We pay about 33% total taxes; wealthy pay less than 17%

New ways the wealthy avoid taxes that we have to pay for

Trump’s new tax limits the amount that property owners in high property tax states can deduct. The limit on SALT (state and local taxes) is $10,000. Trump allowed this because all his properties are owned by his companies which are not limited in right offs. Average homeowners in NJ for instance pay about $18,000 in property and 9% income tax or about $8,000. NJ Gov Christie ordered all counties to accept prepaid taxes last year so at least the first year tax was deductible. Wealth people’s lawyers are looking for permanent relief from this limit. One is to put residences into a limited liability company. Then they transfer interests in the LLC to five to ten separate trusts set up in Alaska, with each taking the maximum $10,000 deduction. They can then preserve the write-off for $50,000-$100,000 in property taxes they pay each year on all their homes. It costs a few dollars to maintain this legal loophole but it’s worth it. NJ govt is testing the use of county non-profit charities to receive the property taxes of its homeowners.

Avoid paying wealthy people’s taxes: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

SCAMS: Beware illegal trading in elderly or estate accounts

Ami Forte, formerly Morgan Stanley, Tampa and her manager Terry McCoy were involved in an award for $34 million to the estate of the founder of the Home Shopping Network. They were liable for unauthorized trading, breach of fiduciary duty/constructive fraud, negligence, negligent supervision and unjust enrichment. Even if the estates or senior’s accounts in your family are not huge, make sure you confirm what the advisor is doing. Just because this brokerage is famous does not necessary mean everyone there is giving your relative the best deal for your family. Meeting with the local manager and obtaining trading justifications in writing are going to make the firm think twice about ‘churning’ the account. The only reason to trade in this type of account is to produce income for the advisor and firm. High broker production is the way to become a wealthy and famous advisor so that more wealthy people will hire them. As with so many brokers caught violating the rules, Forte has moved on to the Pinnacle, a new firm so she can do it again. Perhaps your family account would be better off at a firm with brokers on salary, like Vanguard or TIAA or with a fee-only planner https://www.napfa.org/

Check all transactions: https://www.amazon.com/Pimps-Wall-Street-money-middlemen/dp/151525254X

Do you have a dispute with your broker?

You signed an account form that requires you to use arbitration not law suit if you want your money back for a bad act. You must file at FINRA, the self-regulating brokers’ organization. http://www.finra.org/investors/dispute-resolution Market volatility has increased the number of filings by 47%. Cases related to Puerto Rico bond fraud and requests by brokers to have their Finra records expunged may also be contributing to the increase, according to FINRA. Attorney Adam Gana, who defends investors in Finra proceedings, said he's seeing this trend in his practice, where there has been an uptick in cases involving theft and "selling away"—instances where brokers sell products not approved by their firms that turn out to be part of a fraud or Ponzi scheme.

Use the pain-FREE ‘advisor’: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Are you getting all your Medicare benefits?

53% of older adults don’t know that Medicare Part B “doctor visits, etc costs $134 a month, according to a survey of adults over age 50. Social Security deducts this amount as well as Part D drugs if chosen. Many adults believe that it covers long-term care. Medicare covers nursing home care only for rehabilitation and other limited circumstances. Medicaid covers LTC for those with few financial resources. We can’t qualify by giving away assets within 5 years of our need for LTC. Learn more about Medicare in the government’s official handbook. The Medicare office is also on YouTube. With the GOP gunning for cuts in the benefits we have paid for all our lives, it is smart to learn and plan ahead. Trump tax cuts will be paid for by us not wealthy.

https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle/dp/1466394285

GOP religionists reversing America’s tolerance for personal choice

Scalia stand-in Gorsuch has begun to move America back to the 50s when protestant white men decided everyone else’s choices. Trump party Supremes kill CA law requiring communication: Notices of CA women’s options removed from clinic was deemed violation of free speech rights of pro-lifers. In fact, women are lied to in these religionist’s clinics: ‘abortion leads to breast cancer.’ Trump’s Supremes have a religious bias. They said a baker who is selling cakes in the open market can discriminate against people he does not like. Using religion and one group’s 1^st amendment rights can justify discrimination of anyone. GOP engineered Gorsuch into a Supreme seat by denying Obama’s candidate a hearing. The Trump party has filled the lower courts with those who wish to exclude people by skin color or religion or wealth. As ‘The Leader’ has stated, the Trump party only wants people from Norway. Now the Trump party has their wish: their Supremes ban people from poor Muslim countries. They did not ban Muslims from the country that carried out the 9/11 Saudi bin Laden attack. ‘The Leader’ does not want ‘due process’—a hallmark of America. He wanted to keep the children of asylum seekers in cages until their hearings. He feels he is above the law himself and his edicts should be the law. The Path to Dictatorship is repeated.

Religion and race ideology got other ‘Leaders’ in trouble before.

Are you using the most powerful force in your investing strategy?

Warren Buffett says ‘compounding’ over time is the real creator of wealth. Not many investment gurus agree because they only make money by doing the opposite: trading. But no guru has matched Buffett’s 19% gain per year for 50 years. Invest $3,000 a year—$250 a month—and over time it grows like this: $55,000 in 10 years; $218,000 in 20 years; $707,000 in 30 years; 1,111,000 in 34 years; $2.2 million in 40 years. You paid about $100,000 for your $1 million and $120,000 for your $2.2 million. You have time.

Use time not advisor’s fees: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

Annuity sellers given green light to steer us to high-cost products

State insurance regulators just voted down a ban on sales contests and travel awards for agents. Now they can push the high-cost products that earn them a trip to Bahamas or Fiji. Sales contests can create aggressive sales tactics that don’t advance a consumer-centered best interest standard. The NAIC group also failed to pass a cost-benefit disclosure for customers. This means we will not be able compare these complex products with other offers. We will have to pay an unbiased law specialist to do the cost-benefit analysis for us. Annuities are contracts that contain complicated clauses that limit our gains and protect the insurance firms. They are designed so the insurer always makes a profit no matter what the market and interest rates do. Unless interest rates are high or the market is going up steadily, an annuity has costs that exceed the benefits for customers. The regulators rely on the insurers for income so they agreed to insurers wishes. Beware strong sales tactics—promised guarantees and benefits need checking.

https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019

****************

Make America, “The Don” Great Again

The Path to Dictatorship

Will Supremes make America a dictatorship? Trump’s new appointee is Trump GOP

“I have the absolute right to PARDON myself …”

“I could shoot someone on 5^th Ave and not lose voters.”

Only a criminal looks to a pardon for a defense

 “I have absolute right to do what I want with the Justice Department”

Trump’s Gestapo ICE troops break into house in front of kids

Immigrants not human, but "animals" Hitler/Stalin agree.

Trump takes children away from the “animals”

TX deputy sexually assaults immigrant girl taken from Mom

3 year old children face deportation court alone: America’s crime?

‘I’m the only one that matters’ Mob Boss Don, Nov 3, 2017

Loyalty to The Don above country. Treason? Above the Law?

Constitution: no clause for ‘absolute right’ to pardon

Trump: I can’t obstruct justice since I run Justice Dept

“He speaks and people sit up at attention,” Trump said. “I want my people to do the same.” Bible has slavery verse too

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

So a President can never be mistaken?

Trump to put child refugees in prison camps on military bases

Justify separation with Bible which also says ‘kill adulterer’ Trump

Trump to refuse to answer special prosecutor’s questions: Above the law?

FBI finds answers in ‘The Don’s’ consigliore’s office/home/hotel

“I have nothing to do with his [Cohen] business”

[except when I pay him to pay off sex partners who could leak]

Trump thinks FBI subpoena on lawyer is “Attack on our country”

Trump thinks the govt is ‘conspiring against him.’

Trump received money-laundering funds from Russians

Trump to thank Putin for Presidency with meeting

Trump: I decide which crimes are minor fines; lets criminals go.

 (Dictators often have delusion they are being attacked by insiders)

Trump ignored intelligence community message ‘we are under attack.’

Trump gives Putin control of election: eliminates U.S. cyber advisor

Treason definition: ‘giving them aid and comfort within the United States’

Putin’s influence: Manafort, Flynn, Gates, Page, Stone, Papadopoulos, Sater, Zwaan  jailed, Kilimnik, Prince, Jr, Jared, Sessions, Cohen, Yohai, Freidman

Fake ‘Witch Hunt’ produced 5 guilty; 20 indictments, 75 charges.

Manafort put in jail for witness-tampering: Needs pardon bad!

Putin controls power utilities, 21 state voting files, Trump slush fund, networks

Russian SS has ‘pee’ tape of Trump

Trump lied about time making ‘pee’ tape. “My head never hit a pillow” he admits.

“The election is going to be rigged—I’m going to be ‘honest’” 

GOP voter suppression a success: Dems lost --GOP poll workers moved voters’ districts

Trump to end Free Press 1^st Amendment access since not positive to him

Trump can “adjourn them [Congress] to such Time as he shall think proper.” Art II, Sec 3

Can Trump postpone Nov 2018 election using excuse of Putin meddling needs fixing?

Elections compromised by Russia, big money, media, liars.

GOP controls 31 state houses

(Dictators in some countries start their régimes with postponement!)

(Dictators pack their supreme courts with supporters to avoid jail)

Two Americas: A Banana Republic?

4 of 5 Supremes say OK to seize our cell records showing friends, location, personal data.

 Trump wants to do away with due process and other laws dictators don’t like.

Trump makes 3 year olds defend themselves in court—How did America get like this?

Separating children of undesirables in camps was what we fought Nazis to end: inhuman

Trump separated kids 10/2016 as test: no records kept of parent link. Nazis had records.

Prison operators (GOP donors) stand to make $ millions from Trump’s separations

Trump refuses Mueller; so probe not complete—Supremes told Nixon he must give tapes

Will Supremes make America a dictatorship? Trump’s appointee is TrumpGOP McCain?

Supremes kill law requiring communication: options notice violates free speech rights??

Middle class shrinking: wages for ‘nonsupervisory’ jobs falling even in great market

After large tax cut, workers' share of corporate income less than in 1958

            Men are no longer in the workforce. 31% vs 14% in 1950 are not contributing.

            Number of products NOT made in America is growing: cheap labor, automation

            Europeans will NOT have to pay tariff on Harleys: Trump sends Europe our jobs

           

Supremes help destroy unions—freedom to cut wages, benefits, bargain, membership

Trump lawyer: Russia probe crimes ‘cleaned up with pardons’: criminals he knows!

Pre-Roe, abortion was illegal in 30 states even raped: Banana Republics outlaw it.

************************

How Govt wastes our money: Congress spends $1.3 Trillion we don’t have!

Mrs Trump spent $200,000 of our taxes to say “I really don’t care” to refugees in TX.

20 states will end coverage for pre-existing conditions: Premiums to double

IRS paid $ millions for debt collectors for NOT collecting past due taxes.

US spending $686 billions on NATO: army can’t even get to the borders in time.

Trump’s head of weather bureau wants to eliminate ‘climate’ from mission: add economy

Trump’s taxes hits churches with 21% tax on employee benefits.

GOP gives $428 Billion to agribusiness bec/ profits down: “prices low”: cut food stamps

SCAMS/SPINS:

When you swear your tax return true and it isn’t, you’re jailed—Not The Don; he winks

Trump’s mobster uses his tax-FREE foundation to take bribe from big oil and gas firm.

Trump claims few Americans live in poverty: UN says 40 million; 42 mil on food stamps

Trump’s mobster accused of child abuse by his own church: Bible justifies separation!

N Korea already expanding weapons-grade fissile material: Trump made bad deal

MD cut 80,000 voters from registration so not counted: suppression of DEMs again.

TX GOP gerrymandering upheld by Supremes DEMs vote limited to own districts

NC GOP gerrymandering stands by Supremes DEMs limited to own districts

WellsFargo caught improperly selling high-fee products: fine but no jail time

MetLife caught misleading about pensions it owes to those it marked as dead

Darayl Davis, Chicago, caught in Ponzi: promised safe 6% return in insurer.

Trump tariff on foreign-made parts cost Americans extra $5,800 per car

House Tea Party threatens own members with loss if vote for immigration bill

Trump allows endangered red wolves to be killed if step over refuge boundary.

Jobs:

Bonus to work there: First job earnings give us leg up and pay off student loans

63,000 $50K truck driving positions: they even pay to get training and license

McKinsey research says millions looking for work by 2030: technology took their jobs.

Trump tariffs mean more jobs lost not gained: election will show fewer get jobs from cuts

Trump’s tariffs creating more jobs overseas to keep global sales going: Don not so smart

Trump’s tariffs cut coal exports from Obama years—big layoffs in Trump country

EPA seeking oil gas execs to cut regs so their firms can pollute: fox protects henhouse

Fox prez (helping Roger Ailes have fun at work) gets hired to work TrumpTV inside WH

Trump-resort investor gets to run Trump IRS – Trump tax returns will be toast: Mueller?

GOP fills Supremes to help Trump avoid Mueller subpoena/indictment—one guy rules

Who owns your account now?

Signator Financial to Royal Alliance

Check your Medicare account address—new cards are mailed to the address they have.

Smartcars are killing people with distractions, false safety, new gadgets

Pillpack to Amazon—Bezos wants to cut out middleman in drug business

Can we trust Ari Melber to explain the legal case against POTUS? Steele?

Miracle:

Indiana teacher Jason Seaman with 3 bullet holes stops shooter from harming his class

Teen helps blind deaf man communicate on airliner

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Wealthy hide their assets in tax-FREE foundations

New ways the wealthy avoid taxes that we have to pay for them

The Trump tax breaks did not reduce the amount the well off can deduct from their taxes. The rich get richer. We have to make up the loss of govt revenue since the rich use the courts, police, military, roads, airports, etc. They can deduct the amount they give their own charitable foundation and have the foundation buy the things they like to have. If they like old cars, old bicycles, old antiques, art of any type, they have their foundation charge it. They can control when they let others see their stuff too. There are a growing number of private tax-exempt exhibition spaces that use this model. As the founder, they can deduct the full market value of any art, cash and stocks they ‘donate,’ even when the museums are just a quick stroll from their living room. “I think these types of deals do not follow the intent, even if they follow the letter, of the law,” said Rebecca Wilkins, senior counsel on federal tax policy at the Institute on Taxation and Economic Policy. Robert Storr, dean of the Yale School of Art, worries that some collectors are exploiting a legal loophole without fulfilling a broader mission of education or research. It is unlikely that the IRS will get tough since its boss uses his foundation in this manner—his foundation buys his own portraits to put in his own businesses. Private foundations may be the biggest scams ever. US is home to many tax havens like this.

Avoid paying wealthy people’s taxes: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

Why do we pay tax on Social Security Benefits?

Taxpayers who receive income besides SS benefits may have noticed that they must add some of their income from SS to their taxable income on line 20b of Form1040 or 14b of Form 1040a. For those working and receiving benefits, up to 85% of the benefits may be taxable income. Why do we pay tax on our benefits since we paid for the benefits (FICA tax) all our working lives? This is the progressive income tax. Those who have more income in retirement pay tax on more of their SS benefits. If we wish to reduce the tax on our income we have to reduce our taxable income. We can do this starting before or after retirement by funding a tax-FREE trust account at any financial institution. We can also convert IRA money to this account at the firm where we have our IRAs. We can convert any part of our IRAs as well as contribute if we are still working. So whether working or retired, we can make our long-term savings and investments into income that we no longer pay tax on. Tax-FREE income means we lower the amount of taxable SS benefits. When we must begin withdrawing our pension, 401k and IRA money, converting it to tax-FREE income is one of the ways we can use our withdrawals after age 70 (RMD) if we don’t need it for expenses.

Check 17 ways to use your RMD: https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

Are you subject to quarterly estimated income tax payments?

If you are both retired and receive RMD, pension, SS benefits, part-time work earnings, or any other income, you may have to pay what you may owe the IRS each quarter during the year. For example, your required RMD is $12,000, your pension, SS benefits and $15,000 non-employee job have no federal and state income taxes withheld for the IRS. You must either have one or more of them withhold tax or you have to send in the money with Form 1040-ES. The IRS likes the payments in 4 equal measures. If you receive your income all in one period—RMD, pension and part time pay all come in December, you will need to ask for the waiver of penalty on Form 2210 with Schedule AI on your return. The most common solution is to have one of the payers withhold and send it each month or quarter.

Plan your retirement spending wisely: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

SCAMS: Beware illegal unregistered securities scheme

Brokerage firm LPL was caught selling illegal unregistered securities and not supervising brokers for years. The Securities Act of 1933 requires that investors receive valid information about the securities they are sold and that sellers don’t mislead investors about them. This is accomplished by the registration of all but govt securities sold by the firm. Various tricks are used to offer these investments for sale. The firm may have registered a version of the security but not the one you buy. Remember the 2007-8 mortgage backed security scandal in which the packages of MBS were put together with little information about the sub-prime loans inside them. Or consider the Master Limited Partnerships units being sold by many firms. It is not always clear what is being sold: tax benefits, timeframe and rights of the limited partners are obscure. Statements can be altered to make securities look legit. Don’t accept vague promises or values.

Lesson: don’t assume your broker is offering you a legal deal if 1) the deal is great—above the market returns; 2) the firm or broker has a record on BrokerCheck; or 3) you don’t verify your money went to place your broker claims. In this case, you can confirm the registration at https://www.sec.gov/edgar.shtml. Unfortunately, the industry has little oversight of the supervision of their brokers. Investors must file for arbitration when they suspect they are mislead or defrauded. The firm’s culture is all about making money--caveat emptor and white collar crime is NOT a priority for Sessions and Trump.

Check all transactions: https://www.amazon.com/Pimps-Wall-Street-money-middlemen/dp/151525254X

Your broker wants commissions upped with the ‘Fiduciary Rule’ dead

Merrill announced it may bring back commissions to gouge out seniors’ retirement money with complicated annuities and other ‘packaged’ products. The reason Obama instituted the fiduciary rule for salespeople was that unwary customers were being cheated out of $17 billions. The products are complicated for a reason—to protect the brokerage firms and the manufacturers. The regulators have more complaints about annuities than almost any other product. The Rule is grounded in the procedures used by trust companies as they administer trusts: do what is best for the customer NOT for the seller. Thus we had a better chance of learning the downside to products and the sellers’ conflicts of interest. The most recent violations: FifthThird was caught ‘twisting’-- exchanging an annuity they already had commission from for a new one with new commissions. They claimed the new one had benefits it did not have. A small fine with ‘no admission of guilt’ means they can commit fraud “misstatement” “mislead” again and no one goes to jail. Simple is best.

Use the best products for YOU: https://www.amazon.com/Fiduciary-Rule-BEST-dont-anymore/dp/1530980275

New study shows our losses from trading, fees, taxes vs index fund

After 25 years of study, Research Affiliates has found that taxes are still the largest drag on investment returns. Arnott’s research found that the tax and fee burdens of active and factor funds destroys their ability to beat their benchmarks. Cost matters. In the period from Jan. 1, 2008, to Dec. 31, 2017, active funds outperformed their benchmarks by an average of 0.7 percent gross of fees, but lost ground to underperform by 0.4 percent net of fees, underperform by 1.5 percent after internal taxes before liquidation, and underperform by 1.9 percent after capital gains taxes post-liquidation. The internal tax expenses caused by the turnover of active mutual funds still weighs on investor portfolios. Smart beta funds, on the other hand, outperformed their indexes from 2008 to 2017 by an average of 1.2 percent gross of fees and 0.6 percent net of fees, but underperformed by 0.1 percent after taxes pre-liquidation, and by 1 percent after taxes post-liquidation. Pay less; keep more.

Simple is best: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Buffett credits ‘compounding’ for his huge successes

Buffett’s company, really a mutual fund, has returned 19% a year earnings because his assets compound earnings year after year with little trading. His firm has owned stock in Coke, American Express, Bank America, Wells Fargo, and others for a long time. Some are worth 20 times what he paid for them. His firm owns GEICO, KraftHeinz, BNSF and others. Compounding is the name of how business grows when you plough profits back into the business. Coke is now sold in almost every village in the world. Patience is hard to come by these days but it can answer our investment questions. Millionaires increased their wealth by over 10% in 2017 from an improving global economy and strong stock market performance. It was patience not working 10% more hours. 

Make Warren Buffett your advisor: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

Unhappy with your auto insurance?
Maybe you are not alone. JD Power asked customers how they felt. Certain states have preferences for sure. Progressive has saturated the TV with cute commercials but their ratings are average. Most regions have a local favorite, beating the national brands. California: Ameriprise
Central: Shelter
Florida: MetLife
Mid-Atlantic: Erie Insurance
New England: Amica Mutual
New York: New York Central Mutual
North Central: Auto-Owners Insurance
Northwest: PEMCO Insurance
Southeast: Farm Bureau Insurance—Tennessee
Southwest: CSAA Insurance Group
Texas: Texas Farm Bureau

If you are shopping for lowest cost, remember to ask for the discounts that fit your situation. Sometimes ‘bundling’ auto and home is MORE expensive. Bundle umbrella liability with auto cover to save. Shopping for auto cover every 2-4 years makes sense because your needs and the insurers’ needs change. However, in old neighborhoods, home insurers reward longevity—no claims for years.

Check each discount: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Get your grandchild started

The combined wealth of millionaires worldwide topped $70 trillion for the first time in 2017, according to Capgemini’s World Wealth Report 2018. The report attributed the rise in wealth (an increase of 10.6 percent over 2016) to an improving global economy and strong stock market performance. The number of millionaires also grew 10 percent, up 1.6 million to 18.1 million. The United States continues to be home to the most millionaires, with 5.4 million, up 10 percent from 2016. That’s followed by Japan, Germany and China. Those top four markets account for 61 percent of the world’s high-net-worth individuals, USA Today reports.

https://www.amazon.com/Give-your-Grandchild-1000000-Lifetime/dp/1456433105

****************

Make America, “The Don” Great Again

The Path to Dictatorship

“I have the absolute right to PARDON myself …”

“I could shoot someone on 5^th Ave and not lose voters.”

Only a criminal looks to a pardon for a defense

 “I have absolute right to do what I want with the Justice Department”

Trump’s Gestapo ICE troops break into house in front of kids

Immigrants not human, but "animals" Hitler/Stalin agree.

Trump takes children away from the “animals”

TX deputy sexually assaults immigrant girl taken from Mom

‘I’m the only one that matters’ Mob Boss Don, Nov 3, 2017

Loyalty to The Don above country. Treason? Above the Law?

Constitution: no clause for ‘absolute right’ to pardon

Trump: I can’t obstruct justice since I run justice

“He speaks and people sit up at attention,” Trump said. “I want my people to do the same.” Bible has slavery verse too

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

So a President can never be mistaken?

Trump to put child refugees in prison camps on military bases

Justify separation with Bible which also says ‘kill adulterer’ Trump

Trump to refuse to answer special prosecutor’s questions: Above the law?

FBI finds answers in ‘The Don’s’ consigliore’s office/home/hotel

“I have nothing to do with his [Cohen] business”

[except when I pay him to pay off sex partners who could leak]

Trump thinks FBI subpoena on lawyer is “Attack on our country”

Trump thinks the govt is ‘conspiring against him.’

Trump received money-laundering funds from Russians

Trump: I decide which crimes are minor fines; lets criminals go.

 (Dictators often have delusion they are being attacked by insiders)

Trump ignored intelligence community message ‘we are under attack.’

Trump gives Putin control of election: eliminates U.S. cyber advisor

Treason definition: ‘giving them aid and comfort within the United States’

Putin’s influence: Manafort, Flynn, Gates, Page, Stone, Papadopoulos, Sater, Zwaan  jailed, Kilimnik, Prince, Jr, Jared, Sessions, Cohen, Yohai, Freidman

Fake ‘Witch Hunt’ produced 5 guilty; 20 indictments, 75 charges.

Manafort put in jail for witness-tampering: Needs pardon bad!

Putin controls power utilities, 21 state voting files, Trump slush fund, networks

Russian SS has ‘pee’ tape of Trump

Trump lied about time making ‘pee’ tape. “My head never hit a pillow” he admits.

“The election is going to be rigged—I’m going to be ‘honest’” 

GOP voter suppression a success: Dems lost --GOP poll workers moved voters’ districts

Trump to end Free Press 1^st Amendment access since not positive to him

Trump can “adjourn them [Congress] to such Time as he shall think proper.” Art II, Sec 3

Can Trump postpone Nov 2018 election using excuse of Putin meddling needs fixing?

Elections compromised by Russia, big money, media, liars.

GOP controls 31 state houses

(Dictators in some countries start their régimes that way!)

Two Americas: Banana Republic?

4 of 5 Supremes say OK to seize our cell records showing friends, location, personal data.

Trump refuses Mueller so probe not complete—Supremes told Nixon he must give tapes

Will Supremes make America a dictatorship? Trump’s appointee Gorsuch is GOP

Separating children of undesirables in camps was what we fought Nazis to end: inhuman

Middle class shrinking: wages for ‘nonsupervisory’ jobs falling even in great market

After large tax cut, workers' share of corporate income less than in 1958

            Men are no longer in the workforce. 31% vs 14% in 1950 are not contributing.

            Number of products NOT made in America is growing: cheap labor, automation

           

Trump lawyer: Russia probe crimes ‘cleaned up with pardons’: criminals he knows!

************************

How Govt wastes our money: Congress spends $1.3 Trillion we don’t have!

Children in prison camps so Trump can get Dems to pay for his WALL: inhuman

Supremes allow GOP to gerrymander our votes so GOP rule

Trump could end opioid pandemic by closing drug makers and middlemen: orphans grow

Trump’s mob infighting: Cohen wants Trump to pay his legal fees—RNC out of money?

Mel goes to TX refugee prison to try to clean up her husband’s mess: good PR

SCAMS/SPINS:

Trump’s man’s TV weather service tries to stop us from obtaining free weather from govt

Trump TV says children in cages are not cages but “walls built from chain-link fences”

Ami Forte Morgan Stanley caught ‘churning’ elderly client account: $34 million award

BankAmerica caught changing our confirms, hide secret trading, prices above markett

JPMorganChase caught trying to fix interest rate derivative index: $65 million but no jail.

Terry Lee McCoy Morgan Stanley caught ‘churning’ elderly client $9 million in fees

Ronald Fossum, Snohomish WA caught stealing client funds with unregistered securities.

Richard Belott Chatham caught stealing client funds with unregistered promissory notes.

First Nationle Solution, United RL Capital Percipience Global caught: lied ‘guaranteed returns’

Audi leader arrested in VW emission test cheating scandal

Trump mob makes money on US decisions before we can—insider trading par excellence

Waiver from tariffs process allows mass cheating by Trump’s mob/friends/lobbyists

Where American stuff is really made: Sam Adams beer: old Schaefer plant, PA

Jobs:

Minimum wage is officially below the federal poverty bracket

Trump: "space is a war-fighting domain, just like the land, air, and sea." Enlist today!

Playing video games half a day is now a mental illness not an after school job.

ICE arrest more workers doing jobs Americans won’t take—business bankrupt

Top firms hire top health officer to run co-op for employee health: SinglePayor model?

TX deputy refuses to help herd prisoners like in Gitmo: “I think it’s wrong” ‘unGodly’

Who owns your account now?

TimeWarner to ATT & FoxEnt to Disney may leave us with little choice & higher costs

FREE money: Find your old 401k account with help-- pbgc.gov/ or pensionhelp.org/

Get robo call from your own mobile? Or ‘neighbor’ you never called? They steal any #.

Can we trust Ari Melber to explain the legal case against POTUS? Steele?

Miracle:

How can Dems lose election? GOP stands with separation of children into cages

Evangelicals back immoral acts of Trump: What would Jesus do?

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts