Friday, July 28, 2017

Can you avoid the new taxes?

New taxes: Lobbyists are already designing new taxes for us to pay
Koch Industries, after pouring $1 billion into elections for GOP, has put their former employee, Eli Miller into the Treasury Dept to formulate tax policy for Koch and us. The Koch front group AFP will begin Aug 2 event with extremist Rep Mark Meadows to push reducing corporate taxes and regs. Tax reform for the extremists means cutting spending for our needs since most (70%) of the budget goes for interest on the debt and military. Medicaid and Food Stamps and even SS and Medicare are in Ryan’s plan to be cut to offset wealthy tax cuts. Some consider using a national sales tax (VAT) or tariff but the lobbyists are against it of course. Koch’s AFP has threatened our ‘reps’ with election defeat if they don’t vote their way. (Putin’s hackers may help out.) American corporations want lower taxes even though the amount they actually pay is 12.6% not 34%. Using tax loopholes, many don’t pay. Corporations’ portion of tax revenue has fallen from 32% in 1952 to 10%. The Koch campaign will include advertising, canvassing and rallies in states. The Koch network has said it plans to spend $300-$400 million total during the 2018 election cycle, and AFP has 36 state chapters and close to 500 paid staff who knock on doors to persuade voters. It’s a 3rd US party. Corporations have more money to spend lobbying for more profit less tax. Does your ‘rep’ lobby for less tax for you? Can you give them $100,000 for an audience?

ETFs are all the rage with brokers but are they for you?
Index funds packaged to be sold by brokers/advisors for commission and fees are hot. The marketing and sales hype are amazing and millennials are biting. So between 2004 and 2014, index funds outperformed actively managed funds across almost all asset classes. “If you go the passive route, you might not only save money on investment fees, but snag a greater return to boot.” But why pay a broker advisor to buy an index that was created to be traded. AH. The catch is sales people make money when you trade but trading defeats all the benefit of “passive” investing. Plain old index funds are winning: you earn more by NOT trading. What does Warren Buffett recommend we do? He even tells us where to invest to earn more and pay less!

Trump on the path to dictatorship seizing our assets
Yes, Justice Dept has issued new rules to take our stuff, even if we did nothing and have NOT even been charged with a crime. Trump’s procedure allows police to seize someone’s money, car, or even their home on mere suspicion — in many cases, the person hasn’t even been charged with a crime, let alone prosecuted or convicted. And even if the person isn’t charged with a crime at all, the government keeps those assets.
Just like taking our property to build something like The Wall (‘imminent domain’) except we don’t get paid for the stuff they take. It is called civil forfeiture. The rule was intended for drug dealers. From 2007 to 2016, the Drug Enforcement Administration obtained $3.2 billion in cash seizures without filing any charges against the people from whom they took the money. There have been reports of police departments using their “wish lists” on crime sweeps. Ferguson police used to do this with traffic stops. If you are wealthy, you can hide assets using another name or corp or oversees or you can file suit.

Trump on the path to dictatorship seizing our information
Dictator talk time:
“When the president does it, that means it is not illegal,” Richard Nixon
Trump blocks expert: Glacier National Park's glaciers will largely disappear by 2030.

House to cut OMB so we don’t know what a law will cost in future: NO INFO.
Trump attacks individual reps for not voting his way—3rd world countries do this.
The Don has been attacking the Attorney General of the US and Senators who don’t do what he says or vote his way. His lawyer says 
The Don controls the FBI via Wray. Dictators have their own police force usually.
Will GOP go down with the Trumps? Some know The Don is crazy.
‘In his mind, he is his own best advocate, his own best lawyer,’ one adviser said.”
And “best” president except Lincoln.

Is a top 10 RIA advisor right for you?
Are you one of the 10,000 clients of the largest registered investment advisors? Since you are 1 in 10,000, I assume you are giving them your money because they are doing fantastic things for you. Some RIA are “finding efficiencies and using technology to scale down and serve massive numbers of end clients.” I hope you are not paying for ‘canned’ advice from their technology script. Certainly, when you have $ millions you deserve personal attention from somebody beside the receptionist. Some of these firms are adding thousands of clients a year. That means hundreds of new sales staff. Many firms are reluctant to publish their results so it is hard to evaluate them. Making you feel good is important but bottom line—they should be doing what is in YOUR best interest not worried about ratings or profits. If you don’t feel they are doing what is best for you, and you hate brokerage firms, consider the RIAs at the low-cost fund families like Vanguard, Schwab or TIAA. If you need a real planner, pay the hourly rate like your estate lawyer.

Trump on the path to dictatorship seizing our information
Trump is using fear of “carnage” in the streets to keep his voters in line. Now the WH to set up Govt-run news directly from WH like “Fox and Friends.” The Don consults with Fox Hannity about state propaganda machine. But we have pro-government TV press office already on Fox!
The Don has been attacking the Attorney General of the US and Senators who don’t do what he says or vote his way. His lawyer says he thinks he is the best Commander.
He thinks he is BEST president except for Lincoln—Washington, FDR, Kennedy?


Spies do the same thing around the world—Jr and Jared taken in
Business people are easy targets because they never suspect they are being manipulated. In South America, our CIA used business as cover to overthrow governments and kill people. Trump is right—we are not without our black oops. Many experts including the current TV expert Malcolm Nance have shown that spy masters use money and blackmail to move business people around the world. Since they are everywhere CIA & Putin need to be and have backgrounds that can be checked, businessmen are perfect pawns—some are even happy to be used. Most oil companies have a foreign black oops history. Trump’s ‘family’ and businesses were compromised by Russian mobsters. They needed money since 4 bankruptcies. Why else would Jared ask for a secret telephone line to Putin? Mueller and the Senate and House intelligence will require years to unravel all the connections and links. Trump must hide his past collusion with money launderers.


TrumpCare 3.0 has $13,000 deductible – senators not seen bill yet – vote anyway
TrumpCare 3rd edition is out to reduce premiums but the deductible is $13,000, which happens to violate US law. It would still increase the number of uninsured Americans by 22 million. Despite Trump promises for universal coverage, there is no way to “cover more people and cost less money.” UNLESS, Trump makes the deal he promised to reduce medical costs. Trump gave up that effort after just 1 meeting with industry lobbyists in 2016. Instead he promised them more profit by dropping regs and taxes. So even though he beat up Hillary over taking their money, he gave them what they wanted for nothing! Health care spending takes 18% of the economic activity vs 12% in the equivalent countries. Many studies say we pay up to 60% more than everyone else. Why? Lobbyists claim they spend the extra on research but most of the new drugs are minor cosmetic versions of the old. We know the money goes for endless TV commercials about drugs. Most of our new cures are from the US govt research program we already pay for. Cures for the big killers (heart and cancer) are funded at less than $5 billion—the drug companies spend under $1 billion. Their TV promos cost $6.4 Billion. Liar Pense decries Ohio Medicaid but he brought it to Indiana. ObamaCare has saved communities.
ObamaCare is working according to Trump’s own agency. Medicare could provide care to those that need care now for less. Our current ‘for-profit’ system costs $49 T but a single pay system costs $32 T. and don’t we have single pay NOW—there is only one insurer with most doctors in NJ so Horizon’s clerk decides what care I can have. Sure, if I want to spend $10,000 on my own I can have another insurer but no one does that. Congress gets a great plan and we let them pick their coverage but most working people don’t have that choice. Congress likes the sound of ‘choice’ but it means ZERO to 60%. Americans want the plan their ‘reps’ get—McCain got cancer surgery thanks to ObamaCare—equality.  It’s basic for life, liberty and pursuit of happiness.
DEMS: Now is the time to lead – Medicarefor all – Americans want care!   http://templatelab.com/single-payer-healthcare-research



MONEY BALL for Investing: Winning in an unfair market
Your family can beat Wall Street in the series because you use Billy Beane’s lessons.
In 2002, Billy Beane did the impossible. He knew he could not afford to buy replacements for Damon, Giambi and Isringhousen, so he hired an unknown economist wonk who had a system. Brad Pitt (Moneyball) explains his take on the system to his scouts. To win we need runs, so on-base percentage is critical. Does not matter how they get there—walks are good. He hires cheap players who have high on-base ratios. Scouts complain the new are not “baseball material” or too old or can't play positions or girl friend is ugly.
            The “professionals” think he is nuts. One is fired. Since the manager, Art Howe, doesn't buy it, he does not use the new players. Billy trades Art's players away so the manager is forced to use Billy's. Billy actually explains to the team how they can win by using their strengths—just get on base. Belichick's “Do your job.”          In his book, Michael Lewis tells us how the economics of baseball work and how Billy Beane, as a failed player, made history by NOT following the professionals' 'expert' knowledge.
            How can your family beat Wall Street 'professionals' over time? We take the Billy Beane approach.
            First, we acknowledge that we have a small budget for investing. We can't afford the hedge funds, offshore tax shelters, and expensive Wall Street money managers taking 2-3% a year. We use our economic ‘wonk,’ Warren Buffett.

Did you overpay for your truck?
$80,000 for a vehicle, even a tough one, seems, well, “tough.” If you can write it off your business, that is one thing. But if this is your glam ride, you need to shop for the used version. After doing research, you will find one that has the look you want but doesn’t put you in the $500 a month for 8 year crowd. Some of these are the most profitable item the car guys are selling.

Guess which vehicles are the least reliable?
Luxury cars are the most UNreliable according to the most recent study. Is it because they have too many gizmos or they only make 10000 of them? Who knows? This UK study says the Jag hits the bottom. Small little cheap cars have fewer problems. JD Power says the lowest rated is Fiat Jeep with Jag in the middle ahead of Audi, Volvo, and Rover. No need to pay for junk—Lexus is still top and a used one may be your best bargain.
Now that you have a big insurance bill, get all the discounts: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Did you leave any money when you moved?
Recently, I got mail addressed to my Dad from an insurer because his nursing home forwards mail of deceased residents. I followed up on a balance left behind with the insurer years ago. Eventually after 2 subsequent letters and emails, I got a check made to the Estate of … My bank refused to cash this check. Apparently, this is a money laundering technique and they can’t cash it even for the executor and heir. Since I would have to set up an account with a new $250 tax ID just for the check, I told them I was giving up. They offered a new form I could notarize and claim the money. After another few emails, I finally got the money and was able to cash the check. I thanked the non-profit nursing home with a donation.
You can do a search of each state by yourself: https://www.usa.gov/unclaimed-money.
My father’s name was not in his state’s registry because the money was still at the insurer so you must check past insurers/utilities/companies. Don’t pay for someone to search for you. They may sell your ID and hurt you. A name only free site is Credit Karma: https://www.creditkarma.com/unclaimed-money/search.
Hey, you never know. In New York state one person has $1.7 million waiting.



*****************
TrumpWorld
Goal: Everyone knows the Trump brand around the world
Trump supporter is upset with DC and future; overlooks his sins


Trump gives in to Putin: removes CIA from Syria leaving moderates to scatter.
Trump group places mob ties above country; it’s about money POWER not US service.
Russian lobbyists guide Trump crew and GOP on business interests toward Russia.
Exxon Tillerson pays $2 mil fine for violating sanctions out of his own pocket change.


Trump is still just a mafia contractor from Queens—Fred taught him to be The Don.
Like mob boss, he threatens Senators

Putin Ambassador: “not on Trump side, we are on side of justice” Putin hacked elections.
Breitbart: firing Sessions “only serves to highlight Trump’s own hypocrisy” Losing base.


Mobsters don’t call the FBI when Jr doing an illegal deal with fellow mobsters.

Putin will have full access to our 2018 elections since Trump doesn’t help states upgrade.



My Theory:
No one expected him to win so no harm getting Putin help. Don owes Vlad’s mob money so they sent mob gofer Manafort to run the campaign. ‘Colluding’ Putin style.

TrumpWorld – using presidency to make money the old fashioned way: theft
Jared/Ivanka lied again on their disclosure: ‘forgot’ 77 more assets worth $millions
Jared in real estate money-laundering deal with Russian investigated by Congress

Trump hires MarLargo foreign workers not America Great workers.
Trump shop from Canada run by Germans sell us Chinese hats et all. Buy US???

Dictator talk time:
“When the president does it, that means it is not illegal,” Richard Nixon
Trump blocks expert: Glacier National Park's glaciers will largely disappear by 2030.
House to cut OMB so we don’t know what a law will cost in future: NO INFO.
Trump attacks individual reps for not voting his way—3rd world countries do this.
The Don controls the FBI via Wray. Dictators have their own police force usually.


“The president can’t have a conflict of interest.” The Don above the law?




*************
Regulators are the only protection against corporations since we can’t sue anymore

Discrimination against your neighbor can cost you taxes. Religious ‘freedom’ is excuse.
Wells Fargo gives away 50,000 wealthy customer data to broker/advisor. Blames others.
Beamers in on VW diesel fix? BMW denies ‘cartel’ of cheaters using software to fake it.
Bankrupt: Harry I. Brown Jr.; James D. Dickey; Jay D. Erickson; Renee Suzanne Floer; Nimish N. Patel; Katrinia L. Walters.

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own
GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.


*******************
Police want gun control.
When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?


SCAMS:
Fake Social Security call: Promising fix, they want SS#, DOB; change your direct deposit
Evil manipulated American symbol for our own political purpose—Shame mr president

Ignoramus Award:
"Let's meet face to face and you tell me I'm not worthy," Kristin Beck, a 20-year veteran of the Navy SEALs, told Business Insider. "Transgender doesn't matter. Do your service." Trump avoided his service to country.
"They don't care about people. They don't care about human beings." "They care more about the airplane or the tank than they care about people," Beck said. 
I thought we NEVER abandoned our own in the field.

Who else doesn’t The Don like? Ugly men, ugly women, brown/black skin, bald men.

How our government wastes our money:
$28 million for Afghan’s uniforms that make troops look like trees in desert: our Defense 
$15 million de-enlist the folks that The Don does not like. Which generals did he consult?
$84 million on Viagra and other dysfunction therapy.

Where have all the jobs gone?


Job interview will ask for your salary requirements. Answer: I will research the range.
Which job board sites are best for your job search?

Learn Spanish so you have another skill for jobs.


Miracle:

IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alerts 

Friday, July 21, 2017

Winning in an unfair market

MONEY BALL for Investing: Winning in an unfair market
Your family beats Wall Street in the series because you use Billy Beane’s lessons.
In 2002, Billy Beane did the impossible. He knew he could not afford to buy replacements for Damon, Giambi and Isringhousen, so he hired an unknown economist wonk who had a system. Brad Pitt (Moneyball) explains his take on the system to his scouts. To win we need runs, so on-base percentage is critical. Does not matter how they get there—walks are good. He hires cheap players who have high on-base ratios. Scouts complain the new are not “baseball material” or too old or can't play positions or girl friend is ugly.
            The “professionals” think he is nuts. One is fired. Since the manager, Art Howe, doesn't buy it, he does not use the new players. Billy trades Art's players away so the manager is forced to use Billy's. Billy actually explains to the team how they can win by using their strengths—just get on base. Belichick's “Do your job.”
            In his book, Michael Lewis tells us how the economics of baseball work and how Billy Beane, as a failed player, made history by NOT following the professionals' 'expert' knowledge.
            How can your family beat Wall Street 'professionals' over time? We take the Billy Beane approach.
            First, we acknowledge that we have a small budget for investing. We can't afford the hedge funds, offshore tax shelters, and expensive Wall Street money managers taking 2-3% a year. We use our economic ‘wonk,’ Warren Buffett.



GOP House claims to be conservative but gives Defense a slush fund
GOP votes to raise what we owe in national debt even more than Trump asked for so Pentagon can waste more. Amendments prevent a new round of base closures (votes), establishes a new bureau for military in space (plus NASA), limits an arms treaty with Russia, requires congressional notification of cyberoperations and prevents recognition of Russian sovereignty over Crimea. Bases stay open to keep votes for GOP that overspend. Same group wants to cut $800 Billion for health care for the poor. Poor don’t live in the GOP districts, as the GOP drew them recently. Gerrymandered into vote ghettos

Do you know what you are paying your advisor?
Most of us have no idea how much we pay even when our advisor gain/loses our money. Schwab provided this telling optic: https://www.ispot.tv/ad/AwfU/charles-schwab-father-and-son
There are so many costs that it is no wonder that Wall Street has been so successful in hiding ALL their costs that we pay:
Redemption Fee
Why is it important? Because over time, we lose more and more. Example: $10,000 investment in Vanguard Energy vs Fidelity Energy—over $2,000 more profit.
Profit/Loss
$5,760.22
$3,725.74
Plus, this list does not include taxes which funds report in December even if you bought your shares late and had no gains. It does not include your advisor’s annual account fees and charges, typically 1% a year. The average ‘managed’ account earns just 3.79% while the unmanaged low-cost index fund earns 11% OVER time. Your advisor may have taken outsized profits last year as MorganChase did. Your costs=their profit.

BEWARE: GOP will allow cuts to our Social Security and Medicare in 10 years
The Social Security and Medicare trustees issued their 2017 annual report. “Both Social Security and Medicare face long-term financing shortfalls under currently scheduled benefits and financing. The Trustees recommend that lawmakers take action sooner rather than later to address these shortfalls.” Insolvency is on track for 2028 for the disability fund and 2034 for seniors. Insolvent, however, does not mean empty; it means that the funds would not be able to completely fulfill its debts to the public. Instead of funding the system, cuts in benefits will begin soon as GOP head Ryan has planned. GOP wants to increase the enrollment age. High income people still are exempt from full tax.


Are you the victim of Wall Street Sales Hype?
Many investors give up 30-63% of their total investment potential over time.
We are mislead about performance, fees and special product benefits we are promised. We fall for the tricks like “this strategy can’t miss” and “rare once-in-a-lifetime opportunity to become incredibly rich.” We believe that these securities can make us rich. FACTS: The average investor earns only 3.79% over time. We believe in all types of sales hype. Our advisor convinces us that the research they do will assure us of enough for our kid’s college and guaranteed retirement income “we cannot outlive.” Even the wealthy are tricked by the “sophisticated” traders and hedge funds. Buffett says they don’t listen to him because they think they are smarter or have an inside track. It is time to hear the other side of the story—from one who helped produce your advisor’s favorite marketing tricks and hype. Wall Street has us chasing fewer good deals because more investors are finding the alternative that lets them keep more.
You don’t have to give up 63% to succeed: https://www.amazon.com/Sales-Hype/ dp/1548534382

New TrumpCare with Cruz junk insurance change
Most GOP governors, medical providers and the insurance industry see the new problems with TrumpCare. "We think it is unworkable," said BlueCross BlueShield. She predicted skyrocketing costs for taxpayers also, stuck with the bill for sicker patients. It gives higher tax deductions to upper incomes but employers may see it as an invitation to drop health benefits. It gives states more money to shore up private insurance, not Medicaid. Medicaid subsidies will be phased out and so the poor, sick and elderly will die prematurely. Insurers will offer junk insurance again (“all they have to do is dust off how they did business before ObamaCare”) so many with a ‘policy’ will find it is void with one-day hospital visit. American Medical Association is not happy with the opioid grant. People in “drug rehab need comprehensive health insurance.” NV gov Sandoval: "You think about the 210,000 men, women and children, senior citizens, the drug addicted, the chronically ill," Sandoval said. "These are people that used to get their treatment in emergency rooms, if they got any treatment at all. I keep going back to the fact that they are living a better quality of life." Most states have “single-payor” system now—one insurer can raise prices like EpiPen. Thanks to ObamaCare, Sen McCain’s surgery is paid for by us. Congress get surgery before ObamaCare repealed! Whatever happened to Trump promise to make health care better for everyone? PLUS Congress is exempt from their law. 74% Americans want fix with DEMs.
TrumpCare destroys America’s promise to aid the poor, sick and elderly: https://www.amazon.com/Your-Retirement-Income-Checklist-TrumpWorld/dp/1544703260

Ultra wealthy grow assets; are you?
The number of people worth $30 million or more is growing according to the World Ultra Wealth Report 2017. It reveals there are 226,450 individuals worth $30 million or more around the world. That signifies a rise of 3.5 percent from 2015 levels and represents $27 trillion in assets. Average American incomes are rising at a much lower rate; widening the gap between the rich and poor. Innovation coming from immigration and foreign students was curtailed, causing more Americans to give up the dream of prosperity.
Most important issue: what do you do with your 401k or retirement accounts—your income for the future? Many people take the money and pay a big penalty and taxes. This stops your assets growing. It is TIME not stock-picking that wins the wealth game. Rich people don’t work harder than you do. They use compounding like Buffett and so can you. You could have $250,000 or more by leaving your money alone. Best answer: let an IRA trustee roll it over into a low-cost IRA account so there is no penalty or tax. More important you let your money accumulate tax-FREE and low fees at Vanguard, TIAA.

What can you do if the market crashes?
To grow your investments you must think like a business person and use Best Practices: Compound high earnings. When the market is going up, many writers earn their living voicing fears. But before you decide to “sell all before the crash,” remember that there is no place to hide. Every market goes down and up. Business will continue. Look at the record: enter IVV at https://www.google.com/finance?q=NYSEARCA:IVV and click “all” at Zoom in the chart. Since 2000 there have been 2 serious corrections, but your overall gain is 77% as of July. Now, I ask you, where are you going to get that gain? If you sold out in 2002 or 2008, you would have missed the sharp rebounds. If you went to bonds (BND), you would have 9% since 2000. “The stock market is a device for transferring money from the impatient to the patient." Warren Buffett


Need cash? Is a home equity line right for you?
Consider credit union as your source for money when you are temporarily strapped. “You get more back than you would belonging to a bank,” an observer says. “You get better loans, you get better products and overall, we like to think better service.” Banks don’t need your loan and but credit unions do because they serve the public. If Fed rates go up as expected, you will be happy you have your rate even if you don’t need the money now. Some do not require union membership to qualify. http://mapping.ncua.gov/


Do you need a reliable car?
Consumer Reports has its list of 10 but what if you can’t afford them? Many wealthy people who can afford $80,000 for a new model every year, say they prefer to buy the slightly used versions. Cars lose value over time and the rich don’t like to lose. Used luxury is a value to them. Reliable used cars are a value because they want assets that grow in value not lose value. So try used luxury or just used family transportation like the Camry or Accord. I found a bargain: 2012 Camry for $11,000 only 54,000 miles. What about a SUV under $25K? OR 2014 Acura $24K? Dangerous SUV to avoid.


*****************
TrumpWorld
Goal: Everyone knows the Trump brand around the world
Trump supporter is upset with DC and future; overlooks his sins


Putin has captured Trump’s patriotism—Don sees no collusion with enemy
Trump gives in to Putin: removes CIA from Syria leaving moderates to scatter.
Trump group places mob ties above country; it’s about money and power not US service.
Russian lobbyists guide Trump crew and GOP on business interests toward Russia.
Exxon Tillerson pays $2 mil fine for violating sanctions out of his own pocket change.


Trump is still just a mafia contractor from Queens—Fred taught him to be The Don.
Trump tells Senate to end ObamaCare—Double uninsured Americans overnight


Russian spy who met Jr and Putin lawyer says: never use email to convey secrets. Jr deaf.
Even Fox calls TrumpWorld on lies. Why would Putin insider come to NY for nothing?

TIME cover that should replace the fake ones in The Don’s clubs worldwide.
Mobsters don’t call the FBI when doing an illegal deal with fellow mobsters.


Vatican calls Bannon out on his extremism--“not too far apart” from Islamist extremism


Putin’s hackers now into our nuclear and utilities. Trump denies NSA proof.
Putin will have full access to our 2018 elections since Trump doesn’t want DEM win.
15 state voting machines have been hacked already: Putin ready. GOP does nothing.


Trump now for the Iran nuclear deal he promised to kill.

Theory: Trump got Russian funding for business so OK to help ‘lost cause’ campaign.
No one expected him to win so no harm getting Putin help. Don owes Vlad money!

TrumpWorld – using presidency to make money the old fashioned way: theft
Jr meeting of Putin lawyer includes Putin real estate ‘banker’ w/ NJ front IBC.
Ivanka using her Dad’s brand to sell you foreign goods at 89% markup.


Dictator talk time:
“When the president does it, that means it is not illegal,” Richard Nixon
Trump asked advisers: power to pardon family, even himself 
“The president can’t have a conflict of interest.” The Don above the law?

“When the president does it, that means it is not illegal,” Richard Nixon



*************
Regulators are the only protection against corporations since we can’t sue anymore

Congress uses ObamaCare: Start your ACA applications now if you need insurance.

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own
GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.


*******************
Police want gun control.
When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

Woman shot dead by cops after she called 911 for help about attack. Cameras off ?
Congress gives itself FREE home security system; maybe carry guns in Congress.
Cops plant evidence but caught this time; Camera on—oops “happens all the time”

SCAMS:
Traitor Flynn wants us to pay for lawyers and defense against FBI. Ask Turkey Putin!
Traitor Page wants you to buy his “tell all” book working for Putin and Trump.

Ignoramus Award:
Global warming is real: 1942 hikers found in melting glacier – thawing out now!

Japan to dump radioactive waste in ocean—no more fish for some years. 

How our government wastes our money:
Trump publishes private info of the citizens who complained about voter-fraud fraud

Where have all the jobs gone?
Job interview will ask for your salary requirements. Answer: I will research the range.
Which job board sites are best for your job search?

Learn Spanish so you have another skill for jobs.


Miracle:
FDA: OK to use altered genes to cure cancer! Technology to reprogram immune cells called T cells to target and attack malignancies.


IAN
41 Watchung Plaza, B242
MontclairNJ 07042
973.746.2014
Alerts