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Planning Where to Retire? This State Could Be the Worst Option
There's a lot of effort putting away money each month to consciously save for a comfortable nest egg. But, have you thought about how you are going to spend it? If you live in any of these California cities you might want to add a few additional plans for your future. Here are some of the worst cities for retirement in California. Read More: https://www.gobankingrates.com/retirement/planning/worst-best-cities-to-retire-rich/ Website: https://www.gobankingrates.com Facebook: https://www.facebook.com/GOBankingRates Instagram: https://www.instagram.com/gobankingrates Pinterest: https://www.pinterest.com/gobankingrates LinkedIn: https://www.linkedin.com/company/go-banking-rates Twitter: https://twitter.com/GOBankingRates
Просмотров: 1226 GBR
13 States Without Pension or Social Security Taxes - # 5 WILL Shock You
States that don't tax your pension or Social Security: Simply take all the states wiht no state income tax and then add Alabama, Illinois, Mississippi and Pennsylvania. Yes, you heard that right, Illinois is one of the few states that leave your pension AND Social Security alone! Oh, don't get me wrong, they make up for it in other ways but in terms of income from retirement accounts Illinois is going to be hard to beat. https://money.usnews.com/money/retirement/boomers/slideshows/13-states-without-pension-or-social-security-taxes ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Просмотров: 62701 Heritage Wealth Planning
THESE States Have the WORST Pensions! The Untold Truth About Pension Funds Revealed!
📘LOOK THROUGH MY BOOKS! 📘 http://books.themoneygps.com SUPPORT MY WORK: https://www.patreon.com/themoneygps PAYPAL: https://goo.gl/L6VQg9 CRYPTO: http://themoneygps.com/donate —————————————————————————————————————— The BEST Storable Food: https://goo.gl/fb8Xy4 —————————————————————————————————————— 💻STEEMIT 💻 https://steemit.com/@themoneygps 💻DTUBE 💻 https://d.tube/c/themoneygps 👕T-SHIRTS 👕 http://themoneygps.com/store —————————————————————————————————————— ℹ️Sources Used in This Video ℹ️ https://goo.gl/UpprQe
Просмотров: 9545 The Money GPS
Where are the best and worst places to live in retirement?
We like stats around here at jazzWealth and one that just came out is where to live in retirement. How many of you will move when you retire and how many of you just stay put? The answer may shock you. Better than that, we will go over some things you may want to consider before moving in retirement along with the best and worst places to retire.
Просмотров: 1931 Jazz Wealth Managers
Britain pays retirees worst state pension
Britain pays retirees the worst state pension of any country in the developed world, analysis has found.The basic payout of £122.30 a week is the least generous in the West – worth just 29 per cent of average earnings – and last night former pensions minister Ros Altmann warned the situation could get even worse.Government projections suggest that for those now under 30 the age when they can claim a state pension will have to be raised to 70, while future payments could be cut even further to avoid needing massive hikes in national insurance, Baroness Altmann said.The league table revealing Britain's pension shame was compiled by the Organisation for Economic Co-operation and Development (OECD), which analyses the world's industrialised nations.Out of all the countries compared, Britain comes bottom – even behind poorer nations such as Chile, Poland and Mexico.While the UK's state pension is worth just 29 per cent of average earnings, in France the equivalent figure is 74.5per cent.Germany's state pension is worth 50.5per cent of average earnings, while in the USA it is 49.1per cent.The most generous state pension in the world is in the Netherlands, where the payments are slightly higher than average earnings.Baroness Altmann warned that despite a recent overhaul to the pension system, payments will need to be cut further to avoid massive tax rises in future to pay for it.She said: 'We are one of the world's leading economies, but our support for the oldest in society is not fit for purpose.'In April 2016, major reforms to the UK state pension were supposed to have made the system affordable for the future, reducing its generosity.Beyond the 2030s, the new state pension will be lower than the old system for most people and the lowest paid, predominantly women, will lose significantly from the new system.'Despite this, the Government has been advised that the costs of paying state pensions will soar so much over the next 20 years and beyond that further cuts could be required.' From later this year the state pension age for women will rise from 63 to match men at 65, and will reach 66 for both by 2020.The Government's economic forecasters, the Actuary's Department, believes it will become 70 in the 2050s and 71 in the 2060s.This would mean that anyone aged 30 or below now will not get their state pension until they are 70, while those under 20 will have to wait until they are 71.Baroness Altmann added: 'The Government actuary believes that just funding the UK's exceptionally low state pension will require reducing payments in future or dramatic tax rises.Policymakers face difficult decisions and are also likely to need to increase the state pension age further.' The former pensions minister called on the Government to do more to address the crisis, including making private pensions more attractive so that more people are willing to pay a portion of their wages into their own fund.'To avoid burdening younger generations with significant tax rises,
Просмотров: 87 Dongo NEWS
Structuring state retirement saving plans --A practical guide to policy issues
On October 7, the Retirement Security Project at Brookings hosted an event to discuss the role of the states in boosting retirement plan coverage and retirement adequacy. Subscribe! http://www.youtube.com/subscription_center?add_user=BrookingsInstitution Follow Brookings on social media! Facebook: http://www.Facebook.com/Brookings Twitter: http://www.twitter.com/BrookingsInst Instagram: http://www.Instagram.com/brookingsinst LinkedIn: http://www.linkedin.com/com/company/the-brookings-institution
Просмотров: 195 Brookings Institution
Budget Solutions: Pension Reform Plan
Illinois has the worst-funded pension systems in the nation. The unfunded liability currently stands at more than $96 billion according to official government numbers, and that number grows by $21 million every day lawmakers fail to enact reform. The only way to end Illinois' pension crisis is to empower government workers by transitioning benefits for all future work to a defined contribution system. The Illinois Policy Institute's solution cuts unfunded pension debt in half and includes a defined contribution plan as the main pillar of its reforms, while protecting already-earned benefits for government workers. This plan modernizes the state's retirement system by eliminating political control and giving government workers the secure retirement they deserve. Ultimately, these reforms restore fiscal order to the state by eliminating unsustainable pensions and unfunded liabilities. This plan puts Illinois back on a path to prosperity, fostering an environment where businesses can thrive and create the jobs Illinoisans need.
Просмотров: 1251 Illinois Policy
Assessing the Health of Minnesota's Pension Plans
The Legislative Commission on Pensions and Retirement is charged with overseeing the operational and financial conditions of the statewide public pension funds. Governor Dayton’s veto of the 2017 omnibus pension bill, increases in life-expectancy, the wave of retiring baby-boomers and alternative accounting measures have produced some provocative headlines questioning the health of Minnesota’s pension plans. The current chair of the Pensions Commission, Senator Julie Rosen, R-Vernon Center, joins Capitol Report moderator Shannon Loehrke to assess the ongoing health of the state pension and defined contribution plans serving state, county, municipal, school district and other public employees in Minnesota.
Просмотров: 288 Minnesota Senate Media Services
3 Things to Consider When Planning for Retirement
So you’re getting ready to retire and have begun to think about all the wonderful things that come with this next stage in life. Before you take that step, there are a few things you need think about. Carefully considering these 3 areas of your future will have a lasting and significant impact on your ability to fully maximize your retirement income. Have you downloaded your FREE GUIDE on how to “Maximize Your Social Security Income”? It is available by visiting http://www.RetirementSuccessAcademy.com Throughout this video I will cover the following things you should consider before you retire. They are: • Timing • Financial Decisions • Lifestyle Consideration #1: Timing Timing is critical to your retirement. You may just assumed that as soon as you reached the magical age of your retirement you would walk out of your employment for the last time on that beautiful day, never to return. However you would carefully consider the timing to make sure you are retiring at a time when you will maximize your benefits. Perhaps waiting for another year will net you more in employer benefits or social security income. Maybe if you held on for another 6 months you would hit another anniversary and qualify for a bonus or vesting of stock options. Consider carefully the timing on making that final decision to walk away. The second area you need to be aware of with timing is how your decision will impact your ability to take social security. Because social security will be a major part of your retirement income, you need to figure out the best time to take your social security payments. Deciding on if you could work another year in order to delay your social security benefits may result in an increase in your monthly benefit. It would be nice to know these details before you make the final decision to retire. While we cannot time the market and do not know what the future holds, we should think about the state of the market when we are getting close to retirement. If you were to retire at the end of 2007 and held all your retirement funds in accounts tied to the market, you would have woken up a year later with significantly less in your accounts. To avoid getting in this position you should prepare your accounts and make sure they are allocated in ways that will allow you to participate in some of the upside potential of the market while protecting against downside risk as much as possible. Consideration #2: Financial If you’re like most people, most of your thoughts about retirement have centered on financial matters. This is an important area to think about. Here are some of the financial matters you need to consider: • How Much Money Should You Have: This is the most important thought when considering retirement. If you don’t have enough in your retirement accounts saved up then it makes it super difficult to retire. A good rule of thumb is to have 8-9x your average of the previous 3 years income. • Reviewing Your Living Expenses: One way to make your money last longer is to review your living expenses and make sure they are in line your your budget. Cutting unnecessary expenses is a good way to know how much you need each month. No need to cut out everything and live a life of poverty, but you should know where your money goes each month. • Can You Earn Supplemental Income: Now might be the perfect time to begin earning some supplemental income. Start a business, get another job somewhere you really enjoy or learn how to make passive income. • Pay Down Your Debt: In line with knowing your living expenses is to cut down on your debt. Now is a good time to review the possibility of paying off that credit card or car loan. If you have a chance to take some of your retirement balance and pay off your debt, does that free up a substantial amount of money? • Re-evaluating Your Insurance Coverage: Any major life change (retirement included) is a good time to review your insurance coverage. Take a look at Life & Health insurance, Property & Casualty (car / home) coverage or any liability insurance. • Set Aside an Emergency Fund: You should always have an emergency fund, whether you are retiring or not. It is smart to have 6-12 months of current income in an emergency fund. Some people will hold that in cash at their house or just keep it in an account. Either way is fine as you can access it in an emergency. Consideration #3: Lifestyle Now that you are retired, you will have a large amount of time on your hands. It is easy to fall into a funk and not know what to do with your time so thinking about your lifestyle before you retire is critical. It is a good time to pick up a hobby, start a new business or spend more time traveling and spending time with your family. It is also a good time to donate time to charitable causes or local not-for-profits. There are plenty of opportunities abound, you just need to look around.
Просмотров: 10425 Retirement Success Academy
ALERT! Ohio Pension Plan Problems
Pension plan problems in Ohio. Public pension plans in trouble throughout America. In article written by Laura Bischoff of the Dayton Daily News, on September 20th, 2017 Ohio’s biggest public pension system is considering cutting the cost of living allowances for its 1-million members as a way to shore up the long-term finances of the fund. Ohio Public Employees Retirement System trustees on Wednesday discussed options that could affect all current and future retirees, including tying the cost of living allowance to inflation and capping it and delaying the onset of the cost of living allowances for new retirees. No decision has been made and trustees will discuss the options again in October. So far, some 72,000 members responded to an Ohio Public Employees Retirement System survey about possible changes. Ohio Public Employees Retirement System spokesman Todd Hutchins said 70 percent of retirees responding to the survey report that they prefer that the cost of living allowances be capped, rather than frozen. Ohio Public Employees Retirement System is the latest of the five public pensions systems in Ohio to consider benefit cuts. The State Teachers Retirement System of Ohio in April voted to indefinitely suspend the cost of living allowances for retired teachers. Trustees said they weren’t certain that the cut would be enough to shore up the finances of the $72-billion fund. Ohio Police & Fire Pension Fund is expected to hire a consultant to help restructure its health care benefits. OP&F announced in May it would switch in January 2019 to issuing stipends to each retiree, who can then use the money to purchase coverage. School Employees Retirement System, which covers janitors, bus drivers and cafeteria workers, is taking steps to link its cost of living allowance to inflation, cap it at 2.5 percent, and delay its onset for new retirees. Combined, Ohio’s five public pension systems have 1.9 million members, beneficiaries and retirees and have nearly $200 billion in investments. Sponsor Me On Patreon https://www.patreon.com/bePatron?c=695624 "Skills to Pay the Bills" the course that teaches you how to write the perfect resume, prepare for job interviews and time management. https://www.udemy.com/skills-to-pay-the-bills/ Mom Said "A Little Book To Grow By" 66 biographical rhymes of successful individuals in American history. This book will inspire you to overcome challenges in your life. https://www.amazon.com/Mom-Said-Little-Book-Grow/dp/1530951879/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1461708051&sr=8-2 Steps In Success, the book I wrote for students to use to achieve their aspirations. https://read.amazon.com/kp/embed?linkCode=kpe&ref_=cm_sw_r_kb_dp_Y8hZwb0309NKG&asin=B01BNWGQO2&tag=kpembed-20&from=Bookcard&preview=newtab&reshareId=JD5V3GHMT9YY86H8T2RM&reshareChannel=system Amazon Store (Shop With Me) http://www.getreadyproductions.com/?page_id=144007 LinkedIn https://www.linkedin.com/home?trk=nav_responsive_tab_home Facebook https://www.facebook.com/getreadyproductions/ Twitter https://twitter.com/StepsInSuccess Resume Writing Service http://www.getreadyproductions.com/?page_id=4526 Patreon (Sponsor Me) https://www.patreon.com/davidnaylor
Просмотров: 364 Get Ready Productions
2018 Property Tax Rates By State
Property tax are the worst f the taxes you can pay in retirement. Reason for this is simple, you can do a lot to reduce if not eliminate income taxes. Maximize Social Security, move $ to Roth IRAs when you are in a low bracket, etc. You can also minimize your sales tax by not eating out, growing your own food, driving to a tax free state, such as New Hampshire from Maine, to buy your gear, etc. Property tax though? Nope. Other than taking whatever homestead exemption they offer, there is nothing you can do. So, keep a look-out for what your property tax rates are, as well as the value of your home in which you're being charged. Take advantage of whatever options they offer too, homestead exemptions, age exemptions, etc. https://wallethub.com/edu/states-with-the-highest-and-lowest-property-taxes/11585/ ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what you see, a thumbs up helps A LOT. It tells YouTube that people are engaged and so the Youtube algorithm will show the vide to others who may be interested in the content. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOKS: Both are FREE to Kindle Unlimited Subscribers! The Tax Bomb In Your Retirement Accounts: How The Roth IRA Can Help You Avoid It https://amzn.to/2LHwQpt Strategic Money Planning: 8 Easy Ways To Put Your House In Order https://amzn.to/2wKGi50 PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Просмотров: 658 Heritage Wealth Planning
Pension Plans Explained: Defined Contribution vs Defined Benefit Plans
Pension Plans Explained: Defined Contribution vs Defined Benefit Plans What we’ll cover: What are Pension Plans? 2:02 Key Differences between Defined Contribution and Defined Benefit Plans 5:05 Accounting for the 2 Types of Plans 10:05 Personal Finance Implications for Both Types of Plans 13:10 PERSONAL FINANCE & FINANCIAL PLANNING Pension Plans: Defined Contribution Plans vs Defined Benefit Plans WHAT ARE PENSION PLANS? Individual Investment Accounts to assist Funding Your Retirement Individuals being encouraged to better fund their own retirement, through individual investment accounts. These can both reduce burden on state, while also improves the standard of living in retirement These accounts funded by employers or individuals themselves and often receive favourable taxation treatment These accounts have restrictions on accessing the funds prior to retirement Pension Plans System often Dependant on National Jurisdictions This video may be played anywhere in the world, so I have to talk in generalisations. But you’ll find specific systems, structures and rules are based on where you’re located. In the US: 401(k) Accounts In Australia: Superannuation Account within a superannuation fund In Ireland: PRSA, or a Personal Retirement Savings Account But no matter your location, the consensus view is that there are 2 Distinct Types, or categories, of Plans: 1) Defined Contribution Plan 2) Defined Benefit Plan KEY DIFFERENCES BETWEEN 2 TYPES OF PLANS Defined Contribution Plan: * Employer only obligated to contribute set amount each period * No guarantee of future benefits, only committed to the contribution. E.g. minimum 9.5% of earnings in Australia * Therefore the employee bears the investment risk Defined Benefit Plan: * Employer is obligated to provide an income stream post retirement Income stream amount dependent on variety of factors, e.g. length of service or salary at retirement * Employer bears investment risk i.e. they the promising a particular income stream and must have the plan assets to meet these commitments * In general: These plans can cause huge liabilities for some companies Are being phased out and 'defined contribution plans' are becoming the standard ACCOUNTING FOR BOTH PLANS Defined Contribution Plan: * Much simpler accounting * Income Statement: ‘Pension Expenses’ are just the contribution made * Balance Sheet: No impact, i.e. no recognition Defined Benefit Plan: * More complex accounting. Differences in accounting between IFRS and US GAAP * Income Statement: ‘Pension Expenses’ can involve any new pensions earned by employees, benefits paid from past employees and interest * Balance Sheet: Compare the Plan Assets vs Estimated PV of Pension Obligations Net pension asset or net pension liability on balance sheet PERSONAL FINANCE IMPLICATIONS Defined Contribution Plan: * Must monitor Performance of Contributions * Must monitor Allocation of Contributions (1) Determine post retirement income needs, (2) Estimate the balance needed that should generate that income, (3) Plan to reach the balance needed by adjusting contributions and monitoring fund performance Defined Benefit Plan: * Must monitor the financial strength of Plan * Must monitor communications from the managing entity, and it’s management * Learn the rules of how your Defined Benefit Plan works DISCLAIMER The business AccoFina, and myself the individual, are not giving personal advice in this video. It is meant to provide factual information for educational purposes. We do not know your personal circumstances and financial goals. Neither AccoFina or myself hold an AFSL, nor are we authorised representatives of an AFSL holder. We are not a licensed financial advisor. This is general information only and should not be taken as constituting professional advice. You should consider seeking independent legal, financial, taxation or other advice to check how this information relates to your unique circumstances, before taking (or not taking) any actions. AccoFina and myself are not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by this video. -------------------- Thumbnail Photo by Daniel Spase from Pexels --------------------- This video was brought to you by AccoFina. Subscribe to the Channel: https://goo.gl/84Sfeg Or just check out the Channel Page: https://goo.gl/yTj9Bs Here’s AccoFina’s Most Popular YouTube Video: https://goo.gl/Jbv685 And here’s AccoFina’s Latest YouTube Upload: https://goo.gl/wDM83Y AccoFina Website, Product Pages and Social Networking: 1) Website (includes Free Spreadsheets, Free Books and Free Calculators) http://www.accofina.com 2) Amazon Author Page: http://www.amazon.com/author/axeltracy 3) Udemy Instructor Page https://www.udemy.com/u/axeltracy/ 4) Twitter http://www.twitter.com/accofina 5) Google+ http://plus.google.com/+accofina
Просмотров: 181 AccoFina
The 10 Worst Financial Decisions You Can Make In Retirement
In an ideal world, we would start contributing to our retirement savings accounts the moment we receive our first paycheck from our first job. With the rumor mill of declining social security benefits, you can no longer rely on this form of funding in retirement. In this time of fiscal uncertainty, there are many financial decisions that can make or break you during your formative years. Below are the ten worst financial decisions you can make in retirement.Assuming You Will Retire at a Specific AgeThere are many factors that can influence the age at which you retire, some of which are not in your control. An unfortunate layoff, forced early retirement or unseen health issues can cause you to retire earlier than expected. If you are counting on the last few years of savings to set everything in order, you may find yourself with a lack of income in a tough job market. This is why it is absolutely imperative that you begin your retirement planning as soon as you can. On the other hand, just because you reach 62 or 65 doesn't mean that you should automatically retire. Take the time to do a cash flow analysis and speak with a financial planner to determine when you can comfortably retire.Relying on the Advice of Friends and Family Instead of a Professional.Everyone has a friend or family member who is a self-proclaimed financial genius. They may even provide great tips for saving, but it is still best to sit down with a professional who can directly assess your finances. Your friend may have done a great job with his or her own retirement, but this doesn't mean he or she understands your specific needs. In a worst-case scenario, he or she knows even less than you do and your retirement begins as the proud owner of a South American beet farm. You don't need to be wealthy to sit down with a financial planner or retirement specialist. The earlier you begin creating a retirement plan, the easier it will be to manage in the future. The value of a professional who can integrate all of your income and savings into a cohesive plan cannot be understated. Starting Social Security Too EarlyMany people want to begin collecting their social security benefits when they turn 62 and first become eligible. What many people don't realize is that the amount of benefits you receive scales with the age that you begin receiving benefits. The longer you wait to start collecting, the greater your initial annual income. The payments received if you begin collecting at age 70 (when benefits no longer increase) are nearly double those you would receive if you begin at age 62. Social Security benefits offer many advantages over other retirement options and great care should be taken to maximize the return. The payments adjust with inflation, are uninfluenced by the stock market, are subject to little or no income tax, and can be passed to your spouse upon death. Careful financial planning can allow you to delay the onset of the benefits and reap the rewards of a very
Просмотров: 5 retirement living
Want lower taxes? Do NOT move to Nevada or Florida
If you want lower taxes, do not move to Nevada or Florida! Why? Keep watching the video for details. We all know that entrepreneur that moved from California to Nevada, or from New York to Florida, to save on taxes. After all, nine US states have no state income tax, and not paying state tax can save you thousands of dollars. However, by applying the 80/20 Rule, we find that most entrepreneurs who eliminate state tax are only saving a fraction of the taxes that they could by moving overseas. In this video, Andrew discusses why moving to another state to eliminate state income tax is unproductive when compared to the tax benefits of being an expat. He explains that moving is moving, and if you can move to Miami, you can probably move to Panama. The truth is that you can't avoid taxation in the US, but there are so many legal and straightforward ways to do that when you get out of the country. To learn more about different types of taxation, take a look at this video: https://www.youtube.com/watch?v=SGta-qDyPI0&ab_channel=NomadCapitalist If you want to work on your offshore strategy and plan, then this channel and Nomad Capitalist are right where you're supposed to be. Keep watching! --- ABOUT NOMAD CAPITALIST Andrew Henderson travels to nearly 30 countries every year to stay up to date on the latest legal strategies for entrepreneurs and investors to pay less tax, grow their money faster, and build their personal freedom. Andrew started Nomad Capitalist to help people like you follow his five magic words: "go where you're treated best". He has personally started foreign companies, opened offshore bank accounts, and obtained multiple second passports. He also learned the hard way that perpetual information seeking is often the biggest barrier to getting the results you want. Many entrepreneurs spend months and even years constantly researching how to pay less in tax or live overseas, but are afraid to make the jump. As a result, they get stuck and keep paying a fortune in taxes and never get the lifestyle they deserve. Nomad Capitalist's Youtube channel is based on Andrew's vision that focusing on the end result, rather than the latest shiny object, is the best way to actually obtain the benefits of the Nomad Capitalist lifestyle. About Andrew: http://www.nomadcapitalist.com/about/ Our website: http://www.nomadcapitalist.com Our blog: http://www.nomadcapitalist.com/blog/ Work with Andrew: http://www.holanomad.com/
Просмотров: 30274 Nomad Capitalist
The 5 best states to retire to that AREN’T Florida or Arizona | News Today
When we think about retirement, the focus is often on how much to save and how to live frugally once we stop working. But where we plan to retire is a big deal, too, and not just because of the weather. “When you dream of retirement, you’re probably not dreaming about the tax code,” says AJ Smith, vice president of content at personal finance portal SmartAsset. But maybe you should, because taxes can vary a great deal from state to state. http://www.usatoday.com/story/money/personalfinance/2016/09/08/5-best-states-retire-florida-arizona-south-dakota-wyoming/88892700/ | News Today Visita https://www.noticias-al-momento.com
Просмотров: 34964 Noticias al Momento USA
Broken Eggs: The Looming Retirement Crisis in America
Broken Eggs Awakens America to the Looming Retirement Crisis What was once a life ending in happily ever after is now a life ending in working ever after. If retirement feels more like a fairy tale, it is in the feature-length documentary Broken Eggs. The film takes a rare look at one of the gravest social issues facing an aging America – the grim irony that even as we live longer, a growing number of Americans are falling short of a secure and comfortable retirement. And the prognosis is even worse for future generations. “Broken Eggs blends comical animations with unforgettable portraits of everyday Americans reckoning with their inability to retire.” Social Security is 20 years short of insolvency; pensions are largely underfunded and in sharp decline; and personal savings are at historic lows. Unlike any documentary of its kind, Broken Eggs blends comical animations with unforgettable portraits of everyday Americans reckoning with their inability to retire. Audiences of every generation will leave rattled and ready to put their Nest Egg back together again. The hard-hitting documentary also features wide-ranging, high-profile interviews with economists, policy makers and financial experts, all who confront the undeniable, but often ignored facts that have put the American dream of retirement in jeopardy. Social Security is projected to be insolvent in 2033. In 1950, there were 16.5 workers for every Social Security beneficiary. Today, there are less than 3 workers paying in for each recipient. Company-sponsored pensions have been in rapid decline since the 1980s. Today, less than one out of every five private sector employees has a pension. As a group, American workers are estimated to be $6.6 TRILLION short of what they need to retire comfortably. 10,000 Baby boomers are reaching “retirement age” every day. 40 percent of Baby boomers expect to work “until they drop”. Almost half of American workers have less than $10,000 in savings. Americans who make it to age 65 today can expect to live roughly 18 years more. That’s six years longer than Americans who made it to age 65 in 1940. What the experts say… Economist Teresa Ghilarducci with The New School of Social Research has studied the savings and assets of future retirees. Her startling findings show that working Americans are actually “going backwards” – the first time since Social Security was passed in the throes of the Great Depression. “Most Americans who were middle class when they were working all their life are going to be poor or near-poor retirees,” says Ghilarducci. “We’re going to have massive downward mobility. That you’re middle class all your life, and you now find yourself to be really in a chronic state of want and distress about finances. And it gets worse as you get older.” And Social Security – what was meant to be a backstop to prevent people from falling into poverty in old age – is on the brink of insolvency by 2033, according to the program’s own administrators. Social Security is not only bankrupt, it’s bankrupting future generations, says Laurence Kotlikoff, author of The Clash of Generations and a professor of economics at Boston University. “We’re not measuring what we’re doing to our kids. We’re not talking about who’s going to pay for a different generation’s benefits,” Kotlikoff says. “Most Americans who were middle class when they were working all their life are going to be poor or near-poor retirees,” says Ghilarducci Turning America’s retirement prospects around is the chief responsibility of Mark Iwry, a senior adviser to the U.S. Treasury Secretary on retirement policy, and the country’s likely architect for retirement savings of the future. Iwry is determined to change America’s saving habits through automatic enrollments in individual retirement accounts or “auto-IRAs” for those who currently don’t have access to employer-sponsored plans. “We can make it easier still for people to save,” Iwry says, “and thereby get many more of our fellow citizens on a path to having adequate retirement security. Right now we’re not on that path. Too many people are just not saving enough.” Want to learn more? Visit www.myubiquity.com or call 855.401.7253, Option 3. Or visit us on social media: https://www.facebook.com/ubiquitysavings https://twitter.com/ubiquitysavings https://www.linkedin.com/company/ubiquity-retirement-savings/
Просмотров: 220195 Ubiquity
Illinois Pensions A Disaster
Effective immediately, 100 percent of the Illinois state budget must be allocated to pay pensions, leaving not a single dollar for schools, public safety services, road construction and maintenance — or anything else that is NOT a pension.
Просмотров: 22660 WealthSmart Solutions
State might look at teacher retirement plans in lame duck session
Michigan has a $51-billion problem brewing. That's how short the state's school employees retirement fund is and there's no agreement on how to fix it. Now some lawmakers are looking to push a fix through during the lame-duck session that started Tuesday. Christopher Lane tells us why opponents say moving school employees into a 401K-style plan will make it even harder to find new teachers.
Просмотров: 20 FOX 47 News
Buzz: Worst for retirement
(WTNH) -- If you're looking to retire, Connecticut isn't where you want to be, says TopRetirements.com, which put the state as its worst place to retire.
Просмотров: 85 WTNH News8
Plan to Dissolve Bankrupt State of Illinois
{Sorry about the sound} 6/22/2017 -Facing insurmountable pensions and special interest liabilities, the State of Illinois has not passed a state budget for the last several years and is in a financial crisis comparable to Venezuela. The State of Illinois has been required by a local court to pay every penny it has promised in pensions to state employees, in the form of annual payments, each of which now surpasses 100% of the state's total income........The Chicago Tribune on June 22, 2017 published a plan to formally dissolve the state of Illinois and break up the land to be divided among the surrounding, neighboring states of Kentucky, Missouri, Wisconsin, Iowa and Indiana, forming a new geographic Midwest. -~-~~-~~~-~~-~- Please watch: "World's 2nd Richest Man, Amazon CEO Jeff Bezos Taking Government Subsidies" https://www.youtube.com/watch?v=3QwQ8b6rNGc -~-~~-~~~-~~-~-
Просмотров: 32768 AW Media
Retirement Buzz USA - Pension Plans
Просмотров: 450 Alex Casmer
Choosing Your Retirement Date and General Medicare Information
This video will help you evaluate when to retire and when to collect your Social Security benefits. You will learn what documents are needed to file for Social Security, about applying online, and general information on Medicare, particularly useful to state employees who are not eligible for the NYS Health Insurance Program (NYSHIP). Please also view the NYSHIP videos on Medicare.
Просмотров: 187 GOERWebServices
How California Taxes Retirees
From a tax perspective, California, by and large, is not as punitive as one may think, especially for retirees. The state does NOT tax Social Security income. They have no estate or inheritance tax. And believe it or not, income tax rates are not considerable for average taxpayers. Yes, the wealthy, those making over $1mm will get hammered. But for the vast, vast majority of taxpayers CA tax rates are reasonably. Property taxes on a percentage basis of assessed value are actually low. The problem is that the median home value in CA is over 400k. So, while the percentage of value is low the actual dollar amount is quite high. Where CA really gets you though is in sales tax. Sales tax are HUGE in the Golden State. No getting around that. And if you smoke or drive a car that uses an internal combustion engine you pay through the nose. One thing you need to consider though is that CA DOES charge its own premature distribution penalty of 2.5% on IRAs, Qualified Retirement Plans and annuities. I haven't heard ANY state doing this. Just be careful if you're domiciled in CA and are going to use retirement funds to start a business! ================================= If you like what you see, a thumbs up helps A LOT. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOK: Strategic Money Planning: 8 Easy Ways To Put Your House In Order It's FREE if you're a Kindle Unlimited Subscriber! https://amzn.to/2wKGi50 GET ALL MY LATEST BLOGPOSTS: http://heritagewealthplanning.com/blog/ PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Просмотров: 186 Heritage Wealth Planning
Retired Covington firefighter: Pension cutbacks 'like a slap in the face'
Lawmakers in Kentucky are considering changes to the state's pension systems, among the worst-funded in the nation. A retired Covington firefighter says pension cutbacks for current retirees feels like "a slap in the face."
Просмотров: 922 WCPO.com | 9 On Your Side
Should I Draw Social Security At Age 62 or 66 or 70
If you've ever wondered, "Should I draw Social Security at age 62 or 66 or even age 70?" then here is one of the biggest factors you need to know about when it comes to the Social Security rules. To download the free e-report "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com/annuity-traps The difference between the best and worst Social Security claiming strategy can be over $100,000 of lifetime benefits. That's a lot of money on the table. So here is one important factor that affects your Social Security benefit. It has to do with your age. If your full retirement is 66 then here is how drawing early or later will affect your benefit. 62 - 75.0% 63 - 80.0% 64 - 86.7% 65 - 93.3% 66 - 100.0% 67 - 108.0% 68 - 116.0% 69 - 124.0% 70 - 132.0% It's important to know how your age affects your benefit. But there are also some subjective factors to consider as well. You may want to draw early if: - Willing to sacrifice higher income later, for lower income now - You can’t stand your job - You do not expect to live a long time - You are afraid Social Security will not be around in the future You may want to delay drawing Social Security until later if: - Willing to sacrifice present income for a larger income in the future - You have longevity in your family - You are still working - You want to maximize the benefits for your spouse after you are gone To download the free e-report "How To Avoid Annuity Traps" just click here: http://retirementplanningmadeeasy.com/annuity-traps Best of luck! Chris Hammond Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Просмотров: 135910 Retirement Planning Made Easy
Guide to Choosing an Allowance Option
Choosing a payment option at the time of retirement is one of the most important decisions you will make as this selection will affect your beneficiary's coverage when you pass away. During this webinar we will explain all of the options in detail and also provide some helpful points you should consider when selecting an option.
Просмотров: 10931 Maryland State Retirement
Defined benefit plans
Defined benefit Plans In addition to qualified and non-qualified plans, pension plans also can be divided into defined benefit plans and defined contribution plans. Defined benefit plans are the traditional pension plans usually offered by large, established companies or government employers. Defined contribution plans are newer creations and include 401(k) and 403(b) savings plans. How defined benefit plans work Under a defined benefit plan a company typically makes a promise to provide a certain benefit to employees when they retire. The benefit, defined in advance, usually depends on the employee's salary and the number of years of employment. For example, a company may promise to make payments of $40 per month times the number of years of service. Under this formula a person who retired after twenty years would receive $800 in monthly benefits. Notice the future benefit is defined in advance. Now it's up to the company to contribute enough money and manage the investments well enough to meet these promises. Why defined benefit plans are disappearing These defined benefit programs, however, are becoming increasingly rare. Because they promise a defined benefit, the employer is liable for keeping its promises. If the stock and bond markets perform poorly, the employer must chip more money into the plan to meet its obligations. Defined benefit programs are also expensive to manage. Because benefits are often promised for the life of the worker, defined benefit plans require complex actuarial calculations to ensure the benefits will be paid. Although defined benefit plans are losing their popularity, they still cover tens of millions of workers at large companies and government employers, so let's take a closer look at them. History of defined benefit programs and the PBGC Corporate pensions began to become popular in America in the 1930s and these retirement plans were almost exclusively defined benefit plans. These plans underwent a radical change in 1974 when Congress passed the Employee Retirement Income Security Act after the bankruptcy of a few large companies and the subsequent destruction of their pension plans. With the passage of ERISA, almost all large pension plans had to purchase insurance from a federally chartered corporation called the Pension Benefit Guaranty Corporation. If a company goes bankrupt and the pension plan is underfunded, the PBGC steps in and makes payments to the retirees. However the PBGC doesn't guarantee special early retirement or medical benefits given to retirees, and it doesn't cover defined benefit plans offered by employers with 25 or fewer employees. Check on your pension plan's health So you should be aware of your pension plan's viability. Your company is required to give you an annual summary statement disclosing the pension's health. Each year you should also get an individual benefit sheet which shows what you might get from the pension. Also, companies are required to send notices to employees if the pension funding is less than 90 percent of liabilities. You also can request to see IRS Form 5500, a detailed form which qualified pension plans must file. Public employee pensions Finally, if you're an employee of a state or local government, you may want to look into your pension plan's finances as well. There are about 9,000 public employee pension plans covering 16 million teachers, firemen and other state and local workers. Many of these people are in plans that are seriously underfunded. When Congress passed ERISA to force private employers to disclose information and otherwise protect their pension plans, Congress exempted state and local governments. Politicians have taken advantage of this to use pension plans as a convenient way of buying votes now, while pushing the liability off to future taxpayers. By promising pension increases today, politicians can avoid ugly strikes with powerful unions. When workers retire with increased benefits 20 years from now, the politicians responsible for this shell game will be long gone. This has lead to some seriously underfunded pension plans. Many midwest and New England states have funded only 60 percent of their pension liability. One of the worst offenders is the West Virginia Teachers' Retirement System. It recently had a liability of $3.7 billion, and yet had under $400 million in assets. Of course the worst offender is the federal government, which has an unfunded pension liability for it's workers of hundreds of billions of dollars. If you work for a government agency that has a seriously underfunded pension plan, you should save a little extra money on your own. You'll probably get some kind of pension, but it's doubtful that tomorrow's taxpayers will be willing to pay for untenable promises made by yesterday's politicians. You're lucky if you have a defined benefit plan Copyright 1997 by David Luhman http://moneyhop.com/scripts/retirement-planning/060-defined-benefit-plans
Просмотров: 2633 MoneyHop.com
The $76,111 Per Month Pension Man (Highest In The State)
RTD News keeps you up to date on what's happening around the globe. Thanks for watching this important update, "The $76,111 Per Month Pension Man (Highest In The State)". Download instantly a copy of the new eBook, "5 Reasons To Hold Precious Metals Before the Next Recession", to find out how to protect yourself before the next market crash. http://bit.ly/5ReasonsEbook Subscribe and share the RTD news updates so others can hear and learn... Here are today's articles mentioned in this news update: 1. 1 million Americans are counting on Congress to save their pensions http://money.cnn.com/2018/04/17/retirement/multiemployer-pension-committee/index.html 2. The Collapse of Public Pension Funds Is No Longer a Distant Prospect https://www.bloomberg.com/view/articles/2018-04-18/collapse-of-public-pension-funds-is-no-longer-a-distant-prospect 3. A $76,000 Monthly Pension: Why States and Cities Are Short on Cash https://www.nytimes.com/2018/04/14/business/pension-finance-oregon.html Connect with Rethinking the Dollar on Steemit, Facebook & Twitter for more articles here: Steemit - https://steemit.com/@rtd Twitter - https://twitter.com/RethinkinDollar Facebook - https://www.facebook.com/rtdworldnews If you would like to support Rethinking the Dollar channel please consider donating the cost of 4 grams of silver ($2) or more here: http://www.rethinkingthedollar.com/donate/ Purchase a 10oz. Proclaim Liberty Silver Bar from SDBullion at dealer cost & support the RTD YouTube channel: https://sdbullion.com/rtd *********** RTD UNIVERSITY *********** A new monetary paradigm starts by visiting the RTD University website. Choose from over 30+ hours of monetary and financial interviews from experts that will help you think beyond the pending dollar demise - http://bit.ly/RTD_University DISCLAIMER: The financial and political opinions expressed in this interview are those of the guest and not necessarily of "Rethinking the Dollar". Opinions expressed in this video should not be relied on for making investment decisions and do not constitute personalized investment advice. The information shared is for the sole purpose of education.
Просмотров: 2063 Rethinking The Dollar
Why becoming a sanctuary state is bad for California
California officially becomes a 'sanctuary state,' as bill that Gov. Jerry Brown signed into law goes into effect. #Tucker
Просмотров: 42595 Fox News
Planning to Retire?
What You Need to Know About Your Health Benefits For State, UW and Local Participants
What Types of Service Are Creditable in My Retirement System Membership?
Learn what can be included in your service credit - one of the most important pieces of data used in the calculation of your NYS pension.
Просмотров: 2999 GOERWebServices
Your Money Matters - Retirement Planning Radio Show - 10 Financial Mistakes
On this week's Your Money Matters radio show Christy Smith and Matt Kennedy discuss the 10 worst financial mistakes people make during retirement and what you can do to avoid them. They speak with Jill Schlesinger of CBS MoneyWatch and discuss the markets and the current state of the economy.
Просмотров: 251 The Presley Group - Retirement Planning
Knowledge is Power! Retirement 101 and the Power of Idaho's Savings Plans
The goal of the “Knowledge is Power!” presentation is to educate government employees on how to prepare for and live in retirement. Greg will be discussing the big picture of retirement income sources and how the State 457 Plan fits in with the Persi Pension, the Persi 401k, and Social Security. He will also be discussing features on the plan including the new Roth Account, the $100 starting bonus, and free income planning tools that are available to all government employees. After the webinar you should have a better understanding on how to utilize your government savings plans for a comfortable retirement.
Просмотров: 112 IDCounties
Brett Kavanaugh: Last Week Tonight with John Oliver (HBO)
John Oliver discusses the ongoing controversy surrounding Brett Kavanaugh, the sexual assault allegations against him, his Supreme Court nomination, and what that could all mean for the highest (mostly-dog) court in the land. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Просмотров: 8854426 LastWeekTonight
Review of History and Current Status of ERS Pension Plan
Presented by Shack Nail, Director of Governmental Relations Employees Retirement System of Texas and Ryan Falls, Director, Retirement Buck Consultants
Просмотров: 1028 ERSofTexas
Top 10 Best Places to Live in Georgia (USA) For 2018
Top 10 Best Places to Live in Georgia (USA) For 2018. ============= ► Subscribe for latest video ! ► https://goo.gl/lOasu9 ► Follow me on Twitter: https://goo.gl/srKHao ► Facebook: https://goo.gl/yB9XvG ============= Georgia is the 24th largest and the 8th most populous of the 50 United States. From 2007 to 2008, 14 of Georgia's counties ranked among the nation's 100 fastest-growing, second only to Texas. Georgia is known as the Peach State and the Empire State of the South. Atlanta is the state's capital and its most populous city. Georgia is known for many things: beautiful old houses, a rich history, Southern charm, and, of course, some of the most welcoming and unique cities in the country. The Peach State has nearly 50 state parks and pro sports like the Atlanta Braves, Falcons and Hawks. Home to 1,700 internationally headquartered facilities representing 43 countries, Georgia has a variety of industries such as textiles, mining, agriculture and technology. Here are the 10 best places to live in Georgia: 1. Atlanta. 2. Augusta. 3. Duluth. 4. Marietta. 5. Decatur. 6. Alpharetta. 7. Johns Creek. 8. Roswell. 9. Peachtree City. 10. Milton. Thanks for watching this video. I hope it's useful for you. (This article is an opinion based on facts and is meant as infotainment) ============= This video is fair use under U.S. copyright law because it is noncommercial and transformative in nature, uses no more of the original than necessary, and has no negative effect on the market for the original work. Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use." I DO NOT OWN ANY COPYRIGHTS. All rights goes to their respective owners, No copyright infringement intended. If you have any issue with the content used in my channel or you find something that belongs to you, please SEND ME A MESSAGE and i will DELETE it if you want. Thanks for understanding. ►Business email: truthseekerdailys@gmail.com
Просмотров: 321131 Around The World
Maximize Retirement Plan Benefits and Tax Savings by Paul Turner Pension Actuary
For business owners and professionals who are paying too much income tax and, either don't have a retirement plan, or are not fully using their current plan options.
Просмотров: 297 Jim Pedigo
Kentucky seeks big pension changes to stem tide of red ink
Most of Kentucky’s future public employees would not get guaranteed pension payments under a deal announced Wednesday by the state’s Republican leaders who are trying to salvage one of the worst-funded public retirement systems in the country.
Просмотров: 64 WCPO.com | 9 On Your Side
PERA retirement pension problem
Executive Director of the New Mexico Public Employee Retirement Assocation (PERA) Terry Slattery and state Rep. Don Bratton (R-Lea) talk about the PERA board's recommendations to help shore up the pension plan's overall solvency. From 11/30/10.
Просмотров: 204 Rob Nikolewski
Capitol Report: Assessing the Health of Minnesota's Pensions
The Legislative Commission on Pensions and Retirement is charged with overseeing the operational and financial conditions of the statewide public pension funds. Governor Dayton’s veto of the 2017 omnibus pension bill, increases in life-expectancy, the wave of retiring baby-boomers and alternative accounting measures have produced some provocative headlines questioning the health of Minnesota’s pension plans. The current chair of the Pensions Commission, Senator Julie Rosen, R-Vernon Center, and the former chair, Senator Sandra Pappas, DFL-St. Paul, join Capitol Report moderator Shannon Loehrke to assess the ongoing health of the state pension and defined contribution plans serving state, county, municipal, school district and other public employees in Minnesota. The iconic golden horses atop the Minnesota State Capitol represent the aspirations of the state at the turn of the 20th Century. Brian Pease of the Minnesota Historical Society explains the significance of the sculpture and the ongoing efforts to maintain it.
Просмотров: 109 Minnesota Senate Media Services
Policies that Lead to Illinois' Pension Disaster
From the City Club of Chicago: Illinois' pensions are often cited as the worst funded in the nation. But how did this happen, and what can be done to change it? We hear a panel share their insights into the policies that lead to over $115 Billion in unfunded liabilities in state pensions.
Просмотров: 983 IllinoisChannelTV
Retirement crisis: Fact or fiction? | IN 60 SECONDS
Is there a retirement crisis due to inadequate retirement savings? AEI's Andrew Biggs offers his take. ARTICLE – 401(k) fears largely overblown regarding GOP tax plan https://goo.gl/rRSdyz ARTICLE – Changing 401(k)s could have improved retirement security, but Trump and Republicans didn’t sell it that way https://goo.gl/df5Nha Subscribe to AEI's YouTube Channel https://www.youtube.com/user/AEIVideos?sub_confirmation=1 Like us on Facebook https://www.facebook.com/AEIonline Follow us on Twitter https://twitter.com/AEI For more information http://www.aei.org Photo credits: Twenty20 Reuters BY – Keith Williamson https://goo.gl/6e2j7o BY - Andy Halsall https://goo.gl/5uPMvu Photos marked "BY" are used under Creative Commons Attribution License: https://creativecommons.org/licenses/by/2.0/ Music credit: "Mint Chocalte 2a" by Vibe Mountain – Provided by YouTube Audio Library Third-party photos, graphics, and video clips in this video may have been cropped or reframed. Music in this video may have been recut from its original arrangement and timing. In the event this video uses Creative Commons assets: If not noted in the description, titles for Creative Commons assets used in this video can be found at the link provided after each asset. The use of third-party photos, graphics, video clips, and/or music in this video does not constitute an endorsement from the artists and producers licensing those materials. AEI operates independently of any political party and does not take institutional positions on any issues. AEI scholars, fellows, and their guests frequently take positions on policy and other issues. When they do, they speak for themselves and not for AEI or its trustees or other scholars or employees. More information on AEI research integrity can be found here: http://www.aei.org/about/ #aei #news #politics #government #education #economy #economics #401k
Просмотров: 33397 American Enterprise Institute
State plan would eliminate military pension tax
Gov. Paul LePage's plan to remove the state tax on Maine military veterans’ pension appears to have bipartisan support from legislators. Subscribe to WMTW on YouTube now for more: http://bit.ly/1lLKmoE Get more Portland news: http://www.wmtw.com/ Like us: http://www.facebook.com/wmtwtv Follow us: http://twitter.com/WMTWTV Google+: http://plus.google.com/+WMTWNews8
Просмотров: 40 WMTW-TV
37 States That Won't Tax Your Social Security Benefits
Only 13 states will levy taxes on your monthly Social Security checks. Learn more here: http://bit.ly/2xt6Rfl
Просмотров: 4243 Kiplinger
Family Separation: Last Week Tonight with John Oliver (HBO)
John Oliver discusses the disturbing policy that separated migrant families detained at our southern border, and the disturbingly real chance that it could happen again. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Просмотров: 3171013 LastWeekTonight
How Socialism Ruined My Country
Is Bernie Sanders right? Are people living under socialism better off? Brazil is a good case study. Felipe Moura Brasil, a journalist and Veja magazine columnist, explains how his country has fared under socialism. Donate today to PragerU! http://l.prageru.com/2ylo1Yt Watch the Portuguese version: https://youtu.be/SbYlUhLHrTU Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: Many American millennials seem to be drawn to socialism. They came out in big numbers for Bernie Sanders in the 2016 presidential primaries. They rail against capitalism on their college campuses. They wear Che Guevara t-shirts to signal their socialist virtue. I know a lot about socialism. I live in Rio de Janeiro, and I work throughout Brazil as a journalist for a popular magazine. In the early 2000s, Brazil’s economy was growing rapidly. The government had enacted economic and monetary reforms and divested holdings in some state-run companies, giving the private sector more room to breathe. Inflation—a chronic problem in Brazil—was dramatically reduced. Foreign investors poured into the country, eager to catch a portion of our expanding economy. The future seemed promising. But today, our economy is in shambles, unemployment and debt are massive, and powerful politicians are being investigated for involvement in the largest scandals of fraud and corruption in the country's history. What happened? In 2002, a socialist politician named Lula da Silva ran for the presidency. He was a socialist, but painted himself as a modern, cool kind of socialist. He would be the politician who would heal national divisions and unite everyone. He even had a nickname: “Lulinha paz e amor,” which means "Little Lula peace and love" in Portuguese. But the old message about the need for income redistribution to decrease inequality was still there. The media, academic elite and celebrities assured Brazilians that by transferring the money from the rich to the poor, the poor could finally be richer. But the only ones who really got rich were Lula and his corporate and political friends. It only got worse under his successor, Dilma Rousseff. The socialists increased government spending, deficits, and debt. They called it a “stimulus.” They increased the minimum wage and the benefits of social programs. They called it “social justice.” They increased the salaries and retirement benefits of the civil service. They called it “investing in the future.” They handed out thousands of jobs in the government and state-owned companies as favors to their political allies. And they called it “good governance.” It worked for a while. Socialism always works at the beginning. But government spending just kept going up, and then Lula’s socialist paradise fell apart and the economy fell with it. The outcome: from 2008 to 2015, government spending grew nearly four times as fast as tax revenue. The economy shrank 3.8 percent in 2015, the worst result in 25 years. That same year, a World Bank survey found Brazil’s economy to be one of the world’s worst. Out of 189 countries, we were the 16th hardest place to open a business, the 60th most difficult nation in which to register property, and the 12th most complex place to pay taxes. Economically and morally, the almost 15 years of socialist policies have greatly harmed Brazil. We also remain among the world's leaders in murder and robbery, and we rank near the bottom of industrialized nations in terms of education and health care. For the complete script, visit https://www.prageru.com/videos/how-socialism-ruined-my-country
Просмотров: 2600499 PragerU
Eminem Hilarious Interview with Stephen Colbert on Only In Monroe
Stephen Colbert just interviewed Eminem on a public access cable show in Monroe, Michigan I'm going to be honest with you: I don't know what to say here. I almost didn't believe this video was real, except that it's hosted on an official YouTube account (albeit unlisted and somehow found by this Michigan Redditer). So let's set the stage here. At some point very recently, future CBS Late Show host Stephen Colbert filled in as host of Only in Monroe, an actual public access cable television talk show in Monroe, Michigan (population just over 20,000). It's a full show, too, at over 40 minutes long, titled "July 2015." Only in Monroe, as hosted by Colbert (who ends up interviewing the actual hosts early in the show), is a absurdist blend of public access aesthetic and Colbert witticism, complete with Colbert Report style interstitials that'd fit in as a "Better Earn a District" segment — there are even short pauses after jokes for an audience that isn't in studio. This isn't some haphazard effort; the jokes and research are clearly there, and much of the joy in watching this lies in the earnestness of Colbert. The major guest tonight? "A local Michigander who is making a name for himself in the competitive world of music," aka Marshall Mathers aka Eminem, who just upstaged his own Zane Lowe interview by appearing on public access and being cajoled into humming some Bob Seger tunes. Here's the most important Eminem quote without context: "Carpentry sounds like it could be good." Colbert's Late Show doesn't begin until September 8th — without beard, with Jon Batiste — and I really hope this experimental streak of teasers is some indication of Colbert and team's plans to experiment with an otherwise staid late night format.
Просмотров: 3936437 FilmStudioHD
Can Imran Khan save Pakistan's crumbling economy?
Pakistan's economy survives on bailout packages from global organisations like the IMF and World Bank, and allies like China and the US. PTI's chief Imran Khan, who is about to secure power from the previous government, now has an uphill task ahead to bring back the country's economy on the path to recovery. Watch BusinessToday.In video on the challenges that Imran Khan will face when he assumes office. ---------------------- About the Channel: Watch Business Today videos to get the latest news on Business, stock market, sensex - BSE India, NSE India, personal finance, gold prices, petrol prices and more. Also, get an insight into the dealings of the top companies in India from Business Today's award-winning journalists. Get up to date with all investment options (Mutual Funds, SIPs, Debt, Equity, Insurance, Home Loans, Pension Schemes, Retirement Plans) from our Money Today team. Also, watch interviews of top CEOs. Regular shows to watch out: The Good The Bad and The Ugly with BusinessToday.in Editor Rajeev Dubey to know the top stories of the day specially curated from the world of business and economy. Watch Inside India's Factories to find out how different products get manufactured and processed for final consumption. You can follow us at: Website: https://www.businesstoday.in Facebook: https://www.facebook.com/BusinessToday Twitter: https://twitter.com/BT_India Google Plus: https://plus.google.com/+businesstoday
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What are the TSP Withdrawal Options?
Do you know your options for withdrawal from the Thrift Savings Plan? You may be surprised to hear, but you are allowed only one partial and one full withdrawal. Link to TSP Article Discussed: https://www.tsp.gov/planparticipation/withdrawals/withdrawingAccount.shtml -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
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