Let's reform tax code by cutting corporate subsidies and hiding profits overseas

Better way to ‘reform’ tax code is eliminate corporate subsidies and tax shelters!

Cut the subsidies and tax tricks used by corporations and wealthy to pay less tax. GOP adds $1.5 trillion to the deficit, cuts $4 trillion in spending including nearly $500 billion in cuts to Medicare and $1 trillion to Medicaid. Don’t believe that an explosive economic growth, jobs and high wages will make up for it. KS tried tax cuts and nearly went bankrupt. Quality of life fell. People left towns. Bush tax cuts also made deficit grow. Many large profitable companies pay $0 tax: ATT, WellsFargo, Chase, Verizon, IBM, 258 more. Tax cut means nothing—jobs created overseas where untaxed profits go! Trump mob do NOT have ‘wage’ income so they don’t pay income tax. All their properties are inside tax-advantaged entities and so deduct tax as business expense. Consider Trump lives at Trump Tower, a tax-advantaged entity. All his golf clubs are tax-advantaged firms. So eliminating deductions won’t bother his class. The estate tax does, so it is GONE. He reduced the tax on his class’s entities to 25% not 35%. Foreigners get more. Many middle class homeowners may have a tax increase if they cannot itemize deductions for state/local income tax, property tax and mortgage interest.

Time for YOUR tax shelter: https://www.amazon.com/Tax-Shelter-for-Americans/dp/1500426520

Buffett’s Simple Low-Cost Investing Beats Wall Street, Again

Warren Buffett has proved it, again. You do not need Wall Street 'professionals' to reach your financial goals. In fact, if you use them, you may give up 63% of your potential accumulations because of trading, charges, commissions and fees. Buffett made a bet with a hedge fund manager for $1 million 10 years ago. So far Buffett's strategy has earned over 7% a year versus 2.2% for Wall Street's best and brightest. Buffett has advocated a simple low-cost strategy for decades: Buy the stock market index in a fund like Vanguard's 500 Index. Invest in the market returns consistently and you will do better than everyone you know. Instead of $854,000 at $250 a month you end up with $220,000 because of Wall Street costs. Over the long term, your returns would average over 11% per year. DALBAR keeps track of returns and found that the average managed-account equity investor earned just 3.79% a year over 30 years ended 2014. The benchmark returned 11.06%.

Use the Buffett strategy and KEEP more of your money: https://www.amazon.com/Buffett-Strategy-854-000-not/dp/1978481020

Here is another reason to switch your advisor to Buffett

Advisors and brokers can have complaints about their work “expunged” from their public record so you don’t see them. You are NOT protected by the industry that exists to profit from investors. In fact the industry trade group, FINRA, does not keep a list of the firms that keep employing the brokers with the most complaints. However, SLCG shows you which firms have the highest ratio of brokers with complaints. Some firms keep 25% of their brokers with complaints. Most of us would like to know if our firm keeps employees that seem to have many problems. The industry trade group relies on firms for its fees so the information is here but without some “erased” data. Often those with a ‘rap’ sheet will move on. We do have the big picture. Some well-known firms are at the top of the list: Oppenheimer, Stifel, UBS, WellsFargo. Another measure is the pending complaints: UBS and MorganStanley have higher ratios. The most common complaints are excessive trading and illiquid securities. This study used BrokerCheck but it is not complete.

Let Buffett be your ‘advisor’: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

What is wrong with your advisor’s annuity?

Pitch: guaranteed income for the rest of your life, guaranteed base earning rate, you can participate in the market upside, no market downside, earnings grow without taxation, no annual contribution limits like 401k, tax-deferred savings, could keep paying spouse or heirs, even if your insurer quits you have state guarantee.

Insurers are pooling your money with others and can make big profits: your guaranteed income amount worth ½ after 20 years or stops on death, taxes due on each benefit check, guaranteed base rate is very low, market participation is limited, reduced benefits for multiple beneficiaries, state guarantee is small amount. Advisor’s highest pay sale!

Some types might help you: https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019

GOP religionists create fear and anger—to power the dictator

Why is an evangelical pastor and Trump supporter saying Catholicism is a “cult-like pagan religion” and the success of the religion is due to “the genius of Satan”? This Southern Baptist pastor says that the Roman Catholic Church is the result of the Babylonian cult system founded by the Book of Revelation in a video. The ‘president of the United States’ is promoting this guy and his poison like the religionists did against John F Kennedy. The president vowed to represent all Americans. Why promote this hate of a religion as a satanic cult? How does that help ‘America Be Great Again’? It does not. It makes us small and weak. We are no longer the America respected in world.
Dictators love to divide society in order to control groups and hide their destructive power. Exclusion ideology of hate is NOT Christianity but idolatry of tribe.

Has TIAA the largest university pension system lost its fiduciary past?
Many university personnel trust this ‘non profit’ to give them unbiased advice. Now former staff members are claiming sales staff is being pushed to steer clients into higher fee products. A training update to wealth management advisers, provided to The Times from a current employee, came as the new fiduciary rule was being finalized. It told advisers “to avoid accidentally implying that you may be acting as a fiduciary,” when having educational conversations with clients. They should avoid “referencing the participant’s best interest” and “discussions regarding TIAA’s not-for-profit heritage.” But that trust is all that TIAA has. It is not the lowest cost and it is not the highest service fund firm. It seems to forget what its mission is: always from the client’s interest.
Along with many on Wall Street, TIAA argued against the fiduciary rule.
https://www.amazon.com/Fiduciary-Rule-BEST-dont-give-fees-anymore/dp/1530980275

Where is your long-term money?
New study claims residential housing is your best friend. Table 6 shows that the main reason risk-adjusted housing returns are higher is the lower volatility of house prices. Both rental yields and dividend income are relatively stable for all years and countries throughout the sample. However, the standard deviation of equity prices is double that of housing prices over the full sample, and around 2.5 times that of housing prices after 1950. Equity prices have experienced large swings and high-amplitude cycles throughout the course of modern history. Moreover, capital gains—the more volatile component—are responsible for a larger share of equity total returns than they are for housing. These two factors have become even more relevant during the post-WW2 decades. In the US, the difference in total return (gains + rent) is hardly noticeable: 11.13% vs 11.08. The big difference is the volatility in capital gains for equities (SD=8 vs 18). Costs matter!
Buy and hold both so you gain 11% in most markets: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Do you need a safe car that is worth what you pay?

Cars should protect you in a crash. If they are made well, they should retain value if you ever need to trade them in. This list of 20 cars may be your starting point. Save 40% with used luxury cars that Consumer Reports tested. Avoid these 10 cars.  According to Consumer Reports, they are the worst—not safe, not fun, not comfy, not easy, not soothing, not quiet, not reliable, not worth price, not anything. Check reliability rating at JD Power: http://www.jdpower.com/cars/awards/Vehicle-Dependability-Study-%28VDS%29-by-Category/1882ENG

And the discounts on insurance: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

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

TrumpWorld

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

GOP religion whipped up to sell TV show and Trump brand; and get elected

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

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

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

Trump’s group places mob ties above country; it’s about money-POWER not US service.

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

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

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

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

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

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

Putin hired activists to stage demonstrations and promote divisive content. 

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

EPA not protecting environment by silencing scientist—Denial is NOT a policy!

Trump will repeal pollution controls already agreed to by truckers just to spite Obama

Trump’s middle-class tax cut is a tax give-back to the 1%: 67% of total for rich

Trump: “I totally changed our military, I totally changed the attitudes of the military and they have done a fantastic job," I,I,I.

"ISIS is now giving up, they are giving up, there are raising their hands,” Trump claims.

4 Green Berets killed by ISIS Oct 3 in ambush not expected and not supported.

Trump in July: I will give you $25,000. Check arrived 22 October. Deductible?

GOP lawmakers weighing “sharp reduction” to 401k tax-deferral—Trump “No change” ?

My Theory:

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

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

Weinstein firm propped up by Trump’s funder, Vulture Capitalist, Barrack

Trump ‘drawing’ sells for $16,000—beat last price of $100

Junior now getting $400,000 for GOP races from wealthy: tax cut pays for GOP.

Dictator talk time:

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

Propaganda: 46% registered voters believe news outlets fabricate stories about Trump. 

Repetition of lies works for political propaganda just like selling soap. Most want ruler.

Trump puts atomic bombers on 24 alert—first since WWII for WWIII—end is near?

Trump won the war of minds in Senate: 2 critics quit instead of fighting for America!
 Putin’s Revenge how Putin from a low-ranking KGB agent to the long-serving president

NKorea has more guards on monuments to Kim family bec/ disgruntled/hungry citizenry.

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

NRA: The Don is victim of most "ruthless attack on a president.... in American history".

Gingrich: Trump compared to Andrew Jackson who also hated people of color.

Trump’s TX racists say Americans in Puerto Rico don’t deserve help for worse storm

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

Quid pro quo: "something for something."

Trump says he will pay lawyers for his mob but has failed to pay in the past.

GOP bans our right to sue banks and we must go to bankers’ arbitration: banks win.

Trump calls addiction national emergency but cuts funds to treat additions. Just BS.

GOP voter suppression by threats of jail: AL GOP may jail voters who voted.

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

           

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

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

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

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

Bernard Parker, Indiana, PA caught selling fake tax liens repay $1.2 million from prison.

Trump ACA cuts mean don’t retire early: you may have to go ‘cold turkey’ on coverage.

GOP bans our right to sue banks: no more class-actions to catch WellsFargo crime.

Trump cancels reg for local office of TV/radio for community feedback. Centralize GOP propaganda.

OH gun toters not worry about NOT telling police about gun in car. Road Rage Bonus!

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

Tillerson calls Trump a ‘f__king moron” ‘MORONIC’ LIAR:

“One of the great memories of all time” I don't remember saying that.

How Govt wastes our money:

300,000 US troops in 150 countries: Costs $700 Billion to be police the world. More.

CIA covered up any self-indicting JFK documents since 1964. No answers but theirs.

SCAMS:

Tax-free income ideas are NOT great ways to obtain income. Small business is the best.

IRS tips to fight Ransomware that locks your data up—don’t pay since you won’t get it.

Avoid these car sales tricks: you must be aware of these tactics to protect yourself.

Trump cancels ACA health subsidies for opioid treatments AND declares emergency

Trump’s opioid declaration: BS--he canceled his addicted brother’s family insurance too.

Jobs:

Yankees need new manager: Girardi fired

Who owns your account now?

Aetna’s life and disability insurance to Hartford

Medicare or Medicare Advantage?? https://health.usnews.com/health-care/health-insurance/articles/2017-10-23/medicare-vs-medicare-advantage-how-to-choose

Miracle:

new gene-editing technique that allows single letters in DNA coding to be switched.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

Another billionaire tells us how to pay NO taxes

Another billionaire explains how to avoid paying taxes

Oil and natural gas billionaire T. Boone Pickens said Tuesday that he hasn't paid federal taxes in the past three years, as he's used a tax loophole similar to one believed used by Donald Trump. "Only a fool gives the government money it doesn't have to," said billionaire Leon Cooperman, who made his billions through Goldman Sachs. Last week, the SEC charged Cooperman with insider trading, saying the investor and hedge fund manager had used non-public information from a corporate executive about an energy deal in 2010. Our “reps” in Congress are giving billionaires these tax loopholes so they can use their bad business deals to deduct money they didn’t even put into the deals. Most of us can’t afford lawyers to create dummy business losses like billionaire business people do. Now they say they resent being vilified for taking tax breaks on their bad business decisions. They think they are heroes for making donations (Trump does not actually give his own money. He uses Ebers’ money.)

Don’t be a "fool"—pay ZERO tax on your gains: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

Use your Tax Credits to avoid income taxes like Trump

Most of us receive only 4% of federal tax breaks like food stamps and Earned Income Credit if you are poor or the property tax and mortgage credit if you are middle class.

The Tax-Credit class pays less income tax with capital gains and dividends because it is “unearned.” So if you actually work; you are taxed MORE. For instance, Warren Buffett pays 17% on earnings while we pay 33% total tax. The tax-credit class pays NOTHING on assets they got from a “rich uncle” and on their home when they sell. Most of us don’t “itemize” so we lose all kinds of tax credits. The Tax-Credit class takes off medical expenses, job hunting expenses, and work expenses not reimbursed by others, deferred compensation (bonus and stock portfolio worth more later), investment costs, investment losses, stuff they lose, stuff they own. They can eliminate income tax by listing losses from buildings, race horses, farms, oil, leasing and businesses they own as partners, LLCs, C and S corps. Trump actually deducted $916 million but most of it was other people’s money. Some bank debt was cancelled which normally is taxable but not after RE lobbyists got Congress to change rules in 1993. Trump is tax-FREE for 18 years.

Use your Tax-Credits too: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

We could easily pay for all Social Security benefits and Medicare coverage for all
Our reps decide to give The Tax-Credit Class special breaks we can’t use. By eliminating these entitlement programs for the 1 percent and multinational corporations America could afford SS benefits and health insurance for all. Here are 10 Congressional programs that create Socialism for the Rich and the amount we pay in taxes for them:

1. TAX BREAKS FOR OBSCENE CEO BONUSES ($7 BILLION/YEAR) They still get $ millions salary.

2. TAX CUTS FOR LUXURY CORPORATE JETS ($300 MILLION/YEAR) We pay for their rides.

3. BIG OIL SUBSIDIES ($37.5 BILLION/YEAR) We no longer import oil or need to find more oil here.

4. PHARMACEUTICAL SUBSIDIES ($270 BILLION/YEAR) GOP Bush II gave them price guarantee!

5. CAPITAL GAINS TAX BREAKS ($51 BILLION/YEAR) Rich pay 17%: we pay 33% total taxes.

6. CORPORATE TAX SUBSIDIES FROM STATE/LOCAL GOVERNMENTS ($80.4 BILLION/YEAR)

7. HANDOUTS TO BIG AG ($18 BILLION/YEAR) Family farmers were bought out long ago; now wind.

8. WELFARE FOR WALL STREET ($83 BILLION/YEAR) Fed guarantee interest rate makes big bigger.

9. EXPORT-IMPORT BANK SUBSIDIES ($112 BILLION) Boeing GE guaranteed profit on sales.

10. FEDERAL CONTRACTS FOR THE TOP 200 COMPANIES ($880 BILLION/YEAR) No risk biz.

Congress has made the tax laws that create America’s Socialism for the Rich. Congress people who want to cut SS benefits and Medicare are playing politics. America could afford to provide what we were promised but we don’t have lobbyists for a payoff.

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

Is a reverse mortgage right for you?

Financial sales people provide many positive details about this mortgage—a debt that you don’t pay back until you die—but it is a costly transaction all the same. Some observers say: A lot of clients still resist the idea of a debt. You lose the feeling of independence. A borrower answers to a bank system. Using a reverse mortgage to keep your investment portfolio may help you but as debt it must be managed. Your advisor is not doing you a favor if they don’t explain the debt load for years and the real costs. Remember, if you already paid off a mortgage of $250,000 over 30 years, you gave up a total of $539,595.47 plus the total set up cost of $5-10,000. Since mortgage interest is deductible, a HELOC may help now. It is cheaper and you are still in control.

Consider all your options for retirement income: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

GOP will discard ballots with simple errors to support The Don

OH GOP officials are going to destroy ballots with no ZIP code or writing not in BLOCK lettering and other simple errors. An appeal was denied by a judge who is married to the GOP House Speaker William G. Batchelder. The period in which voters are allowed to fix the form was cut from 10 to 7 days, and elections workers were even barred from helping voters with the forms. Anything to suppress the Dem vote. Even Ryan’s home county considering Hill. NH GOP Sen. Kelly Ayotte says she is dropping her support for The Don. Carly Fiorina, Mike Crapo of Idaho, Sen. Mike Lee of Utah, Rep. Barbara Comstock, Martha Roby of Alabama say Donald Trump should step aside. Many states do not allow write-in candidates for president. Some GOP will go down with the ship. Others are burning up $45.8 million so far. Supremes decided to allow wealthy to decide vote. Only $7.1 million spent by the candidates themselves. OpenSecrets.org. In Nevada, labor unions and George Soros are up against Sheldon Adelson and gambling $.

GOP head Ryan says he is repulsed by The Don’s comments but … not enough yet.

Is investment portfolio “rebalancing” a smart strategy?

Wall Street advisors recommend this periodic selling and buying to keep your risk/reward balance of stocks and bonds where you want it to be during your accumulation period. However, tests over a long time period show that it may reduce your total accumulations. It may reduce your accumulation because you must pay for transactions and because you may miss a stock market’s boom. Rebalancing tends to reduce your portfolio’s volatility (a standard deviation of 14.4% with none versus 12% for the annually rebalanced portfolio). However if you have 15 or more years before retirement, your reward for a Buffett buy and hold strategy is 9% vs 8.5%. Over time, this means $613,805.95 vs $546,116.39 from 250 a month for 33 years of accumulations. If you use the dollar cost average strategy, you are already reducing volatility by buying fewer shares when they cost more and more when less. In retirement you will shift to lower risk and returns anyway to protect your gains.

Use strong diversification instead: https://www.amazon.com/Dont-Re-balance-Your-Portfolio-Research/dp/1508802386

Best 2016 Sedans under $25,000

Kia tops Accord and Camry on this list of 2016. Camry consistently holds its value after 3 years over many studies. Most will make it to 100,000 miles but are not the best deals for your money. JD Power dependability study asks owners after 3 years. Malibu and Sonata top rated. 

GOP religion excludes immigrants from marriage too

LA GOP religionists have effectively made it illegal for thousands of refugees to get married. Any foreign-born person wanting to get married in Louisiana must produce both an unexpired visa (even though a federal court has ruled that marriage licenses cannot be denied based on immigration status), as well as, somewhat inexplicably, a birth certificate. Many immigrants can’t produce birth certificates since none were ever issued where they were born. Indeed, many people born in LA have no certificate since they were born at home. Louisiana ‘Family’ Forum, which sponsored the law, claimed to be a voice for “traditional families” — a category that, in 2016, apparently no longer includes immigrants. Yet ‘traditional’ families married with no cert for thousands of years. America was built on toleration not exclusion. Let’s be tolerant of others.

GOP religionists fail Christian tenant: “I was a stranger, and you took me in” Matt 25:35

Is credit monitoring service $110 right for you?

The internet has made everyone concerned about ID theft and worse—scams that rob you of your sense of security. Many firms like LifeLock are profiting from these fears. Many firms charge over $110 a year to claim they protect you. Actually no firm can protect you (stop a thief from stealing your ID or bank account). Professionals with the help of their governments do crimes all day so if they can break into the government files they can easily take yours if they want it. Notification is key to limiting damage. CreditKarma.com and CreditSesame.com will watch one credit file for irregularities for FREE. You can  check your other files at https://www.annualcreditreport.com/requestReport/landingPage.action

Also go through every credit and bank statement you receive. We recently found bogus bank charges for Uber service we never used. Our bank reversed and gave new card.

Reality TV or ‘debate’ I can’t watch—Jerry Springer show?

Which liar will win American’s vote?

Neither can re-create jobs of the good old days!  I don’t see either one as President.

Do-Nothing Congress decides US future by doing nothing for more 4 years.

                                               

Don:    “Grab them by the p---y. You can do anything.” “For record, you never did that?”

            “I have not [grabbed P*y].” “His hands were everywhere.” 1 woman says. Now 5.

            It’s locker room talk—and still, conservative religionist cling to me as Savior?

            “Certainly has been an interesting 24 hours!” Ryan, McConnell still OK with it

            “Lecherous and worthless” James MacDonald quits Don’s religious council

            Hill, “you’d be in jail” by my special prosecutor when I am elected.

            Arnold tells me “You’re fired.” He says can’t vote GOP bec/ he is American 1st.

            House GOP don’t understand why Ryan quits helping Don. Morally blind?

            Why do they trot out these 5 women with false claims?—I had only 4 for Bill.

            “I think it makes him a normal person,” son says of grabbing women’s p***y

            I am your savior, “taking the slings and arrows, gladly, for you”

           

            Nixon refused to show tax returns too and Congress finally got $500,000.

            Warren Buffett says he does NOT deduct biz losses against income, as I claimed.

            Putin ally says vote Trump or face nuclear war.

“I can shoot somebody on 5^th Ave and wouldn’t lose voters.” Well, maybe U.S. women.

Billy Bush: I have a “tape of Trump being a real dog.” It’s ‘wolf.’ The Bushes Blush. 

Mike:   I don’t like Don’s comments but we can still take power to shut government

            “I forgave” Don for his actions but I can’t forgive Hill for her actions.

            Don does not seek my advice on policy on Syria. The Don is The Don.

            I can see him tweeting to world leaders all night about grabbing p**** in WH.

            “Don’t say that,” to supporter who plans to overthrow govnmt if Hill gets in.

           

Hill:    Conservatives really hate me if they can still vote for The Don. Moral values?

            I told Wall Street they should fix their problems bec/ they know how and why.

            My husband’s women have nothing to do with election.

            The Don says he will have his justice department come after me.

            But The Don said he has given up on the GOP—“unshackled me” to lose myself.

Buffett: I am under audit and have released my returns so The Don has political reason.

Tim:    Check the facts Mike: The Don is not really Prez material.

            Are the Russian hackers really working with The Don or just curry favor?

McConnell: “We’ll drop him like a hot rock,” Feb forecast of The Don nominee.

Ryan:   I just won’t appear with him to avoid being tainted by his ‘grabbing’ privates.

Bachmann: GOP House behind The Don—“masterful performance in the second debate."

Reaganites Opposing Trump. The god’s worshipers say The Don is no Ronald Reagan.

Trump “reminds me a lot of early Mussolini” Conservative legal scholar John Yoo said.

“The Only Thing Necessary for the Triumph of Evil is that Good Men Do Nothing”

Every successful civilization has died from the inside not from attack.

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!

Number 1 killer: Kia Rio--149 Deaths Per Million Registered Vehicles: are you next?

Wells stole $2.6 mil and fined but Apollo stole $40.3 mil from your pension: no fine

Navy Federal Credit Union caught making threats debt collection to its service members

Comcast caught illegally billing customers for unwanted equipment and services

RBS bank barred from handling 401ks collusion and interest-rate manipulation.

Christie and Kelly talked about Bridge-gate before it happened, Kelly’s lawyer claims.

Christie rep asks cops to take blame for closure and then blames them anyway. New job?

Wells Fargo mgr filed complaint about illegal fee creation scheme in 2011—ignored  

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

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 gun hidden. You and real criminals both have guns. Body cams make it harder to plant evidence and stage scene for TV crews.

SCAMS: America’s election process—no issue debate; name-calling sex TV soap

Ignoramus Award: US guilty of war crimes selling arm to Saudis to kill Yemen funeral?

How our government wastes our money

Over $2.429 trillion for fed subsidies for energy, agribiz, etc etc. Solve SS, Medicare gap

Tax breaks for corporations total over $1 TRILLION, enough fix roads, SS and Medicare

Where have all the jobs gone?

AI deep-learning replaces radiologist—computer quicker “more accurately” than Dr.

Verizon has cut hundreds or even thousands of sales jobs in cell stores: market full?

Tesla doubles CA factory while Ford moves to Mexico for 2,800 low pay jobs

Wind turbine tech is the job projected to expand more than any other in 2014-2024.

Master’s Degree in Computer Science: $7,000 Georgia Tech Online

GM adds 650 jobs for more SUV in TN

Data engineering jobs at every company now—even small firms need IT today.

Who owns your account now?

LPL brokerage to _____________?

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

What did you do when the market fell 45%

What happened to your money since the financial recession?

When the market fell 45% in 2007-8, did you sell or did you just cringe like I did? I decided there was no other place to go. No “advisor” knew what to do. If you sold your portfolio and moved to safe cash equivalents earning 2%, how have you done? $700,000 in 2007 would be worth $820,000 now if you got out BEFORE the fall. If you got out at $600,000 you would have $700,000 now. If you got out at $500,000, you would have only $585,000 now. I didn’t know where to go so I have the same $720,000 now. Is it smart to sell in a crisis? When I look at the market over 10 years, I see an upward trend: https://www.google.com/finance?q=NYSEARCA:IVV When you look at this graph, remember dividends. In 10 years, you would have lost all those dividends from companies in the 500 index. The companies continued to make profits. That is why you invest. Not to try to time getting out and then getting back in at the right moment. Studies show it is hard.

https://www.amazon.com/Go-Long-Reach-Wealth-Starting/dp/1519376189

Vanguard low-fee investing has changed our future—saved us $200,000 +

$1 of every $2 invested today goes to Vanguard. That’s $1 billion a day for 18 months. All the other managers are cutting fees to compete. Don’t be fooled—Fidelity can raise the fees when they need to. Vanguard does not lower prices temporarily as a novelty. We investors own the funds and charge ourselves just enough to provide top drawer service. It has no owners like Fidelity’s Johnson family so there is no multibillionaire to fatten annually. Vanguard has index and managed funds and ETFs at cost for our benefit. Our portfolio grows to $500,000 not $300,000 on fees of 0.20% vs 2.0% over time. Low-fees beat high-fee investments in every period so your $16,000 by age 26 becomes $1 million.

Vanguard: the best costs less because volume: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Myth of GOP “small” government, low taxes, high growth

George Will just left the GOP. Many listed as GOP say they can’t support its candidate. We may be seeing the end of the myth of conservative politics. Socially-conservative Christians are flocking to a Manhattan playboy who promises to get stores to say “Merry Christmas” again. They want to block non-Christians from politics and reinstate Christianity as the ‘state’ religion. The GOP candidate is promising to spend more on protection and reversing the progressive trends than the mythical Reagan did. He promised more government spending to control immigration, non-Christians, women’s health clinics, environment, and business. Like Reagan’s expansion of government workers (60,000) and the debt ($2.3 trillion) at the expense of workers (1983 payroll tax hike)—in the name of working people, Trump promises to cut taxes for the wealthy and pay for it by making a national sales tax like Europe. Don Trump will cut Medicare and SS benefits “if tax cuts don’t make big surpluses”. Reagan raised taxes 7 times and gave millions of immigrants amnesty.

GOP proves tax cuts for rich doesn’t create growth; just ruins life for us

GOP statehouses are trying to exclude DEMs from voting, getting health care and good educations. KS is proof that cutting taxes for the rich just ruins that state for the rest of us. They cut Medicaid, education, federal payments, infrastructure like KS and now they can’t fix it. KS lawmakers created more gov not less; and will need to raise revenue from working people in the form of property taxes. NJ Christie wants to triple the gas tax to offset his tax cut for millionaires, who are leaving the state anyway.

GOP isn’t conservative. GOP just don’t like non-white non-Christian & women deciding.

Is indemnity health plan right for you?
ObamaCare ban on savings-type health plan cancelled so Central United and others can profit from poor people again. A DC court struck ACA provision that outlaws plans that don’t pay the full bill when you get sick. Obama said they don’t provide comprehensive care for all diseases or even the full hospital bill so can’t qualify as “minimum essential coverage.” $500 for a $30,000 hospital bill is NOT insurance. These policies are big money makers because companies are selling limited payouts as health insurance. They are popular in countries that have FREE health coverage so people can pay for extras. ACA made policies affordable ($120/mo) or free (expanded Medicaid) for most people. Before you buy, see 1997 movie “Rainmaker”:  https://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

   

"automatic IRAs" for workers who have no workplace retirement plans

50% of the workforce or some 55 million employees have no plan at work. Some states are making the simple plans easy to set up so that workers will have income beside Social Security at age 67. Maryland's new auto-IRA, which mandates the automatic enrollment of any employee who works 30 hours or more for a company with at least 10 employees, were adopted nationwide, as many as 37.5 million Americans could be included, one observer said. The auto-IRAs would typically be invested by state-administered agencies that might compete with private-sector retirement plan vendors and investment managers. But the private sector has not helped set up plans at work before since commissions are low. NJ Christie vetoes the plan at the request of insurers, whose agents offer private funds with high fees. Other states employers show little interest in auto-IRAs.

Real incentive: Tax-FREE retirement: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

Is a new car right for you?

A new analysis from Bankrate.com found that a median-income household could not afford the average price of a new vehicle. The average price is about $34,000, according to Kelley Blue Book. New cars have expensive safety features like collision-avoidance systems. However, as the family of Joshua Brown found out, they don’t work .. yet. (big trucks look like sky to autopilot.) Like all new stuff, especially software, it takes time for success. Of course incomes vary a lot. But as the Times showed, in Hartford with incomes of $29,000, an affordable price is $8,000. So everyone borrows more for longer—68 months average and ends up paying $30,000 total. And 30% of us lease now and again make payments forever. Obviously, a 3-year old makes sense. One of our members found a 2012 Camry last year for an all in of $14,850 ($29,000 new) She put down $6,200 and financed the balance at $120 a month for 72 mos. She got 6 airbags, Camry quality but no autopilot, video, cameras, etc. 50K miles.

Used cars are usually 30-40% off: https://www.amazon.com/Personal-Finance-Smarties-Not-Dummies/dp/1469973030

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) (FBI criticizes Hill’s lies she can’t blame on others)

                        What does Trump’s American Socialism stand for?

Increase subsidies to oil gas, corp farmers, Boeing, big business tax cuts

Don will cut Medicare and SS benefits “if tax cuts don’t make big surpluses”

Cut funding for un-wealthy, poor, schools. seniors, underemployed, kids, sick, etc.

Reinstate older white male value system: Make ‘WASP” America Great Again

Reinstate Christianity as the state religion—bar all others from public office

Reinstate Christmas and Christian observance in schools, home, court, stores, marriage

KKK sees big opportunities after 150 years

Put secessionist’s flag back in public spaces - cemeteries, courts, state houses.

Put up a wall, end trade, bring back repetitive “robotic” jobs back from low wage areas.

Cut regulation of all business activity, lower wages for women, pregnancy

Climate change is a hoax. Let oil companies drill anywhere. XL pipeline approved

Replace ObamaCare: no mandate (tax credit so you can try to find your own like before)

Cut federal spending on health especially when control women clinics, Zika

Cancel immigration for all from non-EU countries. Invest in security, guns, fear.

Voter suppression of DEMs (even in Brooklyn) Latins, blacks, poor, students.

GOP gerrymandering so they can’t lose some districts … ever.

Replace judges whose parents came from a non-EU country or any non-Christians.

Limit rights of non-Christians, Muslims, gays, Indians, Asians, protesters, press

Increase debt and devalue debt. Let Mexico pay for the Wall by taxing imports we buy

Create tariffs on imports so we pay $6,000 more for stuff we buy. Middle class tax.

Trade pacts are no good for us and no good for our workers.

Abolish IRS, EPA, Education, Dodd-Frank financial protections, consumer protections

National right to buy and carry any firearms anywhere anytime by anyone age 2 and up.

Install voter ID restrictions designed to lower Dem voter participation – proved in court

Install state gov that cuts Medicaid, education, federal payments, infrastructure like KS.

“Lust for executive power”—GOP House leader thinks Don wants to just snap fingers.

“I could stand in Fifth Avenue and shoot somebody and I wouldn’t lose any voters.” 

Don’s rallies begin with crazies denouncing supporters--thrown out as “protestors.” 

“It’s hard to reason with people who don’t care about good policy, logic or sound information.”

“The only thing necessary for the triumph of evil is for good men to do nothing.” E Burke

Don:    I will “overhaul America like I have overhauled” my Scotland golf course 

            (Scots were pushed from homes, offered fake jobs, sued, threatened over turbines)

            When Prez, I will personally sign all checks—new jets, SS checks, debts.

            Ryan tax cuts for rich are paid for with “consumption-style” national sales tax.

            My delegates are bringing guns to fight ISIS friends in Cleveland. Speakers?

            I am having my vendors pay my staff as expense so no income taxes: Biz deduct

            I don’t need Christie’s mess in my election. Newt’s been married 3 times too.

            "Saddam was a bad guy. But he did well. He killed terrorists! . . sooo good."

            “Constitution is negotiable like everything else—Especially Art. XII” But no XII.

            I want you to tell the press the meeting was great—I know what I am doing.”

           

Hill:    Bill just doesn’t think—or thinks meeting my prosecutor is nothing. Or envy?

            Looks like 1964 all over again. Goldwater had same message for racists and lost.  

            "Republican Women for Hillary" --former Bushies for trade and a deal with Hill

            Kasich for VP to lock up OH? Or Rick Scott of FL

            What could FBI do? I might be their boss soon and FBI needs new building.

            There are different rules for the former Prez and me. We only do good things!

            GOP will spend $ millions more on 5 committee investigations of me. Wasted tax

Paul: ‘This is one of my big concerns:’ Don’s “lust for executive power.” But he’s it.

            “Saddam was one of the most evil people” … not ‘so good,’ Don!

            I think we will have to punish the DEMs for their sit in” Jail? Fine? Ban?

            “Anti-Semitic images, they’ve got no place in a presidential campaign,”

            KKK Duke: there was “no way” the Star of David shape was a sheriff’s star.

            Ryan bans secrets from Hill. Ryan first discussed the idea with Megyn Kelly !?!

Bern:   I will work to keep Don locked in the Tower.

            There is a reason Don’s businesses filed bankruptcy 5 times.

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!

.Raymond James fined for massive fraud scheme involving the Jay Peak ski resort.

.Got a Stinky Front-Load Washer? http://www.consumerworld.org/?utm_source=newsletter

.OK does not want to give up 100 year old electric chair ‘sparky.’ May need it to kill.

.Another child killed by gun  accidentally by Dad on regular gun family outing.

.ObamaCare ban on savings-type health plan cancelled so Central United Life can profit

. Andrew Caspersen Park Hill Group caught defrauded investors of $38 million

.VW recalling 6,000 Touran replace front gas bottles corrodes burst fire

.SC town bans “saggy pants” rapper style originated from oversized prison outfits.

.US forcing recall of more than a million “hoverboards” as fire starters injure 99.

.40% sunscreens not sufficient to work cost not equal quality. See list. NO-AD wins.

.When everyone has guns; your chance of being killed goes up. Just by the numbers. 

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

SCAMS

Back in 2007, the Bush II White House ‘lost’ more than five million private emails.”

Someone got paid for this? Seven-year study concluded the Iraq war was mounted on flawed intelligence and executed with "wholly inadequate" planning. 

Ignoramus Award: VA lets violent gun felons buy as many guns as possible

Remarried Catholics must avoid sex and live like “brother and sister,” Phila’s archbishop. But the Church is against birth control by unnatural means in Humanae Vitae #14.

How our government wastes our money

Obama spends $ billions we don’t have on lost wars—9000 in Afghan, 5000 in Iraq--any Moslem countries fighting to end their religious idolaters?

Obama to build a sophisticated anti-missile system in South Korea. Why can’t Korea?

We are paying for 28,000 U.S. troops stationed in South Korea already. Let them pay.

Who owns your account now?

MyVest to TIAA

GOP convention replaces FUN speaker Paul LePage with Walker-Cruz. File for refund

IAN

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Montclair, NJ 07042

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