The CAFR Swindle – The Biggest Game In Town – Video
Posted: November 5, 2012 at 9:50 am
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
Posted: at 9:50 am
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
Posted: at 9:50 am
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
Posted: at 9:50 am
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
Anastasia Dancing to "Wake" by Adam Hurst – Video
Posted: at 9:49 am
Anastasia Dancing to "Wake" by Adam Hurst
Anastasia performs tribal fusion dance to "Wake" by Adam Hurst, at the Haunted Hips Halloween Hafla, Ft. Wayne, Indiana. I do not own the rights to this music. It is available on itunes (Adam Hurst). I was not paid to make this video. It is my own personal performance, done simply for the love of it in the company of my dance sisters at the Haunted Hips Halloween Hafla, Ft. Wayne, IN.From:dollladieViews:5 2ratingsTime:04:09More inEntertainment
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Anastasia Dancing to "Wake" by Adam Hurst - Video
These Celebrities are Drinking Kangen Water! [Courtesy of Bryan and Kate 415 275-1266] – Video
Posted: at 9:49 am
These Celebrities are Drinking Kangen Water! [Courtesy of Bryan and Kate 415 275-1266]
A few more we may have missed:- Why don #39;t they talk about it? Many of them do not talk about it because they have contracts with companies like Gatorade to promote their products... whether they drink it or not Kangen Water is not just for celebrities -- now you can be just like them. Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is ...From:Bryan RidgleyViews:1 0ratingsTime:02:20More inPeople Blogs
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These Celebrities are Drinking Kangen Water! [Courtesy of Bryan and Kate 415 275-1266] - Video
3 Amazing Benefits of Alkaline Ionized Water [Courtesy of Bryan and Kate 415 275-1266] – Video
Posted: at 9:49 am
3 Amazing Benefits of Alkaline Ionized Water [Courtesy of Bryan and Kate 415 275-1266]
Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is life enhancing and a positive ORP is life depleting. Almost every beverage and bottled water on the market (including distilled and reverse osmosis) has a positive ORP. Kangen water has the most life enhancing ORP of any kind water available today Active Hydrogen This is perhaps the ...From:Bryan RidgleyViews:0 0ratingsTime:09:23More inEducation
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3 Amazing Benefits of Alkaline Ionized Water [Courtesy of Bryan and Kate 415 275-1266] - Video
Dr. Batmanghelidj Interview Part 1 [Courtesy of Bryan and Kate 415 275-1266] – Video
Posted: at 9:49 am
Dr. Batmanghelidj Interview Part 1 [Courtesy of Bryan and Kate 415 275-1266]
Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is life enhancing and a positive ORP is life depleting. Almost every beverage and bottled water on the market (including distilled and reverse osmosis) has a positive ORP. Kangen water has the most life enhancing ORP of any kind water available today Active Hydrogen This is perhaps the ...From:Bryan RidgleyViews:0 0ratingsTime:09:26More inEducation
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Dr. Batmanghelidj Interview Part 1 [Courtesy of Bryan and Kate 415 275-1266] - Video
Dr. Batmanghelidj Interview Part 2 [Courtesy of Bryan and Kate 415 275-1266] – Video
Posted: at 9:49 am
Dr. Batmanghelidj Interview Part 2 [Courtesy of Bryan and Kate 415 275-1266]
Kangen water is also known to have small clusters of 5 to 6 water molecules, as a result of the electrolysis process. Making it a Super Hydrating water. You can taste the difference in your first glass. Tap water is typically 12 to 15 and sometimes over 100 molecules per cluster. That is over double the size of Kangen water clusters. Antioxidant water Oxidization(free radical damage) is staying young #39;s worst enemy. Kangen water is a heavy-duty anti-oxidant which reduces oxidization and assist anti-aging. Alkaline Water Due to the Standard American Diet, stress and many other factors, most people that experience ill health have an overly acidic body that is the breeding ground for pathogens, disease and sickness. While eating an alkaline diet can be challenging, drinking water is the easiest and most effective way to raise your pH and heal energize your body. Bio-available Trace minerals When you drink water containing bio-available minerals, it adds to your bodily supply of resources. When you lack supply, you struggle physically. ORP Factor (Energizer Water) ORP Factor (Oxidation Reduction Potential ) -- The ORP factor is a direct measure of voltage or energy in the water. A negative ORP is life enhancing and a positive ORP is life depleting. Almost every beverage and bottled water on the market (including distilled and reverse osmosis) has a positive ORP. Kangen water has the most life enhancing ORP of any kind water available today Active Hydrogen This is perhaps the ...From:Bryan RidgleyViews:0 0ratingsTime:09:25More inEducation
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Dr. Batmanghelidj Interview Part 2 [Courtesy of Bryan and Kate 415 275-1266] - Video