Our ‘Representatives’ let the rich pay less tax than we pay

 

Our ‘Representatives’ let the rich pay less tax than we pay

A married couple making $200,000 a year could end up paying higher tax rates than a person making $200 million a year. That is the conclusion we see from analyzing the 15 top income earners. Some pay nothing just like the most profitable corporations. Who makes the rules that make the American progressive tax system a lie? They are the people we elect who take campaign funds (bribes) from these same wealthy folks. As one of the wealthy admitted: "We don't pay taxes. Only the little people pay taxes." When our Reps create systems that help wealthy folks hide their income, the tax rules can’t be used. The rich have no earned  ‘income’ to tax. They hide their assets in legal entities that can’t be taxed by any method. Meanwhile working people pay about 32.9% total tax. We can’t avoid SS, Medicare, property, Fed and state income taxes. We can’t hide from taxes since we don’t have dummy corporations, trusts, oversees entities and many other legal tricks. For instance, Jeff Bezos with $177 BILLION net worth had so little ‘income’ in a couple of recent years that he was able to pay $0 in federal income taxes in those periods. Our Congress creates loopholes so the rich have NO income—so no taxes—and never get audited. For instance, they can live on a loan financed by their assets. Loan income isn’t taxed: a $ billion asset can produce $100 million a year. The IRS can’t even figure out their schemes. We live under “socialism for the rich.”  We pay for the airports, highways, sports teams, courts, police, military, subsidies they use. They pay little.

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

 

When to start taking your Social Security benefits?

Use this free calculator to maximize your benefits: https://opensocialsecurity.com/. There are a lot of issues in this decision for some people. SS benefits are usually taxable. For others like myself, I had to begin early because I could find no work in my career field. For others like my wife who was still working and building her final pension, the wait till age 70 was a way to increase her benefits to the maximum—about $1 million. Your situation is unique and this decision is worth between $500,000 to $1,000,000 in income over a lifetime. Get help using free sources, including a visit to your local SS office or pay a fee-only financial planner to help you calculate all your income sources and potential tax situations. A commission or paid-fee sales person may not provide the best unbiased advice. Always get a second opinion if a certain product is recommended.

https://www.amazon.com/Lets-Do-Numbers-Creating-Retirement/dp/1502775522

 

How much did you have to pay for Twitter?

Musk bought Twitter with loans instead of selling his stock. He paid no taxes by using his ownership of Tesla to get the loan. You and I would need to pay capital gains tax if we sold our new car to buy an older car. When people buy a car from him, you and I give Musk a $7,500 subsidy—total $7,021,290,000 on 936,172 sales in 2021. Despite selling all those cars, Tesla paid nothing in taxes on a record profit of $5.5 billion in 2021. You and I pay more taxes/national debt since Tesla paid nothing. Elon Musk's net worth has surpassed $300 billion but he pays taxes at a rate much lower than ours. Elon Musk paid less than $70,000 in federal income taxes between 2015 and 2017, and he did not pay anything in 2018, according to recent reports. But even though we helped Elon pay for another asset he owns, we will receive nothing except paying for his avoidance of taxes. We and our kids will pay for the subsidies over time as we pay off the national debt. When people sue Musk for his mistakes, we pay for his use of court and judges from the taxes we pay and he doesn’t. It is a great system for the wealthy and powerful.

Avoid paying the taxes he should pay: https://www.amazon.com/Tax-Shelter-Avoid-taxes/dp/1985448300

 

Tax-refund Millionaire-- https://www.irs.gov/refunds

Most people spend their tax refund—your refund could be a retirement nest egg

Michele had trouble saving. She seemed to always be waiting for her next paycheck. She never had enough to save for a rainy day like her Mom did. She used to make about $35,000 as a shop manager but with federal, social security, Medicare and state taxes, unemployment, disability, and health insurance, she was not able to put anything away for retirement. Years ago, her local tax preparer suggested she use her tax refund to create a retirement fund. Usually Michele would use her refund to pay bills or buy something special. The tax preparer said that if she agreed to start an IRA with $2,000 of her refund, she would be able to increase her refund—Uncle Sam would help her save. The amount she invested would reduce her income and make her refund larger. The $2,000 could grow over time, if she left it in stock mutual funds in her IRA account. Over time, it has grown large enough that she will have enough for retirement.

I will help you start in 1 hour: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

 

Which portfolio is the best for you now?
We are entering a time of high inflation and higher interest rates. What your advisor should be emphasizing now is a broadly diversified portfolio. Some advisors are pushing crypto for retirement even thought crypto is a speculative asset. Crypto may sell TV time but beware the dangers. Stocks are necessary because they are the most likely to overcome inflation in the long run. When interest rates are rising, fixed rate bonds are going to decrease in value. The bonds you can buy today will provide less interest in the future so few will want them and they will be reduced in price. When you compare the potential value of commercial real estate, you will hold on to your REITs. Commodities have been on a wild run recently with the Vanguard Index hitting 56% for 1 year. This fund represents a potential hedge against inflation risk and as further diversification for a traditional stock/bond portfolio. Keeping your money in a portfolio with a set of low-cost funds may be the best way to deal with the current uncertainty. No advisor can know the future so controlling your costs and taxes may be the best choice for now and the future. Learn yourself and save.

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

 

Annuity substitute

The annuity industry is pushing for Congress to have your employer include these expensive products in your 401k retirement options. Instead of moving your money to an IRA and taking the money for retirement income monthly, you would pay an insurance company extra to send you a monthly check. Employers used to offer a pension that you could count on to never run out of money. In return for your loyalty working for your company for 20-40 years, your boss would make sure you had income for the rest of your life. Sometimes employers even continued paying your spouse and included health care too: no longer. Since the 1980s, employers took the money for pensions and increased payout for senior management and stockholders. Employers passed the expense and investment risk to working people. Managements were still guaranteed their $ millions. The employees were given a couple of bucks to invest without knowing about investing. Most have done a poor job of guaranteeing a living retirement income. Employers are happy to pass on the responsibility to the insurance industry by encouraging workers to pay more for an annuity. The selling point is lifetime guaranteed income—but at a much smaller amount.

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

 

A cost-effective emergency fund

If you own your home with some equity, you can set up an emergency fund at no cost. If you had an emergency expense like medical emergency surgery that was not covered by your health plan, where would you get the money? Would you go to your family, a 25% credit card, or file bankruptcy? A low-cost alternative would be a HELOC—a home equity line of credit. At the current 4% interest, you would be able to handle your emergency now and pay back the self-loan at your own pace and avoid overpaying for interest. HELOC amounts are tied to the equity in your home, a good credit rating and home appraisal. There are no closing, administrative or lawyer costs—little or no out of pocket costs until you use your line. Save $3,000 on fees, commissions, overcharges. Save $3,000 a year: https://www.amazon.com/Insiders-Guides-Discount-Financial-Services/dp/143480593X

  

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

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

 

The Path to Dictatorship: 2010-2030

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup

 

Jan 6 2021 Direct assault failed: guns & bombs ready

 

Nov 8 2022 Trump’s “national revolution”

 

 

Fascism: ‘Everywhere Babies,’ a picture book banned

 

Terrorist: “just followed Trump’s orders”

 

250 terrorists guilty: nonviolent misdemeanors.

 

Judge: Trump guilty contempt of court: lawless

 

How Govt wastes our money:

Disney punished for free speech by FL: residents will pay for its services and debts

FL will now regulate how you think in your school and your business

FL residents sue county for banning books, closed meetings: violates 1^st Amend

GA bans teaching "divisive" concepts like structural racism: whites don’t want to know it

 

FL judge now regulates national health criterion for shots, masks, disease, flu, etc

Trump judge, not doctors, not FDA, to decide covid treatment for children under 12

OK bans abortions: felony crime 10 years if doc caught

 

US and Russia sell the arms to end the world: will Putin or Trump pull the trigger?

 

FL election police (brown shirts) seek and destroy voter ‘fraud’: Trump mail-in ballots ok

 

SCAMS/SPINS:

CapWealth TN caught overcharging clients 12b-1 fees, etc

HighPoint Advisor caught overcharging clients: wrap program costs more: no disclosure

Beware: advisors switching from “personal interaction to digital technology” to cut costs

 

Ex-FBI Official Accuses Tucker Carlson Of Aiding And Abetting Terrorism

Giuliani to explain to Congress the plot to overthrow the government: lawyers do sedition

Whistleblower on Trump’s Russia funding probe is dead: DeutscheBank-oligarch link

 

Trumpist lawyer Meadows voting in 3 states: GOP voter fraud proved no jail time

GOP Trumpist: “I’ve Had It With This Guy” but fear of fascist’s power made him kiss up

Trump picks MI chief elections officer/law enforcement: lock in next election for GOP

 

Trumpist Green: not remember a thing re: “fomenting violence,” facilitating overthrow

Trumpist Brian Kolfage Andrew Badolato stole money for Mr T’s wall: 46 yrs prison

Trump Jr can’t count either: makes up math like he makes up news

 

More Black, Latino and Asian Americans turning to firearms for self-protection … but

Mass shootings are on the rise: anger, alienation, grievances or minor slights revenged

Ban guns not the books: no one was ever killed by a book: we are killing off our young

 

Fake Microsoft virus helpline steals $ 1.7 million from computer victim: ask Avast.com

Fake bank contact: legit looking call, text, email looking to steal your money.

Tesla Model 3 sedan on Autopilot crashed into a parked fire truck in IN: killed wife

Recall 48,000 Tesla speed display software upgrade: ‘over-the-air’ software update

 

Gambling addition: will US become like Australia: problem doubled over 10 years to 1%

Inflation from gauging not higher wages: 54% from profit margins; 8% from labor costs

 

Jobs

KY jury awarded employee $450,000: asked employer not to celebrate birthday, did it anyway

Top 10 states for tech jobs: TX, CA, NY, VA, FL,

When you need a little push to enter your highway lane: make a 3-D at home

Fidelity 12,000 new financial jobs

 

Study says: CA police do not like people of color, immigrants, women and LGBTQs.

 

Who owns your account now?

Orange County median price for homes rose from $985,000 to $1,020,000 in March.

Tesla crashes into $3.5 million jet after being ‘summoned’: “autopilot” kills their jet

Vehicle Dependability 3 year olds: Kia, Genesis, Hyundai, Buick and Toyota top list

 

Musk gives Trump and other fascists the floor to make more hate: it’s their right to hate

NJ E-coli beef recall: check your packages

Mastercard Free ID Theft Protection and Credit Monitoring: why pay up to $120 a year

 

Miracles:

A packed train TO Kyiv: going home to rebuild: will Marshal plan help?

Monarch butterfly is back: after years of decline: insects in decline from heating/farming

 

Belarusian railway workers who helped thwart Russia’s attack on Kyiv

A pet lover’s courage to save the animals in war: true grit by example

What the world needs now: Sympathy

 

Warming planet’s tangible impact on Alaskan native culture’s food traditions

97,500 square miles of trees vanished last year: 1/3 by fire alone

Trumpist head USPS buying all gas fleet: no electric deliveries

Manchin gets paid $500,000 a year to keep his coal company in the pollution business

 

16,000 foreign volunteers assist Ukraine in fight against Russia: 2^nd front

 

 

Everything in the universe from sun to stones is made of subatomic ‘vibrations’

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

Mass–energy equivalence: E=mc^2   Everything at smallest level is moving!

 

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

www.InsuranceAdvisorsNetwork.com

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

Are dividend-paying stocks right for you?

Are dividend-paying stocks right for you?

Riding on your portfolio output of dividends is the dream of every retired investor. Perfect combo of rising dividends and portfolio value provides you with inflation-fighting income and growth. Is this perfection possible? The Dogs of Dow tell you which stocks may be your ticket but part of the answer is how much you must pay for your dividend returns. Vanguard has again lowered its fees on funds that emphasize dividends. Why is this important: If you earn 3.05% on your fund but the cost is 1%, you keep only 2%--even less if taxable account. If the cost is 0.15% which is 86% lower than the average expense ratio of funds with similar holdings, you earn 2.9%. If your principal has increased over 13% during each of the last 5 years, you have a winner. Lucky for us, Vanguard funds are low-cost so no matter what happens in the future, we are NOT overpaying. Vanguard Dividend Appreciation Index and Vanguard Dividend Growth Fund provide income and growth. Either will complement a bond fund like Vanguard High-Yield Corporate Fund with current yield of 4.67%. Since 1978 this fund has provided annual returns of 8.5%. Dividends and bonds can complement your Vanguard Top Ten: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

How does a 401k loan or cash out hurt you?

On average, about 30% to 40% of people leaving jobs elect to cash out their accounts and pay taxes and often penalties rather than leave the money or transfer it to another tax-advantaged retirement plan. The result is that you won’t have the money for an emergency and your nest egg will be severely reduced. A typical situation: cashing out your 401k when you change jobs. One case I worked on was a layoff. They were not able to secure a new position, so the option to transfer their 401k to a new job never happened. They were so concerned about their lost job and finding a new one, they did not investigate other options. So when the old firm reminded them they had $51,308 sitting in their account, they took it. Their unemployment was running out. They did not realize there would be taxes to pay – 20% withheld – and 10% penalty. That left about $35,000. If they had called a mutual fund company they could have had them move the money to an IRA investing in the same option they had at work. What did they give up? That $51,308 could have grown to $895,000 in a low-cost stock index account by the time they retired. This person could have temped or borrowed enough to live on until their next job started in about 6 months. Of course, they needed the money then and it was easy to get but after realizing what they gave up, they would have picked another option.

Consider your options: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

Trump could be a great president

He could nominate a politically-middle Supreme when the next one resigns. Instead of packing the Court with more questionable jurists like Scalia, Trump could keep the Court balanced. This would allow America to maintain a majority in the social mainstream and save a divisive split like Congress. It would maintain the choice women have in their health. It would keep corporations from flooding the election process with money. The Supremes can make sure that legitimate voters can continue to get to the polls when it is convenient. In recent years, GOP dominated state govts have limited hours, voting days and places so that an American must take off a day of work just to vote. Some waited 7 hours. Many states have deleted voter registrations based on arbitrary measures. Religious freedom is an important right but using it to discriminate against people you don’t like is wrong. Supremes must keep prejudice out of our lives to the extent they can. They need to balance my right to carry guns with the safety of all.

America only works as a democracy if we each share citizenship fairly and equally.

Fiduciary Rule back?

Firms and their advisers must comply with the exemptions’ conditions after June 9, 2017 if they receive compensation for investment advice in a manner that would violate the prohibited transaction rules, which are designed to protect retirement investors from conflicts of interest. Firms and advisers must either structure their compensation arrangements to avoid prohibited transactions or they must comply with an exemption such as the BIC Exemption or Principal Transactions Exemption. Advisors must give advice that is in our “best interest” but this is not made clear. This rule was made so that an 80 year old investor is not sold an annuity that left them with little cash. Most annuities are so complicated that no one understands them. Many firms have decided to move clients to a perpetual fee account so they can earn even more than an annuity over time. Your “best interest” may be to use a simple income annuity or dividend fund.

Ask your advisor to review all the options: https://www.amazon.com/Annuity-Decision-Tree-questions-answers/dp/1546454497.

Trump budget increases wealth inequality; social instability

Trump loves creating debt so he can provide benefits to keep tax credit class happy. Some economists see his budget adding $10 Trillion to the national debt. His GOP staff says giving money to the rich will generate economic growth at TWICE the current rate. Since many think we are at full employment now, it would be impossible to double our output. GOP leaders have been reluctant to spend money for Obama’s plans so it will take great courage for them to reverse their stand and spend. Trump’s supporters – disability belts -- will see the greatest cuts—SS disability cut by $70 billions. Trump’s team likes to hold up Reagan as the beacon but he raised the debt from 35% of total production to 60% of GDP. Cutting taxes and having economic growth pay for it does NOT seem to work. Only Clinton, Carter, JFK-LBJ lowered the growth of debt relative to GDP. If this seems counterintuitive, the GOP lust for increasing the gap in wealth only makes sense to those who measure America by their asset size. Is America a better place to live in if 1% of us owns 50% of all assets? The top 10% of families -- those who had at least $942,000 -- hold 76% of total wealth. The average amount of wealth in this group was $4 million. Most of us have less than $200,000 including our home! Real incomes are the same as in the ‘70s. Increased health coverage costs mean less saved for retirement. Men without college are dropping out of the workforce due to lack of opportunity. We are becoming a two class society like ancient Rome.

America’s Socialism for the Rich: https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

This is what happens when you cut taxes for the rich—America’s future?

School children get less education. Oklahoma has closed schools. What is the future for students who cut their education so early in life? Is this how OK grows its economy? Does giving more money to the rich really grow jobs and opportunity? Like KS, GOP control since 2004 has led to fewer services, including public education. “These are all the result of a bad public policy and a lack of public-sector investment.” Workers won’t move to states with poor schools. This is what Trump has in store for all of us. Facing a $900 million budget gap in OK, Trump’s additional cuts will mean less learning unless you can send your kids to private school. Only Arizona, Idaho and Utah spent less per student. Teacher salaries are ranked 49^th lowest. “If I were single, I’d be on welfare,” one said. Trump’s plan to cut education: Millions for private schools and charter schools.

There is a red America and a blue America; an educated and uneducated US. Not good!

How Russian propaganda works

A new media giant has challenged Fox to serve those who believe the alternative universe of anti-government anti-establishment messages. Sinclair is the largest owner of local TV stations in the nation. Sinclair would have 7 of every 10 Americans in its potential audience. Hackers provide data and false stories. With one piece of propaganda like the Clinton’s Pizza slave girl shop, provided by the Russian Information Warfare Management Cell, voters grabbed their guns and voted for the nihilistic alternative candidate who claimed “I can shoot someone on 5^th Ave and not lose any voters.” Despite fact checking information readily available, Sinclair and Fox can easily be tricked into sending the majority of Americans over the cliff of the reasonable. The traitors led the shout out “lock her up.” Putin’s goals of destabilizing America and creating a vacuum of power around the world would be complete. The legit media is treated as the “enemy of the people” (a term Stalin used) by a Russian puppet who claimed ‘I Alone Can Fix It’ I will restore law and order” while actually breaking the law at every turn. Now most Americans see Putin/Russia favorably. He took Crimea, Ukraine and kills his opponents. We eat his venom and beat reporters.

The GOP beacon Reagan is turning in his grave. He spits out this poison.

Cars: better used than new

Regal sedan loses 31.2 percent of its original transaction price after 12 months on the road, according to this survey. 11 more that cost 1/3 less after one year are a Best buy. Plus someone else has had to take them in for manufacturing problems.

10 cars with greatest number of safety complaints include Jeep: http://www.cheatsheet.com/automobiles/cars-most-safety-complaints-since-2005.html/

Consumer Reports Best used cars in each class: http://www.consumerreports.org/used-cars/best-used-cars-for-under-30000-dollars/   Price drops from glut.

Don’t forget all your discounts: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Can GOP really live on $7.25 an hour wages?

Conservatives have not increased the wage guide for 17 years. Yet they wish to cut welfare, food stamps, child lunch programs, and just about every social safety net we have. Some hide from voters. Would low-pay workers need to be on all these programs if working people received enough hours at $15 to buy food, housing and health care? The GOP always cites “job loss” when raising the minimum wage comes up. Some say employers can’t compete in the world market with higher wages. But have they really considered how you live on $7.25 and the part-time limits of some employers because of health insurance requirements. Some states have moved to set $15 as a goal despite Washington’s intransigence. It turns out that low-pay jobs at McDonald and Walmart are being subsidized by tax payers because no human, even Congress people, can live on $7.25 even with their perks and benefits. In many states Walmart employees are the largest group of Medicaid recipients. Wages are at the same level as 1975 in terms of buying power. And when you consider the growth of wages of the head of the firms they work for, you can see how American Socialism for the Rich works.

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

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

TrumpWorld

Goal: Trump brand around the world

Trump Jr promotes his properties during official visit to Saudis

You and I pay for Trump kids’ security and travel around the world

Trump boasts of highest TV ratings since ‘the World Trade Center came down’

‘Trump’ brand is all he cares about—it is all he knows. Trump vs America brand

He only reads the Intel that contains his name.

He pushes others out of the way for TV shot

covfefe

We can’t stop watching his “apprenticeship for president” show EVERY DAY!

‘I could shoot someone on 5^th avenue and not lose voters’

Two Americas

Trump is still just a contractor from Queens—Fred taught him to be The Don.

Like mob boss, he asks Comey to let Flynn probe go, then asks for loyalty, then fires him, then threatens him. https://twitter.com/realDonaldTrump/status/863007411132649473

Trump illegally pushes 2 top Intel heads to help him with FBI probe

Putin is not just another mob boss The Don is used to dealing with in NYC.

Trump tied to Russian mafia thinks he owns the town’s people and the Law.

Trump lawyered up to fight Russian probe by Justice – criminal and civil charges.

Trump gives absolution to lobbyists/employees for UNethical behavior Papal Bull?

FBI to question a Trump WH ‘advisor’ Jared as Russia spy master? Espionage?

Russia brags they could use Flynn to push Trump around. Jared Russian investors.

Carrier sends those jobs Trump ‘saved’ to Mexico after all. EU trip saved jobs “millions”

Flynn avoids jail—OK to ignore subpoena since McConnell not vote contempt. Where did his $1/2 million fee come from, really?

Why travel ban banned: ‘in context it drips with religious intolerance, animus and discrimination.’ The president’s authority, the court said, ‘cannot go unchecked when, as here, the president wields it through an executive edict that stands to cause irreparable harm to individuals across this nation.’  

Which witch hunt?

Resign or impeach? Which is better for Trump brand? Most ‘mistreated’ president?

Why is Trump/Jared making secret comm to Putin? Traitor? Subvert?

TrumpWorld – using presidency to make money the old fashioned way: Who you know.

Sergey Gorkov, Putin’s top financial operative, banker, consulted Jared in December.

Jared’s loans: Since 2013, Blackstone mutual funds has loaned more than $400 million to finance four Kushner Cos. deals -- two of which have not been reported -- making it one of the business’s largest lenders. And their ties go beyond the loans. Stephen Schwarzman, Blackstone’s CEO, heads Trump’s business-advisory council and was in Riyadh with the president and Kushner. The Saudi promise to invest in Blackstone’s fund drove the firm’s stock up more than 8 percent. 

Jared’s art collection worth $ millions not disclosed in required disclosures.

Trump pays back Icahn for casino bailout with $60 million energy reg change. Amigos

Rich Russians buy Trump property. “Integrity” coat arms gone; now “Trump”

Book by Ivanka being pushed by our State Department—is this legal?

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

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

“It is nearly impossible for one individual to take on a corporation with vast resources.” Supremes stop us from suing—State courts no longer available to sue corporations!

Republicans want to let robocallers spam your voicemail—Just say NO!

GM denies diesel emissions scam on trucks

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

GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.

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 one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

SCOTUS allows no knock home invasion by police who won’t even pay for injuries.

SCAMS:

The federal government is undergoing a rebranding agencies under [Trump].

NC GOP working hard to exclude Dem voters with new voter ID bill

Ignoramus Award:

Trump cuts scientific discovery so scientists go to China for funding – lose race to AI

Jerry Springer, TV bad boy, for governor of OH????????

How our government wastes our money:

We killed another 100 in Iraq with bomb meant for ISIS

$40 Billion system has hit target only 9 of 17 tests since 1999. Kim has 50% chance!

EpiPen, daughter of WV Sen Manchin overcharged us $1.27 Billion CA single-payor?

Where have all the jobs gone?

nursing and accounting show growth while others show decline.

Understand the formulas that do the hiring now: not grades, tests, school pedigree!

Drivers and Sales: https://www.monster.com/career-advice/article/50k-no-degree-jobs

Job interview will ask for your salary requirements. Answer: I will research the range.

Which job board sites are best for your job search?

Cancel Robo calls with Mr NoMoRobo: https://www.nomorobo.com/ 

Miracle:

Ricky John Best and Taliesin Myrddin Namkai Meche laid down their lives for others.

Memorial Day for them too. Two strangers who stopped a man provoking two women.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Get your Tax Shelter now

The Don’s real tax plan is NOT what he said:

“The largest tax reductions are for the middle class,” said Trump’s “Contract With the American Voter,” released last month.

REALITY: middle-class families as a whole would receive tax cuts of about 2 percent. They are dwarfed by the windfalls averaging 13.5% for the top 1%. The tax hikes that would hit single parents and large families would result from Trump’s plan to eliminate the personal exemption and the head-of-household filing status. His other proposed tax changes would benefit middle- and lower-income Americans. But they wouldn’t be enough to offset those modifications. His plan follows GOP policy—cut taxes for the rich and hope they will create 25 million jobs. KS is now bankrupt because of this policy. This myth was disproved with Bush II. His tax cuts just widened the gulf between the 1% and us. Most wealthy people invested overseas or hid the money in tax shelters like Romney. They are spending the tax cuts on art not jobs.

Jobs are created when the middle class has money to spend and creates demand not when wealthy have more money. Tesla built a huge battery factory in NV because people want electric cars not because the owner got a tax cut from Bush II.

Use the middle class Tax Shelter: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

Is your next door neighbor a millionaire?

The TV image just does not fit your neighbors. They go to work everyday like you do. They drive a pickup or sedan like you do. Their kids go to public schools like yours. They enjoy backyard BBQs like you do. How do we know a Millionaire Next Door? Well you don’t. The study by Stanley and Danko creates a different picture than the one on TV. Most are self-employed—many are contractors: painters or carpenters. Most are 1^st generation. Most are just like you except they save and invest over 20% of their income. They are thrifty—save on everything including insurance, mutual funds, business loans, cars, homes, and college. They use accountants not advisors/brokers for unbiased advice. Salespeople understand salespeople so they buy direct and save 201 ways.

Best Decisions: Your Advisor is Wrong: https://www.amazon.com/Best-Decisions-Your-Advisor-Wrong/dp/1540848590

GOP tries to stop vote count: 2000 revisited

After closing 868 voting places and reducing the times allowed to vote, GOP went to court to block the recounts in 3 states. “This court cannot allow a dilatory and frivolous request for a recount by an aggrieved party to silence all Michigan votes for president,” the filer said. Recounts don’t “silence all votes.” They make sure votes count. 

In 2000 Scalia and the Supremes gave the election to Bush II on the BS that FL could not count every vote fairly. Bush gave us 2 wars we can't end and big recession. This time the GOP knows Americans picked Clinton, IF ALL VOTES ARE WERE COUNTED. Why wouldn’t all Americans want to know who won? Trump could bring us WWIII. 

The GOP is making US doubt that America is a real fair democracy.

Is America working just for the wealthy?: https://www.amazon.com/Americas-Socialism-Rich-tax-little-people/dp/1535218584

Return to the “good old days”: Medicare, Medicaid and Social Security privatization

Clearly, if they get their way, our society will look more like the days of the Robber Barons than the days of the Great Society. The gap between economic groups has returned to the time when Rockefeller roamed the streets handing out dimes. Since the sixties, the middle class has stopped growing. The promise of the American dream is over for most working people. In 2007 the top 1% took charge of 23.5% of all our incomes—matching 1928. The U curve is plain to all http://keepthemiddleclassalive.com/where-do-you-stand-is-this-system-fair/. Most of the people in Washington are m/billionaires so having others pay their medical bills and their rent and their retirement incomes for the rest of their lives is a no brainer. They don’t have to worry about paying their bills from their pay envelopes. For them, cutting OUR health care and retirement money to pay for their favorite corporate buddies is their job. They think it is their duty to cut “social” and “entitlement” programs so that the rich and powerful who pay for their elections can still receive their subsidies, grants, tax breaks, R&D, and whatever.

Using tax money for Carrier bailout is socialism. GOP could fix SS trust funds using subsidies to oil, gas, pharma, agribiz.

“They [CEO] are getting nervous, and some CEOs are asking whether they can get a better deal” to stay in the U.S.” In the age of the Robber Barons, they dressed up and went to extravagant parties. 99% of the people did not have health care because they could not afford it. Seniors had to live on their savings if they could afford to save. Labor was cheap. Workers were hurt on the job. Many minorities could not vote or work in white only businesses. Unions were forbidden and broken up. You can read how life was without regulations, Medicare, Medicaid, and Social Security in How the Other Half Lives  by Jacob Riis.

Cut taxes now—you will need money later: https://www.amazon.com/Tax-FREE-Income-000-tax-free/dp/1477472584

GOP locks in no increase in minimum wage: our taxes make up difference

Since the 1940s, children are less and less likely to earn more than their parents when they grow up. Study suggests that income stagnation isn’t just for the poor: Upper middle-class Americans saw their chances of earning more than their parents drop the most of any group born from 1940 to 1980. The Don has put low-wage restaurant owner Hardee’s Carl’s Jr. in charge of keeping wages low so Trumpers who voted for him can keep their low-paying jobs. Trump has said he wants to grow the economy by 6%. We can barely make 2.5% because most low wage jobs don’t allow excess spending. For example, Rico makes $12.50 an hour at Taco Bell Richmond CA and struggles to make his paycheck cover the basics for his 10-year-old twins. “Things I am dealing with now, [my mother] didn’t have to deal with. … It’s heartbreaking,” Johnson said. “I feel I am unable to provide my kids with the same opportunity.” $12.50 is $2,000 a month $24,000 a year gross if Rico gets 40 hours a week. Most TBs are part time. Poverty is at $24,250 and so Rico can obtain subsidies from our taxes. Our taxes help Taco Bell owner Yum, a Pepsi spin off, earn $ billions for wealthy.

Avoid making Yum corporation owners wealthier: https://www.amazon.com/Your-Hidden-Wealth-Reserve-Reduce-Taxes/dp/1540435148

Most reliable cars for 2016 also cost effective

Prius heads the CR list of reliable.

Lexus CT 200h hybrid compact sedan,

Infiniti Q70 full-size luxury sedan

Audi Q3 compact crossover

Lexus GX full-size SUV

Lexus GS mid-size sedan

Mercedes-Benz GLC compact crossover

Chevrolet Cruze compact sedan

Audi Q7 full-size SUV

Toyota 4Runner mid-size SUV

Use all your discounts to save on auto insurance: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

“Whatever I say is true, is true, because I say it enough times”

Our President does his own “research” on Infowars.com, breitbart.com/, Twitter

This was where he found out that millions voted illegally. Even dead people.

That no one actually died in a massacre at Sandy Hook just stunt to take guns.

That Obamacare is the “biggest voter registration fraud scheme in the history of the world” 

That the 9/11 attacks were carried out for our government.

"Hillary Clinton and her campaign of 2008 started the birther controversy."

Offer to donate $5 million to charity in exchange for Obama's college records.

That Mexico sends "rapists" and other criminals into America.

He claimed he personally witnessed "thousands and thousands" of Muslims celebrate 9/11 in NJ.

Ted Cruz's Cuban-born father Rafael Cruz was linked to the JFK assassination.

That Antonin Scalia was murdered.

That Clinton used drugs before a debate.

That "globalists" (read: prominent Jews) are trying to take over America.

That vaccines cause autism.

That burning our flag is a crime not a 1^st Amend. Right, as per Supremes.

Trump does NOT take the daily intelligence report but watches TV—Fox, CNN,

That his Cabinet officer Carson thinks “Joseph built the pyramids to store grain.”

His voters represented districts with the highest drug, alcohol, and suicide rates.

           

He does not check rightwingwatch.org/ factcheck.org/ to verify the information used to rule.

We are entering the Twilight Zone:

"There is a fifth dimension beyond that which is known to man. It is a dimension as vast as space and timeless as infinity. It is the middle ground between light and shadow, between science and superstition, and it lies between the pit of man's fears and the summit of his knowledge. It is an area which we call the Twilight Zone." 

Rod Serling

75 percent of U.S. adults were fooled by false headlines. The survey found that people who cite Facebook as a major source of news are more likely to view fake news as true.

We wanted change: “It could have been Captain Kangaroo and he might have won.”

            The Don is interviewing everyone he saw on TV: K.T. McFarland, Gingrich, Ben Carson, Bolton, Crowley, Huckabee, Scott Brown. These are all Fox News mainstays. “What becomes of Fox News?”

  

THE DON’S 282 PROMISES

Deportation, The Wall, Re-Create Jobs, NO Abortion, No ObamaCare, More Guns, No Muslems, Reprochmont with Russia, Christian nation, Jail Clinton, Kill Terrorists and Family, Torture, Cancel Iran deal, Cancel EU-NATO, Term limits, Replace VA head, Coal Steel Infrastructure, End drug monopolies, Tax imports esp Ford, Grow 6%, Cut Deficit, Separate banking speculation, Cancel Consumer Protection Act, Change libel law, outlaw flag burning, End own biz ties, End endless tweets, Cancel Fiduciary Rule, Wealthy tax break, No tax income <$50K, tax profits sent overseas, Change Washington, Change GOP, Change, Change, It was rigged! … so I would win! Red states limit Dem voting

“ I am the only one who knows who the finalists are!” Hillary for State?

Like mafia family, The Don has never had a boss, no corporate board to question his acts!

Remember, Don Trump is still a contractor from Queens NY

The Don Way: Making money from the Secret Service and Top Secret info for biz, foreign diplomats, Branded Prez swag!, Taxpayers, not private guards, guard Trumpworld, Produce TV show and rule at same time?,

The Trump Presidential Style

Lashes out at SNL skits still!

Tweeting his gut instincts: “usually right” he believes

Girl he tweeted 2015 still gets threats

*

Actual outcomes: (“So much for draining the swamp” He filled it with new ones)

China, which pays for most of our debt spending, is not happy with Trump already.

Carrier paid with IN tax credits to keep HALF jobs in Indy and Trump takes credit

            IN spent $24 million to keep jobs but lost 3,800—companies reneged!

            700 laid off workers will not be able to buy ObamaCare -- so lose twice.

            Is this what Putin would do? Force/pay owners to keep workers working!

            Carrier union rep gets threatening phone calls—kids in danger from Trumpers?

            Carrier parent UT gets $ billions from jet engine contract from US too!

            Crony capitalism—Palin does not like govt supporting business. Socialism?

Dems won by 2.5 million: GOP barred voters, Greens took Clinton votes WI, PA MI.

            Comey gets payback—House approves plans for a new FBI headquarters

The Don claims he won popular vote "if you deduct the millions of people who voted illegally", though he provided no evidence of widespread voter fraud. Recount is scam.

The Don disavows white supremacists as they give the Nazi Heil but may have one as advisor.

Don’s vigilantes attack non-whites: hate crimes up in NYC—muslim cop assaulted

The Don thinks that maybe torture is not what the generals want.

The Don may believe in climate change by man after all.

            House committee on NASA says it pushes propaganda. “From next year, entire U.S. government is going to be in the hands of people who really don’t believe in the 'man-made global warming' scare story." Miami flooded is illusion? Coast mayors act?

The Don will “replace” ObamaCare immediately with something “terrific” that is “so much better, so much better, so much better.” 20 million people use ObamaCare. So why do more Trumpers sign up for ObamaCare if it will be gone Jan 20? $75 a month?

Trump paid back students at his Trumped up U. $25 million and still made money.

Trump has NOT sued any woman who claimed he handled her as he promised. All 13!

Deportations: “get the people that are criminal and have criminal records, gang members, drug dealers, where a lot of these people, probably 2 million, it could be even 3 million, we are getting them out of our country or we are going to incarcerate.”

A Wall would be ineffective:

Ford’s factory better. Tax cuts for rich/corporations mean no money for the wall.

Trump tried a wall in Scotland and sent the bill but failed—they just don’t pay the bill.

Giuliani paid millions by Mexican politician running anti-Trump platform in 2018. Wow

NATO EU UN defunding: Weakening NATO, EU and UN ties is Putin’s goal in regaining Russia’s superpower status. The Don has been flattered by KGB: no friend.

End of Iran deal would be ‘folly’ according to CIA Brennan. “Disaster” for proliferation.

Tax cuts: Single parents and large family will pay more—1%ers get 13% cut.

Cut taxes so econ grows: wealthy get most breaks

Economy is doing fine without cuts: Obama economy created 178,000 jobs in November, and the unemployment rate fell to 4.6% from 4.9% in October. 10 million new jobs under Obama.

Stop corporations sending profits (UNTAXED) overseas.

Stop government subsidies (socialism) to oil, gas, agribusiness, drug corporations:

Reinstatement of the Glass-Steagall to keep speculation from consumer banks.  

Trump kids become national security advisors—get top-secret clearance. Giuliani claims “they can’t work in the government because of the government rule against nepotism.” But they can use the information in Trump’s companies and insider trading.

Stop flow of jobs out of US but corp welfare was paid

Ford will still build $2 billion factory in Mexico but does not send KY jobs there yet.

Fiat building new factory for Jeep Compass in Toluca Mexico. Labor is ½ price.

Carrier agreed to 1,000 new jobs in Indy—not furnaces. Taxpayer incentives given.

Trump’s deal “saves” less than half of the total jobs, for a subsidy from IN. Jobs still go to Mexico.

The Don will NOT show his tax returns or his birth certificate. He does not pay taxes: he claimed he lost money.

The Don’s slogan “lock her up” was just B.S.—a $20 tote that isn’t even made here.

The Don’s claim NYTimes is “a joke” was just BS--“I will say, The Times is, it’s a great, great American jewel. A world jewel.”

Promised to stop tweeting so much. Tweeting almost as much.

Promised to act presidential. Stop attacking individuals. Attacked Carrier union rep.

Promised to give up business. Linked business in hidden ownership no accountability.

The Don’s big bluff: what will be done has changed every day since election.

Obama’s rule giving overtime pay to 4.2 million US workers blocked. Trumpers lose

Propaganda wins: 82% middle-school students could not distinguish between an ad labeled “sponsored content” and a real news story.

“I’m going to bring down drug prices. I don’t like what’s happened with drug prices.”

            TIME names The Don ‘person of the year.’

The Don promises more government spending. “Well sometimes you have to prime the pump. So sometimes in order to get the jobs going and the country going.” Congress?  

*

The Don’s new sub bosses (mostly billionaires with own conflicts of interest kiss ring):

Andrew Puzder, Labor, CEO Hardee’s Carl’s Jr. is outspoken critic of worker protections and has opposed efforts to expand eligibility for overtime pay, while arguing that large minimum wage increases hurt small businesses and lead to job loss among low-skilled workers. Wages will decline further under Trump as he seeks to universalize non-union workers as he did in his construction jobs. Trump used immigrants to build his home on 5^th Ave. He may try to build his 2000 mile Wall the same way to meet his promised $8 billion cost.

John Kelly, Homeland, marine general to build wall, guard borders, process immigrants and Guantanamo and keep women out of combat jobs. His son was killed 2010 fighting Taliban in Afghanistan. He has stressed the importance of enforcing human rights and said “But in a democracy, you salute. You suck it up. . . . You cannot act.’’ Served under Mattis in Iraq in 2003 and 2008 and under NATO head.

Carson, Housing, former surgeon, told Trump he was not qualified and doing a government job was the last thing he wanted to do. Has been famous for ignoring science: “My own personal theory is that Joseph built the pyramids to store grain.” Carson has claimed that homosexuality is a choice, evolution is an idea encouraged by the devil and, most famously, Obamacare is “the worst thing that has happened in this nation since slavery.”

Scott Pruitt, EPA, Oklahoma attorney general, has fought FOR pollution of every kind—soot, smog, mercury, arsenic, and other toxic pollutants from power plants. He has sued to overturn an E.P.A. rule to protect our water supply. He has blocked Obama’s effort to replace carbon with solar/wind. With the help of oil and gas industries, he has led the charge against the EPA for years. Oil and gas even write his protest letters for him. It’s the 1890s all over again.

Linda McMahon, Small Business Administration, founder, wrestling franchise WWE. Grew from 13 employees to 800 world-wide. She ran unsuccessfully for a U.S. Senate seat in Connecticut in 2010. Trump vowed to cut regs for business.

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

GOP hates women as much as black men.

Tolerance is un-American now? Do we have a new McCarthyism period: Muslims not commies?  http://www.cnn.com/videos/politics/2016/03/12/donald-trump-rallies-violence-protests-mashup-lv.cnn

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.”

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

Pimco investments caught misleading investors re: its ETF performance numbers.

Penn Treaty long-term care declared failure. Liabilities $4 billion; assets $600 million

Supremes decided a trader who got tip as gift is felon if they trade on that info unless they     are Congress person. Many have become millionaires by using info from their jobs.

Wells Fargo fails on a national scorecard for community lending too. 2 million bogus a/c 

JC Penney, Sears, Kohl’s Macy’s caught tricking us with false list prices for sale price.

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

GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.

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.

Oregon jury: “having guns is no threat but statement of culture like wearing cowboy hat.”?

Another 4 year old shoots a 2 year old – what happened to the safety switch on guns?

Footballer killed in road rage event and killer not held=verbal “fear for life” claimed?

Scott shot 5 times in the back while running away from police who claims self defense.

Harris gets life for killing son by leaving him in hot car in GA in June

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

SCAMS: Repeal ObamaCare will hurt the very people who elected Trump

Scammers use IRS letters to trick you into paying tax bill you don’t owe. Check your account online first: https://sa.www4.irs.gov/eauth/pub/es_general.jsp

Ignoramus Award: Man shoots up eatery after fake news of Hillary sex traffic scheme.

FL woman makes death threats against the parent of a child who died in the Sandy Hook because she believed the fake news that the attack was a hoax. Flynn son hoaxing too.

2 kids light up TN, killing 14 people and destroying 2 towns. Motive unknown.

How our government wastes our money—letting companies not pay taxes is waste

Giving Carrier money to keep jobs in IN is not good policy—No different than Russia’s state SOCIALISM and what we do for Boeing, Alcoa, Nike, et.

Two-thirds of profitable U.S. and foreign corporations do NOT pay federal income taxes, according to a congressional report.

Microsoft Apple Google and 5 other tech firms now account for more than a fifth of the $2.10 trillion in profits that U.S. companies are holding OVERSEAS, according to a Bloomberg News review of the securities filings of 304 corporations. 

F-35 fighter's capabilities abound but so do the problems from engine fires to computing malfunctions. It has limited firepower and could lose in a fight. The Navy F-35 costs $337 million each. The A-10 is more cost effective.

The Pentagon has buried an internal study that exposed $125 billion in administrative waste in its business operations amid fears Congress would use the findings as an excuse to slash the defense budget

BP selling 3 million barrels of U.S. crude to Asia—we pay tax dollars to oil firms.

Where have all the jobs gone?

General Mills cut 600 jobs as breakfast menu changes. Adding more sugar?

Dog walker makes $110,000 and part time handyman $150/hr—more jobs

More Americans are working part time juggling several jobs to make a living.

Retail jobs: Sears JCPenny Macy Kohl closing stores – Amazon, online sales

Who owns your account now?

Penn Treaty long-term care declared failure. Liabilities $4 billion; assets $600 million

Miracle:

IAN

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