Archive for the ‘Retirement’ Category
2011|11|01 What Will the Lakota Levy Really Pay For? – Video
Posted: November 5, 2012 at 9:51 am
2011|11|01 What Will the Lakota Levy Really Pay For?
http://www.fox19.com I claim no copyright or ownership for Ben Swann #39;s work, his educational information, his journalism, or Fox19 #39;s property. FAIR USE NOTICE: This video may contain copyrighted material. Such material is made available for EDUCATIONAL purposes only. This constitutes a #39;fair use #39; of any such copyrighted material as provided for in Title 17 USC section 107 of the US Copyright Law. The issue pretty simple. Voters have rejected the Lakota levy before, including last November. In a week, they will decide whether to reject it again or instead, this time, pass the levy. Lindsay King wrote me saying she has 2 kids in the Lakota district and she refuses to be an uniformed voter. Here #39;s what she wants to know. "Before I vote yea or nay I #39;d like to know if transportation or building improvements are what we #39;re voting for, or if we #39;re simply going to balloon the school board salaries. Unfortunately, this is such a hot issue that the only things I can find are sites devoted to simply "yes" or "no"" Finding the info is a little tricky. But that #39;s what we do, and here #39;s what I found. The Lakota levy is for 4.75 mills. The cost to the average homeowner in West Chester would be a little over $300 a year, because the average home in the area is about $230000 dollars. The type of levy being asked for is an operating levy. The Lakota district says the operating levy would cover general operations including maintenance and general upkeep of 22 school buildings. That is true, but ...From:BenSwannArchiveViews:0 0ratingsTime:02:59More inEducation
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2011|11|01 What Will the Lakota Levy Really Pay For? - Video
Create Sources Of Retirement Income – Video
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Create Sources Of Retirement Income
Learn How To Create Sources Of Retirement Income. Go to amnbooking.com Click Here Now amnbooking.comFrom:Michael DawesViews:0 0ratingsTime:01:50More inEducation
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Create Sources Of Retirement Income - Video
Faces of Berkeley: Mitch Celaya, UCPD Chief – Video
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Faces of Berkeley: Mitch Celaya, UCPD Chief
With retirement looming, Chief Mitch Celaya reflects on his past 30 years of service in UCPD.From:thedailycalViews:1 0ratingsTime:02:19More inPeople Blogs
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Faces of Berkeley: Mitch Celaya, UCPD Chief - Video
Walter Burien – CAFR1 Trailer – Video
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Walter Burien - CAFR1 Trailer
Originally uploaded by Walter Burien on Mar 10, 2010 http://www.youtube.com About CAFR1 - Government #39;s Wealth Exposed Government now owns it all by investment! 1. What is Taxation? ANS: A revenue source. 2. What is Investment Return? ANS: A revenue Source. 3. What do Enterprise operations do? ANS: Generate a revenue Source. ANSWER to the Big question of ending taxation? ANS: Use 2 3 to knock out #1 TRF management teams can eliminate taxation one venue at a time. * Pension management accounts are established to pay salaries and benefits at retirement from the investment return generated. ** TRF management accounts are established to pay local government (City; County; School District; State) general purpose operating costs from the investment and Enterprise return generated. Taxation ended! Ready to make it happen? If the answer is yes, then pass the WORD and let the cognitive thinking for effective application of the TRF begin! "The Only Game in Town - 2011" is the only game the population should be playing; The path to ending ALL taxation! ------------------------------------------- Walter Burien - CAFR1 Trailer - The Only Game in Town - The Way Our Government Can Be - (HQ) Version Don #39;t Lower Taxation END IT - Taxation is NOT needed - Look and Learn. So what are you waiting for, just DO IT! To View the complete documentary go to - CAFR1.com Release date 03/10/10 - CAFR1 Productions youtu.be Taxes are no longer necessary. This video exposes a deliberate and massive swindle ...From:BrianVeritasAequitasViews:3 1ratingsTime:10:00More inEducation
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Walter Burien - CAFR1 Trailer - Video
The CAFR Swindle – The Biggest Game In Town – Video
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The CAFR Swindle - The Biggest Game In Town
Originally published on Sep 3, 2012 by minivanjack http://www.youtube.com Taxes are no longer necessary. This video exposes a deliberate and massive swindle that is perpetrated by every government agency from your local school district all the way up to the Federal government. This is the second Version of this expose #39; on public finance. Similar to first version, but incorporating input from Walter Burien and Clint Richardson. See their sites for much more info: http://www.youtube.com cafr1.com http realitybloger.wordpress.com - - - - - - - - -- - - - - - - - - - - Please watch http://www.youtube.com When your city and state start taking about how much they are in debt and want to raise your taxes or somehow borrow money, watch out! They have a SECOND SET OF BOOKS (called CAFR) that you are #65279; not being told about that actually shows these governments are in the black not the red they cry about. Listen to Walter explain in detail how we have all been suckers for years while local and state governments have been hiding billions of dollars and the truth from us Government now owns it all by investment! 1. What is Taxation? ANS: A revenue source. 2. What is Investment Return? ANS: A revenue Source. 3. What do Enterprise operations do? ANS: Generate a revenue Source. ANSWER to the Big question of ending taxation? ANS: Use 2 3 to knock out #1 TRF management teams can eliminate taxation one venue at a time. * Pension management accounts are established to pay salaries and benefits at retirement ...From:BrianVeritasAequitasViews:2 1ratingsTime:15:00More inEducation
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The CAFR Swindle - The Biggest Game In Town - Video
News of Sehwag’s retirement from T-20 apparently a rumor, causes stir in Indian cricketing world – Video
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News of Sehwag #39;s retirement from T-20 apparently a rumor, causes stir in Indian cricketing world
To get the latest news updates in Bhojpuri subscribe to Mahuaanewstv: http://www.youtube.comFrom:M MahuaanewsViews:0 0ratingsTime:05:07More inNews Politics
US candidates hope to sway senior voters – Video
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US candidates hope to sway senior voters
http://www.youtube.com News Video Network Plz Subscrib for Latest World News The financial crisis in the United States witnessed years of retirement savings wiped out and house prices plummet. More seniors are now helping their unemployed adult children and even paying for their grandchildren #39;s education. Al Jazeera #39;s Rob Reynolds looks at what #39;s likely to sway the senior vote in the upcoming presidential election.From:NewsVideoNetworkViews:0 0ratingsTime:02:36More inNews Politics
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US candidates hope to sway senior voters - Video
Planning for Retirement? Don’t Forget Health Care Costs
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ITS not news that health care costs are increasing. Yet several recent studies show that few people factor those rising costs into their retirement plans.
Consider this example from an annual report from Fidelity Investments: For a 65-year-old couple retiring this year, the cost of health care in retirement will be $240,000, 6 percent more than that same couple retiring in 2011 would pay. The report assumes that the man will live 17 years and the woman 20.Most people dont realize Medicare covers much less than traditional employer plans, Sunit Patel, senior vice president in Fidelitys benefits consulting group. The $240,000 number captures the Part B premium for physician services, Part D for prescription drugs. Then there are deductibles and coinsurance, and benefits that are not covered like vision exams, hearing aids.
Another study, this one from Nationwide Financial, found that people who were near retirement routinely and wildly overestimated the percentage of health care costs covered by Medicare. It covers only 51 percent of health care services, according to the Employee Benefit Research Institute.
Robert L. Reynolds, president and chief executive of Putnam Investments, which has its own study, bluntly summed up the situation at a recent news briefing. It makes no sense at all to talk about retirement savings or lifetime replacement income without talking about health care expenses, he said.
A calculator developed by Putnam, called the Lifetime Income Replacement Tool, shows people not only how much they have saved but also how much they need to save depending on their health (cigarette smokers with diabetes need to save the least because their life expectancy is the shortest) and where they plan to retire (Louisiana is the cheapest, Alaska the most expensive) so they can live at their same income in retirement.
Moving to cheaper and possibly warmer climates is something many retirees naturally do. But while someone may be willing to move to Florida to reduce state taxes and avoid the ice and snow of the north, most people have so little awareness about the costs of health care in retirement that those costs are probably not a driving factor.
Carol and Richard Bechtel had worked in the San Jose, Calif., area, she for Stanford University and he at various technology companies. When it came time to retire in 2006, they put a lot of thought into where they wanted to live. They picked a community in Fairfield Glade, Tenn.
Cost of living was a factor. They were able to sell their home of 37 years in San Jose, pay cash for a house on a golf course, and still have money left over to put in their retirement account. Quality of life also mattered. By their account, the Bechtels are thoroughly enjoying their new community and friends. Mr. Bechtel found a hangar close to their home for his airplane, and they are closer to their son and three granddaughters in Wisconsin.
But when it came to knowing their health care expenses in retirement, they were pretty typical: they had to check on what the exact costs were. Their premiums, between Medicare, a supplementary policy through Stanford and a dental plan, will cost them $9,058.80 this year. That is a whopping 14 percent increase from the same policies in 2011. And that number does not include any out-of-pocket medical expenses, like co-payments or the costs of over-the-counter medications.
Health premiums are probably one of our biggest expenses, Mrs. Bechtel said.
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Planning for Retirement? Don’t Forget Health Care Costs
An Estimate for Needed Retirement Savings
Posted: at 9:50 am
Eleven times your final working salary.
That's how much an average worker needs beyond Social Security payments, from sources like personal savings and employer benefits, to pay for retirement at age 65, a new analysis from the benefits consultant Aon Hewitt finds. The estimate takes into account inflation and post-retirement medical costs. And it is based on the retiree continuing to maintain the same standard of living.
Delaying retirement to age 67 reduces the amount to 9.4 times pay, while retiring earlier, at age 62, increases it to 13.5 times pay, the report said.
The analysis, which examined the projected retirement levels of about 2.2 million employees at 78 large companies in the United States, found that most employees are not on track to meet the goal of 11 times pay, although many are doing a bit better than they were a couple of years ago.
Most "full-career" employees are on track to save 8.8 times their final pay, leaving a shortfall of 2.2 times pay, the analysis found. That's a bit better than the shortfall of 2.4 times pay in 2010. Full-career employees are those who have a potential career of 30 years or more with their current employer before retirement, and who are currently saving in their defined-contribution retirement plan, like a 401(k).
Workers need to save more, however, to close the gap.Or employers could provide more generous contributions.(Companies without traditional pension plans generally contribute about 6 percent of pay to employees' retirement each year.) Fewer than 30 percent of full-career employees are on track to achieve adequate retirement income, Aon Hewitt found.
How much of your income are you saving for retirement? Do you think 11 times your pay is achievable?
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An Estimate for Needed Retirement Savings
Population Change And Rural Society – Video
Posted: November 3, 2012 at 5:46 pm
Population Change And Rural Society
ll4.me Population Change And Rural Society Rural America through a Demographic Lens.- The Rural Rebound and its Aftermath.- Changing Faces of Rural America.- Changing Livelihoods in Rural America.- Fifty Years of Farmland Change.- Changing Fortunes.- Hispanic Population Growth.- Social Integration of Older Inmigrants in Nonmetro Retirement Destination Counties.- Agricultural Dependence and Population Change in the Great Plains.- Gaming, Population Change and Rural Development on Indian Reservations.- Urban Sprawl and Rural Economic Transformation in the South.- Changing Land Use Patterns in the Rocky Mountain West.- The Effect of Seasonal Homes on Indicators of Rurality.- Housing Affordability in the North Woods of Minnesota, Wisconsin, and Michigan.- Social Change and Well Being in Western Amenity-Growth Communities.- Community Evaluation and Migration Intentions: The Role of Attraction and Aversion to Place on the Northern Great Plains.- Persistent Poverty and Inequality in Appalachia.- Welfare Reform Amidst Chronic Poverty in the Mississippi Delta.- The (Re-)Emergence of Spatial Demography.- Policy Implications of Rural Demographic Change. EAN/ISBN : 9781402039027 Publisher(s): Springer Netherlands Discussed keywords: Agrargesellschaft, Bevlkerungsdynamik Format: ePub/PDF Rural America through a Demographic Lens.- The Rural Rebound and its Aftermath.- Changing Faces of Rural America.- Changing Livelihoods in Rural America.- Fifty Years of Farmland Change.- Changing ForFrom:leswatkins871Views:0 0ratingsTime:00:04More inPeople Blogs
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