Monday, August 31, 2020


* Kelly Phillips Erb’s post “You’ve Got Mail (from the IRS)—But What Happens When You Don’t?” from her original BLOOMBERG.COM blog looks at the issue in light of potential IRS modernization.  But I look at it in light of moron Trump’s recent attempts to destroy the Post Office.

KPE ends her posting observing –


The agency’s in-person shutdown due to the pandemic has highlighted how dependent taxpayers and tax practitioners are on the mail system and how easily a disruption to the processing of paper refunds, payments, and returns can bring the entire system to a halt.”


Another area where Trump’s obvious irresponsibility and lack of concern could cause serious problems.


* From THE STREET – “Ask Bob: How to Fix an ‘Over contribution’to an IRA”.


FYI, the “Bob” being asked is NOT me – although I did once write regularly for THE STREET (see last week’s BUZZ).


* Jim Blankenship answers “20 Questions About 529 Plans” at GETTING YOUR FINANCIAL DUCKS IN A ROW.  


* If you haven’t already done so, I urge you to read my “Open Letter to All Americans”.


* The “IRS provides tax relief for victims of California wildfires; Oct. 15 deadline, other dates extended to Dec. 15”.


* Good advice for young people from Kevin McCormally and Rocky Mengle at KIPLINGER.COM – “Why You Need a Roth IRA”.


* Nothing to do with taxes – but this is important to read.  An actual Christian speaks the truth about Trump, denouncing the so-called “Evangelicals”, who are Christian in name only.   Please read “I'm Billy Graham's granddaughter. Evangelical support of Donald Trump spits on his legacy”.



Trump is a cancer.  Trump is a virus as bad as, if not worse than, COVID-19.  He has infected, perhaps fatally, the Republican Party.

The Republican Party is no longer a “Grand Old Party”.  It is no longer the Party of Lincoln, or of Eisenhower, or of Reagan.  It is truly the Party of Trump.  Which makes it The Party of Ignorance, The Party of Hate and Bigotry, The Party of Incompetence, and The Party Without A Conscience.


Friday, August 28, 2020


Dear American:

This is not an election about individual issues or political ideology.  This election is about the future of America, American values and American democracy.

I wholeheartedly support and will vote for Biden/Harris – but not because I am a Democrat or a liberal.  I support some Democratic policies and strongly disagree with others, and I support some traditional Republican policies and disagree with others.  I am more “liberal” on some issues, and more “conservative” on others. 

I am neither a Democrat or a Republican.  In the past I have voted for Democrats, Republicans and 3rd party candidates, depending on the candidate and the issues.  I am truly an Independent.    

What I strongly oppose and will vote against is Trump the man – the absolute worst and the most ignorant, incompetent, totally self-absorbed, despicable, and mentally unstable human being to ever occupy the White House in history.  Trump is very literally everything that a President, or any national leader, should not be.  He is truly a danger to the future of America and the world.  

I find it totally inconceivable that any intelligent person with a conscience, regardless of Party affiliation or political ideology, could support, defend or vote for Trump.  The argument used in 2016 of “lessor of 2 evils” did not apply then and does not apply now.  In any comparison Trump is always the most evil choice. 

Affirmative support and defense of Trump is unconscionable.  I sincerely believe those who affirmatively support and defend Trump and his re-election are traitors to American values and democracy and true enemies of the people.

This IS the most important election in the history of our country.  If Trump is re-elected, I very sincerely believe it will be the beginning of the end of American democracy and the complete destruction of American values that began when Trump took office in 2017.  Sadly, I truly fear America will not survive another 4 years of Trump.

I also oppose and denounce the current Republican Party for totally abandoning all integrity, principal, honor, and credibility by embracing and enabling Trump.  I will vote against all Republican candidates on all levels in 2020 - and going forward I will only vote for a Republican candidate who has consistently publicly and vocally denounced and disavowed Trump.

This is not about partisan politics – this is about patriotism.  Trump must go 

Robert D Flach

Wednesday, August 26, 2020


 I am not wealthy.

My current financial position is the direct result of the personal and business choices I made, good or bad, right or wrong, during my life. 

FYI, I am a healthy, heterosexual well-educated white man, born in urban northeast America of middle-class white-collar Protestant American-born parents who both lived long lives.  So, there are no “special circumstances” on which I can blame my lack of wealth or degree of success (not that any would be necessarily valid)..

I take complete and total personal responsibility for my financial and social condition.

If every American felt this way, we would be a lot better off.  

Just saying.