Friday, March 15, 2019

GOP 'socialism': tax money to chosen few


GOP ‘socialism’
Example: Agribiz ‘will not be able to lose money’ with these subsidies. As Trump tries to scare Americans about left-wing DEMs, Congress passed the vast subsidies to large farm corporations. This is the agriculture’s bill. America’s version of socialism includes ‘crop insurance’ which provides premium subsidies to insurance companies and guaranteed prices for crops. Corporate farmers can’t lose. They can add ‘first cousins, nephews, and nieces of farmers to receive up to $125,000 in annual farm subsidies even if they are not farmers themselves.’ Corporate farms owned by those earning more than $1.8 million can funnel subsidies through other ‘pretend’ farm associates and relatives. Already wealthy agribusiness is paid to “buy up land in order to keep it dormant.” 54% of all cropland is rented so ‘landlords’ are subsidized, just like in cities. Land prices are inflated. Subsidies favor certain crops—corn gets 46%—and so the government makes certain corporations winners. According to one Rep: “Under what we have put in the bill, you will not be able to lose money, unless you really try.” Research firms are subsidized—‘stones are commodities’? Most small farmers actually receive NO subsidy. 40% of subsidies go to top 4-7% farm conglomerates, just like in Russia. Subsidies go to the more ‘equal’!

Where can you earn 9-13%?
Don’t forget to add in your dividends. Ask your broker and advisor to calculate your returns the last 10 or 12 years (including the ‘Fed bailout of 2007-8). It is your money, not theirs. Most smart money managers have most of their money in a low-cost market fund because COSTS KILL returns. Compare facts to the myth of Wall Street ‘managed’ funds: Facts: Jan 1, 2006 to Dec 31, 2018 = 9.3%; 2007-2018 = 8.76%; 2008-2018 = 9.06%; 2009-2018 = 13.96% a year. Ask your advisor to show you ALL the costs and your actual NET earnings after tax each year:
Sales Loads (including Sales Charge (Load) on Purchases and Deferred Sales Charge (Load))
Redemption Fee
Exchange Fee
Account Fee
Purchase Fee (Although the fee table in Form N-1A does not specifically include "purchase fees," if a fund imposes one, it would be included in the fee table under this heading.
In the fee table, under the heading of "Annual Fund Operating Expenses," you will find:
Management Fees
Distribution [and/or Service] (12b-1) Fees
Other Expenses
Total Annual Fund Operating Expenses
Now explain again why John Bogle’s index fund is not the wise choice for most investors. And why Warren Buffett is right about hedge funds.

Is your Advisor/Broker really ‘Acting in your best interest’?
Advisors/Brokers mislead Americans about ‘acting in our best interest.’ Two years ago, 46% of investors incorrectly believed that their financial advisor would only make recommendations in their best interest. In 2019, that statistic has risen to 65%. Most of us don’t trust salespeople whether selling used cars or financials. However, when asked about their own experience, they have become a victim of a salesperson’s strategy. Presumably once we make a commitment by giving them money, we defend our decision. No one wants to admit they made a mistake. Yet the number of frauds and ‘death by a thousand cuts’ goes higher. A salesperson is under tremendous pressure now because there are many alternatives to reach financial goals at less cost with unbiased advice. Brokers hide the total costs because they can take over 63% of your total accumulations. Only RIAs are legally required to act in our best interest. Brokers have little accountability. Trump killed the Obama Fiduciary Rule for all firms and sellers.

Is home ownership worth it?
In today’s market, you need to ask hard questions and do your homework. Can you afford the price, ongoing costs, and responsibilities? There is really only one good reason to buy: you are able to put down roots in one place for the foreseeable future. We used to live in Manhattan—on E 7th Street. We loved it and the rent was reasonable because the area had not yet gone ‘developed.’ We walked to work and rented a car to go out of town. However, when we had a child, we realized we could not afford to raise a child there—financially. Plus after living our adult lives in a small pre-war apartment we were tired of the lack of space, grass, air, quiet, and other unmentionables. So we did what previous generations did—we saved like mad. No more vacations, wasted impulse buys, etc. We did not stop investing in our retirement funds. We did research on where and how to live. We settled on downtown Jersey City. We could get to work on trains. We could buy a beat up 1860 brownstone and rent 3 floors—using the rent to pay the mortgage. We had to take care of tenant problems but we saw no other way. We underestimated repairs and maintenance. We spent most weekends fixing things. We had to move for better schools.

Why is successful investing so hard yet so easy?
Warren Buffett gives his comments in an interview recently. Most of us are not up to analyzing or understanding everything he says but there are few takeaways that seem clear: Follow the big picture. We, including our brokers, are not equipped to judge individual companies. His advice: invest in America—S&P 500 gains have meant if you invested $1 in it over the last 77 years, it is now worth $5,000. You do nothing else. It is hard to pick the right stocks all the time. It is hard to believe that when the 500 largest stocks in America (S&P 500) go down they will go up. However, he keeps saying we must. He believes it so much he put in his Will: put 90% of my estate in an S&P 500 index fund and 10% in governments. He has invested during every period from Hoover on. He never owns more than 10% of a stock. Buffett has the money to invest in many companies. We are like Billy Beane—limited budget so we take Buffett’s advice and use the Warren stats: $1 became $5,000 over time in a low-cost S&P 500 index fund.

Can I pay my Federal tax bill over time?
Sure. Many have found that Trump gave everyone else a break except them. Now you and I have to pay for the corporate and wealthy tax cut. If you got caught with the property tax cap of $10,000 and other changes, you may owe. Those who got a refund last year may owe $4,000 or more. After all the average home in northern NJ is taxed at about $20,000. Many have had their traditional deductions cancelled. Your closing costs even for a reverse mortgage may be deducted. However, many other fees are not. Save on filing fees at https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free. If you owe, file by April 15 and pay what you can. Tell the IRS that you need a couple of months by filing online: https://www.irs.gov/payments/online-payment-agreement-application. Longer payment plan requires charges.

Is Long-term Care coverage right for you?
GE Genworth is raising the price of long-term care coverage. Sales were continuing to slow so GE is halting individual sales through brokers and going with Telesales only.  Few insurers remain in the market for traditional LTC insurance: GE Genworth, Massachusetts Mutual, Mutual of Omaha, New York Life and Northwestern Mutual.
The largest long-term-care insurers have stopped writing new business entirely, including Continental Casualty, John Hancock, MetLife and Unum Group. Some carriers sell hybrid policies—life insurance and LTC coverage together. These appeal to more buyers since their heirs receive a death benefit if the LTC coverage is not needed. More buyers have found some coverage through their employers’ group plans. LTC policies have many working parts so it is difficult to compare price and benefits.
  

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Make America, “The Don”, Great Again
Truth isn’t truth, his lawyer says

Two Americas: A Banana Republic? Do we really want an infant king? Daddy Putin!

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How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
Taxpayers give $4.5 welfare to create profit for Hudson developers: Socialism?
Trump Wall costs $25 million per mile!: $18 billion total, TX lose their land!

No WALL: Smart Port of NY seized largest drug shipment in Newark NOT TX!
Trump’s America: Tax money for war—less for human needs, no infrastructure.
GOP sells its soul to the devil: Reps turn back on American people!


SCAMS/SPINS:
DEMs could fix infrastructure (schools, bridges, roads) with GOP: spend wisely.

Jeb Bush caught accepting foreign money too. Does anyone follow the rules anymore?

BEWARE: When money managers pay us to buy their products—Look out later.

AZ boosts ‘junk’ health insurance: low price=low coverage for 3 years then what?

"Money Doctor" Dallas caught stealing $20 M from seniors: risk-free return ponzi. Nojail
Richard Cody, FL caught lying to clients about loss of nest eggs. Jail 2 years.
John G Schmidt, OH, caught stealing $1.3 M from elderly. Defrocked.

Fiat Chrysler recalls nearly 865,000 for pollution: owners paid for lower resale.
‘Lumber’ Liquidator’ caught lying formaldehyde-laced laminate floors: fine, no jail time.

Embezzlement insurance: your broker has to be in handcuffs to get paid. Most pay fine.


Trump declares himself winner of golf tournament he never even played in! Sick Sick Sick

Trump thinks “Airplanes are … too complex to fly”: Make America FEAR Again?
Software-driven cars may kill more people than Boeing. Programmers not omniscient.



Don: Hunchback of Notre Dame helps explain why immigrants are necessary to society.
Ivanka makes excuses for Daddy; husband trying to act with authority plays King fool.


Individual 1” could be a Russian “asset”: Why FBI opened a file on The Mob Boss.

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.
‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.
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Jobs:
More employers offer college savings plans: matching & payroll deduction.
Help neighbors, earn money: https://askumbrella.com/
Jobs never returned since Trump gave corporations our tax money


Who owns your account now?
News, straight from Associated Press wire service: https://apnews.com/
Don’t need credit card in Philly—law requires all stores take cash
Your ’15, ’16, ’17 tax refund awaits: $1.8B-- irs.gov/individuals/get-transcript



Miracle:
Cure from sickle cell anemia: stem cells were genetically modified to correct a DNA flaw





IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts

Friday, March 8, 2019

What is your tax refund worth?


How much is your tax refund worth if you invested it?
I know it is hard to save for retirement with all the calls on your paycheck. The only way to do it successfully is to use the most powerful investing tool—compounding. The average tax return was about $3,000. If we invest it in the fund Warren Buffett recommends, year after year, we can end up with $1,000,000 for retirement. That would produce about $60-70,000 a year in income. So each $3,000 that we invest each year is worth about $29,000 later on. (1000000/35 years) Your refund is money that you lend to the government interest free. You pay about $125 a pay period to the Fed via your employer. It is forced savings—a socialist idea started during WWII. Most people had a hard time saving for their annual tax bill. We still do. So they made us pay from the job.


Not too late to cut taxes and build retirement income
You may owe the IRS this year or receive a smaller refund. You can change that by increasing your deductions by $12,000 for a joint return; $6,000 for single. Open and fund a traditional IRA at your bank, mutual fund or broker by April 15, and you can reduce your income, thus lowering your tax obligations. A traditional IRA will also grow tax deferred so you pay taxes on the income and its accumulations when you retire. Hopefully you tax bracket will be lower then. If building retirement income sounds like a great idea, how about using your refund to create a nest egg of as much as $1 million. The average refund is about $2,900. Investing in a low-cost broad market index like the Vanguard S&P 500 for about 34 years will provide about $1,000,000. This is the perfect way to have the money when you need it even if your employer does not offer a 401k account. You can set up automatic investing from your checking so you never miss a market rise. You just keep investing year after year—no trading, no broker fees, nothing! Your future $1 million is in your refund: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

How do we deal with captains of industry who kill people?
OxyContin kills people—over 70,000 in 2017 alone. The maker, Purdue, gave physicians misleading information and never corrected it. Richard S. Sackler, and his family, got rich from spreading this addiction. MA sued them--accusing him and other Sacklers of “illegal deceit” in the promotion of OxyContin. Also, journalists at ProPublica and STAT recently published records from a 2015 Kentucky lawsuit suggesting that Sackler knew Purdue Pharma representatives were misleading physicians to help boost OxyContin sales. Our institutions used to stop highly addictive drugs from being spread ‘all over town.’ However, this family learned how to manipulate the system—first on Valium; now on Oxy. Sellers claimed they were ‘weaker’ than other opioids. Once caught, the sellers have just paid fines and kept on stuffing pills down our mouths. Since the regulators, President, lawsuits and fines can’t stop this carnage, the traditional answer has been our Reps—Congress. But now most of our Reps are funded by the drug empire. Only when public outrage at cocaine-infused Coca-Cola became headlines did Coke stop addicting us. GM killed 124 when it knew the key switch failed and no one went to jail. 70,000 drug deaths is almost twice the annual vehicle deaths.
What will it take to stop Purdue and the Sacklers from killing more of us? Bankruptcy?

12 Reasons to Roll Your 401(k) into an IRA
When you move to another job, you may have the option to leave your retirement money with your old employer. Don’t. First, you may find better investment options in a low-cost mutual fund provider like Vanguard, Schwab, or others. Low-cost bond funds offer better yields than stable value or guaranteed funds over time. Second, almost all large fund companies are fiduciaries. You have no idea what could happen to your old employer. Third, a low-cost IRA fund may cost much less than your employer’s plan—0.04 vs 1.4%. In fact, many employers’ plans are being sued for overcharging employees. Fourth, when you pay less, you earn more—up to 63% more. Fifth, unbiased advisors are available for your funds at funds like Vanguard—no commissions are allowed. Sixth, employer 401k plan advisors are conflicted by their arrangements with plan administrators. Small employer plans are often serviced by insurance agents with high costs. Seventh, every large fund complex allows small balance transfers. High-end advisors/brokers have high balance minimums. Luckily, Warren Buffett proved we don’t need them to beat high-cost advisor returns. A simple low-cost index fund returned 7.1% vs 2.2% for advisor picks over 10 years. Eighth, there are no transaction costs to move funds from one fund to another. However, trading is discouraged since trading causes losses. Ninth, IRA funds are protected from creditors just like 401k funds. Tenth, you can borrow from your 401k and not from your IRA but retirement savings is your future. There are NO loans for income when retirement comes. Eleventh, an emergency fund is the place to borrow for a current crisis. Many 401k loans are not repaid so you give up your future. Twelfth, moving your money to a new employer is tricky. Having your IRA trustee move your money for you is easy and safer. You are starting a new job and you don’t need the hassle of lost money. Besides, you must rollover to an IRA account eventually. You should have all your funds in one place when you retire. After 30 years of changing jobs, many retirees have forgotten or lost their 401k balances when they retire. Most smaller employers don’t want to hold your 401k. If you leave it with your old plan you will have to deal with the old plan administrator not your old employer.

IRA expert Ed Slott’s explains what you need to know
Most of us have IRAs in retirement because we cannot keep 401k accounts going at the old job. What we need to know is crucial because there are penalties for not following the rules of withdrawal and inheritance. You need to have some idea what your advisor is doing because you are ultimately responsible for your taxes. Most advisors are not tax experts but they do move your money and a lot of it is in IRA accounts. Ed Slott is the expert and this is what he teaches advisors if they take his course. IRAs require withdrawals, taxes, re-titling after death, beneficiary updates, perhaps a trust and definitely capital preservation/income stream decisions. Since the money has not been taxes, every decision can have tax consequences. Sometimes date of execution is important.

Which kind of advisor do you need?
We needed a fee-only advisor to help us make a plan for the future as we approach the time when we leave regular employment. All the advisors in our driving area only took on new clients with more money than we had accumulated. Most of them got paid by commission or a percentage of our assets every year. We were lucky to find a fee-only advisor through another advisor. She agreed to meet at her local shared office space near us. We told her what we needed and where we were financially. She agreed to do a plan for us at a cost much less than the annual fee of most advisors. Our portfolios were set with low-cost balanced funds and a few stocks mostly in IRAs and pensions. We were happy with what we had accumulated and didn’t need another broker making ‘wealth opportunity’ suggestions. After giving her our financial information and goals and questions, she presented her plan in about a month. She provided income/expenses for months and years for the next 30 years. Yes, we had enough to live comfortably and keep our home with high NJ taxes. All our financial goals were accomplished. We were happy and satisfied. We felt lucky we found someone who gave us a written plan for the right price. Most of all, she listened, asked the right questions and gave realistic answers. She was really a financial therapist. She calmed our fears that we would not have enough to do what we wanted for the rest of our lives. Our investment advisor is Warren Buffett.




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Make America, “The Don”, Great Again
Truth isn’t truth, his lawyer says

Two Americas: A Banana Republic? Do we really want an infant king? Daddy Putin!

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How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 
Contractors paid to maintain military housing grow mold/rats and still make $ millions

SCAMS/SPINS:
IRS says scams continue with direct debits, etc: irs.gov/newsroom/security-summit
Car dealer’s scam: no final financing agreement completed so ask for more money.

We pay for sea bass and get perch or tilapia: No truth anymore--just ‘marketing’!

William Gennity, NY caught excess trading for fees—churning—created client losses
BB&T--Valley Forge caught lying & misleading clients about charges: fine, no jail

DNA test giving up coverage/privacy: “perpetual, royalty-free worldwide transferable license” 
BEWARE: Ask how much before treatment: $3,000 Rabies shot billed at $48,512.
Watch for driverless cars: AZ says Uber NOT responsible for killing pedestrian?!??

Ellis channels Trump: Manafort gave election data to Russia but judge says no collusion
GOP vote against Dems ‘condemnation’ of hate?: What about infrastructure jobs bill?

Trump Mob broke law and violated Constitution: business men don’t read Constitution 
Trump’s ‘easy win’ trade war costs US $3 Billion a Month: few new jobs.

Individual 1” could be a Russian “asset”: Why FBI opened a file on The Mob Boss.

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.
‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.
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Jobs:


Who owns your account now?
Keep track of your money: Best personal finance software reviewed.
Own the most reliable car/SUV you can: Consumer Reports top ten picks

Your advisor is now target to gain your data: Ask for deletion of personal data.


Miracle:


IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts

Friday, March 1, 2019

Cut taxes and build retirement income by April 15


Not too late to cut taxes and build retirement income
You may owe the IRS this year or receive a smaller refund. You can change that by increasing your deductions by $12,000 for a joint return; $6,000 for single. Open and fund a traditional IRA at your bank, mutual fund or broker by April 15, and you can reduce your income, thus lowering your tax obligations. A traditional IRA will also grow tax deferred so you pay taxes on the income and its accumulations when you retire. Hopefully you tax bracket will be lower then. If building retirement income sounds like a great idea, how about using your refund to create a nest egg of as much as $1 million. The average refund is about $2,900. Investing in a low-cost broad market index like the Vanguard S&P 500 for about 34 years will provide about $1,000,000. This is the perfect way to have the money when you need it even if your employer does not offer a 401k account. You can set up automatic investing from your checking so you never miss a market rise. You just keep investing year after year—no trading, no broker fees, nothing! Your future $1 million is in your refund: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

Our new taxes are going to GM refund: $104 million refund in 2018, ’19 ’20 …
We are not fooled by Trump’s claim that his tax law changes were for the middle class. Our taxes go to many large profitable firms like GM, Ford and others. They haven’t paid taxes in years just like Trump. Even after bailing out their bad management decisions in 2007-8, they don’t pay taxes on sizable profits now. They still cut jobs and send them to other countries. For instance, GM and Ford have decided they will not make cars HERE anymore. Also, GM's former CFO, Chuck Stevens, said last year that because of the tax credits GM had, the company would not be paying any U.S. income tax "for the next several years.” This can go on forever because a “business cannot know how many loss carryforwards it will need each year to offset the taxes.” This is like us spending more than we make and using our debt, credit card and student loan debt, as an offset to future taxes. We would never pay taxes if our reps had written the tax code for us instead of for large corporations. When they make poor decisions, they get a tax credit for future years.

Why John Bogle’s invention is so important to us
Bogle just died. He created the Vanguard Group of mutual funds as a kind of Co-op: we, the investors, own the Vanguard Funds. His investment invention, the Vanguard 500 Index, was offered in 1976. It allowed us to own the stocks of most of the large companies in this economy at low cost. He noticed that the money management industry provided profits to the fund owners whether or not investors made money. As the industry got bigger, the costs went up instead of down as in most industries. He compared the returns of the managers of the funds to the returns of an index of all large stocks. The index gave more consistent returns—not too high and not too low. Investors were able to estimate returns within a close range—10-12% per year over time. Test it yourself: moneychimp.com/features/market_cagr.htm. Bogle’s index fund offered every investor the chance to do well with lower costs. When investors pay 2% of their nest egg EVERY year, they give up 63% of the total possible accumulation over time. As Bogle put it, “the tyranny of compounding costs” is overwhelming—over HALF of our money is going to our brokers, staff, owners, marketers, and others. It is COSTS that determine how we do.

Are you paying for 401k plan kickbacks to Fidelity?
Fidelity has been sued by a 401(k)-plan participant for accepting "secret payments" from certain retirement-plan business partners. In this so-called pay-to-play scheme, Fidelity required mutual funds and other investment products offered through its FundsNetwork platform to make "kickback" payments if the revenue-sharing payments (such as 12b-1 fees) they made to Fidelity fell below a certain level, according to the class-action lawsuit. Fidelity makes $ millions from the payments, which are not disclosed and are "deceptively characterized" to retirement-plan clients, according to the lawsuit. The payments allegedly harm retirement savers by increasing the costs of the mutual funds. Fidelity started requiring kickbacks in 2017 when 401k-plan participants chose index funds with no revenue sharing from plan record keepers. 401k fees reduce our retirement savings.

Is a trust the right beneficiary for your IRA?
If you have a sizable IRA account, you may be concerned about leaving the whole thing to one child or couple (community property states). Heirs who inherit an IRA directly — not through a trust — lose the IRA protections. Trusts shield IRA assets in the event of lawsuits, business failures, divorce and creditors, for example. Heirs have access to the assets but the access may be designed to limit complete disillusion. For parents of a spend thrift adult child, the trust may be the only way to protect them. Naming the spouse as beneficiary just delays this decision. Spouses can roll over the decedent's IRA assets into their own IRA tax-free. The spouse has the burden of how to pass on assets. Finally, a trust is costly to maintain so the size of assets must be substantial to warrant a trust. There are rules to follow closely. The RMDs would still be required for the IRA. You must select the proper type of trust: "see-through" or "look-through" trust. The RMDs are smaller since the lifetime of the trust bene is longer. However, trust fees can eat up the actual payout to an heir.

Trump’s new taxes allow wealthy to buy planes
The new tax regulations were supposed to cap the extra perks used by executives of any company including their own private jet. However, once again, their lawyers and accountants have found a way around the tax law. The “bonus depreciation” creates sizable business losses that are now capped. They can avoid the limit on “excess business losses” by changing the name of their revenue stream thus soaking up the sizable business loss that buying an airplane usually creates. They can thus avoid a capital gains tax bill on their income and ordinary taxes on their fees. While this avoidance trick doesn’t affect investors like pension funds or foreign individuals and businesses, it can hurt U.S. individual investors—us. The new cap on losses was supposed to raise nearly $150 billion over a decade, according to Congress’s Joint Committee on Taxation. Now we taxpayers will need to make up that $150 billion loss by paying more taxes on wages.
 
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Make America, “The Don”, Great Again
Truth isn’t truth, his lawyer says

Two Americas: A Banana Republic? Do we really want an infant king? Daddy Putin!

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

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

Will we have to pay Trump’s legal bills in Scotland? Using debt to get a refund from us


SCAMS/SPINS:

Health industry profits already lobbying our Reps against Medicare for All.
Mount Carmel Hospital, OH, Husel, caught giving fentanyl: 15th wrongful-death lawsuit 


Robo calls up 46%: We get more than 10 a week—govt powerless to stop scams.

Mob Boss’ fixer’s confession: The Boss is a ‘racist, conman, cheat.’ MOBSTER
Mob Boss’s new attack dog rips Cohen family then says not threat on eve of confession.

Trumper says he plans to use social media to spread fake news about Dems follows Putin
GOP effort to delete 60,000 DEM voters in TX halted by Fed judge: Can’t win so purge!


Individual 1” could be a Russian “asset”: Why FBI opened a file on The Mob Boss.

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.
‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.
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Jobs:
Smollett was upset about $100,000 per show. Others got more and less.
Wages in top earner’s group grow; wages in middle and bottom fall backward still $7.25!
WalMart offers telemed $40 visit cost $4 by phone: Future is here!
Gun slinger to replace Harris in NC election redo after GOP caught stuffing ballot box.

Who owns your account now?

Low credit scores and finding a mortgage: Lenders that may take your money.


Miracle:
Pope tells criminal abusers and their cover up leaders to just stop doing it: no jail time–except in Australia. Iowa list of abusers has only dead priests—Current abusers stopped?



IAN
41 Watchung Plaza, B242
MontclairNJ   07042
973.746.2014
Alerts