Your Wealth Reserve: December 2021

Friday, December 31, 2021

Teach your kids how to triple their assets

Make the new year better

New year fresh start for your kids/grandkids

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. We have used this 'Wealth Reserve' as I call it to have funds to use low-cost high-deductible insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a monthly in a retirement supplement. Your kids use the Buffett investment strategy for any amateur. Buffett recently proved his method, though simple, beat the strategies of the best hedge funds. Start with only $1,000.

Start in 30 minutes: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

Why our readers use low-cost efficient Vanguard funds

World's greatest investor's retirement advice: Retirement income for life from 2 Vanguard funds. Avoid “high-fee managers” Warren Buffett's personal will provides for his family by directing that his cash assets be invested in just two Vanguard funds: One will provide cash for the coming year and the other will provide a sound future. The best way to protect your family's future is to be invested in the stock market, Pure and simple. When you have stock assets, your money compounds at higher rates when your account fees are 0.01-0.05%, not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide your financial sales firm with higher revenues. The average investor earns just 3.79%, not the 10-12% market rates. (QAIB)

2021 Total Return Fund Long-term Return Longevity

29.0% 500 Index 11.2% since 1976

27.3% Energy 8.8% since 1984

12.9% Extended Market 10.7% since 1987

14.7% Health 15.8% since 1984

00.0% International Growth 11.4% since 1981

22.2% PRIMECAP 14.0% since 1984

17.8% Small Cap Index 10.6% since 1960

08.4% Wellesley Income 9.6% since 1970

28.0% Windsor 11.4% since 1958

29.2% Windsor II 11.2% since 1985

18.9% Average 11.5% *

*Average Annual Returns as of 12/31/21

Use the Buffett strategy: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

Why automatic investing is so successful

If your investment plan is NOT on automatic, you may be missing the second best strategy. After the miracle of compounding, investing every month—buying more when prices are low and less when higher—usually beats market timing. Think of it: you don’t need to decide when or how much to invest. There is no rush to buy on the dip or guess when your stocks/funds are at their peak gains. You don’t have to fret that you may have missed the 10 best days of the stock market rise each year. Proof: Fidelity analyzed the most successful retirement accounts of all its clients. The most successful accounts were those that were NOT changed—no selling. The accounts that were forgotten or client died gained the most over time. Investing benefits from the miracle of compounding—dividends/interest reinvested—when there is no market-timing buy/sell trading. Auto-invest strategy takes our emotions out of the process. We don’t miss the best 10 days of gains since they are NOT predictable. We don’t sell at the wrong time.

Ride the wave: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Is Bitcoin right for you?

If you own BTC you have had a wild ride this year. If you don’t you probably earned 27% in the real market. If you own BTC you know this is a speculative play and if you cashed out at $50,000 before it fell to $31,000, you are probably happy. If not you are sad. There are many professionals that feel this game is worse than the Ponzi scheme of Madoff. Why? Because there is nothing real here. And you can’t use it to buy anything except in El Salvador and Tesla auto. And many accounts have been hacked. You may be able to make money with your account but it is hard to guard the value. It may drop a lot on one day but you never know how much you will have from one day to the next. Yes, there are folks who have won the lottery in Bits but not everyone wins in Ponzi schemes. One unit is $50K or more so you can’t create a 401k this way. The tax situation is fluid too. The IRS has not figured out how to regulate this phantom yet.

Use a real tax-free account with real money: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

Why Mad Money Cramer recommends index funds

AARP interview: “If you’re going to buy a company’s stock, you have to know what they do. You have to know who their clients are. You have to know how they do when the economy’s doing well and when the economy’s doing badly. You have to read articles about the company. You have to read the [transcripts of] conference calls [in which companies discuss their financial results]. If you don’t have any time, you just own an index fund; you own good with the bad. It’s perfectly good for an individual to own an index fund. People are unwilling to do the work. I have friends who tell me, “These stocks seem OK, and so I’m just going to buy them.” And I’m, like, “No, please don’t do that. Please don’t do that.” The 500 Index fund only has the top grossing firms. They would not be in the 500 fund if they were ‘bad,’ as Cramer said. Over time, the average advisor account earned just 6.2% vs 500 index 10.7%. Picking a successful individual stock is a lot harder than Cramer implies. Every analyst picks bad stocks, even Cramer. Warren Buffett’s unbiased advice: buy an S&P 500 index fund.

Take their advice: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

Wealth building hype can mislead you

Most articles you read about investing are written by journalists, not actual investors or folks who work in the financial field. Building wealth takes time, patience and commitment—all of which don’t sell books, magazines or TV shows. One article says you can start with $1 using an app. No. A low-cost investment account requires $1,000 to start. And $250 a month for about 30 years will create a nest egg of $700,000. It also promises that a “quality financial advisor could turn $500,000 into $3.4 million in 25 years.” No. The average advisor account earned just 6.2% vs 500 index 10.7%. A prominent financial analyst calculated that the average advisor fees will rob you of up to 63% of what you could have had using a low-cost stock market index. Pay more; earn less. The article promises to cut your car insurance by $700 if you use the author’s sponsor. No. All financial firms promise huge savings using one very unusual example. You may save by shopping 3 different carriers every 2 years but you will need to change your deductibles, drop coverages and benefits you don’t need. You may save $700 over 10 years or more. The article promotes a home warranty so you “don’t have to worry about fixing your home” heaters/appliances. No. These contracts don’t cover everything that goes wrong and cost more over time than you could accumulate in an account. The article also claims you can make “some money” watching videos and taking surveys online. No. Your payment for a survey is no more than $10. Use the time to learn how to build wealth from those who have actually done it like Warren Buffett and John Bogle.

Their strategies actually work: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

?**********ACCOUNTABILITY**************?

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

The Path to Dictatorship: 2010-2030

Proud Boy: 'We took the Capitol’

Who paid for the Jan 6 Coup?

Most terrorists free … to try again

Trumpers purge the disloyal

Big money pays Big Lie

Defense mandate ignored

Terrorists blame gov spys

How Govt wastes our money:

FL makes new record cases 31,758: state health public policy to kill people is working

National guard spreading covid in some states: will military side with terrorists?

Biden hides Trump documents: Jan 6 coup-attempt terrorists applaud

SCAMS/SPINS:

GOP has changed voting laws in 17 states to make sure they don’t lose elections: Fix is in

Sue for Truth: GA poll workers sue One America News, Giuliani debunked fraud claims

Trumpers fire death threats at folks the Leader doesn’t like: no one left to oppose Leader

GOP abortion bans: few men rethink family planning choices

German pastors giving vaccinations for all to save lives

When will airlines make vaccination mandatory so all flyers protected? 850,000 dead

Anti-vaxxers need own hospitals so I can get my surgery: their ‘personal choice’ hurts mine

“Guns for protection” fails: gunman shoots, kills before victims have time to draw/shoot

Who leaves loaded gun around 3 year old: killed herself on Christmas

We are killing each other faster than ever

Airlines switch to cooking oil to cut jet emissions: funny smell in the air

Kia and Hyundai engine fires draw regulator probe: 2011-2014

Drug stores refuse blame for opioid deaths: makers went bankrupt; doctors fight suits

Medallion Financial caught inflating stock price: lender to taxicab medallion buyers

Jobs

Raises for senior staff: if inflation is 7% my salary increase must be 10+%

Unemployment comp raised for anti-vaxxers only in GOP states: buying votes strategy?

Can anyone live on $7.25? 20 states remain below poverty: $15/hr is goal in most

Who owns your account now?

Gov stops Tesla from letting drivers play video games while driving: See why need gov!

See why need mandate vaxx: Pediatric hospitals in states filling fast: Save our kids!

Gov pays for your funeral from Covid: vaccine costs less

Metromile to Lemonade: app to measure how much and how safe clients drive.

Our home prices surged 18% in October: Phoenix up 32.3%

Morgan converts mutual funds to ETF to compete for new money: stop share loss

Miracles:

TSAer jumps line: saves infant not breathing: Santa spirit is everywhere

Virus-shapes decorated deserts at Prague café: creativity fights plague

Covid pills for specific use: you gotta read the directions if your script is filled

Unmarried advisor to millions of couples offers marriage advice: “Please, Thanks, Sorry”

Best of 2021 events: Cheney & Kinzinger stood against the overthrow of our government

A 6th Grader Saves the Lives of Two People on the Same Day

Jan 1 ’22: Congress ban most unexpected charges from out-of-network providers: YES

Alaska sets December temperature record at 67°F: 67 Wow! Dec 26

Tahoe snowfall 202.1 inches breaking a 50-year record.

We can apply for Medicare online: https://blog.ssa.gov/apply-for-medicare-online

We can apply for Social Security online: https://www.ssa.gov/benefits/retirement/

We can apply for health care online: https://www.healthcare.gov/

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts available at http://dankeppel.blogspot.com/

Friday, December 17, 2021

We pay Congress to help the wealthy use hobbies to avoid taxes

Child Tax Credit account info

In January, the IRS plans to send us a statement (6419) of the amounts we received in 2021 for this monthly advanced CTC payment. We must reconcile the amount we received to the amount we were due to receive based on our income. Some have received $1,800--$300 a month for 6 months in 2021 via direct deposit. Most tax prep software will do the calculation for us based on the amount we enter. IRS warns that if we enter $0 (don’t remember exactly how much we received), our refund will be delayed for months. The advance was calculated on previous year adjusted gross income—AGI—from our 2020 or 2019 tax return. As a result of any family and life changes, you may receive a total amount of advance Child Tax Credit payments that exceeds the amount of Child Tax Credit that you properly are allowed on your 2021 tax return. You may owe the IRS the excess payments. This will cause a refund to be reduced or conversely, a tax due.

AARP is again providing FREE tax prep locally starting in February: https://www.aarp.org/money/taxes/info-2018/aarp-tax-help-fd.html

We pay Congress to help the wealthy use hobbies to avoid taxes

The hobbies and side businesses of the ultra wealthy create huge write-offs that can let them get away with paying little or no income tax for as much as a decade at a time. America tax system lets the rich deduct the money they lose by indulging in expensive hobbies. Six of the 20 thoroughbreds running in the Derby were owned by Americans whose horse-racing operations have produced $600 million in losses that they use to offset their income, according to ProPublica’s analysis of IRS data. The wealthy use their hobbies to reduce their taxes. The wealthy pursue happiness with their toys; they do it with a subsidy from our taxes. Their hobby is subsidized by us taxpayers. Some of the wealthiest amass deductions to such an extent that they can avoid income taxes for years on end. Many of these tax avoiders are titans in commercial real estate or oil and gas, industries on which the tax laws bestow unusually lucrative advantages. Ty Warner, creator of the Beanie Baby toy, lost so much money on his side business — luxury hotels and resorts — that he went 12 years without paying a dollar in federal income taxes. Dr. Patrick Soon-Shiong, who built his $7.1 billion fortune by selling two drug companies, oversees an array of businesses that have produced tax losses, including the Los Angeles Times, which he bought in 2018. He hasn’t paid federal income tax in five consecutive recent years. Does your Congressperson let you avoid taxes with your hobbies?

American Socialism: https://www.amazon.com/Americas-Socialism-Rich-little-people-pay/dp/1535218584/

Best securities mix for retirement income

Retirement income needs can last 30 years. The former generation formulas were not designed to last that long. With inflation increasing and health care costs jumping up at two times the rate of inflation, you need to maintain accumulation as well as taking income from your nest egg. If your pension and annuity have fixed benefits, your monthly income will be cut down in a few years. Stocks are the only security that can outpace inflation. Stock market returns are not guaranteed year to year but over time are better bets than a fixed rate return. Over the last 3, 5, 10-year period, the market has returned over 15%. Your money quadrupled during that time. See how much you can spend each year with financial planning software: https://retirementplans.vanguard.com /VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf. One of the greatest investors of all time, Warren Buffett, has recommended putting most of your retirement dollars in the completely diversified low-cost 500 Index from Vanguard and moving your excess market returns (11% is the average) into a money market fund each year. Don’t give away 2% a year to a manager. Some of my readers use the low-cost Vanguard Wellesley Income Fund which has provided returns of over 9% a year since 1970. This week our gov stops giving our taxes to private biz to slow the market: Time to act.

https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

Great gift idea: tax-free ‘Wealth Reserve’

Help you child or grandchild get off to a great start in life: open a tax-FREE account for a secure future. You can open an account with them for $1000 and as they make contributions from earnings and holiday gifts, you can show them how their money compounds at over 11% a year. There are no broker fees, charges, or commissions so every $1 works for their future benefit. They never have to pay Uncle Sam either. This is a legal IRS tax shelter. It is the ultimate wealth management system for their whole life. A ‘Wealth Reserve’ is the New American Retirement System: all earnings are tax FREE.

Get them started right: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

Congress creates Zero Tax zone in Puerto Rico

In Puerto Rico, they pay nothing. Many with crypto wealth are taking a page out of hedge funds’ books and seeking residence on the island to reap huge tax savings. “Crypto Mondays” gatherings at hotels and restaurants across San Juan is a common occurrence. Facebook’s Frances Haugen told the NY Times she's living in Puerto Rico in part to be with her “crypto friends.” New York City’s mayor-elect, Eric Adams, even flew there in November with crypto-billionaire Brock Pierce for dinner with Puerto Rico’s Governor Pedro Pierluisi. A 2012 law to spur development exempts new residents from paying taxes on capital gains. Since old residents do not benefit, some feel the tax exemption may just exacerbate the bankruptcy situation of the island. Applications for residency are up as Dems look for ways to capture tax revenue lost in new tax avoidance schemes.

Use your Zero Tax Account: https://www.amazon.com/Your-ZERO-Tax-Account-Wealthy/dp/1482772795

?**********ACCOUNTABILITY**************?

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

The Path to Dictatorship: 2010-2030

More Trump advisors ignore Congress law

National Guard! backing up Trump terrorists

Trump declines to stop coup terrorists attack

Corporate America funds the next attempted coup

Bannon: 'We Reign for 100 Years'

How Govt wastes our money:

Manchin’s coal empire driving Congress block help for families: saved his subsidies$

Trump’s coup planned to use emergency powers: armed National Guard takes over gov

Tax avoidance is a long American tradition: for the wealthy only: we pay their subsidy

Vets steal Army weapons sell into underground where mass-killing weapons allowed.

Manchin cancels Child Tax Credit: needs the money for his coal companies subsidies

SCAMS/SPINS:

Judge: Citizen enforcement of TX abortion law unconstitutional: vigilante justice

Supremes: ban on interstate commerce by TX upheld: telemedicine blocked

Air Force discharges 27: refusal to get COVID vaccine: vaccine critical to health of AF

GOP Senator says you can kill Covid with mouthwash: but you can’t 805,000+ dead

GOP Christie Trump shared Covid together: touching each other no masks no vac

MO state threatens health department if it helps citizens fight Covid

805,000 virus deaths, 1 of every 100 older Americans has perished plague never end

How many anti-vaccinators will be left by 2022? More variants may kill millions

Over 100 Marines discharged for refusing military order: COVID vaccine

Fake news is so easy to make: everyone needs to verify what read on internet

Facebook: “It’s Not Our Fault People Want COVID Misinformation”

Fake postage stamps for sale!

Fake: “We found a refund payment of $681.25 is due to you on your Insurance Policy”

Fake claim: Tesla’s “Full Self-Driving Capability” Musk staged video for sales

you can only go 37 mph: Mercedes beats Tesla self-driving on highway

Medicare premium increase mostly to Biogen; not nurses, doctors, hospitals: buy stock

RECALL: Coke Sprite cans sold in East: come with surprise inside

RECALL: cooked ham pepperoni possible listeria contamination

BEWARE: Hertz told police she'd stolen the rented truck: her insurer rented it for her.

Creditors “buy now, pay later” audited for compliance with regs

GOP contributors pay off Trump’s personal debts: one more step to dictatorship

Keith Todd Ashley TX misappropriated customer funds then murdered customer

Paul Ricky Mata caught $12 million real estate investment fraud: 14 yrs prison

Mel Trump selling NFT pics of her eyes for $186: some profits for charity

Sex abuser’s supervisors go free: 300 gymnasts abused by Nassar; not one boss jailed

Sex abusers/supervisors go free: hundreds boy scouts abused; not one scout master jailed

Doctors with sexual misconduct history get to do it again: licenses back: not one jailed

Jobs

Americans' average hourly earnings $31 up 4.8%: 6.8% inflation real wages minus2%.

Lindsey wants to be Don’s boy for ’24. How far down does he have to bend?

Earn extra cash: Treasury pays for tips on where foreign leaders hide money in US.

Bruce Springsteen sold his music to Sony for $500 million:

Who owns your account now?

Frenchmen use fake Covid vac passport

Open source Apache logging library Log4j gives hackers entry in most applications

Social Security benefits: know your options before you make a claim

Ed Slot on IRA for 2021: expert tips

Middle-class housing scooped by investors: big profits: no more American dream

Gov stops giving our taxes to biz to prop up market: Bull market is over.

CA bans gas stoves: new construction in some towns to save climate

Miracles:

Shirley Raines brings beauty hope to men and women living on Los Angeles' Skid Row

Lost lover’s bracelet found in Czech WWII prisoner of war camp: reunited with US vet

Woman trades a bobby pin for 28 items: finally a house?

Parents separated from their kids by Trump may see kids again: Christian nation’s sin

Houston Ship Channel is a flood disaster of chemicals, fuel, toxic water to kill

Hawaii snow blizzard hits flooded paradise: warm oceans Heat moves to NYC

December tornadoes are part of ‘new normal’ caused by climate change

Joshua trees will rise again in fire-scorched desert: rain snow put out CA fires

We can apply for Medicare online: https://blog.ssa.gov/apply-for-medicare-online

We can apply for Social Security online: https://www.ssa.gov/benefits/retirement/

We can apply for health care online: https://www.healthcare.gov/

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts available at http://dankeppel.blogspot.com/

Friday, December 10, 2021

Congress helping insurers sell annuities

Great gift idea: tax-free ‘Wealth Reserve’

Get them started right: https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355

Another way the wealthy avoid paying their fair share

Tax avoidance is the avocation of the wealthy and their ‘team.’ More popular now is the “Split the Masterpiece in Two.” With this trick, they “give away” a short time use of their collection ownership. They get a tax benefit tied to surging art values without donating a painting outright. In a typical arrangement, the piece goes back and forth between the donor and a museum. The owner gets an income-tax deduction based on the fair market value, potentially giving away more slices over time, for as long as 10 years. They can take $1,000,000 deduction every year on a $20 million piece while still viewing it at home. The IRS doesn’t release data on how often taxpayers claim deductions for these types of donations, so it’s impossible to track how much tax is being avoided with the strategy. Wealthy investors don’t typically tout it with the same publicity they might for donating an entire piece of work to a museum. Soaring prices for fine works are also helping to popularize yet another tactic that comes with tax advantages: art financing. Borrowing against the value of artwork allows people to get ample cash without having to sell, which means no capital gains taxes due. They have income they never have to pay income tax on. The rich have their cake [art] and eat [cash] it too. NO taxes ever.

American Socialism for the Rich: https://www.amazon.com/Americas-Socialism-Rich-little-people-pay/dp/1535218584/

Can you always “only pay for what you need”?

Liberty Mutual says: “You could save $947. Only pay for what you need with customized insurance from Liberty Mutual. Get my customized quote.”

Yes you can! Every insurance company offers to customize your coverage. Why would you pay extra for roadside assistance if you have a credit card with customer service? Why pay extra for accident forgiveness, low deductible, uninsured motorist (states that don’t require it), medical payments (if you have health care already), lost income (if you have other income), comprehensive (if your car is over 8 years old), theft (if your car type is not stolen often), bundling (if multi-policy cover is more expensive), monthly and paper billing, full year mileage, etc. Most people overpay for years: save $22,000. Discounts are not always explained—you must ask since fewer premiums means less commission to the agent. You should compare at least 3 carriers since they change their rates all the time. I have been quoted $500 to $900 for the same coverage.

Ask and save: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Congress helping insurers sell annuities

Many bills are being considered this year so that insurers can sell their high-cost products directly to retirees. Fee structures for annuities make it seem like you pay nothing. However, an agent may earn 10% or more on your 401k transfer--$20,000 on $200,000 for example. The insurer makes so much on your money that they pay the agent with an up front advance. Then each year you pay 2-3% of the total usually by deducting it from your account before you see the bill. The costs of an annuity are hidden in 5 or more fees and expenses charged each year. Of course there are benefits to a guaranteed income for life. However, most agents don’t mention that you are giving up the purchasing power of your money when you hand it over to an insurer. Insurers will be earning an average of 11% a year on your cash so they, NOT you, offset rising prices. Your guaranteed income may lose HALF the buying power in 20 years because of inflation. Since your family does not receive your money, they may lose a legacy if you die early. If you need your money for medical or living expenses, the insurer takes surrender charges of up to 7% of the value out of your check.

Consider alternatives: https://www.amazon.com/Retirement-Income-Annuity-Guaranteed-Life/dp/1497337313

Congress allows wealthy to avoid paying any taxes

Example: Stephen Ross, who developed the Time Warner Center and Hudson Yards in Manhattan, paid no federal taxes for years. He doubled his net worth from 2008 to, according to Forbes Magazine’s annual list, by adding $3 billion to his fortune. Though the developer brought in some $1.5 billion in income from 2008 to 2017, he reported even more — nearly $2 billion — in losses. And because he reported negative income, he didn’t pay a nickel in federal income taxes over those 10 years. While ProPublica has shown that some of the country’s absolute wealthiest people, including Jeff Bezos, Elon Musk and Michael Bloomberg, occasionally sidestep federal income tax entirely, this group does it year in and year out. Take Silicon Valley real estate mogul Jay Paul, who hauled in $354 million between 2007 and 2018. According to Forbes, he vaulted into the ranks of the multibillionaires in those years. Yet Paul paid taxes in only one of those years, thanks to losses of over $700 million. And we pay Congress to legally help these people pay nothing for their subsidized life in America.

Use your tax shelter: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

Saving $9 a day makes big difference

Those who save early don’t need to save a lot to reach all their goals. Time is money because when money is compounded in large businesses, it multiplies like rabbits. Many readers started investing late and so tell me over and over how they wish they had started when they were younger. They help their grandchildren get started with the new tax-FREE account. Saving $9 a day, $250 a month, $3,000 a year, compounds to $2,060,000. You actually deposit $120,000 over 40 years in a low-cost stock index fund (no advisor fees necessary) and your money compounds because you reinvest the profits and dividends from the Apples, Google and Amazons of this world. You pay 0.04% not 1-2% to an advisor-managed fund, so you earn the market rate of 11% a year on average. If you pay 2% per year for “advice” about securities you lose up to 63% of what you could have earned over time, according to Vanguard’s founder John Bogle.

Try compounding: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513

?**********ACCOUNTABILITY**************?

Like 1776, this period is a test of democracy—We rejected an "American fascist" once

The Path to Dictatorship: 2010-2030

“The Coup is ongoing”

Rule of law demoted

Coup enabler takes Fifth

Foreign donors paid for Coup

Special interests undermine our votes

How Govt wastes our money:

Supremes: taxpayers must pay for religious education (creationism) in some states?

Manchin holding up debate on Biden’s social-spending package: delay is GOP way