What happens if you are laid off?

Your "Go-to-Hell" Fund: How will you live if everything "goes-to-hell"?

The best guarantee of lifelong security is having money.
Most Americans have less than a month of expenses saved.
         What would happen to your family if you suddenly had no income? 70 percent of us say we could only afford to take off for one month or less of unpaid vacation before everyday expenses would force us to return to work, according to a survey by the LIFE Foundation.
How can we protect our families? We don't need complicated insurance, mutual funds, or financial products to have the good life. I help you decide which financials are best for you, now and later. Just $18.95. 

http://www.amazon.com/Your--Hell-Fund-goes---hell/dp/1492325627

Was your new used car totaled by storm Sandy?

USAA officials now admit that some vehicles it branded as total losses after being damaged by Hurricane Sandy's floodwaters later were resold and put back on the road.

The San Antonio-based insurer totaled some 4,000 customer vehicles damaged during last year's storm in the Northeast.

USAA earmarked 174 of those vehicles to be sold for parts only because they had no titles. But USAA later found some buyers who bought them at auto auctions fraudulently obtained clean titles with the intention of putting them on the road again.

Is having homeowner’s insurance enough?

After a year of waiting, some Sandy victims close to giving up. "The city told me to use my structure money to raise my house," said Joe Mirmina, who lives three blocks away from McFadden on James Street in Milford. "But the bank won't let you do that. I have the money to repair my house, but I can't until the house is lifted." Although McFadden's house is already raised, there's still plenty of work to do. He said when his house is finally repaired, he'll likely need to sell it to make ends meet. Use your discounts:  http://www.amazon.com/Homeowners-Insurance-Beware-Coverage-Policy/dp/1480100870

GOP against Obamacare because:

http://www.gop.com/news/research/the-case-against-obamacare/

GOP decided to come up with a plan in Jan 2011. Nothing as of 9/13.

They pledge to change laws to allow buying from another state, expand HsA, prohibit declines by preexisting, prohibit lifetime spending cap, prohibit declined because sick and prohibit govt-paid abortion. These were originally GOP plans.   http://www.cbsnews.com/htdocs/pdf/GOPHealthPlan_061709.pdf

All of these have been accomplished by ObamaCare yet GOP voted the 40^th time to repeal ObamaCare and has yet to make a plan. Stalling until 2016, is the plan, it seems. http://www.washingtonpost.com/blogs/right-turn/wp/2013/07/18/a-gloating-gop-needs-an-obamacare-alternative/

Is group long-term care insurance right for you?

Group plans often cause people to receive less benefits for more money, according to one study. Group plans may lump you with sicker people. Group plans make enrollment easy but are designed for higher premium per benefit dollar. Individual long term care insurance policies are a better value in almost every way. The major hole in group plans is an inevitable part of the process: it isn’t that the rates are intentionally high. The flaw in the policies lies in the structure of enrollment. There is no medical underwriting for the employer’s convenience. Couples’ premiums with good health were an average of 36.12% less than group plans. Individuals’ premiums with good health were an average of 15.49% less than group plans. Compare: http://www.amazon.com/Long-term-Care-Insurance-better-alternatives/dp/147006877X

Retirees lose company health care—So much for lifelong loyalty

America’s biggest employers, from GE to IBM, are increasingly moving retirees to insurance exchanges where they select their own health plans, an historic shift that could push more costs onto U.S. taxpayers. About 44 percent of companies plan to stop administering health plans for their former workers over the next two years, according to one survey. Last month, United Parcel Service Inc. told workers it would no longer provide health care for 15,000 spouses who can get benefits through their own employer. Retirees feel GE “stripped them of something of substantial value that they believed they earned,” Dennis Rocheleau, 71, a former GE labor negotiator. “They’re saving millions of dollars and the people they’re taking it from are the ones who can afford it the least,” Rocheleau said in an interview. http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Is your income keeping pace?

The top 1 percent of American households had pretax income above $394,000 last year. The top 10 percent had income exceeding $114,000. The very wealthiest Americans earned more than 19 percent of the country's household income last year—their biggest share since 1928, the year before the stock market crash. And the top 10 percent captured a record 48.2 percent of total earnings last year. 95 percent of the income gains reported since 2009 have gone to the top 1 percent. That compares with a 45 percent share for the top 1 percent in the economic expansion of the 1990s and a 65 percent share from the expansion that followed the 2001 recession. The top 1 percent's share of income bottomed out at 7.7 percent in 1973 and has risen steadily since the early 1980s, according to the analysis. Your investment edge is … the miracle of compounding. http://www.amazon.com/Keep-Simple-Essential-Financial-Life/dp/1492258849

State Farm wants auto rate hike in Illinois

Time to claim your discounts and save $22,000 over time: http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

SCAMS           “Deficits don’t matter” Republican godfather, Dick Cheney, 2002

Your bank and medical records read by government employees/contractors

NSA unlocks encryption used to protect emails, banking and medical records. US and British intelligence agencies have successfully cracked much of the online encryption relied upon by hundreds of millions of people to protect the privacy of their personal data, online transactions and emails, according to top-secret documents revealed by former contractor Edward Snowden. "Project Bullrun deals with NSA's abilities to defeat the encryption used in specific network communication technologies.”

Project “Bullrun” produces a lot of bullxxxx, $53 billions of bullxxxx. But 2 kids from Kyrgyzstan (Russia) defeated NSA “intelligence” and bombed Boston. They were “discovered” by a quick-thinking Chinese civilian when his GPS car was kidnapped. The bombers bought the explosives at the same store as the Times Square bomber!

The kits are advertised by the company as “barely legal.” “Best mortar/canister kit you can get,” reports one reviewer on the Phantom Fireworks website.

You can still get 2 free when you buy 1 box. You don’t need a license!

Maybe NSA should watch the store instead of reading my emails!

That $53 billion can pay for health care for over 2 million American families without health care.
 

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Avoid taxes on your earnings

Avoid income taxes on your investment earnings

In 2013, you can contribute up to $5,500 to an investment plan that grows tax-FREE and commission-FREE. 10 diversified mutual funds provide earning which have compounded at over 10% per year since 1970. Using a special account, you avoid taxes FOREVER. Using low-cost mutual funds, you avoid Wall Street fees of 2-3%. This double benefit account can add 40% to your eventual nest egg over time. NO TAX, NO FEES, compound at over 10%—perfect together: Your Retirement Mutual Funds

Retirement Mutual Funds earn over 10% without broker fees

Your Retirement Mutual Funds: 10 mutual funds to make sure your retirement income last as long as you!

Your investment plan assures you of income AND growth.

Your spending plan assures you of income for life.

Your Wealth ReserveTM provides TAX-FREE income for life.

Your tax-advantaged mutual funds grow at 10-12% per year.

Start today! Every year you delay costs you $100,000 later

Ten diversified mutual funds assure us of retirement income AND inflation-busting growth we can't outlive.

http://www.amazon.com/Your-Retirement-Mutual-Funds-retirement/dp/1481114026

"My wealth has come from a combination of living in America, some lucky genes, and compound interest." Warren Buffett, $80 billion investor

Teacher pensions sell off gun maker stocks … finally

From California to New York, teacher and public-worker retirement funds are reconsidering their investments in gun makers and confronting an uncomfortable fact: Their pensions have supported the manufacture of deadly weapons, in some cases the same type of gun used in the Connecticut school shooting. For years, the gun industry has been a reliable investment, attracting tens of millions of dollars from some of the nation's largest retirement funds. Now they are taking another look.

How could we improve the economy if players took personal responsibility?

As we make our way out of the financial recession, three suggestions might help: make executives pay for corporate misdeeds out of their own pockets, make regulators pay with their jobs when they screw up, allow lawsuits against those that provide positive ratings to bad products, and ask overly paid CEOs to compete by leadership not greed. 

http://www.nytimes.com/2012/12/23/business/four-paths-toward-a-better-2013-in-business.html

Health care changes for the good of patients!

Health-care innovations aren't limited to drugs and devices. Experts increasingly are adopting new ways to treat patients that studies show are better at healing the sick, preventing disease, improving patients' quality of life and lowering costs. Here are 10 innovations that took root in 2012 and are changing the care patients will get in 2013. http://online.wsj.com/article/SB10001424127887324296604578179723798981586.html

Million AL drivers still have no liability insurance

The owners of the 900,000 Alabama vehicles without liability insurance stand a better chance of getting caught starting Jan. 1. That's when the state will start enforcing a law designed to crack down on motorists who don't abide by Alabama's mandatory insurance law.

Do you really need a disability income policy?

..Save $12,000 by self-insuring.

..Create a Wealth ReserveTM. Cash is a better plan.

..Accumulate $100,000 in 15 years to protect your future.

You only need a separate policy if you are self-employed or own a small business, and you do NOT have a “self-insurance” plan yet. Build your own wealth, not that of your insurer—self insure! Our chance of becoming totally disabled for a long period is very small. Disability Insurance by Dan Keppel 

http://www.amazon.com/Disability-Insurance-Cash-better-Self-insure/dp/1481843893/

Nursing Homes with Most Serious Deficiencies

Homes with Most Fines

Use this tool to compare nursing homes in a state based on the deficiencies cited by regulators and the penalties imposed in the past three years. You can also search more than 58,000 nursing home inspection reports to look for trends or patterns. http://projects.propublica.org/nursing-homes/

Women lose their health care at increasing rate

About 115,000 women lose their private health insurance every year in the wake of divorce, according to a University of Michigan study. And this loss is not temporary: women's overall rates of health insurance coverage remain depressed for more than two years after divorce. "Given that approximately one million divorces occur each year in the U.S., and that many women get health coverage through their husbands, the impact is quite substantial," said Bridget Lavelle, a U-M doctoral candidate in public policy and sociology, and lead author of the study, which appears in the December issue of the Journal of Health and Social Behavior.

SCAMS           “Deficits don’t matter” GOP leader Dick Cheney

Do you know where our bottled water comes from?

In a lawsuit against Nestlé Waters we learn those bottles contain filtered municipal tap water. The case echoes allegations in a previous case against Nestlé Waters, which sells Ice Mountain and other popular U.S.bottled water brands, including Poland Spring, Arrowhead, Deer Park, Ozarka, Calistoga, Zephyrhills and Nestlé Pure Life. Nestlé Waters tops the surging U.S. bottled water market, with a 32% share.

PepsiCo and Coca-Cola also have drawn legal challenges on their popular bottled water brands. A 2007 case filed in New York federal court charged that Pepsi's advertising, marketing and labeling on the company's Aquafina brand "failed to inform consumers that the source of the water was public tap water, not water from an inherently cleaner source, such as a mountain."

Pruco caught overcharging customers

The regulators ordered Pruco Securities to pay more than $10.7 million in restitution, plus interest, to customers who placed mutual fund orders with the company between 2003 and 2011. Finra also fined Pruco $550,000 for its pricing errors and for failing to have an adequate supervisory system and written procedures in this area.

Our personal info sold without our OK or our commission

The FTC wants to know what the brokers do with the information they collect from consumers. It also wants to know if the data brokers let consumers review and correct their personal information or opt out from having their personal information sold to a third party. Data brokers are not required by law to disclose to consumers the information they collect on people's finances, race and ethnicity, shopping habits, social media updates, health concerns and more. By some estimates, these brokers stockpile several thousand details on the majority of adults in the U.S. In June, Pasadena company Spokeo agreed to pay $800,000 to settle charges it illegally sold personal information for employment screening. Congress has yet to pass a law to let us see our data before brokers sell it. Dem Rockefeller said, "American consumers deserve to know who is collecting information about them."

Steve Jobs left his $138 million yacht in hock in Holland. Can’t he use it now??

New York Stock Exchange was purchased by ICE, an Enron-type outfit. ICE trades energy derivatives and has done well and so will pay $8B to own the markets.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com