401k or IRA Tax-FREE or Tax-Deferred Which is best for you?

401k or IRA Tax-FREE or Tax-Deferred
Which retirement plan is best for you?
New, for your graduate!
Help them decide when the begin work.
$19.95 https://www.createspace.com/3828464

Last minute tax filing?
If your income is from employers and you don’t have many deductions/family complications, you can do it online and efile immediately. You may not even have to pay for it. Use the sites recommended by IRS. http://www.irs.gov/efile/article/0,,id=118986,00.html.
You can either use a questionnaire type program or use the forms IRS provides and copy your W-2 info into them. I have used a number of the cheap questionnaire companies. Use your return from last year to help make sure you have entered all the information you need to enter before you send it by efile. The worst that happens is you don’t report all your income and they send you a bill.

If Romney pays 14% in fed inc tax, how much do you pay? More?
HINT: Only the poor pay less!
GOP wants to hold the current tax rates on the rich. However, the rich don’t pay the current rate of 35% so what is the big deal? The wealthy pay NO FICA, NO state income tax, NO Medicare, NO unemployment, NO state disability because they don’t earn a wage. They spend little of their own money (their family office pays) so they pay little local sales tax either. It is a free ride
on our tax dollar.
http://www.financialsamurai.com/2011/04/12/how-much-money-do-the-top-income-earners-make-percent/

Dog insurance? Another mandate for the common good?
Own a dog like a pit bull and live in Elephant Butte NM and you must carry special liability
insurance. As of March 1, those dogs are considered potentially dangerous by the city of Elephant Butte. Anyone with that breed and others now has 90 days to insure their dogs for $100,000 worth of personal property liability. Mandates are a GOP idea—a call for personal responsibility.

What are the Supremes deciding to take away this week?
You
have the right to be covered for pre-existing conditions.
You
have the right to put your kids on your policy if they doesn’t have ins.
You
have the right to buy affordable care so you don’t rely on charity.
You
have the right to get basic care no matter who you work for.
You
have the right to care no matter what that major surgery costs.
You
have the right to senior drug reimbursement.
Your employer
gets a credit for your health care coverage.
You
have a new medical center locally from funds of ACA.
You
have right to free screenings, especially for women and seniors.
http://voices.washingtonpost.com/fact-checker/2011/01/health_care_myths.html
http://www.insurancebroadcasting.com/news/Countdown-to-Coverage-2723194-1.html?ET=broadcasting:e3598:2224487a:&st=email

Supremes top GOP justice derides ObamaCare provision that isn’t in the law
Scalia mocks health care law ‘Cornhusker Kickback’ provision—that no longer exists.
Could it be that GOP justices have already decided their votes without consideration?
This is our future life and they don’t even care what the merits are. Politics wins!
http://news.yahoo.com/blogs/ticket/scalia-mocks-health-care-law-cornhusker-kickback-provision-205148292.html

Banks are the last to recognize home values have fallen—head in sand?
The number of permanent modifications fell 44 percent in the fourth quarter from a year earlier and 16 percent from the prior three-month period, according to the report. At the same time, the number of homes seized through foreclosures rose 22 percent to 116,060 and the number of short sales, when lenders agree to sell for less than the debt on the property, increased 29
percent from a year earlier to 63,257.

SCAMS
“It's totally corrupt.”
According to one retiring senator, our elected representatives spend almost 50% of their time dialing for dollars on their donor lists EVERY DAY!
One said, 'I wake up every morning knowing that I have to raise $20,000 today.' 'It's a horrifying
thing to think of and it prevents me from doing most of my job.' Congress people have to rent an office that's not on federal property and just sit there dialing for dollars all day and have fundraisers every evening. It's no way to live. It's no way to do politics. It's crap. It's crappy politics.
It's totally corrupt."

IAN
41 Watchung Plaza, B242
Montclair,
NJ 07042
973.746.2014
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