Friday, December 7, 2012

Gift of Lifetime for grandchild


A Gift of a Lifetime: Give your Grandchild a gift that provides tax-FREE income
Your grandchild could have a Wealth ReserveTM  providing tax-FREE income. 
Your monthly gift could provide your grandchild with real "social security:" their own tax-FREE money. You take advantage of the miracle of compounding. Your gift of $100 a month for 10 years becomes a tax-FREE $1,000,000 Wealth ReserveTM  over time. You could reduce your taxable estate for each grandchild too. 
Your grandchild will NEVER have to pay taxes on the money either. Social Security will exhaust its funds in about 2033, so start today with $100 a month.


Cuban revolution is over! Taxes begin 
Most Cubans have not paid taxes for half a century, but that will change under a new code starting January 1. The landmark regulations will change the relations of Cubans with their government and are a signal that market-oriented reforms, launched since President Raul Castro succeeded his brother, Fidel Castro, in 2008, are here to stay. The recently published code constitutes the first comprehensive taxation in Cuba since the 1959 revolution abolished just about all taxes. We have an alternative--create a retirement that is income tax-FREE: http://www.barnesandnoble.com/w/tax-free-retirement-law-steeple/1113460121


Study shows that financial analysts know less than you do about financial future
Value investor and author James Montier found that:
In the US, the average 24-month forecast error for individual stocks is 93%, and the average 12-month forecast error is 47% over the period 2001-2006. The data for Europe are no less disconcerting. The average 24-month forecast error is 95%, and the average 12-month forecast error is 43%. To put it mildly, analysts don’t have a clue about future earnings. You are better off using low-cost index funds than paying advisors that know less than you do about value—and you save 40% long term: http://www.amazon.com/Do-Yourself-Personal-Finance-commissions/dp/1480156493


Is it time to take charge of your future?
Your Retirement Mutual Funds: 10 mutual funds to make sure your retirement income last as long as you!
Your investment plan assures you of income AND growth.
Your spending plan assures you of income for life.
Your Wealth ReserveTM  provides TAX-FREE income for life.
Your tax-advantaged mutual funds grow at 10-12% per year.
Start today! Every year you delay costs you $100,000 later
Ten diversified mutual funds assure us of retirement income AND inflation-busting growth we can't outlive.

Insurers caught overcharging … again!
Massachusetts motorcycle owners will receive more than $2.8 million in insurance refunds as a result of settlements with two insurance companies that allegedly overcharged thousands of policyholders. Shopping for new coverage is the only way to tell you are overcharged $400-$500:http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Are you liable if your holiday party guest has accident?
According to some experts, you could be sued for having alcohol at your holiday party. Even if it is not your alcohol that causes an accident, as host, you may be liable for making it available, offering it in your home anytime before the guests leave, or even when others bring it and consume it without your knowledge. Options: no alcohol, serving ends 1 hour before anyone leaves, arrange for alternative transport, move party to restaurant or someone else’s home. The same can be true of food poisoning. Consider lawsuit insurance: http://www.amazon.com/Lawsuit-Insurance-need-right-policy/dp/1480061123

NJ Christie vetoes health care exchanges
N.J. Gov. Christie Vetoes State-Run Health Exchange Bill. He blames Obama for not being more specific.



SCAMS           “Only the little people pay taxes.” Leona Helmsley

Our tax subsidy to college football?
College football programs require you to make a donation in order to buy some tickets. Then ticket purchasers can write off 80 percent of the value of the mandatory donations against their taxes, which costs the federal treasury $100 million a year. http://www.nonprofitquarterly.org/policysocial-context/21269-is-tax-incentive-for-college-football-season-ticket-holders-fair.html

Is this the Afgan freedom we are helping restore?
A 14-year-old Afghan girl was beheaded by two men, one of whom apparently asked her to marry him. She turned him down. 

How insurers rig the property claim process against you!
Read this report so you understand how insurance companies try to cheat you:http://www.consumerfed.org/pdfs/Studies.ComputerClaims06-04-12.pdf


Who owns your account now?
Zecco Securities to TradeKing
Woodbury Financial Services to American International Group

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MontclairNJ 07042
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