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The largest 100 public pension funds have around $1.2 trillion of unfunded liabilities, about $300 billion above the nearly $900 billion they reported themselves, according to a new actuarial study to be released on today.
Why is this happening and what can we do about it?
Read more: http://www.foxbusiness.com/government/2012/10/15/study-public-pensions-underfunded-by-12b/#ixzz29NbpObKe
Amy Mauer Creel, CEO of Smart Mom Jewelry has created an amazing and successful women owned business, She shares what are the key elements to her success and how others can emulate these practices.
Douglas Dubitsky, VP at Guardian Retirement Solutions, discusses the small business retirement crisis in America and the findings from Guardian's 2014 Small Plan 401(k) RetireWell Study SM: What's Working and Not Working for Small Businesses. One of the biggest impediments for most Americans when it comes to financial security in retirement is simply not having access to an employer-sponsored plan. In fact, in its annual Retirement Confidence Survey , the Employee Benefit Research Institute (EBRI) found that workers with some sort of retirement plan have significantly more in savings and investments than do those without a plan.
Greg Sullivan is Chief Executive Officer for Global Velocity, a company pioneering new approaches in securing information. Mr. Sullivan is recognized as an industry expert and visionary in the field of cybersecurity. His phrophetic warnings about cybersecurity has helped many small businesses.
How many wrong decisions can one nation endure? Every week there's a new story that shows a shocking lack in ethics or judgement on the part of the government. It’s open season on the environment, on science, the rights of veterans, it shames us all. Cuts to investigative journalism by most media outlets are allowing many stories to remain under-covered or untold altogether. Media consolidation has meant there are fewer voices reporting, with ever-tightening restrictions on what they can say. This is a critical threat to democracy, and it's the principal motivation for this film. Independent voices must pick up the slack.
- The tradition of being at the forefront of scientific research and development, critical to the nation's properity, has been all but abandoned. Our prowess and innovation has been flushed because scientifc research is revealing the effects of destructive policies.
- Since 2006 there has been an erosion of funding for veterans. The closure of 9 offices has resulted in having to drive for as long as eight hours to receive support. Lump sum payments have replaced life-long pensions, leaving veterans with less.
- The Harper Government has spent over 40 million dollars on TV ads promoting the oilsands. They fail to mention NAFTA is investigating how Canada is ignoring its own environmental laws. Responsible development is crucial for prosperity, but allowing oil giants to pollute without limit is leading to tragic results.
"Not In Our Name" (NION) will explore the axis of Industry, Media and Government, which prioritizes corporate interests over the peoples' interests. NION will show similar tactics around the world. The footage will directly contrast the pristine beauty of Canada with the damage that has been caused by de-regulated industry. We will work as hard as your contributions will allow. https://www.kickstarter.com/projects/1916096034/not-in-our-name
A Discussion of Libertarian Politics in Delaware and Across the Nation, with a Little Bit of Music Thrown In, Just for Fun.
Bread and Circuses
Greek Debt Negotiations
Support the Truth
by Jim's Big Ego
We Go Down Fighting
by Suicide Denial
Podsafe music courtesy of Music Alley
HB 39 (Marijuana)
SB 27 (Pensions)
What is real success? Most people simply don’t know! How do you know when you have reached success in life?
Take stock of your own life. Would you consider yourself an example of real success? Can you measure success in wealth? There are many unhappy rich people in the world. What about fame? The tabloids are full of the sordid details of the lives of celebrities; the glamorous life often pulls people into degradation and despair. If we are honest, we have to accept the fact that true success cannot be measured bymaterial means. Such “success,” once acquired, never satisfies in a lasting way, as it appeared it would.Much of the world is in current “prosperity.” Yet—even within the affluent U.S.—95 percent of businesses fail within five years of inception. Across the world streaks the shocking trend of increasing failures. Scores of millions daily allow the creeping cancer of FAILURE to chain them to a life of unhappy circumstances, from which only death promises release.
But WHY? WHY are only the very few really successful? Is it mere chance—is it just happen-so—can it be luck? Or are there definite reasons? WHY do all but the very few find themselves, by age 60 or 65, dependents? Why must there be old-age pensions, public welfare aid, charities to support the non-crippled, non-handicapped helpless? Why must children so often provide for aged parents—when it ought to be the other way around?
The new omnibus (1.1 trillion dollars) spending bill is abusolute treason.
Money for Obamacare
Money for Michelle food lunches
Money for War
F35 Strike Eagle fiasco. A plain built to die.
Trillions of dollars in banker’s derivatives losses are shifted to us!
Spying is Ok, the death of the fourth amendment.
Campaign donations increased by 10X. The 1% buys Washington openly
Join us for a Smithfix rant on why America isn’t America anymore
To call in dial 347-857-4397 or use Skype
This show will focus on the issues in the accumulation phase of retirement financial lifestyle planning such as sources of retirement income that one must take into account when preparing for the three life events- old age, disability and death.
Sign up here for a FREE WORKSHEET on the 7 Sources of Retirement Income™ which an individual can use to identify their sources of retirement income in the event of disability, old age and upon death. The WORKSHEET will also provide guidance on how to establish one’s desired retirement guaranteed lifetime ‘indexed’ income goal. The information when completed by the individual will provide the guide to knowing where the income gaps are, which source of income can be truly relied on and therefore how much more savings and investments is required TODAY and into the future to achieve one’s desired guaranteed lifetime indexed income.
Join us again on Jan 30th at 10 am EST for the final in the series on Retirement and Lifestyle Planning. You are also invited to the Free Webinar which also has a giveaway on Feb 3, 2014. You can sign up using this link: http://bit.ly/LZmyyt
Get bite-sized tips and ready to implement strategies in your inbox when you sign up here http://bit.ly/KtnkCx
in Self Help
In this episode of the Financial Healer Show,I talk to Alison Hamlin-Hughes about how she turned around her life and what an inspiration she is to others, and how you can do the same.
Alison is a 'stay at home mum' with 4 teenagers, always strived to make money by making jewellery & other crafts & not being very successful at that, although very talented in her field. Having entrepreneurial tendencies its always been hard to resist taking on new opportunities, but 'failed' at many, leaving the family in lots of debt & almost losing the family home at one point. Then she learned and applied The Law of Attraction and turned everything around by changing her mindset & approach to opportunities, she is now a successful international business woman and takes great pleasure in helping other people turn their lives around by changing what they eat & what they think.
Mark Bristow is a Financial Coach/Mentor and author based in South Manchester in the UK. specializing in helping people overcome the mental blocks that prevent them becoming wealthy. During the course of his career in financial services Mark held a number of positions in FTSE 100 companies including Pensions Manager at the UK’s largest Individual Financial Adviser. Mark is an EFT Trainer, a Matrix Reimprinting Practitioner and a NLP Master Practitioner. Mark also works with sufferers from Chronic Fatigue Syndrome and Fibromyalgia. He has co-written “Running Away from ME’ with a former client, Alison Christensen, which documents Alison’s path to recovery.