Will you have an estate tax problem?
The federal estate tax exemption is $5.34 million per person. Roughly 0.2% of the 2.4 million decedents in 2014 will have a federal taxable estate, while 99.8% will not have a taxable estate. See if you face a state estate/inheritance tax here. Most states have none: http://www.nolo.com/legal-encyclopedia/state-estate-taxes.html. Congratulations if you have an estate over $10.68 million. Use an attorney to retitle assets to exempt them and plan how to give away the excess now. Use this outline: http://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016
The federal estate tax exemption is $5.34 million per person. Roughly 0.2% of the 2.4 million decedents in 2014 will have a federal taxable estate, while 99.8% will not have a taxable estate. See if you face a state estate/inheritance tax here. Most states have none: http://www.nolo.com/legal-encyclopedia/state-estate-taxes.html. Congratulations if you have an estate over $10.68 million. Use an attorney to retitle assets to exempt them and plan how to give away the excess now. Use this outline: http://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016
Will you have enough for retirement?
The share of Americans 65 and older with mortgage debt rose
to 30 percent in 2011 from 22 percent in 2001. The increase in mortgage debt
may influence labor-force dynamics as some older Americans find they’re unable
to completely retire, needing extra cash to keep up monthly payments. Loan
balances doubled to $79,000. It also diminishes home equity and wealth, making these households more
susceptible to swings in the economy and curbing spending on things such as
vacations and visits to grandchildren. Pay ZERO tax in retirement:
GOP crazies
Trump goes bankrupt again—he’s really good at it—he can run
in 2016
Trump, the 68-year-old real-estate ‘tycoon’ and reality-TV ‘star,’
began investing in Atlantic City in
the early 1980s. His three casinos went through bankruptcy in the early 1990s,
after opening the $1 billion Taj Mahal in a recession. This will be the third time the entire company was put
into bankruptcy -- it sought court protection in 2004 and again in 2009, when
Trump gave up the chairmanship for TV “reality” life.
Donald, sorry. You’re fired!
Are all the vehicle discounts right for you?
Each insurer offers up to 20 discounts for your coverage but you must ask. Most agents don’t go through the list because discounts reduce their pay. Make sure you are not paying for some coverage TWICE. You may never collect on some coverage so drop it. Shop every two years and save with the right policy: http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634
Each insurer offers up to 20 discounts for your coverage but you must ask. Most agents don’t go through the list because discounts reduce their pay. Make sure you are not paying for some coverage TWICE. You may never collect on some coverage so drop it. Shop every two years and save with the right policy: http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634
Is the Vanguard Windsor fund right for you?
Since 1958, this managed fund has provided an average return
of 11.63%. It owns large companies that are temporarily depressed for
non-crucial reasons. It costs more than the Vanguard 500 index (.37% vs .05%)
but provides value-weighted market exposure for the long term. It is one of the
Vanguard Top 10: http://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X
Manufacturing returning to American South for low wages, low
costs, no tax?
Large manufacturers are demanding low wages, free land, free
roads, free training, free taxes, free regulations to go south. America
is split—wealthy enclaves and a Third World economy.
Some states are “among
the least expensive production sites in the industrialized world.” Wages
are non-union $14 not $20. Extended families with more than one worker making
$30,000 can make it but with no health care, retirement or college savings.
Towns in the South must provide remedial training—reading and math are needed
to make things these days. Two Americas —the
poor and the rich?
Is a 401k loan right for you?
People turn to this easy to tap pot-o’-gold like they won
the lottery. Unfortunately, this is giving up more than you realize. Each
$10,000 borrowed robs you $100,000 later. This is a good chunk of your
retirement money and you can never get it back. Time can’t be recreated. Time
is what makes a retirement fund work. Each $3,000 401k annual contribution/FREE
money from employer is worth $30,000 later because of compound interest takes
time to add the extra $27,000 earnings. So if you have an emergency need for
cash, consider that you may be sentencing yourself to your job for another 15
years. Check loans from your employer, bank, home, relatives, church, credit
union and the folks you owe. Your 401k is your greatest asset: http://www.amazon.com/Tune-your-401k-EARN-Tax-FREE/dp/1490591028
Hospitals consider paying patient premiums
The South Florida
Hospital
Patients left without coverage in hospital and end up filing
bankruptcy. Only IRA money protected.
SCAMS Why are
we still
paying $700 Billion a year for WWII
deployments?
We are paying for 164,253 of our active-duty armed personnel
to be in 150 countries around the world. We have about 50,000 in Japan Germany
Are we preparing for WWII again? There are 1,208,083[1] armed
personnel in the United States .
Our taxes pay for about HALF of the WORLD’s military expenditures
every year. We have wasted $398.6 billion
so far on the F-35 program—they can’t
fly safely.
We just can’t afford to pay for everyone else’s defenses
anymore.
Japan, Germany and S.
Korea can pay for their own defenses.
Big oil undermines democratic process in CA vote
Oil companies are quietly working to make it look like
working Californians are spontaneously rising up in protest against the climate
standards. In recent months, groups have popped up that appear to be grass-roots
organizations started by ordinary people opposed to the rules. In fact,
they’re paid for by the oil industry. Fake groups scare public with higher gas
price forecasts. Big oil aims to stop pollution regulations. Oil
still gets our tax dollars in subsidy.
Who to sue if a robo-driverless car hits you?
Even if you don’t have to drive in your robo-car, can you
sit in the same seat for hours waiting to correct a mistake?
“IRS” calls me warning a warrant
for my arrest will be issued if I don’t call
IRS says they don’t call and no, I don’t owe anything.
It is just a scam, they say. They even have my Social. How’s
that?
IAN
41 Watchung Plaza, B242
973.746.2014
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