Your Wealth Reserve: college costs

Showing posts with label college costs. Show all posts

Friday, September 2, 2022

Where did your advisor leave you?

Great savings ideas to beat inflation

The Feds tell us that reducing inflation is harder than running it up so let’s get ready for the long haul. My grocer has not shown signs of reducing their markups in everything. My house-brand can of French cut beans went from 68 cents to 99 cents in one week this spring. As with drugs and other commodities, the middle persons are probably making the extra 31 cents. I don’t think the farmers or pickers got much of the increase. We save by using the house brand for all things. You could move to a cheaper town if you find a job. For car and home insurance, we save by raising our deductible since most risks have a low probability. Some of us save by going directly to the manufacturer to buy our coverage and our needs. Since this is not always the case, you must shop and buy only what you need. The largest potential savings comes from ending credit card debt fast: my card charges 29.99% (mob rates) if I don’t pay the monthly balance on time. One of the largest savings has come to folks who gave up on their broker/advisor and go directly to Vanguard. Vanguard is unique since the firm itself is owned by its own users. It is responsible for the largest savings for many of my readers—saving 1-2% of a portfolio over time is hard to beat. Avoid $10,000 or more EVERY year for an advisor. Some readers pay a one-time fee for planning advice. In order to save a lot, you will need to go through your expenses item by item.

Save for now and later: https://www.amazon.com/Save-3000-every-year-Buy-Only/dp/1500681571

Where did your advisor leave you?

Buffett bought more energy stocks as the market fell this year. If you are a long term investor you can weather the storm. Buffett has been through this all before. What is his answer: buy when stocks are on sale. This makes sense but this is one of the hardest things to do when stock prices fall. World's greatest investor's retirement advice: Avoid “high-fee managers.” Retirement income for life from 2 Vanguard funds he recommends. Warren Buffett's will provides for his family by directing that his cash assets be invested in just two Vanguard funds: One will provide cash for the coming year and the other will provide a sound future. The best way to protect your family's future is to be invested in the stock market. Pure and simple. When you have stock assets, your money compounds at higher rates when your account fees are 0.01-0.05%, not the retail rates of 1.5-3%. You don't have to settle for retail products that are structured to provide the middle person, Wall Street with higher revenues. The average investor earns just 3.79%, not the 10-12% market rates. (QAIB) Don’t be an average advisor funding machine.

Trust Buffett: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

Alternatives to high college costs

A trade could pay better and cost less to succeed. An electrician can make $131-215K and work at a brewery. The electrician that came to our home charged $200 just to visit. The Sears-affiliated service tech took us for $750 to fix our washer. My relative is a traveling nurse and gets to see the world free while earning up to $4,900 a week. If you have no intension of running up student loans, fortunately some corporations actually pay for your training too. If a trade is not right for you, what about dealing with people? Many jobs pay very well if you must deal with ornery customers. My first job was electrician helper during the summer and I made more than my father. More companies are giving jobs to robots so time is running out.

Be creative: https://www.amazon.com/Money-Ball-Investing-Winning-unfair/dp/1548831409

Top investments for taxable accounts

We can’t control how the markets behave or the rate of inflation, but we can manage taxes. Your advisor may not consider the taxes you will have to pay when they suggest a strategy or a security. But taxes can substantially reduce your income especially over time. If your current income is under $100,000, you are better off paying tax now and investing in a tax-FREE account. Long-term, your savings can be huge. Investing $250 a month during your working years can provide $1,000,000+ and it can all be tax-FREE. This account can also save you paying income taxes on dividends and interest annually as you would on mutual funds and securities that throw off dividends and interest every year. Further, you do not need to pay taxes on securities with huge capital gains until you want to use the money. Stocks like Buffett’s Berkshire Hathaway pay no dividends so there are no taxes to pay until you sell.

Simple is best: https://www.amazon.com/Keep-Simple-Essential-Financial-Life/dp/1492258849/

How to get back on track for retirement income

So after 3 years of destruction in savings: Covid, layoffs, inflation, moving, quitting, starting a new job— whatever, how you get back to your goal of having enough income for retirement. Assess: what do you need to do; reset your goals. You can still catch up but you need to stick with a serious commitment. Love the stock market: stocks can provide over 10% return per year. No other security can do that. In most market downturns, the total return over 10-15 years provides enough time to recover your loses. So dips in 2020 were overcome in 2022 and dips in 2009 were past over in 2012. Putting your nest egg in the CD deep freeze will kill the growth of an incubator. You may have to work another year before ‘retiring.’ Most people keep working even part time in order to satisfy financial and social needs. You need to understand what “retirement” time has become. Many folks are living longer and thus the old way of living on municipal bonds and CD interest is not appropriate. Many retirees used to fear financial risk and maintained a hording attitude near retirement. However, since you or your partner may live to age 100, you need to make a new plan. Risk is controlled; not feared. With income and expenses planned out, 75 is the new 65.

Double your investing to catch up. https://www.amazon.com/Reset-Your-Retirement-Income-retirement/dp/1512304344

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

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

The Path to Dictatorship: 2010-2030

Jan 21 2010 Corporations’ election-spending unlimited

Nov 2020 Wealthy discredit election process

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

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

Jan 6 2021 Direct assault 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

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

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

Nov 8 2022 Trump’s “national revolution”

Jan 2025 Trump pardons himself

How Govt wastes our money:

Congresswoman Marjorie Taylor Greene had $183,504 in PPP loans forgiven.

GOP con man Trump had 6 bankruptcy loans/carpenter bills forgiven made $ millions

We paid for moon shot once. Let’s save Earth not Mars safe for wealthy. Wasted taxes.

Trump stole secret documents from US, lied about returning them, hid them! Criminal

Trump Claims FBI Raided Mar-a-Lago Looking for Clinton Emails: “detached from reality”

Regulators: online dashboard Sept. 2: Air passengers can find “easy-to-read” delay plans

SCAMS/SPINS:

Trump’s secret docs: “evidence of obstruction” Informants could be IDed and killed

Lindsey’s forecast: Trump terrorists will make bigger Jan 6 destruction if Leader charged

Trump will pardon J6 terrorists: fmr NYC police caught beating police viciously—10 yrs

Can threats against America stop prosecutions? Is there a way to avoid accountability?

Newt ads falsely claimed election "stolen" from Trump to "arouse anger" Jan6: jail?

Trump terrorist gets 46 mo failed coup: instigators get zero jail time: delay delay delay

Trump judge: school district’s ‘Christian’ club can exclude certain children

Michael Shillin WI caught conning clients buy IPO stocks LTC policies: jail

SCAM: regulators allow mutual funds change benchmarks to look good

Morgan Chase funds Putin’s war via fossil-fuel projects (climate-heating carbon dioxide)

Retail investors 'irrationally oblivious' to crypto risks: need regs: you could lose shirt

SCAM: celeb Suze Orman new portfolio advice based on her recent surgery experience

SCAM: Debit card fraud leaves Ally Bank customers, vendors stricken

More Fakes: Dr Oz and banned book list: things are bad enough, fakes not needed

RECALL: Ford recalls 198,000 U.S. SUVs due to risk of fire: battery box

Wells Fargo caught violating whistleblower protection improperly terminating: fine 22M

BEWARE: “Pay 0% Interest Until 2024”: 5% transfer fee: $500 ‘interest’ fee on $10K

Mortgage insurance scam: expensive cover not required by most lenders: buy term

FAKE: no-interest financing to online gun buyers for weapons and ammunition

FAKE medical bill: respond to collectors chasing you TIPS on how to answer collectors

In (Christian-right) God We Trust: where Supremes are sending us

Marble Freedom Trust: the real money behind the Supremes flip to Christian Nationalism

Four Methodist Ministers say Texas abortion law impedes on their religious freedom

OK teacher banned after letting his students have access to banned books: neo Nazism

20-year-old shooter with war weapon killed two people teens don’t always know why act

Jobs

Jobs With the Largest Growth

Good money doing websites, email, small apps, etc for small business

90% of Americans have side hustles: inflation and some extra cash

Part-time for extra cash or interest: pay can vary

Who owns your account now?

Regulator proposes airlines give money back if delay 3 hours: 100K cancelled

Handling an car accident: info at the scene; tips to get paid properly

Best Home Insurers: Amica Mutual, Auto Club SoCal, Erie, State Farm

Miracles:

World’s Rivers, Canals and Reservoirs Are Turning to Dust

One-foot rise in global sea levels in just 30 years: Greenland ice sheet collapses

When Spain ran out of water it used tomato paste

Japanese care home recruits babies to cheer up elderly residents: paid diapers formula

Ukraine kids go back to school: keep the Czar far far away

‘Synthetic’ mouse Embryo with Brain and Beating Heart Grown From Stem Cells

Combo ‘polypill’ cuts heart disease death: Combining 3 heart drugs reduces risk 33%

Trees Are the Secret Weapon of America's Historic Climate Bill: grow 60 billion trees

Is global warming still a hoax created by the Dems? How could so many believe the GOP

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 in universe: galaxies to stones made of subatomic energy ‘vibrations’

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

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

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

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

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

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

We can apply for Medicare online: https://blog.ssa.gov/apply-for-medicare-online

We can apply for Social Security online: https://www.ssa.gov/benefits/retirement/

We can apply for health care online: https://www.healthcare.gov/

IAN

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

Friday, August 16, 2019

How much does retirement cost?

How do average working people afford to live in retirement? Two-salaried clients— school teacher and office manager—making on average $60,000 during their whole careers, earned enough to have a $1.2 million retirement fund--$40,000/year. How did they do it? Bought 2 used cars every 4-5 years. They invested 5-8% of their checks in stock index funds inside tax-deferred accounts at work and their own deductible IRAs. Bought house 40 years ago $200,000; now worth $700,000. Camping/hiking vacations. Eat out once a month. Did their own home cleaning, repair or maintenance. Bought food, clothes, toys, etc on sale or house brand. Paid for 2 master’s degrees (no scholarship) and a child’s private college degree. Covered 3 lay off periods; bankrupt once. Saved $3-4,000 a year on securities and insurance. One took SS benes at 62; one at 70. Gross income now: $90,000—SS, pension, investments.

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

Supremes give wealthy another way to avoid our taxes

Progressive tax rates at federal and state levels are meant to reduce the gap between us and the tax-shelter class that evades taxes. Taxes were meant to avoid another Robber Baron period. Now the Supreme Court has decided the wealthy were paying too much state tax. Now we will be forced to pay more to make up for the shortfall created because states can’t tax income from wealthy trusts. The rich can now move their trusts and avoid income tax for beneficiaries’ trust. The Supreme Court has essentially opened the door to trust planning that could ‘avoid state taxation altogether.’ Plus they can now avoid an audit when they move to a low-tax state. We, who are left, pay more state taxes.

Use your double tax shelter: https://www.amazon.com/Pay-No-Taxes-in-Retirement-legally/dp/1507527977

DIY Financial Independence: Freedom Workbook

Put your money to work so you don’t have to.

Use your IRS-approved tax shelter—Pay 0% on asset gains.

Accumulate $250,000, $500,000 even $1,000,000 tax-FREE. You achieve Financial Independence by having enough money to do what you want. When you don't have to rely on work to survive, you are financially independent. Playing it safe won't achieve it. You don't have to be super wealthy to become free of money worries. Financially independent people have one thing in common: they put their money to work so they don't have to. If you don't put your money to work, you will never be free. 'Compound interest' is the name of the process by which money makes money. You don't need to do a thing besides sending $250 to work every month. You earn money every time you buy things. You own part of the businesses. Compounding is what Warren Buffett counts on for success.

“My wealth has come from a combination of living in

America

, some lucky genes, and

compound interest.”

How much can your money earn for you? It depends on how long it works and where you put it to work. The best strategy is to use your Wealth Reserve to shield your money while it works in places you shop. You can use a special IRS-approved Tax-FREE account to avoid all tax on investment dividends, earnings and interest. You can also avoid the fees and commissions on this account. Your $250 a month investment may grow to $1,000,000 or more and it is all tax FREE. That $3,000 a year for 33 years ($99,000) compounds to $1 million if you put it to work: capitalism.

Put money to work: https://www.amazon.com/DIY-Financial-Independence-Freedom-Workbook/dp/1088908500

Trump’s medical price stability promise is dead

The health care companies have killed any chance for giving US a break. It is impossible to shop and compare prices even for a simple standard item. There are hidden costs in every procedure even if you knew the contract price between you doctor and the hospital. Those who argue that when we have ‘transparency’ we will shop and save are overlooking the conflict of interest of the sellers. I can’t tell my doctor to use the hospital or center where I found the lowest cost. I don’t trust the doctors who work at that center and vice versa. The doctor and the center are NOT on my side in this deal. Doctors make special deals with centers in their best interest, NOT mine. Like sales people, doctors make more by doing more volume with this center vs that center. Like my broker, they get paid more by selling one firm’s product over another. Or take a simple blood test. The median retail price in one place is $20 while the same test costs $443 in another. And what about life-saving insulin, up 1,700%? I can’t shop in

India

China

for insulin!

All these people make more than I do: https://www.amazon.com/Americas-Socialism-for-Rich-not-little-people/dp/1535218584

What can an annuity do for your retirement?

Congress wants to let the financial industry make a killing on annuity sales to retirees. Is this good for US as we retire at 10,000 per day? An annuity is a steady income for your lifetime. Insurers buy bonds with your money and dole it out to you monthly over time. You will receive less in buying power over time. Inflation takes HALF the value in 20 years. Insurers earn 1-3% depending on the type you buy. You receive a good deal if you live to be over 90. If you die before age 85, you lose. However, if you don’t feel comfortable using a 0.23% balanced (stock/bond) fund and having the fund firm send you a monthly check, this may be your best deal. A balanced fund earning over 8% a year can beat inflation over time. You keep your buying power and have a legacy too.

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

What are the options to save for college?

A tax-advantaged account called ‘529’ is available through any financial firm. What are the alternatives to a 2% savings account? Investment options range from all stock to all bonds. The middle road, overweighted to bonds, seems to work best for the 15-20 year average time to accumulate. Some plans offer age-based options. Some states provide a tax deduction. Some plans are sold direct without commissions and some cost you more. Many states allow anyone to use their plan. Some states offer low-cost management. Usually you can invest whatever amount you like but $100 a month for 15 years could provide over $40,000 for school for young and old—any educational purpose.

Learn more: https://www.savingforcollege.com/college-savings-101

Give your child a leg up with money

Make sure you teach your kids how to create wealth the easy way. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. We have used this 'Wealth Reserve' as I call it to have funds to buy low-cost insurance, two homes and 5 cars with higher down payments or cash. Now we receive $2,500 a monthly in retirement supplement.

I found the advice of the smartest money manager of our time--Warren Buffett--is the best. It turns out his simple investing plan is best. Buffett: Panic is buy signal.

https://www.amazon.com/Give-your-child-leg-manage/dp/1096505355/’

**********

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

Half the opioid pills were purchased by just 15% of the drugstores: 15 killing fields!

Trump confirms his ‘socialism for rich’: paying farmers more than if they produce soy!

Background checks are useless: OH shooter had 10,000 rounds to kill ½ Dayton

GOP McConnell helps USSR buy KY industry: ‘Moscow Mitch’ & ‘Mad Max’ Mnuchin

"He Has Gone Mad": Danish MPs On Trump's Reported Plan To Buy Greenland

SCAMS/SPINS:

Trump’s own construction crew are guys without papers: ICE doesn’t dare touch them.

Trump comments on FoxNews’ fake news comes true because USSR TV paid for it!

Trump says Clinton killed Trump’s buddy Epstein in prison of all places: Demented!

Trump: I saved steel industry with tariffs: “Steel was dead. Your business was dead,” now business is thriving.”

Trump plans to eliminate endangered animals: oil gas coal producers have won!

Trump:“Prices not up, no inflation. Farmers getting more than China would be spending”

Melania actually took home that El Paso survivor? Sick to use baby as photo prop

IRS lets advisors pull fees from the cash value of your annuity without you paying taxes.

Crypto currency scams on all social media: get-rich-quick is offer—get poor quick results

“We are worried,” Bank of America Merrill Lynch chief economist said. Panic buy signal

Steve Baptist caught taking commissions on trades in dead client accounts. New B-D.

Richard Duncan MA caught making Turkish scam on his clients: 100% return

Dawson James FL caught soliciting DoNotCall list: $20,000 fine but not ‘guilty’ plea.

Antonio Bravata started his second scam before he finished sentence for his first fraud Andy Gamber Voyager Financial caught fraud on disabled veterans: fine no firing squad

Craig Rumbaugh caught promising ‘safe’ real estate-backed returns Werth’s Ponzi

CA bans pesticide Trump defends: developmental neurological damage in humans.

Court: Trump must provide food, water, beds, toothbrush, soap just like Stalag 13.

Police Chiefs demand assault weapon ban: Congress & Trump in clutches of NRA!

Jobs

Civilian Spy: MicroSoft has employees and vendors listening in to your Skype, Cortana

Retire early? You are likely to experience bouts of anxiety and self-doubt.

Physicists found new state of matter: increase storage quantum computer. Stream movie?

Physicists: temperature is property of quantum entanglements of ultracold atoms: Save E.

Who owns your account now?

Your old debt (past limit) can haunt you if you or collector makes a payment later.

SEC video about your advisor or broker: how to pick and how they get paid

Miracle:

Takes a miracle: Despite the news, even Pope’s letter, priests still abusing children. Jail?

Take a Miracle? Police lead black man on rope by horseback through town like past.

Save this spaceship: Troops with heatstroke double from 2008: EPA kills Bristol Bay life.

Angry neighbors turned nice: “Kindness goes such a long way. Gratitude goes such a long way.”

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

Saturday, November 25, 2017

GOP tax plan failed to END subsidies and loopholes to the special interests

GOP promise to ‘reform’ tax code in A Better Way. Speaker Ryan wrote:;;

“The tax code is littered with hundreds of preferences and subsidies that pick winners and losers and create complexity. Instead of free-market competition that rewards success, our tax code directs resources to politically favored interests, creating a drag on economic growth and job creation. In fact, Washington encourages individuals and businesses to make investment decisions based not on the most promising new technologies and innovations, but instead on the promise of tax savings. Many of these tax preferences, sometimes referred to as “tax expenditures,” are special-interest giveaways that are masked as tax breaks instead of direct grants. For fiscal year 2016, such “spending” through the tax code amounts to more than $1.4 trillion, or almost three-fourths of the amount of revenue raised by the entire Federal income tax. When Washington picks winners and losers with the tax code, the American people ultimately pay higher tax rates and keep less of their hard-earned money.”

Instead they kept the preferences and subsidies and made the code 429 pages longer: GOP ‘postcard’ tax return just moves calculations to extra pages.

Starve special interests by using the code for Tax-FREE retirement: https://www.amazon.com/Tax-FREE-Retirement-code-lifetime-income/dp/1475206976

Congress tax ‘reform’ lowered tax rate but kept subsidies for profitable companies.

HALF of Americans will see taxes raised to pay for subsides and loopholes

GOP tax ‘reform’ means lowering the rate to 20% AND increasing their subsidy. We currently subsidize the oil industry by as much as $4.8 billion a year, with about half of that going to the big five oil companies—ExxonMobil, Shell, Chevron, BP, Conoco Phillips—which get an average tax break of $3.34 on every barrel of domestic crude they produce. But they are already profitable at $100 a barrel so why the subsidy. We taxpayers have been paying them a subsidy to drill since 1916. They don’t need the subsidy and depletion allowance anymore but our ‘reps’ depend on their money to get elected so the Congress does not repeal subsidies in the ‘reform’ bills.

Oil is not alone: gas, coal, cotton, Corn, Wheat, Soybeans, Rice, Beer, Milk, Beef, Peanut Butter, etc

Special interests won! NO subsidies/loopholes repealed! Tax shelters left open!

GOP repealed NONE of the 1,833 business subsidies. GOP repealed 32 deductions used by middle class. Apple and 500 corporations can leave their $2 TRILLION profits UN-taxed overseas. They also get to keep their subsidies and loopholes and foreign cash reserves we still pay for. They were NOT repealed. 1,833 large companies have received federal grants and/or tax credits worth $17.8 Trillion. Instead of giving our money to firms and people that are already making money, we could pay down the debt, which used to worry the GOP. Since our tax cuts are reversed in 2025, you need a shelter.

Use your legal tax shelter: https://www.amazon.com/Your-Tax-FREE-Account-IRS-approved-shelter/dp/153735292X

There is just one way left for us to avoid paying for corporate and wealthy tax breaks

The GOP has just one ‘corporate subsidy’ repeal in the ‘reform’ bill—“marginal oil and gas wells.” All significant corporate and tax shelters were left in tact. Trump’s mob, Commerce Sec Ross, State Dept. Tillerson, advisor Cohn, Treasury Mnuchin, Fed v-chair Quarles, and Ambassador Jon Huntsman hide their money in various shelters under fake firms/names. The new report says they hide their money in the Cayman Islands. Apple hides its money in the tiny island of Jersey. What can we do to avoid paying for these subsidies and business tax credits? You and I do NOT have to hide our money in a foreign country. We do NOT have to hire a lawyer to create fake firms and names. You and I have a legal tax shelter here with an IRS Sec. 408 Trust.

Avoid paying for their tax breaks with your legal tax shelter: https://www.amazon.com/Create-Your-Tax-FREE-Financial-System/dp/1466367466

ONE THIRD of us will have higher taxes in 10 years to cover this ‘tax cut’

The Tax Policy Center ran the numbers. By 2027, 31% of middle-class filers would see tax hikes. Repealing the Alt. Minimum Tax created by GOP so the rich pay something means the burden will shift to those making between $48,600 and $86,100. GOP has rigged the tax ‘reform’ to trick us into giving them HUGE extra money for their tax shelters. GOP budget has big cuts in funding for Medicare and Medicaid in our future. Hidden in the budget they just passed are cuts of $4 Trillion in spending including nearly $500 billion in cuts to Medicare and $1 trillion to Medicaid. This means that in a few years, you and I will need to pay more for a relatives’ nursing home and our own health care. Plus our taxes go back up. Treasury Mnuchin says our tax cuts end while corporate cuts are permanent. You and I need a tax shelter like the Trump class.

Avoid Trump tax: https://www.amazon.com/Only-little-people-pay-taxes/dp/1478222441

Younger singles go for Bronze ObamaCare for less

If your employer does not offer care, you may save by using ObamaCare, ACA, HealthCare.gov same. Employers usually require you to pay—some take over $6,000 from your pay for some plans. If you have no health issues but still need catastrophic care for an accident or illness, you may find exactly what you need at HealthCare.gov. Subsidies for the monthly premium are available to those with incomes of $45,000 and so the only expense may be the deductible. If you anticipate no health expenses, your annual outlay could be tiny. Open enrollment for 2018 ends this Dec. 15. 2.3 million have signed just in 18 days—more than when Obama was prez. Congress is unlikely to fix it by 2018, an election year. Get help: https://localhelp.healthcare.gov/#/

Try a Bronze: https://www.healthcare.gov/

Most rich people would rather have better infrastructure than less tax

When you are already wealthy, you have fulfilled your desires and your relative position in the community hierarchy does not change when everyone gets a tax break. KS cut in taxes recently (and then a reversal) proved that cuts don’t produce growth. They just mean schools are worse, roads aren’t repaired, water pipes, power lines, other utilities are not fixed, and the quality of life falls. Granted that some tax money is wasted and governments are subject to corruption. However, rich people can’t live on special things alone. Their Rolls won’t last long on potholed streets. But not every American wants to live in a company town like Wichita with the Koch ‘blessings.’ In fact, most Americans think this tax cut is wrong at this time. The wealthy donors that keep our ‘reps’ in champagne like it. The rich have always had legal ways to cut taxes without the IRS. Corporations have thousands of ways to cut taxes now—shelters, fake subsidies, global addresses, tax lawyers, and lobbyists for Congress. Congress could do better for all working people. Corporations don’t even plan to expand the economy.

Use your shelter: https://www.amazon.com/Tax-Shelter-for-Americans/dp/1500426520

Overpaying for car insurance can cost $640,000 over time

65% of us overpay for coverage. If we save the average of $500 a year by purchasing the right policy and taking our discounts, we could have an extra $640,000 by the time we retire. Most people have coverage for at least 50 years. For 40 years, our $1000 savings could grow to $530,000. Investing that $500 a year in a low-cost stock index fund uses the Miracle of Compounding over time. It is just math: https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513. Make sure you shop to avoid high premiums: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Trump and GOP are promising higher wages from corporate tax cut

“The hourly wages of high-wage workers rose 41 percent in the 34-year period between 1979 and 2013; the hourly wages of middle-wage workers grew 6 percent in that time frame, and the wages of low-wage workers fell 5 percent” according to the Economic Policy Institute. We did NOT see a bump in wages when Bush II cut taxes. Why would a company use its added cash to pay us more when we have been taking less since the 70s? They don’t use their subsidies to pay more wages, why would they use cash? Wouldn’t you keep it in a shelter or pay your own executives and investors more if you were in charge? Since the firms have money why would they invest the cuts in new operations? They haven’t and won’t. Fed revenue from corporate taxes has fallen while our taxes for Social Security and Medicare have ballooned. Our taxes are low compared to the world.

NO Don, this is NOT a middle class tax cut: https://www.amazon.com/Only-little-people-pay-taxes/dp/1478222441

Where is the best place to save for your kids’ college tax-FREE?

Morningstar, the fund-rating service, has upgraded its rankings on six 529 college-savings plans and downgraded three others, the research firm announced Tuesday.

Bright Start College Savings of Illinois received the gold ranking. The other gold programs—Invest529 of Virginia, the Vanguard 529 College Savings Plan of Nevada and the Utah Educational Savings Plan—remained unchanged from last year. Among the downgrades, Franklin Templeton 529 College Savings Plan of New Jersey sank the lowest, dropping from neutral to negative because of its uncompetitive fees and sudden declines in equity exposure that leave it open to market-timing risk, Morningstar said.

https://www.amazon.com/Education-Funding-Save-right-plan/dp/1482549956/

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

TrumpWorld

Happy Thanksgiving, from The Don in a style only he could stomach

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

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

Trump cancelled health policy for addicted brother’s family after they fought dad’s will

Smoking gun: “Our boy can become president of the USA and we can engineer it,” Sater wrote in an email to lawyer Cohen. “I will get all of Putins team to buy in on this.” Manafort tells Russian mob he will keep them informed about “our boy.”

Ross, Commerce, direct link to Putin energy consortium and Russia-Cyprus bank

Putin sent 60 money wires to US marked “to finance election campaign of 2016.”

Putin has full access to our 2018 elections since Trump doesn’t help states upgrade now.

Trump’s money launderer manager indicted on 12 counts: conspiracy against US.

Treason is not excusable by being stupid America deserves better!

‘Ministry of Truth’ 1984 novel: Government propaganda is ‘truth’ when they say it!

Trump: Moore denied 8 women’s stories—child molester has special place in hell Ivanka

Trump and Moore blame the women: Hill hearing is why girls 14 don’t file public charge

Trump claims victory in Afghanistan—Generals say stalemate with Taliban

FoxNews: “You’re the president. Why don’t you act like it?” Can Fox help impeach him?

Can 13 women be wrong: The Don’s ‘women are very special’ Groping genitals ‘special’

My Theory on Trump/Putin ‘love’:

Trump got Russian help/funding for business from business/mob ties to Putin. US banks not interested in more bankruptcies. No one expected him to win so no harm getting Putin help. Don owes Vlad’s mob money so they sent mob gofer Manafort to run the campaign. ‘Colluding’ Putin style. Trump always has a fall guy to blame when caught in lie. Sessions claims campaign execs all too inept and overwhelmed to collude on purpose.

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

The Don is losing cache of his name for NY visitors—NO Soho Trump

Trump family could gain $1 billion under Trump tax cut; keeps loophole on golf too!

Trump selling his wine in national parks—you can’t sell your stuff though

We are paying $1 million for Trump’s thanksgiving at golf club—tax without represented

Dictator talk time:

“When the president does it, that means it is not illegal,” Richard Nixon

Delusions of Grandeur: ‘I’m the only one that matters’ The Don

Persecution complex: 'No politician in history has been treated more unfairly' The Don

“The president can’t have a conflict of interest.” The Don is above the law?

Fires FBI head because he was investigating The Don’s Russia mob ties.

Trump’s America looks like pre-civil war America: Trumpism is authoritarianism.

"The President would have left American students in a foreign jail because their families didn't lavish sufficient praise on him. How can someone in such a big office be so small?"

Fear is ruler’s weapon Tampa church ‘welcomes’ worshipers “we are heavily armed”

1998 the House of Representatives approves two articles of impeachment against President Bill Clinton, charging him with lying under oath to a federal grand jury and obstructing justice.

2017 Nov. House of Representatives introduced articles of impeachment against President Don Trump, charging him with firing FBI Comey, violations of the Emoluments Clause, actions "undermining" the judiciary and freedom of the press.

2018 the House of Representatives approves two articles of impeachment against President Don Trump, charging him with lying under oath and obstructing justice.

Quid pro quo: "something for something."

Trump allows internet providers to charge us for fast access—gift for election cash.

Today child molester; tomorrow rapists? How GOP religionists justify support to Jesus

Trump gets US to pay for his family legal problems—is he out of money already?

Flynn has gone over to the light side—Another enemy of the United States caught

Lincoln solution to TrumpWorld: http://www.latimes.com/opinion/op-ed/la-oe-blumenthal-lincoln-trump-20170713-story.html

We have given The Don time to act like president: Time to Impeach for obstructing FBI

https://action.needtoimpeach.com/act-og3-t2?sc=ad_gg_lba_us_impeach-.-.-.-60s-20171020

Regulation is necessary: We need protection. Saves $12 billion of our money!

(No one person can afford to sue a bank: class actions banned by GOP now.)

Gun play in church shoots man and wife – maybe not a good thing to play with guns!

2017: Thousands died so a few wealthy rich can kill defenseless animals. Insanity?