is never a good investment. If you invest to grow your wealth, your wealth becomes your legacy more efficiently than expensive life insurance. Most of your premiums are going to the agent and the insurers’ profits.

Create your Reserves not the insurers’ Reserves: https://www.amazon.com/Life-Insurance-Need-Save-right/dp/1480002178/

Last chance to reduce taxes due May 17

If you owe, you have one last chance to get a refund or reduce what you owe. Thanks to the deductibility of a traditional IRA contribution, you may cut yourself a break. Instead of owing the government, you could have a refund. The amount depends on your situation. By opening or adding to your traditional IRA contributions for 2020 not 2021, you give yourself a retroactive refund. Yes, the IRS will receive a contribution confirmation from your bank or mutual fund firm but at least you have one less bill this month. Even though every tax preparation company can get you an extension to file the paperwork, the tax itself must be paid by May 17. There are rules.

https://www.amazon.com/Your-Wealth-Reserve-Save-year/dp/107028288X

Where is that refund?

The Internal Revenue Service today reminds taxpayers that the most convenient way to check on a tax refund is by using the “Where’s My Refund?” tool at IRS.gov or through the IRS2Go Mobile App.

Where is the stimulus 1 or 2? If you did not receive stimulus 1 or 2, start filing here: https://www.irs.gov/newsroom/recovery-rebate-credit.

Stimulus 3? https://www.irs.gov/coronavirus/third-economic-impact-payment

Tax returns for 2020 are due May 17 not April 15 but the estimated tax payments are still required on schedule. The IRS will redo your taxes and send a refund if you paid tax on Unemployment in 2020 or you paid ObamaCare’s excess advance premium tax credit repayment.

Have tax forms; will file … for FREE but WAIT . . .

If you have unemployment income, ObamaCare coverage you don’t have to make payments. If you already filed and paid tax on your unemployment income, IRS says it will send you a refund of the tax automatically. DO NOT FILE an amended return to obtain a refund on this tax. Taxes due MAY 17. Input the W-2, unemployment, SS benefits, IRAs, pensions, RMD, brokerage, etc. forms you have. You can file for FREE online. If you didn’t receive a correct form, file a Form 4852. Usually filing your state return costs as little as $15 unless you buy the Pro helpline. Avoid $300-400 paid preparer fees—new IRS return forms mean higher fees.

Retirees did not have to take their RMDs in 2020 so taxes may be less: it was a good time to convert IRA to Roth IRA for tax-FREE future. Unless you were self-employed, you can’t deduct home office expenses of working from home. You can deduct as medical expense all Covid prevention supplies. Some states continue the health insurance mandate and penalty unless you have an exemption. Since the IRA contribution deduction has no age limit now, you may reduce your income/taxes by making a contribution of up to $7,000. The standard deduction went up to $12,400 single; $24,800 joint. Jan 15 last day to make 2020 estimated payments. You have to report your April/May and December/January stimulus payments even though they are not taxable. Some of us receive a bank credit; some a debit card; some a check. Even if you don’t have to file, you should file so scammers can’t use your SS number to mess up your IRS file. Tested E file software ratings. Efile Jan 15; IRS processing Feb 12.

E file avoids covid at your preparers’ office: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free

What to do if you can’t pay by May 17?

Avoid the penalty for not paying estimated tax. Ask for an automatic extension to file till October. If that does not work for you, you can apply for a payment plan. An individual can setup an IRS installment plan if you owe $50,000 or less and can pay back the amount owed in 3 years. If you are a business owner, you can setup an installment plan if you owe $25,000 or less. The IRS will charge a one-time fee of $105.

If you own less than $25,000 and can pay the amount owed within six years, ask the IRS for a streamlined payment agreement. The IRS will charge a one-time fee of $102.

Request an Offer in Compromise if you cannot pay the total amount owed. This allows you to settle your tax debt for less than the total amount owed if you will be unable to pay back the total amount owed within 10 years. The IRS will charge a one-time fee of $150. Given the pandemic economic hardship, apply for the extension to file now: https://www.irs.gov/pub/irs-pdf/f4868.pdf

Special circumstances help: call the IRS Taxpayer Advocate Service 1-877-777-4778 for free assistance.

More ways: https://www.irs.gov/newsroom/heres-how-people-can-pay-their-federal-taxes

IRS has $1.3 billion refunds for 2017 tax returns

Unclaimed income tax refunds worth more than $1.3 billion await an estimated 1.3 million taxpayers who did not file a 2017 return, according to the IRS. “Time is quickly running out for these taxpayers. There’s only a three-year window to claim these refunds, and the window closes on May 17.” If they do not file a tax return within three years, the money becomes the property of the U.S. Treasury. Filing instructions are available on the IRS.gov Forms and Publications page or 800-829-3676.

You have 17 days to collect your cash!

**********ACCOUNTABILITY**************

Like 1776, this period is a test of democracy—We rejected an "American fascist"

One woman vs The Big Con

Then they came for me—and there was no one left to speak for me.

One person stood up to McCarthyism too

Are Christian Nationalists anti-democratic?

Crazy GOP: Jan 6 coup was “a normal tourist visit.”

First active-duty service member charged over the Capitol attack.

When ‘Truth and Reconciliation Commission’?

How Govt wastes our money:

Hackers shut down pipeline to the East Coast: Let’s hire hackers--not pay $5 million!