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July 19, 2019

Here is an idea that I would bet that you never considered. If your grandchildren are working this summer, give them a jump start on feathering their retirement nest egg. A grandparent can contribute to a Roth IRA for a grandchild who has earned income.

The maximum contribution for 2019 is the lessor of $6,000 or the child’s earned income. You can make a contribution as late as April 15, 2020 for this year. Thus, if your grandchild earns $3000 this Summer, for example, and you put $3,000 into the Roth IRA on their behalf, it could grow to about $55,000 by the time they hit 67, assuming a conservative 6% rate of return. While the contribution can be taken out tax free anytime, the earnings can be withdrawn tax-free once they hit age 59 1/2 or older and has had the Roth IRA for at least five years.

By the way, this technique also can be used with your own kids.

Sandy Botkin
CPA, Tax Attorney, and former IRS trainer
Co-founder at Taxbot

Sandy is a CPA, Tax Attorney, and former IRS trainer. He has authored many helpful books on the subject of taxes, including 7 Simple Ways to Legally Avoid Paying Taxes ( Click Here ), Lower Your Taxes: Big Time ( Click Here ), and Real Estate Tax Secrets of the Rich ( Click Here ).

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How to Win in Court
July 11, 2019

Q. Can you win without controlling the judge?

  1. No!

Control the judge or lose!

Laws, rules, testimony, and evidence count for nothing ... if you can't control the judge!

You must control the judge!

This is your #1 job... if you want to win!

Threaten appeal!

You'll get nowhere with internet legal mythology, demanding to see his oath of office, challenging his jurisdiction based on the color of the fringe on the courtroom flag. Absolutely nowhere!

Cite appellate court opinions ... and threaten appeal if the judge doesn't agree with those appellate court opinions!

It's stupid to march into court demanding one's "Constitutional Rights", expecting the judge to admit your evidence, deny evidence and tricks presented by your opponent, and award judgment in your favor.

It just doesn't work that way!

Show the judge you will win on appeal if the judge rules against you!

For information on the "How to Win in Court” self-help course, click HERE

Website:  www.howtowinincourt.com?refercode=SR0094

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July 1, 2019


Saving money is an art form. It’s not just about rock-bottom prices – it’s about avoiding purchases that will cost you in the long run. If you want to really start saving, you’ll need to look at these five instances in which spending less will end up costing you more. 


A cheap car can seem like a great deal at first. After all, you’re putting less money down and saving on payments. Cheap cars are cheap for a reason, though, and most don’t last. You’ll end up paying more in repairs and, perhaps most importantly, you’ll end up wearing out the car faster. A good car might cost more, but you’ll be able to keep it on the road longer.


There’s a huge difference in the market between starter homes and luxury homes. While the starter is undoubtedly cheaper, you’re going to have to put in more work. The upgrades and expansions you’ll need to get the most out of it are going to cost you, and most of that money won’t be recouped in a sale. A luxury home, though, will only appreciate in value over time. 


You can often find a great shirt for twenty dollars at one store and something that looks almost exactly the same for just five. What’s the difference? In many cases, it’s quality. Cheap clothing cost less, but it falls apart more quickly. If you want to save money, you need to invest in clothing that won’t rip and tear easily and that can stand up to a standard wash cycle. 


A good computer is an investment. Even if you’re not looking to play high-end games or doing graphic design work, you’ll still likely need to invest a bit into a good machine. There are cheaper machines out there, of course, but they can cost you more over the long run. Not only are they more likely to develop problems because of the quality of parts used, but you’ll have to update them sooner because they are already on the verge of being out-of-date. 

Home Appliances

The key to buying good home appliances is being able to amortize the cost over time. Paying more up front makes sense when paying less will leave you with more costs. Cheaper appliances tend to be more power-hungry and also tend to need more repair work done. If you really want to save, buy something that lasts. The key to saving money isn’t to buy cheap, but to buy well. Do your research and find products that are likely to stand up to the ravages of time. Doing so will let you save money because you won’t have to worry about buying new quite as often.

Meghan Belnap is a freelance writer who enjoys spending time with her family. She loves being in the outdoors and exploring new opportunities whenever they arise. Meghan finds happiness in researching new topics that help to expand her horizons. You can often find her buried in a good book or out looking for an adventure. You can connect with her on Facebook right here and Twitter right here.

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