Is your 401k robbing you blind?

 

Survey: “I wish I had learned more about financials”

Many respondents wish they had taken the time to learn more about financial products. We are all very busy and don’t get a chance to learn more about making and keeping money. And yet, for many, the amount of money we have later makes a big difference in our lives. I was lucky. After working a few different jobs, including managing a small health bureau in NYC government, I managed a small operation in a Wall Street firm. I had a crash course in annuities, mutual funds, and insurance. I learned about the products brokers and advisors sell to the public. The most important lesson I learned was which products to buy and which to avoid. I have put that information into short reads that most folks can follow and succeed with. Unless you are wealthy and need special tax advice, I found that the simple products are best. You can understand them and pay much less than those products and services with all the fees, commissions and charges my industry uses to get rich. Pay less; keep more.

Take your discounts: https://www.amazon.com/Insiders-Guides-Discount-Financial-Services/dp/143480593X

 

Is Impact Investing right for you?

Social and environmental focus while you grow your portfolio sounds good. But most companies you may support are not pure plays. For example, Ben and Jerry’s was famous for its social and environmental concerns but it is owned by Unilever of UK which has a questionable environmental history. Labels such as socially responsible investing and impact investing are often used synonymously, alongside other terms like ethical investing and sustainable investing. They usually refer to a similar idea: Using your investing dollars to make a positive difference in the world. But my idea of “positive difference” and your idea can be different. For instance, some investors with particular religious ideas may invest in companies like Hobby Lobby since they have a strong religious mission. One of those missions is Museum of the Bible, a non-profit run by the Green family. Internal staff had warned that some items bought by the Museum had dubious provenance and were potentially looted from Iraq. Several shipments of the artifacts were seized by US customs agents in 2011, triggering a years-long struggle between Hobby Lobby and the federal government that culminated in a 2017 civil forfeiture. As a result of the case, Hobby Lobby agreed to return the artifacts and pay a fine. 3,800 items seized from Hobby Lobby were returned to Iraq in May 2018. In March 2020 the Hobby Lobby president agreed to return 11,500 items to Egypt and Iraq. It may be better to “invest” in your local charity (tax deduction improves your return) and leave your portfolio with “passive” investment guides.

Dream and plan: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

 

Is a SPAC right for you?

This type of investment is in the news because Trump is using a Special Purpose Acquisition Company to raise funds for his promised media firm “Truth Social.” A SPAC is like a reverse IPO—managers raise funds from investors to speculate on some project in the future depending on the amounts they raise. A special purpose acquisition company, Digital World Acquisition Corp, had two hedge fund investments until it announced it was helping Trump, who was impeached after being accused of inciting the Jan. 6 attempted coup. At the announcement of the SPAC with Trump’s venture, its share price zoomed higher. SPACs, also known as blank-check companies, are created to raise capital from public equity markets and then use that cash to merge with a private company that has or will have an actual operating business. Thus the two hedge funds probably profited from the news by selling ahead of the actually work with Trump. As usual, most of us were not able to buy and sell at the right time to make a profit without prior information about this event. We are better off taking Buffett’s advice.

Follow Buffett’s advice: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

 

Is a 401k loan a good deal?

Yes, but. 401k money is your money. It may seem like a no-brainer to borrow your own money in a pinch. However, this loan is probably the most expensive loan you will ever take. When you take money from your future nest egg, you are taking giving up one of the most valuable things you own. You can replace the money you take but NOT the time your money is using to grow. Example: $10,000 missing from stock market growth for 30 years can cost you $198,373. That is how much more you would have if you left the $10,000 in a market index fund earning the average 10% per year. Your $10,000 earns dividends and earnings on reinvested dividends. Sure you could tell yourself you will pay the $10,000 back in a year, but few borrowers actually do. Many plans require repayment within 5 years. If you fail to repay there is a penalty plus income taxes. If your employment ends with a loan outstanding, you may have an immediate repayment demand. However, with the pandemic job upheaval, taking the loan was seen a necessary and that loan may never get repaid. Many will just start over when they are employed again. The loss of the time in the market can never be made up.

You may have to work longer. https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

 

Is your 401k robbing you blind?

If you have been able to continue to contribute to your employer savings plan during this critical time, congratulations. If you have been able to contribute more than the plan’s default savings rate, Double Congratulations. During this bull market, many have been lucky to double their plan balance. A simple low-cost index mutual fund has risen over 16% a year in the last 5-10 years. Others have not done as well because they used the default investment option of their employer. Usually the other options come with higher expense ratios, and thus have not benefited employees as much. Some firms have been sued because the employer options have been poor or compromised. Of course, employees can contribute more in order to gain a higher employer matching amount. However, the low-cost investment option usually provides a higher retirement balance than a higher contribution amount. The BEST strategy would be to pay the least fund and plan fees with the highest employer match. This combo—least cost; maximum contribution; highest match—helps you reach your retirement number faster.

Avoid high fees: https://www.amazon.com/Robbing-You-Blind-401k-fees/dp/1493588966

 

How you can hurt your credit score and report

Car rental: If you use a debit card, a rental company may check your credit history. Confirm the reservation with your credit card to avoid the unnecessary credit inquiry. Then, settle the final bill with your debit card upon returning the vehicle. Cutting credit card: If you close a credit account, you may raise your credit utilization ratio—percentage of your total being used—which is bad for you. If you use $5,000 of your total credit of 15,000 and then cut one of your other $5,000 cards, your ratio is now 50% not 33%. 30% is better. Missed payment: if you miss a rent or car payment, your delinquency may be reported to the credit bureaus. Disputed bill: if you are not happy with a bill, the vendor can ding your credit for failure to pay on time. Breach a contract: refusing to pay a membership you don’t want gives the company reason to hurt your credit. Unexpected bill: you need to negotiate a payment plan instead of ignoring valid assessments. Apply too many times: each loan or card application is a red flag to creditors. Just because you can apply does not mean you should. Each car dealer will check your credit if you are shopping so shop online first. Use credit wisely so you always have it for emergencies.

https://www.amazon.com/Money-Scams-financial/dp/1505437962

 

Why do we need to subsidize the billionaires?

Walmart family members have billionaire legacies from the founder, Sam. And yet, we US taxpayers must subsidize them to earn more. Why? For many years, we have had to provide food stamps (SNAP) and other financial help (Medicaid) to their employees to give them a living wage. Walmart employees receive $ billions in US food subsidies. About 70% of the 21 million federal aid beneficiaries worked full time, a GAO report found. This means the Walton billionaires would have earned less if they paid a wage high enough so we taxpayers did not need to make up the difference. McDonald’s was among the top five employers of Medicaid enrollees in five of six states and SNAP recipients in eight of nine states. Other notable companies with a large number of employees on federal aid include Amazon, Kroger, Dollar General, and other service and retail giants. Many employees are paid about $10 per hour or $400 a week BEFORE taxes. The federal poverty level is $26,500 so many employees of the billionaire companies qualify for US subsidies. Many employers pay NO taxes to cover this federal aid. Many wealthy people have already reduced their tax bill with tricks. We subsidize the rich since they profit from paying less than a living wage to most of their employees.

Socialism, American style: https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

 

 

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

 

 

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

 

Our Jan 6 ‘Truth and Reconciliation Commission’

 

 

Extremists: “FBI Instigation of January 6th”

 

Bannon to Congress: F…You

 

Trump to Congress: F…You

 

Frmr military & police plan gov overthrow

 

TX attorney general: Biden overthrew Trump government:

 

Congress fails on voter rights

 

 

How Govt wastes our money:

One coal Congressman sends us into climate disaster: last chance before GOP deniers

VA GOP promises to keep kids from reading books the GOP doesn’t like: Trumpists win

One millionaire decides no wealth taxes: Biden plan to rebuild US collapse: Fair share?

 

Military spending increase after Afghanistan: $46 Billion wasted on broken systems

Wasted tax dollars: 4 agencies paid to do ‘intelligence’ failed in Afghanistan exit

Congress allows wealthy to avoid IRS tracking large transfers to avoid taxes

 

Congress allows drug prices to escalate even more: Our reps profit from the increases

 

SCAMS/SPINS:

Save the children: Delta “plus” variant more transmissible: Stop deaths at 750,000

Children lower risk of serious illness from COVID, but they are likely to spread it. 

COVID 19 is the sixth leading cause of death among 5-11-year-olds.

 

Judge: SW pilots must get vax so airline can make ‘safe work environment” per contract

BEWARE gov workers/police: they ignore vax mandate: we assume they have Covid

NYC police die from Covid still resist vax: 60 so far: NYPD workers dead

72% of unvaccinated workers vow to quit if ordered to get vaccinated

 

 

Kyle’s judge already decided case: victims must be called ‘rioters’ ‘looters’

TX man kills man parked in his driveway: claims ‘self-defense’ as car flees.

 

Fake messages to raise hate: prices, guns, Covid vax,

Fake Covid vaccination certificate purchased so folks can travel: BEWARE 

 

Steven Gallagher OH caught $1 million pump and dump "old-school boiler" fraud

Trustmark National Bank TN caught redlining loans Black and Hispanic neighborhoods

Ann Vick CO caught stole $3.2 million Ponzi scheme promissory notes option tradeing.

 

Hospitals caught overcharging routine procedure by label ‘emergency’ $16,221.26 birth

Fast food may contain plastic: health problems for old and young, reproduction etc

Employers caught winning all mandatory arbitration employee customer grievances

 

Flooding Earth's orbit with thousands of new satellites makes your next ride dangerous

 

HATE maker: Trump warned on social media that looters in Minneapolis would be shot.

Weapons were found in the cars of Jan 6 terrorists: Trump asked them to stop Congress

 

Jobs

Scams on employment opportunities: 16,000 folks claim fraud

Record number of jobs abandoned: business earnings skyrocket

Employers calling back workers they pushed out just a year ago: work for peanuts?

 

Who owns your account now?

Medicare Advantage: JD Power survey best plans

Post office: cash paychecks gift card: Washington, Baltimore, Falls Church, the Bronx

 

Miracles:

Coal burn or Car idling?: CO2 levels in the atmosphere reach a 3 million-year high

Drought-stricken California lashed by heavy rains, flooding and mudslides

Vaccine for breast cancer: trials begin for worst cancer type

 

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/

 

Wisdom comes only thru suffering Aeschylus

 

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

 

Recession talk scare you?

Where to put your money if recession talk scares you?

There is talk of recession since people who claim they know economics get paid to scare us. Since no one knows for sure when and how this event will take place, we are on our own to decide what to do. Some are already running for their money market accounts even with low rates compared with inflation. Clearly stock and bond markets will be unsteady. Our choice, as always, will be decided based on our time horizon. Warren Buffett is looking for bargains at this point. He already had tons of cash. But he isn’t selling his portfolio as if the world will give up on capitalism. Long-term stocks will beat inflation. Our cash and bonds may help us avoid a big plunge in current account values. However, like Buffett, we should hold our long-term investments with a balanced approach. If we need cash in the next year we should have been accumulating it up to now. Many of our members have been buying the balanced fund Wellesley Income for years since it has maintained a return of over 9% since 1970 with low expenses.

No-worry money advisor: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

Elder bankruptcy up

Bankruptcy has increased to 12% from 2% in 1991 for retired persons. Weakened trade unions, stagnated wages and the disappearance of pensions are among the factors that contributed to rising elderly bankruptcy. Many retirees also face rising medical costs as they live longer than expected and Medicare covers a smaller share of their health care needs. What can pre-retirees do? Contrary to what many people think, saving for retirement can help employees boost their ability to pay their student loans, according to a CNBC article. That’s because pretax contributions to traditional retirement plans can help minimize their adjusted gross income. Since the monthly student loan payments are based on AGI, a lower AGI could result in lower payments. “Any time you can put money into your qualified retirement plan at work, it’s always a good thing,” according to an adviser. The most important factor in avoiding a lack of cash later is using the miracle of compounding as early as possible. Compounding can double your money in 7-10 years. Thus doubling your 401k contributions to low-cost stock funds even at age 50 can improve your nest egg three fold. Warren Buffett says compounding made him wealthy.

https://www.amazon.com/Miracle-Compounding-Turn-day-into/dp/1470176513/

Is your advisor helping you this year?

If you are paying your advisor for money management—1-2% of your TOTAL nest egg—you have a right to ask this question. What is their track record? The market has provided 9% for the last 10 years including -37% in 2008 (2008-2018). So far in 2019, you should have earned over 17% with 11% long term returns. If that ‘professional’ advice you are overpaying for has not been useful, perhaps it is time to switch to Warren Buffett’s strategy. When you need special advice you could pay for it at the CFP’s hourly rate like a lawyer. $750 for 3 hour review of your plan vs $7,500 over 10 years of fees. Otherwise, Buffett recommends low-cost index funds. Morningstar has found that the most important determinant of investment success is the cost.

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

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

Women: Median Retirement Income Is 42% Lower Than For Men

An average working woman earns 21% less than an average working man. While a portion of this earnings gap is caused by different career and lifestyle choices between men and women, gender discrimination still sandbags women’s ability to earn an income and thrive during their working years. The gender earnings gap has implications for women as they age. For example, the average woman qualifies for Social Security benefits 23% lower than the average man. On average, women have life expectancies five years longer than men, requiring higher levels of retirement saving. The report’s authors also found that women face higher retirement health-care costs, needing an average of $140,000 by age 65 to have a 90% chance of covering their health care costs, versus $124,000 for men. Women have less income to accomplish higher retirement income needs than men. So women have a greater need to make their investment dollars grow faster than men. Warren Buffett recommends that we are more successful investors by being patient. Women are more successful investors because they are less likely to engage in rapid asset transactions. Buy and hold is often the best strategy.

https://www.amazon.com/Ensure-Your-Financial-Health-Wealth/dp/1466388293

**********

How Govt wastes our money: Congress spends another 1.7 Trillion we don’t have! 

Families torn apart by Trump’s actions sue $ billions from US not Trump. harmed or fondled!

Trump’s 2017 tax break for family recalled in Trump tariffs: we pay $1,000/year in tariff

Trump considers payroll tax cut to boost failing economy: He also claims not failing!

Trump plans capital gains tax cut: why even bother with Congress taxing authority?

Bank lobby killed rule that kept banks from making wagers with our deposits: Bailout II?

Pentagon cancels ‘missile killer’ project: saves US $1.2 Billion

SCAMS/SPINS:

Bundling your car and home insurance may not be as good for you as it is for insurer.

Trump calls El Paso mayor a RINO to his face: Weak dictators insult grieving to face.

NRA tells Trump to forget background checks: blame mental ill as diversion for votes.

Scam to steal your Medicare ID promise screening for cancer: suffer emotional abuse

Trump rallies are full: participants receive overtime pay from employers.

Now he is calling the Jews ‘disloyal’: his concentration camps are built and ready

Trump changes rules to hold immigrant families ‘indefinitely.’ Jail kids over 20 days.

Trump considers cuts to Medicare to trim deficit: Wealthy tax cuts created $1 Trillion

Trump to end your child’s birthright: we have to pay to buy our kid’s citizenship. Insane!

John Tillotson caught impersonating clients to transfer funds to his firm

Scott Strochak Castleberry caught fraud promised insured real estate returns

Sheraton caught letting legionnaires disease grow in water system: killed 1 guest

Insurance firms pay police/prosecutor to convict customers of faking theft/damage.

IRS does not send emails: do not open email from them

Jobs

The war for talent in the independent broker-dealer industry is real: Best get more fees.

CEO pay grown 940% since 1978, while workers’ pay only 12%. CEO’s power not skills

Execs get the raises this year: workers get discretionary bonus for top performers

Boeing hires to start delivery schedule of 737 Max

Goldman Sachs hiring coders to make trades: Program trading is dangerous like last time.

Who owns your account now?

Low cost places to live when you must start a new life on limited budget.

Vaping may cost you a lung: heavy breathing can give high too.

WV finds and returns $1.2 million in life insurance benefits people did not know about.

Why Robo callers can’t be stopped by government or tech or God: Window-dressing deal

Miracle:

Your lucky day: woman survives chute failure 5,000 foot fall—hit trees at 120 MPH

Miracle if Congress bans AR magazines: NOT for hunting; just killing: 41 in 32 seconds

Catholic teaching: the priest’s “racist” dog got black cleaning lady fired. He blames dog?

Trump retweet: Israelis “love him [Trump] like he is the second coming of God.”

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

Alerts

More American ‘Socialism’—Our taxes go to make rich, richer

More American ‘Socialism’—Our taxes go to make rich, richer

Amazon’s Bezos, the man with more wealth than half the nations of the world, takes government money to locate in VA. (America’s form of Socialism is called subsidies)

If Bezos needed another place to work, he could have built anywhere and people would work for him and pay taxes. It will take years for government to earn back this Socialist handout. Many taxpayers across the country are putting their hard-earned money in the pockets of the already wealthy business owners. Governments give money to the elites: Russia helps Putin’s oligarchs just as China subsidizes its businesses. In many studies, subsidies are ineffective for taxpayers since the payback never happens. Once we give money to one, everyone wants the same deal. Of course most businesses that receive tax money don’t really need it like a small business starting out would. An estimated $18 Trillion was transferred from taxpayers to private hands between 2000 and 2015. 99% of it went to large companies, even foreign banks. Yet when those same taxpayers could not pay their mortgages from temporary layoffs, they were ignored. Many lost the home they had put their savings into. People had to give up a lifestyle to survive on less.

Avoid paying corporate subsidies: https://www.amazon.com/Pay-No-Taxes-Retirement-legally/dp/1507527977

Do you need a lawyer to start a small business?

In some states, you do not need the state’s permission to start a business. Some states require you to get a specific name approved for a new legal entity like a Limited Liability Company (LLC). You may be able to do this yourself. For instance, in New Jersey you complete and file a Public Records Filing for a New Business Entity. You pay $125 to New Jersey Division of Revenue in the Department of Treasury. The filing takes 2-3 weeks. The document becomes the original Certificate of Formation, which states that your LLC has been formed. After that, you need to obtain an employer identification number (EIN) from the IRS, open a business banking account, and finalize an operating agreement. However, since you are starting out, you are better off just using your name as your business. Don’t waste your money on a lawyer or an official entity. Just follow the tax requirements: https://www.irs.gov/businesses/small-businesses-self-employed/self-employed-individuals-tax-center. Don’t cheat. My experience led me to Dummies book and Nolo.com. Prove your sales work. Many libraries have these books.

Don’t waste Start Up money: https://www.amazon.com/Save-3000-every-year-Only/dp/1500681571

Be prepared: we will all live longer

25% of men and women will live into their 90’s. The life insurers keep track of this for profit’s sake. That is 30 years! To get ready, we must either save more, save smart or work longer. Depending on your situation, saving more and working longer may NOT be viable options. Many of us should be saving smarter. Some may find a less stressful job. As an AARP tax-Aide volunteer, I see every combination of these folks. Most in their 90’s can’t work. They are scraping by on SS benefits of less than $20,000 a year. Some are lucky to have an old-style pension but it does NOT increase each year. Some have annuities but they don’t increase either: $1,000 a month was good 25 years ago but no longer. One couple in their early 70’s have two great state pensions after working 25 years. Most teachers are famous for saving money. Some retirees have great dividends and interest. Very few have Medicare supplemental health plans. Very few used a Roth IRA for tax-FREE income. Very few retirees I see have a smart portfolio of stock and bond mutual funds. Some have brokerage accounts with trades they never understood. They have some gains but the fees almost wipe them out: $720 gains but $588 fees. I cannot advise them to use smart savings funds: stock/bond funds at low cost in retirement. But I know they will need them for 30 or MORE years.

They need growth and income: https://www.amazon.com/Your-Plan-Live-Age-100/dp/1548180793

Are you ruining your kids and your own retirement?

Nearly 80% of parents give some financial support to their adult children—to the tune of $500 billion a year. That’s twice what parents put into retirement accounts. Almost three-quarters of respondents acknowledged putting their children’s interests ahead of their own retirement needs. Half of Americans approaching retirement have nothing saved in a 401(k) or other individual account. But where does that leave us? Will they be able to take care of themselves once the money is gone? And what about us? We end up living on meager SS benefits and they can’t manage their own income shortfall. We might feel we must share our wealth because the longest bull market has kept us safe. But our good luck may not rub off on our kids. They will choose the easy way instead of working their way up from the bottom. College is not the only answer—certainly NOT for everyone. They may be a better technician than a manager under extreme pressure. Student debt is strangling us. Perhaps a better way is to offer them a business proposition—instead of living with you and all the comforts of home—write them a business loan to get them on their feet. Like immigrants to this country, they can find their own way of making a living. You have helped them but you haven’t crippled them for life and your own future!

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

Where is FREE tax preparation?

The free AARP tax-aide sites are filling up quickly: aarp.org/money/taxes/aarp_taxaide/. Before spending $200-400 for a paid preparer, try filling in the screens using the IRS partners at irs.gov https://apps.irs.gov/app/freeFile/. The instructions are easy to follow especially if you have last year’s return to compare what forms you need. I have found https://www.freetaxusa.com very easy to negotiate and respond to email questions. This one charges only $15 for your state return: Fed is free. It is still $15 when as complicated like mine. Basically, you must pay tax on all your taxable income—wages, pensions, etc. This year you have less to deduct because the standard deduction was doubled. Beware some software glitches. However, you lost the personal exemption of $4,050 for yourself, your spouse and each of your dependents. For each child under age 17 you receive $2,000. In high property tax states—NY, NJ, CA, CT, etc you will probably owe this year. The deduction cap is now $10,000 and the average homeowners in these states pay about $20,000 property tax. The law was written by a Rep from a Red state.

Try software at irs.gov https://apps.irs.gov/app/freeFile/ before you go to paid preparers.

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

Make America, “The Don”, Great Again

Senile Psychosis or Parkinson’s delusions? quetiapine and clozapine

Truth isn’t truth, his lawyer says

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

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

Will voters who need ObamaCare vote for it?

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

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

ICE keeps young workers in jail for 6 weeks despite real job. Not indigent; paying taxes!

We spend $57 billions on intel Don doesn’t want: yet gov can’t stop robos to our phones

Pentagon starts building The Don’s Wall despite Congress: Don’s Dictatorship begins.

Climate change ruins drinking water wells in heartland. 280,000 WI wells poisoned.

GOP Rep Lee says solve climate change with more babies. Rep from Utah’s Mormons?

Trump budget cuts $800 billion from Medicare. Poor’s health covered by each state alone

SCAMS/SPINS:

GOP won’t release Mueller since facts scare them but our hacker enemies have it already

WH’s Sanders claims Mueller, a GOP and Dems tried to “overthrow” the government. Really

GOP stays in power by changing NC voting districts to 11 GOP vs 2 Dems. ‘I decide’

Boeing lobbyists took over FAA safety responsibilities: Congress complied 2018!

Robo call scammers avoid paying fines and going to jail: Trump & Congress do nothing!

Vatican squashing women defenders of abused nuns: Women Church World silenced.

‘Roundup’ causes lymphoma but Bayer keeps selling it at stores. Reserves high for suits.

Emergency room staffed by non-hospital staff so out of network: Medical bankruptcy?

Trump to end ObamaCare protection for 20 million patients with pre-existing conditions

Trump: ObamaCare “too expensive” (Trump & Congress use it) We get cheap coverage!

Trump just made it easier for employers to dump retirees’ pensions: Senior Scam

Trump Hannity discuss pardons all around for “this whole scam.” 

Trump in his glory: President comfortable with ‘explicatives’ at ‘lock them up’ rally.

Trump’s FDA hides medical device failures: Surgery staplers allowed to injure US!

BEWARE: Social Security numbers don’t get suspended as claimed in scam.

Duke U caught faking lung function research data to get grant: fine no jail

Brendan Ross, Direct Lending Investments, CA caught $11 million fee over-charges

Fidelity sued by 401k employees for extra fee as kickback to plan record keeper.

Richard Diver caught stealing $6 million overcharging clients to inflate his pay.

Successful fund managers last only 3 years: stars shine then fade fast—index win 10 yr

IRS scams: irs-top-12-tax-scams-to-avoid-2019

College entry scandal leader Singer paid almost 800 bribes to coaches.

If you lie on your loan application, you could go to jail but Don did it all the time: No Jail

Mob Boss gives in to N. Korea: lifts sanctions for NOT scrapping missiles: “I like Un”

“Individual 1” could be a Russian “asset”: Why FBI opened a file on The Mob Boss.

Mueller ignores Mob Boss family Russia deals: OK to conspire with enemy.

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

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

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

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

----------------------------------

Jobs:

Supremes Kava & Gorsuch take summer overseas jobs since $255,000 is not enough!

Wall Street going through layoffs again in 2019. Cycle allows paying less for new grads.

Who owns your account now?

750 parents are involved in buying kids a spot in college: Money trumps merit again!

Investors lost 9.42% in 2018 compared with a 4.38% by the S&P 500: Double loss!

Inherited IRA: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary

Sears' 90,000 retirees lost their company-paid life insurance: pensions next?

Miracle:

ObamaCare saved US $2.3 TRILLION in projected costs: 20 million new insured

Notre Dame giving $1 million: why male priests abuse kids & nuns. Everyone knows!!

“Suffer the little children” America is locking up all the wrong people.

IAN

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