Where is the market going?

 

Why unionization at Amazon, Starbucks, etc scares the owners

As union membership declines, income inequality increases. It is clear that since the 1970s, people who work for a living are losing their productivity to the owners. First, it took two wage earners to live the middle class life. Then the owners bought machines to take jobs. Third, the owners sent well-paying jobs to regions/countries where labor costs were lower. Now we can’t buy a new car because the high-tech parts are not made in the US. The managers of large businesses now require over 300 times the average worker’s salary. One study found top executives, on average, received $13.1 million in total compensation, while the average employee earned $37,632. That’s a ratio of 347 to 1. The share of adults who live in middle-class households fell from 61% in 1971 to 50% in 2021. The widening of the income gap and the shrinking of the middle class has led to a steady decrease in the share of U.S. aggregate income held by middle-class households. In 1970, adults in middle-income households accounted for 62% of aggregate income, a share that fell to 42% in 2020. Instead of earning enough to buy a home, some workers have to add additional jobs to make it in the middle class. America is becoming a banana republic—elites own 90% of everything. Meanwhile, ‘only the little people pay taxes.’ The rich have found ways to avoid their fair share. The IRS has no way to catch them. Even Congress and top officials evade taxes using ‘illegal’ (for us) methods.

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

 

Ranks Of Rich Americans Exploded During The 2010s

As they moved to tonier digs, they drove the middle class out of their path. They moved everywhere in the U.S., pricing up everything. The rich were buying up condos in Palm Beach and Miami, ranches in Texas and Wyoming, and houses in Hawaii. Wait staff in the Berkshires can’t afford to live there anymore. Even working class towns in rural New York State are suffering from new landlords. In 2020, tax filers making $200,000 or more in adjusted gross income comprised of almost 6% of all filers, up from 3% in 2010 and 2.14% in 2000. House prices will not likely fall back to pre-Covid prices. The explosion of the rich did not translate into benefits to society equally. The IRS can’t audit the wealthy anymore. How do the wealthy hide their money? Well, it turns out they don’t have to go to the international tax havens anymore. The wealthy hide their money in Wyoming. One lawyers realized that a trust can be established for a very specific beneficiary: the grantor himself. By claiming he no longer owns the assets—in a way, they belong to the trust—he is able to avoid wealth-transfer taxes such as the estate tax, and dodge creditors, too. The intention is to put the grantor’s assets in an “ownership limbo,” which obfuscates his legal responsibilities. Most lawyers claim this is a form of fraud. So this lawyer convinced Alaska it was a profit center for it. Alaska thus became the first state to authorize domestic asset protection trusts (DAPTs). Eighteen other states are now American tax havens. The Pandora Papers displayed the users. The Institute for Policy Studies report, “Billionaire Enabler States: How U.S. States Captured by the Trust Industry Help the World’s Wealthy Hide Their Fortunes,” provides the details. Is it likely that the millionaire Congress people will cut their throats to rein in this trend? You have one choice if you are not wealthy.

https://www.amazon.com/New-American-Retirement-System-ReserveTM/dp/1461030072

 

 

Is a Social Security “bridge” right for you?

The Covid pandemic saw an increase in the number of folks taking Social Security benefits early—age 62 is the earliest for most. But a person with a Full Retirement Age of 66 who claims at age 62 will receive a reduced benefit for the rest of their life—25% lower. Claiming at age 66 is worth 33% more in monthly income than a claim at 62, and a claim at age 70 is worth 76% more. That means a later claimant might receive over $1 million in their lifetime. However, some people can’t wait. For those who want the higher benefit but can’t work, the alternative is finding a “bridge” using other funds. Let’s say you have savings in a 401k or other tax deferred vehicle. You could activate those retirement funds early, pay the tax and still be able to meet your needs until age 68, 69, or 70. Plus, you don’t forgo the valuable annual cost-of-living adjustments (COLA) built into Social Security. The COLAs are applied to your benefit amount even if they have not yet claimed, beginning in the year that they become eligible to claim. Some advisors push a retirement annuity to bridge the gap. However, dollar for dollar, “buying” additional Social Security income through delayed claiming beats the return of commercial annuities by a substantial margin. Build a better BRIDGE.

https://www.amazon.com/Maximize-Social-Security-Benefits-Retirement/dp/1495439224

 

 

How to set up regular retirement income

Many people facing retirement want a steady monthly income that covers their basic living needs when their paycheck stops. Some employers are now pushing an annuity purchase with retirement funds (401k, 403b, etc). If you have an advisor, they may favor this alternative as well since there are high commissions involved. There are several difficulties to the annuity alternative. The annuity benefits may not keep up with inflation. A $500 a month benefit will buy about HALF the goods in 25 years. An annuity can be cancelled but you may have to surrender up to 10% of your money. Annuities are backed by the insurer you pick and they can fail. Insurers usually keep your money if you die earlier than their benefits are guaranteed. An alternative is to set up regular fixed amounts withdrawn from your funds rolled out of your employer plan to a mutual fund or broker. Because your plan funds were tax-advantaged, you usually put them in another shield called a rollover IRA trust. To maintain the growth of your funds, a balanced (stock/bond) mutual fund is preferred. Your trustee will sell shares for you and credit your checking account monthly if you prefer. Because your money was tax-deferred, the IRS has rules for timely withdrawal so the benefits are now taxed. Usually there are very few charges to accomplish your regular retirement income this way. Plus your trustee makes sure your tax situation is handled correctly. Of course you can always access your funds—no surrender charge. Over most investment years, your money will grow so your annual withdrawals can beat inflation. When you die, your named beneficiary receives the rest of your account without waiting for probate of your will.

https://www.amazon.com/Not-Buy-That-Annuity-Guaranteed/dp/1466494573

 

Where is the market going?

You can probably guess that no one knows. However, super investor Warren Buffett says don’t bet against the American economy. Sure, the market goes up and down but over most periods it rises an average of 10-12% unless you are using an advisor or broker. According to score keeper Dalbar, you would have been better off in an stock index. Here is the long-term Dow adjusted for inflation: https://www.chartoftheday.com/dow-jones-chart-since-1900-inflation-adjusted. Most recently, the S&P 500 has dived 25% after rising 31%, 18%, and 28% since 2019. Over 5 years, the index is up 8% per year. If you knew this was going to happen in advance would you have moved your money from stocks to CDs paying 1-2%? Would you have moved your funds into bonds? Some may have but your long-term accumulations would be nowhere. Buffett must know something. His average is 20% annual gain (page 2). Stocks are safer over time than any other asset class—especially a well-diversified portfolio like a low-cost total stock index. If your long-term goals have not changed, no change is necessary.

Use Buffett’s strategy: https://www.amazon.com/Warren-Buffetts-Investment-Strategy-Forget/dp/1484822900

 

Ask your advisor about annuity complications

Annuities are complicated. Advisors are trained in securities. Most annuities are insurance-based. You are buying a 60+ page insurance company contract that most lawyers have trouble understanding. If the annuitant dies before contract maturity or annuitization, what happens? What if you use an annuity to pay alimony? What are tax events for gift of maturing annuity? Is there a tax when a spouse waves a survivor annuity? Is there gift tax when third-party given survivor benefits? Tax on gift to irrevocable beneficiary? Is there withholding on gain in annuity? Payments are taxed based on 3 “elements.” Which parts of annuity are taxed charitable gift annuity? Tax event for obligor in charitable annuity? Tax on annuity benefits for a corporation?

https://www.amazon.com/Best-Annuity-Strategy-Income-Growth/dp/1497532019

 

Is your 401(k) statement of “lifetime income illustration” accurate?

The SECURE Act requires 401(k) statements to show you a figure called the lifetime income illustration. It’s based on turning your accumulated balance into an annuity — an insurance product that pays out a series of regular payments — and the monthly income you’d get from that annuity. Congress got paid well by the insurers to insert this in legislation. Problems: extra costs and surrender charges reduce your nest egg. What if your situation changes? If inflation rates change, your monthly income may not cover your needs. What if the illustration is wrong? If the insurer fails? What if you die early and your nest egg goes to the insurer, not to your family? How will you pay the taxes your deferred in your 401k earlier?

Consider: https://www.amazon.com/Retirement-Income-Annuity-Guaranteed-Life/dp/1497337313/

 

Will you have enough?

Many of us have inflated retirement income expectations, setting ourselves up for disappointment in the case of forced early retirement. Overall, 70% of workers expect that they will not only have adequate income for basic expenses during retirement, but will also have discretionary income for travel and leisure activities. According to a survey by the IRI, it is highly unlikely that more than half of workers will be able to subsist on Social Security, particularly if they retire before full retirement age, as so many plan to do. Survey participants may also be unrealistic in their contingency plans if they exhaust savings. Many workers believe they can downsize and get by on Social Security if they exhaust their savings early during retirement. A third think they can return to work if they run out of money during retirement, despite the fact that many people in those straits may not possess either the marketable skills or good health necessary to return to work.

https://www.amazon.com/What-your-RMD-much-spend/dp/1718946716

 

Is Investing With ‘Factor Analysis’ Right for You?

Factor investing is a strategy that chooses securities on attributes that are associated with higher returns. There are two main types of factors that have driven returns of stocks, bonds, and other factors: macroeconomic factors and style factors. The former captures broad risks across asset classes while the latter aims to explain returns and risks within asset classes. The subscription offer: By following an actively managed rules-driven approach, factor investing allows you to leverage statistical observations and risk/return metrics to objectively judge the odds of your portfolio outperforming the general market. Since we all want higher returns, what seems clear is that someone is picking stocks that you pay to learn about. You pay for a stock picker to guess which way the market will go. I think this is great if it were true that we all could create wealth that way. Unfortunately, many have tried and few have done it. Some have picked well but only for a short time. This is not the strategy you should use for serious money. If you have the money to lose, give it a try. Otherwise, use Buffett’s recommendation.

https://www.amazon.com/Warren-Buffett-Your-Investment-Advisor/dp/1518690963/

 

 

 

?**********ACCOUNTABILITY**************?

 

 

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

 

 

The Path to Dictatorship: 2010-2030

 

Jan 21 2010 Corpor­a­tions’ election-spending unlim­ited

 

Nov 2020 Wealthy discredit election process

 

Nov 21 2020 Trump’s Plans for a Coup: criminal

 

Nov 21 2020: Trump plan: US Marshals seize voting machines

 

Jan 6 2021 Direct assault failed: guns & bombs ready

 

Trump engaged in a "criminal conspiracy" to stop Biden

 

“I don’t f—ing care that they have weapons”

 

Trump was “detached from reality”

 

Trump used mafia-style intimidation on the defenseless

 

Parscale: “a sitting president asking for civil war.”

 

Trump: “Just say the election was corrupt and leave the rest to me” 

 

GOP fascism: “RINO hunt armed; no bagging limit” J6 comm threat

 

Trump’s Supremes END personal rights & state laws except for weapons WMDs

 

Fascism: GOP to stop women leaving state for abortion

 

It’s not a court. It’s a junta: Two Americas

 

Trump: President Biden is 'enemy of the state'

 

 

Nov 8 2022 Trump’s “national revolution”

 

Jan 2025 Dictator pardons himself: his Supremes Agree

 

How Govt wastes our money:

More Americans moving into hurricane zones: higher premiums, taxes, owner losses

Supremes to cancel rights: voting, religious, LGBTQ, affirmative action, gerrymandered 

DeSantis, Gaetz own airline used transport immigrants from TX to MA: $12 mil fund.

 

Proud Boys member pleads guilty to seditious conspiracy

Seditious conspiracy: conspire to overthrow, put down, or to destroy by force US gov.

Oath Keepers Rhodes: "only regret" about that day group "should have brought rifles" 

 

Wealthy Congress fake farms get to delay taxes due to draught more taxpayers’ subsidies

national debt $31 trillion: $10.6 trillion Jan 2009: IRS can’t audit wealthy cheats Trump!

Institutions became addicted to free money and now the working class must be laid off

 

SCAMS/SPINS:

Trump asks judges he installed as Supremes to pervert justice in top secrets theft case

National Archives: still missing some Trump records: sold to N.Korea, Putin, China?

Secret Service doesn’t tell the truth either about a minor accident they have: who trust?

 

Biden fist bump Saudi MBS so he cuts oil flow so oil sellers & Putin make a killing again

Biden can cut arms sales to MBS so Saudis can’t kill more Yemenis

Biden quietly rescinded eligibility for student loan forgiveness: GOP OKs tax cuts

GOP CPAC, Musk and Tucker side with Russia on Ukraine invasion

Putin to reconstruct all the towns he destroyed now they are Russian towns?

Putin just killed 3 in apartment in his own [new] territory: landlord repair violation?

 

Choice Money Transfer caught excess fees, wrong rates, bad records, misleading

Jared Kushner caught excessive fees/rent units with serious problems: no fine

Kim Kardashian caught peddling crypto security EMAX: fine $1.26 Mil for $250K

Barclays caught Best Execution Failures: client trades cost more than might have

Keith Todd Ashley caught mail, bank, and wire fraud: indictment for client murder  

Hacker: BNB Chain Halts Drained Estimated $100M in Crypto: check yours

 

Congress caught making money from foreign dictators to run our government

Supremes to destroy Voting Rights Act: only white men landowners can vote 1919

 

Recall Old Europe Brie, Camembert cheeses: possible outbreak of listeria

“Best before” labels encourage us to throw away food that’s perfectly fine to eat.

Foods that may support dementia later in life: tasty sugary processed likeable stuff

 

AZ pharmacy decides 14 year old can’t have lifesaving drug: ‘might do abortions’

 

Are you being scammed by advisor? 7 ways you might be mislead

10 Ways advisors try to ‘impress’ you at social events

50 New ETFs Debuted September Alone: Brokers have trouble keeping up 50/month

Crazy: even new ETF to bet against a TV personality: one for alien visit?

 

 

10 PayPal Scams to Avoid: email order confirm; fake fraud alert; fake transfer

Sports betting made {too} simple everywhere [almost]

Scam alert: videos for fun not for real

 

DeSantis tricks not only migrants—taxpayers, religious, parents, voters, legislators, Feds,

 

Judge halts New York gun law: OK shoot up airports, houses of worship, Times Square

Death wish: 80 anti-vaccine bills have been introduced in state legislatures

Can we ever convince ‘smart’ people that Trump lost the election 2 years ago?

Another senator who voted to impeach Trump resigns early—four years left in Senate

 

Is it worth voting if Trumpists run next elections? US election farce like Putin’s?

 

Jobs

Disappearing jobs

Teachers: best and worst states for pay, benes, conditions, etc

Electricians to electrify everything to renewables: solar panels over parking lot sites

Amazon to hire 150,000 workers for holidays

 

 

Who owns your account now?

No coverage: “a dozen FL insurers went insolvent in the past two years”

FL homeowners may be under insured: estimates 60% are underinsured

Used car dealer: how to spot an Ian storm flood-damaged car

 

Annuity Great American Life Takes MassMutual Branding

What insurers pay for care may finally be revealed to the public: 1 aspirin costs $6

Carolinas Ian victims get tax relief; Oct. 17 deadline, other dates extended to Feb. 15

Your tax return filing extension runs out soon: who gets a break?

 

Miracles:

Done: Control over the growth of root systems could be revolutionary for agriculture

First: wind and solar met 10% of global electricity demand

California wells run dry as drought depletes groundwater: desert reclaims US West

 

Supertanker with sails cuts CO2 emissions

Chemists who can snap molecules together ‘like Lego’: Nobel Prize

Scientists found regularly drinking coffee or tea can provide a variety of health benefits

First fusion reactor will be open in UK by 2040: test for future clean energy

 

2 Russian reservists paddle to Alaska to avoid Putin’s war

@

Light is both a particle and a wave depending on how we look at the light.

I don’t think that there is any such thing as a position or a velocity of a particle.

Everything (galaxies to stones) in universe made of subatomic energy ‘vibrations’

A subatomic ‘particle’ is the smallest possible vibration (quantum) of a quantum field.

Mass–energy equivalence: E=mc^2.  At the smallest level; Everything is moving a little

Physics Nobel Prize: “entanglement” 2 particles share info but no way of communicating

 

There is no TIME at this level because of force fields come and go in all directions. 

Universe expanding: events may not come together like they did before.

Inside protons, neutrons, it is the fields of the virtual particles that creates its mass.

“Empty space is a boiling, bubbling brew of virtual particles that pop in and out of existence in a time scale so short that you can’t even measure them.” Space expanding.

The electricity we use comes from the field around the wire not from election itself.

 

 

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

973.746.2014

www.InsuranceAdvisorsNetwork.com

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

 

How to replace retirement funds now?

 

How to replace retirement funds now?

Survey says 35% of non-retired respondents had already dipped into their retirement funds and may do so again. No one wants to use future money now but we have to get money from somewhere. Most of us did not have $1,000 for emergencies. How do we regain our future money funds once we are able? To catch up, we must use a low-cost stock mutual fund since bank interest is too low. With savings rates as low as inflation, we need faster growing stocks. To minimize the risk of stocks we buy shares of 500 of the best companies in the world. We use a low-cost mutual fund so we don’t give any fees to the seller. We want our money to compound without current taxes so we use our employer’s tax-deferred (401k) account or an IRA account. The most successful savers take Warren Buffett’s advice and use the Vanguard 500 Index insider an IRA.

https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

 

Did you lose some of your money somewhere?

Everyone changes jobs these days. Sometimes a former employer goes out of business or gets bought. Sometimes an IRA savings account gets forgotten. Sometimes a life insurance policy with money in it gets misplaced. Readers have told me stories and I give them my list of places to look. Luckily, we have digital records you can search. You could pay a search firm to do the work but some are scams. If you have some time, finding money can be a fun project. For instance, after I left a securities firm, it went bankrupt. We employees had contributed to an Employee Stock Ownership Plan (ESOP). I forgot all about it and never received any notice about where my money went. I assumed senior management took it in the process. Then I was researching what happened to the firm and found the bankruptcy story online. I found out that the ESOP went to John Hancock and now I get a monthly bank credit for the rest of my life. Most lost money is scooped up by the state treasurer. Most pension plans are registered with the Feds. Consumer Reports provides guidance. I have been through many sites for my family: https://unclaimed.org/. My family has lived in 8 states. They have used closed federal savings banks: https://closedbanks.fdic.gov/funds/. They have used credit unions: https://www.ncua.gov/support-services/conservatorships-liquidations/unclaimed-deposits. They have had pensions: https://www.pbgc.gov/sites/default/files/finding-a-lost-pension.pdf and retirement funds: https://www.unclaimedretirementbenefits.com/. I wrote to the insurers directly since I knew my family had specific policies. If you moved waiting for a tax refund: https://sa.www4.irs.gov/irfof/lang/en/irfofgetstatus.jsp. Query your state tax dept: https://www20.state.nj.us/TYTR_TGI_INQ/jsp/prompt.jsp.

Found money is fun: https://www.amazon.com/I-dont-have-money-Financial-Emergencies/dp/1537636707

 

How much do you have to pay for student loan repayment plans?

There are three options for an approved income-driven repayment (IDR) plan: it allocates 10% to 15% of a borrower’s “discretionary income” for the monthly payments. You pay loans on a 20- or 25-year schedule and then the government will forgive any balance that’s left over at the end. You might end up paying more in interest over this timeframe. You must recertify each year to verify your family size and income—but income-driven repayment may be the best plan for you. The gov calculates the payments using a formula. TIP: contributing more to your work 401(k) lowers your adjusted gross income, and in turn lowers your payment on an income-driven repayment plan. However, at the end of 20 or 25 years, you may need to pay taxes on the remaining forgiven amount.

Plan ahead: https://www.amazon.com/Education-Funding-Save-right-plan/dp/1482549956

 

How much do we taxpayers subsidize Walmart, McDonalds low-wage structure?

A family cannot survive on $7.25 per hour—about $18,000 a year—the same wages earned in 1987. Since a family has to pay rent, utilities, insurance, transportation, clothes, etc, the total expenses average above $30,000 a year. Depending on the number of children in the household, our taxes subsidize the base family income through programs like food stamps $8,160, EIC $6,660, CTC $3,000. These are the totals possible for more than 2 children. Most workers earning minimum wage have children in the family. Many do not have spouse earnings. States and Congress have kept wages low in order to gain the election donations of large employers like Amazon, Walmart and McDonalds. In effect, the government is subsidizing America’s big business. Most people would call this Socialism. It is socialism in the way we taxpayers allow corporations to take larger profits. Their labor costs are reduced because we pay almost HALF their workers’ incomes using special relief programs. The rest of a worker’s survival income comes from working another job or a spouse’s income. Corporations pay little or no taxes so the burden falls on tax payers. Most corporations use foreign subsidiaries as a tax haven. Most of us can’t afford a tax haven. Our socialism: private profits; socialized costs.

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

 

Is a 2% wealth tax right for you?

Besides inheritance taxes, the only wealth tax currently in place is the property tax, which hits the middle class hardest. According to a 2017 analysis by economist Edward Wolff, this is because a primary residence represents the majority of a middle-class homeowner’s assets, whereas only about 7 percent of the wealth of 1 percenters is tied up in personal real estate. Senator Warren’s proposal calls for a 2 percent tax on fortunes exceeding $50 million. So if you have $100 million in assets, you’d be taxed on half of that, and your bill would be $1 million. Most of us are taxed on earned income so this tax might help pay for the massive tax breaks given by Congress recently. We pay sales taxes which hit the poor in the face. The rich don’t buy much at Walmart. The rich get richer because long-term investment gains are taxed at a much lower rate than wages, and only about half of Americans own any stocks, our progressive state and federal income taxes have been insufficient to curb the nation’s staggering—and growing—disparities in social and economic well-being. The wealthy will never miss the $1 million in tax because asset value compounding will double their $100 million to $200 million in about 7 years. $200 million less $1 million still leaves $199 million. They can easily get by. Plus the IRS will never find/appraise all the assets of the wealthy. They will just move the yacht in Nassau. Better: a securities transaction tax on high-income people. It can raise a lot of money from traders and corporations. These Biden changes are what keeps rich up at night.

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

 

 

 

Have tax forms; will file … for FREE

W-2, unemployment, SS benefits, IRAs, pensions, RMD, brokerage, etc. If you have all your forms, 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. 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

 

 

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

 

 

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

 

Dictator image worship: Bow down

 

Terrorists still called ‘militia’: militia is National Guard/Bunker Hill patriots

 

Terrorists plan to 'blow up our Capitol'

 

FBI: 1,400 Terrorist in Trump’s failed Coup

 

Trump’s Pentagon took 3 hours to approve Guard for Capitol police: result 5 died

 

 

Our ‘Truth and Reconciliation Commission’? 

 

 

How Govt wastes our money:

We subsidize $7.25 wage ($18,000) with food stamps $8,160, EIC $6,660, CTC $3,000.

CA town paid every citizen a basic wage: employment went up not down.

 

We bought 400 million vaccines but 41% of us don’t want to take it: more die 515,000 +

Senate to limit stimulus checks to income under $80,000 single; $160,000 MFJ couples

Kentucky citizens will stop working if given $1,400 McConnell insults his own citizens!

 

McConnell wife Chao uses our money to pay staff over $15/hr to do her personal errands

Wealthy say they already got $ millions in 2017 so they don’t need another Covid check

Wasted money: Police ask for Guard for 2 more months: Trump’s gone so no 3 hr delay

 

SCAMS/SPINS:

Bishop Accountability: What does it take to make them accountable hiding sins of abuse

Hospital charges reinstated: $1,000 for COVID treatment as ‘grace period’ ends

GOP vs Trumpists: follow the money in PAC: democracy’s future depends on cash!

 

Trump really has GOP in pocket: even man he tried to assassinate drinks his Kool-Aid

Trump vows to end traditional GOP party: “Get rid of them all” hundreds cheer

 

We never get to vote again: GOP suppresses voting: elections rigged if GOP not win

 

Still need masks: Another vaccine but still 3,000 die every day: 525,000

SD scam: Gov claims NO mask success but really means 2^nd most virus cases per capita\

Can schools be free of virus with toxic chemicals or big fans in the windows?

 

Scammers fake videos, pictures, tweets, all to manipulate us to hate others. Sorry state!

Scam lesson book: “Summer of Scam,” and 7 stories to teach us scamming

Block those unwanted robocalls on your phone: block all not on your list

 

Boy Scouts offer $300 million to pay off victims of child sex abuse: no prison for adults.

Bishops tell Catholics to skip J&J vaccine despite Pope OK

Biden: “Indian-descent Americans are taking over the country” really? Joe, look in mirror

 

Facebook costs you money but you may not even know how it does it.

Christopher Fulco NY caught frauds $1.6 million promised special invest: 3 yrs prison

BrightSpeed Solutions K. Howard IL caught working internet fraud on payment process

 

BEWARE: Visit no Covid regs states at your own risk: Map of states to avoid

Biden disses Neanderthals: insult our ancestors in comment on TX MS

 

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

 

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

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

1/3 troops declined vaccine: “unsafe” or want sense of independence: Trump got vaccine

Biden to change Trump regs: Independent Contractor definition, foreign workers

1955: year top 10% Americans started taking more and union membership went down

 

Who owns your account now?

Stricter Gym Precautions COVID-19 Outbreaks Linked To Gym Practices

Best Hospitals area: https://www.healthgrades.com/quality/hospital-ratings-awards

Google offers business breach insurance: insurers see what controls in place at firms

 

Which cars to buy in ’21: Consumer Report makes a list: Is it the safest?

Wealthsimple's U.S. Business to Betterment

 

 

Miracles:

NJ plumber drove to Texas with his family to fix burst pipes: brings wife and apprentice

Six-legged puppy? Variants abound in nature

Supremes decide NOT to hear another pitch for Trump election reversal: The Big Con!

 

Supremes decide to limit voting participation: Trumpism wins by stopping voters’ votes

 

Biden to give homeowners more time: longer for foreclosure deferral

TX everyone can get sick now: even fish can learn to wait for better future

 

 

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

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