Are the zero fee ETFs for you?

Are the zero fee ETFs for you?

When marketing firms claim it is free, BEWARE. New firms are promising 0% expense ratio. Read the small print. ETFs were created by brokerage firms to make money on the ‘index’ trend started by Vanguard. Vanguard is sold directly and traders are not welcome. So brokers/advisors can only make money when you trade an ‘index’ they offer. Because of all the money moving to Vanguard for low fees, brokers are hurting. Brokers need fees so note that there are brokerage delayed or hidden costs. Although an ETF may have no expense ratio, the trading cost of that particular fund may be exorbitantly high. Beware the bid/ask spread for newer funds. Beware the tracking error. Zero-fee funds lack a performance and fee history, making it impossible to gauge their tracking error. Beware the promo price. Fees are temporarily waived: investors will start paying full freight after the fee waivers expire. Once they have your money, they may impose 0.30% or more and you have lost your advantage over Vanguard’s 0.04% stable non-profit structure. Brokers are in it for the money. Pay less; earn more, over time.

Buy the Best: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

Trump’s new tax avoidance scheme clarified

Trump’s mob has been working hard to make this tax avoidance plan, called “opportunity zone,” a success in time for his 2020 rerun for Prez. Investors previously shied away from developing ‘distressed’ areas, Trump said, but when they see tax rates “all the way down to a big, fat beautiful number of zero” they start “liking the location.” Nothing gets the election momentum going like the promise of ZERO taxation to his wealthy supporters. The fact that the rest of us are going to have to pay more to cover his ZERO tax plan for the rich, won’t occur to his political base. Momentum is a powerful tool for an incumbent candidate. Investors claim the breaks by taking capital gains income they’ve earned previously and spending it in the distressed areas. This provision allows them to defer those tax bills until the end of 2026, and it can reduce the total amount of tax they owe. New investments in opportunity zones can grow tax-free if investors hold them for at least a decade.

Make your earnings tax-free too: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

High schools could teach this one chart and correct financial IL-literacy.

$200 a month for 35 years in low cost stock funds = $1.2 million 

My former industry, financial services, could release our schools to offer a basic course in investing but they don’t. For most young Americans just beginning to save in their first jobs, this ‘education’ could be their real life saver. The chart illustrates the Miracle of Compounding. Using a simple analogy of buying a part of all the companies they know, they would see the real returns of asset accumulation. If it is true that most of us don’t have $5,000 saved for retirement, this chart could change our attitude. Understanding that investing just $200 a month could make the difference in the future of the American Dream for many. A simple low-cost stock index fund would be the foundation of their investing strategy. Warren Buffett has proved that most us would be better off if we had learned this simple truth early in life. However, schools are run by political people and they don’t want to rob the industry of their future $80 billions in annual trading revenues. Forced savings (our tax refund) could be an answer since the average refund is $3,000.

$1 million in 40 years: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

Is ‘direct indexing’ right for you?

Change the name and brokers and advisor can sell it. That is the conclusion some investors are coming to. Financial industry has tired of promoting ETFs so they came up with a new name for selling stocks. ‘Direct Indexing’ is just buying a bunch of stocks. The new name is to capture new clients who never realized that you don’t pay capital gains if you don’t sell your securities. If you just buy and HOLD securities (Warren Buffett’s strategy) you can avoid the capital gains of mutual funds. Further, if one of your broker/advisor’s picks goes bust, you can sell for a loss against a gain. ‘Tax-loss harvesting’ is another benefit they claim. DI can shape the outcomes that each client’s goals require, they claim. So what’s old, is new again. Follow the master investor.

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

Are these ‘worst’ vehicles right for you?

At the bottom of the list of 32 worst new is the Acura RLX, Caddy ATS, Chrysler 200, Suburban, Dodge Journey, Dart, Ford Fiesta, Focus, Infinity Q50, Cherokee, Compass, Patriot, etc. At the top is Fiat 500X, 500, Grand Caravan, Acura ILX. Unless you don’t care about reliability and projected durability according to JD Power and Consumer Reports, stick with the Best Used list by type, user and price: https://www.carmax.com/articles/best-cars-ranking

Take all your discounts: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Can you live on 80% of your SS benefits?

In 2035, SS trustees say we will begin receiving about 80% of our current benefits. Congress is not likely to fix this shortfall since it would require radical change—taxes and or age change. For those earning over $133,000, the FICA tax ends. As Warren Buffett and other wealthy people say, “I'll probably be the lowest paying taxpayer in the office." Clearly, Mr Buffett will never need his SS benefits. But since the average worker’s real wages go down and their boss’s keeps escalating, the answer seems obvious. Ending the cap on FICA tax for the wealthy would help save SS benefits. Workers’ wages have not kept up with their boss’s nor with inflation, so inevitably, they will have to rely on SS benefits MORE, not less. Few working families can afford to create a retirement income to supplement SS benefits. Fewer businesses offer a paid pension and health care package. More retirees keep working—since 2000, more men and women work. Since most of us are not familiar with the miracle of compounding, we don’t realize it is time, not huge savings that make the difference in the total nest egg we could create. $16,000 grows to $1million. Schools can teach it!

Use compounding to help: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513

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Make America, “The Don”, Great Again

Senile Psychosis or Parkinson’s delusions? quetiapine and clozapine

Truth isn’t truth, his lawyer says

“The campaign -- for him -- was always a marketing opportunity.”

Two Americas: A Banana Republic? Do we really want an infant king? Daddy Putin!

Will voters who need ObamaCare vote for it?

Can a mob boss snub Congress?

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How Govt wastes our money: Congress spends $1.3 Trillion we don’t have! 

GOP Tax Cut. The cost of interest on the national debt runs $896 million each day.

Your portion of this debt is $65,600: Avoid the future taxes to pay the debt and interest.

Congress continues to allow our opioid addiction WV ‘killing fields’: heavy promotions

SCAMS/SPINS:

Trump’s Treasury Mnuchin etc sued by Sears to retrieve ‘stolen assets.’

Russia has your vote, thanks to Don: Between hacking machines and media, no defense.

Trump has taken health insurance from 1 million Americans “The party of health care.”

Trump fails to back ‘violence against women’ resolution again. GOP OK with abuse.

National Asset Management caught breach fiduciary duty: wild trading—fine, no jail.

Robare Group caught failed to disclose conflicts: ‘kickbacks’ on sale of Fidelity funds.

"Jeb" Bashaw, star TX broker, caught ‘borrowing’ client funds—fired but no jail

Scammers as CEO tell HR to send your pay to their bank: Watch your D Deposit close.

Prosper Funding online lender caught overstating returns: fined $3 million, no jail

Fiat recall 2013-16 320,000 Dodge Dart: rolls away by self; defective transmission cable.

BEWARE: DNA test not accurate test for cancer—90% are wrong! Then steal our ID.

It took 32 kids’ deaths for Fisher-Price to recall “Rock ‘n Play Sleeper”: capitalism kills.

Professional opioid drug pusher charged finally: killed 400,000 of us since 1999. 

Some 11 brands of bottled water with arsenic have been sold in stores; stick with tap!

8,000 Boy Scout leaders have been accused of sexual abuse: law ignores so no jail time.

Parents robbing kids of mature independent future. Will the kids take care of parents?

MyPillow caught using fake research to claim ‘better’ sleep: fine is just cost paid by us.

Caddy headlights may not work: Buyers never told like ignition switch; GM knew.

FL GOP says you must pay court to vote.

GOP near WH:  “A normal person would have been indicted for this.” ‘obstruction stuff’

If you ignore Congress subpoena or a Trump judge’s order: Trump as dictator.

Mueller ignores Mob Boss family Russia deals: OK to conspire with enemy & obstruct!

1. “Russia, find Hill’s emails” 2. Don’s Mob made Russian deals 3. Russia tricked voters 4. Polling data payoff 5. Special Russia deals 6. Fire FBI 7. Refuse give testimony.

REDACTED Mueller Report here: https://thehill.com/policy/national-security/439485-read-muellers-redacted-report: tell lawyer to stop probe, stop probe, mislead public.

Trump: ‘nobody disobeys my orders’ except when unlawful, he forgets, it’s Ivanka.

The Mob Boss can never go to jail: Trump has Kava as Supreme so no indictment.

‘No man is above the law’ … well up till now. Dictators nullify courts first, then votes.

Supremes protect Don’s ‘Orders’? – GOP: ‘Sure, pres can change Constitution anytime.’

Jobs:

Some employers offering more education benefits: where “you can thrive.”

In 1975, 60% of workers eligible for overtime pay: today only 6%. Trump to cut more.

Who owns your account now?

Is Jeopardy fixed? Gambler knows everything: memorize the cheat sheet?

Half of all mutual fund investments went to Vanguard: low-cost =  earn more!

Miracle:

When you say “I can’t do it,” remember Sara, winner national handwriting competition.

Philip Morris sells ‘death’ sticks AND now life insurance. How’s that possible?

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Trump gives Carrier our tax money for HALF Mexican jobs

Trump takes credit for Carrier jobs paid for by our taxes

The Don is taking a victory lap after giving more of our taxes to Carrier and its parent United Tech. Did he really make the largest Pentagon contractor stop sending jobs to Mexico as he promised? While he is touring his supporters, we find out that he did NOT stop corporations from outsourcing our best-paying jobs. It cost us over $50 million in tax breaks to United Technologies. Tax payers in IN also gave Carrier $7 million in tax breaks to retain HALF the workers but not the furnace jobs sent to Mexico. United Technologies will still close its Huntington, IN plant that employs 700. Carrier already built their Mexico factory and pay $3 an hour there. This deal is like the state socialist subsidies to other corporations. That is $7000 for each worker. But how many firms can IN keep paying to stay in US? Our “reps” in Washington have created state socialism for America’s largest corporations. There is a reason for the 10,000 highly-paid lobbyists in Washington. Corporations pay about $3 billion a year to keep our tax dollars flowing into the hands of profitable businesses. How long can America’s Socialism for Rich survive?

Use your tax credits to avoid paying corp. subsidies:  https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

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: And while middle-class families as a whole would receive tax cuts of about 2 percent, they’d be 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. Jobs are created when the middle class has money to spend. Wealthy have all the yachts they want. They are spending the tax cuts on art not jobs. 

Use your own Tax Shelter: https://www.amazon.com/Tax-Shelter-Young-Americans/dp/1500426520

GOP won in WI by 27,000 votes but 300,000 barred from voting

“The damn Republicans,” he said, “don’t want Latinos and old people to vote.”  The stories are heart-wrenching. 85 year old with expired (1 week) license was blocked. In TX, 12.8 percent of registered voters who didn’t vote in the election cited lack of required photo ID as a reason they didn’t cast a ballot, even though only 2.7 percent of registered voters actually lacked an acceptable ID. On Election Day, there were 868 fewer polling places in states with a long history of voting discrimination, like Arizona, Texas, and North Carolina. 868 voting places closed since 2014 in 14 states. GOP claims voter fraud but only 4 cases found for elections. The Don knew it was rigged and kept saying he would win despite the polls.

Trump election is void—he claims millions voted illegally. Millions of Dems were kept out of voting places. His election is not valid. Most people voted for Dems.

We Americans are not stupid enough to make a psychotic con man President of the US.

Where do you find an unbiased financial advisor?

If you have been wondering why your account has not been accumulating in the last few years, it could be that your advisor is just moving your money around in bad performing funds so they can justify fees. Remember, no one can predict the future. In most broker statements, the costs for each fund are not shown. You see the net AFTER the securities’ fees. Your advisor fee may be low—0.020%—but each investment they put you in has fees which come off the top and so are not shown. If your advisor has you in funds that take 2% a year (fees plus transaction costs) your account may show some gains and some losses but over time your account total may not progress much. If a simple balanced fund using indexed stocks and bonds has risen 45% (stocks 58%) in the last 10 years, and your advisor’s choice of a Franklin fund was -14% (it was up 9% at 5 years), you need to make a change. Statements usually don’t show a direct comparison to a benchmark like Vanguard’s Balanced fund, but you can compare your results yourself. If your account was $50,000 10 years ago it should be up by 6.78% a year or $98,000 now. Your Franklin and the balanced fund both went down twice in 10 years. Broker firms have to take their profits. Warren Buffett is an unbiased advisor. Maybe you should try him.  

Use Buffett’s strategy: https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963

GOP cutting services to poor: Socialism for the Rich?

TX has decided to cut Medicaid payments for disabled kids. Opponents argued that the cuts would disrupt care — including speech, physical and occupational therapies — for tens of thousands of kids especially in rural areas. "Our most vulnerable children and their struggling families should not bear the brunt of this shortsighted and cruel budget decision," one critic complained. New Attorney General Sessions thinks our federal protections for students with disabilities was a reason our schools were failing.

Protect your family from cuts by our “reps”: https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

Is your charity right for you?

How much of your gift goes to the work you intended? How much goes to fund raising and leader’s salary/bonus? Some spend 87% of your donation on themselves and their fundraising operator. Check http://www.charitynavigator.org/index.cfm?bay=topten.detail&listid=28

Others like the Children’s Aide Society spend 87% on helping children.

https://www.charitynavigator.org/index.cfm?bay=search.summary&orgid=3480

What is your charity accomplishing? Check http://www.givewell.org/about to learn how your money is spent to solve certain specific problems, like parasitic worm infections treatment in African. Charity as business expense. Give employee education. You can also put your grandkids through school.

Make sure you have enough first: https://www.amazon.com/Your-Retirement-Spending-Plan-enough/dp/1461084016

Expect value of your Trump stocks to increase

Since The Don does not disclose, best guess is that he owns Apple, Ford, and millions of dollars worth of shares in oil and other energy companies that could stand to gain if he follows through on promises to loosen environmental regulations and pursue more drilling — including Halliburton, ExxonMobil, Occidental Petroleum and Phillips 66. Energy stocks have already moved up in 2016. Obama opened many drilling areas so this sector may have peaked with the recent OPEC deal to cut production. If Don goes after Apple’s $ billions overseas to collect back taxes, this may lower its value in the short term. Since it is likely that Don’s kids hold similar positions, his decisions may push these holdings higher during his reign. He will make sure his family does not ‘suffer.’

Energy sector is one of the Vanguard Top Ten: https://www.amazon.com/Vanguards-Top-Ten-mutual-funds/dp/150073909X

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 

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.

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

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

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

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, 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!, Taxpayer not private guards at Trumpworld,

The Trump Presidential Style

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Actual outcomes: (“So much for draining the swamp”)

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

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

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

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

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

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

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.

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.”

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.

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

Steve Bannon, WH chief strategist (spin doctor), selecting his campaign CEO, former Breitbart News chair, accused of white nationalist. Many condemned him for "aggressively pushing stories against immigrants" and his association with "unabashed anti-Semites and racists." The characterization of Bannon himself as anti-Semitic, racist, and white nationalist has been based mostly on articles published at Brietbart News, an alt-right news website. What to expect from Don (Steve): http://www.forbes.com/sites/ellenkilloran/2016/11/14/steve-bannon-and-breitbart-news-why-everyone-but-the-alt-right-fears-trumps-top-adviser-pick/#21e9751b504f

Jeff Sessions top law officer, was rejected for judgeships by GOP because racist remarks:

Sessions had referred to the N.A.A.C.P., the Southern Christian Leadership Conference and other civil rights groups as “un-American” and “Communist-inspired.” An African-American federal prosecutor then, Thomas H. Figures, said Mr. Sessions had referred to him as “boy” and testified that Sessions said the Ku Klux Klan was fine “until I found out they smoked pot.” He does not like the Voting Rights Act and the stringent oversight it placed on Southern states. He was rejected for a judgeship by the Senate in

Steven Mnuchin, Treasury, former Goldman Sachs, hedge fund, (Clinton, Bush II, Obama all had GS masters of the universe). (“So much for draining the swamp”) Will write tax law for brother billionaires. Long family ties to GS. Active in mortgage-backed bond trading which brought down our financial system. GS created the packages of bad loans, sold them and then bet their own money that they would fail. Mnuchin is a “very smart guy,” Lloyd Blankfein, chief executive of Goldman Sachs. Yes, and got rich from all the home foreclosures. Using wealth to steer political decisions. Disputes Trump plan

Mike Flynn, national security adviser, thinks that Shariah, or Islamic law, is spreading in the United States (it is not). His dubious assertions are so common that when he ran the Defense Intelligence Agency, subordinates came up with a name for the phenomenon: They called them “Flynn facts.” Flynn thinks Putin is an ally in fight against ISL. He worked for Russia Today, a Kremlin TV network. He was leading chants of “lock her up” against Hillary Clinton at rallies for The Don.

Mike Pompeo, CIA director, House Intelligence Committee, gained prominence for his role in the congressional investigation into the 2012 attack on the American diplomatic compound in Benghazi, Libya. He was a sharp critic of Hillary Clinton and thinks there was a cover-up. When the committee found no new evidence of wrongdoing by the Obama administration or Mrs. Clinton, Mr. Pompeo and Mr. Jordan filed a 48-page addendum that included far harsher criticism. Regarding the Iran anti-nuclear agreement, Pompeo thinks we should “walk away from this deal.” He has ties to the Kochs, the billionaire conservatives whose Koch Industries has provided his funding.

Mad Dog Mattis, Defense, life-time Marine, led our attack on Afghanistan after 9/11, worked with NATO. Defense is a civilian position never intended to be a kind of Joint Chiefs of Staff on steroids, and that’s the biggest single risk tied to Mattis. Congress must overlook the law for Mattis. Think Col Jessup in Few Good Men.

Wilbur Ross, Commerce, known as the king of bankruptcy for his investments in distressed properties, since he fires workers to make profits in restructuring, especially in steel (LTV). He got investors to accept Trump as Taj head for bankruptcy. Famous as “vulture” investor at Texaco, TWA, Continental. 

Tom Price, Health care, was House Budget Committee Chair. He wrote GOP alternative of tax credit vouchers you use to buy your own policy if you can find one. “We think it’s important that Washington not be in charge of health care,” the six-term congressman said in an interview this summer. “The problem that I have with Obamacare is that its premise is that Washington knows best.” Before ObamaCare, high cost insurance could be deducted from your taxes. In effect, we will buy our own coverage without the guarantees that it meets minimum standards. Insurers will not have to offer a policy at an affordable price. The rich can obtain tax-FREE savings in a health care account.

Seema Verma, head, Medicare and Medicaid was a consultant to Mike Pence who negotiated Medicaid deal for IN. Medicaid in IN enrolled many of IN uninsured families.

"KT" McFarland, deputy national security adviser, is a Fox “News” commentator. She was deputy assistant secretary of defense for public affairs under President Ronald Reagan and between 1982 and 1985 as defense secretary Caspar Weinberger's speechwriter and spokeswoman. She was the “spin doctor.”

Myron Ebell, EPA, is a climate-change denier who directs the Center for Energy and Environment at the Competitive Enterprise Institute. The group's website, SafeChemicalPolicy.org, exists to downplay the health and ecological impacts of chemicals. “Pesticides aren’t bad for you.” “Honeybees decline not linked to pesticides.”

Betsy DeVos, education, a billionaire philanthropist with deep ties to the Christian Reformed community in Michigan. She is known for reforming public schools by funding private schools (vouchers) with tax money. Heir to Amway and Clinton Foundation donors, the DeVos said Trump “does not represent the Republican Party.” 

Elaine Chao, Transportation, McConnell’s wife, former Labor head for Bush II. She will lead Trump’s plan to rebuild the nation’s infrastructure. He promised to rebuild bridges, roads, etc, spending $1 trillion if McConnell and Ryan let him.

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

GOP hates women as much as black men.

Axmen: Kushner, Giuliani, Sessions, Carson, Russian Manafort, cabinet

Enemies List: Clintons, Ryan, Graham, Cruz, Rubio, Bloomberg, DeBlazio, Gold star Kahns, NYTimes, NYPost, WashPost, Univision, Megyn Kelly, judge and claimants in Trump U. case, women accusers, Trump canceled brother’s insurance, Christie (for humiliating Kushner dad in 2005), Christie sued over shutting Fed property.

Tolerance is un-American now? 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!

Police chase kills 3: Hackers could stop the car by remote and keep innocents alive

Comma.ai free software kit can turn any car into an autonomous vehicle and stop it.

Will Allen, former NFL, caught defrauding investors in a $31.7 million Ponzi scheme.

Valic Financial caught misleading clients from annuity to fixed fee advisors.

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?

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

SCAMS: TX elector can’t vote for Trump on Dec 19—not “biblically qualified”  “voting for Trump would bring dishonor to God.”  Are any in Washington ‘biblically qualified’?

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: Trump admits millions voted illegally so his election is void?

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. 

Where have all the jobs gone?

Man walks by armored truck takes $1.6 million gold right under nose of distracted guard

Factory jobs paying $30 per hour go to $3 per hour countries.

Require all stuff imported to be made here like Toyota, Honda, Mercedes, etc.

Who owns your account now?

Miracle: 8 month old ejected 30 feet from crash found in drain without a scratch!

IAN

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