Teach you kids to triple their assets

 Make the new year better

New year fresh start for your kids/grandkids

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. We have used this 'Wealth Reserve' as I call it to have funds to use low-cost high-deductible insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a monthly in a retirement supplement. Your kids use the Buffett investment strategy for any amateur. Buffett recently proved his method, though simple, beat the strategies of the best hedge funds. Start with only $1,000.

Start in 30 minutes: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

 

Why our readers use low-cost efficient Vanguard funds

World's greatest investor's retirement advice: Retirement income for life from 2 Vanguard funds. Avoid “high-fee managers” Warren Buffett's personal will provides for his family by directing that his cash assets be invested in just two Vanguard funds: One will provide cash for the coming year and the other will provide a sound future. The best way to protect your family's future is to be invested in the stock market, Pure and simple. When you have stock assets, your money compounds at higher rates when your account fees are 0.01-0.05%, not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide your financial sales firm with higher revenues. The average investor earns just 3.79%, not the 10-12% market rates. (QAIB)

 

2021 Total Return Fund                    Long-term Return      Longevity

29.0% 500 Index                                             11.2% since 1976

27.3% Energy                                                    8.8% since 1984

12.9% Extended Market                                  10.7% since 1987

14.7% Health                                                   15.8% since 1984

00.0% International Growth                              11.4% since 1981

22.2% PRIMECAP                                         14.0% since 1984

17.8% Small Cap Index                                    10.6% since 1960

08.4% Wellesley Income                                    9.6% since 1970

28.0% Windsor                                                11.4% since 1958

29.2% Windsor II                                            11.2% since 1985

18.9% Average                                                11.5% *

            *Average Annual Returns as of 12/31/21

 

Use the Buffett strategy: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

 

Why automatic investing is so successful

If your investment plan is NOT on automatic, you may be missing the second best strategy. After the miracle of compounding, investing every month—buying more when prices are low and less when higher—usually beats market timing. Think of it: you don’t need to decide when or how much to invest. There is no rush to buy on the dip or guess when your stocks/funds are at their peak gains. You don’t have to fret that you may have missed the 10 best days of the stock market rise each year. Proof: Fidelity analyzed the most successful retirement accounts of all its clients. The most successful accounts were those that were NOT changed—no selling. The accounts that were forgotten or client died gained the most over time. Investing benefits from the miracle of compounding—dividends/interest reinvested—when there is no market-timing buy/sell trading. Auto-invest strategy takes our emotions out of the process. We don’t miss the best 10 days of gains since they are NOT predictable. We don’t sell at the wrong time.  

Ride the wave: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

 

 

Is Bitcoin right for you?

If you own BTC you have had a wild ride this year. If you don’t you probably earned 27% in the real market. If you own BTC you know this is a speculative play and if you cashed out at $50,000 before it fell to $31,000, you are probably happy. If not you are sad. There are many professionals that feel this game is worse than the Ponzi scheme of Madoff. Why? Because there is nothing real here. And you can’t use it to buy anything except in El Salvador and Tesla auto. And many accounts have been hacked. You may be able to make money with your account but it is hard to guard the value. It may drop a lot on one day but you never know how much you will have from one day to the next. Yes, there are folks who have won the lottery in Bits but not everyone wins in Ponzi schemes. One unit is $50K or more so you can’t create a 401k this way. The tax situation is fluid too. The IRS has not figured out how to regulate this phantom yet.

Use a real tax-free account with real money: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

 

Why Mad Money Cramer recommends index funds

AARP interview: “If you’re going to buy a company’s stock, you have to know what they do. You have to know who their clients are. You have to know how they do when the economy’s doing well and when the economy’s doing badly. You have to read articles about the company. You have to read the [transcripts of] conference calls [in which companies discuss their financial results].​ If you don’t have any time, you just own an index fund; you own good with the bad. It’s perfectly good for an individual to own an index fund.​ People are unwilling to do the work. I have friends who tell me, “These stocks seem OK, and so I’m just going to buy them.” And I’m, like, “No, please don’t do that. Please don’t do that.”​ The 500 Index fund only has the top grossing firms. They would not be in the 500 fund if they were ‘bad,’ as Cramer said. Over time, the average advisor account earned just 6.2% vs 500 index 10.7%. Picking a successful individual stock is a lot harder than Cramer implies. Every analyst picks bad stocks, even Cramer. Warren Buffett’s unbiased advice: buy an S&P 500 index fund.

Take their advice: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

 

Wealth building hype can mislead you

Most articles you read about investing are written by journalists, not actual investors or folks who work in the financial field. Building wealth takes time, patience and commitment—all of which don’t sell books, magazines or TV shows. One article says you can start with $1 using an app. No. A low-cost investment account requires $1,000 to start. And $250 a month for about 30 years will create a nest egg of $700,000. It also promises that a “quality financial advisor could turn $500,000 into $3.4 million in 25 years.” No. The average advisor account earned just 6.2% vs 500 index 10.7%. A prominent financial analyst calculated that the average advisor fees will rob you of up to 63% of what you could have had using a low-cost stock market index. Pay more; earn less. The article promises to cut your car insurance by $700 if you use the author’s sponsor. No. All financial firms promise huge savings using one very unusual example. You may save by shopping 3 different carriers every 2 years but you will need to change your deductibles, drop coverages and benefits you don’t need. You may save $700 over 10 years or more. The article promotes a home warranty so you “don’t have to worry about fixing your home” heaters/appliances. No. These contracts don’t cover everything that goes wrong and cost more over time than you could accumulate in an account. The article also claims you can make “some money” watching videos and taking surveys online. No. Your payment for a survey is no more than $10. Use the time to learn how to build wealth from those who have actually done it like Warren Buffett and John Bogle.

Their strategies actually work: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

 

 

 

?**********ACCOUNTABILITY**************?

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

 

Proud Boy: 'We took the Capitol’

 

Who paid for the Jan 6 Coup?

 

Most terrorists free … to try again

 

Trumpers purge the disloyal

 

Big money pays Big Lie

 

Defense mandate ignored

 

Terrorists blame gov spys

 

How Govt wastes our money:

FL makes new record cases 31,758: state health public policy to kill people is working 

National guard spreading covid in some states: will military side with terrorists?

Biden hides Trump documents: Jan 6 coup-attempt terrorists applaud

 

 

SCAMS/SPINS:

GOP has changed voting laws in 17 states to make sure they don’t lose elections: Fix is in

Sue for Truth: GA poll workers sue One America News, Giuliani debunked fraud claims

Trumpers fire death threats at folks the Leader doesn’t like: no one left to oppose Leader

 

GOP abortion bans: few men rethink family planning choices

 

German pastors giving vaccinations for all to save lives

When will airlines make vaccination mandatory so all flyers protected? 850,000 dead

Anti-vaxxers need own hospitals so I can get my surgery: their ‘personal choice’ hurts mine

“Guns for protection” fails: gunman shoots, kills before victims have time to draw/shoot

 

Who leaves loaded gun around 3 year old: killed herself on Christmas

We are killing each other faster than ever

 

Airlines switch to cooking oil to cut jet emissions: funny smell in the air

Kia and Hyundai engine fires draw regulator probe: 2011-2014

Drug stores refuse blame for opioid deaths: makers went bankrupt; doctors fight suits

Medallion Financial caught inflating stock price: lender to taxicab medallion buyers

 

Jobs

Raises for senior staff: if inflation is 7% my salary increase must be 10+%

Unemployment comp raised for anti-vaxxers only in GOP states: buying votes strategy?

Can anyone live on $7.25? 20 states remain below poverty: $15/hr is goal in most

 

Who owns your account now?

Gov stops Tesla from letting drivers play video games while driving: See why need gov!

See why need mandate vaxx: Pediatric hospitals in states filling fast: Save our kids!

Gov pays for your funeral from Covid: vaccine costs less

 

Metromile to Lemonade: app to measure how much and how safe clients drive.   

Our home prices surged 18% in October: Phoenix up 32.3%

Morgan converts mutual funds to ETF to compete for new money: stop share loss

 

Miracles:

TSAer jumps line: saves infant not breathing: Santa spirit is everywhere

Virus-shapes decorated deserts at Prague café: creativity fights plague

Covid pills for specific use: you gotta read the directions if your script is filled

 

Unmarried advisor to millions of couples offers marriage advice: “Please, Thanks, Sorry”

Best of 2021 events: Cheney & Kinzinger stood against the overthrow of our government

A 6th Grader Saves the Lives of Two People on the Same Day

 

Jan 1 ’22: Congress ban most unexpected charges from out-of-network providers:  YES

Alaska sets December temperature record at 67°F: 67 Wow! Dec 26

Tahoe snowfall 202.1 inches breaking a 50-year record.

 

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/

 

How much does it really cost to invest?

How much does it really cost to invest?

Warren Buffett suggests we invest in two low-cost funds at Vanguard for life. He thinks John Bogle, Vanguard founder, was right—low-cost investing beats Wall Street advisors over the long term. Trading securities does not pay unless you have insider information (which is illegal, except for Congress). Bogle calculated that, over our investing lifetime, that little 2% broker/advisor fee will erode 63 percent of what you would have had. As Bogle puts it, “the tyranny of compounding costs” is overwhelming. Do the facts back up these claims? Buffett bet $1 million on the Vanguard 500 Index and beat 5 hedge fund strategies from 2008-2017. DALBAR tracks investments over time. They found that a simple S&P 500 index fund earned 11% a year over time while the average equity investor using a manager earned just 3.79%. “Cost matters” as Bogle used to say.

Pay less; earn more: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

Trump tax returns may not reveal his hidden tax avoidance schemes

Since the 70s, Trump has been paying accountants and lawyers to hide his income and net worth for tax and negotiating reasons. With over 500 subsidiaries and entities, his situation may be difficult to understand from tax returns. He has been involved with foreign entities and shady characters for many years. Trump uses the alternate American tax system—the one designed for the wealthy. Tricks and perhaps illegal financial practices have stumped his bankers and auditors. His specialty is real estate which is one of the best methods of avoiding income taxes. When you buy a building with a loan, you can deduct from rents all the expenses and maintenance and ‘depreciation’—the full cost the building can be used for years to provide tax-free cash. For instance, in 1995, Trump paid no tax on his income of $10,846,076 because he had ‘paper losses’ of $915,729,293. That $ BILLION ‘paper loss’ would enable him to avoid taxes for up to 18 years. Each entity can have ‘paper losses’ for years. Plus Trump wrote off his loans for his bankrupt casinos, resorts, and buildings. And Mr Christie, Gov of NJ, even cut his casino taxes from $30 million to $5 million. Even his profitable golf firm in Westchester worth $50 million on some of his statements pays taxes on only $1.4 million tax assessor’s value. Jared has his own little tax avoidance gig going on too. He’s in on Dad’s new tax scam.

We pay Trump’s taxes: https://www.amazon.com/Americas-Socialism-Only-little-people-pay/dp/1535218584

Is it too late to file taxes?

Before spending $200-400 for a paid preparer, try filling in the screens using the IRS partners at irs.gov https://apps.irs.gov/app/freeFile/. The instructions are easy to follow especially if you have last year’s return to compare what forms you need. I have found https://www.freetaxusa.com very easy to negotiate and respond to email questions. This one charges only $15 for your state return: Fed is free. It is still $15 when as complicated like mine. Basically, you must pay tax on all your taxable income—wages, pensions, etc. This year you have less to deduct because the standard deduction was doubled. Beware some software glitches. However, you lost the personal exemption of $4,050 for yourself, your spouse and each of your dependents. For each child under age 17 you receive $2,000. In high property tax states—NY, NJ, CA, CT, etc you will probably owe this year. The deduction cap is now $10,000 and the average homeowners in these states pay about $20,000 property tax. The law was written by a Rep from a Red state.

Try software at irs.gov https://apps.irs.gov/app/freeFile/ before you go to paid preparers. Penalty for underpayment modified this year. Get extension: https://www.irs.gov/forms-pubs/extension-of-time-to-file-your-tax-return. Check the status of your fed refund: https://www.irs.gov/refunds

Use your tax refund to create a $1 million retirement fund

Michele had trouble saving. She seemed to always be waiting for her next paycheck. She never had enough to save for a rainy day like her Mom did. She used to make about $35,000 as a shop manager but with federal, social security, Medicare and state taxes, unemployment, disability, and health insurance, she was not able to put anything away for retirement. Years ago, her local tax preparer suggested she use her tax refund to create a retirement fund. Usually Michele would use her refund to pay bills or buy something special. The tax preparer said that if she agreed to start an IRA with $2,000 of her refund, she would be able to increase her refund--Uncle Sam would help her save. The amount she invested would reduce her income and make her refund larger. Each $2,000 would grow over time if she left it in stock mutual funds in her IRA account. Over time, it can grow large enough that she will have enough for retirement. 

A Plan for those who have NO 401k at work: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

Are you driving the best car for under $30,000?

10 Most Comfortable Cars Under $30,000: Volkswagen Passat has one of the roomiest back seats in its class. Kia Optima added a suite of driver assists as standard equipment. Hyundai Sonata offers a wide range of models and powertrains to match your budget. Buick Regal Sportback has liftback body in addition to its upscale feel. Chevy Malibu has exterior style to go along with its comfortable interior. Subaru Legacy Outback offers the rugged good looks in a useful wagon body style and dependable all-wheel drive. Nissan has answered critics of bland styling with an all-new Altima. Toyota Camry’s great resale and dependability make this comfortable 4-door sedan a contender. Solid handling, low ownership costs and high resale value all add up to a winning formula in the Honda Accord. Chevy Impala has plenty of room front and rear and stellar infotainment. Save up to 40% on a 3-year old model: quality and VALUE.  

Save with insurance discounts: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Is Medicare for All right for you?

Medicare is not socialized medicine. Socialized medicine is where the government owns the hospitals, owns the labs, owns the MRI and CT machines, and all the doctors and support staff are on the government payroll. That’s not what Medicare is. In our current political fight, some GOP are using old fears of Russian-style ‘socialism’ to discredit the discussion of finding a more effective system of medical car and payment in America. Medicare pays for the high-cost end-of-life expenses and high-cost chronic conditions. Yet, users pay only $135.50 a month from their SS benefits. For-profit plans cost over $400 a month if you can find one in your state. Medicare is national: You pay $185 per year in 2019 for your Part B deductible. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services. Some buy an Supplement for these. Your hospital coverage (Part A) is usually free. If you have not paid for Part A during your working life and you buy Part A, you'll pay up to $437 each month. Part C pays for drugs and costs vary depending on your needs. Congress could change the law and negotiate the costs for all of us so our costs are in line with all the other countries in the world. Some pay 50% less than we do for US drugs. The reason we do not have Medicare for All now is simply money. The clerk at my for-profit health insurer decides which procedures and care I receive. The company CEO makes more bonus if the clerk excludes some treatments and procedures. My doctor and I have little to say in it. Lobbyists get $160 Million to tell Congress: “NO MedicareForAll”

Medicare for All is worth a try!

Did you know your mutual funds make money even when the fees are ZERO?

When you invest in a fund, the manager buys your share of the stocks in your fund. For the Vanguard 500 Index Warren Buffett recommends, it owns shares of the top 500 companies. Because most investors are earning 11% a year over time, the stocks in your fund are held a long time. Your fund then loans the stocks out to other institutions that need them temporarily for a rental fee. This fee is what allows most funds to charge 0.04% or less. If your fund has millions of shares, they can make a lot more than your fees. So fees are falling and some are charging ZERO. However, depending on your agreement, you may be giving up your information and perhaps good service. So you may find ‘free’ is not really true. Some firms could start charging you after they get your money. Some could start using your information or selling it to target you for sales of other expensive products. Best Robo-Advisor is low-cost and unbiased advisor.

NO FREE LUNCH: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

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Make America, “The Don”, Great Again

Senile Psychosis or Parkinson’s delusions? quetiapine and clozapine

Truth isn’t truth, his lawyer says

“The campaign -- for him -- was always a marketing opportunity.”

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

Will voters who need ObamaCare vote for it?

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

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

Trump having a hard time finding the kids he wrenched from families: Cost $1 Billion

Trump told border agents to stop entry; close border: supervisors said ‘no’, follow law!

Violates own oath of office to uphold constitution and laws of US. Dictator orders illegal

SCAMS/SPINS:

Scott Klor caught involved in life insurance scheme not reported to firm. Fine no jail.

Law about Trump’s taxes is ignored by GOP, DOJ, Treasury, IRS. Trump above the law?

Wall funding reduces armed forces readiness: Pentagon shifts from regular needs.

Trump projects his USSR involvement on Dems: “Treason” when disagree on WALL?

Advertising agency Publicis employee sues Fidelity for 401k overcharging/kickbacks.

Financial crisis from corporate leveraged loans: Trump gutted regs learned 2007-8.

Richard Booy IL caught Ponzi $2 million from seniors promised guaranteed returns.

Senior Safe Act: Money advisors can help stop scammers by reporting abnormal acts.

BEWARE: 95% Of Bitcoin Trading Volume Is Fake—‘pump and dump’ is it’s normal

First Command financial may have illegal firing problem from an Air Force vet.

Anthem Health caught overcharging employees 401k records and funds. Fine, no jail.

Hedge fund has large returns but doesn’t pay taxes: how the other half lives

America’s attorney does what Trump tells him: FBI spies on USSR into Trump Towers

Insulin makers’ CEOs double price: Gov does nothing about life-saving drug prices.

Elder joint brace scammers caught stealing $1 Billion from our Medicare fund

TX wants to kill a woman if she has an abortion: Nazis go legal in TX.

Most of us will live longer: Your-Plan-Live-Age-100/dp/1548180793

Famous Black Hole in universe where nothing can escape except radiation around it.

Trump blames Obama for putting kids in cages: he claims he stopped it! INSANITY

Mueller ignores Mob Boss family Russia deals: OK to conspire with enemy & obstruct!

1. “Russia, find Hill’s emails” 2. Don’s Mob made Russian deals 3. Russia intel tricked voters 4. Polling data payoff 5. Special Russia deals 6. Fire FBI 7. Refuse give testimony

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.

‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.

Supremes protect Don’s ‘Orders’? – GOP: ‘Sure, pres can change Constitution anytime.’

Jobs:

Why people don’t vote: Reps get to Wash--subsidize largest corporations Boeing GM etc

Is your child ready to tackle life’s financial obstacles to happiness?

ADM grain trader layoffs in American

Retailers close more stores as online buying shows vitality

Ex-Pope blames society for child abuse: ‘seminaries filled with “homosexual cliques.”’

Who owns your account now?

Ameriprise Financial Auto & Home to American Family

Centurian retirement plans to Marsh McLennan

Blue Prairie Group to Cerity Partners

FiduciaryVest to Captrust

Wells Fargo’s retirement plan services to Principal Financial Group 

First time home buyers: Look before you leap to be successful at BIGGEST buy! 

Foresters Financial to Cetera

Miracle:

Opioid antidote can save addicts from death: tests continue.

United says, if they overbook, they won’t break your nose, drag you off plane anymore!

Woman has bees living in her EYE: Miracle they were alive and so is woman.

7-11 store owner caught teen stealing food: not arrested—Mr Singh fed the hungry.

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

A Miracle

Best New Year Resolution: Start Wealth Reserve^TM Jan for $1 million later

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

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

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

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

Young investors who bet against election lost 27%

Thinking the defensive market—gold and silver—would soar because Trump won young investors bought metal ETFs and sold bull market index ETF. The average performance of the five ETFs most favored by millennials since the election fell 27 percent. When we try to time the market with tactical trades, we turn into adrenaline junkies, choosing triple-levered oil ETFs and other products that have up to 14 times the volatility of the S&P 500 index as our preferred trading vehicles. Index up over 12%.

Leave your money alone to work: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Happy NEW Year—Mutual Fund Fees Fall

Vanguard cuts fees again as investors flee remaining “high-cost” managers. If you used the 30 year old 500 Index, your account went up nearly 12%. If you used an advisor, you probably saw 2% less. Two percent less every year you invest for retirement could cut your potential nest egg by 64%. Why? Miracle of Compounding works in reverse too. Unless your advisor is able to beat the market and the fees over time—and few have done it—you are only hurting yourself. Vanguard cut fees because we investors own Vanguard and as it drains the for-profit fund families, we benefit from ‘buying in bulk’. We go to Costco for the same reason. Fees are important as this young man told his father.

The Vanguard Top Ten earn 11.5% over time:

2016 Total Return             Fund     Long-term Return           Longevity

11.9%              500 Index                    10.9%*            since 1976

33.1%              Energy                         10.9%              since 1984

16.1%              Extended Market         10.7%              since 1987

 -9.0%                         Health                          16.4%              since 1984

1.7%                International Growth   10.0%              since 1981

10.7%              PRIMECAP                 13.4%              since 1984

18.3%              Small Cap Index          10.7%              since 1960

 8.1%               Wellesley Income        9.9%                since 1970

12.5%              Windsor                      11.3%              since 1958

13.4%              Windsor                      10.7%              since 1985

11.7%                                      Average 11.5%

*Average Annual Returns as of 12/31/16.

Create your own $1 million future without advisor fees that can take 63% of total:

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

FREE tax preparation

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

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

GOP religion has captured every president—will Trump surrender?

Our past presidents have given into the temptation to remake the world into our image of a Christian evangelical nation. Nation-building has been our undoing. In arrogantly thinking we could redeem the world’s peoples by either saving them for Christian democracy or saving them from ‘godless’ faiths by destroying them, we waste a lot of human and monetary capital. Remember Bush II promised NOT to listen to that siren song. Bush II listened to his advisors and invaded 2 countries. We have spent $ FIVE TRILLION so far. At least 1 million human beings are dead. We have redeemed no one and we owe about $5 trillion to other countries, including China.

The Don has promised his Wall, more nuclear bombs and more military by cutting health care and SS benefits. Can he avoid evangelizing?

GOP health care plan to replace ObamaCare is old tax credits—we pay, then deduct

If you can find coverage under TrumpCare, it may not provide full comprehensive care—all the requirements for free screening and coverage under ObamaCare may be gone. Trump never had to shop for affordable family coverage. Millionaire congressmen receive full coverage (even if sick) paid by taxpayers but they have voted 60 times to reduce/cancel ObamaCare. They don’t realize how hard it is to get coverage. They reject the mandate that eliminated the junk policies that were sold to low-income folks. These plans paid little or nothing because there were no minimum requirements. GOP rejects the law because it did not reduce costs. GOP plan will provide tax credits to offset part of costs of new stripped-down plans. GOP thinks consumers will force prices down by rational buying. We will have to navigate the details of the new plans despite the fact that hospitals and doctors do NOT publish costs or success rates. Lobbyists insist marketplace competition reduces costs like buying TV. But without preventive care, emergency care will become the norm again. Many states will stop offering expanded Medicaid coverage to the working poor. They can’t afford it without Fed help.

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

Prez Trump does own “research” @Infowars.com, breitbart.com/, Twitter, cable TV

Trump tells GM to make Chevy here not Mexico: his “research” failed—Made in USA!

The Don says he knows more than the CIA FBI about Russia’s hacking our elections: “I also know things that other people don’t know, we they cannot be sure of the situation.” Promise to tell his secret on Wed: broke promise and we are tired of lies

In rare event, Fox retracks claim on food stamp fraud but uses wrong data—Fox=Lies

GOP conned Trump on plan to replace ObamaCare—tax credits and voucher

He does not check rightwingwatch.org/ factcheck.org/ to verify the information used to rule us.

Will he push the nuclear button by mistake?

We are entering the Twilight Zone:

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

Rod Serling

  

THE DON’S 282 PROMISES

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

The Trump Presidential Style

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

Remember, Don Trump is still a contractor from Queens NY, just richer than most.

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

The Don keeps  “friends” the mob closer than enemies—150 own his future income

Worries about old TV ratings holding up

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

Tweets misinformation all night

Revenge for social slights

Stiffs his vendors $3 million

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Promises and Actual outcomes:

We’ve been trumped: You and I will pay for his WALL; Mexico “repay later” is B.S. like his Scottish golf wall, he builds it then sends bill, then writes cost off his taxes—so we pay since Trump pays no taxes. Promised tax return and never delivered. Stiffs vendors.

The Don defends Putin Great move on delay (by V. Putin) - I always knew he was very smart! Kiss Kiss; despite possible cyber attack on VT utility. Russia’s hackers disguise origin by passing leak email through 3^rd party to Wiki. Would he dispute incoming missile too?

GOP first act: get rid of their own watchdog—Congress Ethics independent investigator.

The Don promised to share secret about hacking on Wed 1/4 but had no secret.

India blames their women for men groping women in public like Trump “They let you ..” 

“Repealing ObamaCare” is war-cry past its prime and Trump knows workers will be hurt

Repealing tax on estates over $11 million will cost $269 billions: more loans from China.

Jay Clayton, SEC, former Wall Street lawyer representing banks in suits against govt, will now be in charge of dismantling the regs Trump promised to end. Fox guarding hens.

Tolerance is un-American now?

Even Genghis Khan, 1206, accepted Muslims fairly.

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

ISIS wants US to hate Muslims so more young Muslims will join ISIS

Regulators are the only protection against corporations since we can’t sue anymore

            “It is nearly impossible for one individual to take on a corporation with vast resources.”

               Supremes stop us from suing—State courts no longer available to sue corporations!

Wells Fargo caught not providing equal opportunity to some brokers: $35 million worth

Equifax, TransUnion caught deceiving consumers re: usefulness and cost of credit scores

Estate tax repeal changes strategy for state tax avoidance—lawyers win

GOP told to allow banks to speculate with our money for profit (kill the Volker rule)

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

GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.

Police want gun control.

When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

TX wants everyone to carry gun everywhere and you don’t even have to know how  

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

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

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

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

SCAMS:

IRS does NOT call, email to collect taxes—report to the Treasury Inspector General Administration (TIGTA). They send letter called CP or LTR

Ignoramus Award:

Dog bites owner trying to force it into Ugly Sweater in FL. No one wears sweater in FL

Palin and Hannity now think Wiki Assage is hero; last year he was al-Qaeda 

How our government wastes our money

Wars not declared cost $5 TRILLION so far: We could have fixed EVERY bridge and road and created 4 million jobs.

Navy gets 9 new ships and no one knows how much they will cost or if afford them

Bundy still owes US over $1 million and has not been arrested or bank account seized???

Trump does not believe the CIA/NSA so let’s save $400 million a year he believes Putin

Trump GREAT WALL will cost us $15-25 Billion—Mexico will not have to pay

Where have all the jobs gone?

There are many entry level jobs which cannot support an adult or family because of low wages and/or part-time hours. They attract only people who can’t read or follow instructions so businesses complain about schools. Cycle: low pay poverty = low skills = low pay jobs outsourced. America’s average income has not risen since 1970 but prices have.

America is becoming third-world country—5% own everything and 95% live paycheck to paycheck.

Macys cuts 10,000 jobs closes 68 stores, Sears Kmart closing list

Who owns your account now?

Legend Group to Lincoln Investment Capital Holdings

Miracle:

$250 a month for $1million tax-FREE when you need it

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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