Retirees NOT forced to sell shares for IRS

Retirees may NOT be forced to sell shares by IRS

Congress passed the $2 Trillion bailout bill that may allow retirees to stop selling shares to fulfill the RMD requirements of their retirement accounts. While this measure and others would allow savers to keep more of their savings, waiving the RMD for 2020, the House bill would work in favor of those who don’t need to live off of their IRA or 401(k) retirement funds. This would benefit those who are not living off their retirement nest eggs at the present time. The RMD is calculated on the previous December account balances for all those over 70.5 years of age. We must pay taxes on the gains that have been cut drastically by the C-19 market sell off. To reach the amount specified by our RMD, we would need to sell more shares than we would have had to a month ago. Waiving the RMD requirement for 2020 would reduce the tax revenue this year. Taxes will need to be increased in coming years to pay for the additional $2 Trillion spent by Congress.  

Avoid the future taxes: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

My shares of stock and mutual funds are hanging on

I have increased my shares by NOT selling. The dividends I receive are adding more shares because the share price has fallen. Shares are on SALE. This is why Buffett is buying not selling. Buffett’s companies like Geico are still in business and collecting $ millions in premiums so he has $ billions to buy shares of Kroger, Delta, etc when the price is low for growing firms. Like Buffett I am buying stocks and shares of quality firms while they are on sale. They are on sale because of panic and the fact that some active mutual fund managers don’t want to end the quarter with a big loss. They will say they only lost 15% when the market index is down 25%. So they are selling at a loss which they can offset with some gains. I am not worried about my investment return number for the quarter. I am investing for future income and so when the price goes up, my shares will be worth more. And I will pay no taxes which will surely go up.

Buy shares on sale: https://www.amazon.com/Millionaire-Mutual-Funds-Save-taxes/dp/1534939490

GOP uses the virus to give their “friends and family” more of our tax dollars

Did they forget the last time: Big and reckless businesses got bailed out, with no one going to jail, while ordinary Americans lost their homes and jobs? The virus is just an excuse. Some on the right are calling it an act of God--the better to justify their support of massive government spending. One White House official said Trump “doesn’t give a [expletive]” about the plan’s impact on the federal debt. “It’s all about the markets and the economy for him. It’s all about the jobs numbers.” Re-election is the prime driver. The Senate Republican plan to send every household $1,200 for each adult and $500 for every child is an inefficient and ineffective way to stabilize the economy. It’s also a cynical ploy by Mob Boss Trump and the GOP to buy the next election. The better strategy is to get money into the hands of cash-strapped businesses that promise to use it to keep workers on their payrolls. A better effort would be to make sure states can pay all the laid off workers who will need the essentials. Unemployment insurance can’t cover the estimated 80 million workers out of a full-time job. The last time we had millions of unemployed we did something about it: we made work for them. We built buildings, schools, dams and bridges. Dams not coal make electricity.

Let’s avoid socialism for the rich: : https://www.amazon.com/Americas-Socialism-Rich-little-people-pay/dp/1535218584

It took 4 years for the stock market index to recover from 2008 lows

Depending on your portfolio profile, it will take time to recover from this stock market correction. If you use the stock market as your checking or savings account, you will suffer when you sell. If however, you are a long-term investor, just turn your head from the daily gyrations and BUY like Buffett. Last year the stock market gained 31%. The long-term average is still 11%. If you pay your advisor 2% you will have to wait a longer time. If you think of your money in terms of short- and long-term reserves, this correction has no impact on your ultimate goals. John Bogle, founder of Vanguard, said that you can control what you pay for advice not control the market. Giving away 2% of your long-term money will decrease your final accumulation by up to 63%. “Over a 50-year investing lifetime, that little 2 percent fee will erode 63 percent of what you would have had. As Bogle puts it, “the tyranny of compounding costs” is overwhelming.”

Let the ‘Bs’ guide you: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment-advice/dp/1523693045

Who got rich from the last bailout?

Your tax dollars are going to make many rich people richer. During the last bailout crisis, even the foreign banks and profitable firms got money they did not need. None of them said no. This time Boeing, which killed a lot of people from bad management, got BILLIONS of our money. The whole leisure class industry wants $ BILLIONS including The Boss’s hotels, golf resorts, and global properties. Most of those crying for bailouts had large surpluses from huge profits during the last 12-year bull market. They spent it on themselves—buybacks, CEO bonuses, more jets, etc. Remember, many of these firms have paid no taxes for years. Like The Boss, they have used every trick in the book to avoid paying their fair share. An unbiased analysis of this situation would be that America is a socialist country for the rich. We pay subsidies to profitable firms and have been doing so for decades. Subsidies to the elites is what American is all about. Even our Reps use info illegally. Lobbyists tell our Reps what to subsidize in return for election money. Why are we still providing oil, coal and gas subsidies to profitable companies? Trump pays farm/oil/gas companies when the market price falls. He promises agribusiness price guarantees and support payments to keep that group voting for him. The national debt has surged from $20 trillion to $23 trillion since Trump started. He promised to pay it all off. Instead he has made our tax yoke heavier in the future.

Reduce your future tax burden: https://www.amazon.com/Your-Tax-Haven-Tax-FREE-Americans/dp/1482659441

File your taxes for free

TurboTax and other for-profit tax prep firms are due to raise prices soon. If you have your documents, use your favorite software now and file your tax now for refund. The payment, if any, can be in July; the filing should not. Rumors confirmed: filing delayed to July 15. Check your state for deadline. The federal and state filing can cost you nothing at https://apps.irs.gov/app/freeFile/. Another site has no cost or restrictions: https://www.creditkarma.com/tax. And remember you can usually reduce income and thus tax by making a deductible contribution to your IRA. File now for refund: 90 day interest-free extension if you owe. https://www.irs.gov/pub/irs-drop/n-20-18.pdf

Filed already: refund status: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp

Save for a long life: https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

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

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

Mobster whining: "It cost me billions of dollars to be president”

Mob Boss: “I don’t take responsibility at all.”

Mobster: “I’ve always known this is a … pandemic.”

Mob Boss does not care what we learned from the last bailout.

Mobster on malaria drug: “So we’re going to pray from God that it does work.”

Mob Boss: We will give you “more than $1000 check, more later” (after my election)

Mob Boss: media wants to keep businesses closed “so I don’t win” in Nov.

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

Lobbyists for big business leading Reps around for bailouts: Socialism for the rich

Trump sends medical supplies based on his politics (Nov 3) not medical need. Helps N Korea

Recurrence likely: Trump promises END restrictions in 15 days to get jobs/economy back.

Leisure industry the last to get help: Unemployed, hospitals, food chain, medical workers first

GOP bill “bad news”: “bailing out the biggest corporations.” GOP: stock “futures down 5%”

Doctors nurses plead for medical supplies equipment: 1 mask must last 5 days!

If we are at war, why is Trump taking money for his luxury businesses? Private Jets?

Same companies that binged on buybacks are in line to receive taxpayer-funded bailouts.

Lobbyist make sure their corp get the bailout. Coal co. stops black lung payments?

CEO get bonus for winning special bailout: US bans travel so no flights to use bailouts!

Trump will be “oversight” person: bailout biz friends: ‘fox guarding hen house’

TX using health emergency to force women to have kids they don’t want

TX 2^nd gov would rather seniors die than let Wall Street go down. He has ObamaCare!

Glenn Beck wants older Americans to die to save his show and Wall Street

Who gets our tax money: $2 Trillion is borrowed from our future children/others.

3.3 million file for unemployment comp: 1938 3 million built 10,000 bridges, roads etc

OH gets just $2.1 billion to fight pandemic: Boeing $17 billion to bailout bad managers

SCAMS/SPINS:

One man—John Roberts—a Supreme, will decide whether we have (no preexisting) health care!

4 anti-worker GOP Senators try to kill unemployment funds in the $2 Trillion subsidies law.

These 4 Senators only work 133 days; $174,000 guaranteed: unlimited sick; full health care.

Senators ignore warning: gym & pool use while virus spreads shows stupidity

Why did Congress take vacation at this time of crisis?

What happens if you can’t afford the $250 C-19 test? Retreat to the desert/mountains

Guns and ammo sales up 1,000% in some states: people are scared and may kill you in fear.

Census questionnaire and virus bailout checks are NOT linked: Fake Facebook posts.

Supremes: mental illness not allowed as defense anymore: no one can claim insanity.

Brazil gov tries Trump ‘back to work’ propaganda and it flops

Donald Hunter CT caught fraud promised returns from new Alzheimer drug

Corey Eastman Devon Ortiz Julia Montgomery caught ‘grandparent scam’ on dozens.

Hammed Akande MO caught romance scam $700,000 24 seniors

Todd H. Lahr PA caught running Ponzi promised mining real estate returns

Mychal Kendricks NFL caught insider trading on tips from banker jail time

SEC allows failing funds to borrow money from sources not usually allowed.

Megan Hess Shirley Koch CO caught selling body parts & fake $1,000 cremations.

Brokers prompting buyNhold investors in ETFs to sell out: buying oversold stocks.

Insurers retain huge premium bonus as few accidents near zero claims from C-19.

Alexa recording lawyer/client info as more work at home: We can’t delete later.

E-skimming is type of card fraud: hackers plant code in online store takes your cc inputs.

15 Coronavirus Online Scams to DECLINE

GoodRx posted a statement it planned to stop selling your personal medical information.

Some corona cleaners do work: some don’t: fake claims for cures: jimbakkershow silver

China & S Korea report no new cases: True or False?

President of the USA says everyone back to work by April 12 just to save re-election!

I got Trump’s C-19 postcard telling me to stay out of work at home and no contacts.

Treasury Secretary: 3 million record unemployment claims are “not relevant”: he has job!

Immigrant physicians enlisted by Pentagon for medical skills are stuck taking out trash !

Fauci, virus scientist, says “many more weeks” and has been sent away like other experts.

AZ man dies from cure Trump claimed might work: Trump cure is hydroxychloroquine

More die from TrumpCure chloroquine poisoning around the world

Trump’s friends get tested while those at risk go without test and told to go back to work.

Jobs

NY, IL, NJ State to shut like CA: non-essential workers stay home

Walmart to hire 150,000 for corona surge: bonuses for some. CVS hires 50,000: bonuses.

Which colleges actually are worth the cost: few produce income high enough for costs

Bailout state unemployment funds: filings hit 2.25 million this week: Boeing can wait

Grocery worker coughed on by George Falcone now charged with terrorism!

PA shopper coughs on grocery shelves so market had to discard food: terrorist?

Some store managers are NOT telling employees about those with C-19. So it spreads.

Work from home computer hygiene: keep hackers out of your life line.

Who owns your account now?

Insurers are looking to protect themselves as financial ground cracks: they buy more insurance

CA: Wells Fargo, US Bank, USB, Citi and JPM Chase defer mortgage payments for three months

Family earning over $150,000 does NOT receive bailout money: Rich get better bailouts

Miracle:

How our hands evolved from fish fin! Amazing thing creation!

When we are really alone: survival is being human

Lost sense of smell and taste are peculiar telltale signs of Covid-19: first symptom?

Don’t see sickness in CA: Shelter in place means hunkering down at beach/boardwalks.

Streets are empty: we can walk without dodging cars/SUVs: save gas/no pollution!

States are tracking cells to verify social distancing: Big Brother watches for good or evil?

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Sell your stock or home without gains tax!

You can sell your long-held stock or home without gains tax!

If you have stocks that have gained a lot and now you fear selling because of the capital gains tax, one solution is to wait till your income is under $80,000 (MFJ). At that stage, the tax is 0%. To avoid future tax on this money, put up to $6,000 a year into a Roth IRA for each of you ($7,000 over age 50). If you have owned your home for a long time and now wish to sell, you can avoid the tax on $500,000 capital gains for joint owners. In most cases you don’t even have to report the sale and gain unless your real estate person files an unnecessary form. If your gain is over $½ million you can’t avoid the gain by doing a 1035 asset exchange. However, you can use the exclusion more than once.

Avoid future taxes: https://www.amazon.com/Trump-Tax-Shelter-Avoid-taxes/dp/1985448300

Is a charitable remainder trust a viable alternative to the Stretch IRA?

First name a charitable remainder trust as the beneficiary of your IRA to avoid the taxes due on your tax-deferred account. Second, name the trust beneficiaries, such as children or grandchildren, so they will collect the fixed payouts for life or for a set number of years. Third, name the charity to get what’s left (a minimum of 10% of the initial value of trust must be donated). Do the heirs have taxes to pay each fixed payout? Yes, just like inheriting an IRA except the tax can be paid out over a longer period of time. Make sure your trust is legal in your state.

https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

Insurers win again

Lobbyists for the insurance companies are most responsible for the end of the estate plan of leaving your kids your retirement fund, IRA and Roth IRA. Employers will ‘encourage’ their employees to buy an insurance product (annuity) to pay income to heirs over time. Insurers will be given $ trillions by retirees on the promise of ‘guaranteed funds for life.’ This ‘guarantee’ is what most people say they want. Trouble comes when inflation cuts the value of each monthly payment by HALF. Annuity benefits are set at purchase even when interest rates are low. Insurers will have our money whether we live for 30 years or 5 years. Some insurers will ‘pass away’ before their annuitants do: some heirs will get little. Employers receive a benefit too. They will not be liable if something goes wrong with the plan. We will be fighting an insurance conglomerate not our employer for the rest of our payout. We give up our principal even if we die in a year after purchase. Most annuities have no refund option.

Consider alternatives: https://www.amazon.com/Your-Retirement-Income-Checklist-TrumpWorld/dp/1544703260

Vanguard or Fidelity?

Study: Vanguard was able to run their funds in a more tax-efficient manner. The research clearly found that Fidelity was the winner on expense ratios. This was true across the board. The result is perhaps surprising given Vanguard’s record of historical cost leadership within the industry. Still it’s clear in the data that Fidelity holds the lead on fees. The researchers found that Vanguard funds were, on average, slightly more diversified. Generally, either Fidelity or Vanguard funds appear reasonable picks for most investors, with the investment strategy being perhaps the more important question. But the Johnson family still makes money from its clients.

Vanguard is owned by its shareholders: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Taxes: from you’all to the tax-credit class

Look at the effect of the tax breaks of 2017 and 2019: US increased the deficit to $1 TRILLION for the 1^st time. Billionaires and corporation pay less than we do: 17%-21% vs 32.9% for us. The social safety net for us is being cut: SS disability, food stamps, SS benefit reduction, loss of national free space, loss of clean air and water, loss of independent justice, loss of voting opportunities, loss of credibility in world. Subsidies to corporations going up with OpZone Zero tax plan, coal/gas/mining subsidies, bank subsidies, corn/farm/tariff subsidies, Boeing subsidies, ExIm bank subsidies, hedge fund subsidies. ZERO tax US corporations include Netflix, Amazon, Chevron, Delta Airlines, Eli Lilly, General Motors, Gannett, Goodyear, Halliburton, IBM, Jetblue Airways, Principal Financial, Salesforce.com, US Steel, and Whirlpool. There were 60 in 2018, Trump is the US authoritarian ‘socialist’ like Putin. All the tax benefits go to the top elite class just like in Russia. Like the USSR oligarchs, US oligarchs move their money offshore to avoid taxes. We already have socialism: those who have more pay least for American society. Working people pay 32.9% while rich pay 17% or less.

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

Why stocks are the best long-term investment even with market corrections

Warren Buffett has to be one of the all time successful investors. His company (Berkshire Hathaway) owns many other companies and the returns from owning its stocks are 20% double that of the market overall at 10%. Mr Buffett explains how he is successful in his letter to shareholders. It is worth reading because it is written in high-school level English not broker-speak. Most of his shareholders are not finance people. He explains how wealth is created by using compounded earnings. He explains why he is a ‘buy and hold’ investor. DALBAR, the firm that keeps score, shows that active trading investors earn just 3.79% whereas buy and hold index investors earn 10-11%. This is why the largest money managers have attracted more index investors from the brokerage business. Study after study shows that over time index investors who don’t trade earn more even in downturns. Sure, there are hedge funds that have done well during certain times but we don’t know which ones and when it will happen. Buffett put his $1 million bet behind his advice and beat 5 popular hedge funds from 2008 to 2017.

Trust Buffett: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

File your taxes for free

TurboTax and other for-profit tax prep firms are due to raise prices soon. If you have your documents, use your favorite software now and pay your tax due on April 15. The payment, if any, can be in April; the filing should not. The federal and state can cost you nothing at https://apps.irs.gov/app/freeFile/. Another site has no cost or restrictions: https://www.creditkarma.com/tax. And remember you can usually reduce income and thus tax by making a deductible contribution to your IRA. 

Save for a long life: https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

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

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

“I am chief law enforcement officer of the country”

We don’t need judges/juries anymore: Mob Boss will decide for US

His judges will carry out his wishes: One says abolish SS benefits.

Asks only HIS Supreme Court justices to judge him

Mob Boss getting all his felon friends/co-conspirators out of jail

I love wikiLeaks and I am giving him a pardon if recants.

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

How a bully out bullies a Mobster: Manipulation that puts Putin to shame.

Trump to cut disabled person’s $1,258 a month to pay for tax cuts to wealthy

Trump support falling: India has larger rally: cost US $500,000 for “official event”.

Trump says HE knows corona virus is “going to go away” by itself. CDC say spreading

Pence is now in charge of corona: he prayed during the HIV crisis in as Gov IN: asskisser

Trump explains why corona virus is another win for him: how he did it all.

Orlando police zip-tie 6 year old: tantrum passes in school: Teaching anti-police early.

Voters don’t know if ballots benefited another candidate: machines print code not name

$100 million to listen in on our phones: 2 terrorist leads found—no terrorists.

Voters don’t trust voting machines/process: will GOP Supremes pick Trump like Bush II?

SCAMS/SPINS:

Where your Walgreen dollar goes: absentee owners avoid taxes like our prez: overseas.

Bloomberg: I “bought” all the new House members: $100 million to fund campaigns.

Trump mob revives McCarthyism ‘commie’ list to remake gov with ‘Trumpists’

It’s so easy to make fake news that people can’t easily tell: Looks/sounds so real!

Supremes helped create Two Americas: One Nation Under Money Not God

Putin meddling in elections: like Wall Street, they disrupt both sides.

ICE National Police (Gestapo) watching all MD drivers w/o warrant: your state next?

Nazis go after churches, journalists: waffen founder Brandon Russell was arrested

Voters are desperate for a change from Mobster rule: what is democratic socialism?

IA still does not know who won in first primary caucus: premonition of convention?

What happens when you have TrumpCare: Hospital corona test $3,270 out of pocket.

Did the coronavirus leak from lab not jump from animals? China won’t say

Supremes say OK to shoot teen across border wall

Tesla death from bad software and driver playing video game

Pedestrian deaths up because SUVs, drug/alcohol use, weather, cell phones. 

Hubris: JPMorgan claims big enough for any storm: we had to bail them out in 2008!

Avoid a loss the Buffett way: don’t sell your shares—‘buy and hold’ not speculate!

Steve Seagal caught promoting bitcoin offer without disclosure of payments.

Dionne Van Zyl GA caught defrauding members of his Atlanta church: he is elder.

Face mask sellers push fears not stats on effectiveness: manufacturers’ material shortage

Refund held to check for scammed child tax credit or earned income tax credit. IRS2GO

Bank scam: imposter bank message to confirm a purchase and we move money to them.

Flexible spending account owners have until March 15 to use the money in the account.

ETF managers still get paid when ‘official’ commissions are ZERO.

Catholic charity founder engaged in “manipulative sexual relationships” with 6 women

U MI knew 40 years ago this doctor fondled patients but covered up with promotion.

Victims list expands: University sat on complaints from many athletes.

Jobs

Focus on the right stuff: magic is not enough these days

Trump’s staffer Mulvaney admits ‘we need more immigrants’ yet Trump wants less!

51% of employers still judge Job Applicants based on appearance: look the part!

Corp drug pushers paid $100,000 incentive to get US hooked on opioids

Former Gov IL and felon will appear at your birthday or event for $100.

Who owns your account now?

TurboTax buys CreditKarma

Miracle:

Antarctica melting is visible in just 10 days via satellite: no more snow on Eagle Is.

Earth bacteria turns space station water: bring your own water and face mask.

Corona found in CA patient with unknown origin: not travel not family unknown

Antilynching Act finally passes House after 200 years: will The Mobster sign it?

Baseball finally promotes black chief umpire: it has only taken 181 years!

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

New tax avoidance plan

New tax avoidance plans for the wealthy

The best and brightest have a new way for you to avoid your fair share: insurance. Thanks to our reps in DC, it is one of the few products that lets you grow your legacy tax FREE and give your family a big seed fund FREE. Now you can avoid estate tax too with a special trust. Insurance dedicated funds are great for advisors too—big fee; no redemptions. You buy a private-placement life-insurance policy. The insurer invests in alternative assets such as hedge funds. Profits are not taxed because of certain restrictions. Beneficiaries get money when you die. You can’t pick the funds but no one can know how your account is doing either. No tax on the growth or legacy means you can distance yourself from most American’s net worth even more. Your advisor does well also. Our reps and lobbyists made this loophole and they could fix it too.

https://www.amazon.com/Tax-FREE-Wealth-How-laws-free/dp/1475089236

Who benefits from TrumpCare bill?

1%--40% of 1Trillion tax cuts go to top 1% and increases deficit immediately.

            Trump tax windfall is retroactive to Jan 2017 for $250,000 or more incomes.

Insurers—create “sham” coverage policies: pay less; get less. No penalty on CEO pay.

            Trump promised: target pharmaceutical companies over drug prices Jan 2016

Congress people—GOP gives rich more money for tax shelters; Koch wants more.

            Congress gets to keep ObamaCare coverage and 10 essentials and preexisting.

Seniors—pay up to 5 times more for less care. Nursing homes will expel middleclass.

            Trump said: “lower numbers, much lower deductibles” Jan 2017

Disabled—Medicaid cut $600 billion so states will have to send disabled back to ERs.

            Medicaid cuts start 2021 so Congress does not need to deal with the crisis!

Trump said: "I am going to save Medicare and Medicaid”

Working poor—tax credit not cover cost of private market policy since most don’t pay taxes. Very little of state block grants will go to subsidizing coverage for Trump voters.

            AZ gives us prelude to what happens to you when Medicaid cut: people die.

Trump: "​I am going to take care of everybody. I don't care if it costs me votes or not," Trump said. “The government's gonna pay for it." Jan 2016  $3 million tax credit.

Most Americans don’t even know TrumpCare will change their lives dramatically. Maybe GOP wants TrumpCare to fail since mandate is GOP idea. Most Reps must vote party or lose seat next election from Koch money. AMA says NO: do no harm

Congress people KNOW these bills are bad for most Americans because they exempt selves:

Congress has exempted itself from TrumpCare—they get to keep ObamaCare protection!

Wealthy tax credit: $3 million per each uninsured death if passed

Take your tax credit NOW: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO-tax/dp/1539462382

Can your investment plan carry you to age 100?

Fastest growing age group: 85 to 100

Every year you delay costs you $100,000 later

Attitude and genes have everything to do with living longer. Many retirees work past our assumed “retirement” age. Many work because they love it; others because they have to. Most realize our early-in-life choices determine our financial fitness for the future.

            Example: invest just 10% from your first job onward and you will have enough later. A low-cost stock index fund has grown at 11% over time so your money doubles every 8-10 years IF you leave it alone to compound.

            You can use an IRS-approved trust that makes all your earnings FREE of income tax for the rest of your life. Social Security will cut benefits by 2034 and income taxes will have to pay for the deficit of $161,000 each. Taxes don’t go down for us. Only the rich can afford to cut their taxes by living off capital. You can die without ObamaCare.

Have enough to live to age 100: https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

Wealthy Koch network plans to buy elections with $400 billion

The end of the environmental protection, Medicaid, Medicare and federal safety net when we get sick or get old are the goals of the “killer” network. They will spend $400 billion to buy our elections and push their agenda—tax cuts for the rich and the end of regulations that protect us from accidents and environment devastation. Koch and their friends will continue to take federal and state subsidies for their coal and oil operations as they pollute our future water and health. Koch uses religious themes to help seduce evangelical partners like Trump lawyer Sekulow’s CASE. Koch drove KS to near bankruptcy with their no tax for business plan and want to do the same to America.

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

Is your advisor providing you with accurate information?

The number one reason investors pay advisors more than they need to is ADVICE. Yet 35 percent of investors are not confident the information they receive is reliable. 41% say they either are not provided with core information about performance or they do not know if they are provided with all information. Investors are paying for a pig in a poke. There is good reason we don’t trust financial information. Wall Street hides the facts and regulators let it happen—they get paid. Things are changing finally. Vanguard, the low-cost pioneer, has made it easier to see total costs clearly. People want info: simple and readable. Bogle, the founder, created transparency by eliminating the middleman. Vanguard funds are owned by us investors; not Wall Street gurus. All costs (fees, commissions, loads, charges, and trading) are listed on the first page. You don’t need a broker or advisor. In fact, their fees etc could take up to 63% of your money over time. If you are invested for the long-term in a market index, you will earn the historical return of about 11% not the managed rate of 3.79%. When your advisor tells you that they can get a better rate, ask for proof. 90-95% of managed funds earn less. Costs are the best predictor of success—low cost means we keep more. Remember, when your advisor moves you out of the total market: 3 market days account for 95% of annual market gains—trading is dangerous to you; not them. The best trick is when they cherry pick the dates to compare to a benchmark or use start up fund returns.

Forget professional advice; avoid sales hype: https://www.amazon.com/Our-Tricks-Trade-beat-Street/dp/1490475362

10 highest rated and lowest rated cars of 2017

Consumer Reports says Toyota iA is rare in that it’s a safe, reliable, fun-to-drive entry-level car. It’s also CR’s highest-rated subcompact. The Cruze is the best-selling Chevy car in the world. Prius and Miata best in class. Kia Optima with fewest problems. Impala is the modern version of the classic highway cruiser. Top small SUV is Forester; large is Toyota Highlander. The Audi Q7 beat Tesla S. Finally, the Honda Ridgeline is just right.            On the other end, we have the 10 worst: Mitsubishi’s subcompact Mirage, Mitsubishi MiEV, Fiat 500L, Chrysler 200, Toyota Tacoma, Dodge Journey, Mercedes CLA, Maserati Ghibli, Rover Discovery Sport, and Cadillac Escalade.

Yes, there are stick shifts still: http://www.cheatsheet.com/automobiles/stick-shift-10-cars-and-trucks-that-still-have-a-manual-transmission.html/?a=viewall

Trump can create jobs if he wanted to

After Trump promised to save jobs and Carrier got $7 million from IN, the jobs are going to Mexico. Same story at Boeing where Trump boasted about saving jobs: Five months ago at a Boeing factory in South Carolina, President Trump proclaimed, “We are going to fight for every last American job.” On Thursday, workers at the North Charleston plant learned they’d soon face layoffs. Boeing on Friday issued 429 new layoff notices to union members in Washington State. 12,000 jobs went overseas since The Don took over. In this economy, change is the only constant. Business can’t be forced to keep $25 an hour jobs when $3 overseas. Jobs are created when new tech provides whole new markets to blossom. Electric cars /appliances are the future and they need batteries not more oil.

Despite putting money in coal jobs and canceling the Paris accord to reduce warming, Trump ignores jobs created in renewables—solar, battery, wind. As sea levels rise, jobs in coastal infrastructure are needed. The Don should be encouraging the growth trends: jobs with the highest growth between 2014 - 2024. Not all need a college education. Yet he cuts the retraining programs in coal country and around the nation.

Prepare for TrumpWorld: https://www.amazon.com/Your-Retirement-Income-Checklist-TrumpWorld/dp/1544703260

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TrumpWorld

Goal: Everyone knows the Trump brand around the world

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

Trump’s business success is mostly myth he created in media

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: 1% receive 21% of all income

Trump is still just a mafia 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

His threat of tapes was BS just like all his tweets—no wiretap, no fraud voter! Erased?

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

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

Trump is not concerned about Putin hacking elections bec/ it does not hurt his brand.

Putin hacked 39 state’s voting systems but we have not searched for vote changes.

Trump says collusion is not a crime—yes but aiding/abetting the enemy is!

Russian lobbyist Rich Burt helped Sessions write Trump policy speech in mid 2016

Sanctions for Putin invasion Ukraine cut by oil lobby: Putin invasions OK with US.

Immigrants do NOT commit more crimes than our citizens—ICE director Homan

Lawyer Kasowitz’s clients include Russian bank and oligarch close to Putin, Manafort.

Mueller is now examining whether Trump tried to obstruct justice. Comey, Rogers, Coats

Trump still does not think Russia interfered in election despite 16 US agencies reports

GOP protects Russia against more sanctions. Trump must owe Putin a lot of money.

TrumpWorld – using presidency to make money the old fashioned way: theft

Toronto hotel paying Trump $millions to get his name off the building. Failure 24

The Don’s winter palace MaraLago doubles profits--rich can watch prez in action

US pays rent subsidy to Trump, a public housing owner in Brooklyn. Only he can keep subsidy. The Don is already raising money for 2018 IN HIS OWN HOTEL.

Is Trump giving business people a bad name?   Liar in Chief

Warming real; flooding in FL often so Trump paying for pumps at MaraLargo

Dow Chemical convinced Trump’s EPA to support toxic Dow pesticide despite proof

Ivanka stole shoe design? Chip off the old block—Trump Tower workers unpaid.

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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!

Supremes ruled that states can't exclude religious organizations when distributing grants.

Supremes ruled your religion/hospital plan has no protection from fraud, discrimination.

NV law bars brokers/advisors from giving you advice contrary to your best interests

Prime Credit, IMC Capital, Commercial Credit caught fraud on clearing credit problems.

ME law REDUCES min wage so restaurant servers keep greater tips NET takehome pay

Trump’s EPA to support toxic Dow pesticide despite proof it hurts kids

Trump paying for pumps at MaraLargo--Warming real; flooding in FL Ignores America.

Ford recalls 400,000 Transit for cracked driveshaft sheers brake and fuel lines.

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?

Police miss killing dogs and kill teen.

White police shoot black police—“kill, ask questions later” White: “I feared for my life”

Judge says OK to use 100 rounds to kill people—CA law abandoned. Criminals lovin’ it.

SCAMS:

Avoid scams: Check Complaints before you buy! This is the list GOP wants to cancel.

Trump made TIME mag front cover of himself and publicly displays it--Heil mein Führer

This is where Trump gets his ‘news’: Government sending children to Mars

Ignoramus Award:

Veterans who served to be expelled—Pentagon promise to immigrants--another LIE

North Korea: Trump's 'America First' policy is like Nazism 

Man killed as wife DIS-proves that bullets CAN’T go thru books—too much free time. 

Woman thought throwing coins in airplane engine gave her good luck.

How our government wastes our money:

We pay subsidy to use corn for gas: gas prices fall on over supply of oil we also subsidize

Trump fake conspiracy of voter fraud hits wall—CA says no voter records for BS study.

Where have all the jobs gone?

Pensions frozen for 70K UPS workers, like DuPont, Lookheed for CEO pay boost

Retail stores closing Macy Penney

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:

Total strangers give TX worker who walks 3 mi to work a car to reward commitment

Total stranger helps FL police find missing child and Samaritan run out of town as evil

            Police ask social media users “to identify the source and validity of such claims”

Steve Colbert announced for US president in Russia to cut out the middleman

IAN

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