Do you know how much you can spend in retirement?
Check your plan before you hit retirement. You have time to
fix it if you don’t have enough. You can check your Social Security benefits
online at http://www.ssa.gov/mystatement/.
Complete the worksheet for definite answers in
Your Retirement Spending Plan
Did you know your 401(k) fees may be 46
percent higher than fees required?
Most of us don’t know how much we are paying. Most of us
believe the Wall St
Most mutual fund holders can save $3,000 a year on fees by
switching to the low-cost leader and NOT suffer poor returns. Over time, our
members have increased their nest egg by $200,000 to $500,000 by using the two
low cost firms: http://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466/
Can you save on home insurance claims?
Yes. Basic maintenance can save the expense and time of home
losses. Here is a checklist of things that you can do: https://www.travelers.com/personal-insurance/renters-insurance/home-maintenance-guide.aspx#spring
Need an unbiased planner to check your plan?
Vanguard, owned by its shareholders, not the fund managers,
is offering planners to help you make sure you have what you need. Trained to
advise not sell, these Vanguard employees may help you with little or no cost
to you because you are a shareholder.
Women lack nest egg for retirement and live longer—Double
disaster GOP could fix
There's a gender
gap in the workforce, and it needs to be addressed. Women
earn 77 cents for every dollar men earn -- 64 cents for African American
women and 56 cents for Latinas -- which adds up to a loss of about $431,000 over the course of their professional lives. No
one, on either side of the aisle, wants women to be discriminated
against in the workplace. And yet, the Paycheck
Fairness Act failed in the Senate on Tuesday. The procedural vote was along
party lines, with 46 Republicans voting against it, 50 Democrats voting for it,
two independent senators joining the Democrats, and Republican Senator Mark
Kirk of Illinois
ObamaCare benefits unknown to 80% of Americans
78 percent of consumers who would be eligible for new health
care coverage under the Patient Protection and Affordable Care Act have never
heard of the state-based health care exchanges where they will have to shop for
coverage beginning in 2014. In addition, 60 percent of respondents said they
believe they will need help in understanding health care insurance terms and
descriptions and navigating the complex health care system. It is no wonder
that the public is unfavorable.
Can GOP buy the President position next?
Unions outspent by Koch’s governor Walker in WI—a 21 to 3 ratio election dollars
"This is one election," Chris Fleming, the media
director for the American Federation of State, County and Municipal Employees,
told Yahoo News of the recall, adding that the left was heavily outspent in
this race. "We cannot compete with the Koch brothers and all of Walker Walker Milwaukee Walker
SCAMS “Only
the little people pay taxes.” Leona Helmsley
AFLAC’s duck gets plucked for messing with customer cash
State split up $1.6 million settlement with Nebraska-based
American Family Life Assurance Co., known as AFLAC, after a multistate
investigation found numerous problems with the insurance company's practices.
Regulators found almost every insurer scam that has been practiced over the
years, including agent promises not from insurers, duplicate coverage,
churning, pushing bad products, changing dates, rebating and illegal
incentives. AFLAC gets to continue these until December because they didn’t
admit they were wrong. The $1.6 million will be added to the premiums. No one
goes to jail.
-- Lack of proper supervision of sales, ads made and
distributed by insurance agents/brokers, and bonuses and other incentives
-- Sales of duplicate accident and health coverage
-- Sales of policies that replaced or converted existing
ones
-- Cross-border sales
-- Suitability/overselling
-- Policies that had waiting periods
-- Record retention and claim-date stamps
-- Discounts and special offers
-- Offering value-added services
AFLAC has not admitted or denied any legal violations. The
company agreed to submit compliance reports to the department every six months
for a total of three years, starting this December.
Cult leader lived on members death benefits but now charged
with murder
The self-proclaimed leader of a Kansas Wichita
Life insurance policy requires the beneficiary have an
“insurable interest.” Was Hughes Perez’s wife? Was agent in on another scam
gone bad?
IAN
41 Watchung Plaza, B242
973.746.2014
Alerts available at http://dankeppel.blogspot.com/
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