road-rage shootings,bad brokers,chip jobs,med debt,credit reports,SS benefits

 

How Govt wastes our money:                                                                       May 2024

Firm’s goal is the democratization of tax avoidance: plan for more wealthy tax avoiders

Biden put a hold on a shipment of U.S.-made ammunition to Israel

2 million with TX Medicaid coverage were cancelled by state.

 

US probe finds widespread sexual misconduct at FDIC

Living Overseas; Paying Taxes

Trump’s Individual, Estate Tax Cut Renewal to Cost $4.6 Trillion: the kids will pay!

 

NASA wastes taxes: plan to build helicopters for Mars: can Congress stop plan?

 

SCAMS/SPINS:

"Strive not to be a success, but rather to be of value." – Albert Einstein

 

The total number of satellites in Earth's orbit hit 12,597: getting dangerous up there

Hazardous Products That Were Recalled This Week

Recall: Palmer Candy confections sold at Walmart, Target, Hy-Vee and Dollar General.

Recall: Some Planters nut products have been recalled over a possible listeria

Recall: Gold Medal Apple Juice because of elevated levels of inorganic arsenic

 

Regulator probe 6,813 Ocean SUVs emergency braking system activated inadvertently.

 

FL prohibits any municipalities from passing heat protections for outdoor workers: 100+

Road-rage shooting incidents have skyrocketed over the past decade

 

Eddy R Blizzard MD stole $1m victim’s retirement & legacy: promised better returns

Regulator fined SoFi for lack of control of client cash accounts: lost $2.5 ml; ID breech

Andrew Egber MD disbarred: possible theft of client funds; missed regulator hearing

 

Cigna Pressures Doctors to Review Patients’ Cases Too Quickly: many denial outcomes

Chime Financial caught: failing to give us timely refunds when accounts were closed. 

 

Williams-Sonoma caught falsely claiming products were "Made in the USA": fine

AstraZeneca Withdraws Its COVID Vaccine Worldwide, Citing Dangerous Side Effects

 

"Life Plan Communities" may cost you more than the contract says

 

Jobs

jobs.interestingengineering.com/

Few Americans are getting chips jobs now: Intel, TSMC, Micron need trained workers

 

Who owns your account now?

Why medical debt is still on your credit report: need multiple contacts to correct mess

Vanguard raises fees in brokerage accounts: matching other brokers

10 Best Investment Apps: depends on what you want to accomplish

Best & Worst Online Direct Banks: J.D. Power

Most credit reports have errors in credit history and personal data: check for free

 

Most Accurate DNA Test Kits, Ranked By Experts

Social Security Update Could Expand SS Benefits to Millions

 

 

What to do if you receive mail from the IRS: ask your preparer

 

Focus Financial Merges Buckingham Strategic Wealth With The Colony Group

Osaic purchased Lincoln Financial Advisors Corp. and Lincoln Financial Securities

 

Under Trump government, college students may not be allowed to protest on campus

Textbooks are rewritten, purge liberals, and scorn democratic ideals in FL and Russia

Judge Cannon postpones documents case 'indefinitely': delay to 2^nd term to dismiss case?

 

Smart Ways to Take Money Out of Retirement Accounts

Annual contribution limit for an individual is $4,300; with family it is $8,550.

 

Miracles:

Chemo can be brutal. This FDA effort aims to make it less so.

A specific genetic variant appears to play a significant role in a child’s becoming overweight  

Medicare and Social Security funding has been lengthened to 2036 due to market gains

Nanotechnology-based oral insulin may replace injections for diabetes 

 

CRISPR gene therapy improves vision in people with inherited blindness

New brain cancer vaccine reprograms immune system in successful human trial: glioblastoma

Liver’s reaction to seeing and smelling food may unlock new diabetes cure

 

Med-Gemini beats GPT-4, achieves 91.1% accuracy in medical diagnostics: in test phase

New antibody drug reverses Type 1 diabetes in groundbreaking experiment

 

 

 

 

 

 

 

 

 

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Lessons from successful investors

 

 

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

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

Parallels of this era in the past may hint at our future: democracy breaks apart legally

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

Jan 6 2021 Direct govt overthrow failed: guns & bombs were ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

“I don’t f—ing care that they have weapons”

 

Trump was “detached from reality”

 

Trump used mafia-style intimidation on the defenseless

 

Trump still terrorizing election woman

 

Parscale: “a sitting president asking for civil war.”

 

Trump: “Just say the election was corrupt and leave the rest to me” 

 

GOP fascism: “RINO hunt armed; no bagging limit” J6 comm threat

 

January 6, 2021 “A date which will live in infamy”

 

Trump’s Supremes END personal rights & state laws except for weapons WMDs

 

Fascism: GOP to stop women leaving state for abortion

 

It’s not a court. It’s a junta: Two Americas

 

Trump: President Biden is 'enemy of the state'

 

Christian Nationalist Party (CNP) replaces GOP

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Dec 3 2022 Trump: cancel Constitution rules so ‘I win’

 

Mar 11 2023 Pence straddles his place in history

 

Mar 31 2023 Trump indicted misusing election money

 

Apr 7 2023 One GOP guy decided which drugs we can use

 

Apr 9 Illustrated Anne Frank book removed by Florida school

 

Apr 21 Trump: “I am your justice”

 

May 9 Trump guilty of sexual abuse

 

Jun 8 Trump indicted by the United States of America

Violation of the Espionage Act

Conspiracy to obstruct justice

Making false statements 

 

Aug 1 2023 Trump indicted by the United States of America

Conspiracy to defraud the United States

Conspiracy to obstruct Congressional proceeding

Obstruction of and attempt to obstruct an official proceeding

Conspiracy against right to vote

 

 

Attempted coup d'état by any other name: American fascism

 

350+ people have been sentenced to jail or prison.

 

 

Trump and His Gang Get the Mob Treatment

 

Aug 4  “IF YOU GO AFTER ME, I’M COMING AFTER YOU!”

 

Mobster #1 Enrique Tarrio gets 22 years 

Mobster Stewart Rhodes sentenced to 18 years

Mobster Ethan Nordean gets 18 years

Mobster Dominic Pezzola sentenced to 10 years

 

 

Aug 14 2023 Trump & 18 indicted by the State of Georgia

 

VIOLATION OF THE GEORGIA RICO (RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS) ACT SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

CONSPIRACY TO COMMIT INIPERSONATIN PUBLIC OFFICER FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

CONSPIRACY TO COMMIT FALSE DOCUMENTS

FORGERY IN THE FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

FILING FALSE DOCUMENTS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

 

 

 

Aug 24 2023 The Don, Racketeer: GA jailhouse ‘mug’ shot his symbol

 

Oct 2 2023 Kelly on Trump’s staff, confirms Trump called our veterans/wounded soldiers, “suckers”

 

Don’t get pregnant in Idaho: if you have an emergency, doctors told to let you die

 

Dec 2023: Trump using Hitler language to scare us

 

“Wannabe Dictator” runs our House of “Representatives”

 

MAGA kills GOP: Trump kills Reagan’s GOP

 

Jan 15, 2024: “God gave us Trump” the white christians’ savior 

 

Christian nationalism can replace democracy?

 

MAGA rules the Republicans

 

Presidential Immunity “If we say a president can’t be included in a criminal law unless explicitly named, then that would bar the Senate from convicting him for high crimes or misdemeanors because that means that he’s not subject to the law at all,” Sotomayor said.

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

Trump’s plans for America 2025-2028

 

 

 

 

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Miracles that made our world

 

Our Universe is a miracle

 

Light is both a particle and a wave depending on how we look at the light.

I don’t think that there is any such thing as a position or a velocity of a particle.

Everything (galaxies to stones) in universe made of subatomic energy ‘vibrations’

A subatomic ‘particle’ is the smallest possible vibration (quantum) of a quantum field.

A ‘particle’ is an event; not an objective thing. This event is set of complex relationships.

New theory may finally unite Einstein's gravity with the quantum world

Our Reality May Be a Sum of All Possible Realities

 

Mass–energy equivalence: E=mc^2.  At the smallest level; Everything is moving

Energy into matter: scientists converted light energy directly into matter in one step

In place of atomic lattice, light waves used to create an optical lattice with same geometry

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a distance

Quantum mechanics violates local realism: two objects behave as single system at distance

New theory: no need for dark matter; dark energy: energy in universe due to erratic spacetime

 

“It may be that gravity and quantum mechanics are exactly the same thing,” Leonard Susskind

Gravity might induce the collapse of quantum vibrations into 1 quantum state—our world

Strange state of physics that allows energy to flow frictionlessly through a material. 

Bending light from extreme gravity reveals largest black hole so far

Curved SpaceTime: heavy masses and simultaneously quantum effects become visible

There is no TIME at this level because of force fields come and go in all directions. 

Universe expanding: events may not come together like they did before: created our time.

Our planetary system: rarest system: only 1% of all systems with same number of planets

 

dark energy may have eroded over time: we’re seeing hints of dark energy evolving

Stars fueled by the self-annihilation of dark matter might have been spotted for the first time by JWST

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

Gold made from neutron stars: collisions produce more neutrons:79 protons,118 neutrons

The proton is so complicated science still finds new energy entities/forces every year.

 

“Empty space is a boiling, bubbling brew of virtual particles that pop in and out of existence in a time scale so short that you can’t even measure them.” Space expanding.

New method to study systems with long-range interactions: previously puzzling experts

The electricity we use comes from the field around the wire not from electron itself.

 

Natural ‘missing law’ explain how universe evolved: functions increase in complexity over time

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

Physicists knew black holes eventually disappear particle by particle. Now they think everything else does, too.

Astronomers discover raw materials for life are present all across the Universe: methyl cation

New Astrophysical Models: Earth’s Building Blocks Contained Water: metal oxides

 

 

IAN

973.746.2014

http://www.theinsidersguides.com/ 

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

No AI used in these comments

 

Koch Bros: America is "welfare for the rich"

Koch Bros believes America is built on “welfare for the rich”

“I believe that cronyism is nothing more than welfare for the rich and powerful, and should be abolished," Charles Koch wrote. He claims he has “spent decades opposing cronyism and all political favors, including mandates, subsidies and protective tariffs.” Yet the Koch Brothers have relied on $88 million worth of government subsidies (our taxes) for years and pay $ millions for elections to keep subsidies. They oppose cleaning up the environment they profit from while they destroy it!

Are you losing 63% of your retirement earnings to Wall Street?

How much of your retirement are you giving away?

Costs matter: Broker/advisor/trading cost 1% to 3% every year.

If you use a salesperson, costs can take HALF your money!

$3,000 per year @11%    for 33 years = $1,018,177

$3,000 per year @11-1% for 33 years = $778,768

$3,000 per year @11-2% for 33 years = $613,805

$3,000 per year @11-3% for 33 years = $486,634

Compounding the average market returns of 11% is what turns your $3,000 a year ($99,000) into $1 million over time. No tax when you use an IRS tax haven. http://www.amazon.com/Pimps-Wall-Street-money-middlemen/dp/151525254X

Help for your student in school

Get $2,500 per year for each student during first 4 years. 40% is refundable so you get up to $1,000 even if you do not owe any taxes. Or get $2,000 credit on your tax return for a lifetime of education—even adults can take it every year. Must be legit school and expenses so check http://www.irs.gov/uac/Am-I-Eligible-to-Claim-an-Education-Credit%3F. Also deduct student loan interest up to $2,500 a year. Parents or child can take credits so check out both ways http://www.irs.gov/Individuals/Education-Credits-AOTC-LLC Keep receipts for expenses for school.

Perfect gift for your grandchild

$1,000,000 costs you only $16,000 when you use Compounded Cash over time. Invest $16,000 by age 25 and let it grow to $1 million. See what it looks like at saferchild.org/power/.  http://www.amazon.com/Compounded-Cash-Save-your-Self-Funded/dp/1515066096

2016: America’s real reality TV show—“you just can’t make this stuff up”

Debate summary 10 of the best GOP have “debated”—compare 12 Angry Men: the bigot, racist, sadist, flip-floper, stockbroker, marketer, immigrant, working poor, bleeding-heart, senior, businessman, and architect. GOP candidates positions in own words, just to be accurate. Carson called for 10% income tax and Huck wanted sales tax (VAT in Europe) to replace income tax is a GOP standard. http://time.com/3988276/republican-debate-primetime-transcript-full-text/

Ronald Reagan to Obama: “Just don’t sell Iran arms under the table like I did.”

GOP wants war but …

Robert Gates, who led the CIA under George H.W. Bush before becoming George W. Bush and Barack Obama’s defense secretary, has said bombing Iran could prove a “catastrophe,” and that Iran’s “capacity to wage a series of terror attacks across the Middle East aimed at us and our friends, and dramatically worsen the situation in Iraq, Afghanistan, Lebanon and elsewhere is hard to overestimate.”  

Meir Dagan, who led Israel’s external spy service, the Mossad, from 2002 to 2011, has warned that an attack on Iran “would mean regional war, and in that case you would have given Iran the best possible reason to continue the nuclear program.”

In the aftermath of a military strike, he added, “The regional challenge that Israel would face would be impossible.”

Bush wants to cut women’s health funding: "I'm not sure we need half a billion dollars for women's health issues."  Liz Warren shames GOP on women—back to the ‘50s?

Americans respond with donations to Planned Parenthood despite Congressmen!

Christie PAC gets paid for Christie deal to take $225 m instead of $9 billion from Exxon.

He is booed by 60,000 at Monmouth park as gives Pharoah a trophy. He still thinks boo means voters want him to stay on as Gov and punch teachers in nose and end SS as we know it.

Who rules America?

Last weekend, Koch Industries got the rich together to decide how the GOP will win in 2016. Donors are secret, so foreign countries could be deciding our next Pres.

Follow the money: Election scorecard Bush vs Clinton ($ millions)

Study illustrates that the rich and powerful influence policy more than voters. Citizen’s United decision just made it legal to buy elections, like the Bush coronation in 2000. (The votes were not counted. If they had counted them, America could have avoided 2 wars, 2 tax cuts that raised deficit by $8-10 trillion.)

TX voter ID law violates our civil right to vote, court says

GOP strategy to keep DEMs from voting took a blow. TX can’t keep voters from voting based on new forms of ID and regs.

GOP to get Supremes to SUPPORT global warming for planet via lawsuit

Obama will use lower emission rules as leverage with other big economies — China, India, Brazil, South Africa, Indonesia. Our rules could make America a leader again … except for 5 old men. GOP tells states to ignore Pres request for plans. “Sue to stop him”

Shopping for health insurance becomes normal

State-based marketplaces were overall quite successful in retaining enrollees, however, a large number of consumers shopping within the marketplace during 2015 open enrollment decided to switch plans based on the price of services offered. You can save by shopping just like buying a TV. Plans and doctors change in this new world. Even business owners can shop at https://www.healthcare.gov/small-businesses/provide-shop-coverage/ You may still be able to buy at https://www.healthcare.gov/screener/

Buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Is it time to cancel your PMI?

Drop it when you have paid 20% of your home value as defined in this rule. http://files.consumerfinance.gov/f/201508_cfpb_compliance-bulletin_private-mortgage-insurance-cancellation-and-termination.pdf Since the HPA applies only to residential mortgage loans consummated on or after July 29, 1999, standard 30-year mortgage loans would not have started becoming eligible for final PMI termination under this provision until August 2014. Better ask your servicer for the exact date you can cancel.

Your good credit score can CUT your car insurance cost in HALF

CR tested 2 billion rate quotes and found a poor score can double your costs. See your state for best firms: http://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm#creditmap Shop for ALL your discounts to lower premium every 2 years: http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Need your income tax information for loan, school, home?

Get return transcript by mail at http://www.irs.gov/Individuals/Get-Transcript

You need your Social Security number, date of birth, and address from your latest tax return.

Your tax refund can be worth $500,000 later when you need it

Yes, your refund, averaging $3,116, can grow to half a million dollars by compounding simple market index returns and not paying Wall Street a fee every year. According to Dalbar’s QAIB study, index investors using low cost providers earned 11% per year since 1983. Investors using Wall Street earned just 3.79% and over time will give up 63% of their potential nest egg. You don’t need to pay for success anymore. Start with $9 a day today! It is your money so keep all your earnings: http://www.amazon.com/The-Pimps-Wall-Street-middlemen/dp/151525254X

Did your bank reject your mortgage modification too?

New report says banks blame “do not qualify” on customers and customers say “paperwork is lost or misplaced often.” Delaying a borrower’s loan modification request can be profitable for a bank.” Courts agree. Like health insurers, delay, delay delay just wears us out and we quit trying to get what we deserve. Regulators wash hands with bank notes. 

CR tested 4 robo call blockers

One works well and is FREE: it blocks 10 calls a day for us.

Example: http://whocallsme.com/Phone-Number.aspx/6083716666

3-D printing Drugs now?

The Food and Drug Administration has approved the first prescription drug made through 3-D printing: a dissolvable tablet that treats seizures. They still charge a lot.

Stoners are OK

With years of research and observation, scientists have finally figured out that the chronic and prolonged use of marijuana by the young people is NOT not related to any sort of health conditions. Toke?

Religious sacrifice in FL?

Investigators in the Florida Panhandle are looking into the deaths of a woman and her two adult sons as a ritualistic killing that could be connected to the recent blue moon.

SCAMS        

IRS has documented more than 4,000 tax scam victims who have collectively reported over $20 million in financial losses. IRS says “think twice before answering suspicious phone calls, emails or letters.” Scammers pose as IRS agents with fake caller IDs, badge numbers, titles, letterhead, mailing address, etc to get paid. They threaten police arrest, deportation, license revocation, etc. Confirm you owe at Treasury Inspector General for Tax Administration (TIGTA) at 1-800-366-4484. 

America needs to take care of American’s needs FIRST

Can we afford to keep paying $700 Billion a year for WWII deployments? That is 27 cents of each dollar in taxes—the largest part of our money—and we aren’t even at war. We could pay off our debts and fix our schools, roads and bridges! We are paying for 164,253 of our active-duty armed personnel to be in 150 countries around the world. We have about 50,000 in Japan and 50,000 in Germany.

We are spending $8 million per HOUR on our wars in Iraq/Afgan

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

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

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

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

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

We are now training Ukrainians in Ukraine—Mission creep

Afghanistan started the same way—just training, and then guarding trainers, then supply trainers, then supply U.S.-built Stinger antiaircraft missile to the mujahideen, and eventually $200 million for fiscal year 1992 alone. $4 million/hour- $778 billions so far.

Fiat profit up 69% but at Jeep and Ram customer expense—sells Ferrari

23 recalls covering more than 11 million vehicles caused record fines of $105 million (not counted in profits). Ferrari follows Porsche for SUV success!?! Image?

Regulators find NDG Enterprise Collected Money Illegally and wants payday loans back.

Wells to hold your money

Advisors at Wells Fargo will stop transactions where they suspect elder fraud even if they don’t have the legal authority, company managing counsel Beverly Jo Slaughter said Thursday. “We try to be creative,” she said.

Wells Fargo fined $500,000 for not telling the whole story

Wells to give back $242,000 to 66 customers who lost money in “structured repackaged asset-backed trust securities” (STRATS), which paid a variable interest rate from 3 to 8 percent. Sales did not disclose the fact that investors could lose money because of termination fees.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

Banks caught helping tax evaders want bailout

Banks caught helping tax evaders want bailout

Swiss banks seeking to avoid U.S. prosecution by disclosing how they helped Americans evade taxes have asked the Justice Department to back off a dozen demands. 

Working Americans don’t need a Swiss tax shelter: http://www.amazon.com/The-Tax-Shelter-Young-Americans/dp/1500426520

Do you receive tax credits for your “donations”?

There have been reports that companies donating to the Republican Governors Association were more likely to get incentives from New Jersey, whose governor, Chris Christie chairs the association. Lockheed Martin reportedly donated $50,000 to the association and then applied for $100 million in tax credits over 10 years in return for expanding in Camden. Why is Christie holding 80% of the Sandy recovery money?

Make your retirement income tax-FREE too: http://www.amazon.com/Tax-FREE-Retirement-lifetime-income/dp/1475206976

Is this a good time to invest?

I get this question all the time. Who knows? NO ONE. If you listen to media commentators who are paid to tell your fortune, you might get greedy or scared. Fear of stock market activity keeps many from investing for retirement. Don’t listen to them. They are paid to talk but no one can foretell the future. If we can’t know the future, consider your wealth-building alternatives—bank CD? If you need $40,000 a year in retirement, how can you get it? Advisors can take up to 63% of your long-term accumulation so don’t bother them. Your low-cost plan at work may provide an easy way to invest automatically. Fidelity found that their 401k accounts reached $1 million (provides $40K a year for life) by investing for 30 years in low-cost mutual funds. Same with low-cost target date funds. We can’t control the market but we can control costs.

There is no “best” time to invest. Making equal contributions to low-cost funds is the only way to be successful, according to Unbiased (already) millionaires: http://www.amazon.com/The-Best-Predictor-Investment-Success/dp/1502524082

Do you really need an advisor/broker?

A recent survey found that 36 percent of investors with under $1 million don’t believe an advisor would represent their best interests, and 31 percent said they don’t have enough assets to interest an advisor. Also, 28 percent said they could do a better job than a paid advisor, 27 percent said they could not afford an advisor, 15 percent said they didn’t know who to turn to for an advisor, and 9 percent said they get help from friends and family.

Advisors/brokers are not necessary anymore. Trading is gambling, not investing. Buy 10 low-cost mutual funds for the rest of your life and earn over 10% a year: http://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Employers sued for charging high fees

It’s getting easier for retirement plan participants to win fee suits, says a senior advisor for the American Society of Pension Professionals & Actuaries. They are having more success because their lawyers are arguing more effectively in court by making a point of showing what fiduciaries should have done but didn’t do, said Ilene Ferenczy, ASPPA.
Participants are also faring better because their attorneys more often are demonstrating how trustees are costing them money by allowing excessive fees, Ferenczy added.

"In every single time period and data point tested, low-cost funds beat high-cost funds." 

Check your employer plan for costs at http://www.brightscope.com/ratings/G/

Do your own low-cost tax-FREE plan: http://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

GOP crazies

Joni Ernst is running in IA and says she will make Congress squeal when she gets there. She also said she will shoot anyone with her 9mm (including the government) who tries to take away her rights. She might be inciting armed rebellion against the US or warning police that she will shoot if they come to arrest her for a crime. Is she against rule of law?

Her advert says she likes to kill pigs.

Will she cut pork (subsidies) from IA farmers as well as their health care?

KOCH Bros have spend $290 million to buy midterms for GOP so far.

GOP crazies

Turns out that most GOP do believe in climate change by man. They just can’t say it in public because they fear the TEAs. In fact, House Republicans passed an amendment to the annual National Defense Authorization Act forbidding the Defense Department from spending money on any climate-related initiatives, including planning programs. However, quietly, GOP-led Pentagon has been training for climate change since 2010 because they NEED to be ready. A new report should be read by every GOP voter just so they know the facts, not the TEA’s version.

Sarah Palin hopes to run for office again some day. GOP excited?

DEM crazies

Obama faces new Senate, the TEAs, Ebola, ISIS, Syria, drones, immigration, Ukraine,  etc. Can any other problem be handled?

What is his legacy?

Sam’s Club Launches Health Insurance Exchange for Members

Aetna Marketplace for Sam’s Club is the first mass retail-supported private healthcare exchange designed to meet the needs of both small business owners and their employees, according Wal-Mart. It provides Sam’s Club business members that have two or more employees with exclusive access to personalized plan tools and resources from Aetna.

Pool of small business may save money. But buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Lexus most reliable vehicle, again

Consumer Reports has just released this year's ratings of the most and least reliable new cars and carmakers. Mazda, Honda and Subaru joined Toyota in the top ten. Audi was the highest scoring non-Japanese brand, while Buick was the only domestic brand in the top ten. The recently merged Fiat Chrysler fared worst in the rankings, with its Dodge, Ram, Jeep and Fiat brands in the bottom four spots. The new nine-speed transmission in the Jeep Cherokee was among the company's headaches.

Shop for insurance every 2 years and save: http://www.amazon.com/Insiders-Guides-Discount-Financial-Services/dp/143480593X

ObamaCare after 1 year—more Americans have health care—Kentucky example

Americans who never had health care now do have health care. They no longer have to go bankrupt if they seek help. Why are GOP against a healthier America?

Reenroll on NOV 15: http://marketplace.cms.gov/outreach-and-education/marketplace-application-checklist.pdf

Buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Are you supporting your adult child?

“Research shows that Millennials have weathered the most significant repercussions from the recent economic downturn. While Millennials are the most educated generation in history, nearly 4 in 10 are unemployed and many more are underemployed,” said Deb Dupont, associate managing director, LIMRA Secure Retirement Institute. “Parents of Millennials, even those over the age of 22, are providing considerable support to their children at a time in their lives when saving from retirement should be a priority.”

The study also found that 57 percent of U.S. households with adult children have at least one adult child living at home. Nearly three quarters of households with adult children ages 18-22 have at least one adult child residing in their home.

Leah learned to live with friends: http://www.amazon.com/Leahs-Money-Book-control-money/dp/1448654408 Makes a great present too.

Is a child or grandchild trust right for you?

If you feel they can’t handle your entire legacy after you are gone, you can have a relative AND trustee firm invest and release the money according to your wish and their joint judgment. Low-cost mutual funds will make your money go farther—release for college, age 25, 30, etc. Most mutual fund firms can provide the trustee services for small annual fees (0.75%). Have an accountant or lawyer write the trust. Make transfers part of your plan: http://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

Small Business Health Options Program launched in five states.

The business health exchanges will open in Delaware, Illinois, New Jersey, Ohio and Missouri in late October. Small employers will be able to use Healthcare.gov to do such things as establish a profile, assign an agent or broker to their account, complete an employer eligibility application, and browse plans and pricing when they become available. The states that will not offer employee choice in 2015 are Alabama, Alaska, Arizona, Delaware, Illinois, Kansas, Louisiana, Maine, Michigan, Montana, New Hampshire, New Jersey, North Carolina, Oklahoma, Pennsylvania, South Carolina, South Dakota and West Virginia.

AZ school system bans contraception info because 1 parent objected

Gilbert Public Schools board, which covers at least 38 schools and 39,000 students mostly in Chandler and Mesa, voted 3-2 on Tuesday night to excise two pages about contraception from "Campbell Biology: Concepts and Connections." The text now says that abstinence is the only fail-safe birth control method.

Is it better for the children not to know what happens if they ‘experiment’ with sex?

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

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

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

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

Japan, Germany and S. Korea can pay for their own defenses.

Fed tells banks to change bonus behavior

Bankers are given a big check when they make deals that are bad—even those that could destroy our way of life. (Bankers can afford to move offshore.) Regulators want banks to paying fat checks over time. Banks need to have the bankers themselves pay for the damage—losses and fines. GREAT IDEA! Gee, I wish I had thought of that!?  

In fact, every broker/advisor/agent should follow same regs.

Court makes suing corps for bad behavior even more difficult

Shareholders used to have the ultimate control over their corp behavior. Violations could be redressed by suing officers. But now the corp home court has quashed that “checks and balances” strategy. Hoping to achieve greater accountability wronged investors have filed many cases against top corporate officials, accusing them of breaching fiduciary duties and of other misdeeds. But even this enforcement mechanism is under attack, thanks to a recent decision by the Delaware Supreme Court.

Noah L. Myers, 43, an investment advisor from Lyme, Conn., pleaded guilty in federal district court to securities fraud for operating a cherry-picking scheme that benefited him and hurt his clients. He credited the most advantageous client trades to his own account.

Merrill Lynch was fined for allowing short-sellers to dump stocks without making sure they had first arranged to borrow the shares. 

Who owns your account now?

Southpac Life Insurance to Advantage Insurance Holdings Ltd.

IAN

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Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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