401k, 403b, IRA, Roth IRA which is best?

 

Which insurance can you drop to save for retirement?

Insurance salespeople don’t always explain the probability of using their products. For instance, the reason term insurance is cheap enough for your employer to provide it is that few die early. The same applies to life cover for children. Insurance sold as an investment is a waste of money. Insuring your travel is risky—check the exclusions for ways they don’t pay. If you have collision on your old car, you will be surprised when you end up paying the bill not the insurer. It is the same with home warranties—look for events no covered. You have coverage on misuse of your credit card too. Most dental insurance does not cover the big expenses. You don’t need coverage on a rental car if your regular cover is comprehensive. Plus most credit cards provide cover. Insuring your pet is usually limited—check this guide. Finally, shop for the car coverage you need—not the policy your agent sells. Most contain duplicate coverage you already have.

Save $3,000 a year: https://www.amazon.com/Industry-Insiders-Guides-Buying-Insurance/dp/1466435712

 

401k, 403b, IRA, Roth IRA which is best?

Savings for retirement are turbo-charged by avoiding taxes and by compounding your earnings. The earlier you start your account, the more you will have later. First find out whether your employer will match your contributions to a plan at work. This is free money so you need to take it. If there is no match, you can start monthly contributions to an account that will grow tax-FREE for the rest of your life. The Roth 401k or 403b at work or Roth IRA at a low-cost mutual fund provider like Vanguard will avoid taxes on the earnings in your account and never be taxed in retirement. By investing $250 a month in a stock index, you could have over $1,000,000 tax-FREE to provide retirement income. You invest $250 a month for 33 years or $99,000 for $1 million. If you keep HALF in a stock fund, you can spend $70-80,000 a year without income taxes of 12-22%. You may be able to avoid taxes on your Social Security benefits too.  

Buffett recommendations: https://www.amazon.com/Warren-Buffett-can-make-millionaire/dp/1530555981

 

Can you afford to be sued?

If you are sued, an umbrella liability policy can pay your lawyer and legal costs. This policy protects you and your family from huge court judgments if you are the unlucky victim of an accident. If you are involved in any accident—car crash or trip and fall on your property—the lawyers will go after the person or company with the deepest pockets. So if you own any property or assets, you may become the target. You may recall how doctors now refuse to help anyone injured on the street or in a building. In the past, victims went after the Good Samaritan because they had assets and their help was faulted. The most common events are your guest ‘falls’ in your home, your dog ‘bites’ a passerby, a serious car crash, a neighbor’s kid falls while playing in your yard. Any event on your rental property or any suit from something you did or said to someone else. For instance, President Clinton used an ‘umbrella’ to cover his legal defense expenses. If you have normal car insurance, it has limits for paying others’ medical expenses. This policy will cover the rest. These policies are usually written by your car insurer. For the average homeowner, the cost is less than $300 a year for $1,000,000 cover.

Lawyers are expensive: https://www.amazon.com/Lawsuit-Insurance-need-right-policy/dp/1480061123

 

Where is that refund?

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

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

Estimated tax payments are still due April 15. If you are self-employed or do not have enough withheld from a paycheck, pension or Social Security, you may have to send quarterly payments to the IRS. Tax returns for 2020 are due May 17 not April 15 but the estimated tax payments are still on schedule.

IRS will redo your taxes and send refund if you paid tax on Unemployment 2020.

 

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

If you have unemployment income, ObamaCare coverage you should wait to file since the IRS has not yet implemented tax-FREE provisions of the new Covid law. If you already filed and paid tax on your unemployment income, IRS says it will send you a refund of the tax automatically. DO NOT FILE an amended return to obtain a refund on this tax. Taxes due MAY 17 not April 15. Input the W-2, unemployment, SS benefits, IRAs, pensions, RMD, brokerage, etc. forms you have. You can file for FREE online. If you didn’t receive a correct form, file a Form 4852.  Usually filing your state return costs as little as $15 unless you buy the Pro helpline. Avoid $300-400 paid preparer fees—new IRS forms mean higher fees. Unemployment insurance is TAXABLE on the Federal income tax return; not on some state returns. Some states do not tax your SS and pension benefits.

 

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

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

 

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

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

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

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

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

 

IRS has $1.3 billion refunds for 2017 tax returns

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

You have 45 days to collect your cash!

 

 

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

 

 

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

 

 

Americans killing Americans: New gun sales at record level

 

Supreme Court justices are primarily political officials rather than jurists.

 

Doctor: Floyd killed by Chauvin’s weight on neck

 

Our ‘Truth and Reconciliation Commission’? 

 

 

How Govt wastes our money:

55 major companies paid NO tax in 2020: average American paid 33% of income

Treasury Secretary Janet Yellen called for a global minimum corporate tax rate

 

Most companies have 10 lobbyist for each Representative: Most of us have none.

Biden spends $3,750 a week per child in TX camps: someone getting really rich!

SCAMS/SPINS:

Trump’s Roger Stone coordinates Oath Keepers’ ‘Whip’ attempted coup Jan 6 Coup

 

Trump holds court of Trumpists near FL palace: plan for future overthrow of democracy

 

Qanon hidden in plain sight: Ron is son of Jim, owner of imageboard website A Big con!

 

Atlanta loses MLB All-Star game: GOP bars Dems from voting rout win by suppression

Corporations fund our anti-democracy vote suppression Representatives: say but not do!

 

GOP AR sets up separate health care laws for one group: GOP decides care; not doctors

GOP using auto deductions from donors without permission: Trump taking money: Con

 

George Blankenbaker IN stole $11 million fraud money laundering Ponzi scheme

Yorba Capital Management caught coercing clients: exaggerating consequences of wait.

Zachary Horwitz CA caught running Ponzi scheme fake movie sales: 35% returns

Gaetz asked Trump for pardon for affair with underage girl: guilty seeks pardon

 

$20-$60 for fake Covid vaccine card: real shot card is FREE

Hospital charges $3,358 for Covid test: usually $135: ask ‘total costs’: Medicare for all!

Wireless ‘unlimited’ and other cons for your attorney to read: ‘one-time’ fee every year

Did your Facebook data in the hands of hackers? 533 million Facebook accounts leaked 

 

BEWARE: it is easy to mislead & change the facts to fit ideology: get confirmation

 

IRS: Easy Steps to Protect Your Computer and Phone and Avoid Phishing Emails.

IRS: Free special ID protection PIN goes on your return so scammers can’t take refund

IRS: Previous tax returns available online: https://www.irs.gov/individuals/get-transcript

IRS tips to avoid scams: https://www.irs.gov/newsroom/tax-scams-consumer-alerts

 

Is it a scam?  Check AARP scamline 877.908.3360. BBB Scam tracker

 

Check IRS: https://www.irs.gov/newsroom/dirty-dozen-part-1-taxpayers-should-be-on-the-lookout-for-these-scams

https://www.irs.gov/newsroom/dirty-dozen-part-2-thieves-work-all-year-to-scam-taxpayers

Find tax preparer: https://www.irs.gov/tax-professionals/choosing-a-tax-professional

 

Check Social Security: https://blog.ssa.gov/

Safeguard data: ConsumerReports help: https://securityplanner.consumerreports.org/

 

Jobs

Business owners can deduct 100% of biz meals for 2021-2022 if restaurant hasn’t closed

No chip; no truck: US grinds to halt since US can’t make compute chips anymore?

 

Who owns your account now?

Half million Americans have taken Biden’s special health insurance offer

3 of 700,000 vaccinated OR folks die: must wear masks, 6 ft rest of life

Biden looks to restore Utah monuments slashed by Trump

 

Miracles:

SpaceX rocket debris falls in WA farm: cows OK but scared

‘Double mutant’ COVID-19 strain emerges in California: evolution makes 2 mutants

Only 222 died Sunday: airlines to pack ‘em in as before: wear mask for 5 hours?

 

HALF new Covid: Spring Break?: New York, Michigan, Florida, Pennsylvania, New Jersey

Miracle: world’s first self-chilling beverage can? still requires fridge

Basic laws of mass-energy particles/fields E=mc² don’t act as expected: stones are alive!

 

 

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/

 

 

Avoid paying for the tax cuts

Avoid paying for the wealthy Tax Cuts in the future

One way of making sure you can lower your taxes in the future is to operate a small business. The new pass-through entity tax is 25%. If you can take your income as revenue to your business—a DBA or LLC—you can avoid the higher rates. If your other income puts you in the 22 or 12% bracket, great. You can also share your expenses with your deductible business—car, meals, miscellaneous expenses, property, state income and sales taxes, job expenses, uniforms, dues, subscriptions, use of home, tax prep,  supplies, insurance, licenses, etc. on https://www.irs.gov/pub/irs-pdf/f1040sc.pdf.

If you end up with a loss some years, so be it—that negative reduces your 1040 income. Use a business to control your taxes like the Trump’s tax-credit class: https://www.amazon.com/Your-Tax-FREE-Account-IRS-approved-shelter/dp/153735292X

Buffett's SIMPLE Strategy Beats Wall Street

The Master of investing, Warren Buffett, 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. Buffett's strategy earned over 7% a year versus 2.2% for Wall Street's best and brightest. So there is no reason to pay a sales person working for a Wall Street firm to invest for you. The costs over time destroy your account success.     

            Buffett advocates a simple low-cost strategy: 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. 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%.

            Also note, since 1997 we have been able to invest for the long term without paying ANY taxes on the gains. In the past, we had to pay for gains in our 401k, IRA and pensions in retirement. We can avoid the charges to start and maintain these tax-advantaged accounts too. Earnings are FREE after age 59 ½. That can mean tax-FREE retirement income.

Earn 11% a year with Buffett’s strategy: https://www.amazon.com/MasterClass-Buffetts-SIMPLE-Strategy/dp/1983485268

GOP plans to win in 2018 by nullifying voters’ rights

OH GOP has been removing citizens from voter lists for years in an effort to make sure one party wins all the elections. GOP claims voter fraud is rampant even though study after study shows this is a lie. The U.S. Supreme Court will review an Ohio procedure that removes voters from the rolls if they haven’t cast a ballot in six years and fail to return a postcard. A 2002 law forbids states from removing registered voters from the rolls for simply not voting. At issue is the claim that GOP’s purge wrongly targets disadvantaged Ohioans for disenfranchisement. In ND, native Americans sue over state ID requirement since difficult to obtain. Trump has canceled his trumped up case for widespread voter fraud—now Bannon lost mind. Other states run by the GOP are dismantalling poling places and voting times.

Studies show no voter fraud. State GOP efforts are funded by the Koch political arm.

A few reasons to be grateful this holiday season: America is GREAT already!

See specific numbers for your own age at Your Life in Numbers.

• In 1966, average life expectancy was only 56 years. Today it’s 72. That’s an increase of 29 percent.
• Out of every 1,000 infants born, 113 died before their first birthday. Today, only 32 die. That’s a reduction of 72 percent.
• Median income per person rose from around $6,000 to around $16,000, or by 167 percent – and that’s adjusted for inflation and purchasing power.
• The food supply rose from about 2,300 calories per person per day to over 2,800 calories, an increase of 22 percent, thus reducing hunger.
• The length of schooling that a person could typically expect to receive was 3.9 years. Today, it’s 8.4 years – a 115 percent increase.

§        The world has become less authoritarian, with the level of democracy rising from -0.97 to 4.23 on a scale from -10 to 10. That’s an improvement of 5.2 points. 

Happy Holiday      Happy Holiday            Happy Holiday

Is your advisor honest?

Your ‘advisor’ is a salesperson first and foremost. They would not have a job otherwise. Contrary to the Wall Street hype, your ‘advisor’ has no special information. The firm they work for may not be honest. Recently Citigroup caught using “buy” instead of “sell” or no ratings and clients lost $ millions. Citigroup is not the Stratton Oakmont firm from the Wolf of Wall Street but Citi proves you need a 2^nd opinion when you consult financial help. You need to know enough to “trust but verify.” VERIFY every claim they make.

The most successful Wall Street executives are NOT traders. They do NOT try to time the market. They have learned the lessons of the financial legends: “The stock market is a device for transferring money from the impatient to the patient,” Warren Buffett said.      

In fact, the average managed-account equity investor earned just 3.79% a year over 30 years! A simple index fund earned 11%. Buffett, perhaps the greatest investor of all time, with 60 years experience, boils down the stock market to patience.   Mr Buffett's strategy of patience is the most successful. He earns about 20% a year compounded over time. He does NOT buy and sell stocks frequently. In other words, he does the opposite of what Wall Street 'advises' us to do. Wall Street is a sales industry not an advice industry.

Do we ask a barber if we need a haircut?

https://www.amazon.com/Your-Advisors-Handbook-advisors-secrets/dp/1981644350

The SWEET part of the tax cut bat

“You all just got a lot richer,” Trump boasted to members of Mar-a-Lago on Dec. 22, according to CBS. The reason Trump’s co-billionaires are so happy with the GOP is a new deduction for their LLCs. The new deduction allows people with pass-through income — profits from a partnership or sole proprietorship, for instance — to write off 20% of that income before calculating their taxes. Think of it! Trump owns more than 500 large, pass-through real estate firms like his golf clubs and hotels — just the type of business that would qualify most easily. Certain restrictions apply for professionals who are NOT employees of their businesses but for anyone with a part-time job and not receiving employee benefits, keep 20% off the top. For a closely held business that operates now as an S corp, it should consider switching to C corp due to the cut in the corporate tax rate. With the change in estate tax, a family with assets around $20 million has to think carefully about whether they want to make gifts now, with no step-up in basis at death, or whether they want to hold assets until death, with a free step-up in basis.

Use your own tax haven: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

What can you do if you expect your taxes to go up in 2018?

Many in the blue states need to plan for their GOP increase in federal taxes due to the repeal of or limit on their deductions and exemptions. If you used to deduct over $10,000 in property and state income taxes, you may find you will owe more tax in 2018. There is a penalty for underpaying your taxes so you might want to increase your withholding by DECREASING your allowances on a W-4 at work and/or having Social Security withhold 7, 10, 15, or 25% from your benefits each month on W-4V. Sign the form and return it to your local Social Security office by mail or in person. If you find you have no deductions to offset your increased tax liability in 2018, you can send the IRS estimated tax payments using form 1040 ES:  https://www.irs.gov/pub/irs-pdf/f1040es.pdf.

Avoid GOP tax increase: https://www.amazon.com/Tax-Credit-Class-use-your-credits-ZERO/dp/1539462382

Do you need a reliable vehicle?

Consumer Reports cites 10 vehicles that you can count on. Toyota and its Lexus are on the list again. Korean cars are most improved followed by American name brands. Today all cars are made all around the world. In fact, some foreigners have more American work/parts than the American names. JD Power illustrates the myths of vehicle reliability. Most new updates have problems that take time to work out. So many wealthy folks go for the lightly used luxury models after CR and JD reports how owners faired. Sometimes the lack of hype works to your advantage by leaving many new cars on the lot in the Fall when the new arrive. Research is much easier today. Shop online (50 mi radius) for what you want and perhaps the dealer will go get it for you. Beware 10 worst: https://www.cheatsheet.com/automobiles/consumer-reports-worst-cars-2017.html/2/

Shop for insurance discounts too: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Who can you claim as deduction/exemption on your IRS forms?

Many tax filers miss a larger refund because their tax preparer miss classifies people they support. Your grandma in Canada or Mexico can be your dependent. All your girlfriend’s children can be a deduction for you. Anyone living in your household could be a deduction. The rules are complicated and sometimes you and your preparer may have questions. See if these fit your case:  https://turbotax.intuit.com/tax-tips/family/the-dirty-dozen-12-tricky-tax-dependent-dilemmas/L20FwLLje. Ask the IRS at irs.gov.website.helpdesk@speedymail.com

BEWARE: Trump watered down health insurance coverage

When you buy a policy outside of the subsidized ObamaCare ACA site, you might be getting limited coverage. Trump changed regs to let “junk” insurance be sold by any insurer. Lowering the price by “removing undue restrictions” like pregnancy cover, drugs, emergency room, and preventive screening (breast cancer screen $600) may require you file bankruptcy like before 2010. Ask which of the 10 Obama essential coverages you are giving up and plan accordingly. Opium rehab can now be excluded from a policy and rates for pre-existing conditions are raised.

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

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

TrumpWorld

The Path to Dictatorship

“I have absolute right to do what I want to do with the Justice Department,”

Trump Says He Has An 'Absolute Right' To Control The Justice Department.

‘I’m the only one that matters’ The Don, Nov 3, 2017

Trump enforcers lie re: contacts to Putin and list longer: Why all the lies if innocent?

Mandate: ‘I was elected President’ like Washington, Obama and Hitler

Bannon and I wish to “destroy the state”–our government.

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

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

Trump cancelled health policy for addicted 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.”

Ross, Commerce, direct link to Putin energy consortium and Russia-Cyprus bank

Putin sent 60 money wires to US marked “to finance election campaign of 2016.”

Russia manipulated our votes: Pizzagate: from Ms Campbell to Mr Welch’s AR-15.

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

LOCK ‘EM UP--Mueller draining the swamp!—Everyone gets pardon!

Papadopoulos rolls: Trump-Putin liaison pleads guilty.

Manafort rolls: Trump’s money launderer manager indicted: conspiracy against US.

Flynn rolls: Trump’s national security advisor and foreign agent pleads guilty to lying. “my actions were wrong” "if I did a tenth of what she [Clinton] did, I'd be in jail today.” I am not a traitor. Right, but he also said he never talked to Russia and had no connection to Russia and said was not paid by Turkey to change policy.

Manafort, Flynn, Kushner, Conway, Ross, Trump Jr,

McFarland (“If there is a tit-for-tat escalation, Trump will have difficulty improving relations with Russia which has just thrown U.S.A. election to him.”)

 Trump’s lawyer said his defense for obstruction is he can’t obstruct justice: above law?

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.)

Citigroup caught using “buy” instead of “sell,” no ratings so clients lost $6 million.

Trump ending protection against another 2007-8 bank failure and broker overcharging

Trump ends limits on fracking and offshore drilling and killing birds and mining wilds

Trump freezing Fed hiring and pay to cover his tax cuts to billionaires.

Trump ending enforcement for occupational safety issues.

Your Mazerati has fuel leak with prices starting at $105,600 should have none. 

Police need Caller ID:

Kill by Remote: “Bomb threats are more fun and cooler than swats in my opinion and I should have just stuck to that,” Swautistic told reporter Brian Krebs on Friday. “But I began making $ doing some swat requests.” Dead man is target of feuding videogamers!

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

Another special person dead—“guns don’t kill people” for fun. Is your wife next?

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

Trump lies even when he does not need to or when it does not help him—Psychotic?

WH mass delusion: "The president,” Sanders told reporters, “believes in making sure that information is accurate before pushing it out as fact..."

My Theory on Trump -- Putin ‘love’:

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. The conduit is Deutch Bank. ‘Colluding’ Putin style. Trump always has a fall guy to blame when caught in lie. Sessions claims campaign execs all too inept and overwhelmed to collude on purpose.

Russia social media helped flood American media with pro Trump propaganda

Putin gives The Don a big kiss—first name basis—Don made markets hum

Trump gives Putin classified CIA intell on terrorists

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

President’s coin ‘13 original states and motto’ & “E pluribus unum”gone: DJT 3 times.

Tillerson Exxon calls Trump a ‘f__king moron” ‘MORON’ and LIAR:

McMaster, National security adviser: Trump has intelligence of a “kindergartner”

“If Bannon does think Trump Jr. committed treason — or something short of that — perhaps he simply wants to put himself as far as possible from how the broader Russia investigation might view that meeting with a Russian lawyer. Bannon's name has been conspicuously missing from many of the developments in the Russia probe … but he's expected to be a key witness given his high-ranking roles[.]”

Dictator talk time:

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

Is this the end of American democracy: "no man [woman] is above the law"

“I have absolute right to do what I want to do with the Justice Department,” Trump Says He Has An 'Absolute Right' To Control The Justice Department. Hitler did too.

Trump” not ready ‘YET’ to give Flynn his pardon for conspiracy against US 

Banned words -- Burning books next?

Fire & Furry gossip Trump sues to stop. Trump goes to court to ban a book about his presidency and his attitudes.

"It's worse than you can imagine. An idiot surrounded by clowns. Trump won't read anything.” Fox TV is main source of tweets. McDonald’s to avoid poisoning.

Trump’s Disease Control has banned words he does not like as if disease disappears

Trump lawyer says he can't 'obstruct justice.' 

So Trump like Putin is a dictator. Trump is no longer claiming Russia just fake news—collusion/conspiracy real—but he can do it because he is prez, they say.

Trump storm troops arrest people who look like immigrants.

How do you prove you are citizen? ICE acts like Gestapo: no record if you’re taken. No calls to family allowed. Kidnap immigrants dropping kids off or in court for ticket.

Trump considers secret mercenaries he will direct to undermine CIA, NSA: like Hitler’s SA?

Make American ‘Conservative-White’ Again

Trump packing in young Scalia-type judges to kill abortion, liberal rights across US.

Obama: we must protect democracy from Nazi-style dictatorship—vigilance and press

Delusions of Grandeur:  ‘I’m the only one that matters’ The Don, Nov 3, 2017

            I can never be wrong: “The reason I originally endorsed Luther Strange (and his numbers went up mightily), is that I said Roy Moore will not be able to win the General Election. I was right! Roy worked hard but the deck was stacked against him!”

Trump compulsion to take advantage of women at every opportunity.“They let you do it”

Persecution complex: 'No politician in history has been treated more unfairly' The Don

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

Fires FBI head because he was investigating The Don’s Russia mob ties then blames FBI.

  

Fear is a ruler’s weapon: “Media is America’s enemy” but 1^st amendment still US law.

Trump has become ‘The Leader’—compare how democracy was killed in the 30s.

Ideology can justify any policy: At RedState, there has always been one hard and fast rule: Oppose abortion at all costs. Christian Right is not Christianity but ideology.

Today child molester; tomorrow rapists? How GOP religionists justify crimes of the Fuehrer and followers. He can pardon every crime.

1998 the House of Representatives approves two articles of impeachment against President Bill Clinton, charging him with lying under oath to a federal grand jury and obstructing justice.

2017 Nov. House of Representatives introduced articles of impeachment against President Don Trump, charging him with firing FBI Comey, violations of the Emoluments Clause, actions "undermining" the judiciary and freedom of the press.

2018 the House of Representatives approves two articles of impeachment against President Don Trump, charging him with lying under oath and obstructing justice. Trump was told that Flynn lied to FBI so he commanded Comey to drop it. Lied on TV about why he fired Flynn. Fired Comey to end inquiry on Trump’s conspiracy with foreign power to destroy lawful election admitted on TV. Fired NY AG who was investigating his laundering Putin money via real estate.

TX Rep Al Green’s Articles of Impeachment failed Dec2017. WWIII next?

  

Quid pro quo: "something for something."

Nursing home fines for abuse ended so owners can’t lose Medicaid funding

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

We have given The Don time to act like president: Time to Impeach for obstructing FBI

https://action.needtoimpeach.com/act-og3-t2?sc=ad_gg_lba_us_impeach-.-.-.-60s-20171020

How Govt wastes our money:

Corporate subsidies AFTER ‘tax overhaul’: $6 billion for sugar processors, $1 billion for dairy, $800 million for marketing to foreigners, $370 million for peanut corps, $650 million for manufacturer’s consultants, $2.5 billion for F-35 problem fixes, $1.2 billion to subsidize southern power, $1 billion for TVA parks etc, and thousands more. 

SCAMS:

CA law allows deduction for property tax as charity to CA Excellence Fund

Jobs:

Best Benefits Companies: 20 for 2^nd look: https://www.cnbc.com/2017/05/03/the-20-best-companies-for-work-life-balance.html

Who owns your account now?

Voya annuities to Apollo Crestview and Reverence Capital

Miracle:

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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