7 Social Security and Medicare Quirks That Can Trip You Up

 

Our ‘collective’ rage

We are at war with ourselves. We are angrier about politics than we used to be. Is it because of conspiracy theories? No. We have had them since Sam Adams proclaimed that the British Empire literally wanted to enslave white Americans. Conspiracy theories that followed targeted the Bavarian Illuminati, the Masons, Catholics, East Coast bankers, a global Jewish cabal, and so on. Are social media responsible for our collective rage? No, social media didn’t cause political polarization. A large study showed that people were much more likely to share posts from news organizations or members of Congress that referred to their political out-group—i.e., the opposite party. Maybe we’ve all gotten angrier as a natural reaction to things getting worse. There’s simply very little evidence that the American public has become less happy about its concrete material condition. It wasn’t until Fox News was up and running that we started to see permanent changes in the electorate. Trump taught HALF of all Americans to hate their government and the liberals who ran it. It was Trump on Fox News that fired up the evangelicals to settle for nothing less than complete destruction of the deep-state pedophiles. It is Fox News that has torched the American political system over the past two decades, and it is Fox News that we have to continue to fight.

https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

 

 

 

7 Social Security and Medicare Quirks That Can Trip You Up

If did not enroll in SS benefits during the initial enrollment period, you need to start Medicare by going directly to do so. Part B enrollment can be delayed; Part A (hospital) is automatic when you begin SS benefits. You can’t contribute to HAS if you begin Medicare. Additional charges (IRMAA) reduce benefits if your income is too high. Poorly planned RMDs can force higher taxes. If you are married, your income may determine your spousal benefits. Delayed benefits past age 70 are not increased. Visit your local SS office in order to get the proper information about you and your spouse benefit amounts.

https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224/

 

Broker Bad Behavior

Broker asks YOU for a loan. Beware promissory notes—without accredited buyer—could be fraud. Advisors who use emails or text may be in violation of firm oversight rules. Transfers directly to broker or advisor accounts may be fraud—using personal account not the firm’s account. Sellers request that they become your beneficiary. Always check a seller’s past on BrokerCheck. Insurers use tricks to increase annuity sales.

https://www.amazon.com/Lies-Financial-Advisors-Told-alternatives/dp/1478281545

 

 

 

 

 

********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 

 

Aug 1 2023 Trump indicted by the United States of America

Conspiracy to defraud the United States

Conspiracy to obstruct Congressional proceeding

Obstruction of and attempt to obstruct an official proceeding

Conspiracy against right to vote

 

 

Attempted coup d'état by any other name

 

350+ people have been sentenced to jail or prison.

 

 

Trump and His Gang Get the Mob Treatment

 

Aug 4  “IF YOU GO AFTER ME, I’M COMING AFTER YOU!”

 

Mobster #1 Enrique Tarrio gets 22 years 

Mobster Stewart Rhodes sentenced to 18 years

Mobster Ethan Nordean gets 18 years

Mobster Dominic Pezzola sentenced to 10 years

 

 

 

Aug 14 2023 Trump & 18 indicted by the State of Georgia

 

VIOLATION OF THE GEORGIA RICO (RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS) ACT SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

CONSPIRACY TO COMMIT INIPERSONATIN PUBLIC OFFICER FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

CONSPIRACY TO COMMIT FALSE DOCUMENTS

FORGERY IN THE FIRST DEGREE

CONSPIRACY TO COMMIT FALSE STATEMENTS AND WRITINGS

FILING FALSE DOCUMENTS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

SOLICITATION OF VIOLATION OF OATH BY PUBLIC OFFICER

FALSE STATEMENTS AND WRITINGS

 

 

Aug 24 2023 The Don, Racketeer: GA jailhouse real ‘mug’ shot

 

 

 

 

Jan 2025 Dictator pardons himself: his Supremes agree

 

 

How Govt wastes our money:

Shutdown looks more likely, as Congress notifies Wash staffs

 

 

 

SCAMS/SPINS:

Google Maps led him off a 2013 collapsed bridge: driver died; suing Google

Drug overdose fatalities quadrupled among Americans aged 65 and older

SEC Fines Wellesley Asset Management for Marketing Rule Violations: trying to trick us

 

Invest in alternatives—real estate, investments in a pass-through entity may trigger IRS  

Trump defrauded institutions with lies about value of his assets: ultimate Big Con

Tucker Carlson finds a new booster: Russian TV quotes him

 

“No Exam” Life Ins costs more than pays: M 74yo: $263.50/mo 10 yr $31,620 for $25,000

Founders gave Supreme Courtiers ‘a lifetime’ tenure (average longevity: 35 years)

Philips Kept Complaints About Dangerous Breathing Machines Secret Profits Soared

 

States with most expensive auto insurance

John Hancock caught Charging Excessive 401(k) Fees

We must rely on SS benefits, savings and Medicare to cover huge health care costs  

 

Hyundai Kia 3.3 million vehicles to park outside risk of fire—brake fluid leak

Tesla on trial for its autopilot killing and injuring a family: who’s responsible?

Tony Barouti caught selling GWG bonds as it missed payments bankruptcy complaints

Regal Assets Tyler Gallagher stole $5.5 million gold Ponzi scheme retirees IRAs

 

Jobs

Engineering jobs https://jobs.interestingengineering.com/

Mastering ChatGPT Unlock the Full Potential of Conversational AI Today!

The Man From U.N.C.L.E. and NCIS ‘ducky’, died at age 90.

 

15 companies with the best compensation packages

Part-Time Jobs With Great Benefits: eg: Red Cross, Post Office, Costco, UPS, HomeDP

JPMorgan Chase hiring 4,600 people with arrest or conviction records

 

Who owns your account now?

Home Insurance Study JD Power: customer satisfaction: Erie, Amica, AutoOwners, AIG

Parallels Between Running and Personal Finance Advice

Thousands retiring: advisors pushing annuities instead of direct income choices

After Florida changes Black history, churches step up to teach it

 

Costco Offers Members $29 Online Health Care Visits

12 Electric and Hybrid Vehicles That Get a $7,500 Tax Credit

Online Men’s Consignment Stores:

 

 

Miracles:

She gave birth to 3 babies in 4 years. They all have the same birthday.

Intermittent Fasting and Weight Loss Affect Aging

Impossible to outrun a bad diet: exercising and poor diet don’t mix

 

Best Quality of Life Cities in America

Hydrogen sulfide could one day be used to help people live healthier for longer

Switzerland's glaciers suffered their second worst melt rate this year

 

 

 

@

 

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.

A ‘particle’ is an event; not an objective thing. This event is set of complex relationships.

 

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

 

Stars fueled by the self-annihilation of dark matter might have been spotted for the first time by JWST

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.

New method to study systems with long-range interactions: previously puzzling experts

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.

Astronomers discover raw materials for life are present all across the Universe: methyl cation

 

 

@

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/ No AI used in these comments

 

Is a gold asset right for you?

What to do if Trump really did cancel SS funding?

At his NJ golf club, Trump promised his wealthy members: “I plan to forgive these [postponed] taxes and make permanent cuts to the payroll tax,” adding “I’m going to make them all permanent.” So all his members clapped (clap signs flashed) and will vote to end SS, Medicare, income and other taxes. Later they learned he will also cut capital gains taxes so they will owe nothing on the gains in their assets. However, in January Trump tweeted “Democrats are going to destroy your Social Security.” Members of his club and the wealthy are already avoiding most of those taxes since they are not taxed on most of their wealth. However, most will vote to end ‘payroll’ taxes since it sounds better than Biden’s promise to deal with the huge deficits Trump has created with tax cuts.

Make sure your have income later: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle-income/dp/1466394285

How can you know whether to trust your advisor?

Does every financial advisor have a basic conflict of interest? Advisors can make money from you in many ways. Do you really know how they make money? Are they on salary or commission or fee for service? Many advisors get paid based on much money you have not on how much they earn for you. So if your account went up because the market went up, you will pay more even if they had nothing to do with it. Some advisors charge an hourly fee like a lawyer. You pay $750 for a written financial plan that shows you a high probability of reaching your goals. Some charge for a specific task. You pay $500 for a re-balancing of your whole portfolio. Some are paid a bonus if they sell certain products and not others. They receive a year-end bonus of $5,000 for selling $500,000 of the mutual funds managed by their firm. How do you know the product they recommend is the best for you? You don’t know if the funds they sold you are better than an index fund until a year after you have paid their fees. Are they working on all of these income streams? Are you given a clear explanation of why your total balance has gone down yet you paid $1,700 already? Trump ended the fiduciary duty of financial professionals on February 3, 2017—one of his first acts in office. You can avoid their conflict of interest.

Buy the best for YOU: https://www.amazon.com/Fiduciary-Rule-BEST-dont-anymore/dp/1530980275

Is a gold asset right for you?

In the wake of gold breaking above the $2,000 level, enthusiasm for the yellow metal has reached a fever pitch. Earlier this week, for example, MarketWatch reported that a fund manager forecasted that gold could double to to $4,000 an ounce. But gold highs are not usually a good sign for real investors. The fundamental justification for a higher gold price that is most often mentioned is inflation. But we don’t have inflation. History tells a different story. “In 1980, some were concerned about… high inflation… From January 1980 to January 1985, the real price of gold fell 65%. People owned CDs paying 12% not gold. Perhaps new gold ETFs are pushing the price higher. Gold has been a speculator’s tool in the past—“I buy because another fool will pay more when I sell.” The gambler knows it is difficult to know when to fold.

Don’t play their game: https://www.amazon.com/Americas-Socialism-Rich-little-people-pay/dp/1535218584

How to stay focused on your long-term goals

With all the craziness of this time—work/no work, school/no school, mask/no mask, bull market/unemployment, deficit spending/recession—it is difficult to know what to do with your future income assets. Many have lost ground with 401k matching suspensions or layoffs. Many have ignored their portfolio since it is not clear what to do now. Many more have left their account in Target-Date Funds. Others have joined the Wall Street frenzy to trade ETF. The number of these index funds has exploded—over 5,000—with only a few making money for owners. During this time it has been helpful to some to just keep in mind Warren Buffett’s advice: “The stock market is a device for transferring money from the impatient to the patient.”

Wait, it gets better: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Is your advisor’s move to a new firm right for you?

Unfortunately, moving all your assets to their new firm is not as simple and easy as they claim. It is the right move for them—more control, more income, more career choice. But you are going to have to deal with all the hassle—even your advisor doesn’t know the half of it—I was a firm manager. You will experience new account documents, lengthy processing delays and, frequently, significant incremental costs. Besides the paperwork and delays, you have new costs, including ticket charges, account level fees and annual maintenance fees for retirement accounts. If you were with a low-cost provider like Vanguard, Fidelity or Schwab, your 0.2% costs may become 2% a year. This increase may rob you of 63% of your total accumulation over time. You may lose asset compounding—the miracle of compounding. You are forced to make complicated decisions about how trades are made, which custodians, clearing firms, product sponsors and other institutions will be used. You will have to sign away your right to sue if they make a mistake. The benefits of one statement or greater compliance are marketing hype. Most firms are required to provide top compliance now. Plus, with larger firms, you usually have more, not less, choice of the product/service and benefits/costs balance. Some even have salaried advisors so you obtain more unbiased advice when you need it.

Do you need an advisor? https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Is a ‘cash out’ refinance right for you?

Mortgage rates keep hitting historic lows. If you are tempted to take some of your home equity for bill payment or in anticipation of job insecurity, think hard about all the possible outcomes first before signing. We were in such a situation recently, and opted for the line of credit (home equity line of credit or HELOC) instead. We already had a lower mortgage rate on a 15-year loan so there was no need to refi for a lower rate. We used the equity to reduce our overall mortgage costs—less interest. We live in a high property-tax state so we could not reduce our monthly payments much more with a new refi. Plus we did not want to extend our mortgage payments for another 15 years. The line of credit is a way to get cash out for home remodeling and emergency without the cost and risk of a new 1^st mortgage. Interest is deductible for home improvements like a new kitchen. The rate is lower than many credit cards. We did not have large credit card debt so we did not need the cash from a ‘cash out’ refi. Our only big monthly expense is the property tax bill and we are applying for a reduction now. We shopped around for a no-cost HELOC.  We avoided all the closing costs of a ‘cash out’ refinance. We avoided prolonging our mortgage payments.

Hope for the best; plan for the worst: https://www.amazon.com/Your-Hell-Fund-goes-hell/dp/1492325627

 

**********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 on Harris: Make America WHITE Again

Dictator’s advisors fear “he may start a war”

Dictator eliminates Congress: ‘benefits’ for all by exec order?

Dictator to stop citizens from re-entering America

Dictator: “I’ve kept us out of war” with UAE?

Dictator cuts PO so we can’t mail-in vote

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

Congress on vacation: failure is THE option: they leave—we are stuck w/o job or money!

20 GOP senators reluctant to spend more money: spent $3 Trillion on rich: re-election locked

Congress gets $174,000 for not doing job: Wealthy reps think $600 keeps us from work.

“permanent cuts to the payroll tax” Trump handlers: he didn’t mean end Social Security tax

Trump to give wealthy another tax break: lower taxes when they trade or sell assets: “more jobs”?

SCAMS/SPINS:

Facebook takes political sides: Employee fired after collecting proofs?

NRA execs accused of stealing $ millions from dues-paying gun owners

Which foreign government will buy election: Russia for Don; China for Joe?

Despite Trump, kids are NOT immune from virus: 97,000 children positive in 2 weeks

How we are informed: 7 million lies about virus posted on Facebook: can we survive?

FL sheriff bans use of masks by his people and in office as FL cases/deaths zoom.

Jack Brewer sold shares of company he consulted for knowing the stock price would fall.

Advisors don’t get laid off: they get paid whether they make us money or not: overcharge

Robert Jesenik Aequitas caught Ponzi promised returns from notes and funds

Morrie Tobin caught pump-and-dump schemes defraud “innocent investors” $15 million

Pyramid schemes hit struggling workers: promises of huge profits from tiny start-up cash

Jared huddles Kanye secretly in CO: conspire to railroad Black voters

Trump’s postmaster is removing mail sorting machines to slow the mails: suppress vote

Zoom invitation may be phishing scam: hackers using virtual com tools

Packages you never ordered scam: get seller to take it back—they stole your info to use

Are alternative energy firms a scam? Get a lawyer’s read first before you sign.

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

GA school kids will reignite virus shut downs: quarantine high school kids at home?

Israel learned best way to reopen schools/jobs: protection protocols

Re-opening no masks increases virus cases and deaths: 1,500 dead a DAY record!

IRS tax return center: help open paper returns: check is sitting there: You get IRS notice?  

Post office workers replace machine sorters:  $18.47 to $33.82/hour plus benefits

Who owns your account now?

Our regrets: 50 account/purchases we always regret: sleep on it before you buy

Bargains in home buying: foreclosures are cheaper but not for the novice buyer

Divorce rate for older folks is rising: know your rights, plan your future

Miracle:

Michelle Obama for VP: Biden is too weak without energetic non-political woman

Dems need a “very very nasty” and “disrespectful” VP to overthrow a dictator and mob.

White religious power still favors a dictator who put children in cages; brags about sins

40% people with virus have no symptoms: do they have the cure? Virus never dies?

FL no longer requires test for restaurant workers before serve you: Virus free w/ meal!

I believe the president of the United States: everyone else is a liar or traitor

Tens of thousands acres for oil and gas drilling was to be auctioned: we stopped Trump

Dogs may use Earth’s magnetic field to take shortcuts

Canada's last intact ice shelf collapses due to warming: FL gives sandbags to residents

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Why we don’t lose money when the market crashes

Why we don’t lose money when the market crashes

We bought our stock or mutual fund shares at a certain price. When prices go down, the market is said to have fallen. BUT, and this is the point, we did not lose any of the shares we purchased (unless we sold in a panic). In most cases for our broad-market fund shares, the value of our account will go up when prices go up again. If we didn’t sell in 2007-8 when the market index fell from $150 to $69, our same shares are now worth $330. Our fund shares represent our part ownership in real producing companies. IT IS THE SHARES that have value and if we buy and hold as Buffett recommends, we won’t lose money when the market crashes. Unless we have insider information, we don’t know when an individual stock we bought for $20 will go to $1 or to $200. Speculating on a certain stock price has been shown to be a Loser’s Game. Remember when sellers give us an ‘inside tip’ they only make money when we trade: buying and selling. Even if your broker gives you bad advice, it takes years to recoup your loses (IF you can prove it). Make a killing when markets collapse: buy when share prices, NOT shares, fall—when they are ‘on sale’ as Buffett advises. Just keep buying shares in proven winners.

Vanguard’s proven Top Ten: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

What can we do now that Trump says he will cut Medicare and Social Security?

Recently, Trump told the world he will cut Medicare & Social Security by “end of the year.” The GOP may actually do it since they passed his big 2017 tax cut for the rich. His tax cut for his tax-credit class only increased the deficit to $1Trillion. Now he needs to cut our benefits to pay for making the rich richer. What can we do now to supplement the cuts in our benefits in the future? Some have already started a tax-FREE account that they can use in retirement. Others have been converting some of their IRA money to this tax-FREE account. Future accumulations will not be taxed so these folks can make up for the cuts in benefits using the growth with no taxes due. They recognized early that the GOP would take our earned Social Security and Medicare benefits to pay off the deficit. The GOP is certainly NOT going to raise taxes on those who pay for their elections.

Build your own benefits fund: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle/dp/1466394285

Lower your tax: We can continue to contribute to deductible IRAs

Previously, we were not allowed to continue making contributions to Traditional IRAs once we reached age 70½. But the SECURE Act removes this age limit, effective this year. This could be beneficial for the growing number of people who are working past age 70 since they can now continue making IRA contributions indefinitely, thus enhancing their long-term retirement financial security. They can also make non-deductible contributions to their Roth IRA which is never taxes later. On the other hand, distributions from traditional IRAs must begin when we reach 72 up from age 70 1/2. However, the new rule does not apply to those already older than 70 ½ or turned 70 ½ in 2019 (born on or before June 30, 1949). Those individuals must continue or begin taking RMDs under the old rule. The SECURE Act effectively eliminated stretch IRAs as an estate planning tool. Effective for deaths occurring after December 31, 2019, funds from inherited IRAs must now be fully withdrawn by beneficiaries within 10 years of the account owner’s death. Exceptions for spouse and disabled. See a professional.

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

Why are annuities popular despite falling interest rates?

Sales of all types of annuities rose nearly 15% in 2018 over 2017, according to the Insurance Information Institute, with fixed-annuity sales far surpassing variable annuities. It is claimed that annuities protect us against longevity risk by promising a stream of income we can’t outlive. Now more retirees will be enticed by the annuity offer because the new SECURE Act frees employers from the liability of annuity failure. Unfortunately, many retirees will be convinced that their employer’s annuity choice for their pension income is the best way to provide it. The employer is protected from liability when the annuity-income buying-power is cut in half later in life: $500 a month now will be worth $250 in 20 years. The employer will not have to worry about the possible failure of its insurance company. The employer will not be concerned about an escalating inflation rate and rising living costs. Yes, retirees will have a guaranteed income but as it’s value decreases, retirees will have no alternatives to maintain their buying power. Retirees will be stuck with today’s low interest-rate income payouts.

Consider options: https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed-Low/dp/1466494573

How to negotiate when you have a dispute  

Famous FBI hostage negotiator Chris Voss says don’t compromise: there isn’t a real big difference between compromising and caving. Let opponent think your solution is their own so they own it. Accommodator’s demeanor is your competitive edge. You are listening to and getting along with everyone. Listen first: opponent will share things you would never know. Commiserate with their real fears: “sounds like you have been burned in the past.” Instead of getting to ‘yes’ getting to ‘that’s right’ creates agreement. Rapport allows opponent to feel comfortable sharing. Sharing frees them from feeling judged and attacked. Say: “It seems like I haven’t earned your trust yet.” Speak quietly. Empathize. Paraphrase what they just blamed you for. Instead of ‘no’, “How can I do that.”

Negotiate with liars: https://www.amazon.com/Confess-Things-Your-Advisors-Will/dp/1463712154

Complete your tax filing for FREE

If you meet certain criteria and have your documents already, federal and state can cost you nothing at https://apps.irs.gov/app/freeFile/. Another site has no income/forms restrictions: https://www.creditkarma.com/tax. The software helps you avoid common mistakes before you file. Even if you make a tiny mistake, the IRS usually catches it without penalty. I have used most of these programs for years even though my income is above the limits. Most charge nothing for the federal and state. Some charge only $12.95 for the state. In 2019, NJ has kept the ObamaCare mandate tax if you don’t have health care cover so that state return may get complicated. Once you file your first year, your previous years’ data is there and pre-fills your forms: Saves a lot of time and money. Try it before you spend $200-300 at a for-profit preparer. No refund due? File to keep your ID from scammers. Your W-2 should be sent to you by Jan 31 according to IRS.

Plan now for a Tax FREE retirement: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300 

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

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

Claim: Impeachment not possible because anything Trump does is in the national interest

Trump tells the world he will cut Medicare & Social Security by “end of the year.”

Trump promises another tax cut before the election despite rising deficits.

Trump to suppress book proving his extortion ‘high crimes’

How Govt wastes our money: Congress spends another 1.7 Trillion we don’t have! 

Trump wants to have us taxpayers pay for religious education of some kids: Constitution?

Trump allows states to undermine health coverage for poor with caps/block grants.

On this 75^th anniversary, would our soldiers defy the commander in chief if he gave an order to arrest without warrants all the people from ‘shithole’ countries?

Former Treasury Sec Summers plans to close rich loopholes/bump IRS not ‘wealth tax’.

SCAMS/SPINS:

Treasury admits reasons for tariffs were ‘trumped’ up for propaganda purposes

Jeff Carpoff CA caught wire fraud, money laundering $1 billion mobile solar generator

Alex Gierbolini caught making $2 million unsuitable sales over time to a wealthy client

Brian Simms IN caught making $1 million unsuitable sales

Edward Matthes WI caught stealing $2.4 million promised guaranteed 4% return

Jerry Szilagyi Catalyst Capital mislead investors lost $ 100 million risky deals

Kerry Wills caught ‘borrowing’ from client and taking $19,500 gift.

Citizens Bank RI caught failing to properly manage\respond to credit card disputes.

Some Americans have already voted for prez: our long process from 1800s out of date?

IPhone of Amazon CEO hacked by Saudis: Nothing safe from hackers: DO NOT OPEN

Ring and other apps sell your info to others: you gave app OK to collect info. Not sell it.

TrumpCare puts onus on you if your employer uses ICHRAs: you alone pick/pay for plan

Blue Cross to fund generic drug price cuts

Practice Fusion caught taking drug maker kickbacks to push opioids to docs

Jobs

Nurses, electricians, artists, mechanics, researchers for CA labor unions hiring

Bed Bath Beyond closing 40 stores: Macy’s closing 30 stores

Who owns your account now?

Lockheed Martin secures $1.9 billion pension plan buyout: pension now at insurance co.

IRS claims you have rights when you have to deal with them: no calls just letters

Miracle:

People die here: America’s concentration camps

NFL owner Benson pays lawyers to help hide child abuse by priests/bishop LIST

How did Billie Eilish win 4 Grammys: ‘song and record of the year’?

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