Advisors are trying to become psychologists

 

Some “financial” writers just don’t know

“6 Safe and Smart Investments for Retirees” is misleading and mostly wrong. There are no “safe” investments. Even the fixed rate bank CD is subject to loss of purchasing power. That means you can’t buy what you could have 5 years or even 1 year before. Same for “tax-free” municipal bonds since bonds might end up costing you money. Lending to an individual without some security can leave you with a big loss. Peer-to-peer lending is not without risks: the borrower could default. Annuities are touted as a “safe” investment. However, you can lose money since annuities have many costs and conditions. Insurers make sure they don’t lose even if you have an emergency withdrawal. Even government I bonds have risks. The core rates are low and you will be disappointed if inflation is flat. The costs associated with being a landlord of a rental property can include the human toll of constant aggravation from tenant demands. SS benefits include an inflation-adjusted monthly payment that is good for life and backed by the government. Waiting to age 70 to claim means benefits will be much greater for life. So, every one must decide on a balance between risk and reward. Retirees will need more money for a longer period so the risk of not having enough must be addressed by continuing to invest in a diversified portfolio including stock funds.

NO safe investments: https://www.amazon.com/Your-Retirement-Mutual-Funds-retirement/dp/1481114026

 

IRA: tax-FREE or tax-deductible?

Depending on where you are in your investing life, one or the other IRA is an appropriate source of retirement income. The “traditional” IRA lets you reduce your current income so you pay fewer taxes NOW. The “Roth” IRA lets you increase your retirement income by avoiding taxes then. Thus, you have a significant choice. Given your overall income level, you can reduce income taxes during your whole working life OR you can exclude federal and state income taxes later when you may need more income. This means that depending on how you invest your Roth investments, you could have a potentially greater nest egg to spend and never pay taxes on the withdrawals. In fact you can convert the money in your traditional tax-deferred account to a Roth at a later time when it may benefit you more. The IRA expert, Ed Slott, (IRAhelp.com) can explain why a Roth conversion is his No. 1 tax tip for this year. You may need to use his site to calculate which deal is better for you at your current stage of investing.

Choice: https://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

 

Save $1000: maintain your vehicles

Don’t ignore “check engine” light. Keep tires at correct pressure. Change oil and regular maintenance as your manual says not as your mechanic wants. Check your PCV valve, windshield cracks, fluid leaks when parked, and any unusual noises. Save more over your car’s lifetime buy shopping for insurance every 2 years. Insurers change their marketing plan every year and it is easy to $500 every time you shop. Major carriers will cut premiums if you are able to raise your deductible. Many have over 20 discounts your agent may not tell you about (commissions are a % of premiums). Bundling policies (including “Umbrella” cover) may or may not save total premium. I have had home insurance for 30 years and would lose money by combining with other policies.

Shopping saves: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634/

 

Advisors are trying to become psychologists

This advisor says people are asking: Can you help me define the next stage in my life? What’s going to be my purpose? What’s my “aspirational lifestyle”? And how does that guide my financial choices? Sounds like your therapist not your advisor. Almost all advisors have had no training in answering these questions. He thinks people are demanding humanistic advice of their financial counselor, and he thinks he as a wealth manager can use this need to grow his business. His firm partnered with Columbia University to develop an advisor training program that is based on providing a more holistic, “purpose-driven” approach to planning. It’s been incredibly popular with both advisors and clients he claims. This advisor thinks advisors need to help clients “envision their aspirational lifestyle in their next life chapter.” He says people want more financial stability in retirement. This “stability” is usually interpreted by sellers to mean annuity needed. This writer actually works for an annuity company so his remarks support the push for high-commission/fee annuity sales. And most advisors are focused on revenue growth for their firms. In fact, 72% new advisors quit as most of the training programs are very sales-based. Wall Street wants revenue not therapists.

Large nest egg is ‘stable’: https://www.amazon.com/Financial-Future-Insurance-mutual-funds/dp/149355204X/

 

 

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

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

Parallels of this era in the past may hint at our future: democracy breaks apart legally

 

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

Billionaires paid $881 million for votes in 2022 midterm elections

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

Jan 6 2021 Direct govt overthrow failed: guns & bombs ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

“I don’t f—ing care that they have weapons”

 

Trump was “detached from reality”

 

Trump used mafia-style intimidation on the defenseless

 

Trump still terrorizing election woman

 

Parscale: “a sitting president asking for civil war.”

 

Trump: “Just say the election was corrupt and leave the rest to me” 

 

GOP fascism: “RINO hunt armed; no bagging limit” J6 comm threat

 

January 6, 2021 “A date which will live in infamy”

 

Trump’s Supremes END personal rights & state laws except for weapons WMDs

 

Fascism: GOP to stop women leaving state for abortion

 

It’s not a court. It’s a junta: Two Americas

 

Trump: President Biden is 'enemy of the state'

 

Christian Nationalist Party (CNP) replaces GOP

 

Nov 8 2022 Trump’s “national revolution” failed

 

Nov 15 2022 Trump announces for 2024 to avoid lawsuits

 

Dec 3 2022 Trump: cancel Constitution rules so ‘I win’

 

Mar 11 2023 Pence straddles his place in history

 

Mar 31 2023 Trump indicted misusing election money

 

Apr 7 2023 One GOP guy decided which drugs we can use

 

Apr 9 Illustrated Anne Frank book removed by Florida school

 

Apr 21 Trump: “I am your justice”

 

May 9 Trump guilty of sexual abuse

 

Jun 8 Trump indicted by the United States of America

Violation of the Espionage Act

Conspiracy to obstruct justice

Making false statements 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Rich get rich: lower tax rates; higher income from assets; NOT taxable income

Feds give away $200 Billion to fraud Covid fakers: at least 17% of funds lost

 

SCAMS/SPINS:

43 states passed 100 anti-voting laws since Trump attempted to overturn the 2020

Supremes kill GOP move decide our elections: saves marginal Dem voters

Study: when the candidate field is crowded, voters are more likely to sit out than turnout.

 

6 shot outside of a club in Houston: shooter escaped

 

72% new advisors quit as most of the training programs are still very sales-based

Imposter scams: fake authority figures scare us into paying $ billions

Recall: 7.5 million Baby Shark bath toys cut or stabbed children

FL ‘freedom’ gov. bans all direct car sales: protects high-cost dealers from competition

 

Business man lost $340,000 to a crypto scam. Such cases are on the rise

Moving Company Scams: no licenses OK—steal our goods; AG can’t do a thing

Army allows its financial advisors to exploit Army families/survivors: wild trading

 

ACI Worldwide caught improperly initiating unlawful mortgage payment transactions

Insurers deny tens of millions of claims every year but we don’t get stats: why, how, who

Sending money using Zelle^® /payment platforms to those you don’t know is dangerous

Ray Brewer caught stole 9 million claimed turn cow manure into green energy 6 yrs jail

Shvartsmans, Garelick caught $22 million insider trading on Trump’s firm going public

Wilson Baston NY caught stole $10 million real estate scams: convicted 2^nd time

 

Where do Congress people go for abortion if own state outlawed it?

 

GOP to rewrite history: House to expunge Trump impeachments: dictator’s clean slate

Trump’s Supremes change our lives: college, student loans, religion, speech, LGBTQ

Trump’s Supremes: colleges go back to “old boy network” for new students: $$ win spot

Trump Supremes strengthens protections for religious rights at work: religion for politics

Trump’s Supremes:  “harassing posts” on media are protected as free speech

Trump’s Supremes: use religion to discriminate against anyone you don’t like

Trump’s Supremes: even unemployed students must pay $400 billion in loans

 

Trump delays paying sexual abuse victim Carroll by suing her for ‘defamation’

 

Jobs

Military AI technology to spy on civilians, particularly in the workplace, sold to owners.

Working from anywhere: nomad visa right for you?

Chip maker TSMC hires 4,500 in AZ: culture barriers

 

Who owns your account now?

In Europe’s empty churches, prayer and confessions make way for drinking and dancing

Best fixed income products: compare T bills, TIPS, annuity

Home insurers don’t like these dogs: liability increases premium or cancels

 

Farmers and AIG quit insuring FL homeowners

Getting an FHA home loan: check if it fits your needs

Jersey City is now the nation’s second-priciest rental market: $3370: 2^nd to Manhattan

 

Changing landscape of wealthy folks allocations to real estate

Fastest-growing demographic groups

44% voters to consider third-party/independent candidate if Biden-Trump are nominees

DeSantis to close IRS, Commerce, Energy, Education

 

Top Robo-Advisors Ranked From Worst to Best

 

 

Miracles:

Scientists Say They’ve Reached ‘Turning Point’ in Cancer Research With Vaccines

Drug in trials helped people lose 24% body weight or about 58 pounds: no more diets

Diabetes metformin protects against long-Covid

 

Intermittent fasting is as effective as counting calories:

Study: AI predicts pancreatic cancer risk based on patient’s medical records. 

Popular steroids could mess up some cancer treatments

 

 

 

 

 

 

@

 

Our Universe is Mind-Blowing

Light is both a particle and a wave depending on how we look at the light.

I don’t think that there is any such thing as a position or a velocity of a particle.

Everything (galaxies to stones) in universe made of subatomic energy ‘vibrations’

A subatomic ‘particle’ is the smallest possible vibration (quantum) of a quantum field.

 

Mass–energy equivalence: E=mc^2.  At the smallest level; Everything is moving

Energy into matter: scientists converted light energy directly into matter in one step

In place of atomic lattice, light waves used to create an optical lattice with same geometry

Physics Nobel Prize: “entanglement” 2 particles share info instantly at a distance

Quantum mechanics violates local realism: two objects behave as single system at distance

 

“It may be that gravity and quantum mechanics are exactly the same thing,” Leonard Susskind

Gravity might induce the collapse of quantum vibrations into 1 quantum state—our world

Strange state of physics that allows energy to flow frictionlessly through a material. 

Bending light from extreme gravity reveals largest black hole so far

Curved SpaceTime: heavy masses and simultaneously quantum effects become visible

There is no TIME at this level because of force fields come and go in all directions. 

Universe expanding: events may not come together like they did before: created our time.

Our planetary system: rarest system: only 1% of all systems with same number of planets

 

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

Gold made from neutron stars: collisions produce more neutrons:79 protons,118 neutrons

The proton is so complicated science still finds new energy entities/forces every year.

 

“Empty space is a boiling, bubbling brew of virtual particles that pop in and out of existence in a time scale so short that you can’t even measure them.” Space expanding.

The electricity we use comes from the field around the wire not from electron itself.

Scientists build 'baby' wormhole as sci-fi moves closer to fact: inside quantum computer

starts-with-a-bang/universe-expansion-not-accelerating/

Physicists knew black holes eventually disappear particle by particle. Now they think everything else does, too

 

 

 

@

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

973.746.2014

http://www.theinsidersguides.com/

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

 

 

Perfect time to convert part of your IRA to a Roth IRA

Is putting off retirement right for you?

A quarter of Baby Boomers plan to postpone their retirement. The virus pandemic has changed a lot of lives and plans. If you start Social Security benefits you cannot go back. Previously this was allowed. This makes your decision all the more important. Many will wait because they do not wish to begin taking retirement money from an IRA or pension now. Studies have shown that doing so can hurt you in later years if you have a big reduction in your nest egg immediately. If you have 30 years in retirement, you don’t want to begin with a bad 1^st year. Also, this is one of the worst times to buy an annuity since future benefits are calculated on the current very low interest rate. You could only receive $437 a month for life in return for your $100,000 if you were male age 60. On the other hand, if you had to retire due to job shut down, you could receive $896 a month for 10 years in the hope you would be better situated later. Delaying SS benefits to age 70 provides a much larger monthly income: $3,790 maximum for someone who files at age 70 compared to $2,265 maximum for someone who files at age 62. Maximum benefits require higher incomes for your final 35 years of work. The average benefit is $1,503. Also remember taxes are due on up to 85% of SS benefits if your total income is higher unless you have tax-FREE Roth IRA income.

Create tax-FREE income: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

With the virus passing 4 million, what can you do to save your nest egg?

If there's anything you should expect out of 2020, it's volatility and unpleasant surprises. Most people are checking their account more often and that is a recipe for disaster. Panic selling is what happened in 2007-8. The stock market fell 37%. Some investors think they can avoid the market drop by selling. But your advisor doesn’t know when the market will come back as in 2009-10 with 27% and 15% growth. We can’t control the virus or the market so we must focus on our nest egg end time. A stock market index fund is the only asset class that has proven 11% returns over time. Wealthy investors in hedge funds etc have a really bad record of losses. They can afford to take a chance on alternative assets; we can’t. Warren Buffett, one of the most successful investors, says holding a low-cost stock index fund so we take advantage of compounding earnings is the best way to protect our nest egg, rain or shine. Costs are all we can control.

https://www.amazon.com/MasterClass-Buffetts-SIMPLE-Strategy/dp/1983485268

Is buying the ‘hot’ fund now right for you?

Advisors and young investors try to pick the ETF funds that are rising or will rise during the current conditions. They want to ride the wave to the top. Problem is: momentum trading does not work. Over time, picking the hot security usually results in disappointment. Why? No trend lasts for long. With index funds of all types, the past trends have been changed—watered down. Be wary: past performance is no guarantee of the future; only the hype. The owners of Wall Street firms are great at the hype. What else do they have? They don’t have a predictable product nor a person who has golden hands nor a crystal ball nor a way to control the underlying factors nor a magic wand. All they have to make the sale to you is the B.S., the “story” as my firm’s FCs used to call it.

Ride the market: https://www.amazon.com/You-Beat-Wall-Street-professionals/dp/1986031373

Why are target-date funds so popular?

Short answer: they use the three best investment strategies available to working people. First, they are usually low cost. This means that over time, you don’t give up over 60% of  your earnings to sellers. Second, they use compounding—the miracle of compounding—earning money on money by itself. Third, they usually hold index funds which can provide 11% earnings from many profitable companies—you are diversified. The added bonus is that as you get closer to retirement, your assets and contributions become less volatile—from 90% stock to 30% stock balance. Unless you are wealthy enough to loose 1/3 of your wealth in a derivative or leveraged hedge fund, this one fund decision is all you need to be a successful investor. It just takes time. Warren Buffett recommends it.

https://www.amazon.com/Millionaire-Mutual-Funds-Save-taxes/dp/1534939490

Perfect time to convert part of your IRA to a Roth IRA

If your income and thus taxes will be lower during this pandemic, converting taxable future income to tax-FREE future income may make sense now. If you are over age 59 ½, you can take out IRA money with no penalty—just extra taxes—at lower rates than future years. If your income and tax burden allow it, taking any amount--$10,000, $20,000 even $30,000 from your future retirement account is a smart move now since all the earnings in the future will be tax-FREE. Even if you are in retirement now when you do NOT have to take your 2020 RMD—forced IRA distributions—your tax liability will be less this year so you can afford to take and pay tax on a chunk of your IRA. Because the stock market is still positive, you can convert your stock IRA money to future positive income with no tax in the future. Many advisors see higher taxes in the future (to pay for the Trump tax cuts to the wealthy and virus expenses). You benefit two ways: take advantage of lower current taxes and avoid paying the increase later. You will pay less tax later as you take out smaller traditional IRA distributions AND your future taxable income will be less. Roth IRA balances can accumulate for your whole life without distributions or tax payments. You may be able to avoid income tax on your Social Security benefits too.

https://www.amazon.com/How-Retire-Tax-FREE-Income-increases/dp/1484156951

How the super wealthy—$100 billion—avoid income tax

Zuckerberg’s net worth just passed $100 billion. Can you write $1,000,000,000 one hundred times? He joins Jeff Bezos and Bill Gates in the clouds. Zuckerberg’s net worth is largely derived from his 13% stake in Facebook. Since these guys and other uber gelt holders do not have to take a salary, they have no taxable income. Think of that! Like the old Robber Baron times, they can sit in their home offices and clip coupons/dividends. Yes it is possible to pay no taxes. Our president claimed that he pays no income taxes too. However, we know he owes a lot so that may be how the wealthy buy things—they live on loans. So Zuck, Jeff, Bill and Don can just text their bank and get a loan every year to pay for maintaining their lifestyles. You don’t pay income taxes on a loan. They also don’t pay for the public services they use—airports, roads, courts, army navy air force. We pay for those on their behalf. Because their companies pay for most of their ‘overhead’ private planes, health insurance, gym, body guards, meals, etc, they don’t need to pay much “out-of-pocket” expense either. We pay for that when we buy stuff.

What a life: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO-taxes/dp/1539462382

**********ACCOUNTABILITY**************

Like 1776, this period is a test of democracy—do we really want ‘low-IQ’ Mobster?

Philly DA: we have an “authoritarian dictator."

Dictator: Supremes picked to delay/overturn election like Hong Kong

Dictator: no press at GOP meeting

How Govt wastes our money: Congress gives 3.7 Trillion to the wealthy! 

Trump’s DHS secret police compile secret files on journalists, reporters like Russian KGB

Supremes let Trump take money needed by military to build his WALL: contractor win $millions

Census not counting all as per Constitution: est. 37% not counted, Dems lose Congress seats?

Congress takes vacation all August while we wait for help with virus keeping us from working

$419 millions relief money went to subsidiaries of foreign firms: Trump’s PPP watchdog fired

Trump’s promised health care plan is dead: millions lose employer coverage in July

Trump tax reform benefits wealthy who hold foreign assets over US assets: we pay their taxes.

Eviction, loss of relief $600, job not re-open, virus threat, school?: government fails many.

Testing slows as deaths rise in hard hit states: will schools test every child before spread?

How the “swamp” works under Trump: DHS head gives contracts to his former lobbying clients

SCAMS/SPINS:

Trump’s new voter suppression strategy: delay mail-in ballots so invalid, not counted

Virus is making medical firms wealthy: $175 test? Plus add-ons $2,479. Medicare for all!

HALF kids at GA camp infected, most positive virus tests were 6 - 10 year olds. School?

TX does not count positive virus tests: rapid-result tests ignored: Thousands spread virus

Trump voters believe Trump handled virus pandemic ‘well’: 160,000+ dead so far!

Trumpers threaten Fauci, his family because he gives respected scientific info not B.S.

One man not sick infects 91 +: it is called pandemic for a reason: symptoms in 10 days

Trump in cognitive dissonance: changes to favor mail-in ballots: last week--against it!

Trump: Biden opposes God, Bible, religion, guns, energy, rights, everything American?

Will US election be decided by foreign influence? Adverts, fake news, bribes, hackers?

Kanye West schill for Trump to get votes from Biden: GOP paying to help West in CO.

Consumer defense agency became consumer exploitation agency: loan interest to 500%

Consumer products shrink so we get less for same price: they think we don’t notice

Brian Scroggs, VCS, Transfer Group, Real Travel failed timeshare relief: kept payments

Netflix phishing scam: steal credit card info by tricking you into updating your account.

Gov agency scam: caller ID, agent number, military romance ask for money to get grant

Victor Lee Farias Integrity Aviation stole $14 million Ponzi engine parts leasing scam

Is it a scam?  Check AARP scamline 877.908.3360. Check IRS: https://www.irs.gov/newsroom/dirty-dozen-part-1-taxpayers-should-be-on-the-lookout-for-these-scams

https://www.irs.gov/newsroom/dirty-dozen-part-2-thieves-work-all-year-to-scam-taxpayers

Jobs

Materials Handler US Treasury Philadelphia, PA $22.10 an hour https://www.indeed.com

Immigrants constitute 40 percent of home-buyers and help create new jobs.

Who owns your account now?

Check your Social Security statement for correct earnings: it determines your later benefits

Best Cars for Teens Under $20,000: CR picks safe, reliable used cars and SUVs insurable.

Best appliance brands: CR Appliance Brand Reliability Rankings: no “get what you pay for”

States Pull Back On Pension Payments: state budgets don’t allow pension build up now

Miracle:

White cop not charged in Michael Brown’s killing: shot 6 times but “no proof”?

Wisconsin governor orders masks statewide amid virus surge despite GOP objections

Billionaire pays off student loans: continues family tradition of giving

Flu, pneumonia vaccines could lower risk for Alzheimer’s 

Missouri approves Medicaid for ½ million despite 10 years GOP votes against it

Virus tests (quick version) are NOT accurate: OH gov negative then pos then neg.

No-Mask school halls: perfect infection atmosphere: almost like gov wants sickness

Germany doesn’t need us to stop Russia: We did not stop Russia in Crimea/Ukraine

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

Some Americans pay; others receive

Americans live in two separate and unequal worlds

And the bailouts reflect this. In early March, the Fed kept cash flowing -- and limited losses for some billion-dollar hedge funds that made wrong-way bets with borrowed money. For some, what could be called the Fed’s triumph of efficiency could also be interpreted as rewarding rich gamblers. Neighborhood business owners, many of whom did the right thing by closing their doors to help stop the spread of the virus, have had to white-knuckle it for weeks. Some of the 1.7 million applicants approved for PPP loans describe bureaucratic runarounds. Those like Robyn Shultz sweat it out, waiting for the Treasury Department to calm the confusion and for Congress’s additional resources to arrive. “I was told I was caller number 1,403, and it would be around a three-hour wait,” said one applicant. “I stayed on the line for several hours before it went dead. I never ended up connecting with anyone.” Many small businesses say they are angry that bigger companies have gotten PPP loans and they haven’t. On April 19, several small businesses filed a lawsuit in federal court in Los Angeles against four lenders -- Wells Fargo & Co., Bank of America Corp., JPMorgan Chase & Co. and US Bancorp -- accusing them of approving big loans first. Many big businesses have access to money but took PPP ‘loans’ because they are free. “I really have no faith,” Shultz said. “I have no faith in the system. In this government. In this leadership.” Again, it is socialism for the rich.

From have-not to haves: https://www.amazon.com/Americas-Socialism-Rich-little-people-pay/dp/1535218584

Investors opened IRAs at a record level in the first quarter

Millennials, the Fidelity report noted, accounted for a majority of the new IRAs, with contributions among that group increasing 41% over last year, while the amount they contributed increased 64%. Among female millennials, the number of IRAs increased 20% from a year earlier. Surprisingly, market swings did not hold investors back from moving money into their accounts. Hardship loans averaging $10,550 were up slightly before the virus hit on a mass scale. The CARES Act allows more flexible withdrawals so future rates will be higher. Investors did not make big changes to their portfolio asset allocations even with market downturns. Most investors seem to be “staying the course” as John Bogle Vanguard found used to advise. Impatience leads to losses.

Wisdom and patience: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

State revenues are negative

No sales tax and huge unemployment comp bills spells higher taxes or cuts in local services. Not enough tests, lack of personal protective equipment, 24 million newly unemployed, not enough ventilators, tens of thousands of shuttered business. Our GOP Senators have said they don’t want to help our states out. They are busy helping their friends in high places who will pay for their next election. Trump will give cash-rich oil companies direct access to our Treasury. That means our federal income taxes will go up to pay off the federal deficit. Some blue states have had to buy their own medical equipment at gouged prices. The feds have just come and taken it. Jared, Trump son-in-law says of the fed supplies:  “it's supposed to be our stockpile,” not the states.’ So with less coming in and more going out and the GOP advocating bankruptcy, we taxpayers will be asked to step up and pay more. Many wealthy people have already moved out of the states, so they won’t be paying their fair share. Don’t pay their taxes.

Tax-FREE retirement account: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

**********ACCOUNTABILITY**************

Like 1776, this period is a test of democracy—do we really want ‘low-IQ’ Mobster?

If it takes a village, the village idiot is in charge: “metrics up here” (his head)

Idiot declares: “We have the right to do whatever we want”

Idiot now says: My cure—light, heat, disinfectant—were just sarcasm!

Idiot’s disinfectant kills Americans: "I could kill and not lose voters" 

Idiot’s idiot; I don’t wear mask at clinic since “I don’t have virus”

Idiot: virus will “be eradicated” by November

Will the Supremes & Senate allow Trump to delay election?

A crisis brings out the worst in would-be dictators: Easy to end democracy

Idiot: I determine who sits in press room

How Govt wastes our money: Congress spends another 3.7 Trillion we don’t have! 

Trump to give cash-rich oil companies direct access to our Treasury: we pay the taxes

Trump tells post office to raise price for Amazon or lose $10 B: he hates Jeff’s Post.

Trump’s Agi buys crops it then destroys: Hey, Sonny, food pantries near empty

Did your state waste money on TrumpCure pills? He was just pumping up his stock.

LA Lakers take $4.6 Million in small biz money: millionaires don’t need $1200!

Gamblers get Fed bail out: We reward poor management: we pay their tax later.

SCAMS/SPINS:

Trump and Biden have conflict with China: China banks hold their loans = leverage

Trump tried his cures—shoots up ‘disinfectant’ and UV rays—lives: proof of devil?

Immunity? no evidence recovery prevents second C-19 infection we need national testing

Is it fake? Check the source, Google message wording, ask a real authority, ask your kids.

Trump watches too much TV: bogus cures, theories, fake news, non-science, nonsense, BS radio

They sent you money by ‘mistake’ scam: Never return free money without court order.

Trump’s lawyer to sue your state Gov if keeps you safe at home: Blue states, esp MI!

Too much crazy conspiracy even for Fox: 2 black women prez ‘advisors’ dumped

Did you get the Idiot’s letter? “Every citizen should take tremendous pride …”in me!

FL hiding the C-19 death toll: GOP stopped ME report actual deaths

C-19 insurance scams: some sort of COVID-19 coverage: it is fake coverage

Merrill Lynch, Eagle Strategies, Cozad Asset caught selling high-cost fund shares.

Tony Russell Joseph Batts Damien Askew Rudolph Sanders caught tax prep scam

Nathan Duane Oeming caught in child prostitution sting: defrocked

Our Reps use their position/power to make a killing on Wall Street

Jobs

Would a new New Deal infrastructure bill create more jobs quicker than relief checks?

Trump tweets all night; Biden sleeps: Joe, you need to counter with facts, just the facts!

Gym, ESPN, insurance, magazines, prepaids, event: collect all your refunds non-services

Unemployed may receive extra federal $600 IF employer fills out form.

Some employers continue benefits/coverage for laid off workers

Police stop cook from moving from train car to next by shooting him in the back?

Child abuse rising as home work life gets too intense

Who owns your account now?

Universal health care: Trump’s favorite Brit now swears by National Health Service

Some Americans would avoid health care even if had virus: fear costs: health bankruptcy

FamilyinTouch: ways to stay in touch with family friends business: costs/convenience

NJ gives property taxpayers 1 month grace: May 1 to June 1: take home after June 1.

Bank rip off: few banks pay 1.5% on your emergency cash: online: credit unions 1.8%

Miracle:

Saudis to stop flogging but will still cut you into little pieces when not looking

Navy admits mistake: Crozier goes back to USS Roosevelt after saving lives.

Dem’s Dream Team: Andrew-Michelle?

Trump promises NOT to do ‘news’ conference daily … weekly… monthly! Lied again

Sales sales sales: 60% off on some seasonal stuff: new rules may apply

Couples’ therapy for $99: life was hard enough before getting stuck at home.

Unemployed qualify for ObamaCare health plans: 60% of uninsured workers eligible.

Google Meet free with your account: stay in touch for free.

Drug helps virus victims get better quickly. Likely approved for use in certain settings

World tour without people: stay at home means some fantastic AP pics

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts