How to “guarantee” a tax-FREE retirement income

 

Can I use my Roth IRA as my emergency fund?

Sure—you already paid tax on the money you contributed to a Roth IRA. However, there are a few rules to follow. When you withdrawal Roth IRA funds for an emergency or any expense, take the “contributions” first. Your custodian usually has a record of what you put in versus what that money has earned. Contributions can’t be taxed again and there is no penalty even if you are under 59.5 years old. If you are older, there is no tax either. Make sure you tell the custodian that you plan to put the money back in 60 days so they code the withdrawal properly. You are allowed only one rollover per year. Logically, you want to keep your Roth IRA emergency money in a money-market fund. However, many folks begin making contributions to a balanced (stocks and bonds) fund so they can build up the amount over time. Periodically move money to a Roth IRA MMF. When you need funds, make sure the money can be transferred to your bank account quickly. Do NOT let them take taxes out—you paid taxes on this money already. Don’t let them cut a check that you won't get for weeks—they like to hold the cash in their account as long as possible. You can even use this fund to pay no taxes later in retirement.

Build your tax-FREE account: https://www.amazon.com/Your-ZERO-Tax-Account-Wealthy/dp/1482772795

 

Which type of broker/advisor is best for you?

If we could know the future, this would be an easy decision. Bernie Madoff just died but his fraud is a lesson. Madoff pleaded guilty to 11 crimes: defrauded as many as 37,000 people in 136 countries over four decades. Mr Madoff was chairman of one of Wall Street’s regulators at one time. His investors gave him tons of money to invest because he promised to do his best and his creds were above many other advisors. Each week I document the many scammers in my old industry. There is no guarantee for investors. As a broker dealer manager, I saw how good well-meaning sales people can veer into trouble. Why? There are few safeguards in money-handling sales. The product is invisible. One is the designation called CFP. CERTIFIED FINANCIAL PLANNER™  Like a lawyer, they work for fees not commissions. The other way to help you avoid a Madoff type scam is to use a fee-only securities provider. Vanguard Group offers products via a unique corporate structure: We investors actually own the funds we invest in. There is no middle person/firm to take profits. Vanguard has salaried non-commission licensed “crew members” to help us. And Warren Buffett, one of the greatest investors, recommends Vanguard Funds. Use a less biased advisor without an incentive to steal.

Make Buffett be your advisor: https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

 

We don’t have to pay off the $1 Trillion in taxes that the wealthy owe

The actual annual tax gap possibly exceeds $1 trillion per year, IRS Commissioner Charles Rettig told senators Tuesday. You and I know why the Congress does not do anything about it. Congress receives funds from the wealthy that let them hide their money from the rules that we must follow. We can’t afford to hire lawyers and accountants to set up offshore and intricate legal entities to obscure income. Remember how President Trump boasted that he doesn’t pay taxes because he is ‘smart’. Actually his staff is paid to hide his income. Since we only have one year available to see how he does it, we know one method—use the paper losses of a business to write off personal income. In the 1995 return he claims a loss of almost $1 billion: we taxpayers owed him a refund for many future years of his personal income. For the wealthy, even the ones that don’t hide income, the rules allow them to pay about HALF the rate we pay. Warren Buffett explains that he pays only 17.7%; HALF the 33% his staff pays. We have two ways to avoid paying for the national debt that the rich have run up. ONE: we start by using a business to cover some expenses and let the loss offset our income. TWO: we produce income inside a tax-FREE account. We produce tax-FREE income legally.

Start today: https://www.amazon.com/Tax-Free-Living-2012-strategies-build/dp/1477452702/

 

Is there a correct number of stocks to own?

Sure! Just one if you were Apple’s Steve Jobs or Microsoft’s Bill Gates or Amazon’s Jeff Bezos.

But most of us including Warren Buffett can’t know which stock will be the top grossing stocks of all time. So here is the answer as explained by Mr Buffett and his partner Mr Munger:

We like to put a lot of money in things that we feel strongly about. And that gets back to the diversification question. You know, we think diversification is - as practiced generally - makes very little sense for anyone that knows what they're doing. Diversification is a protection against ignorance. For most of us who know we do not know how to analyze businesses, we buy everything—an index of the top 500 stocks. If you know how to analyze businesses and value businesses, it's crazy to own 50 stocks or 40 stocks or 30 stocks, probably, because there aren't that many wonderful businesses that are understandable to a single human being, in all likelihood.

Charlie Munger said: The first rule of compounding: Never interrupt it unnecessarily.

If an initially very concentrated portfolio is likely to turn into an unbearably concentrated portfolio after a few years, then it's not really built with the long term in mind. So if you are clear on what you DO NOT KNOW, compound the index for 11%.

Buffett strategy: https://www.amazon.com/MasterClass-Buffetts-SIMPLE-Strategy/dp/1983485268

 

Which market sector will provide the best returns in the future?

Since we can’t know what is ahead and we can’t assume the future is determined by the past, which sector are you betting on? ETFs have become the broker/advisor security of choice so that they can trade every day. However, most serious investors know that fast trading prevents you from enjoying multiple-year compounding and dividends. So which one do you favor for the future? Energy is the current leader but can it return 30% in the next few years. Or will it fall out of favor like consumer staples? Unless you know your business sector well or have Mr Buffett’s talent for analyzing large companies, you may be better off skipping your broker/advisor’s recommendations and just holding a low-cost index of large or small, growth or value stocks. Actually the most popular choice is the large company stock index. John Bogle, founder of Vanguard Group, created the simple 500 index fund because his research showed it was better for us to avoid trading by expensive stock pickers. Investing does not have to be complicated.

Simple wins: https://www.amazon.com/Buffett-Bogle-Holy-Bible-Investment/dp/1523693045

 

How to “guarantee” a tax-FREE retirement income

Put your investing on automatic. Use Buffett's Investment Strategy: Set it and Forget it "… our favorite holding period is FOREVER.” Manage the account only once a year! Contribute $9 a day, $250 a month. Accumulate $55,000, $200,000, $1,000,000 over time. Use a special IRS account for Tax-FREE income. Use only low-cost high-return mutual funds. Warren Buffett's Investing Strategy is buy and hold FOREVER high earning companies. This allows compounding to work. Compounding is money earning money on its earnings when it is invested. Invest your money in businesses sharing profits with you and over time you can reach $1,000,000. A special account makes it tax-FREE. Tax-FREE is like a $300,000 bonus. When we invest in successful businesses, we can earn 10% to 12% a year. After 10 years, we can have $55,000 because the businesses paid dividends and we reinvested them. After 20 years, we could have $200,000 and after 33 years, perhaps $1,000,000. Over time, stocks are safer than bank CDs because we earn more than inflation subtracts. We have more buying power. Compounding works best when we put our money to work in successful businesses paying us dividends and stock splits. When we use a low-cost AND tax-FREE account, we avoid fees and taxes so we keep more of our money to compound. See how fast our investment can grow if we invest it in businesses like the ones we use every day.

https://www.amazon.com/Warren-Buffetts-Investment-Strategy-Forget/dp/1484822900

 

Where is that refund?

The Internal Revenue Service today reminds taxpayers that the most convenient way to check on a tax refund is by using the “Where’s My Refund?” tool at IRS.gov or through the IRS2Go Mobile App.

Where is the stimulus 1 or 2? If you did not receive stimulus 1 or 2, start filing here: https://www.irs.gov/newsroom/recovery-rebate-credit.

Estimated tax payments are still due April 15. If you are self-employed or do not have enough withheld from a paycheck, pension or Social Security, you may have to send quarterly payments to the IRS. Tax returns for 2020 are due May 17 not April 15 but the estimated tax payments are still on schedule.

IRS will redo your taxes and send refund if you paid tax on Unemployment 2020 or you paid ObamaCare’s excess advance premium tax credit repayment. 

 

Have tax forms; will file … for FREE but WAIT . . .

If you have unemployment income, ObamaCare coverage you should wait to file since the IRS has not yet implemented tax-FREE provisions of the new Covid law. If you already filed and paid tax on your unemployment income, IRS says it will send you a refund of the tax automatically. DO NOT FILE an amended return to obtain a refund on this tax. Taxes due MAY 17 not April 15. Input the W-2, unemployment, SS benefits, IRAs, pensions, RMD, brokerage, etc. forms you have. You can file for FREE online. If you didn’t receive a correct form, file a Form 4852.  Usually filing your state return costs as little as $15 unless you buy the Pro helpline. Avoid $300-400 paid preparer fees—new IRS forms mean higher fees. Unemployment insurance is TAXABLE on the Federal income tax return; not on some state returns. Some states do not tax your SS and pension benefits.

 

Retirees did not have to take their RMDs in 2020 so taxes may be less: it was a good time to convert IRA to Roth IRA for tax-FREE future. Unless you were self-employed, you can’t deduct home office expenses of working from home. You can deduct as medical expense all Covid prevention supplies. Some states continue the health insurance mandate and penalty unless you have an exemption. Since the IRA contribution deduction has no age limit now, you may reduce your income/taxes by making a contribution of up to $7,000. The standard deduction went up to $12,400 single; $24,800 joint. Jan 15 last day to make 2020 estimated payments. You have to report your April/May and December/January stimulus payments even though they are not taxable. Some of us receive a bank credit; some a debit card; some a check. Even if you don’t have to file, you should file so scammers can’t use your SS number to mess up your IRS file. Tested E file software ratings. Efile Jan 15; IRS processing Feb 12.

E file avoids covid at your preparers’ office: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free

 

What to do if you can’t pay by May 17?

Avoid the penalty for not paying estimated tax. Ask for an automatic extension to file till October. If that does not work for you, you can apply for a payment plan. An individual can setup an IRS installment plan if you owe $50,000 or less and can pay back the amount owed in 3 years. If you are a business owner, you can setup an installment plan if you owe $25,000 or less. The IRS will charge a one-time fee of $105.

If you own less than $25,000 and can pay the amount owed within six years, ask the IRS for a streamlined payment agreement. The IRS will charge a one-time fee of $102.

Request an Offer in Compromise if you cannot pay the total amount owed. This allows you to settle your tax debt for less than the total amount owed if you will be unable to pay back the total amount owed within 10 years. The IRS will charge a one-time fee of $150. Given the pandemic economic hardship, apply for the extension to file now: https://www.irs.gov/pub/irs-pdf/f4868.pdf

Special circumstances help: call the IRS Taxpayer Advocate Service 1-877-777-4778 for free assistance.

More ways: https://www.irs.gov/newsroom/heres-how-people-can-pay-their-federal-taxes

 

IRS has $1.3 billion refunds for 2017 tax returns

Unclaimed income tax refunds worth more than $1.3 billion await an estimated 1.3 million taxpayers who did not file a 2017 return, according to the IRS. “Time is quickly running out for these taxpayers. There’s only a three-year window to claim these refunds, and the window closes on May 17.” If they do not file a tax return within three years, the money becomes the property of the U.S. Treasury. Filing instructions are available on the IRS.gov Forms and Publications page or 800-829-3676.

You have 45 days to collect your cash!

 

 

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

 

 

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

 

Swing state GOP laws limit Dem voting: “only way to win”

 

Will the ‘militia’ (terrorists) try another coup?

 

1/6/21 Coup: “quick reaction force” with weapons ready

 

Trump delayed helping: Capitol Police died

 

 

Where ‘Truth and Reconciliation Commission’? 

 

 

How Govt wastes our money:

MS, AR, TN, AL, GA have unused vaccine slots: GOP deny Covid danger

40% Marines afraid of vaccine shot: Pentagon costs of health care to rise so we pay more

FedEx made $1.2 BILLION in profits last year but paid NOTHING in federal taxes

 

IRS fails to collect $1 Trillion in taxes from wealthy tax avoiders: we must pay

Can we really leave and stop wasting taxes in Afghanistan? Still paying for 5000 bases!

Biden seizes owner’s land on Rio Grand to continue Trump’s Wall? Promise to stop!

 

SCAMS/SPINS:

Christian nationalists raise $ millions for domestic terrorists: GiveSendGo pays killers

Unvaccinated people much more likely than the vaccinated to say it's safe for them to travel?

MN police say they don’t know the difference between their guns and their tasers: taser on left?

 

Trump hides taxes: used Prez excuse when Prez; now uses not Prez excuse when not Prez

 

Head of FBI’s field office in Albany promoted after sexual assaults on 8 women: no jail

Anthony Wayne March NC caught Ponzi fraud promised tax-deductible annuity 11 yrs

Tiger Woods caught speeding according to his car computer but no violation: spec treat?

$2.75/dox eggs just as nutritious as organic/’free range’ $7.49 eggs Marketplace 

 

AAA cramming donations into roadside service bills: use credit card customer service

Amazon scam: fake promise of refund takes hold of your computer for bank access

Phony IRS email to take your personal information to claim your “tax refund.”

SettleIt caught steering us into high-cost loans offered by affiliated lenders: fine no jail

 

Costco fake offers hit on all levels: BEWARE ‘free’

Twisted fake views feed propaganda of haters: they wouldn’t print it if it were false

Bitcoin can be spent at nightclub: now you have a place to dump your non-money money

 

6 GOP and Asian hate crimes bill: Cotton, Hawley, Cruz, Marshall, Paul, Tuberville.

 

IRS: Easy Steps to Protect Your Computer and Phone and Avoid Phishing Emails.

IRS: Free special ID protection PIN goes on your return so scammers can’t take refund

IRS: Previous tax returns available online: https://www.irs.gov/individuals/get-transcript

IRS tips to avoid scams: https://www.irs.gov/newsroom/tax-scams-consumer-alerts

 

Is it a scam?  Check AARP scamline 877.908.3360. BBB Scam tracker

 

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

Find tax preparer: https://www.irs.gov/tax-professionals/choosing-a-tax-professional

 

Check Social Security: https://blog.ssa.gov/

Safeguard data: ConsumerReports help: https://securityplanner.consumerreports.org/

 

Jobs

Amazon keeps union out and wages//benefits low

Most marines decline vaccine for Covid: 40% wait and see if vaccine needed

Your employer may have been paid to keep you at work: show them and take your pay

 

25 high pay jobs to reach for the future: plus machines can’t replace skilled trades!

 

Who owns your account now?

You will pay significantly more to insure homes in coastal areas and flood zones

laid-off workers can keep their employer-sponsored health insurance thru Sept FREE.

Your children may obtain FREE coverage too.

 

Funeral bill covered if Covid related death: 1 less thing to worry about

Now your personal ancestry data is owned by brokers at Blackstone

 

Miracles:

Sea levels could rise as much as 60 feet from melting ice sheets: move Miami?

herpes virus modified defeats child brain cancer cells: new hope for rare cancer.

Biden ends Trump’s racist housing rules: fair housing is a right for non whites too

 

Biden to end longest US war: 2,400 dead; 20,000 maimed plus 2,977 9/11 dead

Or is the US just going undercover: advisers, black ops, Osama strike force?

Troops to Ukraine next?  500 more German staging area: over 35,000 ready.

 

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

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

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

 

 

IAN

41 Watchung Plaza, B242

Montclair, NJ   07042

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

 

 

Just one way to avoid paying the corporate and wealthy tax cuts

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

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

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

“Do I still need my life insurance”?

Recently, a 50 year old friend asked if he needed to continue his and his wife coverage. Right now there is a sale on term life insurance for any age—at age 50, you can buy $½ million for about $1 a day. Term life is for set period for set amount with no savings portion. It is pure death insurance for those you want to protect. My friend was given term insurance as part of his work benefits but his wife was doing free lance. At this stage of their retirement accounts, they were more than covered by their savings/investments so that if something happened tomorrow each would NOT NEED life insurance. Pure life insurance is to protect your loved ones BEFORE you have the assets to live on. If you need coverage because you don’t have $½ million to live one for the rest of your life, avoid any policy with savings portion. There are less expensive alternatives for a ‘cash value’ account. He decided to drop the policies. Term gets expensive after age 50 so if you need it, buy a 10-year term by age 50 from a discount carrier.

Get discount term: https://www.amazon.com/Life-Insurance-Need-It-Save-right-one/dp/1480002178

Why does Trump’s wealthy class want to get rid of the estate tax?

You and I are not going to pay this tax since it starts at about $11 million. Most wealthy farmers have figured out how to pay the tax if they are soil rich and cash poor. The reason we have this tax is so America doesn’t end up like the aristocrats in medieval Europe. Can you see Ivanka, Jr and Eric with even more wealth? Why is the GOP giving 5,500 wealthy people’s heirs a huge tax break? Are these 5,500 the big GOP donors? Yes, like Trump’s kids, they are already wealthy and don’t need the money. Trump saves his own estate $564 million in tax—enough to cover his FL and NJ golf trips for 4 years if he had to pay for them instead of us. We need the money worse than they do.

Avoid taxes like the Trump mob: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

Is your advisor’s ‘model portfolio’ right for you?

With the proliferation of ‘model portfolio’ platforms, investment management is increasingly automated, ubiquitous, and not at all your financial advisor’s job. At least 74 percent of advisors use models: either models created in-house by the advisor themselves or by an in-house investment team, or outsourced to asset managers and strategists, according to Cerulli Associates. So your ‘personal’ specially-designed ‘choice’ of securities could be a robo-advisor churned out by a third party you don’t even know about. And for this, you are paying an extra fee. Over time, very few advisors, human or electronic can outperform the index simply because of costs. But you pay the fees for quick answers, timely contacts, and good advice. You understand that no portfolio can beat the index most of the time. But wait, most investors don’t need a full-service broker or advisor. They need someone to affirm their decisions or answer questions quickly. For instance, Vanguard Personal Advisor Services costs only 0.30% of your assets—about a third of the industry's cost of 0.99%--you keep more and get only what you need.

Now there is a better way: https://www.amazon.com/Best-Robo-Advisor-Ultimate-Automatic-Management/dp/1537111957

GOP repealed NONE of the 1,833 business subsidies but 32 of our deductions

Subsidies and loopholes and foreign cash reserves we still pay for in the new tax code were NOT repealed. 1,833 large companies have received federal grants and/or tax credits worth $17.8 Trillion. Are these the same firms that pay for our 534 Congress’s elections and kids’ college educations? 268 are already millionaires. Why is the GOP giving 5,500 wealthy people’s heirs a huge tax break? Are these 5,500 the big GOP donors? Yes, like Trump’s kids, they are already wealthy and don’t need the money. Trump saves his own estate $564 million in tax—enough to cover his FL and NJ golf trips for 4 years we now pay for. We need the money worse than they do. Each missile Trump fired on Syria’s airport to scare them costs us $1 million. The extra cost of just 3 new destroyers is $450 million. Total is $12 Billion and counting since they are still trying to make them work. Instead of giving our money to firms and people that are already making money, we could pay down the debt, which used to worry GOP.

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

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

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

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

Best first car for reliable transport

When your teen needs a car to get around, what are the best choices? Where do they look? How much should they spend? $5000 can put them in a safe Honda Civic or Toyota Celica. $6000 can buy a truck like the Toyota Tacoma. Quality and later models cost a little more but may be worth it. We can still find a baby Lexus IS300. Chevy Equinox leads the list of SUV capacity carriers. Teens pay less using your insurance. Shop to avoid high premiums: https://www.amazon.com/Vehicle-Insurance-Beware-Double-Coverage/dp/1480027634

Wealthy have already got a way to beat the new tax law

Changes in the tax code will RAISE taxes for some middle-income families. Property tax and mortgage interest are no longer deductible, thus increasing their taxable income. However, as always the wealthy remain wealthy by avoiding taxes. They have found a “workaround for a tax-plan provision under consideration in Congress that would take away the mortgage-interest deduction.” They will turn their extra property into an investment property so that the expenses are deductible. The high property tax and interest will offset any income so they will pay no more in income taxes.

Socialism for the Rich: https://www.amazon.com/Americas-Socialism-Rich-little-people/dp/1535218584

Where is the best place for your retirement money now?

If the tax cut bill does not pass this year, the market may drop. Where should your money be now so that you weather the fall and bounce back—gold, cash? Based on the experience of the decline in 2007-8, withdrawing retirement money from the market gave you a permanent loss. If you went to gold, you were up 47% but if you had left money in the market from 2007 to 2016 your money has doubled, earning 8.76% per annum. If you were out, you missed 27% and 32% jumps. That is the trouble with taking advice from ‘professionals’, they don’t know. Let it ride.

Let your money do the work: https://www.amazon.com/Go-Tax-FREE-Investing-Income-Forever/dp/1482633280

GOP favor insurers going back to “junk” insurance for us. Congress could negotiate lower drug and hospital costs but lobbyists won’t let them. Instead they fear losing their donors. Funny, they get to keep their full quality coverage. It’s ObamaCare.  

Avoid junk using a better plan: https://www.healthcare.gov/

Self-dealing is OK with GOP

Trump's repeal of the Alternative Minimum Tax is the best part of his ‘reform’ because it once cost the president $31 million.  It accounted for most of the $38.5 million in taxes Trump paid that year. With the estate tax repealed, Trump's estate saves $564 million based on an estimated net worth of $3 billion. No wonder Ivanka is stumping for it. Billionaires don’t pay the top bracket of 39.6%. Billionaires like Trump who DO NOT live on their dividends and capital gains taxed @15% (avoiding Income tax) can use the new Trump business ‘pass-thru’ tax of 25%. Since Nixon’s Alternative Minimum Tax is to be repealed, this will be the tax of choice for many high income executives. Nixon, an old republican, thought that the rich should NOT avoid all taxes with deductions and tax credits. Wall-Street class’s will get a WindFall and NOT pay the 39.6% rate. Most of Trump’s class used to have to pay something because of the alt minimum tax. The AMT was one of few ways Trump had to pay $31 million in taxes one year. Many corporations don’t pay tax at all but they will continue to pay for our ‘reps’ to hide subsidies and loopholes that were NOT eliminated. Only 1 subsidy was repealed—small oil and gas wells. All the rest of the thousands of corporate ‘welfare’ payments or tax credits will be paid as usual. A Spanish firm got $2 billion of the $17.8 Trillion total. And guess who has money in the 1,833 ‘welfare’ recipients? Right, Congress’s donors.

Get additional tax credits: https://www.amazon.com/Tax-Credit-Class-your-credits-ZERO/dp/1539462382

Trump and GOP are promising higher wages from corporate tax cut

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

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

What made Fidelity investment accounts successful?

Fidelity found that account holders that did NOT 'manage' their accounts or died were the most successful. Think about that! You can earn more in your investment account by NOT touching your money. When you let someone 'manage' your money they tend to waste it and then charge you a fee to boot. It Just Takes Time shows us why ‘buy and hold’ stock funds win. Warren Buffett's teacher, Benjamin Graham, once said: “Buy stocks like you buy groceries not perfume.” Don't buy the stocks that the Wall Street media or your advisor tells you to buy. Buy those that are the most profitable firms worldwide. Just buy low-cost stock market index funds and keep buying. You don’t have to pick the right stock. And you don’t have to do a thing to get rich: It Just Takes Time.

Try Buffett’s strategy: https://www.amazon.com/Just-Takes-Time-money-old-fashioned-ebook/dp/B07751F8N2

Ebook or paperback: https://www.amazon.com/Just-Takes-Time-money-old-fashioned/dp/1979380945

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

TrumpWorld

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

Trump’s RNC is paying for the legal costs—why?  Manafort has $18 mil from USSR

Trump Jr, Jared and Flynn next for indictments?: 'If We Come to Power' deal

The Don is now blaming Jared, real estate agent, for bad advice about FBI. Under bus?

Trump campaign aide pleads guilty to lying to the FBI about Russia contacts

Trump campaign execs met with Russians 30 times and denied any contact.

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

Trump to Fox News' Laura Ingraham: 'I'm the only one that matters'

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

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

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

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

Jared deal with Evraz’s owner links to Russia steel pipe in KeystoneXL/Cheniere

Jared’s real estate investor Milner: front man for Putin bank funded Facebook Twitter

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

Undisclosed $26 million loan from Russian to Trump campaign manager Paul Manafort.

Mob doesn’t call the FBI when Jr doing an illegal deal with fellow mobsters. Receiving stuff from ‘foreign power’ during campaign is illegal—even for idiots and morons.

Trump campaign asked Wiki to get Hillary emails from Putin hackers: smoking gun?

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

Putin using Twitter now with fake followers for Trump mob—how great impact?

Trumpers colluded with Russia by pushing their propaganda as if it was own tweet.

Putin hired activists to stage demonstrations and promote divisive content. 

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

Trump Calls on the FBI to ‘Go After’ His Enemies (for Things That Aren’t Crimes)

“No Russia connection” but Jared and Ross in with Russian mob laundering biz

Jared uses Russian money for projects and Russian cutout buys Facebook Twitter stock

ObamaCare ‘collapsing’ but 600,000 more signed up in four days 2017: Mandate works!

Russia agent met with so many Trumpers the list is so long to name them all.

Trump on tax: “The deal is so bad for rich people, I had to throw in the estate tax just to give them something.” But 80% of cuts go 1% and estate tax repeal only helps 5,500.

Wealthy do not create growth or wage hikes; money is sent to tax shelters/foreign corps.

Trump mob are all connected to Russia with money using different links.

Despite Trump and Gov Scott denials, Miami is building against global warming.

My Theory on Trump/Putin ‘love’:

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

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

Trump uses taxpayer lawyers to protect his personal profits from foreign countries

Tax reform saves the president $31 million.  It accounted for most of the $38.5 million in taxes Trump paid that year. With the estate tax repealed, Trump's estate saves $564 million based on an estimated net worth of $3 billion, as Bloomberg reported last year.

Trump hires only foreign workers  to save expenses despite “hire American” lecture

GOP gives Trump’s golf business special loophole for $600 million over a decade.

Dictator talk time:

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

Trump ‘believes’ Putin re: manipulation of election; not believe our CIA, FBI, NSA

Trump wants the FBI Justice Dept to be his personal police and prosecutor for enemies

Trump to Fox News' Laura Ingraham: 'I'm the only one that matters'

GOP lost moral way: 50 religionists say Moore is “defender of the sanctity of marriage.”

“The reason our stock market is so successful is because of me,” Trump claims.

The Don is moving us to a dictatorship where the only people who go to jail are his enemies and non whites he does not like. Racists and nationalists get pardons. If Flynn Page and Manafort get indicted by Mueller, The Don will just give them a “get out of jail free” card so they don’t rat him out. He is also paying their lawyers to keep quiet.

Energized voices demand leader who can make America applaud white men like 1950s

Avoid the Russian/Trump propaganda—quit Fox, Facebook and Twitter now

Trump has transformed opinion into fact and fact into enemy propaganda. Scam War

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

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

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

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

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

Quid pro quo: "something for something."

GOP accepts child molester “not generally” into senate to pass something; anything now

50 religionists claim Moore is “defender of the sanctity of marriage” and religious liberty.

Sex with teen girls is accepted practice in AL: Moore known as Mall predator in county.

Trump puts tax-dodging attorney at IRS to give election donors a break on audits.

First job: build a safe in vault to hold Trump’s tax returns; cost $15,000

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

Why should a 14 year old be shooting defenseless animals? Useful in her life? Fun?

“NO reason for civilians to own AR” automatic rifle to kill 26 people in seconds. 

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

Most Americans want Obama back now.  He did things we needed done.

We have given The Don time to act like president: Time to Impeach for obstructing FBI investigation of our enemy disrupting our election process.

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

Even the Bush presidents do NOT vote Trump’s GOP. TX angry about Trump.

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

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

Trump OKd Keystone pipeline and it already leaked into the water supply.

Trump gets to turn our Top consumer protection into scam enablers.

Navnoor Kang caught taking bribes to steer NY pension money to gifting brokers.

Christie did the same but never got caught since he was just ‘paying back’ his donors.

Tax dodgers need never worry: Trump gives IRS to Tax-Dodging Expert

Importing trophies from elephant hunts in Africa are now OK; killings continue.

AL won’t investigate pedophile Moore since he is their Senator of choice

Hank Mark Werner, NY caught plundering elderly and blind with annuity and trading.

Your air bag recalled: another round of bad bags from TaKata

Jay Costa Kelter, GA, caught stealing from clients by misrepresenting investments

Trump has suspended our right to bring class action lawsuits against our advisors/banks.

Tillerson Exxon calls Trump a ‘f__king moron” ‘MORON’ and LIAR:

Trump says he believes Putin did NOT help him win 2016: Proving ‘moron’ again!

Fox Smith gives facts on Clinton Uranium and gets hate mail: Trump repeats lies.

How Govt wastes our money:

Trump puts tax-dodging attorney at IRS to let friends and family avoid taxes

GOP gives rich tax break but ends subsidy so we can’t get health care: HealthCare.gov

We paid $15 million to settle 260 cases of sexual harassment by Congress in 20 years.

SCAMS:

“God only knows what it's doing to our children's brains,” Sean Parker, Facebook prez.

PYRAMID SCHEME LAWSUIT AGAINST JEUNESSE SEEKS $1 BILLION

Jobs:

$20 hr call center agent: answer calls to AAA, Home Depot from home

Who owns your account now?

No penalty CD paying 1.55% at online only bank https://bankoncit.com/no-penalty-cd-17

Miracle:

Women intimidated years ago have courage to come out now and take abuse all over again from their community, state.

IAN

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Montclair, NJ 07042

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