Friday, March 25, 2016

America's future?

America’s future?
GOP experiment fails: Cut taxes—no services, no jobs, no freedom
GOP KS Gov Brownback’s “experiment” tax cuts create debt downgrades, weak growth, and school finances under court direction. The Kansas City Star’s reported KS lost another 1,900 jobs in February and now has 5,400 fewer jobs than it did one year ago: “Growth” rate of -0.4% is first time in five years and worst in the nation. Koch owns KS politics but is expanding SC jobs, not KS. OH and WI cut school funding for rich tax cuts too.
KS has now legalized discrimination by religion on campus. No more open university for learning and experimenting with beliefs. YOU are now excluded from groups legally!
John Birch and KKK alive and well in KS!  GA is next to OK discrimination.

Are stock tip sheets right for you?
“Market conditions now match those when stocks were at their November peak. Sell your stocks now or you'll wish you had…” Ken Goldberg, says his chart says to sell and buy the stocks he says will save you from impoverishment. Do these services that cost $200 and up help you … or just the promoters. If you buy these stocks with “serious upside potential” you will need to sell the ones they recommended last week. Oh?!. Can you beat the market by buying and selling? Can Jim Cramer really make you rich? Can your advisor beat a low-cost index every year?
One guy has been successful making his fellow owners millionaires and billionaires:

How do advisors estimate your retirement fund growth?
Advisors use a number of methods to estimate how much you may have upon retirement and how long your funds will last. They should mention that none of their computer models nor years of experience nor education can accurately predict their answers. Depending on how much is in your account and the investment risk you are willing to take, they can forecast the future value of your fund using this calculator: For instance, if you have $250,000 and you are investing $3,000 a year for the next 20 years at 8% net earnings (after fees, taxes, etc), you might have $1.4 million. But that does not count inflation. At 3%, the account might have HALF that in purchasing power by then. Another way to estimate your retirement income is using a model called the Monte Carlo method. Using 5,000 different market conditions, you see how much you could spend after inflation. Note an equal ratio of stocks/bonds makes success more likely.

Is your bank helping the wealthy break the law?
JP Morgan Chase helped Madoff create the largest ponzi in history according to one of Madoff’s victims. Morgan paid a fine but no banker went to jail. Obama did not pursue them. How many other wealthy people are Wall Street banks assisting in breaking the law? Would the gov tell us even if they bothered to look? Don’t the gov ministers come from the same firms they should be regulating?  

Is your advisor helping you reach YOUR goals or theirs?
What is your advisor’s annual total return? Take the amount invested 10 years ago and the amount now and compare (without new contributions). Are you better off now by 140%? By 57%? If not your advisor may be doing better than you are and it’s time to let Warren make you a millionaireHis holding company BRK.B is up 140% since 2006. The market is up 57%. Where is your account? Perhaps it’s time to switch!

Did you receive your refunds yet?
The average fed and state is about $3,000. How long would it take your INVESTED refunds to reach $1,000,000? 50 years, 40, 30 or 20 years? It costs just $12.95 to start $1 million fund yourself. Salespeople can take 63% of your accumulations over time.  

GOP bag man wants to “neuter” top Dem (GOP always talking genitals?)
Top consumer protector Liz Warren was attacked by the GOP rep from MO. According to Warren, Rep Luetkemeyer is a “Wall Street yes-man” who has accepted “nearly a million dollars from the big banks, hedge funds and credit card companies. Luetkemer has also sponsored bills in the past that would curb Department of Justice crackdowns on predatory lenders and another that would reduce oversight of payday lenders. Last year, the Center for Responsive Politics found that Luetkemeyer ranks among the top 10 recipients of campaign contributions from payday and short-term lenders, who pray on consumers with loan rates that make the mafia blush—400%.

Does our President need to be smart and truthfulDo they even care about truth?

Trump that: German hometown upset with his "raw, unvarnished intolerance."
            In the desert, hyenas and wolves are teaming up in order to hunt for food
            Il Duce “I’m going to get judges that everybody likes “I guarantee it personally.”
            VP maybe Jesse Ventura, Palin has TV, Cruz, Ryan, Fiorina ???
            “Muslims Need To Show More Respect”—George Wallace “Blacks need…”
Ryan: “I will accept nomination in contested convention to save GOP from hell.
            (Brussels ‘terrorists’ were just armed robbers/carjackers not Muslim jihadists.)

Palin: Star in new Judge Judy-style courtroom reality show in 2017—Not VeeP?

Hill: Sorry, my husband didn’t mean that my last 8 years in office were “awful.” Oh Bill
Bernie: “If Qatar spends $200 billion on soccer stadium, it could spend as much fighting             terrorists. We can’t do Kuwait/Saudi Arabia’s dirty work anymore."

Regulators are the only protection we have since we can’t sue anymore
            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)
               Supremes stop us from suing—State courts no longer available to sue corporations!

.GOP now (after horse left) wants regulations, after children poisoned; asks Feds to pay!
.William J. Wells, Promitor Capital stole $1.5 million promising brilliant trades
.Regulators lack broker examiners since Congress cut funding—investors at risk of fraud.
.Robert Lunn, Lunn Partners caught on bank fraud and Scottie Pippen fraud
.Guns, not people, kill people: Mom, shot by 4 year old, gets 180 days in jail.

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

My estate plan cost nothing to establish and fund—heirs pay no taxes
If you leave your IRA, annuity or 401k to your heirs when you pass, they may receive a huge tax bill from the IRS and state treasurer. All deferred savings plans are deferred meaning you or your heirs must pay income tax on the gains. If your heirs are in their prime earning years, they may get bumped into the higher tax bracket. They may pay 40% of your legacy to tax authorities. I will avoid this problem by using a special IRS tax-FREE account that I have funded for the last 10 years. I avoided all the legal costs of an estate plan and establishing a trust. I have both at no charge.
You can avoid the legacy costs—including heir income taxes:

Consumer Reports on your best and worst buys: vehicles
Reviews show US car makers still have a distance to travel for Americans even though most of the best are made in America. It ranks automakers across the world by reliability, road test performance and other factors. For the second year in a row, Lexus topped the list, nearly matched by Mazda, and followed by Toyota and Audi. The bottom of the list included Ford, Dodge, BMW Mini, Jeep and Fiat.

Is critical illness insurance right for you?
It sounds like insurance you should have but remember what happened to Donny Ray Black in Grisham’s The Rainmaker. Your insurer knows the game better than you do so have your financial advisor or lawyer investigate the policy first. You must be “sick as they define it.” Your doctor doesn’t decide if you get paid. Benefits of $5,000 to $100,000 are paid if you meet all their conditions. It costs $25 to $50 a month. You could have Vanguard take $50 a month out of your checking to invest over time for $100,000. Most people cancel before they use policy. At least Vanguard gives you your money back. And if you don’t need it, you can use the money for other things.

How the government wastes our tax money
.New destroyer cost $4.4 BILLION and has been rejected by commanders as costs soar.
.Boeing makes new unmanned sub we don’t need at outrageous cost
.AL GOP Gov Bentley reversed the minimum wage increase Birmingham gave to workers last month back to $7.25 in order to give 4 friends raises of $73,405 on $91,000.
Why would Alabama voters vote GOP to lower their wages?
.FBI faking it: a group of Johns Hopkins University researchers has found a bug in Apple’s encryption, one that would enable a skilled attacker to decrypt iphones.
.KY changes marriage cert so Kim Davis does not have to sign GOP religion wins!

Doctors who receive payments from the medical industry do indeed tend to prescribe drugs differently than their colleagues who don’t. And the more money they receive, on average, the more brand-name medications they prescribe. Doctors who received industry payments were two to three times as likely to prescribe brand-name drugs at exceptionally high rates as others in their specialty. Medicare data only.

Service people are targeted more than other groups.
Debt collectors harass them by going to commanders about unproven debt or medical debt not paid by the VA. Improper credit reporting gives service people bad rating which affects all financials--insurance, mortgage and sometimes job acceptance.

Who owns your account now?

41 Watchung Plaza, B242
MontclairNJ 07042

Friday, March 18, 2016

Last chance to cut tax bill

Owe income tax?
There is one way to reduce your 2015 tax bill NOW that 2015 is over. You can deduct up to $5,500 ($6,500 age >50) per spouse on line 32 Form 1040. You must be under age 70½ at the end of the tax year in order to contribute to a traditional IRA. There is no age limit to contribute to a Roth IRA but you don’t get the deduction since all the gains are FREE. You must have taxable compensation—wages, salaries or self-employment. It also includes tips, commissions, bonuses and alimony. If you are married and file a joint tax return, only one spouse needs to have compensation in most cases. You may also qualify for the Saver’s Credit on line 51. It can reduce your taxes up to $2,000 if you file a joint return. You have until April 18 to reduce your bill. You can amend your return if you forgot to take deductions for teachers, student loan/tuition, early withdrawal, alimony, energy saver, and other taxes paid.
Refund? Create a tax-FREE retirement painlessly:

Protect your tax refund—use your Protection PIN
Save yourself the grief of fighting for your refund and your ID. It takes 9 months to resolve Identity Theft cases. Use a PIN on your return that thieves can’t submit on a fake return. Even if they have your Social, they don’t have your P PIN. Send in this Form 14039 to the IRS for your P PIN and use it on your return. Anyone who has had their bank or store account hacked may be a victim so this PIN may be used each year. IRS will send you a new one each year. The IRS rejected or suspended the processing of 4.8 million suspicious returns last year.
Don’t be next.

Can Warren Buffett make you a millionaire?
Mr Buffett has made thousands of investors in his company Berkshire Hathaway millionaires and billionaires. His record over 50 years is unmatched by Wall Street because he does not trade securities nor time the market or do ANY of the things the “professionals” swear we should do to become wealthy. Ironically, Buffett does not charge an annual fee or a commission or an inactivity fee or a fee of any kind. In fact, Buffett tells us NOT to pay anybody to invest for you. He has provided us with all the information we need to become millionaires on our own for FREE. He does not sell anything. He doesn’t need the money—he has $72 billions already.

Did you sell when the market fell 11% this year?
If you did NOTHING, you are following the Investment Wisdom to Live Well By. If you sold on February 11 or 12, I’m sorry. Have you re-invested in the market or held cash? If you went to bonds, you may be down less than 1%. It is almost impossible to know when to buy and sell at the right times to take advantage of the volatility of the market. Hedge funds with “brilliant” salespeople have not had a great year although they have all been paid well. But if you are not a trader or hedge fund manager, you are trying to figure out what to do next.
Why not follow the investment wisdom of the ages with Buffett, Bogle and the Bible as your guide:

GOP Religion wins in FL – no choice for women when clinics close
FL bill is similar to a Texas law requiring admitting privileges at a nearby hospital, which is now being challenged before the U.S. Supreme court. The measure goes to Gov for signature. Sen. Kelli Stargel, R-Lakeland, said her bill is not intended to outlaw abortion — which she admitted she would like to do, if the courts would allow it.
GOP uses regulations when it helps install GOP religious beliefs.
GOP wants NO regulation of global warming even if it kills us!
Even Forbes, the Capitalist Tool, is advocating action on warming, especially in low areas like FL and TX, despite Rubio, Cruz and Gov Scott and Abbott denials. You can’t stick your head in the sand anymore without drowning. 80% of FL and 70% of TX will be affected. Should you sell and move now? A new storm could reduce your equity even more if GOP does not even consider action now. Denial has no long-term benefits.
These are the people who run this country?

Did your broker tell you goodbye?
Most brokers and advisors are being told by their firm that they must drop clients with smaller balances. The reason is simple: profit. They claim that with the new regulation mandating that brokers offer you the best product for your situation (not just a satisfactory product with high commission), they can’t make money. For instance, the firm will not keep your account because a mutual fund that costs $0.05% per year that does the same thing as their fund that costs 2.2% is the best for you but is not profitable. They will only offer unique products like a “managed” account because it is profitable. A managed account is supposed to be designed just for you even though most are standardize portfolios by your age, risk tolerance and social class. The fiduciary rule will make investing less expensive and more rewarding for most investors. Some studies show that investors lose up to 63% of their possible accumulations to unnecessary fees and commissions. You will pay less and earn more.

Trump as President is logical outcome for GOP’s Tea Party revolt
The Teas have finally achieved their goals. After shutting the Federal government in 2013 and filling the House and Senate with “no compromise” representatives and turning back time in many state governments, the movement has created a new era in politics. America is reversing its trend to broader health care, environmental controls, social supports, better public schools, immigration, fewer military interventions, more reproductive choice, recognition of minorities, sexual expression, and religious freedom.
Where are the Teas taking us? Their goals are interpreted in different ways but the theme seems to be to go back to America in the 1950s or earlier when white Christian men created the most successful economy in history. Conservative white males made the rules for all of us to follow and the rules favored their class. They justified the system in the name of defense against the godless communists. They napalmed Vietnam to get rid of them. They created the military/industrial complex so America could arm the world profitably. Today the enemy is combo of terrorists, illegals, social support programs, non-Christians, gun controllers, regulation, voter ‘fraud’, big government, pro-choice laws, Social Security and Medicare expenses, liberal thoughts, and social toleration. A Milwaukee man is accused of killing his neighbors after finding out they didn’t speak English.
House GOP’s new budget will increase spending and cut SS and Medicare!!!

Does our President need to be smart and truthful? Do they even care about truth?

Trump: Individual allegiance (swear) to the Leader, not GOP, in FL rally =1935  
            “I think Islam hates us.” We can’t let people who hate us in. Muslims this time!
            “Just watch me build the Wall”—but they use tunnels these days 
            And sometimes submarines!   
            Trump food and mags are not his—“Sorry, that line is discontinued.”
            Glenn Beck compared Breitbart website to Hitler propagandist Goebbels.
            Threatens 3rd party and GOP failure if not GOP choice at convention
Christie: I love spending Other People’s (Taxpayers) Money on my flights and lunch.
Carson: “Even if Trump is bad for America, his reign only lasts 4 years” Needs surgery
Hill: VP rumors are Michelle Obama, Kerry, Bernie and Liz Warren?
Bernie: CA is next biggie

Regulators are the only protection we have since we can’t sue anymore
            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)
               Supremes stop us from suing—State courts no longer available to sue corporations!

 Credit Suisse has been accused of allowing money laundering by one client 
Student Loan Processing.US, James Krause, banned from in debt relief businesses
Royal Alliance Assoc, SagePoint Financial and FSC Securities overcharge you!
Top brokers with most advisors disciplined for misconduct—the bad apples list
20% Oppenheimer & Co. One in 5 brokers caught mistreating clients.
18% First Allied Securities, Inc.
15% Wells Fargo Advisors Financial Network, LLC
15% UBS Financial Services
14% Cetera Advisors, LLC
14% Securities America, Inc.
14% National Planning Corporation
14% Raymond James & Associates, Inc.
13% Stifel, Nicolaus & Company, Inc.
13% Janney Montgomery Scott, LLC
Tuna recalled before you get sick:
Morgan Drexen caught charging illegal fees and deceiving consumers on debt relief. 

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

How did we get into debt to $19 TRILLION? Can we ever pay it off?
Each President has increased the public debt for different reasons. Each party claimed it was doing what was best for the country. We got to $19 Trillion by spending more. Neither party will take us back to ZERO despite claims. No candidate, even GOP, is promising to reduce the debt. All want to increase debt because they all want to buy more military and more gov spending, cut taxes and pay the ever increasing interest on the debt. If other countries overspend too, does it make any difference in relations if we are all in debt to each other? If corporations change their tax address (on paper) to pay less tax and the wealthy move their assets to the lowest tax places, can any tax system built on individual accountability pay off its countries debt? … doubtful. Are the current tax territories (town, county, state, country) even relevant if those making the most money—corporations and top 3%--can fake a new tax addresses?

How our government wastes our money
EPA blamed for not stopping Gov Snyder from changing water supply of Flint but GOP             does not want EPA to regulate our water, air, food, etc. Nixon created for safety.

Someone claiming to be from the IRS calls and asks for money or to verify your identity? Hang up immediately. Contact TIGTA to report the call. Use their “IRS Impersonation Scam Reporting” web page. You can also call 800-366-4484. Report it to the Federal Trade Commission. Use the “FTC Complaint Assistant” on Please add “IRS Telephone Scam” in the ‘notes.’ For more, visit “Tax Scams and Consumer Alerts” on

Who owns your account now?

41 Watchung Plaza, B242
MontclairNJ 07042

Friday, March 11, 2016

How Trump avoids taxes we can't

Trump’s real estate business helps him avoid taxes you can’t avoid
When we see his tax returns, it will reflect one to the greatest tax evasion schemes on earth: depreciation. Depreciation on Trump’s buildings let him tell the IRS that his 1978 income was negative by $406,379. The next year, it was negative $3.4 million, according to documents found by Pulitzer-winner David Cay Johnston in casino regulatory files. Trump even gets the NY property tax subsidy. When you are wealthy with your dad’s assets, you can buy a building with little down, (Chinese finance it and get immigrant VISA) and then deduct the interest, maintenance, plus part of its price every year you own it. This can mean you owe no income taxes and you may get a refund. You may even have a property tax subsidy. His Chinese investors get free US visa/residency and access to money laundering. 

Cayman Island financial firm admits it helped wealthy evade taxes
Cayman National Securities Ltd and Cayman National Trust Co Ltd each pleaded guilty in federal court in Manhattan to conspiring with U.S. taxpayer clients to hide $130 million in offshore accounts and evade paying taxes from 2001 to 2011.
In court, Cayman National CEO Stuart Dack said the subsidiaries "engaged in this conduct knowingly and willingly and were aware this conduct was wrong."

The best investments for you
Consider what your investments need to do for a successful future. You may want to earn $100,000 for your kids’ college or start your own business or have enough for your retirement. What is the best investment for you?  Do you trust a broker to pick investments or use your own judgment or get a little help when you need it? This decision is crucial to your success. Best situation would be high earnings without loss at a reasonable cost. Your choices are paying 2% every year for a broker/advisor to pick investments that MAY NOT earn above average returns or paying 0.20% for market average returns of 11%. Studies show the average brokerage account earns just 3.79% while the low-cost market match earns you 11.06%. Take 11% inside Tax-FREE account.

Obama supports gun sales—up 25% at S&W—GOP is wrong about Obama?
Gun maker Smith & Wesson reported revenues rose 61% year-over-year to $211 million, boosted by a 25.3% jump in handgun sales. The FBI’s National Instant Criminal Background Check System (NICS), which is a proxy for demand, surged by more than 25% over the last year, “validating our belief in the long-term growth prospects for the firearms market,” CEO James Debney said. Mass shootings are up: Once a day becomes American habit. Houston robbers get automatic weapons. Chevy trucks help break in. Guns are growth business under Obama—up 600% in 5 years! GOP thrilled!
We are back before Tombstone gun control law forced gunfight over gun control law. Wyatt Earp and Doc Holliday were charged with murder, at first.

Wall Street traders’ jobs gone as automation runs the markets
Algorithms and computer modeling are now used to trade stocks, exchange-traded funds, commodities, currencies, futures and other products. There used to be dozens of specialist firms, as designated market makers were once known, at the NYSE floor. But profits from trading U.S. stocks dwindled, making it difficult to serve as market makers without automation. Although GTS, Virtu, IMC and KCG employ human traders at the floor, their businesses are driven by some of the industry’s most sophisticated computer systems. Floor managers oversee computers. There are no banks serving as market makers at the NYSE floor, completing a shift spurred by the automation of trading over the past couple decades. Trillions of bits and bytes replace people and paper.

GOP of MI decline to help Flint further
After trying to save money by poisoning the water GOP legislature says no more aide to Flint until budget fixed in Oct. GOP are waiting for American tax payers to fix GOP mess for $300 Billion. GOP Snyder blames EPA for Flint poisonings.  

GOP of KS, LA, MI, OK destroyed budget; gave subsidies/loopholes; made deficits
Bobby Jindal, who reduced revenue by giving tax breaks to wealthy, and created new subsidies that didn’t deliver growth replaced by DEM to fix economy. New taxes on poor (sales tax up 25%) will stem deficits—Rich escape increase in income taxes.
Repeat of KS? GOP offered subsidies to business and society suffers. In recent years, Michigan and several other states have also cut business taxes, lowering revenue to the states’ coffers. Jobs didn’t develop. GOP cuts social programs for those who can’t fight back. Some subsidies are taken and business moves anyway: Carrier got $5 million and then moved to Mexico. Some, like GM, just give CEO a bonus.

GOP of KY promised repeal ObamaCare but people like health care
KY is keeping Medicaid expansion of 300,000 insureds and use of exchange to buy insurance from carriers. As in IN, GOP added window dressing to ObamaCare to keep citizens well. Gov Bevin seems to have learned firsthand that it was impossible to snap his fingers and make all that go away without upsetting a lot of people. In other words, when Republicans have had chances to put their repeal talk into action, they haven't. People need health care and GOP has no plan.
GOP will keep ObamaCare—it’s really GOP idea

RIP Antonin Scalia—Supremes DO CARE about environment after all!
At Scalia death, Supreme Chief Roberts refused to block an EPA limits on mercury and other pollutants from coal-fired power plants. Last month, Scalia and Roberts had blocked Obama’s climate legislation. Is the tide turning? Obama has interviewed 5 judges to replace Scalia as per Constitution.
GOP wants Trump to name Scalia successor;  but it could be Judge Judy.

GOP religion becomes law in MO
You can now discriminate against anyone you don’t like just by saying the magic words, I have "a sincere religious belief." Your right to break civil law is now in the MO constitution despite the ruling of America’s “highest” court. Our “equal under law” system and the Supremes have been demoted in MO. There is no law for all in America anymore. "Rewriting our state's constitution to condone discrimination would be contrary to our values and harmful to our economy," Gov Nixon said. Logically, GOP religionists will create a state where only their religious beliefs will be allowed. This is called a theocracy, and many people in other countries live under the threat of death for their behavior. MO has taken the first step. Trump says we can’t let Muslims in because they hate us. He wants Mexicans deported. Which group will be next?
In the 1940s, Pastor Niemöller said: “they came first for the Communists, And I didn't speak up because I wasn't a Communist; And then they came for the trade unionists, And I didn't speak up because I wasn't a trade unionist; And then they came for the Jews, And I didn't speak up because I wasn't a Jew; And then . . . they came for me . . .”

Does our President need to be smart and truthful? Do they even care about truth?

FL 2016                       Berlin 1935

Trump: Individual allegiance (swear) to the Leader, not GOP, in FL rally =1935   
            “I think Islam hates us.” We can’t let people who hate us in. Muslims this time!
            “Just watch me build the Wall”—but don’t they use tunnels these days?
            GOP donors: ‘Dictators arose because people did not stand up and say, ‘It’s             wrong to scapegoat minorities.’ … This threatens the fabric of our country.’ 
            3nd reporter thrown to ground/ejected by Trump “brown shirts”
            Protestors beaten: “I will pay for the legal fees if you knock the crap out of 'em.”

Cruz: I won ME so I can take FL away from Rubio.
Kasich: Arnold thinks I am “action hero.” OK Where is Arnold now?

Rubio: “You can’t blame GOP for Flint water poisoning just because GOP in charge.”
            I regret my “penis” attack only because "My kids were embarrassed by it."
            I have not paid my taxes on time for 6 years—poor money management.

            Americans like “socialism” by another name—SS, Medicare, Medicaid, etc
Sanders: American Revolution comes from voters voting out the millionaire Congress.
            KS and NE are conservative states that voted for me: don’t like big wasteful gov.   
            MI independents voted their hearts.
Clinton:  “you sided with the Koch brothers" in NOT supporting EX-IM subsidy but             Clinton’s PAC took $3.25 million from Koch’s “fossil fuel firms.”

Regulators are the only protection we have since we can’t sue anymore
            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill requires impossible: every person in class action suffer “same type and scope of injury”)
               Supremes stop us from suing—State courts no longer available to sue corporations!

Ford F150: brakes fail 420,000 pickups with 3.5-Liter, 2013-4, says NHTSA.
Michael Oppenheim, JPMorgan, got 5 years stole $20 million; promised to invest it.
4-year old shoots mom with mom’s own gun—guns kill people not people

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

How our government wastes our money
GOP $300 million Flint mess blamed on EPA; MI GOP Snyder likes BIG gov NOW.

Company check—see complaints BEFORE you use a vendor for any financial help.   
New phishing email scheme from your company executives—don’t respond, call HR.
Snowden: FBI claims that only Apple can unlock Farook’s phone is not true.

Who owns your account now?
Brokers with MetLife Premier Client Group were sold to Massachusetts Mutual Life

41 Watchung Plaza, B242
MontclairNJ 07042