Get What You Pay For: Save 200% on stocks, mutual funds, every financial
need
Avoid taxes and fees. Let your money compound.
Cut out the middleman/woman. Buy only what you need.
Cut out the middleman/woman. Buy only what you need.
The best guarantee of lifelong
security is having money. We grow our savings in a tax-FREE investment account.
It assures us of money when we need it. We stop paying unnecessary taxes. We
avoid overpaying for products and services by buying only what we need directly
from manufacturers, not salespeople. We save $3,000 a year. http://www.amazon.com/dp/1492384100
ObamaCare saves $1.2 billion in premiums already
6.8 million of us saved an estimated $1.2 billion on health
insurance premiums in 2012, due to the “rate review” provision of the
Affordable Care Act, which brought unprecedented accountability to slow the
growth of health insurance premiums. We received a check for $324—Blue
Cross Blue Shield charged more than they needed to cover their overhead and
profits. ObamaCare requires insurers spend premiums on claims not on executive
perks. http://www.cms.gov/CCIIO/Resources/Fact-Sheets-and-FAQs/ratereview05192011a.html
Vanguard helps millions reach goals
With $2.2
trillion in assets to manage for investors, Vanguard is the top retail
mutual fund firm. Many 401k and college savings plans use Vanguard because its
funds are owned by investors not
stockholders. All services are provided “at cost.” Many money managers,
charging 1-3% of your assets, are now using ETFs (index funds) from Vanguard as
part of their offerings. Investors have not yet learned that high-paid money
managers pay only 0.05% for the ETFs they are resold by their advisor. Pay less;
keep more: http://www.amazon.com/Wealth-Without-Wall-Street-Commissions/dp/1442168137
GOP health ins plan costs more than ObamaCare!
The first
comprehensive Republican alternative to President Barack
Obama's health care plan, a large group of House conservatives is
unveiling legislation that provides an expanded tax break for consumers who
purchase their own health care and increases government funding for high-risk
pools.
The plan endorsed by
the Republican Study Committee would let individuals who purchase coverage
claim a deduction of $7,500 against income and payroll taxes,
regardless of the cost of the insurance. Families could deduct $20,000.
ObamaCare’s
exchanges let individuals buy coverage from insurers and receive a tax
deduction also. The ObamaCare’s family deduction is not so generous as the GOP
plan. Most taxpayers don’t owe $20,000 in taxes anyway! This is socialism for the
rich.
Think long term with
investments
Habitable conditions on planet Earth will persist for at
least another 1.75 billion years and perhaps as much as 3.5 billion years,
according to a new study conducted by astrobiologists at the University
of East Anglia
Is your advisor giving you the best options for YOU or him/her?
The government promised to spell out how your advisor should
act in giving YOU the best options. Brokers do not have to give you the best
advice, only advice that won’t hurt you. New rules surrounding fiduciary
standards will have to wait, and wait, and wait some more as financial advisors
last week learned that the U.S. Department of Labor has pushed back yet again
its proposals to amend the definition of a fiduciary. Unfortunately, when the
lawyers start making rules about ethical conduct, we all lose. It is better to
trust only those who have no bias about financials. http://www.amazon.com/Unbiased-Advisors-Network-helps-tax-FREE/dp/1470106841
Do you really need life insurance anymore?
In a survey, 55 percent of seniors said they have allowed
their life insurance policies to lapse, viewing it as a liability instead of an
asset. More than 80 percent of adults aged 66 and over were not aware that they
can sell an existing life insurance policy for a cash payout. Maybe you don’t
need life insurance anymore. There are several options: http://www.amazon.com/Life-Insurance-Need-Save-right/dp/1480002178
SCAMS “Deficits
don’t matter” Republican godfather, Dick Cheney, 2002
IAN
41 Watchung Plaza, B242
973.746.2014
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