Showing posts with label health. Show all posts
Showing posts with label health. Show all posts

Friday, September 4, 2015

Profits up, wages down=disaster?

Corporate profits at 40-year high but worker share at all-time low
Billionaires know income inequality is dangerous—think French guillotine! So Paul Jones wants to shame corporations with a ‘Just Capital’ listing. The wealthy can fix the problem by paying more to employees he thinks. CEOs take 373 times employees pay and so workers have no money for the basic American dream of the 50s. He quotes Adam Smith, that capitalism must have a moral foundation to be sustainable otherwise the rift leads to “the highest degree of disorder.” But corporations are NOT people (despite the Supremes) and don’t live by “community” standards. The largest firms take HALF their profits from the poor of the world so the firm’s world is based on the lowest labor and materials costs on the planet. Their new moral foundation is the 19th century robber barons with no regulations and worldwide markets. The most successful corporations pay little tax by pitting one COUNTRY against another. There is no fair share of profits.
            Nearly every major corporation has its share of tax tricks. Apple accomplishes this feat with a two-pronged tax strategy. For domestic sales, the company pays profits as a royalty on a subsidiary it owns in Ireland, which are then routed to a tax haven. For overseas sales, the company uses a second Irish sub, routes the profits through The Netherlands to avoid European taxes, and then sends its profits to its tax haven via the first Irish sub. This sub is called a “disregarded entity”—an affiliate not subject to U.S. income tax. (This strategy is called the “Double Irish with a Dutch Sandwich,” this report says.)

Is your advisor providing the best advice and products?
Most non-fee advisors/brokers/agents are sales people who get paid by selling you. They sell what their firm tells them to sell. Financial services is a very profitable industry and sales people can’t provide the best product from your point of view. Most sales people don’t know what the ‘best’ solution for you is because usually the best for you does not provide the highest revenue for the firm. Proof: The average investor earned just 3.79% while a simple non-advisor index fund earned 11% over time. Dalbar.com QAIB survey.

 “Are you paying anything for your retirement plan?”
An AARP survey said 71% of respondents answered NO—It’s FREE. (23% say they do pay for their plan (6% were unsure)). The fact that seven in 10 Americans have been tricked by Wall Street is a scandal, especially because 401(k) fees can take 63% of your nest egg by the time you need it. Brokers/advisors and also employers have lied or misled us on five fees and charges, despite a regulation in 2012. The Perfect Crime! No one reads those book-length disclosures because the lawyers write them so we can’t read them.
Double your nest egg! Drop your 401k fees and live longer.  http://www.amazon.com/Tune-your-401k-EARN-Tax-FREE/dp/1490591028

“If I had a world of my own, everything would be nonsense.” The 2016 President?


Warren stumping for student loan refi bill candidate
Elizabeth Warren will fight with GOP over her 2014 bill that would have allowed students to refinance their loans. Approximately 40 million Americans have student loan debt, with the average borrower owing nearly $30,000. Many can’t pay without jobs and the 6-8% finance charges continue to grow. Young voters may feel 8% is unfair since the money costs only 1% for a Fed profit of 7%.
GOP says not fair to rich if miss 7% profit.

Can your credit score double your car premium?
Survey says a poor score tells insurer you are not careful and can double your coverage premium compared to someone with excellent score.

Buy life insurance without an agent
PolicyGenius asks the questions for 26 different insurers so you find the one you can afford for the coverage you need. Standard health questions in 4 minutes give you the list of carriers and their prices per month and year. You can adjust the coverage and term in real time. You can buy a policy with FREE fluid tests. Laddering 10-year term is best.

How do you pick a health plan if my employer went private?
Time, Inc just switched 5,000 to Towers Watson’s exchange. After checking if your docs are on the three or four cost levels, you decide how much to spend before all expenses are covered by using past spending as a guide. Low premium-high deductible plans are good if you never need a doctor checkup. Employers cut costs with wellness plans.


Obama visits Alaska to watch ice melt and cover island village—Cruz says not real!
Obama sees tiny village of Kivalina on the shores of the Chukchi Sea, which is being increasingly battered by extreme waves that, as sea ice dwindles, are more easily generated offshore. Sometimes waves can wash across the entire island, which can be terrifying, especially for a place so remote where help is very far away. Kivalina will have to be relocated, at a cost that has been estimated at well over $100 million of our taxes.

Neanderthal Cave Featured Hot Water, One Bedroom—Manhattan version $650,000
They think a hole among the hearths and heated rocks near a wall of the rock shelter that may have been used to heat water some 60,000 years ago. Ivory soap nearby?

11-year old with gun shoots intruder—NRA wet dream
MO boy, home alone, kills 16 year old kid breaking in to home. Parents leave loaded gun and 11 and 4 year old home alone. Welcome to the future.

New toy for survivalists—flamethrowers
New rage is not regulated so venture capital has rewarded a company selling flamethrowers to consumers that retail between $900 and $1600. You can shoot flames to 25 feet for “fun with family and friends.”

Consumer Reports' picks worst cars of 2015
The 200, Discovery Sport, Lexus NX, and Sedona top the list!
AND best used cars including Miata!

SCAMS
We are still wasting $8 million per HOUR we don’t have in Iraq/Afghan/Ukraine.
America needs to take care of American’s needs FIRST!
Rebuild America Act: a five-year plan would invest $1 trillion and create or maintain at least 13 million decent-paying jobs—Senate Budget Committee but GOP says no.

IL stiffs lottery winner—another American promise broken
Danny Chasteen won $250,000 last month in the state lottery but could not claim the prize as legislators had not passed a state budget. “You know what’s funny? If we owed the state money, they’d come take it, and they don’t care whether we have a roof over our head,” Chasteen’s friend said, according to the Tribune.
We pay, they delay, just like insurance, brokers, “guarantees,” etc.

Citi caught misleading us and NO ONE goes to jail nor even named—Crime pays!
Regulators gave bank a deal that holds no one at the bank accountable for behavior that caused investors to lose an estimated $2 billion. Brokers can screw us with tacit OK!
Reaz Islam should be the one fined and going to jail. Instead Citi stockholders pay and Islam got $10 million. Started his own firm (L-RManagers) to defraud and mislead again.

Ponzi operator does crime again but bigger!
Eric J. Aronson raised $26 million from investors in Ponzi for high life AND pay court-ordered restitution payments to victims of a previous financial scheme to which Aronson pled guilty in 2000, serving over three years in prison. Jail was not enough?

H&R Block pays Congress to add 5 pages to tax forms—more fees
It has pushed to expand the Schedule EIC—the form required to claim the credit. The new form would go from one page to five, and it would incorporate most of a 30-question eligibility checklist that only paid preparers, as opposed to self-filers, are currently required to submit. This new form will send more customers to Block to get taxes done.
AARP is asking Congress to cut it out of bill.

Muslims convert to survive in Germany
Hundreds of mostly Iranian and Afghan asylum seekers who have converted to Christianity at the evangelical Trinity Church in a leafy Berlin neighborhood.
Most say true belief prompted their embrace of Christianity. But there's no overlooking the fact that the decision will also greatly boost their chances of winning asylum by allowing them to claim they would face persecution if sent home.

IAN
41 Watchung Plaza, B242
Montclair, NJ 07042
973.746.2014
Alert
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Friday, August 7, 2015

Koch Bros: America is "welfare for the rich"

Koch Bros believes America is built on “welfare for the rich”
“I believe that cronyism is nothing more than welfare for the rich and powerful, and should be abolished," Charles Koch wrote. He claims he has “spent decades opposing cronyism and all political favors, including mandates, subsidies and protective tariffs.” Yet the Koch Brothers have relied on $88 million worth of government subsidies (our taxes) for years and pay $ millions for elections to keep subsidies. They oppose cleaning up the environment they profit from while they destroy it!

Are you losing 63% of your retirement earnings to Wall Street?
How much of your retirement are you giving away?
Costs matter: Broker/advisor/trading cost 1% to 3% every year.
If you use a salesperson, costs can take HALF your money!
$3,000 per year @11%    for 33 years = $1,018,177
$3,000 per year @11-1% for 33 years = $778,768
$3,000 per year @11-2% for 33 years = $613,805
$3,000 per year @11-3% for 33 years = $486,634
Compounding the average market returns of 11% is what turns your $3,000 a year ($99,000) into $1 million over time. No tax when you use an IRS tax haven. http://www.amazon.com/Pimps-Wall-Street-money-middlemen/dp/151525254X


Help for your student in school
Get $2,500 per year for each student during first 4 years. 40% is refundable so you get up to $1,000 even if you do not owe any taxes. Or get $2,000 credit on your tax return for a lifetime of education—even adults can take it every year. Must be legit school and expenses so check http://www.irs.gov/uac/Am-I-Eligible-to-Claim-an-Education-Credit%3F. Also deduct student loan interest up to $2,500 a year. Parents or child can take credits so check out both ways http://www.irs.gov/Individuals/Education-Credits-AOTC-LLC Keep receipts for expenses for school.

Perfect gift for your grandchild
$1,000,000 costs you only $16,000 when you use Compounded Cash over time. Invest $16,000 by age 25 and let it grow to $1 million. See what it looks like at saferchild.org/power/.  http://www.amazon.com/Compounded-Cash-Save-your-Self-Funded/dp/1515066096


2016: America’s real reality TV show—“you just can’t make this stuff up”
Debate summary 10 of the best GOP have “debated”—compare 12 Angry Men: the bigot, racist, sadist, flip-floper, stockbroker, marketer, immigrant, working poor, bleeding-heart, senior, businessman, and architect. GOP candidates positions in own words, just to be accurate. Carson called for 10% income tax and Huck wanted sales tax (VAT in Europe) to replace income tax is a GOP standard. http://time.com/3988276/republican-debate-primetime-transcript-full-text/


Ronald Reagan to Obama: “Just don’t sell Iran arms under the table like I did.”

GOP wants war but …
Robert Gates, who led the CIA under George H.W. Bush before becoming George W. Bush and Barack Obama’s defense secretary, has said bombing Iran could prove a “catastrophe,” and that Iran’s “capacity to wage a series of terror attacks across the Middle East aimed at us and our friends, and dramatically worsen the situation in Iraq, Afghanistan, Lebanon and elsewhere is hard to overestimate.”  
Meir Dagan, who led Israel’s external spy service, the Mossad, from 2002 to 2011, has warned that an attack on Iran “would mean regional war, and in that case you would have given Iran the best possible reason to continue the nuclear program.”
In the aftermath of a military strike, he added, “The regional challenge that Israel would face would be impossible.”

Bush wants to cut women’s health funding: "I'm not sure we need half a billion dollars for women's health issues."  Liz Warren shames GOP on women—back to the ‘50s?
Americans respond with donations to Planned Parenthood despite Congressmen!


Christie PAC gets paid for Christie deal to take $225 m instead of $9 billion from Exxon.
He is booed by 60,000 at Monmouth park as gives Pharoah a trophy. He still thinks boo means voters want him to stay on as Gov and punch teachers in nose and end SS as we know it.

Who rules America?
Last weekend, Koch Industries got the rich together to decide how the GOP will win in 2016. Donors are secret, so foreign countries could be deciding our next Pres.
Follow the money: Election scorecard Bush vs Clinton ($ millions)
Study illustrates that the rich and powerful influence policy more than voters. Citizen’s United decision just made it legal to buy elections, like the Bush coronation in 2000. (The votes were not counted. If they had counted them, America could have avoided 2 wars, 2 tax cuts that raised deficit by $8-10 trillion.)

TX voter ID law violates our civil right to vote, court says
GOP strategy to keep DEMs from voting took a blow. TX can’t keep voters from voting based on new forms of ID and regs.

GOP to get Supremes to SUPPORT global warming for planet via lawsuit
Obama will use lower emission rules as leverage with other big economies — China, India, Brazil, South Africa, Indonesia. Our rules could make America a leader again … except for 5 old men. GOP tells states to ignore Pres request for plans. “Sue to stop him”

Shopping for health insurance becomes normal
State-based marketplaces were overall quite successful in retaining enrollees, however, a large number of consumers shopping within the marketplace during 2015 open enrollment decided to switch plans based on the price of services offered. You can save by shopping just like buying a TV. Plans and doctors change in this new world. Even business owners can shop at https://www.healthcare.gov/small-businesses/provide-shop-coverage/ You may still be able to buy at https://www.healthcare.gov/screener/
Buy only what you need: http://www.amazon.com/Health-Insurance-ONLY-right-policy/dp/1480125083

Is it time to cancel your PMI?
Drop it when you have paid 20% of your home value as defined in this rule. http://files.consumerfinance.gov/f/201508_cfpb_compliance-bulletin_private-mortgage-insurance-cancellation-and-termination.pdf Since the HPA applies only to residential mortgage loans consummated on or after July 29, 1999, standard 30-year mortgage loans would not have started becoming eligible for final PMI termination under this provision until August 2014. Better ask your servicer for the exact date you can cancel.

Your good credit score can CUT your car insurance cost in HALF
CR tested 2 billion rate quotes and found a poor score can double your costs. See your state for best firms: http://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm#creditmap Shop for ALL your discounts to lower premium every 2 years: http://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Need your income tax information for loan, school, home?
Get return transcript by mail at http://www.irs.gov/Individuals/Get-Transcript
You need your Social Security number, date of birth, and address from your latest tax return.

Your tax refund can be worth $500,000 later when you need it
Yes, your refund, averaging $3,116, can grow to half a million dollars by compounding simple market index returns and not paying Wall Street a fee every year. According to Dalbar’s QAIB study, index investors using low cost providers earned 11% per year since 1983. Investors using Wall Street earned just 3.79% and over time will give up 63% of their potential nest egg. You don’t need to pay for success anymore. Start with $9 a day today! It is your money so keep all your earnings: http://www.amazon.com/The-Pimps-Wall-Street-middlemen/dp/151525254X

Did your bank reject your mortgage modification too?
New report says banks blame “do not qualify” on customers and customers say “paperwork is lost or misplaced often.” Delaying a borrower’s loan modification request can be profitable for a bank.” Courts agree. Like health insurers, delay, delay delay just wears us out and we quit trying to get what we deserve. Regulators wash hands with bank notes. 

CR tested 4 robo call blockers
One works well and is FREE: it blocks 10 calls a day for us.
Example: http://whocallsme.com/Phone-Number.aspx/6083716666

3-D printing Drugs now?
The Food and Drug Administration has approved the first prescription drug made through 3-D printing: a dissolvable tablet that treats seizures. They still charge a lot.

Stoners are OK
With years of research and observation, scientists have finally figured out that the chronic and prolonged use of marijuana by the young people is NOT not related to any sort of health conditions. Toke?

Religious sacrifice in FL?
Investigators in the Florida Panhandle are looking into the deaths of a woman and her two adult sons as a ritualistic killing that could be connected to the recent blue moon.

SCAMS        
IRS has documented more than 4,000 tax scam victims who have collectively reported over $20 million in financial losses. IRS says “think twice before answering suspicious phone calls, emails or letters.” Scammers pose as IRS agents with fake caller IDs, badge numbers, titles, letterhead, mailing address, etc to get paid. They threaten police arrest, deportation, license revocation, etc. Confirm you owe at Treasury Inspector General for Tax Administration (TIGTA) at 1-800-366-4484. 

America needs to take care of American’s needs FIRST
Can we afford to keep paying $700 Billion a year for WWII deployments? That is 27 cents of each dollar in taxes—the largest part of our money—and we aren’t even at war. We could pay off our debts and fix our schools, roads and bridges! We are paying for 164,253 of our active-duty armed personnel to be in 150 countries around the world. We have about 50,000 in Japan and 50,000 in Germany.
We are spending $8 million per HOUR on our wars in Iraq/Afgan

The War on Terror requires special forces attacks on top terrorists at their homes like Obama’s al-Amr May14 Abu kill. Iraq proved converting a nation to Western-style republic doesn’t work. The troops we trained ran away, left our stuff. Training and more stuff for what? Former Saddam army now ISIS. We are wasting $4 billion a year on Afgan tribal rivalries; paying ransom to Al Qaeda; supporting corruption with our money.

We are building another military base for Japan at Henoko. Air Force Gen. Ronald Fogelman admitted that the Marines “serve no military function there. They don’t need to be in Okinawa to meet any time line in any war plan.”

Are we preparing for WWII again? There are 1,208,083[1] armed personnel in the United States. Our taxes pay for about HALF of the WORLD’s military expenditures every year. We have wasted $398.6 billion so far on the F-35 program—they can’t fly safely.
We just can’t afford to pay for everyone else’s defenses anymore.
Japan, Germany and S. Korea can pay to defend themselves.

We are now training Ukrainians in Ukraine—Mission creep
Afghanistan started the same way—just training, and then guarding trainers, then supply trainers, then supply U.S.-built Stinger antiaircraft missile to the mujahideen, and eventually $200 million for fiscal year 1992 alone. $4 million/hour- $778 billions so far.


Fiat profit up 69% but at Jeep and Ram customer expense—sells Ferrari
23 recalls covering more than 11 million vehicles caused record fines of $105 million (not counted in profits). Ferrari follows Porsche for SUV success!?! Image?

Regulators find NDG Enterprise Collected Money Illegally and wants payday loans back.

Wells to hold your money
Advisors at Wells Fargo will stop transactions where they suspect elder fraud even if they don’t have the legal authority, company managing counsel Beverly Jo Slaughter said Thursday. “We try to be creative,” she said.

Wells Fargo fined $500,000 for not telling the whole story
Wells to give back $242,000 to 66 customers who lost money in “structured repackaged asset-backed trust securities” (STRATS), which paid a variable interest rate from 3 to 8 percent. Sales did not disclose the fact that investors could lose money because of termination fees.

IAN
41 Watchung Plaza, B242
Montclair, NJ 07042
973.746.2014
www.InsuranceAdvisorsNetwork.com
Alert
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Friday, January 20, 2012

Are we losing our democracy?

Are we losing our democracy?
When wealthy contributors can give $ millions to candidates thru PACs and blanket electorates with TV ads non-stop, is it possible to buy an election? Could a foreign government via a puppet give $ billions to a PAC to sway voters to someone favorable to them? The Supreme Court decided thatcorporations are people (?) and their money is free speech. So, is America different than other governments that allow one group to slant the elections? http://www.youtube.com/watch?v=SprsUaX5j78
And why didn’t they count all the votes in 2000 like the Constitution says in Article II Section 1? It is the House not the Supremes that is supposed to make the decision. The founders knew Justices are political appointees not elected representatives. http://www.archives.gov/exhibits/charters/constitution_transcript.html
Romney seems to be the perfect corporate ruler. He bets $10,000 on things we would wager a $1 on. He does not earn a living. He pays a tax rate based on investment income, not earned income. Never got a paycheck. http://www.investmentnews.com/article/20120118/FREE/120119921/-1/INDaily01&dailycount=3&issuedate=20120118’
Newt makes $ millions by influencing Congress by giving “advice” not lobbying, he says. http://www.washingtonpost.com/politics/the-influence-industry-gingrich-case-raises-question-what-is-a-lobbyist/2011/12/07/gIQAtW7ZdO_story.html
Santorum is the largest supporter of Big Government earmarks. http://www.nytimes.com/2012/01/16/us/politics/as-rick-santorum-secured-earmarks-2006-donations-flowed-in.html?pagewanted=all
Obama is out fundraising instead of governing. He is said to be on track to pass the record $750 million this year. http://www.foxnews.com/politics/2012/01/12/obama-fundraising-could-fuel-small-economy/

Many GOP-run states are enacting laws to make it harder for people to vote even though there is no known case of fraud being prosecuted. http://www.miamiherald.com/2012/01/16/2592500/holder-decries-states-efforts.html

MI has gone so far as to eliminate the local governments elected by the citizens of 5 towns. http://news.yahoo.com/marchers-protest-michigan-emergency-managers-governors-home-234600752.html

Is the new Suze Orman debit card right for you?
One critic called the talk show host's card “the cream of the crap,” noting the fee structure and features are comparable to the best prepaid debit cards already on the market. However, he and most other financial experts agree the category is a dog. “You are still paying at least $36 a yearto have access to your own money,” Mr. Ulzheimer said. “And you're doing nothing to help with your credit.” “It might be a conflict because people view her as potentially objective,” he said. Her $63 newsletter promises to tell you where to invest your retirement money. However, Ms Orman is no longer a registered advisor. Members remember her pitch for her $180 credit monitor service! WOW. Better alternatives in our Guide: http://www.amazon.com/Insiders-Guides-Discount-Financial-Services/

How is your auto insurance company rated by customers?
Check at http://www.insure.com/best-car-insurance-companies/

New Year resolution—Stop leasing your cars
Leasing a vehicle for 36-39 months is waste of money. You could be investing that $10,000 -$12,000 to make sure you have enough later on. Buy a used car that still has good mileage and low maintenance. http://www.kbb.com/car-news/all-the-latest/10-best-used-cars-under-8000-1/

Allstate raises rates, again, in IL for homeowners
It's the second time in less than a year that Allstate has raised homeowners rates in Illinois. In July, the company said it was planning to increase rates 2.5% to 9%, effective July 11. But it also hiked the discounts it offers to policyholders up to 5% for taking on options such as paying the premium in full or paying online. Time to shop for new coverage: http://www.amazon.com/Insiders-Guides-Discount-Financial-Services/

When is the best time to take Social Security benefits?
Many people are giving up 25% of their benefits by starting early at age 62. Is this smart?Find out why or why not. What are your options if you have to start early? http://www.aarp.org/work/social-security/social-security-benefits-calculator/

Managed funds see flow to index funds … again
Most popular funds from American and Fidelity lost customers last year. Many went to Vanguard as index funds with low expenses faired better during the market volatility
PA health insurance for less

Simply Blue PPO, a new individual insurance plan that offers simple health insurance coverage with a low premium, low deductible and predictable copayment structure. plan, offers preventive care benefits with 100 percent coverage, emergency room coverage and vision benefits. Premiums for Simply Blue are as low as $90 a month with a $500 deductible for males ages 25 to 29. Plan description: "Individuals can feel at ease knowing that they are covered for preventive services to keep them healthy and have the protection against the high cost of unexpected illness or injury." Members buy only what they need: : http://www.amazon.com/Insiders-Guides-Discount-Financial-Services/

Is your car safe and repairable at reasonable cost?
Check your vehicle for relative cost of repairs and medical/injury ratings. The most expensive are not always the safest or cheapest to repair. Some are twice as safe as the averages but cost the same. Members save on their purchase by using the “tricks of the trade”: http://www.amazon.com/Insiders-Guides-Discount-Financial-Services/


SCAMS
Brokerage caught screwing clients on purpose -- cost Citi $54 million
“… the product was defective, management inept, risk controls nonexistent and the effect was ruinous. If one drives their car into another, they are responsible; they have no option but to take responsibility for their actions,” One witness said. Citi tried to cover up the mess when clients complained about the losses.http://www.nytimes.com/2012/01/15/business/in-citigroup-case-a-risk-rating-investors-didnt-see-fair-game.html

Insurers, caught holding death benefits, face little penalty for fraud
Prudential Financial Inc. has settled with Massachusetts and 19 other states, agreeing to improve its practices in identifying beneficiaries who are due unclaimed life insurance death benefits. What kind of accountability is this?

Let me know what you think. Editor@TheInsidersGuides.com

IAN 41 Watchung Plaza, B242 Montclair, NJ 07042 347.746.2014
http://www.insuranceadvisorsnetwork.com/
Alerts available at http://dankeppel.blogspot.com/
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Monday, May 19, 2008

THE FACTS OF FINANCIAL LIFE

Keep YOUR kids out of debt! Explain the FACTS OF LIFE now!

You can help your kids stay out of debt and reach all their goals in life by explaining the FACTS OF FINANCIAL LIFE. You can do this only if you know the answers to these two questions asked of 12th graders. These questions were asked of participants in the JumpStart Coalition on Personal Financial Literacy.

Which of the following tends to have the highest growth over long periods, say 18 years?
a) A checking account.
b) Stocks.
c) A U.S. savings bond.
d) A savings account.

At age 25, Mary began investing $5.56 per day, $2,000 a year. At age 50, Rob started saving $4,000 a year. They now are both age 75. Who has more money saved for retirement?
a) They each have the same amount.
b) Rob, because he saved a bigger amount each year.
c) Mary, because her money grew for a longer time at compound interest.

If you correctly answered "b" and "c," you did better than most of the nation's high school seniors. Most got them wrong. A Schwab survey found that while 70 percent of parents had taught their kids how to do laundry, only 19 percent had explained how to invest money to make it grow.

It is not difficult to learn these lessons. In fact, our members have found the pictures and charts in our FREE Guide make it easy to explain the FACTS OF FINANCIAL LIFE. Try it yourself for FREE at www.theinsidersguides.com/freeguide

It is a curious thing that our representatives in Washington have not found a financial literacy course for our schools after 220 years. According to John Adams:

"All the perplexities, confusion and distress in America arise, not from defects in their Constitution ... not from want of honor or virtue, so much as from the downright ignorance of the nature of coin, credit and circulation."

By the way, Mary will have about $6.5 million and Rob will have about $630,000 using a tax-free low-cost broad market index account.
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