Is a gold asset right for you?

What to do if Trump really did cancel SS funding?

At his NJ golf club, Trump promised his wealthy members: “I plan to forgive these [postponed] taxes and make permanent cuts to the payroll tax,” adding “I’m going to make them all permanent.” So all his members clapped (clap signs flashed) and will vote to end SS, Medicare, income and other taxes. Later they learned he will also cut capital gains taxes so they will owe nothing on the gains in their assets. However, in January Trump tweeted “Democrats are going to destroy your Social Security.” Members of his club and the wealthy are already avoiding most of those taxes since they are not taxed on most of their wealth. However, most will vote to end ‘payroll’ taxes since it sounds better than Biden’s promise to deal with the huge deficits Trump has created with tax cuts.

Make sure your have income later: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle-income/dp/1466394285

How can you know whether to trust your advisor?

Does every financial advisor have a basic conflict of interest? Advisors can make money from you in many ways. Do you really know how they make money? Are they on salary or commission or fee for service? Many advisors get paid based on much money you have not on how much they earn for you. So if your account went up because the market went up, you will pay more even if they had nothing to do with it. Some advisors charge an hourly fee like a lawyer. You pay $750 for a written financial plan that shows you a high probability of reaching your goals. Some charge for a specific task. You pay $500 for a re-balancing of your whole portfolio. Some are paid a bonus if they sell certain products and not others. They receive a year-end bonus of $5,000 for selling $500,000 of the mutual funds managed by their firm. How do you know the product they recommend is the best for you? You don’t know if the funds they sold you are better than an index fund until a year after you have paid their fees. Are they working on all of these income streams? Are you given a clear explanation of why your total balance has gone down yet you paid $1,700 already? Trump ended the fiduciary duty of financial professionals on February 3, 2017—one of his first acts in office. You can avoid their conflict of interest.

Buy the best for YOU: https://www.amazon.com/Fiduciary-Rule-BEST-dont-anymore/dp/1530980275

Is a gold asset right for you?

In the wake of gold breaking above the $2,000 level, enthusiasm for the yellow metal has reached a fever pitch. Earlier this week, for example, MarketWatch reported that a fund manager forecasted that gold could double to to $4,000 an ounce. But gold highs are not usually a good sign for real investors. The fundamental justification for a higher gold price that is most often mentioned is inflation. But we don’t have inflation. History tells a different story. “In 1980, some were concerned about… high inflation… From January 1980 to January 1985, the real price of gold fell 65%. People owned CDs paying 12% not gold. Perhaps new gold ETFs are pushing the price higher. Gold has been a speculator’s tool in the past—“I buy because another fool will pay more when I sell.” The gambler knows it is difficult to know when to fold.

Don’t play their game: https://www.amazon.com/Americas-Socialism-Rich-little-people-pay/dp/1535218584

How to stay focused on your long-term goals

With all the craziness of this time—work/no work, school/no school, mask/no mask, bull market/unemployment, deficit spending/recession—it is difficult to know what to do with your future income assets. Many have lost ground with 401k matching suspensions or layoffs. Many have ignored their portfolio since it is not clear what to do now. Many more have left their account in Target-Date Funds. Others have joined the Wall Street frenzy to trade ETF. The number of these index funds has exploded—over 5,000—with only a few making money for owners. During this time it has been helpful to some to just keep in mind Warren Buffett’s advice: “The stock market is a device for transferring money from the impatient to the patient.”

Wait, it gets better: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Is your advisor’s move to a new firm right for you?

Unfortunately, moving all your assets to their new firm is not as simple and easy as they claim. It is the right move for them—more control, more income, more career choice. But you are going to have to deal with all the hassle—even your advisor doesn’t know the half of it—I was a firm manager. You will experience new account documents, lengthy processing delays and, frequently, significant incremental costs. Besides the paperwork and delays, you have new costs, including ticket charges, account level fees and annual maintenance fees for retirement accounts. If you were with a low-cost provider like Vanguard, Fidelity or Schwab, your 0.2% costs may become 2% a year. This increase may rob you of 63% of your total accumulation over time. You may lose asset compounding—the miracle of compounding. You are forced to make complicated decisions about how trades are made, which custodians, clearing firms, product sponsors and other institutions will be used. You will have to sign away your right to sue if they make a mistake. The benefits of one statement or greater compliance are marketing hype. Most firms are required to provide top compliance now. Plus, with larger firms, you usually have more, not less, choice of the product/service and benefits/costs balance. Some even have salaried advisors so you obtain more unbiased advice when you need it.

Do you need an advisor? https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Is a ‘cash out’ refinance right for you?

Mortgage rates keep hitting historic lows. If you are tempted to take some of your home equity for bill payment or in anticipation of job insecurity, think hard about all the possible outcomes first before signing. We were in such a situation recently, and opted for the line of credit (home equity line of credit or HELOC) instead. We already had a lower mortgage rate on a 15-year loan so there was no need to refi for a lower rate. We used the equity to reduce our overall mortgage costs—less interest. We live in a high property-tax state so we could not reduce our monthly payments much more with a new refi. Plus we did not want to extend our mortgage payments for another 15 years. The line of credit is a way to get cash out for home remodeling and emergency without the cost and risk of a new 1^st mortgage. Interest is deductible for home improvements like a new kitchen. The rate is lower than many credit cards. We did not have large credit card debt so we did not need the cash from a ‘cash out’ refi. Our only big monthly expense is the property tax bill and we are applying for a reduction now. We shopped around for a no-cost HELOC.  We avoided all the closing costs of a ‘cash out’ refinance. We avoided prolonging our mortgage payments.

Hope for the best; plan for the worst: https://www.amazon.com/Your-Hell-Fund-goes-hell/dp/1492325627

 

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

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

Philly DA: we have an “authoritarian dictator."

Dictator on Harris: Make America WHITE Again

Dictator’s advisors fear “he may start a war”

Dictator eliminates Congress: ‘benefits’ for all by exec order?

Dictator to stop citizens from re-entering America

Dictator: “I’ve kept us out of war” with UAE?

Dictator cuts PO so we can’t mail-in vote

How Govt wastes our money: Congress gives 3.7 Trillion to the wealthy! 

Congress on vacation: failure is THE option: they leave—we are stuck w/o job or money!

20 GOP senators reluctant to spend more money: spent $3 Trillion on rich: re-election locked

Congress gets $174,000 for not doing job: Wealthy reps think $600 keeps us from work.

“permanent cuts to the payroll tax” Trump handlers: he didn’t mean end Social Security tax

Trump to give wealthy another tax break: lower taxes when they trade or sell assets: “more jobs”?

SCAMS/SPINS:

Facebook takes political sides: Employee fired after collecting proofs?

NRA execs accused of stealing $ millions from dues-paying gun owners

Which foreign government will buy election: Russia for Don; China for Joe?

Despite Trump, kids are NOT immune from virus: 97,000 children positive in 2 weeks

How we are informed: 7 million lies about virus posted on Facebook: can we survive?

FL sheriff bans use of masks by his people and in office as FL cases/deaths zoom.

Jack Brewer sold shares of company he consulted for knowing the stock price would fall.

Advisors don’t get laid off: they get paid whether they make us money or not: overcharge

Robert Jesenik Aequitas caught Ponzi promised returns from notes and funds

Morrie Tobin caught pump-and-dump schemes defraud “innocent investors” $15 million

Pyramid schemes hit struggling workers: promises of huge profits from tiny start-up cash

Jared huddles Kanye secretly in CO: conspire to railroad Black voters

Trump’s postmaster is removing mail sorting machines to slow the mails: suppress vote

Zoom invitation may be phishing scam: hackers using virtual com tools

Packages you never ordered scam: get seller to take it back—they stole your info to use

Are alternative energy firms a scam? Get a lawyer’s read first before you sign.

Is it a scam?  Check AARP scamline 877.908.3360. Check IRS: https://www.irs.gov/newsroom/dirty-dozen-part-1-taxpayers-should-be-on-the-lookout-for-these-scams

https://www.irs.gov/newsroom/dirty-dozen-part-2-thieves-work-all-year-to-scam-taxpayers

Jobs

GA school kids will reignite virus shut downs: quarantine high school kids at home?

Israel learned best way to reopen schools/jobs: protection protocols

Re-opening no masks increases virus cases and deaths: 1,500 dead a DAY record!

IRS tax return center: help open paper returns: check is sitting there: You get IRS notice?  

Post office workers replace machine sorters:  $18.47 to $33.82/hour plus benefits

Who owns your account now?

Our regrets: 50 account/purchases we always regret: sleep on it before you buy

Bargains in home buying: foreclosures are cheaper but not for the novice buyer

Divorce rate for older folks is rising: know your rights, plan your future

Miracle:

Michelle Obama for VP: Biden is too weak without energetic non-political woman

Dems need a “very very nasty” and “disrespectful” VP to overthrow a dictator and mob.

White religious power still favors a dictator who put children in cages; brags about sins

40% people with virus have no symptoms: do they have the cure? Virus never dies?

FL no longer requires test for restaurant workers before serve you: Virus free w/ meal!

I believe the president of the United States: everyone else is a liar or traitor

Tens of thousands acres for oil and gas drilling was to be auctioned: we stopped Trump

Dogs may use Earth’s magnetic field to take shortcuts

Canada's last intact ice shelf collapses due to warming: FL gives sandbags to residents

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts 

Winning in an unfair market

MONEY BALL for Investing: Winning in an unfair market

Your family beats Wall Street in the series because you use Billy Beane’s lessons.

In 2002, Billy Beane did the impossible. He knew he could not afford to buy replacements for Damon, Giambi and Isringhousen, so he hired an unknown economist wonk who had a system. Brad Pitt (Moneyball) explains his take on the system to his scouts. To win we need runs, so on-base percentage is critical. Does not matter how they get there—walks are good. He hires cheap players who have high on-base ratios. Scouts complain the new are not “baseball material” or too old or can't play positions or girl friend is ugly.

            The “professionals” think he is nuts. One is fired. Since the manager, Art Howe, doesn't buy it, he does not use the new players. Billy trades Art's players away so the manager is forced to use Billy's. Billy actually explains to the team how they can win by using their strengths—just get on base. Belichick's “Do your job.”

            In his book, Michael Lewis tells us how the economics of baseball work and how Billy Beane, as a failed player, made history by NOT following the professionals' 'expert' knowledge.

            How can your family beat Wall Street 'professionals' over time? We take the Billy Beane approach.

            First, we acknowledge that we have a small budget for investing. We can't afford the hedge funds, offshore tax shelters, and expensive Wall Street money managers taking 2-3% a year. We use our economic ‘wonk,’ Warren Buffett.

Five steps to win in an unfair market: https://www.amazon.com/Money-Ball-Investing-Winning-unfair/dp/1548831409

GOP House claims to be conservative but gives Defense a slush fund

GOP votes to raise what we owe in national debt even more than Trump asked for so Pentagon can waste more. Amendments prevent a new round of base closures (votes), establishes a new bureau for military in space (plus NASA), limits an arms treaty with Russia, requires congressional notification of cyberoperations and prevents recognition of Russian sovereignty over Crimea. Bases stay open to keep votes for GOP that overspend. Same group wants to cut $800 Billion for health care for the poor. Poor don’t live in the GOP districts, as the GOP drew them recently. Gerrymandered into vote ghettos

Avoid GOP overspending taxes: https://www.amazon.com/Tax-Free-Living-strategies-build/dp/1477452702

Do you know what you are paying your advisor?

Most of us have no idea how much we pay even when our advisor gain/loses our money. Schwab provided this telling optic: https://www.ispot.tv/ad/AwfU/charles-schwab-father-and-son

There are so many costs that it is no wonder that Wall Street has been so successful in hiding ALL their costs that we pay:
Redemption Fee

Exchange Fee

Account Fee

Purchase Fee

Management Fees

Distribution [and/or Service] (12b-1) Fees

Other Expenses

Total Annual Fund Operating Expenses

Why is it important? Because over time, we lose more and more. Example: $10,000 investment in Vanguard Energy vs Fidelity Energy—over $2,000 more profit.

Profit/Loss

$5,760.22

$3,725.74

Plus, this list does not include taxes which funds report in December even if you bought your shares late and had no gains. It does not include your advisor’s annual account fees and charges, typically 1% a year. The average ‘managed’ account earns just 3.79% while the unmanaged low-cost index fund earns 11% OVER time. Your advisor may have taken outsized profits last year as MorganChase did. Your costs=their profit.

Your choice: 11% or 3.79%: https://www.amazon.com/Millionaire-Mutual-Funds-Save-taxes/dp/1534939490

BEWARE: GOP will allow cuts to our Social Security and Medicare in 10 years

The Social Security and Medicare trustees issued their 2017 annual report. “Both Social Security and Medicare face long-term financing shortfalls under currently scheduled benefits and financing. The Trustees recommend that lawmakers take action sooner rather than later to address these shortfalls.” Insolvency is on track for 2028 for the disability fund and 2034 for seniors. Insolvent, however, does not mean empty; it means that the funds would not be able to completely fulfill its debts to the public. Instead of funding the system, cuts in benefits will begin soon as GOP head Ryan has planned. GOP wants to increase the enrollment age. High income people still are exempt from full tax.

Plan for GOP cuts now: https://www.amazon.com/Forget-Social-Security-Medicare-Lifestyle/dp/1466394285

Are you the victim of Wall Street Sales Hype?

Many investors give up 30-63% of their total investment potential over time.

We are mislead about performance, fees and special product benefits we are promised. We fall for the tricks like “this strategy can’t miss” and “rare once-in-a-lifetime opportunity to become incredibly rich.” We believe that these securities can make us rich. FACTS: The average investor earns only 3.79% over time. We believe in all types of sales hype. Our advisor convinces us that the research they do will assure us of enough for our kid’s college and guaranteed retirement income “we cannot outlive.” Even the wealthy are tricked by the “sophisticated” traders and hedge funds. Buffett says they don’t listen to him because they think they are smarter or have an inside track. It is time to hear the other side of the story—from one who helped produce your advisor’s favorite marketing tricks and hype. Wall Street has us chasing fewer good deals because more investors are finding the alternative that lets them keep more.

You don’t have to give up 63% to succeed: https://www.amazon.com/Sales-Hype/ dp/1548534382

New TrumpCare with Cruz junk insurance change

Most GOP governors, medical providers and the insurance industry see the new problems with TrumpCare. "We think it is unworkable," said BlueCross BlueShield. She predicted skyrocketing costs for taxpayers also, stuck with the bill for sicker patients. It gives higher tax deductions to upper incomes but employers may see it as an invitation to drop health benefits. It gives states more money to shore up private insurance, not Medicaid. Medicaid subsidies will be phased out and so the poor, sick and elderly will die prematurely. Insurers will offer junk insurance again (“all they have to do is dust off how they did business before ObamaCare”) so many with a ‘policy’ will find it is void with one-day hospital visit. American Medical Association is not happy with the opioid grant. People in “drug rehab need comprehensive health insurance.” NV gov Sandoval: "You think about the 210,000 men, women and children, senior citizens, the drug addicted, the chronically ill," Sandoval said. "These are people that used to get their treatment in emergency rooms, if they got any treatment at all. I keep going back to the fact that they are living a better quality of life." Most states have “single-payor” system now—one insurer can raise prices like EpiPen. Thanks to ObamaCare, Sen McCain’s surgery is paid for by us. Congress get surgery before ObamaCare repealed! Whatever happened to Trump promise to make health care better for everyone? PLUS Congress is exempt from their law. 74% Americans want fix with DEMs.

TrumpCare destroys America’s promise to aid the poor, sick and elderly: https://www.amazon.com/Your-Retirement-Income-Checklist-TrumpWorld/dp/1544703260

Ultra wealthy grow assets; are you?

The number of people worth $30 million or more is growing according to the World Ultra Wealth Report 2017. It reveals there are 226,450 individuals worth $30 million or more around the world. That signifies a rise of 3.5 percent from 2015 levels and represents $27 trillion in assets. Average American incomes are rising at a much lower rate; widening the gap between the rich and poor. Innovation coming from immigration and foreign students was curtailed, causing more Americans to give up the dream of prosperity.

Most important issue: what do you do with your 401k or retirement accounts—your income for the future? Many people take the money and pay a big penalty and taxes. This stops your assets growing. It is TIME not stock-picking that wins the wealth game. Rich people don’t work harder than you do. They use compounding like Buffett and so can you. You could have $250,000 or more by leaving your money alone. Best answer: let an IRA trustee roll it over into a low-cost IRA account so there is no penalty or tax. More important you let your money accumulate tax-FREE and low fees at Vanguard, TIAA.

Let your wealth grow: https://www.amazon.com/401k-IRA-Tax-FREE-Tax-Deferred-retirement/dp/1475057938

What can you do if the market crashes?

To grow your investments you must think like a business person and use Best Practices: Compound high earnings. When the market is going up, many writers earn their living voicing fears. But before you decide to “sell all before the crash,” remember that there is no place to hide. Every market goes down and up. Business will continue. Look at the record: enter IVV at https://www.google.com/finance?q=NYSEARCA:IVV and click “all” at Zoom in the chart. Since 2000 there have been 2 serious corrections, but your overall gain is 77% as of July. Now, I ask you, where are you going to get that gain? If you sold out in 2002 or 2008, you would have missed the sharp rebounds. If you went to bonds (BND), you would have 9% since 2000. “The stock market is a device for transferring money from the impatient to the patient." Warren Buffett

Buffett’s secret will help you stay for wealth: https://www.amazon.com/Warren-Buffetts-Investment-Secret-Steeple/dp/1484189809

Need cash? Is a home equity line right for you?

Consider credit union as your source for money when you are temporarily strapped. “You get more back than you would belonging to a bank,” an observer says. “You get better loans, you get better products and overall, we like to think better service.” Banks don’t need your loan and but credit unions do because they serve the public. If Fed rates go up as expected, you will be happy you have your rate even if you don’t need the money now. Some do not require union membership to qualify. http://mapping.ncua.gov/

Get all your discounts: https://www.amazon.com/Personal-Finance-Smarties-Not-Dummies/dp/1469973030

Do you need a reliable car?

Consumer Reports has its list of 10 but what if you can’t afford them? Many wealthy people who can afford $80,000 for a new model every year, say they prefer to buy the slightly used versions. Cars lose value over time and the rich don’t like to lose. Used luxury is a value to them. Reliable used cars are a value because they want assets that grow in value not lose value. So try used luxury or just used family transportation like the Camry or Accord. I found a bargain: 2012 Camry for $11,000 only 54,000 miles. What about a SUV under $25K? OR 2014 Acura $24K? Dangerous SUV to avoid.

Shop for insurance and save: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

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

TrumpWorld

Goal: Everyone knows the Trump brand around the world

Is Trump really above the law in his actions?

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

Trump supporter is upset with DC and future; overlooks his sins

Trump boasts of highest TV ratings since ‘the World Trade Center came down’

‘Trump’ brand is all he cares about—it is all he knows. Trump vs America brand

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

Putin has captured Trump’s patriotism—Don sees no collusion with enemy

Trump gives in to Putin: removes CIA from Syria leaving moderates to scatter.

Trump group places mob ties above country; it’s about money and power not US service.

Russian lobbyists guide Trump crew and GOP on business interests toward Russia.

Exxon Tillerson pays $2 mil fine for violating sanctions out of his own pocket change.

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

Like mob boss, he threatens Sen Heller NV ‘Look, he wants to remain a senator, doesn’t he?’

The Don threatens Attorney Gen and Prosecutor Mueller. Wants FBI his personal police.

Trump tells Senate to end ObamaCare—Double uninsured Americans overnight

Who knows what Jr got from Russia; Trump in the meeting? Came long way for nothing?

Receiving stuff from ‘foreign power’ during campaign is illegal—even for idiots.

Russian spy who met Jr and Putin lawyer says: never use email to convey secrets. Jr deaf.

Trump group blames Secret Service for Jr meeting with Putin operatives. Give me shovel

Even Fox calls TrumpWorld on lies. Why would Putin insider come to NY for nothing?

TIME cover that should replace the fake ones in The Don’s clubs worldwide.

Mobsters don’t call the FBI when doing an illegal deal with fellow mobsters.

Trump’s FBI Wray promises he won’t give his employer a free pass. He got Christie off.

House GOP gives Russia pass on new sanctions OKed by Senate—aiding and abetting

Vatican calls Bannon out on his extremism--“not too far apart” from Islamist extremism

Trump uses ministers to try to reach God for help with his crimes.

Putin’s hackers now into our nuclear and utilities. Trump denies NSA proof.

Putin will have full access to our 2018 elections since Trump doesn’t want DEM win.

15 state voting machines have been hacked already: Putin ready. GOP does nothing.

The Wall will not be completed because not needed, Trump fix old one.

Trump now for the Iran nuclear deal he promised to kill.

Theory: Trump got Russian funding for business so OK to help ‘lost cause’ campaign.

No one expected him to win so no harm getting Putin help. Don owes Vlad money!

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

Jr meeting of Putin lawyer includes Putin real estate ‘banker’ w/ NJ front IBC.

Ivanka using her Dad’s brand to sell you foreign goods at 89% markup.

Jared (president’s) family still pitching real estate deals for Chinese investors.

Trump claims “Buy American” but not his hats, her clothes, MarLargo foreign workers. Ivanka gets $23.6 million US grants to support her foreign cheap workers. Report Ivanka’s forced-labor shoesclothing line: https://eallegations.cbp.gov/Home/Index2

Dictator talk time:

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

Trump threatens special prosecutor to NOT investigate his ‘deals’ with Putin mob.

Trace money laudering and real estate deals—trail is clear to Putin’s mob buddies.

FBI builds case from outside in: Manafort, Ross, Oligarchs, Banks, RealEstate,

Consultant Trump, Caputo, warning campaign officials against talking to the House.

Trump asked advisers: power to pardon family, even himself 

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

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

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

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

Regulators are the only protection against corporations since we can’t sue anymore

“It is nearly impossible for one individual to take on a corporation with vast resources.” Supremes stop us from suing—State courts no longer available to sue corporations!

House makes bill for UK baby but cancels neo-natal care for US babies. Crazy!

Top US justice official decides it is OK to discriminate against people you don’t like.

Trump cancels $3 mil Harley fine for pollution from hogs.

Congress uses ObamaCare: Start your ACA applications now if you need insurance.

We need regulation—GOP wrong—companies/cities wouldn’t fix bad products on own

GM killed 124 because ignition switch pin not replaced after knew it killed first in 2006.

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

Police want gun control.

When everyone has guns; your chance of being killed goes up. Police don’t know who to shoot. They assume everyone has one and shoot first. You and thief have guns. CO schools now allow teachers/administrators to carry guns in the classroom. Kid lesson! Since 2015, police have killed 86 people with realistic looking FAKE guns--suicide?

Woman shot dead by cops after she called 911 for help about attack. Cameras off ?

Congress gives itself FREE home security system; maybe carry guns in Congress.

Cops plant evidence but caught this time; Camera on—oops “happens all the time”

FL gun owner shoots at ATT trucks because they did not move fast enough. He ‘snapped’

SCAMS:

Trump committee wants law requiring citizenship proof: foreigners don’t wait hours.

Traitor Flynn wants us to pay for lawyers and defense against FBI. Ask Turkey Putin!

Traitor Page wants you to buy his “tell all” book working for Putin and Trump.

Radio host/climate denier to run Agriculture Dept. Raytheon lobbyist to run Army

Ignoramus Award:

GOP to cut agency that ensures the voting process is secure: Putin at work in our House!

Global warming is real: 1942 hikers found in melting glacier – thawing out now!

Japan to dump radioactive waste in ocean—no more fish for some years. 

How our government wastes our money:

Trump publishes private info of the citizens who complained about voter-fraud fraud

Where have all the jobs gone?

College or trade apprentice? $27 hour pipe fitter can’t be outsourced. 10 best now.

Job interview will ask for your salary requirements. Answer: I will research the range.

Which job board sites are best for your job search?

Learn Spanish so you have another skill for jobs.

Free and fun: https://www.duolingo.com/course/es/en/Learn-Spanish-Online

Miracle:

FDA: OK to use altered genes to cure cancer! Technology to reprogram immune cells called T cells to target and attack malignancies.

IAN

41 Watchung Plaza, B242

Montclair, NJ 07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts