Can you hide 20% of your earnings from taxes like big
corporations?
Our corporations are hiding $2.1
TRILLION in earnings overseas to AVOID paying their fair share of taxes. And
the cash piles have grown so large — about $90 billion at Microsoft, for
example — that claims of plans to reinvest this money overseas simply aren’t
credible. The money can’t go to the owners of the companies so our pension
managers should be screaming. For many companies, like GE, who have manipulated
the tax code to pay NO tax for years, there is no good reason to keep dividends
from owners and investors. Yet, lobbyists and our “representatives” have
conspired to do just that.
Now, you can make your earnings tax-FREE too and you don’t
have to go overseas: http://www.amazon.com/Tax-Shelter-for-Americans/dp/1500426520
Did your 401k or IRA earn the market rate of 13% in 2014? If
not …
Use the Buffett strategy to maximize your pension. Over HALF
of actively managed mutual funds went bust in the last 10 years. Avoid fees
that can take up to 63%
of your total accumulations. If you rely on your broker’s advice, most Wall
Street stock picks had negative
or poor returns for the last 15 years.
Follow the Buffett strategy for best results: http://www.amazon.com/Reset-Your-Retirement-Income-retirement/dp/1512304344
High-cost fund managers are cheating—using index funds you
pay 40 times cost
ALERT: You may be paying 2.00% to your advisor who uses
index ETF that cost 0.05%. Over the last five years -- a period in which active
fund managers have both underperformed and lost market share to ETFs -- the
number of actively-managed equity funds that hold ETFs in their top-10 holdings
has jumped
174 percent, to a total of 148, according to Lipper data. In the past year,
the number of active equity funds with ETFs as a top-10 holding has risen more
than 23 percent, to 120.
Earn more—skip the middleman: http://www.amazon.com/Lies-Financial-Advisors-Told-alternatives/dp/1478281545
Is that 12% car loan right for you?
If you need a ride to get to work and your credit is in the
toilet, Wall Street will supply the contracts to lenders/dealers for your
purchase. However, at 12%
interest that vehicle will never get paid off over time. It will be
repossessed and Wall Street will earn whatever you have paid before it is
taken. Just like the no-doc mortgage fiasco that cost us $ trillions in wealth,
no-income car loans are feeding the middlemen but not helping us working
people. Dealers offer $30,000 BMWs to people without income or driver’s license
because both buyer and seller are misguided by Wall-Street-backed lenders.
Desperation and greed make a crisis inevitable and bankers
can NEVER go to jail.
Alternative is EARN 12% first: http://www.amazon.com/The-Simple-Financial-Life-paycheck/dp/1441499326
Allstate planning to sell your driver data for profit
Allstate’s Tom Wilson said improved technology will
eventually give the auto insurer a chance to boost
revenue by selling customer driving data. Insurers are increasingly using
data on customer habits to help analyze risks and set prices. The records could
also be valuable to advertisers who want to know where potential customers
travel and what hours they’re on the road.
Time to shop for new insurer: http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634
Patient investors are more successful than active ones
After analyzing portfolios held by 325,000 users, the robo-adviser SigFig
found that the most successful investors were the least active. Trading hurts
us. Women
make better investors than men. Warren Buffett’s style has been
characterized as “investing
like a girl.” Men tend to be overconfident, take undue risks and so earn
less; repeating the mistake over again. Women realize that it
takes time to grow a business—any investment. Slow and steady investing
beats fast-draw investing.
DEM crazies
DEMs are running Bernie from Brooklyn
with his common sense Agenda:
Address income and wealth inequality by demanding that the wealthy and large corporations start paying their fair share of taxes
Address income and wealth inequality by demanding that the wealthy and large corporations start paying their fair share of taxes
Make quality health
care a right for all Americans
Raise the minimum
wage to a living wage and make sure women are paid as much as men
Make higher
education affordable by ending tuition at all public colleges and universities
and by substantially lowering interest rates on student debt
Expand and protect
Social Security and Medicare
Have America lead
the world in addressing the planetary crisis of climate change
Take on Wall Street
to restore sanity to our economy
Bernie will take votes from Hillary? Crazy! He has no
millionaire PACs.
GOP crazies
GOP faces reality in some states—raise taxes to pay bills?
Even GOP must face facts sometimes. States
have to pay bills and can’t print money so they must take personal
responsibility (GOP theme). Cutting taxes in KS did not work. Businesses need
good schools, roads, living wage, etc to be effective, despite what some GOP
say. States do not have luxury of ideological standoff like Washington
and can’t wait for the 2016 new regime.
GOP entry Pataki says "it is time to stand up, protect
our freedom and take back this country." 25 candidates want to take
back country from GOP Congress?
GOP Santorum wants flat tax and no regulations—careful what
you wish for
Flat tax means most Americans will pay more and wealthy pay
less! American workers actually pay about 18% of income with various
deductions. Wealthy pay under 20% now. But we also pay SS, Medicare, DI, UC ,
FL
Santorum will cut regs on air, food, water, smoke, etc so pollution
would grow!
TX is mobilizing against a military Coup d'etat by
… Obama?!
People are getting ready to take
a stand against the Army with handguns. Media star Alex Jones is citing a
plot by the Obama administration to declare martial law in Texas
and take everyone’s guns. Rumors fuel paranoia and fear. The Gov and candidate
Cruz are adding credibility. Is this just an NRA stunt to gain a million
members? (The POLICE
derailed a bill to allow people to openly carry handguns everywhere.)
TX asks for Obama help with flood relief after crying about
too much government
Cruz promised to do all he could to ensure that Texans get
access to the resources they need during the recovery. Rejected
questions of global warming: He said: "the satellite data demonstrate
that there has been no significant warming whatsoever for 17 years."
Is it rational to deny warming is happening?
Is a “smart” beta investment right for you?
“Smart beta is much more smart
marketing than smart investing,” the legendary Dr. Burton Malkiel told his
audience at Princeton . “I'm not a fan of smart beta,”
declared the professor of economics, emeritus, and senior economist at Princeton
University
Compare the two indexes: http://www.amazon.com/Our-Tricks-Trade-beat-Street/dp/1490475362
Is the “fiduciary” rule important to you?
Let’s say you are leaving your job for another and you ask
your advisor what to do with your 401k or other pension. Most salespeople will
move your money to their firm’s high-cost mutual fund and promise your money
will be safer in an annuity they are selling too. This sounds good until you
retire and find the fees (2% for advisor and 2% for annuity) have cut your nest
egg by 63%.
Instead, a fee-only planner would compare your current
holdings to a similar low-fee mutual fund. After assessing the tax implications
of moving your money to your new employer vs staying put vs a rollover IRA,
they would give you an unbiased cost benefit analysis. You would have the
option of paying a one-time fee or ongoing fee for this.
You could compare the three options yourself: http://www.amazon.com/Tune-your-401k-EARN-Tax-FREE/dp/1490591028
Which investment option do you use for your 401k, 403b, IRA,
any pension?
Use the Buffett strategy to maximize your pension. Become a
Buffett millionaire.
Avoid fees that can take up to 63% of your total
accumulations.
Maximize your pension: https://youtu.be/dZL_nV-Gh-s
SCAMS Why
are we still paying $700 Billion a year for
WWII deployments? That is 27
cents of each dollar in taxes—the largest part of our money—and we
aren’t even at war. We could pay off our debts and fix our schools,
roads and bridges!
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 and 50,000 in Germany.
We are building another
military base for Japan at Henoko. Air Force Gen. Ronald Fogelman admitted
that the Marines “serve no military function there. They don’t
need to be in Okinawa to meet any time line in any war plan.”
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 to defend themselves.
The War
on Terror requires special forces attacks on top terrorists at their
homes like Obama’s
al-Amr May14 Abu kill. Iraq proved converting a nation to
Western-style republic doesn’t work. The
troops we trained ran away, left our stuff—more costs. Former
Saddam army now ISIS. We are wasting
$4 billion a year on Afgan
tribal rivalries; paying ransom to Al Qaeda; supporting corruption with our
money.
Is your financial firm in trouble with government?
FINRA takes disciplinary actions against firms and
individuals for violations of FINRA rules; federal securities laws, rules, and
regulations; and the rules of the Municipal Securities Rulemaking Board. - See
more at:
NSA has records all our calls, BUT finding the needle in the
haystack takes time
According to the New America Foundation, after NSA shared terrorist-suspect
Moalin’s number with the FBI, the bureau waited
two months to begin an investigation and wiretap his phone. FBI let Boston
Regulators announced fraud charges against Gray
Financial Group for their handling of the city's pension funds for police,
firefighters, transit workers and other employees.
Laurence Gray and co-CEO Robert Hubbard IV steered public
pension fund clients into an investment fund that did not comply with state law
and collected more than $1.7 million as a result.
Regulators fine FL mortgage foreclosure firm
Hoffman Law Group is accused of using deceptive marketing
practices and scamming distressed homeowners into paying illegal advance fees.
Hoffman (formerly Residential Litigation Group), its operators, Michael Harper,
Benn Willcox, and attorney Marc Hoffman, Nationwide Management Solutions, Legal
Intake Solutions, File Intake Solutions, and BM Marketing Group, North Palm
Beach, FL promised to save 2,000 homes from foreclosure.
None will go to jail and can move operations to another
state.
IAN
41 Watchung Plaza, B242
Montclair, NJ 07042
973.746.2014
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