Your retirement plan takes 63% of your nest egg?

How much has YOUR retirement plan stolen from you?

The people who work for non-profit institutions often have the WORST retirement plans.

In fact, millions of people—teachers, clergy, nonprofit and charity employees who have NO say in their 403(b) plans—may be losing $10 billion each and every year to middlemen who do little to help them, according to Aon. Over your lifetime of saving—and teachers are some of the best savers—your fees will erode 63 percent of what you would have had. Fees go to sales people you have never even met. In short, because of the financial products forced on you by your employer, you may end up with $100,000 instead of $150,000. Your union and your employer actually went along with this HUGE rip-off knowing (kickbacks) the plan options you had to take were not the best. There is no oversight of the insurers and mutual fund firms that take fees up to 2.5% instead of the normal 0.5%. 403b plans are their “cash cow.” These firms know you know nothing about investing, so they throw hundreds of costly options into your plan in the name of choice. Worse, some public employees will not receive Social Security. Most honest advisors use index funds or ETF for unsophisticated retirement savers. And the rip will go on since the new Fiduciary Rule (client’s interests first) does not cover the 403b.

Make your own low-cost pension plan: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle/dp/1466394285

Is a market index mutual fund right for you?

What criterion do you use to decide about your advisor’s recommendations? Do you try to understand why that security is picked? Can your advisor tell you why this one will help you reach your goals in what time period? What are the alternatives that might entail less risk? Index funds and ETFs (commissioned index) replicate a market return if they have low fees. Cost is the best predictor of your investment success. So that is the first question I ask. You need to know about the history of a security/company you buy. No investment product is perfect so you may be safer with an index that contains 500 companies not 1. Broad market indexes are popular because you’re buying many firms. This protects you from one firm or sector failure. Stocks have higher returns when you hold them for over 15 years so for that part of your investments, they are right for you. If you need another part of your money to be there when you need it in less than 15 years, a low-cost balanced fund with bonds can provide 9% a year. http://www.saferchild.org/power/

Vanguard’s best funds have provided over 11% over time: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

How much can you invest in your retirement account in 2017?

IRS just announced the new 2017 limits in https://www.irs.gov/pub/irs-drop/n-16-62.pdf. For IRA and Roth IRA contributions, it remains $5,500. For 401k, 403b, 457 and TSP it remains $18,000. A deductible IRA cuts off at AGI of $196,000 if you have no plan at work. It is $119,000 for marrieds who have a plan at work and $72,000 for singles. For those of you in company pensions using 430c2d excess employee compensation you have a special election up to $1,115,000. If you already have a healthy IRA, you can convert any part of it to a Roth IRA making it a tax-FREE shelter for the rest of your life and your heirs. This can be your family legacy plan at no extra cost too.

Tax-FREE income: https://www.amazon.com/Pay-No-Taxes-Retirement-legally/dp/1507527977

Your vote counts? Lobbyists guide government decisions no matter how you vote

When a large corporation has a problem with the government, who do you think they call to fix it? They call their lobbyist like Teneo. They pay our former President, congress person or Speaker of the House to go talk to their friends who still collect measly ($100k) government paychecks. They take them to lunch or pay for this or that. Voilà the decision comes down that fixes the problem. What Teneo and others are selling is access. Corporations buy “juice”; influence and it is a deductible expense to them. “The ability to bring business and political leaders together to meet the C.E.O.s was all part of the selling point.” $1 million a month buys all kinds of influence in 12 different areas—regulation, security, negotiation, diplomacy, financial, etc. For instance, Ms. Abedin worked for Teneo while simultaneously worked as Mrs. Clinton’s aide in the State Dprt. There are over 10,000 lobbyists “running” this country. Don or Bernie don’t have a chance. You need “juice” to change things: https://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

Use your Tax Credits to avoid income taxes like Trump

Most of us receive only 4% of federal tax breaks like food stamps and Earned Income Credit if you are poor or the property tax and mortgage credit if you are middle class.

The Tax-Credit Class pays less income tax with capital gains and dividends because it is “unearned.” So if you actually work; you are taxed MORE. For instance, Warren Buffett pays 17% on earnings while we pay 33% total tax. The Tax-Credit Class pays NOTHING on assets they got from a “rich uncle” and on their home when they sell. Most of us don’t “itemize” so we lose all kinds of tax credits. We pay 33% of income for many taxes. We are nickel and dimed for 97 kinds of taxes. The Tax-Credit class deducts medical expenses, job hunting and work expenses not reimbursed by others, deferred compensation (bonus and stock portfolio worth more later), investment loans and costs, investment losses, stuff they lose, stuff they own. They can eliminate income tax by listing losses from buildings, race horses, farms, oil, leasing and businesses they own as partners, LLCs, C and S corps. Trump actually deducted $916 million but most of it was other people’s money. Some bank debt was cancelled which normally is taxable but not after RE lobbyists got Congress to change rules in 1993. Trump is tax-FREE for 18 years.

Use your Tax-Credits too: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO-tax/dp/1539462382

Reality TV or ‘debate’ I can’t watch—like Jerry Springer show?

Which liar will win American’s vote?

Neither can re-create jobs of the good old days!  We don’t see either one as President.

Do-Nothing Congress will decide US future by doing nothing for more 4 years.

           

Trump Network: Don’s son-in-law, Kushner, to start Trump Network Now on FB

            You know I couldn’t live on the Presidential salary—a “step down” for me.

Don:    “now we're supposed to send them out of the country, I don't believe in that” 2012

            Invading Iraq? Yes I guess so. I wish the first time it was done correctly. 2002

            There are now a dozen who claim I was a bad boy—suing each one on 11/9.

            At least a Las Vegas paper endorsed me. Most supporters don’t read anyway.

            Putin getting ready for war—Making Russia Great Again. US troops to Poland

            Liberty University students say I am the antithesis of Christian values—Rigged!

            I gotta be numero uno. Fear public embarrassment most.

            Putin aide emails hacked: started Ukraine war and cyber war for power.

            “we should just cancel the election and give it to Trump," megalomaniac says.

“I can shoot somebody on 5^th Ave and wouldn’t lose voters.” Well, maybe U.S. women.

            Worst campaign? Maybe I didn’t really want to be President. I have job already.

Mike:    Polls are rigged so we spent more on hats ($3.2 million) than on polling $1.8 mil.

           

Hill:     “pay no attention to the polls.” FL leaning to Trump so “no complacency” please

            Congress ALREADY set for my public “hanging” in Chaffetz committee.

            Don says I met ‘international banks to plot the destruction of U.S. sovereignty’

Tim:    "Florida, you guys are a checkmate state" 

            Trump promises to settle his scores [suing accusers] in first 100 days as POTUS.

This election like 1964 LBJ Goldwater: Gen Jack Ripper believes only he can save us too

GOP WI  refused to open polling site believing it would favor Dems.

How the party of Lincoln became the party of Trump—conservative means go backward especially among “Christians” who now accept immoral acts in their public servants.

            Therefore by their fruits you shall know them. Matthew 7:20

Regulators are the only protection we have since we can’t sue anymore

            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill                requires impossible: every person in class action suffer “same type and scope of injury”)

               Supremes stop us from suing—State courts no longer available to sue corporations!

Where were regulators—ITT stole $400 million from students and US? Lobbyists won.

ObamaCare: 44% favorably 47% unfavorably. 2/3 Dems 1/3 GOP say it’s working well.

William W. Gammon Towson, Md. Sold unsuitable investments given the clients’ ages

Lee D. Weiss of Boston sold unsuitable investments

Carolyn C. Kaufman, Hudson, Ohio, involvement in a case involving forgery.

Watch out in CO: Bud trucks are on auto pilot and may not see you going for a Bud.

IRS claims to have stopped fake ‘agents’ callers asking for tax bill payments. Hang up.

But IRS bill collectors do call to collect taxes since Congress passed law. Don’t hang up

Trump Toronto near bankruptcy: another Don deal gone bad—investors duped.

Christie: all 7 people lied about my directing Bridgegate. Kelly: I was “a scapegoat.”

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

CR best cars to buy

Buick has come up in the Consumer Reports tests. Honda and Subaru have dropped. Lexus and Toyota have remained on top. Poor showing for Jeep, Ford, Tesla, Caddy.  Slightly used cars are a great bargain. You get the benefits without the new model troubles. Most reliable are the old favorites—Camry Accord Lexus.

And don’t forget your new insurance discounts: 

Do you still need to spend over $25; even $50 a month on cell service?

There are alternatives coming every week for those who need fewer bits every month. Now that you know your usage, it may cost you less with another plan. These plans range from $0 a month to $15: http://www.mymoneyblog.com/list-of-cheap-basic-prepaid-cell-phone-plans-under-10-a-month.html

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 a gun hidden. You and real criminals both have guns. Body cams make it harder to plant evidence and stage scene for TV crews.

Police organization issued a formal apology for the historic mistreatment of minorities.

SCAMS: Feds “overpaid” National Guard to re-enlist and years later takes money back

Global warming: West Africa and Florida watching ocean take over more land

Christie as gov says his staff closed busy bridge traffic on their own: incompetent or liar?

Bundy’s armed rebels go free--“ruling will embolden other militants to use the threat of violence” 

Ignoramus Award: Feds pay people to leave job and fight; then want money back. Congress knew 2 yeas ago and did nothing. Why do we pay Congresspeople anyway? Can we get our money back if Congress does nothing all year.

How our government wastes our money

Feds “paid” National Guard to re-enlist; years later takes money back. Never again!

IRS hires bill collectors: "Encouraging federal agencies to robocall individuals only creates confusion that scammers will inevitably exploit to rip people off."

Where have all the jobs gone?

Twitter layoff “hundreds” of workers—8% of workforce.

Who owns your account now?

Time Warner to AT&T

Reynolds American to British American Tobacco

Scottrade to TD Ameritrade

Genworth Financial GE long-term care and mortgage insurance to China Oceanwide Holdings

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alert

Avoid the taxes The Tax-Credit Class don't pay

Use your Tax Credits to avoid income taxes like Trump

Most of us receive only 4% of federal tax breaks like food stamps and Earned Income Credit if you are poor or the property tax and mortgage credit if you are middle class.

The Tax-Credit class pays less income tax with capital gains and dividends because it is “unearned.” So if you actually work; you are taxed MORE. For instance, Warren Buffett pays 17% on earnings while we pay 33% total tax. The tax-credit class pays NOTHING on assets they got from a “rich uncle” and on their home when they sell. Most of us don’t “itemize” so we lose all kinds of tax credits. We pay 33% of income for many taxes. We are nickel and dimed for 97 kinds of taxes. The Tax-Credit class deducts medical expenses, job hunting and work expenses not reimbursed by others, deferred compensation (bonus and stock portfolio worth more later), investment loans and costs, investment losses, stuff they lose, stuff they own. They can eliminate income tax by listing losses from buildings, race horses, farms, oil, leasing and businesses they own as partners, LLCs, C and S corps. Trump actually deducted $916 million but most of it was other people’s money. Some bank debt was cancelled which normally is taxable but not after RE lobbyists got Congress to change rules in 1993. Trump is tax-FREE for 18 years.

Use your Tax-Credits too: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO-tax/dp/1539462382

2016 election has shown America’s Socialism for the Rich

If we have learned anything during this election, it is that if you are rich you can get away with anything: 1. Sexual assault on women. 2. Not paying taxes. 3. The Truth is whatever you say it is—just keep saying it. 4. Use tax laws to defraud investors and working people. 5. Wall Street has no political party—follow the money. There seems to be no limit for The Don’s contempt for society; for us. Remember at the beginning he said: “I can shoot somebody on 5^th Ave and wouldn’t lose voters.” Now I believe him. Whatever sickness he has, it seems that when you are powerful economically, you can do anything as a business person. There are no moral bounds. It’s the New York construction industry dressed up nice. If you fancy yourself as winner with women, you tell a 10 year old you will soon date her. You buy a “beauty” pageant so you can go into the locker room to watch contestants dress. If you fancy yourself as a great businessman, you can lose $1 billion on your deals and use bankruptcy to stiff workers and investors and brag about not paying your fair share. If you are a political person you never give up saying whatever gets you power and votes. As working Americans, we pay for this dishonesty and sexual exploitation one way or another. There is only one thing we can do.

Avoid paying their income taxes:

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

Wealthy use Shadow Banking to raise cash, buy assets and avoid tax

Christie’s and Sotherby’s are banks when the price is right. The wealthy can use art they own as collateral for more art or cash. The wealthy avoid the strict Bank Security Act for a 6% loan. “I never looked at a financial statement or a tax return to make a loan,” said one art dealer. Much of the money Sotheby’s uses to make loans come from the credit facility financed by a syndicate of large banks. The weighted average cost of the funds to Sotheby’s was 2.9 percent in 2014 and 2015, filings show. Can you get a bank loan for 2.9%? No, so we are subsidizing this activity with our FDIC banks. Buyers can use a tax shelter in the Bahamas to avoid sales tax. They can then sell or loan the art for cash if needed. This is helpful to folks who may be wanted by their government for draining accounts or end up with stolen art and need “pocket” money.

You can create your own tax-sheltered ‘bank’: https://www.amazon.com/Tax-FREE-Wealth-How-laws-free/dp/1475089236

Feds think cost of living in America went up just 0.3%

Gas and rents advanced over 2% for most of us. Social Security beneficiaries will receive a paltry 0.3% cost-of-living adjustment in 2017, the government said. It means the average retired beneficiary’s check will rise about $5 to $1,360 per month in 2017. Hillary and The Don plan to keep current benefits and cut fraud. Hill says “My Social Security contribution will go up, as will Donald’s ― assuming he can’t figure out how to get out of it.” She’s considering raising the cap ($118,500) on earnings taxed for Social Security. If you earn more, you pay nothing. Unfortunately, the wealthy like Trump and Clinton do not pay FICA because the have little or no “earned” income to tax. Trump earned $6,108—Clinton earned $100. Their cash comes from asset dividends, gains, rents interest, royalties, business and “other” income. We pay their taxes—33% vs 17%.

Offset the real prices with tax-FREE income: https://www.amazon.com/Tax-FREE-Income-000-tax-free/dp/1477472584

Trump says election is rigged and here is how GOP does it

1. GOP has IN state police stop voter registration group in minority community

One week before IN deadline to register to vote, state police raided the Indianapolis office of the Indiana Voter Registration Project, seizing computers, cellphones and records. The state police launched an investigation after GOP elections officials in Hendricks County said some voter applications seemed amiss. An estimated 45,000 people, most of them African Americans, might not be able to vote on Nov. 8 if investigators put a hold on applications collected by the group during its investigation. Pence made reference to the police investigation during a campaign stop in Iowa on Tuesday. The Indiana State Police then announced that the investigation had expanded from nine to 56 of the state's 92 counties.

2. We can’t vote if our names are deleted from the registration lists. FL has deleted any name that resembles list of convicts or dead people. There was no verification so if your name was john smith and a convict was named john smith, you were removed. FL firm told to match last name and delete even if only 80% close to the spelling. FL has a history of suppression. GOP eliminates thousands of voters mostly Dems from rolls.

3. In 2016, 14 states will have new voting restrictions in place for the first time in a presidential election. The new laws range from strict photo ID requirements to early voting cutbacks to registration restrictions. Those 14 states are: Alabama, Arizona, Indiana, Kansas, Mississippi, Nebraska, New Hampshire, Ohio, Rhode Island, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. Circuit Court in Raleigh declares NC law restricting blacks is unconstitutional. GOP keeps trying to cut Dems out. 

4. OH GOP officials are going to destroy ballots with no ZIP code or writing not in BLOCK lettering and other simple errors. An appeal was denied by a judge who is married to the GOP House Speaker William G. Batchelder. The period in which voters are allowed to fix the form was cut from 10 to 7 days, and elections workers were even barred from helping voters with the forms.

5. Donald Trump said Friday that agents have been told to allow immigrants into the United States illegally "so they can vote in the election." But he offered no evidence to support his most recent claim that presidential voting may be tainted by fraud.

6. Donald Trump asked his PA supporters (mostly white) to go to minority polls and “watch” the voters in “certain areas” because “bad things happen” there and he does not want a large black turnout. Donald Trump urged his supporters to “watch” others at the voting booths, while also asserting that the election is “rigged.” GOP in VA urges voters to take their guns to polling places.  Wow!

Civil rights groups say they plan to deploy thousands of volunteers at voting booths in 27 states to ensure that voters will not be turned away by harassment, long lines or confusing rules. Teams of lawyers will file legal challenges if necessary.

Reality TV or ‘debate’ I can’t watch—like Jerry Springer show?

Which liar will win American’s vote?

Neither can re-create jobs of the good old days!  We don’t see either one as President.

Do-Nothing Congress will decide US future by doing nothing for more 4 years.

           

Trump Network: Don’s son-in-law, Kushner, in talks to start Trump Network Nov 9

Don:    NY Controller says I never gave to 9/11 charity as I boasted. They all ‘lie.’

            11^th liar says I touched her v***a at night club. She just wants ‘free publicity.’

            Why doesn’t the press look at the Wikki leaks of Clinton?

            “Election is fixed.” GOP Supremes decided prez when stopped vote count in 2000

            I think Hill needs drug test. “She was all pumped up at the beginning.”

            I won’t listen to our spies when they accuse Russia of stealing DNC emails.

            Junior: Becoming President Would Be ‘A Step Down’ For My Father

            3^rd debate highlight: “Such a nasty woman.” Clinton hit on not paying taxes!

            “I will totally accept election results if I win” Trump TV begins.

            “I have won” in the court of public attention—I’m already the greatest troll!

            “We have evidence the women are categorical liars but I can’t release it today.”

            McCarthy had “hidden evidence” too until one brave person called his bluff

           

            Nixon refused to show tax returns too and Congress finally got $500,000.

            Warren Buffett says he does NOT deduct biz losses against income, as I claimed.

            Putin ally says vote Trump or face nuclear war.

            Giuliani: Dems do voter fraud since they “control the inner cities.”

            Conway says she cannot believe Clinton is not winning by a bigger margin.

            GOP IN Vote Registrar: “my office is not sure why these records were changed”

“I can shoot somebody on 5^th Ave and wouldn’t lose voters.” Well, maybe U.S. women.

Mike:    “I don’t understand the basis of her [M. Obama] claim.” “He showed humility.”

            “I can’t release it today” “We have evidence the women are categorical liars.”

            “Don’t say that” to supporters who talk of overthrow of govt if Hill gets in.

            Putin Love: Half of Trump's supporters describe Russia as an ally or friend

           

Hill:    What does Bill’s women got to do with the election?

            My staff emails are clear: I want to win

            AZ Republic endorsed me and now getting death threats  patriotism over party

            Michelle Obama’s speech worth watching. May be the best of election.

Tim:    What can I say they have not already said? It is shocking. Refuse to accept vote?

Trump “reminds me a lot of early Mussolini” Conservative legal scholar John Yoo said.

Dictators who vowed and did put their political opponents in jail or worse

“The Only Thing Necessary for the Triumph of Evil is that Good Men Do Nothing”

Every successful civilization has died from the inside not from attack.

This election looks like 1964 LBJ over Goldwater

DeNiro on Trump’s America

How the party of Lincoln became the party of Trump—conservative means go backward especially among “Christians” who now accept immoral acts in their public servants.

            Therefore by their fruits you shall know them. Matthew 7:20

Regulators are the only protection we have since we can’t sue anymore

            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill                requires impossible: every person in class action suffer “same type and scope of injury”)

               Supremes stop us from suing—State courts no longer available to sue corporations!

Former SEC Harvey Pitt said he’s sure Wells Fargo scam in brokerages and banks. Jail?

Cellphone kills 5 year old after VA reps avoid passing ban TWICE. Ignore research.

Fiat recalling 224,000 Jeep Wrangler SUVs the air bags may not inflate.

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

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 gun hidden. You and real criminals both have guns. Body cams make it harder to plant evidence and stage scene for TV crews. Police organization issued a formal apology for the historic mistreatment of minorities.

Hector Morejon killed on suspicion of trespassing in Long Beach. No Taser this time.

SCAMS: GOP cut taxes in KS to increase jobs and growth but now big mistake

$2 bottled water from your tap or polluted underground ‘spring’?

Ignoramus Award: Christie eliminates estate tax for wealthy by raising gas tax 23cents.

How our government wastes our money

Over $2.429 trillion for fed subsidies for energy, agribiz, etc etc. Solve SS, Medicare gap

Tax breaks for corporations total over $1 TRILLION, enough fix roads, SS and Medicare

$4 billion new Zumwalt warships are breaking down at alarming rates. Leaks. Gears. etc

Where have all the jobs gone?

Hewlett-Packard to cut over 3000 jobs

Boeing new plant in St Louis offers 700 jobs

Toyota hires 1,000 at new office under construction 2,000 temp in a Dallas suburb

GM takes jobs to Mexico quietly Ford gets heat but Labor costs are about a fifth of US

Ford shuts 4 plants—truck sales sour

WalMart tries treating employees better to boost sales—worked for Henry Ford

Drones replace claim adjusters in Matthews storm damage—speed checks homeowners.

Worldwide revenues for security-related hardware, software, and services will grow 8%.

Oak Ridge National Lab test turns carbon dioxide, a greenhouse gas, into ethanol. Wow!             Reverse engine combustion-co2+water+electric charge = ethylene ethanol.            

Who owns your account now?

LPL brokerage to _____________?

MetLife retiring Peanuts from its marketing. 

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Another billionaire tells us how NOT to pay taxes

Another billionaire explains how to avoid paying taxes

Oil and natural gas billionaire T. Boone Pickens said Tuesday that he hasn't paid federal taxes in the past three years, as he's used a tax loophole similar to one believed used by Donald Trump. "Only a fool gives the government money it doesn't have to," said billionaire Leon Cooperman, who made his billions through Goldman Sachs. Last week, the SEC charged Cooperman with insider trading, saying the investor and hedge fund manager had used non-public information from a corporate executive about an energy deal in 2010. Our “reps” in Congress are giving billionaires these tax loopholes so they can use their bad business deals to deduct money they didn’t even put into the deals. Most of us can’t afford lawyers to create dummy business losses like billionaire business people do. Now they say they resent being vilified for taking tax breaks on their bad business decisions. They think they are heroes for making donations (Trump does not actually give his own money. He uses Ebers’ money.)

Don’t be a "fool"—pay ZERO tax on your gains: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

Use your Tax Credits to avoid income taxes like Trump

Most of us receive only 4% of federal tax breaks like food stamps and Earned Income Credit if you are poor or the property tax and mortgage credit if you are middle class.

The Tax-Credit class pays less income tax with capital gains and dividends because it is “unearned.” So if you actually work; you are taxed MORE. For instance, Warren Buffett pays 17% on earnings while we pay 33% total tax. The tax-credit class pays NOTHING on assets they got from a “rich uncle” and on their home when they sell. Most of us don’t “itemize” so we lose all kinds of tax credits. The Tax-Credit class takes off medical expenses, job hunting expenses, and work expenses not reimbursed by others, deferred compensation (bonus and stock portfolio worth more later), investment costs, investment losses, stuff they lose, stuff they own. They can eliminate income tax by listing losses from buildings, race horses, farms, oil, leasing and businesses they own as partners, LLCs, C and S corps. Trump actually deducted $916 million but most of it was other people’s money. Some bank debt was cancelled which normally is taxable but not after RE lobbyists got Congress to change rules in 1993. Trump is tax-FREE for 18 years.

Use your Tax-Credits too: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

We could easily pay for all Social Security benefits and Medicare coverage for all
Our reps decide to give The Tax-Credit Class special breaks we can’t use. By eliminating these entitlement programs for the 1 percent and multinational corporations America could afford SS benefits and health insurance for all. Here are 10 Congressional programs that create Socialism for the Rich and the amount we pay in taxes for them:

1. TAX BREAKS FOR OBSCENE CEO BONUSES ($7 BILLION/YEAR) They still get $ millions salary.

2. TAX CUTS FOR LUXURY CORPORATE JETS ($300 MILLION/YEAR) We pay for their rides.

3. BIG OIL SUBSIDIES ($37.5 BILLION/YEAR) We no longer import oil or need to find more oil here.

4. PHARMACEUTICAL SUBSIDIES ($270 BILLION/YEAR) GOP Bush II gave them price guarantee!

5. CAPITAL GAINS TAX BREAKS ($51 BILLION/YEAR) Rich pay 17%: we pay 33% total taxes.

6. CORPORATE TAX SUBSIDIES FROM STATE/LOCAL GOVERNMENTS ($80.4 BILLION/YEAR)

7. HANDOUTS TO BIG AG ($18 BILLION/YEAR) Family farmers were bought out long ago; now wind.

8. WELFARE FOR WALL STREET ($83 BILLION/YEAR) Fed guarantee interest rate makes big bigger.

9. EXPORT-IMPORT BANK SUBSIDIES ($112 BILLION) Boeing GE guaranteed profit on sales.

10. FEDERAL CONTRACTS FOR THE TOP 200 COMPANIES ($880 BILLION/YEAR) No risk biz.

Congress has made the tax laws that create America’s Socialism for the Rich. Congress people who want to cut SS benefits and Medicare are playing politics. America could afford to provide what we were promised but we don’t have lobbyists for a payoff.

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

Is a reverse mortgage right for you?

Financial sales people provide many positive details about this mortgage—a debt that you don’t pay back until you die—but it is a costly transaction all the same. Some observers say: A lot of clients still resist the idea of a debt. You lose the feeling of independence. A borrower answers to a bank system. Using a reverse mortgage to keep your investment portfolio may help you but as debt it must be managed. Your advisor is not doing you a favor if they don’t explain the debt load for years and the real costs. Remember, if you already paid off a mortgage of $250,000 over 30 years, you gave up a total of $539,595.47 plus the total set up cost of $5-10,000. Since mortgage interest is deductible, a HELOC may help now. It is cheaper and you are still in control.

Consider all your options for retirement income: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

GOP will discard ballots with simple errors to support The Don

OH GOP officials are going to destroy ballots with no ZIP code or writing not in BLOCK lettering and other simple errors. An appeal was denied by a judge who is married to the GOP House Speaker William G. Batchelder. The period in which voters are allowed to fix the form was cut from 10 to 7 days, and elections workers were even barred from helping voters with the forms. Anything to suppress the Dem vote. Even Ryan’s home county considering Hill. NH GOP Sen. Kelly Ayotte says she is dropping her support for The Don. Carly Fiorina, Mike Crapo of Idaho, Sen. Mike Lee of Utah, Rep. Barbara Comstock, Martha Roby of Alabama say Donald Trump should step aside. Many states do not allow write-in candidates for president. Some GOP will go down with the ship. Others are burning up $45.8 million so far. Supremes decided to allow wealthy to decide vote. Only $7.1 million spent by the candidates themselves. OpenSecrets.org. In Nevada, labor unions and George Soros are up against Sheldon Adelson and gambling $.

GOP head Ryan says he is repulsed by The Don’s comments but … not enough yet.

Is investment portfolio “rebalancing” a smart strategy?

Wall Street advisors recommend this periodic selling and buying to keep your risk/reward balance of stocks and bonds where you want it to be during your accumulation period. However, tests over a long time period show that it may reduce your total accumulations. It may reduce your accumulation because you must pay for transactions and because you may miss a stock market’s boom. Rebalancing tends to reduce your portfolio’s volatility (a standard deviation of 14.4% with none versus 12% for the annually rebalanced portfolio). However if you have 15 or more years before retirement, your reward for a Buffett buy and hold strategy is 9% vs 8.5%. Over time, this means $613,805.95 vs $546,116.39 from 250 a month for 33 years of accumulations. If you use the dollar cost average strategy, you are already reducing volatility by buying fewer shares when they cost more and more when less. In retirement you will shift to lower risk and returns anyway to protect your gains.

Use strong diversification instead: https://www.amazon.com/Dont-Re-balance-Your-Portfolio-Research/dp/1508802386

Best 2016 Sedans under $25,000

Kia tops Accord and Camry on this list of 2016. Camry consistently holds its value after 3 years over many studies. Most will make it to 100,000 miles but are not the best deals for your money. JD Power dependability study asks owners after 3 years. Malibu and Sonata top rated. 

GOP religion excludes immigrants from marriage too

LA GOP religionists have effectively made it illegal for thousands of refugees to get married. Any foreign-born person wanting to get married in Louisiana must produce both an unexpired visa (even though a federal court has ruled that marriage licenses cannot be denied based on immigration status), as well as, somewhat inexplicably, a birth certificate. Many immigrants can’t produce birth certificates since none were ever issued where they were born. Indeed, many people born in LA have no certificate since they were born at home. Louisiana ‘Family’ Forum, which sponsored the law, claimed to be a voice for “traditional families” — a category that, in 2016, apparently no longer includes immigrants. Yet ‘traditional’ families married with no cert for thousands of years. America was built on toleration not exclusion. Let’s be tolerant of others.

GOP religionists fail Christian tenant: “I was a stranger, and you took me in” Matt 25:35

Is credit monitoring service $110 right for you?

The internet has made everyone concerned about ID theft and worse—scams that rob you of your sense of security. Many firms like LifeLock are profiting from these fears. Many firms charge over $110 a year to claim they protect you. Actually no firm can protect you (stop a thief from stealing your ID or bank account). Professionals with the help of their governments do crimes all day so if they can break into the government files they can easily take yours if they want it. Notification is key to limiting damage. CreditKarma.com and CreditSesame.com will watch one credit file for irregularities for FREE. You can  check your other files at https://www.annualcreditreport.com/requestReport/landingPage.action

Also go through every credit and bank statement you receive. We recently found bogus bank charges for Uber service we never used. Our bank reversed and gave new card.

Reality TV or ‘debate’ I can’t watch—Jerry Springer show?

Which liar will win American’s vote?

Neither can re-create jobs of the good old days!  I don’t see either one as President.

Do-Nothing Congress decides US future by doing nothing for more 4 years.

                                               

Don:    “Grab them by the p---y. You can do anything.” “For record, you never did that?”

            “I have not [grabbed P*y].” “His hands were everywhere.” 1 woman says. Now 5.

            It’s locker room talk—and still, conservative religionist cling to me as Savior?

            “Certainly has been an interesting 24 hours!” Ryan, McConnell still OK with it

            “Lecherous and worthless” James MacDonald quits Don’s religious council

            Hill, “you’d be in jail” by my special prosecutor when I am elected.

            Arnold tells me “You’re fired.” He says can’t vote GOP bec/ he is American 1st.

            House GOP don’t understand why Ryan quits helping Don. Morally blind?

            Why do they trot out these 5 women with false claims?—I had only 4 for Bill.

            “I think it makes him a normal person,” son says of grabbing women’s p***y

            I am your savior, “taking the slings and arrows, gladly, for you”

           

            Nixon refused to show tax returns too and Congress finally got $500,000.

            Warren Buffett says he does NOT deduct biz losses against income, as I claimed.

            Putin ally says vote Trump or face nuclear war.

“I can shoot somebody on 5^th Ave and wouldn’t lose voters.” Well, maybe U.S. women.

Billy Bush: I have a “tape of Trump being a real dog.” It’s ‘wolf.’ The Bushes Blush. 

Mike:   I don’t like Don’s comments but we can still take power to shut government

            “I forgave” Don for his actions but I can’t forgive Hill for her actions.

            Don does not seek my advice on policy on Syria. The Don is The Don.

            I can see him tweeting to world leaders all night about grabbing p**** in WH.

            “Don’t say that,” to supporter who plans to overthrow govnmt if Hill gets in.

           

Hill:    Conservatives really hate me if they can still vote for The Don. Moral values?

            I told Wall Street they should fix their problems bec/ they know how and why.

            My husband’s women have nothing to do with election.

            The Don says he will have his justice department come after me.

            But The Don said he has given up on the GOP—“unshackled me” to lose myself.

Buffett: I am under audit and have released my returns so The Don has political reason.

Tim:    Check the facts Mike: The Don is not really Prez material.

            Are the Russian hackers really working with The Don or just curry favor?

McConnell: “We’ll drop him like a hot rock,” Feb forecast of The Don nominee.

Ryan:   I just won’t appear with him to avoid being tainted by his ‘grabbing’ privates.

Bachmann: GOP House behind The Don—“masterful performance in the second debate."

Reaganites Opposing Trump. The god’s worshipers say The Don is no Ronald Reagan.

Trump “reminds me a lot of early Mussolini” Conservative legal scholar John Yoo said.

“The Only Thing Necessary for the Triumph of Evil is that Good Men Do Nothing”

Every successful civilization has died from the inside not from attack.

Regulators are the only protection we have since we can’t sue anymore

            “It is nearly impossible for one individual to take on a corporation with vast resources.” (GOP bill                requires impossible: every person in class action suffer “same type and scope of injury”)

               Supremes stop us from suing—State courts no longer available to sue corporations!

Number 1 killer: Kia Rio--149 Deaths Per Million Registered Vehicles: are you next?

Wells stole $2.6 mil and fined but Apollo stole $40.3 mil from your pension: no fine

Navy Federal Credit Union caught making threats debt collection to its service members

Comcast caught illegally billing customers for unwanted equipment and services

RBS bank barred from handling 401ks collusion and interest-rate manipulation.

Christie and Kelly talked about Bridge-gate before it happened, Kelly’s lawyer claims.

Christie rep asks cops to take blame for closure and then blames them anyway. New job?

Wells Fargo mgr filed complaint about illegal fee creation scheme in 2011—ignored  

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

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 gun hidden. You and real criminals both have guns. Body cams make it harder to plant evidence and stage scene for TV crews.

SCAMS: America’s election process—no issue debate; name-calling sex TV soap

Ignoramus Award: US guilty of war crimes selling arm to Saudis to kill Yemen funeral?

How our government wastes our money

Over $2.429 trillion for fed subsidies for energy, agribiz, etc etc. Solve SS, Medicare gap

Tax breaks for corporations total over $1 TRILLION, enough fix roads, SS and Medicare

Where have all the jobs gone?

AI deep-learning replaces radiologist—computer quicker “more accurately” than Dr.

Verizon has cut hundreds or even thousands of sales jobs in cell stores: market full?

Tesla doubles CA factory while Ford moves to Mexico for 2,800 low pay jobs

Wind turbine tech is the job projected to expand more than any other in 2014-2024.

Master’s Degree in Computer Science: $7,000 Georgia Tech Online

GM adds 650 jobs for more SUV in TN

Data engineering jobs at every company now—even small firms need IT today.

Who owns your account now?

LPL brokerage to _____________?

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