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How to Retire in 9 Years Starting With ZERO (A 5-Step Guide)
Jason 0 Comments Career after Retirement Retire Wealthy
are you over the age of 50 with no plan in sight for your retirement don't worry there's still hope it's never too late to get started hey guys welcome back to the channel in today's video we're going to teach you some tips on how to plan for your retirement even if you are starting late in life first of all you need to know that retirement is freedom which means that when you retire you should be able to do whatever you want whether to travel to your favorite destinations spend more time with your family or work on your own projects so let me take you through the steps of your journey to financial freedom first step is to cut your expenses write down all your monthly expenses think of your main fundamental expenses as your running cost as if you're running a company things like rent builds groceries internet so you can watch more of our videos and car payment remember that you could always find cheaper alternatives for some of your main expenses for example you could always move to a cheaper house and save on your rent or if you have a rental car you could rent a cheaper car that also matches your needs the key here is not to minimize your quality of life but to minimize the amount you spend on that quality now write down the other expenses that you could survive without this might differ from one person to another it could be your netflix or amazon prime subscription or it could be the designer clothes that you usually buy these are the items that you could totally scratch from your expenses the more you cut the more you save and in the fifth step i'm going to tell you how we are going to use all this extra money to get you even more money always remember that it's not about how much you earn is what you keep you could be earning much more than others but you're also spending much more than they do keep monitoring your expenses you can do this through a simple written list or even through apps such as zoho expense or expense point second step is to set your expectations remember when we said in the beginning of our video that retirement is freedom well you need to think of your freedom figure which is basically the amount of money you expect per year after your retirement now multiply this number by 25 i'm sure you will get a crazy seven figure number this is going to be your goal i bet you're thinking now that it's impossible but please don't close the video yet because in the last two steps i'm going to show you how you can make this possible you need to lower your expectations for the time being in order to get those results in the future it's a match a fight if you will wealth versus cash flow set your own goals for now and for the future not based on what you see around you or on social media it doesn't have to be a 25 million dollar mansion in beverly hills a huge yacht and a supercar but that doesn't mean you shouldn't be enjoying your retirement it's about being realistic and aware of your situation what you can achieve in the future third step is to consider working longer now i know what you must be thinking i'm watching this video to know how to retire early but bear with me you may retire by the age of 60 or even 65.
But if you retire by the age of 70 you are increasing your social security check to nearly double plus there's also more money going into your 401k what's 401k oh you didn't know well i will explain this in the next step if you can't bear the thought of staying at your current job any longer than you need to then you should look into quitting your current job and finding another one something that you will enjoy more you you'll be surprised at the amount of companies that are currently looking for workers with experience be aware of your physical health keep up with your regular medical check-ups eat healthfully do any form of physical exercise could be something as small as taking a relaxing walk every day all this keeps you energetic so that you may continue working at the top of your game fourth step is to open an investment account this account could be funded by the money you save as a result of cutting expenses remember step one or you could open a 401k account if you don't already have one a 401k plan is a company sponsored retirement account where employers can contribute their income and employers usually match contributions up to a certain amount there are two basic types of 401ks traditionally and roth which differ primarily in how they're taxed with a traditional 401k employee contributions are pre-tax meaning they've reduced taxable income ban withdrawals are taxed during retirement employee contributions to rough 401ks are made with after tax income there's no tax deduction in the contribution year but withdrawals are tax-free so if you don't have a 401k yet what are you waiting for start one and make use of all this non-taxable income now it's time to invest your money which takes us to the last step the fifth and last step is to increase your income well you can always ask for a raise in your current job if the thought of asking for more pay sounds daunting then you can try looking for a new job with a better salary which may not be as challenging as you think there are many ways to promote your skills and experience to other companies you can upload your resume to sites such as indeed.com or linkedin.com let the companies come to you but there is an even easier way to increase your income through a side hustle one of the easiest ways to do so is through creating an amazon individual seller account it's free to create but you need to pay a commission of 99 cents for every sale that you make on amazon not intrigued yet hear this according to a recent survey of amazon sellers twenty percent make between one thousand dollars and five thousand dollars per month which i believe is great for a side hustle or even a decent second income you can even sell your own private label products on amazon around 67 percent of all amazon sellers run their business using the private label method private labeling is a process of manufacturing a pre-existing item preferably with product improvements putting your branding and logos on it and selling it to consumers sometimes it is referred to as wide labeling or brand creation the process has been around for years and is common in countless retail stores targets mainstays brand and walmart's great value are two examples of private label brands your site hustle could also be building websites or content writing there are millions of ways to start a site hustle it's all based on the set of tools that you possess be sure to check out my videos covering this topic and i'll post a link in the description below and remember you can always learn a new skill and this skill could be your next source of income so never stop learning another way to increase your income is by creating a passive income stream passive means you don't actually need to actively trade your time for money you are basically making money while you sleep there are three ways to earn passive income stock markets you don't need to call a local broker anymore there are plenty of applications that you can use to trade stocks that's what makes it the easiest way to gain passive income i'll post some links in the description below for some of my favorite exchanges that i use to trade stocks and crypto cryptocurrency is part of the new modern era with many ways for you to earn passively if you are willing to accept its high risk prices of cryptocurrencies including bitcoin have been falling in 2022 amid a worldwide crypto price crash this could also mark a perfect opportunity to buy with prices being so low check out this video i made where i go over the top five cryptos that billionaire kevin o'leary from shark tank is currently investing in but remember be wise when investing in crypto never put in more than you are willing to lose other options include real estate it's harder to get into it as you need to save up enough to pay for a down payment once purchase you can then get a tenant to rent out the house which will cover payments on the mortgage and hopefully a bit more use any cash flow to pay down the principal faster after a few years you will have paid off the house and can now enjoy some free cash flow from your rental property the earlier you start doing this the sooner you can pay off the mortgage debt now that we have been through each of the five steps of your journey to freedom keep this in mind your life is not going to change unless you take the initiative a nine to five job alone is not enough to build wealth have faith in yourself have faith in your abilities you're not alone in this situation and if other people can do it so can you improve your physical and mental health this will keep you more focused and energetic to work on your goals and it saves you from spending a lot of money down the road on treatment and medications this is it for me today i hope this video has given you as much hope as it did to me don't forget to hit the like button and subscribe to our channel watch our previous videos you never know what piece of information could change your life
Read MoreTop 5 Wealth Killers Only 1% of Rich People Know
Jason 0 Comments Retire Wealthy
Virtually 6 in 10 Americans don'' t have. sufficient cost savings to cover a $500 or $1,000 unplanned expense. That’s definitely.
horrible because if something fails, you will certainly need to take unneeded lendings.
or, god forbid, pay a bank card passion. They might rise 20 and even 30 percent..
You have to be a moron to pay that much rate of interest. What else can you.
do if you have nothing else option.
Even those who actually.
conserve some cash apparently said they don'' t have much in their financial savings account. Certainly, cost savings went considerably higher during the pandemic age because we were compelled.
to remain at home and also collect stimulation checks yet that’s currently hunting us down with the greatest.
Regardless of the fed'' s best efforts to keep increasing prices, that hasn'' t helped.
never ever recognize that considering that we don'' t have a machine that can take us to a different truth. When virtually 60 percent of the population says that they have less than a thousand.
dollars in their interest-bearing account, you recognize that we have a problem because a thousand.
bucks is probably not enough to cover the rent. What occurs if you get ill, enter into an.
mishap, or obtain discharged? What do you do? I obtain, its hard to save when.
we are bordered by so many things pushing us to spend.Even before
the video clip.
begun, you probably saw an ad that called you to visit their website and also spend some cash. Let me make clear something, spending cash isn'' t bad. There is absolutely nothing wrong with getting things you.
requirement or want. At the end of the day, what’s the point of generating income at the end of the day. On.
top of that, spending is what drives the economic situation forward. Without enough costs, we will certainly have.
depreciation that will reduce economic growth. What I see often takes place is that People typically.
grumble that they can'' t conserve due to the fact that they need to cover their standard costs yet wind up acquiring.
5-dollar coffee as well as avocado salute every early morning. Once again, there is absolutely nothing poor keeping that, as long.
as you are saving an excellent dimension of your paycheck.I don’t truly support the suggestion of saving every. penny feasible since life isn ' t practically conserving money. It'' s concerning experiences. And also component. of that is having a good time with friends and spending cash. If you are at the start.
of your journey, you can'' t manage to spend every cent you gain. You need to construct that.
funding that will certainly deal with your part of you. The issue is that there are few riches.
awesomes that drain your budget plan one of the most. If you can get rid of them, you will certainly be able.
to conserve a ton of money as well as develop that lot of money. If you prepare, give this video a thumbs.
up, as well as let'' s start with the initial one. Vehicle. If you have actually ever possessed an auto, you most likely recognize just how expensive it is to.
have a car.In truth, a lot of people that drive don'' t recognize exactly just how much their cars and truck costs. The average monthly payment on a brand-new car was $575 in 2020. That'' s much from the real cost of.
possessing a cars and truck. Which’s back in 2020. It’s far more than that given that there is a lack of.
chips and also high rising cost of living. Which’s simply your regular monthly repayments without taking into account.
insurance, gas, and particularly upkeep. What I also realized when I got my very first auto was.
how commonly I started to drive.I began driving anywhere, also when it wasn ' t essential. Gas is not inexpensive, specifically now, and also being embeded traffic daily can.
cost a lot of money. However if you have a household, certainly owning a car makes good sense, specifically.
when public transportation is not a choice. But if you are solitary, for god'' s purpose, save that.
You will thank me later on.
as an example. A fortune! 20 bucks here or 30 bucks there don’t appear like a lot, yet if you include it.
up throughout a month, it will add up. According to the Bureau of Labor Data,.
Americans invest regarding 1 percent of their gross yearly revenue on alcohol.For the average. household, that’s$ 565 a year, $5,650 in one decade, or a whopping $22,600 over a 40-year duration. That.
doesn’t appear much. However do not be tricked by this number. It takes right into account all Americans,.
consisting of those who don’t drink and those who consume once to twice a year. If you just.
take into account those who consume alcohol routinely, that number would certainly be much greater. A couple of hundred.
bucks a month is normal for regular drinkers. The same goes for cigarette smoking, gaming, and various other bad.
routines. The ordinary price of a pack of cigarettes is $6.28, which means a pack-a-day routine sets.
you back $188 per month or $2,292 per year. These numbers could not tighten you, however if.
you also count the opportunity price, you will possibly do away with these behaviors right away. If you toss that 2292 bucks yearly right into an index fund with a 7 percent return,.
with the power of compound rate of interest, you can expect to have $365,883 in 40 years. Add to that the medical expenses that you will certainly get as a result of your bad habit, as well as.
you might as well declare bankruptcy. 3.
Spending money on impressing individuals Back when I remained in institution, my self-confidence was.
really reduced since I was doing badly in college, yet as social animals, we want to be appreciated.
by the people around us. We want to be valued because we have so lots of insecurities..
As well as often, when we put on'' t understand how to fix these insecurities, so we spend cash.
to show everybody that we are comparable to them. Why do you think people acquire.
Rolex watches. Allow'' s be honest, a Rolex watch is actually solving one issue,.
which is informing the moment, but even Rolex holders typically utilize their phones to have a look at the.
time.But people still spend loads of hundreds of bucks on them due to the fact that they have effectively.
branded themselves as a deluxe brand that is used by well-known and also effective individuals. We buy them.
to send out a message to people that – look men, I make a great deal of money. I can afford a Rolex. Most.
individuals acquire that type of watch to impress people, which is not a problem if you can quickly pay for.
that. However if you can barely afford a Mercedes as well as still decide to get it, you have just.
tossed yourself into a massive financial trouble. 4. Paying high-interest prices. Bank card are great. It'' s possibly the best. means to build your credit report and also preserve it. It is extremely essential due to the fact that it will.
aid you to obtain finances and lower interest. Here is when things obtain awful. When you use.
a credit score card to pay for things you can not afford, what winds up happening is that, you.
will not be able to cover your credit scores card debt at the end of the month.
They might go as high as 20 or 30 percent. 41 percent of credit rating card customers reported that
they are failing to pay their. 5.
There will. constantly be a woman around you who will attract you, as well as if you can not control yourself, you are.
screwed. The world is filled up with them, but what ' s additionally particular is that your time and.
sources are restricted. Even if you have 100 million bucks, it is very easy to spend that.
cash on a lady in a glance of an eye. What ' s more vital than money is time, the. time you might invest building your'company, side rush, or whatever will certainly produce
. actual wealth.Unless you discover just how to regulate your desire to go after females, you will. never get to financial freedom due to the fact that there will constantly be a lady on whom you.
Thanks for.
Retirement Planning Webinar – 19 October 2021 | Australian Catholic Superannuation
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
When you ' re young, that ' s why you probably wear ' t assume about placing a whole lot of money into very cuz well, I can ' t touch it for 20, 30 years yet as you ' re coming close to that 60 barrier, well, you ' ve obtained the downside of accessibility is going or gone Um so, you ' ve got all the upside of utilizing Supra as a tax vehicle.Lovely. There is a whole lot of adaptability that you can look at when you ' ve reached a particular age.And I mean Tom that ' s where I kind of like till individuals will look this is where you need to have a look at the options that you ' re offered. or if you ' re retired you can access super tax obligation cost-free as lump sums or a revenue stream as Paul ' s currently mentioned.And then once more 65 is a key age where if you ' re still functioning complete time that ' s where you ' ve got complete access to your very like a bank account.
Don ' t feeling because well you ' re investing even more than the comfortable lifestyle that you ' re doing anything incorrect. When you ' re young, that ' s why you probably put on ' t assume about putting a whole lot of cash into very cuz well, I can ' t touch it for 20, 30 years but as you ' re approaching that 60 barrier, well, you ' ve got the downside of access is going or gone Um so, you ' ve got all the upside of making use of Supra as a tax obligation vehicle.Lovely. There is a lot of flexibility that you can look at when you ' ve got to a specific age.And I intend Tom that ' s where I sort of like till people will certainly look this is where you need to have an appearance at the options that you ' re offered. Um or if you ' re retired you can access extremely tax complimentary as lump sums or an earnings stream as Paul ' s currently mentioned.And after that once again 65 is a key age where if you ' re still working full time that ' s where you ' ve obtained complete accessibility to your extremely like a bank account. Um can you explain the tax if you ' re accessing your super at fifty-9 after that let ' s state that there ' s just an account balance of claim a 00 000 bucks.And to have actually met customers who back in the early 90s when you can actually access incredibly cuz there there wasn'' t preservation regulations on particular amounts of extremely that'they ' ve taken cash out.And that would count in the direction of any type of threshold. So the tax office in fact keep a running total amount of how much you'' d in fact gain access to from superannuation under the age of 60. Yeah many thanks for that To Thanks for your question, Terrence. I mean why so we'' ve looked at'the vehicle. We ' ve looked at the fast what you require to base it on. I mean the fast concern is is that well, exist still advantages in income giving up and I describe to people is is that well, when you contribute on a salary sacrifice basis, the money as opposed to obtaining taxed at your marginal rate, get sent out to your superannuation fund and tax obligation to simply 15 percent. Now, you can see slide below that the typical taxpayer that gains a buck over 45 strange thousand bucks obtains tired at thirty-two and also a half cents in the buck for each dollar over that forty-five thousand buck limit. You can see there that all those bucks that you'' re making if you bypass them and put them into your superannuation fund instead of obtaining exhausted in your hand at 32 as well as a half cents in the dollar.You ' re
obtaining them sent out to your superannuation and also only exhausted at fifteen cent in the buck. There can possibly be some considerable tax cost savings. Salary sacrifice is still an extremely essential amount. Um or a an essential benefit. We simply require to make sure that it matches you. I'' ve never ever fulfilled any individual that wishes to pay more tax obligation than they should. Um as well as I suppose the one point that if you you need to evaluate just how much earnings that you'' ll be obtaining this fiscal year. Cuz as you can see that people wear'' t pay tax obligation. Anything under eighteen thousand two hundred dollars. So it requires to be something that you require to examine year in year out.So, Tom, I would certainly envision that there are people caught in the catch that oh well, I'' m retiring or you know, I'' m uncoupling that wage sacrifice not being could not be proper for them. That'' s. You constantly have to consider the individual circumstance. So, as you can see, if you'' re gross income'' s low anyhow, you put on'' t wan na be paying a a flat tax of 15 percent on cash that you would certainly have got free of tax cash since your low tax obligation price is absolutely no. Um just returning to that though if you are around in 40 over 45, 000. The instance I constantly provide Paul is that well if every for a 00 bucks over 45, 000 if you had that as cash it'' s really 65 as well as a half dollars after the Medicare Levy cuz they take an additional 2%. You can have 65 as well as a half dollars money in hand. To go and also spend, conserve, as well as pay for financial debt. Do what you desire with. Or if you state well placed that $1hundred right into super due to the fact that they only take 15% tax where you'' ve obtained $85 in your incredibly fund. Now the between the two.If you consider it as a portion, it'' s actually a 30 percent distinction. There'' s, as well as that ' s a guaranteed simply since of the tax distinctions. Once more, the catch is, well, that$85 that you'put in the extremely fund, you can ' t touch it up until you ' ve fulfilled that condition of release. Um, as well as so, that ' s where you have to think, well, if you want to, if you desire to conserve for your retired life do, can you afford to minimize your take home pay? Yet then there are strategies, which I believe we ' re gon na talk about, in a pair of slides regarding whether you can actually, if you are over sixty, access very free of tax as an earnings stream.So then that allows individuals to be able to take advantage of this tax advantage with wage sacrifice and also still keep the same level of revenue on the whole. So it'' s certainly a a really usual approach that we consider. Yeah wonderful. Many thanks Tom. Completely your instances. Got ta love them. I intend the following thing is is that well fine there'' s such a wonderful tax obligation financial savings that I obtain from it.Why wear'' t I do a substantial quantity? Well regrettably government has actually assumed concerning that. Um as well as they'' ve put restrictions in. We chatted concerning concessional payments right here. So as concessional contributions are your company'' s sustain. So currently 10 percent. Your your vendor, your employer has to put in 10%. Since they might put in an added contribution as an outcome of a commercial contract. You require to talk with your company concerning that. If you include in wage sacrifice they are all thought about under concessional contribution contributions or their all considered as concessional contributions. As well as the restriction this economic year from one July is 27 and a half thousand. So it'' s gone up a bit. So it gives us the choice of making certain that we can income compromise a bit. Currently, undoubtedly, there'' s extra bring forward provisions. There'' s additional tax, there ' s some couple of problems on it. So, I would certainly suggest individuals examine however basically, if your employer is putting in $10, 000 a year into superannuation as SG employer contributions.Well after that you ' re
entrusted 17 and a half thousand bucks to salary sacrificed if it ' s proper for you. To make sure that ' s just how the the limit functions. So Tom I would certainly visualize that you ' d have a lot of individuals attempting to rise to cuz'we ' ve spoken regarding the tax savings that you can obtain. Think of there ' d be a whole lot of individuals attempting to obtain right up close to this limit.Yeah well as as we ' ve currently chatted regarding it ' s an ensured return on
your cash. So if you are in those greater tax obligation braces as well as you can afford to have actually minimized take home pay. Um after that most definitely it ' s among the main means that you can develop retired life savings as a guaranteed return through'the tax obligation system. So simply going back to what is extremely. All incredibly is is a tax obligation car. Um just another type of a short instance is I frequently see customers that could concern me maybe in their 50s and also they ' ve been concentrating on financial obligation, financial obligation debt, financial obligation financial obligation, financial debt, financial obligation. They wan na pay down the debt. Um which is undoubtedly a good idea to do since we all wan na be financial debt totally free by the time we retire. Due to the fact that passion rates are so low, then they haven ' t concentrated on, well, maybe accumulating a little bit of extremely as well and also benefiting from these tax obligation benefits. So, I commonly see customers that could come to me once they have actually paid down the financial obligation, then, they have all this surplus cash money flow which they can take into super but their problem is they can ' t obtain it into extremely tax obligation properly because of these limits.So, definitely intending and exactly how you do it to capitalize on these restrictions cuz as we understand government can change these restrictions as they have done in the past. Um I imply they they ' ve sort of established some rules in place yet you you never ever know if they are gon na transform how these limits are are tired or what the real limits are. Lovely. Thanks for that. I'expect that ' s talking about concessional payments which is company income sacrifice. There ' s a limit there. Great deal of individuals believe well that ' s it.Okay however we ' ve obtained ta allow individuals'understand that there is what we call non-concessional payments. Now I ' ll shot and obtain this one around properly time. Cuz I mean this is spare cash money that you
' ve got resting there. Maybe a an after tax reduction from your income. You might have won lotto. Um or you ' ve might have entered an inheritance. These are funds that you ' re allowed to top'approximately your account to boost your account. Currently there are limits on those amounts too. Under 67 you can place in a hundred 000 a year. You can also place in 2 various other'years or advance to various other years to ensure that you can set up 330. Remembering this is partners. Each can do this. So we ' re discussing large amounts right here that can still be taken into incredibly. So that 3 years worth may be available in benefit if you if you ' ve won Lottery Big. And also if you do ideally you ' ll offer me a telephone call as well. Or call into our Brisbane workplace and provide us a cake Tom.Um I expect once you obtain between the ages of sixty-seven as well as 74 the door somewhat begins to close on you. Um for you'to be to contribute to incredibly you need to meet a job examination. And the job test is 40 hrs over a 30 successive day duration. You need to fulfill that test every year to be able to make that payment of as much as $110, 000 of non-concessional payments. Essentially as soon as you hit 75 years of age the door ' s closed.Um for non-concessional contributions. You you can ' t place any kind of a lot more in. As opposed Tom it comes down to if there ' s a sale a financial investment building or a sale of an additional house. Um you ' ve really got ta
begin considering the timing of what you need to do to obtain this into incredibly. 100 %Paul yeah. That again that ' s what we speak about commonly with clients. that if you ever heard the term asset rich cash inadequate so they might not have a whole lot of extremely. They ' ve got a possession in terms of a a couple of financial investment properties.The issue with investment properties is you can ' t simply liquidate the front space to take place a cruise ship. You ' ve obtained ta market the entire thing or maintain the entire point. 'or else you ' re on a set income from the rental fee.
Um so, this is where if you ' re wishing to obtain that cash right into a tax-free atmosphere in retired life you ' ve got these restrictions on just how much you can place in.So, how you structure it in is gon na'be extremely essential going forward. One, caveat which with any luck'will certainly surpass is that they have actually recommended to remove the work tests next year or from the very first of July twenty twenty-two.
Um so, simply for people that may be over 67 as well as under 74 currently as well as as well as have cash that they formerly have beyond Super. If that regulations gets passed after that you need to be thinking, okay, well, do we wan na top up our extremely funds due to the fact that we put on ' t need to fulfill that work examination any longer if that regulations goes through.Yeah, without a doubt. and also I will state if that regulations experiences. Just to state that. I mean the something is is that the government did bring in us one more possibility for us to have a last possibility of placing cash into incredibly. So, Tom, would certainly you
mind experiencing simply swiftly the downsizer stipulations? Yep. So, once more, speaking about the mother-in-law. So, this is where she utilizes provision to be able to top up her incredibly. With the stipulation, you ' ve got ta be over 65. There is once more a proposal to reduce that age to 60 from the 1st of July. Again, it ' s not legislated. So, at the minute, you need to be over 65 to utilize that downsizer contribution and basically, if you ' ve stayed in your own house for more than ten years, or a residence that you ' ve lived in a minimum of component of the moment as well as possessed property for more than ten years, then, any proceeds from the sale of that property, you can put into extremely as much as 3 hundred thousand each if you'' re a member of a couple.Um as a means to obtain cash right into extremely under the disadvantages of arrangement. Currently, the terrific thing is this downsizer payment is completely separate to all the various other limits that we ' ve spoke about. So, the non-concessional, the concessional restrictions, also if you'' ve obtained$ 1.
6 million bucks in very or in fact 1. 7 currently. Um if you ' d like sufficient to have that much in extremely. Typically speaking you can ' t in fact add anymore cash to incredibly'from your very own cash. This downsizer policy you you can really still make use of that downsizer rule. And afterwards the other caution is that well you don ' t in fact have to'use the proceeds from the sale of the property to place that cash into super. You'can make use of various other moneys that you may have. So there ' s an example where we ' ve had a client that downsize however properly purchased the building at the very same worth that they cost but they had an inheritance that they had out of cider incredibly. Um and also due to the fact that they couldn ' t obtain it right into incredibly due to the fact that they didn ' t satisfy the job examinations etcetera and also there mored than sixty-seven. however we might make use of a downsizer guideline to actually utilize that cash and also top up their incredibly. So once again there are manner ins which you can make use of these rules to your benefit. So again that ' s a vital trigger trigger sort of factor Paul that if you are offering your residence as well as you ' ve remained in
it greater than one decade as well as over 65. Exists any kind of unity below about what we need to do. I constantly state to individuals if you do require any kind of even more info on that particular please enter call with your local regional supervisor of the fund and we can certainly assist as well as provide some info on that particular. or if you desire you can additionally get some financial planning guidance. Many thanks Tom. I suppose there ' s no such point as a poor tax rebate or a tax obligation credit score to them. Um partner payments. If you ' ve got a partner that earns under forty thousand dollars of earnings this this economic year. Um you can a payment to your partner ' s account and also you can get yourself a tax obligation refund of approximately 500 and also I was gon na claim 450 but it ' s 540, forty thousand.Five hundred and forty dollars. That ' s right. I fail to remember a tax obligation discount of 5 hundred and also forty thousand but let ' s go 5 hundred as well as forty dollars. Partner payments are additionally something. It ' s a bit of an unknown thing or I intend rarely utilized. Um formerly, the threshold was a great deal
reduced. Your spouse needed to gain much less than'thirteen 000. The the federal government that limit that if you you you have a low income making spouse under 40000 as well as you add up to$3000 to their super then you obtain a tax obligation offset in'in the the partner ' s tax return whose gaining the the the larger quantity. So once again it depends upon just how much you ' re earning and if you ' re paying tax obligations also whether you ' ll really have the ability to make use of that balanced out. yet once more it ' s something to assume regarding cuz when you consider what ' s the return all I I return to what ' s the return accurate Paul.And that five hundred$40 for a$3, 000 payment. That ' s an 18 %return guaranteed. Not several investments that offer you that guarantee. Entirely true. Completely real. The other point is is that we always suggest that when you get'closer in the direction of retirement if you ' ve got various other superannuation accounts out there is to settle them with each other. Bring them with each other for their what I call the final area before we enter into an account based pension. There are some items that you need to consider like in terms of insurance policy advantages and the like. Um however we can definitely assist via those I suppose we ' ve we ' ve type of touched on the subject yet exactly how can we access our incredibly. We ' re going to begin now speaking regarding Tom the choices that you can have in retired life Um.I suppose the fantastic point is is that with people these days they still have the flexibility and control over their retired life financial savings as well as they have options. Um can you take us with what what their choices are when they do retire? Yeah yeah absolutely awesome therefore I guess again the very best method to think concerning your very when you ' re retired and also you ' re over sixty it ' s generally like a savings account. It is invested really in a different way cuz you pick the threat that you wish to take with the cash. That ' s the vital difference. You can access money as a lump amount. If you leave your extremely there then you can actually just take a swelling amount whenever you want.Um it ' ll still build up'passion. Or if you can convert it to an income stream. That ' s where the the among the called an account based pension plan. Assigned pension. Or earnings stream. They got names. Effectively, that ' s where you get a normal settlement from your incredibly. You can pick to earn money fortnightly, monthly.
You can take a yearly settlement yet basically you become your employer then as well as you pay yourself.'As well as inevitably I guess that you you ' re accumulating your incredibly throughout your working life with your contributions. And then generally speaking you wan na convert that to a revenue stream where you ' re simply replacing the earnings that you were making while you were working have the way of life that you desire in retirement. The. various other feature of a pension account, once you ' re retired, is that if you want to take a round figure from it, you can.So, a whole lot of clients that I see, they they fail to remember that they can in fact just dip into it. Again, like a savings account. but the essential difference between having money in an account-based pension when you ' re retired or an extremely account is how the rate of interest that you make is taxed. Any kind of cash in the extremely stage, we call it', where it ' s simply sitting there and also gaining in you don '
t really see this but the extremely fund has to pay 15 %tax on the interest that you earn as well as after that they offer you your returns. Any kind of cash in an account-based pension, well, the interest that you earn on that account, the super fund doesn ' t pay any kind of tax obligation. Also if you ' ve got the very same investment account within the incredibly and also the pension plan, the pension over the long term will always have much better returns and it ' s purely a tax difference at the extremely fund isn ' t paying any kind of tax obligation on the rate of interest that you make in pension plan. Usually talking, it can be about a 1 percent distinction on the returns'. So, if you'have 5% return in very, it should be around regarding 6% return in pension plan phase.So, that can obviously have a large difference on how much time your money ' s gon na last. So', that is just one of the essential reasons that individuals look at placing cash into pension plan phase and it ' s also among the crucial reasons that the government has restricted exactly how much you can enter pension plan stage. There is a a limit of one factor 7 million.
Look, the majority of people not gon na not gon na need to fret about that but if it is a trouble, it ' s a nice problem to have, number one, but then you need to prepare around that due to the fact that the government just enable as much as$1. 7 million in that pension plan phase regarding that tax-free standing of the interest that you make. Charming and also I mean we do encounter individuals that are rather pleased for it to stay in very. Um you ' re not forced to do it. but we constantly attempt as well as make them knowledgeable about that well, look, there is a tax-free nature financial investment car there readily available which ' s why you ' re potentially losing out on.Does make a distinction in the returns. I constantly tell people look at our investment alternatives on our internet site and also just how they vary in between the designated pension strategy and also the superannuation fund. That is essentially tax in the distinctions in the returns. Yeah it certainly can total up to a a reasonable amount. Allot a pension Tom.'Yes so as we ' ve already discussed you ' re contributing to very. You ' re building that up. And also once you ' ve reached your conservation age that beautiful age where you can access your very. Fifty-eight 5960 plus Um that ' s where you can start converting it to that pension plan. Currently we type of discussed it prior to that when you turn sixty even if you ' re still functioning you can access super through an earnings stream. It ' s called Transition to Retirement Um so if you ' ve ever listened to that term. What that suggests is you'can actually transform what you ' ve currently constructed up in incredibly into a transition to retired life earnings stream and also attract down a repayment. Currently there are limitations while you ' re still functioning. Um so, the limits are the minimum is presently two percent and also after that the maximum you can attract down is 10%. Currently you can draw that down as a biweekly payment,'monthly payment, yearly payment. Now, why would you'want to do that? So, we consider doing that because well, leading, if you'' ve obtained an extra income source, well, it may then permit you make the most of the maximum amount you can take into super income sacrifice'and minimize income tax.So it ' s a method that you can really construct wide range while keeping the same degree of earnings. Second you can actually pay down financial debt quicker if that ' s something that ' s crucial to you as well as you actually wan na get rid of financial obligation. You can utilize those repayments to help do that. And after that number three I presume what it was actually designed for is really transitioned to retired life. . that ' s where you may be going from full-time to three days a week. You still want a full time salary to live on. Um that you can cover up that part time 3 days a week with a little bit of very. Um to make certain that you ' ve got the the degree of earnings that you want moving forward. So there are lots of ways that we can utilize that. When you ' re retired or transform 65 then that maximum amount goes. There ' s no limit on just how much you can attract down. Lovely. Um there exists is a number of concerns coming through in the Q&A. I will certainly park among them.Um and also we ' ll come back to that at the end. Um the other one the one question that I assume that we simply require to state is is that there ' s a concern from Peter. Can you take the total'as real money as opposed to staying in an account? I expect you can address that concern.
Again, the catch is, well, that$85 that you'place in the incredibly fund, you can ' t touch it up until you ' ve met that condition of launch. Again it depends upon exactly how much you ' re earning as well as if you ' re paying tax obligations as well whether you ' ll in fact be able to utilize that offset. but again it ' s something to assume regarding cuz when you look at what ' s the return all I I go back to what ' s the return on the cash Paul.And that 5 hundred$40 for a$3, 000 payment. Yeah yeah absolutely awesome as well as so I think again the ideal method to assume concerning your extremely when you ' re retired as well as you ' re over sixty it ' s essentially like a bank account. Also if you ' ve got the exact same financial investment profile within the very and also the pension, the pension over the lengthy term will certainly constantly have far better returns and it ' s purely a tax obligation distinction at the super fund isn ' t paying any tax obligation on the interest that you earn in pension.I presume the things so as soon as you'' re retired as well as you ' ve met your obtaining cash out there ' s no problem is obtaining cash back in those limits. For a lot of people that are retired, and not functioning, then, I would say 97%of Australia is gon na qualify for this card because the method that they do the income examination, they don ' t actually take what you, they put on ' t in fact look at what you ' re taking from your extremely in terms of a payment. The where aged care comes in is really I speak to it ' s generally customers that are retiring and also they ' ve obtained elderly parents and they ' re going with that process of looking at aged care or having to place them in aged treatment can be really made complex.
I guess the points so as soon as you'' re retired and you ' ve met your obtaining cash out there ' s no problem is getting money back in those limitations. Will certainly depend upon on exactly how much possessions will send out a web link permit us to have prior to they start decreasing the age pension, what they'' re going to pay us.So, as a solitary home owner, if you'' ve got assets of under 270 thousand dollars, so that'' s not consisting of the residence however it includes everything else, includes your car, your components, cash in the bank, shares, outside a super, the worth of your super, that if that is above $270 thousand, that'' s when they begin minimizing how much you get in age pension as well as after that, inevitably, if you ' ve got 5 and 000 as a single house proprietor, then, that ' s where they pay you zero in age pension over that limit. For a lot of individuals who are retired, and not functioning, after that, I would state 97%of Australia is gon na qualify for this card since the means that they do the revenue examination, they wear ' t actually take what you, they wear ' t actually look at what you ' re taking from your super in terms of a settlement. That ' s normally around exactly how usually you ' re working. The where aged treatment comes in is really I speak to it ' s generally clients that are retiring and also they ' ve got senior moms and dads and they ' re going with that process of looking at aged treatment or having to put them in aged treatment can be very made complex.What'' s the the costs that we ' re gon na need to pay? Um so this is where we really aid with the economic side of points is putting a plan together to state okay well this is the best structure that if you intend to money aged care in the most effective means consider potential estate worths to see to it that that that they'' re maximized.Getting the very best care for your moms and dads. Exactly how do we do all that? This is where we can we can assist out. So it ' s simply to advise I guess our members that we can assist in a whole lot of means. as well as this is as you claim a growing location given the intricacy. of the regulations around aged treatment. Many thanks Tom. Um I was just going to state is is that if you ' ve got any type of inquiries send them via. We ' re we ' re coming to the end really swiftly. Um if you ' ve obtained any questions, you can undergo on the Q&A function on the on the on the Zoom telephone call and we ' ll we ' ll come back to your questions in a moment if'you ' ve got any type of. I understand that there is a couple there already. Tom, can you simply experience on what items you can actually you most likely touched a sprinkling of them right via this session tonight. Yeah. Um simply promptly finish up on what you can actually give as an economic planner.Yeah, most definitely. So, I I think the function of these seminars is to not
just educate you however to try and I presume cause you to think of, alright, have we obtained a strategy in position? You may have an organizer, be seeing them, that ' s fantastic. However this is where if you come and see us, these are the type of'things that we concentrate on. Conserving much more for retirement having, strategies to do that. Just how do we maximise Centrelink? Okay? Checking out if you are concerned about how much time your cash ' s gon na last. Having a strategy in place to take a look at scenarios. We often look at alright well if we retire earlier how does that look? If we retire later at the office part-time. Giving you a bit extra info we ' ve currently touched on those'estate planning kind of advantages that we can look at. And additionally any kind of non-super financial investments that you could have that you may desire to get involved in Super. having a technique about well tax obligation efficiently offering them down. Um restrictions on just how much we can obtain right into super. Just an alternative plan once again with regards to all these kinds of subjects. And also when we take a look at guidance for there ' s always what we call tangible and also intangible benefits to advice. So I believe on the next slide that we ' ve got. oh well I thought we had one there but no. Speaking regarding benefits to suggestions. Um there ' s a tangible side of things. We saved on tax. We developed the incredibly. We ' ve got more Centrelink. That ' s where we can really include worth. But we likewise include worth on the intangible side'of things which is extra that well we ' ve got a plan in place. We ' ve obtained a plan that we can function towards and track. Um'to ensure that ' s usually what a great deal customers like as well is they just wish to be have that secure understanding that they ' ve got a plan in area that they can follow entering into retirement. Lovely. Thanks for that Tom. What I will claim is is that I suppose would certainly you mind running via the economic recommendations offerings.I mean the initial thing that I require to claim is is that if you do require any kind of basic details or basic advice you can call our call centre. You can call our local managers. So if you do wish to acquire more info from the fund as well as the basics of your account checking out the website which I ' ll touch on momentarily. Please do not hesitate to provide either myself or among our regional supervisors a call.I intend the various other thing is is that Justin our aide behind-the-scenes has simply placed in a link into the conversation facility. So if you desire additional information from the
fund you can utilize that web link as well as it can take you via as to which option you would certainly like. that is completely as much as you. Um currently the one point that I would certainly say is Tom would certainly you mind experiencing both various solutions that we have available? Yeah so for the a lot more individual advice to ensure that ' s where you you ' re being being given some recommendations.We ' ve obtained a number of options. The over the phone guidance. To make sure that ' s a free solution at the fund office. we ' re totally qualified advisors can give you personal recommendations but just on certain subjects associating with your incredibly. Those the primary subjects that'they look at are the investment selection within your very. If you ' re having any concerns around that or looking at any type of different investment choices payments to incredibly. So, that ' s quite a popular one particularly with the increase in the cap. Um that if you intend to check and you wish to try and stand up to that'cap because you can pay for to do so. The minimal guidance team can provide you some suggestions. How do we make certain we do that? Um and after that the 3rd location is around insurance coverage within your incredibly fund that if in we sanctuary ' t really touched on it cuz this is a retired life preparation seminar but if insurance policy is essential the appropriate degrees of insurance coverage they offer you some suggestions on that.So that ' s the totally free solution a or complimentary solutions being a member of the fund. The detailed guidance service, well, this is where we consider your whole scenario. Um if you ' re a participant
of a couple, we always look at you as a couple. It ' s extremely vital as well as you you don ' t have to belong to Australian Catholic Super to get advice cuz with this service, it ' s what we call a FIFA service model.So, the initial appointment, if any one of you have gone with it previously, if you always sit down, generally for concerning an hour as well as a hr and also a half, consider your circumstance and also go', fine, exactly how can we aid? We go, well, in my professional viewpoint, you need to focus on X, Y, and also Z. This is what I would certainly check out as component of the strategy. Um and this is the kind of strategy that I would put together.Um if we can ' t aid you, we would say so. We ' d state, well, appearance, you ' re doing whatever that you truly can. There ' s very little truly that we can assemble partially part of a strategy Yet if there is, we would explain, well, this is what we can do. These are the benefits and then, we offer what we call a dealt with quote for the statement of suggestions and placing that blueprint with each other which ' s a fixed quote to primarily place the recommendations with each other, experience the guidance, as well as execute the guidance. We don ' t charge any kind of ongoing charges. I don ' t get any payments or bonus offers for any advice that I do. It seems'a little bit altruistic but I got right into doing guidance due to the fact that I love to assist individuals pass on my understanding, placed them in a much better position.Um however eventually, if we spend time doing that and also that the individual is profiting from that advice, thorough, we have to bill for time it takes. So you get a quote generally speaking it can be anything in between 1500 to 2 and also a fifty percent thousand bucks.
Relying on the complexity of the plan. Um so but you choose whether you wish to proceed after that phase. Um to put that strategy together. For certain. I mean Tom there was an inquiry there from Gail. I will set up for somebody to give Gail a telephone call in regards to the timing issue of tonight ' s webinar.So Gail someone will certainly offer you a phone call from our office tomorrow in regards to to the tonight ' s webinar. Tom I mean the the important things with extensive advice is is that people need to well I mean either see one-on-one or you recognize look for some comfort to see to it that they ' re on track.
I always tell people that by involving consult with you there ' s reached be a sensible advantage in you doing the guidance. Can you simply undergo in terms of the expense framework as well as exactly how you you understand work with clients to discuss the price and and what benefits that would certainly emerge from that? Yeah.So, I guess with concerns to the the benefits, it comes back to that tangible and also abstract benefit yet occasionally I can show quickly that well, you ' re gon na save 10 times out that you ' re gon na pay for the advice in tax or interested minimized fundings. To make sure that ' s fairly an easy, I think, profit since again, it doesn ' t benefit me what the client does, whether they whether they listen or they wear ' t.Um so, we simply charge for the time it takes for placing that insurance claim with each other. That ' s how we bill for the suggestions.' After that, there ' s the abstract benefit also that some individuals like to spend for the advice since they desire that feeling that they understand they ' ve obtained a plan in position as well as they ' re on track. 'it may not be that we can conserve from thousands in tax'but that they feel it ' s worth paying for the guidance due to the fact that of the feeling.Now, that ' s an extremely individual option that some individuals are pleased to pay that charge. Some people aren ' t. All I would certainly claim is returning to the charges pool. We ' re not a profit-making business. We ' re just a cost-recovery service in
terms of recovering the costs it takes to to for the time it requires to put that recommendations with each other. Generally speaking, if obtain a quote from myself. You can most likely to one more financial planning organisation and also obtain a quote that I assume we you ' d find we ' re very competitive in terms of any kind of plan that we would place with each other to assist members. Yeah as well as I ' d likewise or I constantly inform individuals that they ' re going to get a method plan that ' s what? 60, 70, 80 web pages long often.'Yep. Um if'you intended to you can allow it exist under the cushion. Um absorb it. Offer you assurance understanding that you ' re on track at each as well as every day if you wanted to'. We ' re all So, if you do obtain a strategy placed with each other, we don ' t just give you the strategy and claim, there you go. We aid you.We, we, we, it ' s all the the time it requires to implement any kind of recommendations also which which would typically be over a 12 or 18'month duration. That ' s what the cost is covering is additionally the time it takes to execute and yeah.
I mean after tonight ' s there ' s a web link there that is being placed in the conversation if you desire to engage in that solution. Someone can give you a phone call to organize a visit time or otherwise will be a study sent to you after the session tonight. that will certainly likewise include some an opportunity for you to offer some comments in in regards to tonight ' s session.But it ' ll also enable you that if you intended to obtain additional info you can suggest where you would certainly such as that. And also we ' ll arrange for someone from the fund workplace to provide them a phone call quite soon. Thank you extremely much for that Tom
. I intend the important things that we additionally need to address is the is the brand-new or the the your future your super regulations that was recently presented. I mean it has a little of a a background in the sense that it was presented back in October of twenty twenty. Um it was passed only just recently Um and afterwards the means the examination would run was just given in early of August. Um I intend there has actually been some considerable conversation in relation to the test and also the make-up of the test. We were only alerted that our My Super Financial investment option. Um the My Super Financial investment or Default alternative did not pass test and we ' re just informed on the 30th of August Basically the test is a 7 year examination and also what it ' s done is is that it ' s contrasting it to a fixed benchmark.So we have a life time one alternative that has just been available for the last three weird years and what they ' ve done is united and utilized our previous default financial investment option of being the conservative well balanced alternative. Generally they ' ve used two very different products to integrate them together to establish our efficiency on the examination. So basically the combination of these 2 products that'we ' ve assembled did not pass this mandated test.So we just intended to make certain that this only puts on the default choice. It does not put on'the various other 13 investment choices that we have in the fund. And after that to date we have not been advised of the exact setting on on on the on the criteria. The reason that the under efficiency is is that our definitely
our shares financial investment product has not certainly fulfilled the statutory criteria. Since is a historic product. Um as well as the paradox is is that we ' ve constantly mentioned and you ' ve if you ' ve reviewed the please note or had you the the the one of the factors there is is that past efficiency is not a sign to future efficiency. As well as yet this examination is recalling traditionally over the last seven years. Back in two thousand and eighteen we'have reorganized our share portfolio to ensure that it ' s taking the best advantages that are offered there for our participants. The various other item that has actually resulted in the detraction or or or the outcome is is that our different financial investments have actually been I expect put together at a standard and compared with each other at a standard of an asset that'considerably greater in growth orientation which consequently if it ' s a greater growth positioning it ought to have performed.Um a a greater amount over a longer period of times. This is certainly adversely influenced the profile. We ' ve formerly acknowledged our under efficiency six as well as 7 years earlier. However I can honestly claim considering that with the introduction of life time one in the last three years we ' ve seen stronger performance and I ' ll supply you with some performance figures in a moment. The one point that I would claim if desire more details in relation to this YFYS examination that we have a specialized page on our web site. Um the government has given a my incredibly contrast device. and also I would say Tom we ' ve both recognized clients that have actually viewed that. as well as we ' ve additionally seen lots of people comparing our fund over the three years. We acknowledge the fund has actually had efficiency under efficiency several years earlier. Six and seven years earlier. We recognize that in the last 3 years since Lifetime One has actually been around.This Life time one or or items that is currently our current has actually been very affordable versus various other superannuation funds. And I we'would certainly ask as well as advise for you to go and compare those. I intend there are numerous various perspectives and there ' s a whole lots of various short articles and also we ' ve put a few of those on that web site page also. In terms of ah the objectives of the product it '
s been it ' s it ' s it ' s it ' s a tended objectives.It ' s for instance members under 40 years of age. My children that are in this item. And last entrance year ending June 30. a return of 20. 9%after fees and also taxes'. A a return that ' s not extremely not not extremely seen in our life time of our of financial investments. Whilst we ' re sitting in a superannuation fund. Lifetime one essentially is high threat for younger participants. They have a high growth alignment. Merely as well as totally they have an extended period of time to retired life As well as this way of living investment. Once they hit the age of 40 they progressively minimize down in danger. So it ends up being increasingly more traditional as you get closer towards retirement And also I believe that ' s a wonderful and also it ' s a life process product. that we claim in the market.
As well as it ' s certainly one that I discover that it ' s as people we obtain an increasing number of conservative. I think of Tom that you ' ve seen people closer to retirement coming to be increasingly more traditional as they age. Getting closer to retired life They ' re. seeing their dimension of their account equilibrium and that ' s specifically what'this item has done. as well as it'' s done it ' s it ' s absolutely done what it was meant to do as well as created to do. So you can see there last financial year a 40 year old the greatest threat direct exposure was 20.88 %. As you can see there ' s a general decrease in the returns as well as what we ' ve done is is that every year'you ' ve got a very gradual and I state I attempt to emphasise that when it ' s a very gradual decrease down in danger. So when you ' re looking
at comparing products you need to ensure that you ' re comparing items that are danger ideal to that age. Therefore I would certainly refer people to the financial investment truth sheet that ' s on our internet site in concerns to the various structures of terms of danger. You'can see there ' s a person that ' s aged 60 in a conventional environment. Um the return was 13. 87 for last fiscal year. And also the three years average was six factor 5 5 percent. You can see there that the lifetime ones returns has actually absolutely done what it is planned to do.So I mean our future the'overview. The trustee has definitely always ensured that we are looking after the members finest monetary passions. And they ' re going to proceed to do so. They ' re going to be I mean you might say acting in the very best financial interests of the participants
By looking for range. Um the has actually come with each other with huge superannuation funds. There ' s been a great deal of merges of late. As well as the fund will certainly in the not also distant future be revealing a merger companion that will certainly offer us with scale. The federal government has certainly advised that to make it through in the superannuation fund moving forward. You require to be of a fund of a minimum of 50 billion bucks. We ' re absolutely seeming a mosting likely to a partner that will certainly remain in excess of that. Um that it by means is mosting likely to be caring for the member ' s best monetary interest is is that it will create scale. It will certainly provide greater benefits to members. Um with the economic climates of scale maybe lowering costs.We ' ve currently in minimized prices in the in the past couple of months and also we will be lowering indirect investment prices quickly. Certainly if you ' ve obtained any questions in regards to the fund I ' d ask you to get to out to your specialized regional supervisor and they can offer you better info in regards to this performance examination.
I ' d likewise urge you to go as well as look at that super comparison device as well as do a comparison on the fund.And take a look at that and also take a look at that 3 year efficiency figure. I mean the other options that we do supply is is that we can take a look at the upcoming webinars Now we do a quarterly financial investment webinar as well as I would certainly envision the one would certainly be showing up in the next month. and also these are all detailed on our website. So much like you ' ve registered for tonight ' s webinar.
There are certainly many webinars that you can do.You can take a look at to sign up to acquire some more info. I mean the other thing is is that if you wish to get some additional information as I pointed out, there ' s the link for the for there however there ' s likewise the study type. We ' ve obtained any type of inquiries. we can we can absolutely give you a phone call. I mean the individuals that have asked inquiries, I'' m going to ask your local regional manager to reach out to make certain that all of your questions have actually been answered this evening. Um I posture the various other item that I inform individuals to consider is the portal.Little little bit small in font dimension. I ' m delighted I ' ve obtained my glasses on check out these. Yet I intend the participant portal is an excellent area where you can have a look at your account. You can do a variety of items there. You can make a contribution. Obviously you can see your account balance similar to this individual has. You can alter your financial investment options. The really remarkable thing is is that in the center there you ' ve got handled my insurances. As Tom points out. Retired life Planning Webinar tonight. However if you wan na just have look at your insurance'arrangements. You can even get a quote for boosting them. Certainly I would motivate you to do that. Um you can additionally nominate yet it ' s a non-binding beneficiary. That is absolutely available. The various other item is is that in the top right-hand man image of the slides it ' s obtained a retirement forecast. So if you ' re intending to have a look at just how your account is tracking towards retirement that is definitely a a good tool that you can make use of. It ' s a preparation device that we ' ve given based on your account equilibrium as at today. Based upon your payments over the last one year. And we can do some preparation as to where your account or our company believe your account will certainly go to based on your chosen threat profile.Now there ' s a little terms there. Risk profile. I would certainly additionally recommend that if you do not understand what'kind of a financier you are we likewise have a remarkable device on our internet site called the danger profile calculator that it can provide you with some assistance as to your selected investment items. Absolutely the participant website as well as the website is there ' s a lot of sources there. I would certainly suggest that you have a look at that. and I have to confess and also I ' ve just recently downloaded it is the application. Um the app is back.
Yeah so for the much more personal guidance so that ' s where you you ' re being being provided some recommendations.We ' ve obtained a pair of alternatives. That ' s quite a very easy, I guess, profit since once more, it doesn ' t benefit me what the client does, whether they whether they take recommendations or they wear ' t.Um so, we just charge for the time it takes for putting that claim with each other. There ' s the abstract advantage as well that some people like to pay for the recommendations because they want that sensation that they know they ' ve obtained a plan in area and also they ' re on track. Um the My Super Financial investment or Default option did not pass examination as well as we ' re only notified on the 30th of August Essentially the examination is a seven year test as well as what it ' s done is is that it ' s comparing it to a predetermined benchmark.So we have a lifetime one option that has only been readily available for the last 3 weird years as well as what they ' ve done is brought with each other and utilized our previous default financial investment choice of being the traditional balanced alternative. In terms of ah the objectives of the product it '
s been it ' s it ' s it ' s it ' s a tended objectives.It ' s for example participants under 40 years of age.Um and I must confess you understand you'' re trembling your head there Tom yet can I nodging? Responding. I had a client actually asked me the other day. When when is the application back? As well as I simply discovered that it'' s simply come back on in the last couple of weeks I think. It has come back in the last few weeks so you can download and install download that from the Application Store. Um and also and go right into your account similar to you would your member portal.So realistically if you ' re lugging your phone anywhere if you actually desired to understand I would urge as well as say probably you shouldn ' t. yet if you actually wanted to recognize if you ' re out and also concerning you'can click the app and it does some terrific things. So I ' d definitely encourage'you to look at that. I intend if you ' ve obtained any kind of additional information from tonight as I ' ve pointed out there ' s the survey Um there'' s the that will be sent to you.You can certainly ask any type of inquiries there as well as we'' ll prepare for someone to give you a phone call. Um Tom I mean the one inquiry I have for you prior to we go. Um there'' s a number of concerns there and also we'could park those and get cuz we ' re running out of time really promptly. Retirement preparation is all very complicated. Um I expect there are a variety of different choices. You recognize you may be one year out 2 years out. I intend the inquiry I always listen to is when should I consult? Is it right at the last minute, an all year? 5 is that? The the first thing is is never too late. Commonly people think, well, it'' s too late. I I won ' t bother. Never far too late. Also if it'' s just a year out. Um 6 months out. There'' s points that we can do yet clearly, the earlier, the better.Um as well as never anybody ' s had anybody'say oh, I shouldn'' t have come. They always state I must have come earlier. So, undoubtedly, the earlier, the much better that you intend that that you'' ve got a strategy in position yet I would all always claim too, it'' s never far too late. Don'' t be placed off. Um if you think it'' s far too late cuz it it'' s not. Love Thanks, Tom. Search in the rate of interests of individuals, I would certainly envision that if they'' re had a glass of a glass of wine over the hour and also a fifty percent, that'' s possibly checked out one or 2 Supper is calling us right here in Brisbane or Sunlight Shore for you.Um so, thanks Tom for your presentation tonight. It'' s been valuable. Um I'' d likewise like to thank Justin Colley, our coworker in Sydney workplace, remains in the background aiding us out. So, thanks Justin for your time. Um I keep in mind that it'' s 830 for you. I would picture that it'' ll be obtaining to the factor of getting the book as well as hitting the going to bed quickly. Need to be bright and also early for the following functioning day. I wear'' t additionally like to thanks all for participating in tonight'' s session. Thank you extremely a lot. It was substantially valued. Um if you'' ve got any inquiries you ' ve absolutely got our numbers there. The one300 number and the local regional supervisor will certainly obtain in call with you if you'' ve obtained any kind of more inquiries. Once again thank you quite for attending. as well as have a good evening. Thank you. Many thanks Paul.Thanks for your time.
Um and also I must admit you understand you'' re trembling your head there Tom however can I nodging? As well as I simply found out that it'' s just come back on in the last few weeks I think. Certainly, the earlier, the far better that you plan that that you'' ve got a plan in location but I would certainly all always state as well, it'' s never as well late. Um if you'' ve got any inquiries you ' ve definitely obtained our numbers there. The one300 number and the local regional supervisor will certainly get in call with you if you'' ve got any further questions.
Read MoreMy retirement checklist for 2023
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
I ' m going to renovate the washrooms, the kitchen, I ' m putting an outside gazebo in, or I ' m going to go on a very huge vacation where we ' ve not traveled as much as we desire, so we ' re going to go do a big European trip and it ' s going to set you back a substantial quantity of money to do that.I ' m going to get a new vehicle. If you ' ve got a home mortgage, if you ' ve obtained car repayments, if you have credit report card financial obligation, start thinking about how you desire to get out of financial debt. We put a lot of weight on having those papers because you wear ' t want to be in that scenario.We ' ve seen it before where something takes place and also we wear ' t have the correct records in place or recipients on documents or power of attorneys available to aid with that.
I will certainly inform you right up front, if you are listening to this and you ' re reasoning, “Oh my goodness, this is a great deal of details,” put on ' t forget we have actually a blog created on this specific subject as well, as well as it is on the website there at pomwealth.net on the blog site web page. I ' m going to redesign the bathrooms, the cooking area, I ' m placing an outdoors gazebo in, or I ' m going to go on a very huge vacation where we ' ve not traveled as a lot as we want, so we ' re going to go do a huge European trip as well as it ' s going to set you back a large amount of money to do that.I ' m going to get a brand-new vehicle. I'' ve obtained this big point that I ' ve got to buy. If you ' ve obtained a home loan, if you ' ve got auto payments, if you have credit report card financial debt, begin thinking concerning how you want to obtain out of financial debt. We put a lot of weight on having those papers because you don ' t want to be in that scenario.We ' ve seen it prior to where something happens and also we don ' t have the appropriate documents in place or recipients on documents or power of attorneys available to assist with that.
7 Social Security MISTAKES that Cost THOUSANDS in Retirement
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
Unless you'' re planning on making a higher return a higher return than five percent and also a greater return implies higher risk in order for this to function you'' d have to not work past age 62 not attract revenue from taxable resources such as a 401k not live previous 83 and be disciplined enough during all of that not to invest anything that you obtain from the ssa oh and the 5 percent return in the majority of situations you'' re gon na have to pay taxes on that if you'' d like to see more of me please make certain you click subscribe notices i work extremely tough to get what'' s happening out there in the globe of social safety as well as into below for you and by clicking subscribe notices you'' ll get alerted as quickly as i post a video clip additionally inspect out this video clip on the ordinary web well worth of a 62 year old some of the numbers are quite remarkable some not so a lot this is jeff schmidt thanks for enjoying
How To Become A Millionaire In Two Years Buying One House Per Month – Real Estate Investing
Jason 0 Comments Retire Wealthy
Joe: Hey, it’s Joe Crump. I’ve got another video here for you. This one is from Karen Smith in Columbus, Indiana. Karen: “Joe, can you explain the millionaire matrix? Does it really work and can you do it without down payments or using your credit?” Joe: Absolutely, it works. The Millionaire Matrix is a structure that I teach that shows people how they can actually make a million dollars in equity and in cash within 2 years by buying just one property per month using no credit and no down payment.
And instead of just me explaining it in this video with a talking head, I’m going to pull up a little power point here and show you exactly how this process works. Joe: I created this little power point to show you what the Millionaire Matrix is and how and why it works. Joe: Before you can understand how it works, you need to understand the principles behind it and why it works. That brings us to the idea of businesses in general. 90% of all of the businesses that start up fail in the first year, whereas 90% of all new franchises succeed. Why is that? Why would franchises succeed and businesses in general, not succeed? And the big answer is — systems. Franchises have step by step systems to show the business owner (the person who’s implementing the tactics in the strategy of the business) how to do each little system in the business.
Joe: Let’s take the ultimate systematization — McDonald’s. If you go to a McDonald’s, everything is done the same at every McDonald’s that you go to because each of their processes is spelled out in a specific system. They have a system for making a Big Mac. They have a button to press when it’s time to flip the burger. They know how many burgers to put on there, they know what order to have with a picture of a hamburger, and how to put it together where it shows you that that’s where the bun goes and that’s where the hamburger goes and that’s where the lettuce goes and that’s where the special sauce goes. And it makes it very easy for people that are not very skilled to put together a hamburger consistently all over the world. Whether it’s here in Indianapolis or whether it’s in Wisconsin or California or Berlin or Paris or Ireland — it doesn’t matter — wherever you go to a McDonald’s, you’re going to get the same burger — it’s going to be put together the same way by the same skill level of people.
Now, McDonald’s has a 200% employee turnover every year. That means that they’re constantly trying to train new people. For them to get that consistency, they have to have a system in place to make that business work. Joe: And that’s what I’ve created in the Push Button Method and the mentor program. I’ve created systems so that I can take new people (people that have never been real estate investors before) and give them a system and say, ‘Step 1, do this. Step 2, do this. Step 3, do this.’ Joe: That takes us to the next question in the process here, which is what types of deals make you money.
You need to understand that as well. In real estate, there’s only two types of deal that’ll make you money. One is properties that you buy substantially under market value, either for cash or as an assignable cash offer. And two is properties that you can buy at market value or below but you can buy them on terms. Now, by terms we’re talking about zero down structures that I teach; subject-to, multi-mortgage, land contract, contract for deed, lease option, assignable cash deals. Those are terms and if you can buy properties on terms like that, then you can make money even if you buy them very close to market value. Joe: That’s going to take us to the next step which is the beginners Millionaire Matrix. Now here’s what we want to do with the Millionaire Matrix and the goal of each system. We want to be able to make $5,000 per deal. We want to be able to do one deal per month. We want to be able to work 10 hours per month. That means hours per week. We want to be able to have $200 residual income per deal.
That residual income I’m talking means every month you’re going to get $200. We want to buy 10% under market value; it doesn’t have to be dramatically under market value because you’re buying on terms, and I’m going to show you why that makes the difference. And you’re going to want to sell it for 10% over market value and I’m going to show you how to do that. Because we’re selling it on terms as well so we can sell it for more than it’s worth. So this is the basic concept for the Millionaire Matrix. Joe: Now let’s take an example deal — how the Millionaire Matrix and an example deal would work within it. Joe: Every deal is going to be a little bit different and you’re going to make a little bit different amount of money on each one, but this is sort of the model that we’re going by. I used the $100,000 as sort of the market value of the property simply because it’s a nice round number.
I know that the market value across the country is all over the place. You should probably go by percentages rather than this but I want to show you, even on a lower end market, that you can still make this kind of money. On a higher end market you’re going to make more money. So let’s start with a lower end market and then you can extrapolate from there. Joe: Let’s say you’ve got a purchase price of $90,000. The market value is $100,000. The financing — you’re not putting any money down, you’re not getting a new loan — you’re buying it subject to the existing loan. Which means that the property is going to be deeded to you and you’re going to take over the payments on the loan — without qualifying on that loan (remember that).
You’re going to sell this property for $110,000 to a new lease option buyer. You’re going to sell it on a one year lease option or maybe a 2-5 year lease option if you choose to do that. At closing you’re going to make $5,000 on the lease option fee at closing of this deal. The equity left after the lease option fee is about $15,000. You’re taking $110,000 sale price, you’re taking $5,000 from that, and that means you’ve got $105,000 that they still owe you for the property. You only owe $90,000 so that means there’s $15,000 in equity. Now the monthly loan payment on this 90,000$ loan that’s there — let’s say its $900 a month and you’re going to lease this property for $1,100 a month. This is an example deal. Joe: Let me also reiterate — you’re buying this property subject to the existing loan. That means that you’re not putting any money down and you’re not qualifying for a loan. They’re deeding you the loan. You have complete control of the property but it’s subject to that loan that’s existing on there.
You’re buying it for a little bit under market value but not that much under market value. You’re selling it for a little more than market value but not that much over market value. You’re selling it on a lease option which the buyer may or may not exercise. You’re getting a lease option fee at closing — you’re making $5,000 at closing. And you’re going to have that equity left in the property, and if they exercise that option, you’re going to make that other $15,000. You’re going to have that loan payment that’s on that existing loan of $900. And you’re going to get a lease income on that property of $1,100. So you’ve got $200 of positive cash flow every month. So that’s sort of the model of this whole thing. Joe: So let’s go to the next frame here. This breaks down to doing one deal per month over the first year. I’m going to show you how to become a millionaire basically over a 2 year period.
Month one — let me bring my little arrow up here — cash at closing, making $5,000, that’s the lease option fee. The $200, remember the difference between the $1,100 and the $900 a month payment so that you made $200 a month on that. Equity payoff this month, you didn’t make anything. It hasn’t paid off. Nobody has exercised their option. Equity buildup — you’ve got $15,000 because you bought that property and there’s $15,000 of equity. Remember the spread — you bought and sold it for $110,000, you got $5,000 and they still owe you $105,000, and there’s a $90,000 mortgage. That leaves $15,000 on there that’s your equity. Joe: And then a tax benefit based on $100,000. This is depreciation. If you take this property and you depreciate it by years, and then you divide that by 12, you’re going to end up with an actual tax savings in your pocket of about $106 based on about a 30% tax bracket. And these are just general numbers here but they’re pretty close.
Joe: Month 2 — you’re going to do the same thing. You’re going to do another property, make another 5 grand, make another $200 a month and so now your monthly residual income is going to go up to $400 a month. You’re not going to get any payoff because the year hasn’t passed yet. You are going to build another $15,000 of equity in the property. And now your monthly tax benefit is going to be $212. Month 3 — $5,000 -same thing – it just goes up every month for the whole year. Let’s go all the way down to the bottom of the year. At the bottom of the year you’ve made $60,000 in cash at closing from just doing these 12 deals. And believe me, I’ve got people that are doing 5 or 6 of these a month on a regular basis because they’ve set up the systems that I’ve given them to do that.
Joe: The next thing is the monthly residual. Just from what’s going on here, you’ve made $15,000 the first year in that; residuals. Equity payoff — nothing’s paid off the first year yet because nobody has exercised their option yet. Equity buildup — you’ve built $180,000 worth of equity in the deal and you’ve made $882 in taxable savings during that first year. So in that first year in the Millionaire Matrix, you’ve made a total amount of cash of about $83,000. You’ve made total equity of about $180,000. So you’ve just made $263,000 in the first year doing only one deal per month. Joe: Now with these deals, if you have 8 or 10 hours of work into these deals, that’s a lot of time in these deals. So remember there’s a startup learning curve. And there’s going to be the time that it takes to set this process up, to get this system going; all of that stuff. But the actual time of the deals is very, very low. And once you learn how to do it and once you get it going, it’s going to be easy to keep it going.
Joe: So let’s go to year two, and look at the second year. Things start to change dramatically in year two, if you’re going by this model. And we have different models that we go by. You don’t have to go by this one. But I’m just taking a simple model and how it can expand your income very, very quickly. Let’s look at month one. You’ve got $5,000, your residual income is now $2,400 a month because you’ve got 12 deals (and you only have to keep 12 deals like this because they’re going to be paying off as they exercise their options).
So as the first one pays off and you get your equity out of the property because they exercised their option, you made $15,000 equity payoff in cash plus you bought a new property, so you’ve got $15,000 new equity buildup and now you’ve got 12 months’ worth of tax savings over 12 properties. So you’re going to be making about $1,200 a month in tax savings, which is pretty substantial when you start making this kind of income; it’ll save you a lot of money. Second month — same thing. Joe: Now, keep in mind — this is the big variable — how many properties are going to actually exercise their option? It’s going to be much less than the total amount, so you may not make this full amount. There are ways to optimize this process and get more of the people to exercise their option, and I show you how to do that.
I’m not going to spend the time on this video to do that. Joe: But let’s look at the bottom line on the second year. $60,000 – same as you made last year on the cash flow. Monthly residual — it well over doubled. Equity payoff — assuming that they exercised their options, just made a nice chunk of money on equity payoff. Equity buildup — you make another $180,000 on top of this $80,000. You made $15,000 in real cash money in your tax savings through depreciation, so it was a really nice year two. Then your second year on the beginners Millionaire Matrix is total cash at $284,000, and total equity of 180,000$. The grand total of year two is $464,000. I add that to the $263,000 and you’ve got $750,000 in your first two years, not quite the million that I promised you but pretty darned good. Joe: Let’s say you get better at what you do, that you get a little bit better at the process. As you’re doing this, how much will you improve? Will you get 100% better? Will you get 75% better, 50% better, 25%? How much better are you going to get at this process after one year? I venture to say that it will be more than you think.
But let’s say that you only get 25% better. If you get 25% better at better price from the seller on your property, instead of getting 10% under market value, you get 12.5% under market value. Not very much — next to 2.5% better on your price. Let’s say you get 25% down from your buyer so instead of getting $5,000 down you get $6,250 down. Let’s say you get 25% more lease money monthly and your $200 goes to $250 a month. Let’s say you get 25% higher price from your buyer — instead of getting $110,000, your price goes up to $112,500; not that much more. And you do 25% more deals a year so instead of doing 12 a year you go up to 15 deals a year. Now this is very realistic to think that you can get just 25% better. I have people that get 100% to 500% better at what they do and their production goes up with that statistic. The ability that you have and the talent that you have in this grows as you do it.
This is a skill and you build that skill through this process. Joe: So let’s look at the second year Millionaire Matrix if you’re 25% better. Now you’re making $6,200 instead of $5,000 so that jumps that up from $60,000 to $93,000. That just increased your income by 50%; right in the first column. The second column goes up a good deal as well. Your equity payoff went up almost $100,000. Your equity buildup went up by $100,000. Your tax benefits, well, they didn’t go up at all. But still, you just increased your income by a substantial amount of money. So just getting 25% better at the second year of the Millionaire Matrix — now you’ve made $730,000 that second year. You made $260,000 the first year, so NOW you’re at the million dollars. Joe: This is a realistic model and it can work. Again, part of the biggest downfall of this process is the amount of people that exercise the option which is less than we would like, but keeping these properties — you also continue to build your equity and you buy down the notes.
You get the depreciation and those other things start to grow. So that’s not a bad thing, either. Joe: So this is a great way to do it. This required no money and it required no credit. All it required is your effort to follow through with the step by step system of putting together subject-to deals, of finding buyers for those subject-to deals and filling those properties.
And you do this all without risk because you’ve got so many contingencies in the deals that you’re doing that and if you don’t find a buyer for the property that you buy, you don’t close it. I think the whole beauty of this system is that you never have to close a deal until you know that it’s going to make you money, so instead of everybody doing zero down (which everybody talks about and I talk about as well) you’re not really doing zero deals.
What you’re doing is cash out deals, all the time, without using your credit. So it’s very exciting stuff. Joe: That’s the Millionaire Matrix. it’s a very powerful way to buy properties. It creates cash flow for you upfront so that you can have a sustainable business and it also creates that long term growth and wealth building that anybody needs if you want to retire from this business and be wealthy. It’s an exciting process. This, by the way, is what I teach in my six month program. It’s what I teach in my Push Button Method. So, either one of these programs will get you into more detail about exactly the step by step process of how to put all of that together.
I’d love to work with you and to help you and make your business and your dream come true on this. Thanks. Bye. .
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Read MoreThe Pension Gamble (full documentary) | FRONTLINE
Jason 0 Comments Career after Retirement Retire Wealthy
[Music] it was a promise made to all state workers they said if you dedicate your life to public service we would guarantee you a solid retirement but what happened they have effectively raided pension funds the pension was used basically as a piggy bank frontline correspondent martin smith investigates how did it go down with the policemen and the farmer i don't think it went down well with anybody my insurance is crap my pay is crap but i love what i do when i was promises pensions 14 million dollars had been paid to undisclosed individuals for doing little or nothing it was happening all over the country this is a crisis of epic proportion if we are unable to meet the pension obligations this comes at the expense of everything else that we care about the real cost of the pension gamble kentucky might be the first one to go down but it won't be the last [Music] this is a story about gambling and making bad bets it's about having your retirement that you thought was secure go south we came here to kentucky because kentucky's pension system for its police firefighters teachers and other public workers is among the worst funded in the nation with our interest in pensions we of course noticed a horse called promises fulfilled i decided to place a bed so this promise is fulfilled what do we think about that horse it's like a long shot well today i think a long shot has a chance with the yeah we're in kentucky we're doing a show about the pension problems you know the teachers and the firemen and the cops people who work hard all their lives and they're worried they're not going to get a pension crazy the people that we depend on most in our community right you got me mad makes you mad yeah i am ready for you okay well in uh in the derby number three promise is fulfilled what you want to put on it a hundred dollars to win yeah i had no expectation that the horse would do much at post time the odds board had it at around 50 to 1.
on the other hand if it won i would win 5 000. [Applause] well promises fulfilled led the pack for half the race but in the back stretch where you couldn't really see what happened the horse dropped from first to 15th out of 20. [Music] all i knew was that in just two minutes i lost my 100 dollars the kentucky derby was never in doubt [Applause] kentucky is drowning in a financial crisis the state's public pension funds which fund retirement plans for our teachers firefighters state police and other public employees experienced a shortfall of more than 36 billion dollars kentucky is not the only state in trouble nearly half of all states haven't saved enough money to pay for the benefits they've promised to government workers in total it's estimated they are short trillions of dollars that's trillions it's a problem that will affect everyone so why should you care because the bigger the problem becomes the more tax dollars will be needed to fix it that means fewer tax dollars being spent in areas of need like schools or roadways talented teachers and other public servants may look for careers elsewhere pension problems are sparking some concern for workers in northern kentucky kentucky's pension system one of the worst across the country it matters what happens in kentucky because what is kentucky's problem is new jersey's problem is illinois problem is connecticut's problem is california's problems is go on and on and on this is a crisis of epic proportion in the united states of america and it's time we wake up and address it one public employee in kentucky who wondered if his pension was okay was a history teacher at a local louisville high school i understood that i would never earn a great deal of money you enter teaching because there's a certain warmth you feel for instructing young people and trying to help them we're going to convert it from chemical to chemical chemical bingo and so it's an idealism that drives a teacher and that's the beauty of english we are learning to be effective communicators but one of the reasons that we accept the low salary is that we won't have to despair of our retirement that there will be some form of a safety net for us when we get too old to trundle into the classroom a guarantee a guarantee it's a promise and a good chunk of our salary is taken out from day one and deposited into a retirement plan if y'all can come up with a good idea for a little project or something you want to do we can maybe utilize that outdoor christina frederick trosper a teacher in knox county kentucky also signed up because of the promise of a guaranteed pension that's what i was kind of explaining to them when you get to this one i remember my parents telling me you know you'll have a pension you know you'll have job security and those are things you can't get in a lot of other places tomorrow thank you knew i would never be rich but i thought i would you know be comfortable and have those things that i can you know depend on so that i could make decisions for my family for my kids in the like long term things that my parents weren't able to do everybody sitting here has been betrayed by the state i also met with some police some active some retired it was a major thing for me i felt if i got hired on this police department and if i did what i was supposed to do i got my life planned out i'm going to retire i'm going to have an income coming in i'm going to get health benefits for the rest of my life health benefits for my spouse it it had a major impact on my decision to do this it was kind of the same with me i didn't get into policing a little bit later than normal i was almost 30 as i was very well aware of the of the pension benefit for me that was a big deal i knew that if i could get 20 years out of the career that my wife and i would have health insurance and that i would have some kind of attention when you look at public servants your teachers your cops your firefighters the pension represents our promise to them and also an acknowledgement that we might not be able to pay you what you're worth right now but we're going to be there for you on the back end it used to be that nearly half of all american workers had defined benefit pensions a guarantee that you would get a good percentage of your salary and benefits upon retirement this is the life what with my retirement plan and the few dollars i'd saved i didn't have a thing to worry about workers and their employers contributed funds that were then invested on wall street i'm chairman of the pension fund of this corporation we're looking for a well-diversified list of high-quality bombs and some common stocks over the years private corporations have largely stopped offering to find benefit pension plans most public employees still have them the policy that we'll recommend here gives us a 60 chance of actually achieving the assumed rate of return the decisions about how to invest and grow pension fund money are made by a pension board and its financial advisors and for many years kentucky retirement systems or krs was flush with cash krs investment return on that money for that period estimated to be about 2 billion 20 years ago it looked as if it would not ever have a problem it's got to have an interest rate on it that gives us the same earnings today betty pendergrass sits on the board of krs where was the kentucky retirement system sitting in 1999 it was sitting in it nearly 100 percent funded but then in 2000 the dot-com bubble burst krs lost 1.2 billion dollars i've served in the best of times and now is the worst of times kentucky was suffering but politicians were reluctant to raise taxes to pay the full cost of their bills and they began to divert pension money what will kentucky do that's what you're assembled here in frankfort to decide in kentucky the pension was used basically as a piggy bank the problem was once you've started to short your state pensions to cover the budget shortfall it's hard to just do it the one time one of the few local reporters paying attention was john chiefs been riding for 20 years now about the state's pension system and it's been you know sort of a slow motion car crash chiefs watched as one governor after another invested in roads bridges libraries and more pension obligations were not met as governor i'm thrilled to be able to support this project not only with enthusiasm and congratulations but with money i think it emboldened the politician specifically 2.4 million they realize nobody's paying attention i think they get a little bolder about it and they realize why no one's looking i can do this they have effectively raided pension funds and by rating it means they just simply have not made the payments that they are morally required to make to fund the retirement promises that they've made david sirota is a reporter an opinion writer so instead of making those payments they've used that money for roads schools things that are important but that other tax revenues are not funding and the thing is is that the bill will come due the bill will come due i had heard kind of rumblings from teachers early on like oh they're taking money from our pension fund and this and that i'm like oh they'll fix it you know and that was i think that's kind of where we were you know they'll fix it and then i got married and i had some kids and you know that wasn't what was on my radar and i think a lot of people were like that i had my head in the clouds i'm a teacher i'm busy i got a family i got a life they take a bunch out of my paycheck uh every two weeks and so that's going into a little pile that's gonna accrue interest i figured this is on autopilot i don't have to worry about the pension by 2008 kentucky's pension funds were in very bad shape and things were about to get much worse stunning news on wall street tonight at one point the market fell as if down a well over 700 points the collapse of lehman brothers triggered turmoil in markets around the globe in the 2008 collapse kentucky was hit hard we traveled to kentucky for a firsthand look at how the recession is hurting just about everyone when i first got here things were booming there's a lot more factories that were open and businesses and i mean you can see businesses are closing all over kentucky is to horse racing what detroit is to the american auto industry but even the sport of kings feels the sting of a global recession nearly every sector of kentucky's economy was affected krs lost 2.8 billion dollars [Music] it punched a hole in the boat i mean the boat was taken on water but now we got a halt there was a huge downturn in the funding status because of that crisis and you can't pay that back in five years the economic turmoil of recent years is putting a comfortable retirement at risk for many americans so the investment crews are feeling the pressure to get the returns up so that we're generating more money going into the system now you're swinging for the fences right with less money available many pension funds are under pressure to take on more risk by investing starting in the fall of 2009 kentucky's public pensions decided that to dig out from under they would invest a portion of their portfolio in some of wall street's more exotic and risky investment vehicles like hedge funds is that they're trying to gamble their way out of the problem and wall street was more than happy to answer kentucky's call pension money is extremely important here the world of pensions is a world of money and if you really want to dig around the heart of power of economic power in the united states that's where much of the money on wall street is from the public doesn't necessarily view pensions as giant pools of money going out with a 100 alberta right when you say the word pensions people's eyes gloss over they don't really pay much attention but there's one set of people who are paying a lot of attention that's good and it's the richest and most powerful people in the world on wall street how much money are we talking about in public pensions today there's about three trillion dollars part of it's being paid out in benefits and much of it being invested last fall but here is where it gets tricky knowing how to invest is difficult i'd like to go through all the recommended policies and vote in mass and then if someone some trustees have financial experience but others are police and firefighters appointed to the board to represent their co-workers often not trained in portfolio management they've got their correlation matrices and their risk and return assumptions by asset class it's complicated and some of our trustees don't have that skill set they're better at fighting fires than i am they're better at catching criminals than i am but they don't have the financial skills 3.5 i would like to see sharp ratios for each one of the major asset classes today betty pendergrass is a trustee who has investment experience is are we getting paid for the risk we're taking i mean you know that on wall street they call pension funds dumb money that that hurts but it's true what i would say is the bounds of reason are 350 above the 10-year treasury john ferris is an investment manager in lexington until recently he chaired the krs board he says that wall street regularly exploits pension funds in 2008 only two members of the board had any investment management experience they are much healthier i think that the pension board that was put together between 2008 and 2016 was probably the dumbest of money and thus your 60 billion dollars in the hole exactly how do they amass hundreds of investments when they have no experience and how to choose they just take anything that's recommended it seemed that way a lot of them would say we'll openly admit they're not even you know sure what they're voting on i trusted the state to deal with my money okay i don't know nothing about doing that among those police i spoke to one had served two terms as a krs trustee ed you were a trustee yes now in all due respect you're a police officer are you in a position or equipped to be able to evaluate a complex financial instrument like a hedge fund one of the first things we were told as elected trustees when you went on the board when your responsibility is to be to get yourself educated and the first question i had was how to do it the retirement system sent me and other trustees to different investment symposiums it's a complex thing i did not claim to be an expert in the pension system i knew a little bit about it and i did to the best of my ability to make the best decision with the information i had at the time even with the best information it's hard to choose a winner think of that horse race with only 20 entries in the world of high finance there are 10 000 hedge funds how do you know where to bet one of the first ones krs chose was called aerohawk durable alpha it had no track record and long odds arrowhawk was one of the first sort of alternative investments as we call it where we had these third-party middlemen who would come to kentucky retirement systems and introduce krs to these alternative investments they came to krs and said you should be putting your money in these funds and we think these are the best places for you to invest the state's money these middlemen are called placement agents apparently unbeknownst to us the placement agents were being paid fees so they were compensated very generously for us giving our business to these funds the lead placement agent for aerohawk there's a fellow from new york named glenn's surgeon yeah this is glenn surging yeah so this guy he was the salesman for arrowhawk correct so in 2009 when arrowhawk was being considered the only person on the krs board with much investment management experience was chris tobey he thought it was a risky bet every time you hire a hedge fund you're looking for a fund that has a track record experience right and this one didn't correct but glenn sturgeon had a relationship with adam tosh the chief investment officer of krs at the time tash told us that toby told me that krs's chief investment officer adam tosh convinced the board to invest in arrowhawk which resulted in a large fee from arrowhawk for tasha's man glenn surgeon and how much money was he paid to bring in arrowhawk 2 million for arrowhawk but he brought in some other investments a total of 6 million but at the time of the vote the board didn't know there was a placement agent operating in the background because it was never disposed in financial statements it was never disclosed anywhere even the existence of placement agents i think that one of the key issues is disclosure of placement agent fees and as toby then hired ted seidel a financial crimes investigator they eventually filed a 32-page complaint to the sec i thought it was a good case the sec and state auditors investigated and found no laws were broken but the auditors did conclude that tosh violated krs's disclosure rules tosh left kentucky and has not returned our calls surgeon has since died what's the headline here well the headline was that there were these abuses involving placement agents 14 million dollars had been paid to undisclosed individuals for doing little or nothing it was happening all over the country public funds pay hundreds of millions in placement agent fees so it's a significant problem and it's a real waste of retirement savings arrowhawk proved to be a loser after krs invested 100 million dollars the fund failed and closed down krs eventually recouped its money from arrowhawk but another hedge fund investment involved the camelot group camelot had a manager who in a separate case was charged and pled guilty to personally pocketing over nine million dollars of investors money despite this krs would continue to invest in more hedge funds it was a great big put all of the chips on the red seven that's what we're going to do with pension money for firefighters and cops and janitors an old father is a louisville attorney who recently represented firefighters in a pension related lawsuit they decided we're not going to go public we're not going to say we need help we're going to try to save our rears and this will work isn't that what the gambler always dreams and so they start the beauty contest and they have perhaps 15 hedge fund managers that they interview and meet with and talk to and whittle it down to the final three winners the winners were pacific alternative asset management company or pamco prisma capital partners and blackstone alternative asset management each offered krs so-called funds of funds umbrella vehicles that contain dozens of underlying hedge funds with multiple layers of often hidden fees they are sometimes called black boxes they're putting them together in these black boxes which they so nifty named the henry clay fund the daniel boone fund and the newport kernels fund all for your viewers that are outside of kentucky famous names or entities here in kentucky today hedge funds are deemed by many investment professionals as inappropriate for public pensions because they are expensive and lack transparency [Music] while hedge funds contributed only some of kentucky's pension woes two class action litigators from san diego bill and michelle larocque sensed an opportunity here in 2017 they set up office in louisville have you gotten to a jurisdictional argument they said they were coming to the rescue of kentucky's state workers we are talking about the retirement of 350 000 plus individuals and we're also talking about a matter which quite frankly could bankrupt the state there is so much that we don't know i'm trying to find out what happened here okay that's fine we're just going to not look at it until we get a resubmit yeah the lorax had successfully sued enron for over 7 billion dollars in damages but bill larock had been disbarred and jailed for illegally paying plaintiffs in some other class-action lawsuits so they enlisted an old father as their lead counsel probably is a little bit of watching their own backs our team of lawyers are blessed to have as our consultant bill derock who's a disbarred attorney but indeed an expert in pension fund analysis and so we have somebody right there at our beck and call who has educated us about the breadth of this problem throughout the united states kentucky might be the first one to go down but it won't be the last as lead plaintiff they tapped an old friend of michelle the rocks jeff mayberry a retired state trooper from what i understand the funds were fraught with inflated fees allegedly they were exorbitant they were non-standard they were not of the norm tens of millions of dollars that's what i understand [Music] in the spring of 2018 we attended a pre-trial hearing in a courtroom in frankfurt mayberry faced 31 defense attorneys representing krs board members their financial advisors and the three hedge fund companies obviously the number of defense attorneys did make me realize that that's a big money here and they can afford the best in the country the agreements that these three hedge fund companies entered into with krs were always declared as secret we have never been able to find them in any public record we've never been able to find them on krs's website all of these defendants your honor are seeking to keep private their dealings with krs the defense has called for the case to be dismissed but old father argues that the hedge funds need to fully verify that krs got all the money it should have received that the funds didn't cheat krs by charging hidden fees there are abundant examples of your honor where these three fund managers told krs oh this sub fund manager refuses to disclose their fee charged to the public and the taxpayers of kentucky they say you're on a big fishing expedition looking for damaging inside information that you don't really know if it's there the united states supreme court has said that the point of discovery is to be on a fishing expedition and it is the beauty of civil litigation that we don't have to know a hundred percent of what everybody did when we filed the lawsuit when we survive those motions to dismiss it's going to be time for discovery and i am going to snag a lot of fish there is a belief on their part that if you file a lawsuit and you get your hands on something the public then gets to know about it pamko and prisma said in a letter to frontline that they did exactly what they were hired to do but declined to be interviewed blackstone's attorney spoke to us about the fees we don't know what the fees were exactly i i can tell you what blackstone's fees were right we know what blackstone's fees were that was disclosed but then there's a whole set of sub fees and if you read the contract there's no specificity it's vague if the fees were disclosed the nature of the fees were disclosed the contract laid out the fee structure for the underlying portfolio you're characterizing it a certain way it laid out the fee structures there's no transparency issue in your view there is no transparency issue they know exactly what they received they were target benchmarks that were established they received nearly three times what was expected in the target benchmarks we're still entitled at this point for no one to have prejudged anything that my clients have done we don't know yet in april 2019 an appellate court dismissed the lawsuit the plaintiffs are now taking their case to the kentucky supreme court to defend our reputation just because a complaint shreds us it doesn't mean it's true people in industry and on wall street think that what you're looking to do is to wear them down get them to a settlement and take the money how do you respond to that i was thinking about something that came up in the last hearing when their lawyers you know sort of accused us of grabbing things from discovery and sending them to the media somehow you know look if they're proud of what they do and their business model and how they do it well then stand up and tell the world about it every month kentucky retirement systems makes over 100 000 pension payments with the average retiree receiving around fifteen hundred dollars the total outflow is nearly two billion dollars a year but by 2013 the krs board and kentucky legislators worried that in the future they would not have enough money to meet their obligations in 2013 pensions had moved to the forefront i think people started to realize we let this debt get out of control lawmakers decided it was time to make some drastic changes we changed the system so that you no longer get a defined benefit plan if you're a state employee and you've got this hybrid cash balance plan basically a 401k type plan basically a 401k type plan better than a 401k but not as good as a defined benefit plan the first to be affected were police firefighters and thousands of other public servants public school teachers were spared existing workers would keep their defined benefit pension but all new hires would be moved to a 401k style plan evening reason why i stopped tonight you're swerving the move into 401k style plans this was widely seen as a compromise but it's a big difference and it's a lot more uncertain with a 401k plan tom loftus is a local reporter who covers pensions how did it go down with the policeman and the firemen i don't think it went down well with anybody there is no way that we can continue because of demographics to offer the same plan to people who are not currently state employees one year later after reforms went into effect the pension crisis resurfaced as an issue in the gubernatorial race this time for state teachers and school workers the most important thing to do is stop digging the long shot candidate was matt bevin a former hedge fund manager and tea party favorite we have a legal and a moral obligation his campaign promise was if the pension system is bankrupt inviable contract is moot because if you don't have those dollars to pay those benefits then okay you don't pay those benefits the reality is if the money is not there then we have to think about how do we tighten our budget his big issue is to shrink government in kentucky to make it smaller he believes in private sector he does not believe in government we all represent those his end game is to shrink the pensions our why we indeed will be the next governor and lieutenant governor of this commonwealth of kentucky we had at that time and continue to have the worst funded pension system in the united states need a fresh start we truly do we need a fresh start this tells us that we as a state are in dire risk of becoming financially insolvent and that if we are unable to meet the pension obligations that we have to people this comes at the expense of everything else that we care about everything else that we would fund our state workers who have been promised the pension should be given that pension once in office bevin decided to stop shorting the pension system and to make what are called actuarially required contributions or annual arc payments we have an 82 billion dollar pension problem there are going to be hard decisions made by this body by the house governor bevin is doing what no governor has done for at least 15 16 years which is fully fund the ark again and that's no small achievement and it really is starving much of the rest of the state budget and we had better clean it up that isn't what's controversial what's controversial is he's saying we can't really afford to keep pensions going so teachers from this point forward teachers won't get pensions in kentucky anymore we have exhaustively gone through everything we can to ensure that we do in fact deliver on the promise bevin concluded that the teacher's pension system was unsustainable keeping the promise will save kentucky's pension systems under a proposal called keeping the promise all newly hired teachers would be moved to a 401k on a going forward existing teachers would also contribute a greater percentage of their salary to shore up the old system you were eradicating the pension for new teachers correct i mean this is in other words for new people who are not currently employed by the state they would not be given a defined benefit plan because it is not possible to promise that to them with any confidence that we can deliver we can't i think this is a very morally sound plan state senator robert stivers endorsed the plan it's something that the people of kentucky will understand and accept as the direction we need to go in future years a passionate crowd of state workers educators and retirees took to the steps of the state capitol with one message they want their pension the proposed bill calls for new employees to move to a 401k style plan and current employees kick in 3 percent of their salaries to shore up retiree health care funds you're going to be looking at specific countries and we're going to look at each one christina frederick trosper the teacher from knox county was alarmed her salary was already a challenge to live on kentucky's teachers have seen their wages adjusted for inflation increased by less than half a percentage point in the last two decades now trosper feared that lawmakers would come after her pension in about august september i really started paying attention to what was happening and just everything just kind of snowballed for me like all of it just kind of came together you dug the hole i didn't dig the hole one day trosper attended a town meeting and confronted senator stivers about his plan you all made a conscious decision to not fund your obligation and i don't care when you got elected or whatever but you've been there during the years that it has not been funded properly i want to know how are you going to raise the revenue to fund it properly because i promise you your days in the senate will be no longer they will be it seemed like something snapped in you yeah it did and i told everybody i had an out-of-body experience i mean i'm a loud person and i'm not the type of person who you know sits back a lot of times but i shocked myself i went when you told me i was going to get my insurance is crap my pay is crap but i love what i do when i was promised this pension and what you're proposing is going to kill us you will kill us you will kill public education i understand that lady perfectly she is having certain fear of an unknown system where she's very comfortable with a known system and she's worried there will be less incentive for teachers to sign up knowing that they won't have a defined benefit pension plan and that she has young children and the quality of the teachers for them will be less well that that's an opinion there are many teachers that are teaching in the parochial systems that don't have those types of systems and they have very good outcomes and results universities i don't think many teachers have defined benefit pensions in universities now they're paid differently and more and more and that's a difference teachers in kentucky were not alone in february 2018 teachers in west virginia rallied to protest low pay and benefits 36 000 teachers walked out of class today west virginia teachers in turn sparked similar demonstrations in oklahoma and arizona it's the latest in a wave of protests sweeping across the country led by teachers who say the future of public education is at stake i think west virginia inspired us because i have next door in a mountain state that struggles with the same types of things that we do and that they were able to achieve their goals i think really ignited us bevin's controversial keeping the promise reforms were crafted into senate bill 1.
leading the charge was senator joe bowen who five years earlier had pushed through that pension bill affecting cops firefighters please ladies and please they'd like to have your hide some well the teachers were out there chanting yeah look at the end of the day we're trying to save the system for them that's that's the irony of all of this in my mind anyway is that here we are trying to save the systems and we're getting all this pushback angry and fearful teachers became a regular presence in the state capitol i'm the only governor in the lifetime of any of these teachers that has fully funded the plan and yet they seemingly hate what we're doing on a local radio show governor bevin shot back i mean reality is this is a group of people that are throwing into temperature and i'm surprised bevin has made a number of controversial statements about teachers over the last few months most politicians do not want to be seen as critical of teachers i mean matt bevin obviously has decided he's comfortable crossing the line i'm just flabbergasted at how remarkably uninformed folks are there's an old saying that you can't win an argument with an ignorant person and so if a person is uninformed about a topic they're not even able to make their own case for what they believe these are educated people with with the ability to listen and to understand so if they truly still believe that this is bad for them it is due to being misinformed and they're like how dare you say we don't understand well the choice of language is such agreed you're seen as arrogant dismissive talking down to teachers firemen policemen if people want to be offended they can be offended by anything you can parse things take things out of context even take them in context you think you must be inappropriately careful in your choice of language and really serve this debate and i think of people in a constructive way yes you do whether does everybody agree with that no no regrets no here's the thing i'm trying to save a system that needs to be saved by march 2018 the pension bill had stalled and time was running out so with just a few days left in the legislative session state republicans tried a last-minute maneuver if we do not take action on this pension bill they will be massive layoffs across the commonwealth of kentucky and we're called into a crowded capital committee room we do not handed a bill and told they were going to vote on it this is a good compromise plan but it turns out that they were handed a sewage bill that they were swapping out anything that had to do with sewers and putting in languages that changed the pension system in kentucky forever going forward well first of all this is very unfair to vote on a bill but i don't even check the number of pages that are on this field and then ask us to make this this decision today and then limit the discussion and no one had a chance to read it outside of the republican members of the senate i mean the democrats hadn't had a chance to read it the teachers association the public the press nobody else knew what was in there and this thing's about to become law this is a committee meeting sir yes sir it is and we're allowed to ask questions or anything pertaining to this bill which none of us have seen except a couple of you guys i've never seen such garbage thrown out here in my years in service we've had three or four there was a lot of anger in the room extreme it was an unpleasant task i was asked to do no one wants to make other people unhappy and i will say i voted on plenty of bills i didn't get to read unfortunately i had no choice but you have to consider all of the factors we couldn't pass a budget if we didn't have a pension bill and that is why i agreed we've got to get this bill back to the floor so we can have a debate full debate on it knowing that the optics were terrible i'm concerned first of all that what we're doing is illegal i'm i'm hoping that we can have a representative of the teacher organization to testify here today on this bill would that be permitted mr chairman uh that's not on the uh in the order no is there could you explain why we're not having a representative of the teachers to testify on this bill since they are the main people who are going to be affected by it we have heard loud and clear how the teachers feel about sb1 and this plan has made changes responsive to those questions does anyone have a question on the bill well that's why i'm asking these questions about the bill representative richards can i finish my my my time mr chairman i've called on representative richards representative richards it became clear to everyone in the room that the republican majority was not interested in hearing the democrats objections to the bill seeing no other questions madam secretary please call the role mr chairman it was absolutely just gut-wrenching to watch them vote you're out of order sir you're out order too by this statue it was well this is what we're going to do and this is how we're going to do it and we're going to over vote you because we have a super majority uh all in favor of the title amendment signified by saying aye aye all opposed no this committee is adjourned how can you guys shave in the morning without cut your throat everyone's upset tensions are high and that's when we had 5 000 teachers show up in frankfurt many teachers and state employees are upset about being caught off guard and not having a chance to see the bill before it passed in 20 years at the state capitol i'd never seen protests like that the teachers kept coming and coming they were there every day [Music] [Applause] [Music] decades ago that general assembly made you a promise they said if you dedicate your life to public service then while we wouldn't pay you enough we would guarantee you a solid retirement but they broke their promises [Applause] and they broke the law yes yes because the law doesn't allow you to change a sewage bill into a pension bill and pass it on the same day that's government that just like another slap in the face to take our pension bill and put it onto a sewer bill we thought oh that's symbolic [Applause] it was perfect i mean they couldn't have chosen a better metaphor here's your here's your uh here's your sewage get the new york money managers out of my pension [Applause] [Music] [Applause] [Music] many like randy weak blame wall street for creating the mess [Applause] others blamed the governors and lawmakers who neglected the pension fund over decades [Applause] inside the capitol with teachers filling the gallery lawmakers debated how to cut the budget to shore up the pension fund [Music] many of the cuts proposed were to public [Music] education system that all of us want to have i can submit to you this budget that's not good [Applause] i think teachers are beginning to realize that the whole system is under assault what is going to happen to that generation of children will they be able to learn if they come into school because the social safety net and it's very thin as it is has been shredded that the textbooks and learning materials in this budget are sliced by 16.7 million dollars [Music] all of those that are up for re-election right now that we're not friends public education we're hoping that they won't be there it is sad that we are where we are but unfortunately we have to take action everybody's going to be shocked to see how many of us come out in force to put in pro public education candidates [Applause] for now kentucky's attorney general has successfully blocked bevin's sewer bill in court but teachers are afraid of what the future holds the pensions of some other kentucky state workers are facing insolvency in around three years teachers worry that when the time comes for them to retire the state won't have the money to pay their pensions [Applause] state lawmakers don't want to raise taxes voters don't want to accept tax increases retirees i think rightfully don't want to accept cuts to benefits that they were promised so in kentucky the bill's coming due now we are going to see situations where pension funds literally do not have the money to pay out benefits to people who have been promised those benefits and yet i'm being fought in some instances by the very people that we're trying to save it's like saving the drowning victim it's like somebody they're fighting you biting you pulling you under you just need to knock them out and drag them to shore yeah for their own good and and we have to save this system governor matt bevin couldn't put it any more succinctly than that i appreciate the wake-up call i won't be the governor when this thing falls apart it's tough medicine but to save the system the next governor regardless of who they are or what ideology they represent it won't matter what lie they give reality will come crashing home [Applause] [Music] the end game is pretty clear pensions are on their way out [Applause] so we're going to have within the next generation or two is americans who are going to have terribly insecure retirements they're going to have to live on whatever they've managed to squirrel away to their own savings teachers the one benefit you got for sure was a pension to retire on with some security and dignity at the end of your career but in kentucky after the summer that might be gone what happens if you have no pension i don't want to think about that i don't know i don't i don't know that's excellent what is the difference between the first 16 problems many of us teachers are working paycheck to paycheck trying to make ends meet like a pivotal point right like it's like a make or a break i have no savings so my pension is everything without that i won't survive take your papers with you got a great day i'll see your beautiful faces tomorrow [Music] for more on this and other frontline programs visit our website at pbs.org frontline [Music] to water front lines the pension gamble on dvd visit shop pbs or call 1-800 play pbs this program is also available on amazon prime video [Music] foreign
Read MoreSaving for Retirement According to Your Age
Jason 0 Comments Retirement Planning
Let’s take a look. If you’re in your 20s 30s 40s or 50s – What is the game plan? Here this is really cool. I think this helps people and also maybe might motivate you to take action a little bit more. Let’s say you’re 30 years old, you want to have at least one times your salary saved. So if you’re making $50,000 a year ,you want to make sure that you have 50 gramme in the bank. Let’s jump up to 45. You want to have 4 times your annual income saved. Once you get into your 60s, right, that’s 8 times. That’s a huge number! And you know, procrastination is probably one of the key components of why people are not necessarily successful, but at least this put you in the… I mean one of the biggest questions Al and I I get is, “Am I on track? How do I compare to other people that you see?” Well this is a good idea to take a look at how much money are you making, multiplied by those factors, and then that’s going to get you in the ballpark.
Right? Because I think a lot of times it’s just simple arithmetic. How much money do I need to maintain the lifestyle that I want long-term? Most of you don’t have enough. We’re not here to put fear in you. We want to make sure that you’re responsible to look at, “Hey, how much do I need?” To give you the confidence to do all the things that you want to do in retirement. Hey, Joe, why don’t we do kind of a simple example of let’s say some different ages. Perhaps your age 40 or 50 or 60.
Let’s say you have $50,000 saved. Let’s say you want to reach that $500,000 savings goal. Well, how much do you need to save per month to be able to do that? In this slide it’s showing you $179 per month if you’re 40. Look what happens if you’re in your 50s. $862 dollars per month and if you’re 60 you got to fast track this. That’s $3,875 per month. That’s of course at a 7% rate of return and assuming that you retired age 67.
Just four grand a month. Oh yeah, no problem. That does show why you want to start as early as possible when you’re saving. .
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Read MoreMoney Mentors: When it comes to retirement, get out of your own way
Jason 0 Comments Retire Wealthy Retirement Planning Tips for Retiree's
LOW LOW 20S LOW 20S 4@THIS LOW 20S 4@THIS 4@INSTALLMENT LOW 20S 4@THIS 4@INSTALLMENT OF LOW 20S 4@THIS 4@INSTALLMENT OF
CASH LOW 20S 4@THIS 4@INSTALLMENT OF
MONEY COACHES LOW 20S 4@THIS 4@INSTALLMENT OF
CASH COACHES IS LOW 20S 4@THIS 4@INSTALLMENT OF
MONEY COACHES IS FUNDED LOW 20S 4@THIS 4@INSTALLMENT OF
MONEY COACHES IS FUNDED BY LOW 20S 4@THIS 4@INSTALLMENT OF
CASH ADVISORS IS SPONSORED BY
MATTSON LOW 20S 4@THIS 4@INSTALLMENT OF
CASH MENTORS IS SPONSORED BY
MATTSON FINANCIAL LOW 20S 4@THIS 4@INSTALLMENT OF
CASH COACHES IS SPONSORED BY
MATTSON FINANCIAL PREPARATION LOW 20S 4@THIS 4@INSTALLMENT OF
CASH MENTORS IS SPONSORED BY
MATTSON FINANCIAL PREPARATION 4@FO MONEY MENTORS IS SPONSORED BY
MATTSON FINANCIAL PREPARATION 4@FO MONEY MENTORS IS SPONSORED BY
MATTSON FINANCIAL PREPARATION 4@FO
YOUR CASH COACHES IS SPONSORED BY
MATTSON FINANCIAL PLANNING 4@FO
YOUR LIFE MONEY MENTORS IS SPONSORED BY
MATTSON FINANCIAL PREPARATION 4@FO
YOUR LIFE IS CASH MENTORS IS SPONSORED BY
MATTSON FINANCIAL PLANNING 4@FO
YOUR LIFE IS ALWAYS MONEY MENTORS IS SPONSORED BY
MATTSON FINANCIAL PREPARATION 4@FO
YOUR LIFE IS ALWAYS PERSONAL MATTSON FINANCIAL PREPARATION 4@FO
YOUR LIFE IS ALWAYS PERSONAL MATTSON FINANCIAL PLANNING 4@FO
YOUR LIFE IS ALWAYS PERSONAL
AND MATTSON FINANCIAL PLANNING 4@FO
YOUR LIFE IS ALWAYS PERSONAL
AND ALSO A MATTSON FINANCIAL PREPARATION 4@FO
YOUR LIFE IS ALWAYS PERSONAL
AS WELL AS A WHOLE LOT MATTSON FINANCIAL PLANNING 4@FO
YOUR LIFE IS ALWAYS PERSONAL
AND ALSO A GREAT DEAL OF MATTSON FINANCIAL PREPARATION 4@FO
YOUR LIFE IS ALWAYS PERSONAL
AND ALSO A GREAT DEAL OF TIMES MATTSON FINANCIAL PREPARATION 4@FO
YOUR LIFE IS ALWAYS PERSONAL
AND A GREAT DEAL OF TIMES YO4@U MATTSON FINANCIAL PREPARATION 4@FO
YOUR LIFE IS ALWAYS PERSONAL
AND A WHOLE LOT OF TIMES YO4@U 4@WANT YOUR LIFE IS ALWAYS PERSONAL
AND ALSO A GREAT DEAL OF TIMES YO4@U 4@WANT YOUR LIFE IS ALWAYS PERSONAL
AND A GREAT DEAL OF TIMES YO4@U 4@WANT
BE YOUR LIFE IS ALWAYS PERSONAL
AND ALSO A GREAT DEAL OF TIMES YO4@U 4@WANT
REMAIN IN YOUR LIFE IS ALWAYS PERSONAL
AND A WHOLE LOT OF TIMES YO4@U 4@WANT
REMAIN IN FULL YOUR LIFE IS ALWAYS PERSONAL
AS WELL AS A WHOLE LOT OF TIMES YO4@U 4@WANT
BE IN FULL CONTROL.YOUR LIFE IS ALWAYS
PERSONAL AND A GREAT DEAL OF TIMES YO4@U 4@WANT BE IN FULL CONTROL.
YOUR LIFE IS ALWAYS PERSONAL AND ALSO A LOT OF TIMES YO4@U 4@WANT REMAIN IN FULL CONTROL.
BUT COULD AND A GREAT DEAL OF TIMES YO4@U 4@WANT BE IN FULL CONTROL.
BUT COULD AND A GREAT DEAL OF TIMES YO4@U 4@WANT REMAIN IN FULL CONTROL.
BUT COULD YOU AS WELL AS A GREAT DEAL OF TIMES YO4@U
4@WANT BE IN FULL CONTROL.
BUT COULD YOU PROFIT AND ALSO A GREAT DEAL OF TIMES YO4@U 4@WANT REMAIN IN FULL CONTROL. BUT COULD YOU PROFIT BY AND A WHOLE LOT OF TIMES YO4@U 4@WANT REMAIN IN FULL CONTROL. COULD YOU BENEFIT BY GETT4@ING AND A GREAT DEAL OF TIMES YO4@U 4@WANT
REMAIN IN FULL CONTROL.BUT COULD YOU PROFIT BY GETT4@ING OUT AS WELL AS A LOT OF TIMES YO4@U 4@WANT REMAIN IN FULL CONTROL. BUT COULD YOU PROFIT BY GETT4@ING OUT OF BE IN FULL CONTROL.
YOU PROFIT BY GETT4@ING OUT OF BE IN FULL CONTROL. YOUR BE IN FULL CONTROL.
BUT COULD YOU BENEFIT BY GETT4@ING OUT OF YOUR OWN BE IN FULL CONTROL.
BUT COULD YOU BENEFIT BY GETT4@ING OUT OF YOUR OWN WAY REMAIN IN FULL CONTROL.
BUT COULD YOU PROFIT BY GETT4@ING OUT OF YOUR OWN METHOD WHEN BE IN FULL CONTROL.BUT COULD YOU PROFIT BY GETT4@ING OUT OF YOUR OWN WAY WHEN IT BE IN FULL CONTROL
. BUT COULD YOU PROFIT BY GETT4@ING OUT OF YOUR OWN WAY WHEN IT COMES BE IN FULL CONTROL.
YOUR RETIREMENT PLAN.
SIGNING UP WITH YOUR OWN METHOD WHEN
IT CONCERNS YOUR RETIREMENT.
SIGNING UP WITH YOUR OWN METHOD WHEN IT INVOLVES YOUR RETIREMENT STRATEGY.
SIGNING UP WITH US YOUR OWN METHOD WHEN IT CONCERNS YOUR RETIRED LIFE PLAN.
JOINING US TODAY YOUR OWN MEANS WHEN IT CONCERNS YOUR RETIRED LIFE STRATEGY.
SIGNING UP WITH United States TODAY ARE YOUR OWN WAY WHEN IT CONCERNS YOUR RETIREMENT STRATEGY.
SIGNING UP WITH United States TODAY ARE GARY YOUR OWN METHOD WHEN IT INVOLVES YOUR RETIRED LIFE PLAN.
JOINING United States TODAY ARE GARY MATTSON YOUR OWN MEANS WHEN IT PERTAINS TO YOUR RETIREMENT.
JOINING United States TODAY ARE GARY MATTSON AND YOUR RETIREMENT STRATEGY. SIGNING UP WITH United States TODAY ARE GARY MATTSON AND YOUR RETIRED LIFE STRATEGY. SIGNING UP WITH US TODAY ARE GARY MATTSON AND TAYLOR YOUR RETIRED LIFE STRATEGY.
TAYLOR STEWART YOUR RETIREMENT
PLANSTRATEGY TAYLOR STEWART PART YOUR RETIRED LIFE PLAN. TAYLOR STEWART PART OF YOUR RETIRED LIFE STRATEGY
.
TAYLOR STEWART COMPONENT OF THE GROUP US TODAY ARE GARY MATTSON AND. TAYLOR STEWART COMPONENT OF THE TEAM
US TODAY ARE GARY MATTSON AND. TAYLOR STEWART PART OF THE TEAM.
WITH United States TODAY ARE GARY MATTSON AND.
TAYLOR STEWART COMPONENT OF THE TEAM. WITH MATTSON United States TODAY ARE GARY MATTSON AND. TAYLOR STEWART PART OF THE TEAM.
WITH MATTSON FINANCIAL United States TODAY ARE GARY MATTSON AND. WITH MATTSON FINANCIAL 4@IT US TODAY ARE GARY MATTSON AND. WITH MATTSON FINANCIAL 4@IT IS TAYLOR STEWART COMPONENT OF THE TEAM.
WITH MATTSON FINANCIAL 4@IT IS.
FULL SOLUTION FINANCIAL AND WITH MATTSON FINANCIAL 4@IT IS.
COMPLETE FINANCIAL AS WELL AS WITH MATTSON FINANCIAL
4@IT IS. COMPLETE FINANCIAL AND. RETIREMENT WITH MATTSON FINANCIAL 4@IT IS. FULL SOLUTION FINANCIAL AND. RETIREMENT COMPANY WITH MATTSON FINANCIAL 4@IT IS. COMPLETE SERVICE FINANCIAL AND.
RETIRED LIFE FIRM IN WITH MATTSON FINANCIAL 4@IT IS.
COMPLETE FINANCIAL AND.
RETIRED LIFE FIRM IN THE WITH MATTSON FINANCIAL 4@IT
IS. COMPLETE FINANCIAL AND.
RETIRED LIFE COMPANY IN THE GRAND FULL SERVICE FINANCIAL AND. RETIRED LIFE FIRM IN THE GRAND COMPLETE FINANCIAL AND.
RETIRED LIFE FIRM IN THE GRAND. RAPIDS COMPLETE FINANCIAL AND. RETIRED LIFE FIRM IN THE GRAND. RAPIDS AREA.FULL SERVICE FINANCIAL AND. RETIREMENT FIRM IN THE GRAND. RAPIDS LOCATION. WELCOME COMPLETE FINANCIAL AND.
RETIRED LIFE FIRM IN THE GRAND.
WELCOME TO FULL SOLUTION FINANCIAL AND. WELCOME TO BOTH COMPLETE SERVICE FINANCIAL AND.
RETIREMENT FIRM IN THE GRAND. RAPIDS LOCATION.
WELCOME TO BOTH OF RETIRED LIFE COMPANY IN THE GRAND. RAPIDS AREA. WELCOME TO BOTH OF RETIRED LIFE COMPANY IN THE GRAND.
RAPIDS LOCATION. WELCOME TO BOTH OF. YOU. RETIREMENT FIRM IN THE GRAND. RAPIDS LOCATION.
WELCOME TO BOTH OF. SAY THANKS TO RETIRED LIFE COMPANY IN THE GRAND. RAPIDS LOCATION.
RETIREMENT FIRM IN THE GRAND.
RAPIDS LOCATION. WELCOME TO BOTH OF.
YOU. THANKS. HOW RETIRED LIFE FIRM IN THE GRAND.
RAPIDS AREA. WELCOME TO BOTH OF.
HOW LOTS OF RETIREMENT COMPANY IN THE GRAND. RAPIDS AREA.
WELCOME TO BOTH OF. HOW MANY TIMES RAPIDS LOCATION.
YOU. THANK YOU. HOW LOTS TIMES RAPIDS AREA.
WELCOME TO BOTH OF.
YOU.THANK YOU. THE AMOUNT OF TIMES. YOU RAPIDS LOCATION.
WELCOME TO BOTH OF. HOW MANY TIMES.
YOU SEE RAPIDS LOCATION. WELCOME TO BOTH OF
. YOU.
THANK YOU. HOW MANY TIMES.
YOU SEE FOLKS COME INTO RAPIDS AREA. YOU SEE PEOPLE COME RIGHT INTO YOUR YOU. YOU SEE INDIVIDUALS COME RIGHT INTO YOUR YOU.
YOU SEE FOLKS ENTER INTO YOUR.
OFFICE YOU. THANK YOU. THE NUMBER OF TIMES.
YOU SEE INDIVIDUALS COME INTO YOUR.
OFFICE AS WELL AS YOU. THANK YOU. HOW LOTS OF TIMES.
YOU SEE INDIVIDUALS ENTER YOUR.
OFFICE AND SAY YOU.THANK YOU.
THE NUMBER OF TIMES.
YOU SEE INDIVIDUALS COME INTO YOUR.
OFFICE AND SAY I YOU. THANKS. THE AMOUNT OF TIMES.
YOU SEE PEOPLE COME INTO YOUR.
WORKPLACE AND SAY I GOT YOU. THANKS. THE AMOUNT OF TIMES.
YOU SEE PEOPLE COME RIGHT INTO YOUR.
OFFICE AS WELL AS SAY I OBTAINED THIS YOU. THANKS. HOW LOTS TIMES.
YOU SEE PEOPLE ENTER INTO YOUR.
OFFICE AS WELL AS SAY I GOT THIS I YOU SEE FOLKS ENTER INTO YOUR.
OFFICE AS WELL AS SAY I GOT THIS I YOU SEE INDIVIDUALS ENTER YOUR.
OFFICE AS WELL AS SAY I GOT THIS I.
KNOW YOU SEE INDIVIDUALS COME RIGHT INTO YOUR.
WORKPLACE AND ALSO SAY I OBTAINED THIS I.
KNOW WHAT YOU SEE INDIVIDUALS ENTER YOUR.
WORKPLACE AS WELL AS SAY I OBTAINED THIS I.
KNOW WHAT I YOU SEE FOLKS ENTER INTO YOUR.
OFFICE AND ALSO SAY I OBTAINED THIS I.
KNOW WHAT I NEED YOU SEE FOLKS ENTER YOUR.
OFFICE AND ALSO SAY I OBTAINED THIS I.
KNOW WHAT I NEED BUT YOU SEE PEOPLE ENTER INTO YOUR.
OFFICE AND SAY I GOT THIS I.
KNOW WHAT I REQUIRED BUT YOU YOU SEE FOLKS ENTER INTO YOUR.
WORKPLACE AS WELL AS SAY I OBTAINED THIS I.
KNOW WHAT I REQUIRED BUT YOU UNDERSTAND WORKPLACE AND ALSO SAY I OBTAINED THIS I.
KNOW WHAT I REQUIRED BUT YOU UNDERSTAND WORKPLACE AND ALSO SAY I GOT THIS I.
KNOW WHAT I NEED BUT YOU UNDERSTAND.
STEP OFFICE AS WELL AS SAY I OBTAINED THIS I.
KNOW WHAT I NEED BUT YOU RECOGNIZE.
STEP APART OFFICE AND ALSO SAY I GOT THIS I.
KNOW WHAT I NEED BUT YOU KNOW.
ACTION ASIDE I'' M OFFICE AS WELL AS SAY I OBTAINED THIS I. KNOW WHAT I REQUIRED BUT YOU KNOW.
ACTION ASIDE I'' M IN OFFICE AND SAY I OBTAINED THIS I.
KNOW WHAT I NEED BUT YOU UNDERSTAND.
STEP ASIDE I'' M IN RIGHT HERE WORKPLACE AND SAY I OBTAINED THIS I.
KNOW WHAT I REQUIRED BUT YOU UNDERSTAND.
STEP ASIDE I'' M IN RIGHT HERE WITH OFFICE AND SAY I GOT THIS I.
KNOW WHAT I NEED BUT YOU KNOW.
ACTION ASIDE I'' M IN BELOW WITH MY KNOW WHAT I NEED'BUT YOU RECOGNIZE. ACTION ASIDE I ' M IN BELOW WITH MY KNOW WHAT I NEED BUT YOU UNDERSTAND. ACTION ASIDE I ' M IN BELOW WITH MY. STRATEGY KNOW WHAT I REQUIRED BUT YOU UNDERSTAND.
ACTION ASIDE I ' M IN HERE WITH MY. PLAN ASSISTANCE KNOW WHAT I REQUIRED BUT YOU RECOGNIZE.
ACTION ASIDE I ' M IN BELOW WITH MY. STRATEGY AID ME KNOW WHAT I REQUIRED BUT YOU RECOGNIZE.
STEP ASIDE I ' M IN HERE WITH MY. STRATEGY ASSISTANCE ME MAKE KNOW WHAT I REQUIRED'BUT YOU UNDERSTAND.
STEP ASIDE I ' M IN BELOW WITH MY.
STRATEGY AID ME MAKE THIS RECOGNIZE WHAT I NEED BUT YOU UNDERSTAND.
ACTION ASIDE I ' M IN RIGHT HERE WITH MY. STRATEGY AID ME MAKE THIS HAPPEN.STEP ASIDE I ' M IN RIGHT HERE WITH MY. PLAN AID ME MAKE THIS OCCUR.
STEP ASIDE I ' M IN HERE WITH MY. PLAN ASSISTANCE ME MAKE THIS TAKE PLACE.
YES. STEP ASIDE I ' M IN HERE WITH MY. STRATEGY HELP ME MAKE THIS OCCUR.
OF COURSE. STEP ASIDE I ' M IN HERE WITH MY. STRATEGY ASSISTANCE ME MAKE'THIS TAKE PLACE.
YES. SO WE ACTION ASIDE I ' M IN RIGHT HERE WITH MY. STRATEGY HELP ME MAKE THIS OCCUR.
INDEED. SO WE SEE STEP ASIDE I ' M IN RIGHT HERE WITH MY. STRATEGY ASSISTANCE ME MAKE THIS HAPPEN.
OF COURSE. WE SEE IT STEP ASIDE I ' M IN RIGHT HERE WITH MY. PLAN ASSISTANCE ME MAKE THIS OCCUR. YES.
WE SEE IT QUITE ACTION ASIDE I ' M IN RIGHT HERE WITH MY. TYPICALLY 4@ONE OF PLAN ASSISTANCE ME MAKE THIS HAPPEN. TYPICALLY 4@ONE OF THE PLAN HELP ME MAKE THIS TAKE PLACE.
WILL YES. SO WE SEE IT ON A REGULAR BASIS. TYPICALLY 4@ONE OF THE PARTNERS.
WILL MAKE YES. SO WE SEE IT FREQUENTLY. TYPICALLY 4@ONE OF THE SPOUSES.
WILL CERTAINLY MAKE THAT YES. WE SEE IT QUITE OFTEN. TYPICALLY 4@ONE OF THE SPOUSES.
WILL CERTAINLY MAKE THAT APPOINTMENT YES.SO WE SEE IT QUITE OFTEN. TYPICALLY 4@ONE OF THE SPOUSES.
WILL CERTAINLY MAKE THAT VISIT AND TYPICALLY 4@ONE OF THE SPOUSES.
WILL CERTAINLY MAKE THAT CONSULTATION AND ALSO TYPICALLY 4@ONE OF THE SPOUSES.
WILL CERTAINLY MAKE THAT APPOINTMENT AND ALSO.
THEY ' LL COME TYPICALLY 4@ONE OF THE
SPOUSES. THEY ' LL COME IN TYPICALLY 4@ONE OF THE PARTNERS. THEY ' LL COME IN 4@AND TYPICALLY 4@ONE OF THE PARTNERS.
WILL MAKE THAT APPOINTMENT AS WELL AS.
THEY'' LL COME IN 4@AND THE TYPICALLY 4@ONE OF THE SPOUSES.
WILL CERTAINLY MAKE THAT CONSULTATION AND.
THEY'' LL BE AVAILABLE IN 4@AND THE OTHER WILL CERTAINLY MAKE THAT APPOINTMENT AND.
THEY'' LL COME IN 4@AND THE OTHER WILL CERTAINLY MAKE THAT APPOINTMENT AS WELL AS.
THEY'' LL CAN BE FOUND IN 4@AND THE OTHER. ONE WILL MAKE THAT VISIT AS WELL AS.
THEY'' LL BE AVAILABLE IN 4@AND THE OTHER. ONE MIGHT WILL MAKE THAT APPOINTMENT AS WELL AS.
THEY'' LL COME IN 4@AND THE OTHER. ONE MIGHT NOT WILL MAKE THAT APPOINTMENT AND.
THEY'' LL CAN BE FOUND IN 4@AND THE OTHER. ONE MAY NOT BE WILL MAKE THAT APPOINTMENT AND ALSO.
THEY'' LL BE AVAILABLE IN 4@AND THE OTHER. ONE MAY NOT BE COMPLETELY WILL MAKE THAT VISIT AND.
THEY'' LL COME IN 4@AND THE OTHER. ONE MIGHT NOT BE TOTALLY ON WILL MAKE THAT VISIT AS WELL AS.
THEY'' LL COME IN 4@AND THE OTHER. ONE MAY NOT BE TOTALLY ON BOARD THEY'' LL COME IN 4@AND THE OTHER.
WI4@TH THEY'' LL COME IN 4@AND THE OTHER. ONE MAY NOT BE COMPLETELY ABOARD.
WI4@TH IT THEY'' LL COME IN 4@AND THE OTHER. ONE MIGHT NOT BE TOTALLY ABOARD.
WI4@TH IT AND ALSO THEY'' LL BE AVAILABLE IN 4@AND THE OTHER. ONE MIGHT NOT BE COMPLETELY ON BOARD.
WI4@TH IT AS WELL AS THEY THEY'' LL COME IN 4@AND THE OTHER. ONE MIGHT NOT BE COMPLETELY ABOARD.
WI4@TH IT AS WELL AS THEY MAY THEY'' LL CAN BE FOUND IN 4@AND THE OTHER. ONE MAY NOT BE COMPLETELY ON BOARD.
WI4@TH IT AND ALSO THEY MAY HAVE THEY'' LL CAN BE FOUND IN 4@AND THE OTHER.
ONE MIGHT NOT BE TOTALLY ON BOARD.
WI4@TH IT AND THEY MAY HAVE DON ONE MAY NOT BE COMPLETELY ON BOARD.
WI4@TH IT AND ALSO THEY MAY HAVE DON ONE MAY NOT BE TOTALLY ABOARD.
WI4@TH IT AND THEY MAY HAVE DON.
A ONE MIGHT NOT BE TOTALLY ON BOARD.
WI4@TH IT AND THEY MAY HAVE DON.
An EXTREMELY ONE MAY NOT BE TOTALLY ABOARD.
WI4@TH IT AND ALSO THEY MAY HAVE DON.
A GREAT ONE MIGHT NOT BE TOTALLY ABOARD.
WI4@TH IT AS WELL AS THEY MAY HAVE DON.
A GREAT WORK ONE MIGHT NOT BE COMPLETELY ON BOARD.
WI4@TH IT AS WELL AS THEY MAY HAVE DON.
An EXTREMELY GOOD WORK CONSERVING ONE MAY NOT BE FULLY ABOARD.
WI4@TH IT AND THEY MAY HAVE DON.
A REALLY GREAT TASK CONSERVING BUT ONE MIGHT NOT BE COMPLETELY ABOARD.
WI4@TH IT AND ALSO THEY MAY HAVE DON.
A REALLY GOOD WORK SAVING BUT THEY WI4@TH IT AND THEY MAY HAVE DON.
A VERY EXCELLENT JOB SAVING BUT THEY WI4@TH IT AS WELL AS THEY MAY HAVE DON.
A GREAT JOB SAVING BUT THEY.
SIMPLY WI4@TH IT AND ALSO THEY MAY HAVE DON.
A GREAT TASK SAVING BUT THEY.
JUST DON ' T. 4@A WHOLE LOT WI4@TH IT AS WELL AS THEY MAY HAVE DON. JUST DON ' T. 4@A WHOLE LOT OF TIMES WI4@TH IT AS WELL AS THEY MAY HAVE DON. SIMPLY DON ' T. 4@A LOT OF TIMES YO A VERY GOOD JOB CONSERVING BUT THEY.
DON'' T An EXCELLENT JOB
SAVING BUT THEY. SIMPLY DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE An EXCELLENT JOB SAVING BUT THEY.
DON ' T HAVE THE A VERY GREAT WORK SAVING BUT THEY. SIMPLY DON ' T. 4@A LOT OF TIMES YO.
SIMPLY DON'' T. 4@A GREAT DEAL OF TIMES YO
. DON ' T HAVE THE VARIOUS DEVICES JUST DON'T.4@A GREAT DEAL OF TIMES YO.
DON ' T HAVE THE
DIFFERENT DEVICES SIMPLY DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE THE
DIFFERENT TOOLS. THAT JUST PUT ON ' T. 4@A LOT OF TIMES YO. DON ' T HAVE THE
DIFFERENT TOOLS. THAT ARE SIMPLY DON '
T. 4@A WHOLE LOT OF TIMES YO. DON ' T HAVE THE
VARIOUS DEVICES. THAT ARE REQUIRED JUST DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE THE
DIFFERENT DEVICES. THAT ARE REQUIRED TO JUST
DON'T.4@A GREAT DEAL OF TIMES YO. DON'' T HAVE THE VARIOUS'TOOLS. THAT ARE NEEDED TO MAKE4 @ SIMPLY DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE THE
DIFFERENT DEVICES. THAT ARE NEEDED TO MAKE4 @ SURE DON ' T HAVE THE DIFFERENT DEVICES. THAT ARE REQUIRED TO MAKE4 @ SURE DON ' T HAVE THE VARIOUS TOOLS. THAT ARE REQUIRED TO MAKE4 @ SURE. THAT DON ' T HAVE THE DIFFERENT DEVICES.
THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY DON'' T HAVE THE DIFFERENT TOOLS. THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS DON'' T HAVE THE DIFFERENT TOOLS. THAT ARE NEEDED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING DON'' T HAVE THE DIFFERENT TOOLS. THAT ARE NEEDED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO DON'' T HAVE THE VARIOUS TOOLS.
THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST THAT ARE NEEDED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
THROUGH THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIRED LIFE THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
WITH RETIREMENT AS WELL AS THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIREMENT WHICH THAT 4@MONEY IS GOING TO LAST.
VIA RETIRED LIFE WHICH THAT 4@MONEY IS GOING TO LAST.
WITH RETIRED LIFE WHICH.
WITH THAT 4@MONEY IS GOING TO LAST.
VIA RETIREMENT WHICH.
WITH THE THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIREMENT AND ALSO THAT.
THROUGH THE INTENDING THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIRED LIFE WHICH.
VIA THE INTENDING PROCESS VIA RETIREMENT AS WELL AS THAT.
WITH THE PREPARING PROCESS THROUGH RETIRED LIFE AND ALSO THAT.
WITH THE PREPARING PROCEDURE.
REAL4@LY VIA RETIRED LIFE WHICH.
WITH THE PLANNING PROCEDURE.
REAL4@LY COME THROUGH RETIREMENT AS WELL AS THAT.
THROUGH THE INTENDING PROCESS.
REAL4@LY BOIL DOWN VIA RETIRED LIFE WHICH.
VIA THE PREPARING PROCEDURE.
REAL4@LY BOIL DOWN INTO THROUGH RETIREMENT AND THAT.
VIA THE PLANNING PROCESS.
REAL4@LY COME DOWN INTO PLAY.THROUGH RETIREMENT WHICH. WITH THE PLANNING PROCEDURE. REAL4@LY COME DOWN RIGHT INTO PLAY.
I THROUGH THE INTENDING PROCESS. REAL4@LY BOIL DOWN INTO PLAY.
I THROUGH THE INTENDING PROCEDURE. REAL4@LY COME DOWN INTO PLAY.
I. SUSPICIOUS VIA THE PREPARING PROCESS. REAL4@LY BOIL DOWN RIGHT INTO PLAY.
I. SUSPICIOUS A THROUGH THE INTENDING PROCEDURE. REAL4@LY BOIL DOWN RIGHT INTO PLAY.
I. SUSPECT An ABSENCE WITH THE PLANNING
PROCEDURE. REAL4@LY BOIL DOWN INTO PLAY.
I. SUSPECT An ABSENCE OF THROUGH THE INTENDING PROCESS. REAL4@LY BOIL DOWN INTO PLAY.
I. SUSPICIOUS A LACK OF 4@EXPERTISE REAL4@LY BOIL DOWN INTO PLAY.I. SUSPICIOUS A LACK OF 4@EXPERTISE REAL4@LY COME DOWN RIGHT INTO PLAY. I. SUSPICIOUS An ABSENCE OF 4@EXPERTISE. COULD REAL4@LY BOIL DOWN INTO PLAY. I. SUSPICIOUS An ABSENCE OF 4@EXPERTISE.
COULD ACTUALLY REAL4@LY BOIL DOWN INTO PLAY. I. SUSPICIOUS A LACK OF 4@EXPERTISE.
COULD ACTUALLY SABOTAGE REAL4@LY BOIL DOWN INTO PLAY. I. SUSPICIOUS A LACK OF 4@EXPERTISE.
COULD ACTUALLY SABOTAGE YOUR SUSPECT A LACK OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR SUSPICIOUS An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR. PLAN.SUSPECT An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR.
PLAN. SEND OUT SUSPECT A LACK OF 4@EXPERTISE.
COULD ACTUALLY SABOTAGE YOUR.
PLAN. SEND IT SUSPECT An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR.
STRATEGY. SEND IT DOWN SUSPECT A LACK OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR. PLAN. SEND IT DOWN THE SUSPECT
An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR.
PLAN. SEND IT DOWN THE TUBES.
COULD ACTUALLY SABOTAGE YOUR. PLAN. SEND IT DOWN TELEVISIONS
. COULD ACTUALLY SABOTAGE YOUR.
STRATEGY. SEND IT DOWN TELEVISIONS. YOU COULD ACTUALLY MESS UP YOUR.
PLAN.SEND IT DOWN TELEVISIONS. YOU CAN COULD IN FACT UNDERMINE YOUR. STRATEGY. SEND IT DOWN TELEVISIONS. YOU CAN BE COULD ACTUALLY SABOTAGE YOUR.
STRATEGY. SEND IT DOWN TELEVISIONS. YOU CAN BE VERY COULD IN FACT UNDERMINE YOUR. STRATEGY. SEND IT DOWN TELEVISIONS. YOU CAN BE EXTREMELY EXTREMELY COULD ACTUALLY UNDERMINE
YOUR. STRATEGY. SEND IT DOWN THE TUBES. YOU CAN BE VERY EXTREMELY ASTUTE STRATEGY.
SEND IT DOWN THE TUBES. YOU CAN BE EXTREMELY EXTREMELY SHARP STRATEGY. MATHEMATICALLY PLAN.
MATHEMATICALLY AND ALSO STRATEGY. SEND IT DOWN THE TUBES. YOU TIN BE EXTREMELY EXTREMELY SHARP.
MATHEMATICALLY AND PLACE PLAN. SEND IT DOWN THE TUBES. YOU CAN BE VERY EXTREMELY SHARP.
MATHEMATICALLY AND ALSO PUT ALL PLAN. SEND IT DOWN THE TUBES.
THEY ' LL COME TYPICALLY 4@ONE OF THE
SPOUSESPARTNERS THEY ' LL COME IN TYPICALLY 4@ONE OF THE SPOUSES. THEY ' LL COME IN 4@AND TYPICALLY 4@ONE OF THE PARTNERS.
ONE MIGHT NOT BE FULLY ON BOARD THEY'' LL COME IN 4@AND THE OTHER. ONE MAY NOT BE TOTALLY ON BOARD THEY'' LL COME IN 4@AND THE OTHER.YOU CAN BE EXTREMELY EXTREMELY SHARP
MATHEMATICALLY AND ALSO PLACE ALL THE YOU TIN BE REALLY REALLY SHARP
MATHEMATICALLY AND ALSO PLACE ALL THE YOU CAN BE EXTREMELY VERY SHARP
MATHEMATICALLY AND ALSO PUT ALL THE
NUMBERS YOU CAN BE EXTREMELY REALLY ASTUTE
MATHEMATICALLY AS WELL AS PLACE ALL THE
NUMBERS WITH EACH OTHER YOU CAN BE EXTREMELY REALLY SHARP
MATHEMATICALLY AND ALSO PLACE ALL THE
NUMBERS WITH EACH OTHER AND YOU TIN BE VERY REALLY SHARP
MATHEMATICALLY AS WELL AS PUT ALL THE
NUMBERS TOGETHER AS WELL AS THEN MATHEMATICALLY AND PUT ALL THE
NUMBERS WITH EACH OTHER AS WELL AS THEN MATHEMATICALLY AND PUT ALL THE
NUMBERS WITH EACH OTHER AS WELL AS THEN
SOMETHING MATHEMATICALLY AND ALSO PLACE ALL THE
NUMBERS WITH EACH OTHER AND AFTER THAT
SOMETHING IN MATHEMATICALLY AND ALSO PUT ALL THE
NUMBERS WITH EACH OTHER AND AFTERWARDS
SOMETHING IN LIFE MATHEMATICALLY AS WELL AS PUT ALL THE
NUMBERS TOGETHER AND AFTER THAT
SOMETHING IN LIFE BLOWS MATHEMATICALLY AND PLACE ALL THE
NUMBERS TOGETHER AND AFTERWARDS
SOMETHING IN LIFE BLOWS THAT MATHEMATICALLY AS WELL AS PUT ALL THE
NUMBERS WITH EACH OTHER AND AFTER THAT
SOMETHING IN LIFE BLOWS THAT UP MATHEMATICALLY AND ALSO PLACE ALL THE
NUMBERS TOGETHER AND AFTERWARDS
SOMETHING IN LIFE BLOWS THAT UP @ NUMBERS WITH EACH OTHER AND AFTERWARDS
SOMETHING IN LIFE BLOWS THAT UP @ NUMBERS TOGETHER AND AFTER THAT
SOMETHING IN LIFE BLOWS THAT UP @.
AS WELL AS NUMBERS TOGETHER AND ALSO AFTER THAT.
SOMETHING IN LIFE BLOWS THAT UP @.
WHICH'' S NUMBERS WITH EACH OTHER AS WELL AS
AFTER THAT. SOMETHING IN LIFE BLOWS THAT'UP @. WHICH ' S THE NUMBERS WITH EACH OTHER AND AFTERWARDS. SOMETHING IN LIFE BLOWS THAT'UP @. AS WELL AS THAT ' S THE THING NUMBERS TOGETHER AND AFTERWARDS.
SOMETHING IN LIFE BLOWS THAT UP @. WHICH ' S THE IMPORTANT THINGS THAT NUMBERS WITH EACH OTHER AND AFTER THAT'. SOMETHING IN LIFE BLOWS THAT UP @.
AND ALSO THAT'' S THE POINT THAT WE SOMETHING IN LIFE BLOWS THAT UP @. APPEARANCE SOMETHING IN LIFE BLOWS THAT UP @. AND THAT ' S THE POINT THAT WE.
CONSIDER'. WE SOMETHING IN LIFE BLOWS THAT UP @. AND THAT ' S THE IMPORTANT THINGS THAT WE.
CONSIDER. WE HAD SOMETHING IN LIFE BLOWS THAT UP @.
WHICH'' S THE THING THAT WE. LOOK AT. WE HAD A SOMETHING IN LIFE BLOWS THAT'UP @. AND ALSO THAT ' S THE IMPORTANT THINGS THAT WE. APPEARANCE AT'. WE HAD A PAIR SOMETHING IN LIFE BLOWS THAT'UP @. WHICH ' S THE POINT THAT WE.
LOOK AT'. WE HAD A COUPLE COME WHICH'' S THE IMPORTANT THINGS THAT WE. CONSIDER.
WE HAD A PAIR COME WHICH'' S THINGS THAT WE. CHECK OUT.
WE HAD A COUPLE COME. IN AND THAT'' S THINGS THAT WE. CONSIDER.
WE HAD A COUPLE COME. IN FROM WHICH'' S THE POINT THAT WE.
CHECK OUT.
WE HAD A PAIR COME. IN FROM GRAND AND THAT ' S THE THING THAT WE.
TAKE A LOOK AT. WE HAD A COUPLE COME.
IN FROM GRAND RAPIDS AND ALSO THAT ' S THE IMPORTANT THINGS THAT WE.
APPEARANCE AT. WE HAD A PAIR COME. IN FROM GRAND RAPIDS AND AND ALSO THAT ' S THE THING THAT WE.
CHECK OUT. WE HAD A PAIR COME.
IN FROM GRAND RAPIDS AS WELL AS HE WHICH ' S THINGS THAT WE. LOOK AT.WE HAD A PAIR COME.
IN FROM GRAND RAPIDS AND ALSO HE DID WHICH ' S THINGS THAT WE. TAKE A LOOK AT.
WE HAD A COUPLE COME. IN FROM GRAND RAPIDS AS WELL AS HE DID @ CONSIDER.
IN FROM GRAND RAPIDS AS WELL AS HE DID @ LOOK AT. IN FROM GRAND RAPIDS AND HE DID @.
A CHECK OUT.
WE HAD A COUPLE COME. IN FROM GRAND RAPIDS AND HE DID @.
A SUPERB CHECK OUT. WE HAD A PAIR COME.
IN FROM GRAND RAPIDS AS WELL AS HE DID @.
A FANTASTIC JOB. APPEARANCE AT.
WE HAD A PAIR COME. IN FROM GRAND RAPIDS AS WELL AS HE DID @.
A GREAT JOB. ENGINEER APPEARANCE AT.
WE HAD A PAIR COME. IN FROM GRAND RAPIDS AND ALSO HE DID @.
DESIGNER LOVE IN FROM GRAND RAPIDS AND ALSO HE DID @. A GREAT JOB.ENGINEER LOVE IN FROM GRAND RAPIDS AND ALSO HE DID @.
ENGINEER LOVE. THOSE IN FROM GRAND RAPIDS AND HE DID @. A WONDERFUL TASK.
IN FROM GRAND RAPIDS AND HE
DID @. A FANTASTIC TASK. AND ALSO IN FROM GRAND RAPIDS AS WELL AS HE DID @.
AS WELL AS HE IN FROM GRAND RAPIDS AND HE DID @. An AMAZING JOB.
THOSE 4@PEOPLE. AND HE HAD A GREAT WORK. AND HE HAD A GREAT TASK.
EVERY LITTLE THING A GREAT WORK. ENGINEER LOVE.
THOSE 4@PEOPLE. AND ALSO HE HAD.
EVERY LITTLE THING CHARTED A SUPERB JOB. DESIGNER LOVE.
EVERYTHING CHARTED OUT. A WONDERFUL TASK. DESIGNER LOVE. THOSE 4@PEOPLE. AND HE HAD. WHATEVER CHARTED OUT. NO THOSE 4@PEOPLE. AS WELL AS HE HAD. EVERYTHING CHARTED OUT.
WHATEVER CHARTED OUT. EXACTLY THOSE 4@PEOPLE. EXACTLY TALKED THOSE [email protected] HE HAD.
EXACTLY CHATTED CONCERNING THOSE 4@PEOPLE. EVERY LITTLE THING CHARTED OUT.
NO. EXACTLY CHATTED CONCERNING TAX OBLIGATIONS THOSE 4@PEOPLE. AND ALSO
HE HAD. EVERYTHING CHARTED OUT.
NO. EXACTLY SPOKE ABOUT TAXES 4@AL EVERYTHING CHARTED OUT.
NO. EXACTLY SPOKE CONCERNING TAX OBLIGATIONS 4@AL EVERYTHING CHARTED OUT. NO.
EXACTLY CHATTED ABOUT TAXES 4@AL.
OF EVERYTHING CHARTED OUT. NO. EXACTLY SPOKE ABOUT TAX OBLIGATIONS 4@AL.
OF THAT EVERYTHING CHARTED OUT. NO. EXACTLY TALKED CONCERNING TAXES 4@AL.
OF THAT IN WHATEVER CHARTED OUT.
NO. EXACTLY SPOKE ABOUT TAXES 4@AL.
OF THAT IN ASSUMPTIONS EVERYTHING CHARTED OUT
. NO. EXACTLY SPOKE ABOUT TAXES 4@AL.
OF THAT IN ASSUMPTIONS OF EXACTLY TALKED ABOUT TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF EXACTLY SPOKE ABOUT TAXES 4@AL. OF THAT IN ASSUMPTIONS OF. RETURNS. EXACTLY DISCUSSED TAX OBLIGATIONS 4@AL.
OF THAT IN ASSUMPTIONS OF.
RETURNS.
IT SPECIFICALLY TALKED ABOUT TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS EXACTLY DISCUSSED TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. EXACTLY SPOKE ABOUT TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF.
RETURNS.IT WAS WONDERFUL. AS WELL AS OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND.
YTHE OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND.
YTHE STATED OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AS WELL AS.
YTHE STATED I OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND ALSO.
YTHE CLAIMED I SIMPLY OF THAT IN ASSUMPTIONS OF. RETURNS. IT WAS WONDERFUL. AND. YTHE SAID I JUST DESIRED OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL.
AS WELL AS. YTHE STATED I SIMPLY WISHED TO OF
THAT IN ASSUMPTIONS OF. RETURNS.
IT WAS WONDERFUL. AND ALSO.
YTHE CLAIMED I SIMPLY INTENDED TO MAKE RETURNS. IT WAS WONDERFUL. AS WELL AS. YTHE STATED I JUST INTENDED TO MAKE RETURNS. IT WAS WONDERFUL. AS WELL AS. YTHE CLAIMED I SIMPLY DESIRED TO MAKE.
SURE RETURNS. YTHE CLAIMED I JUST WANT TO MAKE.
CERTAIN WE RETURNS. YTHE CLAIMED I JUST DESIRED TO MAKE. SURE
WE CROSS RETURNS.
YTHE STATED I SIMPLY WISHED TO MAKE. CERTAIN WE CROSS THE RETURNS. IT WAS WONDERFUL. AND ALSO.
YTHE STATED I JUST INTENDED TO MAKE. CERTAIN WE CROSS THE T ' S RETURNS. IT WAS WONDERFUL. AND. YTHE STATED I JUST INTENDED TO MAKE. SURE WE CROSS THE T ' S AND RETURNS. IT WAS WONDERFUL. AS WELL AS.
YTHE SAID I JUST WISHED TO MAKE.
CERTAIN WE CROSS THE T'' S AS WELL AS DOT YTHE SAID I JUST DESIRED TO MAKE.
SURE WE CROSS THE T'' S AND DOT YTHE SAID I JUST WISHED TO MAKE.
SURE WE CROSS THE T'' S AS WELL AS DOT. THE YTHE CLAIMED I SIMPLY INTENDED TO MAKE.
CERTAIN WE CROSS THE T'' S AS WELL AS DOT. THE I ' S YTHE SAID I SIMPLY WISHED TO MAKE.
SURE WE CROSS THE T ' S AND DOT.
THE I'' S DUE TO THE FACT THAT YTHE SAID I JUST INTENDED TO MAKE.
SURE WE CROSS THE T'' S AND ALSO DOT.
THE I ' S DUE TO THE FACT THAT I YTHE STATED I SIMPLY INTENDED TO MAKE. SURE WE CROSS THE T'' S AND DOT.
THE I ' S SINCE I 4@ALL YTHE CLAIMED I JUST DESIRED'TO MAKE.
CERTAIN WE CROSS THE T ' S AS WELL AS DOT. THE I ' S SINCE I 4@ALL THIS SURE WE CROSS THE T'' S AND ALSO DOT.
THE I ' S DUE TO THE FACT THAT I 4@ALL THIS CERTAIN WE CROSS THE T'' S AND DOT.
THE I ' S SINCE I 4@ALL THIS.
TIME.SURE WE CROSS THE'T ' S AS WELL AS DOT. THE I ' S SINCE
I 4@ALL THIS.
TIME. SURE WE CROSS THE T ' S AND DOT.
THE I ' S DUE TO THE FACT THAT I'4@ALL THIS.
WE SURE WE CROSS THE T ' S AS WELL AS DOT. THE I'' S DUE TO THE FACT THAT I 4@ALL THIS.
WE CONTAINER ' T OBTAIN SURE WE CROSS THE T ' S AND ALSO DOT. WE CANISTER ' T GET THIS THE I ' S SINCE I 4@ALL THIS. WE'CAN ' T OBTAIN THIS THE I ' S DUE TO THE FACT THAT I 4@ALL THIS.
WE CONTAINER ' T OBTAIN THIS. WHEN THE I ' S BECAUSE I 4@ALL THIS.
BUT WE CONTAINER ' T OBTAIN THIS. WRONG. WHEN WE THE I ' S DUE TO THE FACT THAT I 4@ALL THIS.
TIME. WE CANISTER ' T OBTAIN THIS. WRONG. WHEN WE GOT THE I ' S BECAUSE I 4@ALL THIS. TIME. BUT WE CONTAINER ' T GET THIS.
WRONG. WHEN WE GOT DONE THE I ' S DUE TO THE FACT THAT I 4@ALL THIS. TIME. WE CONTAINER ' T OBTAIN THIS. WRONG. WHEN WE GOT DONE 4@HIS TIME. WE CAN ' T OBTAIN THIS. WRONG. WHEN WE GOT DONE 4@HIS TIME. BUT WE CANISTER ' T GET THIS. INCORRECT. WHEN WE GOT DONE 4@HIS. STRATEGY TIME.BUT WE CONTAINER ' T GET THIS
. WRONG. WHEN WE GOT DONE 4@HIS. STRATEGY WAS TIME. WE CAN ' T GET THIS.
WHEN WE GOT DONE 4@HIS. WE CAN ' T GET THIS.
INCORRECT. WHEN WE GOT DONE 4@HIS. PLAN WAS REALLY QUITE TIME. BUT WE CAN ' T GET THIS. WRONG. WHEN WE GOT DONE 4@HIS. STRATEGY WAS REALLY PRETTY GOOD. INCORRECT. WHEN WE GOT DONE 4@HIS. PLAN WAS REALLY QUITE GOOD. WRONG. WHEN WE GOT DONE 4@HIS. PLAN WAS ACTUALLY QUITE GREAT. WE WRONG. WHEN WE GOT DONE 4@HIS. STRATEGY WAS IN FACT RESPECTABLE. WE DID WRONG.
WHEN WE GOT DONE 4@HIS. STRATEGY WAS IN FACT QUITE GREAT.
STRATEGY WAS IN FACT PRETTY EXCELLENT. WE DID A LITTLE MISDOING.
WHEN WE GOT DONE 4@HIS. STRATEGY WAS REALLY PRETTY EXCELLENT. WE DID A LITTLE TWEAKING WRONG.
STRATEGY WAS IN FACT RATHER GREAT. STRATEGY WAS IN FACT RATHER GOOD. TAX STRATEGY WAS IN FACT RATHER EXCELLENT.
WE DID A LITTLE FINE-TUNING ON THE. TAX AREA PLAN WAS IN FACT RESPECTABLE.
WE DID A LITTLE TWEAKING ON THE
. TAX OBLIGATION AREA BUT PLAN WAS IN FACT RESPECTABLE.
WE DID A LITTLE TWEAKING ON THE. TAX AREA BUT AFTER THAT STRATEGY WAS IN FACT RESPECTABLE.
WE DID A LITTLE TWEAKING ON THE. TAX AREA BUT AFTER THAT ABOUT PLAN WAS ACTUALLY QUITE EXCELLENT.
WE DID A LITTLE FINE-TUNING ON THE. TAX OBLIGATION AREA BUT THEN ABOUT 18 PLAN WAS REALLY RESPECTABLE.
WE DID A LITTLE FINE-TUNING ON THE.
TAX LOCATION BUT THEN CONCERNING 18 TO WE DID A LITTLE FINE-TUNING ON THE.
TAX LOCATION BUT THEN REGARDING 18 TO WE DID A LITTLE FINE-TUNING ON THE.
TAX OBLIGATION LOCATION BUT THEN ABOUT 18 TO.
24 WE DID A LITTLE TWEAKING ON THE.
TAX OBLIGATION LOCATION BUT AFTER THAT ABOUT 18 TO.
24 MONTHS WE DID A LITTLE TWEAKING ON THE.
TAX OBLIGATION LOCATION BUT AFTER THAT REGARDING 18 TO.
24 MONTHS IN WE DID A LITTLE FINE-TUNING ON THE.
TAX OBLIGATION AREA BUT AFTER THAT REGARDING 18 TO.
24 MONTHS IN RETIRED LIFE WE DID A LITTLE TWEAKING ON THE.
TAX OBLIGATION LOCATION BUT THEN ABOUT 18 TO.
24 MONTHS IN RETIRED LIFE THE TAX LOCATION BUT AFTER THAT ABOUT 18 TO. 24 MONTHS IN RETIRED LIFE THE TAX OBLIGATION LOCATION BUT AFTER THAT REGARDING 18'TO. 24 MONTHS IN RETIREMENT THE.
STRATEGY TAX LOCATION BUT AFTER THAT ABOUT 18 TO. STRATEGY 4@BLEW TAX OBLIGATION AREA BUT THEN ABOUT 18 TO.
STRATEGY 4@BLEW UP TAX OBLIGATION LOCATION BUT THEN ABOUT 18 TO. 24 MONTHS IN RETIREMENT THE.
STRATEGY 4@BLEW UP AND ALSO TAX AREA BUT AFTER THAT CONCERNING 18 TO.
24 MONTHS IN RETIREMENT THE.
STRATEGY 4@BLEW UP AND IT TAX LOCATION BUT AFTER THAT'REGARDING 18 TO.
24 MONTHS IN RETIREMENT THE. PLAN 4@BLEW UP AND IT WASN
' T TAX AREA BUT AFTER THAT'REGARDING 18 TO.
24 MONTHS IN RETIRED LIFE THE.
PLAN 4@BLEW UP AS WELL AS IT WASN''
T OU 24 MONTHS IN RETIREMENT THE.
STRATEGY 4@BLEW UP AS WELL AS IT WASN''
T OU 24 MONTHS IN RETIRED LIFE THE.
PLAN 4@BLEW UP AND IT WASN''
T OU. STRATEGY 4@BLEW UP AND ALSO IT WASN ' T OU.
STRATEGY 4@BLEW UP AND ALSO IT WASN ' T OU
. PLAN 4@BLEW UP AND ALSO IT
WASN ' T OU. STRATEGY 4@BLEW UP AND IT
WASN ' T OU.
PLAN 4@BLEW UP AS WELL AS IT WASN ' T OU. EXPLODING. IT WAS AFTER THAT THEY PLAN 4@BLEW UP AS WELL AS IT WASN ' T OU.
BLOWING UP. IT WAS AFTER THAT THEY STRATEGY 4@BLEW UP AND ALSO IT WASN ' T OU.
BLOWING UP. IT WAS AFTER THAT THEY. MOVED STRATEGY 4@BLEW UP AS WELL AS IT WASN ' T OU.
EXPLODING. IT WAS AFTER THAT THEY.
MOVED 4@FROM STRATEGY 4@BLEW UP AS WELL AS IT WASN ' T OU.
BLOWING UP. IT WAS THEN THEY.
RELOCATED 4@FROM MICHIGAN STRATEGY 4@BLEW UP AS WELL AS IT WASN ' T OU.
EXPLODING. IT WAS AFTER THAT THEY.
RELOCATED 4@FROM MICHIGAN TO STRATEGY 4@BLEW UP AND IT WASN ' T OU.
BLOWING UP.IT WAS THEN THEY.
MOVED 4@FROM MICHIGAN TO TEXAS BLOWING UP.
IT WAS AFTER THAT THEY.
RELOCATED 4@FROM MICHIGAN TO TEXAS BLOWING UP. IT WAS THEN THEY. RELOCATED 4@FROM MICHIGAN TO TEXAS.
DUE TO THE FACT THAT BLOWING UP. IT WAS THEN THEY. MOVED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR BLOWING UP.
IT WAS AFTER THAT THEY. MOVED 4@FROM MICHIGAN TO TEXAS.
BECAUSE THEIR KIDS BLOWING UP.
IT WAS AFTER THAT THEY. RELOCATED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR CHILDREN MOVED BLOWING UP.IT WAS THEN THEY. RELOCATED 4@FROM MICHIGAN TO TEXAS.
DUE TO THE FACT THAT THEIR CHILDREN MOVED DOWN RELOCATED 4@FROM MICHIGAN TO TEXAS. BECAUSE THEIR KIDS MOVED DOWN RELOCATED 4@FROM MICHIGAN TO TEXAS.
BECAUSE THEIR KIDS MOVED DOWN. THERE.
MOVED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR CHILDREN RELOCATED DOWN. THERE.
NOW RELOCATED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY MOVED 4@FROM MICHIGAN TO TEXAS. BECAUSE THEIR CHILDREN MOVED DOWN. THERE. CURRENTLY THEY WANT RELOCATED 4@FROM MICHIGAN TO TEXAS. DUE TO THE FACT THAT THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY INTEND TO RELOCATED 4@FROM MICHIGAN TO TEXAS. DUE TO THE FACT THAT THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY INTEND TO BE MOVED 4@FROM MICHIGAN TO TEXAS. BECAUSE THEIR KIDS MOVED DOWN. THERE. NOW THEY INTEND TO BE WITH BECAUSE THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY WANT TO BE WITH BECAUSE THEIR CHILDREN RELOCATED DOWN. THERE. CURRENTLY THEY INTEND TO BE WITH.
THEM.
BECAUSE THEIR KIDS RELOCATED DOWN.
THERE. CURRENTLY THEY INTEND TO BE WITH. THEM.
WHAT BECAUSE THEIR KIDS MOVED DOWN. WHAT ALTERED DUE TO THE FACT THAT THEIR
KIDS CHILDREN RELOCATED. WHAT ALTERED WAS BECAUSE THEIR CHILDREN MOVED DOWN.
WHAT CHANGED WAS THEY THERE. WHAT CHANGED WAS THEY
THERE. WHAT CHANGED WAS THEY.
BOUGHT THERE. CURRENTLY THEY WISH TO BE WITH. THEM. WHAT TRANSFORMED WAS THEY.
BOUGHT A THERE.
NOW THEY INTEND TO BE WITH. THEM. WHAT TRANSFORMED WAS THEY.
BOUGHT A RESIDENCE THERE.
NOW THEY INTEND TO BE WITH. THEM. WHAT ALTERED WAS
THEY. BOUGHT A HOME DOWN THERE
. CURRENTLY THEY NEED TO BE WITH.
THEM. WHAT CHANGED WAS THEY.
BOUGHT A RESIDENCE DOWN THERE THERE. NOW THEY NEED TO BE WITH. THEM. WHAT TRANSFORMED WAS THEY. BOUGHT A HOME DOWN THERE AND ALSO THEM. WHAT ALTERED WAS THEY. BOUGHT A RESIDENCE DOWN THERE
AND ALSO THEM.WHAT CHANGED WAS THEY.
BOUGHT A RESIDENCE DOWN THERE AS WELL AS. THEY THEM.
WHAT ALTERED WAS THEY. WHAT TRANSFORMED WAS THEY. WHAT TRANSFORMED WAS THEY.
THEY HAD OVER TWO HUNDRED FIFTY BOUGHT A HOME DOWN THERE AND. THEY HAD MORE THAN 2 HUNDRED FIFTY. THOUSAND BOUGHT A HOME DOWN THERE AND.
THEY HAD OVER TWO HUNDRED FIFTY. THOUSAND HOURS BOUGHT A HOUSE DOWN THERE AND ALSO.
THEY HAD OVER 2 HUNDRED FIFTY.
THOUSAND HOURS OF BOUGHT A HOME DOWN THERE AND ALSO.
THEY HAD OVER TWO HUNDRED FIFTY.
THOUSAND HOURS OF IMPROVEMENT THEY HAD OVER TWO HUNDRED FIFTY. THOUSAND HOURS OF MAKEOVER THEY HAD OVER TWO HUNDRED FIFTY.
THOUSAND HOURS OF REMODELING.
PAY THEY HAD OVER TWO HUNDRED FIFTY.
THOUSAND HOURS OF RENOVATION.
PAY FOR THEY HAD OVER 2 HUNDRED FIFTY. THOUSAND HOURS OF RENOVATION. PAY FOR NOW.THEY HAD MORE THAN 2 HUNDRED FIFTY. THOUSAND HOURS OF IMPROVEMENT. SPEND FOR NOW.
4@OH THEY HAD MORE THAN TWO HUNDRED FIFTY. THOUSAND HOURS OF MAKEOVER. SPEND FOR NOW. 4@OH BELOVED. THEY HAD MORE THAN 2 HUNDRED FIFTY. THOUSAND HOURS OF REMODELING. SPEND FOR NOW. 4@OH BELOVED. THEY HAD OVER 2 HUNDRED FIFTY. THOUSAND HOURS OF MAKEOVER. PAY FOR CURRENTLY.
4@OH DEAR. SO THE THOUSAND HRS OF REMODELING.
SPEND FOR NOW. 4@OH DEAR. SO THE THOUSAND HOURS OF REMODELING.
PAY FOR CURRENTLY. 4@OH DEAR.SO THE.
PLAN THOUSAND HOURS OF REMODELING.
SPEND FOR CURRENTLY. 4@OH PRECIOUS. THE.
PLAN HAD THOUSAND HRS OF REMODELING.
SPEND FOR NOW. 4@OH PRECIOUS. SO THE.
STRATEGY NEEDED TO THOUSAND HOURS OF RENOVATION.
SPEND FOR NOW.
4@OH PRECIOUS. THE.
PLAN HAD TO CHANGE. PAY FOR NOW. STRATEGY HAD TO ADJUSTMENT.
SPEND FOR NOW.4@OH DEAR. SO THE
. STRATEGY NEEDED TO ADJUSTMENT. WE PAY FOR CURRENTLY. 4@OH BELOVED. SO THE. STRATEGY HAD TO CHANGE.
WE PAY FOR NOW. STRATEGY HAD TO MODIFICATION.
CHANGED PAY FOR NOW. STRATEGY HAD TO MODIFICATION.
TRANSFORMED THE SPEND FOR NOW.
4@OH DEAR. SO THE. PLAN NEEDED TO MODIFICATION. SO WE.
TRANSFORMED THE STRATEGY PAY FOR CURRENTLY. 4@OH DEAR.
THE. STRATEGY HAD TO MODIFICATION. WE. CHANGED THE STRATEGY UP PAY FOR CURRENTLY. 4@OH DEAR. SO THE. PLAN NEEDED TO CHANGE. WE.
CHANGED THE PLAN UP MADE MONEY FOR NOW.
4@OH DEAR. STRATEGY HAD TO MODIFICATION.
ALTERED THE PLAN UP GOT THEM PLAN HAD TO MODIFICATION. CHANGED THE STRATEGY UP GOT THEM PLAN HAD TO MODIFICATION.
GOING PLAN HAD TO CHANGE.
WE. CHANGED THE PLAN UP GOT THEM.
GOING THROUGH PLAN HAD TO MODIFICATION. TRANSFORMED THE STRATEGY UP GOT THEM.
GOING VIA THAT.THEY ' RE ALTERED THE PLAN UP GOT THEM. THEY ' RE CHANGED THE STRATEGY UP GOT THEM. THEY ' RE.
GOING THROUGH THAT. THEY'' RE. HAVING ACTUALLY A WONDERFUL ALTERED THE STRATEGY UP GOT THEM. GOING THROUGH
THAT. THEY ' RE. HAVING A BLAST TRANSFORMED THE STRATEGY UP GOT THEM.
GOING THROUGH THAT.
THEY ' RE. THEY'' RE.
THEY ' RE. THEY'' RE. THEY'' RE.
HAVING A GOOD TIME IN TEXAS.
WITH THEIR GOING THROUGH THAT. THEY ' RE. HAVING A BLAST IN TEXAS. WITH THEIR HOUSEHOLD GOING THROUGH THAT. THEY ' RE.
HAVING A FUN TIME IN TEXAS
. WITH THEIR HOUSEHOLD AND GOING WITH THAT.THEY ' RE
. HAVING A FUN TIME IN TEXAS
. WITH THEIR FAMILY AS WELL AS YOU GOING THROUGH THAT.
THEY ' RE. HAVING A BLAST IN TEXAS
. WITH THEIR FAMILY MEMBERS AND YOU DO HAVING A GOOD TIME IN TEXAS.
WITH THEIR FAMILY MEMBERS AND YOU DO HAVING A
BLAST IN TEXAS. WITH THEIR FAMILY AND ALSO YOU DO. REQUIRED HAVING A BLAST IN TEXAS.
WITH THEIR FAMILY AND YOU DO. NEED THE HAVING A FUN TIME IN TEXAS.
WITH THEIR FAMILY MEMBERS AND ALSO YOU DO. REQUIRED THE VERSATILITY.
HAVING A FUN TIME IN TEXAS. WITH THEIR FAMILY MEMBERS AND ALSO YOU
DO. NEED THE FLEXIBILITY.
YOU WITH THEIR FAMILY MEMBERS AND YOU DO. NEED THE ADAPTABILITY. YOU WITH THEIR FAMILY AND YOU DO.
NEED THE VERSATILITY. YOU.
CONTAINER NOT WITH THEIR FAMILY MEMBERS AS WELL AS YOU DO. REQUIRED THE ADAPTABILITY.
YOU. CONTAINER NOT SECURE WITH THEIR
HOUSEHOLD AND ALSO YOU DO. REQUIRED THE FLEXIBILITY.
YOU. CAN NOT LOCK YOURSELF WITH THEIR FAMILY MEMBERS AND ALSO YOU DO. NEED THE VERSATILITY. YOU.
CAN NOT LOCK YOURSELF IN WITH THEIR FAMILY AND ALSO YOU DO. REQUIRED THE FLEXIBILITY.YOU. CONTAINER NOT LOCK YOURSELF IN AT WITH THEIR FAMILY AND ALSO YOU DO. REQUIRED THE FLEXIBILITY. YOU.
CAN NOT LOCK YOURSELF IN AT THE NEED THE FLEXIBILITY. YOU.
CAN NOT LOCK YOURSELF IN AT THE DEMAND THE VERSATILITY. YOU. CAN NOT LOCK YOURSELF IN AT THE.
BEGINNING DEMAND THE FLEXIBILITY. YOU.
CONTAINER NOT LOCK YOURSELF IN AT THE. STARTING OF NEED THE FLEXIBILITY. YOU.
CONTAINER NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE DEMAND THE FLEXIBILITY.
YOU. CONTAINER NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE AS WELL AS CAN
NOT LOCK YOURSELF IN AT THE.
BEGINNING OF RETIREMENT AS WELL AS CAN NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE AND ALSO. THINK CONTAINER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND.
THINK THIS CANISTER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND ALSO.
THINK THIS IS CANISTER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND.
THINK THIS IS GOING CANISTER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND.
THINK THIS IS GOING TO CAN NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE AND ALSO. THINK THIS IS GOING TO DO CONTAINER NOT LOCK YOURSELF IN AT THE. BEGINNING OF RETIRED LIFE AND ALSO. THINK THIS IS GOING TO DO ME BEGINNING OF RETIRED LIFE AS WELL AS.
THINK THIS IS GOING TO DO ME BEGINNING OF RETIRED LIFE AND ALSO.
THINK THIS IS GOING TO DO ME.
ALL BEGINNING OF RETIREMENT AND ALSO.
THINK THIS IS GOING TO DO ME.
ALL THE STARTS OF RETIREMENT AS WELL AS. ALL THE WAY STARTS OF RETIREMENT AND ALSO.
ALL THE METHOD THROUGH.BEGINNING OF RETIRED LIFE AND. THINK THIS IS GOING TO DO ME.
BEGINNING OF RETIRED LIFE AND ALSO. THINK THIS IS GOING TO DO ME. ALL THE METHOD THROUGH.
. SO THINK THIS IS GOING TO DO ME.
ALL THE MEANS THROUGH. THINK THIS IS GOING TO DO ME.
WE CAN ' T GET SURE WE CROSS THE T ' S AND ALSO DOT. WE CONTAINER ' T GET THIS THE I ' S DUE TO THE FACT THAT I 4@ALL THIS. WE'CAN ' T GET THIS THE I ' S SINCE I 4@ALL THIS. IT WAS THEN THEY PLAN 4@BLEW UP AND IT WASN ' T OU.
THEY ' RE TRANSFORMED THE STRATEGY UP GOT THEM.
IN THINK THIS IS GOING TO DO ME
COMPLETELY THROUGH. . SO
IN THE THINK THIS IS GOING TO DO ME
ALL THE WAY THROUGH. RIGHT.
IN THE CREATION THINK THIS IS GOING TO DO ME
RIGHT THROUGH. RIGHT. SO
IN THE DEVELOPMENT OF THINK THIS IS GOING TO DO ME
ALL THE METHOD THROUGH. . SO
IN THE DEVELOPMENT OF A THINK THIS IS GOING TO DO ME
COMPLETELY THROUGH. .
IN THE DEVELOPMENT OF A STRATEGY THINK THIS IS GOING TO DO ME
RIGHT THROUGH. RIGHT. SO
IN THE PRODUCTION OF A PLAN YOU ALL THE METHOD THROUGH.RIGHT.
SO
IN THE CREATION OF A PLAN YOU ALL THE MEANS THROUGH. RIGHT.
IN THE DEVELOPMENT OF A STRATEGY YOU
GO ALL THE METHOD THROUGH. RIGHT.
IN THE PRODUCTION OF A STRATEGY YOU
GO FOR RIGHT THROUGH. RIGHT.
IN THE CREATION OF A STRATEGY YOU
CHOOSE VERSATILITY COMPLETELY THROUGH. .
IN THE DEVELOPMENT OF A STRATEGY YOU
GO WITH ADAPTABILITY I COMPLETELY THROUGH. RIGHT. SO
IN THE DEVELOPMENT OF A PLAN YOU
GO FOR FLEXIBILITY I PICTURE RIGHT THROUGH. . SO
IN THE CREATION OF A PLAN YOU
OPT FOR VERSATILITY I PICTURE 4 @ IN THE CREATION OF A PLAN YOU
OPT FOR VERSATILITY I PICTURE 4 @ IN THE DEVELOPMENT OF A PLAN YOU
OPT FOR FLEXIBILITY I IMAGINE 4 @.
THAT'' S IN THE PRODUCTION OF A PLAN YOU. CHOOSE VERSATILITY I IMAGINE 4 @.
THAT'' S VERY IN THE PRODUCTION OF A PLAN YOU. GO FOR ADAPTABILITY I IMAGINE 4 @.
THAT'' S REALLY TYPE IN THE CREATION OF A PLAN YOU.
CHOOSE VERSATILITY I ENVISION 4 @.
THAT'' S REALLY ESSENTIAL REMAINS IN THE CREATION OF A PLAN
YOU. GO FOR FLEXIBILITY I THINK OF 4 @.
THAT'' S REALLY KEY IS TO IN THE PRODUCTION OF A PLAN
YOU. GO WITH VERSATILITY I PICTURE 4 @.
THAT'' S VERY KEY IS TO MAKE IN THE PRODUCTION OF A PLAN YOU.
CHOOSE FLEXIBILITY I ENVISION 4 @.
THAT'' S EXTREMELY KEY IS TO MAKE CERTAIN GO FOR VERSATILITY I THINK OF 4 @. THAT ' S VERY ESSENTIAL IS TO ENSURE GO FOR VERSATILITY I IMAGINE 4 @. THAT ' S EXTREMELY VITAL IS TO ENSURE. THAT GO FOR ADAPTABILITY I PICTURE 4 @. THAT ' S REALLY ESSENTIAL IS TO MAKE SURE. THAT THAT GO FOR FLEXIBILITY I THINK OF 4 @.
THAT'' S REALLY CRUCIAL IS TO MAKE SURE. THAT THAT STRATEGY GO FOR ADAPTABILITY I ENVISION 4 @.
THAT'' S EXTREMELY KEY IS TO MAKE CERTAIN. THAT THAT PLAN IS GO FOR ADAPTABILITY I ENVISION 4 @.
THAT'' S EXTREMELY ESSENTIAL IS TO ENSURE. THAT THAT STRATEGY IS FLEXIBLE GO FOR FLEXIBILITY I THINK OF 4 @.
THAT'' S VERY VITAL IS TO MAKE CERTAIN. THAT THAT PLAN IS FLEXIBLE THAT'THAT ' S REALLY ESSENTIAL IS TO ENSURE. THAT THAT STRATEGY IS FLEXIBLE THAT'THAT ' S EXTREMELY CRUCIAL IS TO MAKE SURE. THAT THAT STRATEGY IS FLEXIBLE THAT'. YOU THAT ' S VERY
KEY IS TO MAKE SURE.
YOU 4@CAN ADJUSTMENT THAT THAT ' S EXTREMELY CRUCIAL IS TO MAKE SURE. YOU 4@CAN ADJUSTMENT THAT INCOME THAT ' S EXTREMELY ESSENTIAL IS TO MAKE SURE. YOU 4@CAN ADJUSTMENT THAT EARNINGS IN THAT THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN MODIFICATION THAT EARNINGS BECAUSE THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN ADJUSTMENT THAT REVENUE IN. FROM THAT THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN CHANGE THAT REVENUE IN. FROM VARIOUS THAT
THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN MODIFICATION THAT REVENUE IN. FROM VARIOUS EARNINGS THAT THAT STRATEGY IS FLEXIBLE THAT. YOU 4@CAN MODIFICATION THAT INCOME IN.
FROM VARIOUS EARNINGS SOURCES YOU 4@CAN MODIFICATION THAT INCOME IN.
FROM DIFFERENT INCOME SOURCES YOU 4@CAN ADJUSTMENT
THAT EARNINGS IN.
FROM VARIOUS EARNINGS SOURCES.
AS YOU 4@CAN CHANGE THAT EARNINGS IN.
FROM VARIOUS INCOME SOURCES.
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FROM DIFFERENT INCOME SOURCES. FROM DIFFERENT INCOME SOURCES.
SO WE'' RE NOT TAKING FROM DIFFERENT EARNINGS SOURCES.
. SO WE'' RE NOT DRAWING FROM VARIOUS REVENUE SOURCES.
AS WELL.SO WE ' RE NOT TAKING.
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WE'' RE NOT TAKING. INCOME FROM FROM VARIOUS EARNINGS SOURCES. WE ' RE NOT TAKING.
WE ' RE NOT TAKING.
EARNINGS FROM LOSSES. YOU FROM VARIOUS REVENUE SOURCES. ALSO. WE ' RE NOT TAKING. INCOME FROM LOSSES. YOU UNDERSTAND. SO WE'' RE NOT TAKING. INCOME FROM LOSSES.
YOU RECOGNIZE AS WELL.'SO WE ' RE NOT TAKING.
REVENUE FROM LOSSES. YOU RECOGNIZE.
THERE'' S. WE ' RE NOT TAKING. THERE ' S A.
WE ' RE NOT TAKING. REVENUE FROM LOSSES.YOU KNOW.
THERE ' S A GREAT DEAL OF AS WELL.
WE ' RE NOT TAKING. EARNINGS FROM LOSSES
. YOU RECOGNIZE. THERE ' S A LOT OF DIFFERENT REVENUE FROM LOSSES.
YOU UNDERSTAND. THERE ' S A GREAT DEAL OF DIFFERENT REVENUE FROM LOSSES.
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THERE'' S A GREAT DEAL OF DIFFERENT. PLANNING DEVICES INCOME FROM LOSSES.YOU KNOW. THERE'' S A GREAT DEAL OF DIFFERENT. PLANNING DEVICES THAT INCOME FROM LOSSES. YOU RECOGNIZE. THERE ' S A GREAT DEAL OF VARIOUS.
PREPARING DEVICES THAT 4@GO INCOME FROM LOSSES.
YOU RECOGNIZE.'THERE ' S A GREAT DEAL OF DIFFERENT.
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THERE ' S A LOT OF DIFFERENT. PREPARING TOOLS THAT 4@GO RIGHT INTO I THERE ' S A WHOLE LOT OF VARIOUS
.
WE THERE ' S A GREAT DEAL OF DIFFERENT
. PREPARING DEVICES THAT 4@GO INTO I.
WE WANT THERE ' S A WHOLE LOT OF VARIOUS.
PLANNING TOOLS THAT 4@GO INTO I. WE INTEND TO THERE ' S A GREAT DEAL OF VARIOUS. PLANNING DEVICES THAT 4@GO INTO I.
WE WANT TO MAKE THERE ' S A GREAT DEAL OF VARIOUS. PLANNING DEVICES THAT 4@GO INTO I. WE NEED TO SEE TO IT THERE ' S A GREAT DEAL OF DIFFERENT. PREPARING DEVICES THAT 4@GO RIGHT INTO I.
WE NEED TO MAKE CERTAIN THAT THERE ' S A WHOLE LOT OF DIFFERENT. PLANNING DEVICES THAT 4@GO INTO I.
WE WISH TO SEE TO IT THAT WE PLANNING TOOLS THAT 4@GO INTO I. WE WISH TO MAKE CERTAIN THAT WE PREPARATION TOOLS THAT 4@GO INTO I. WE WANT TO SEE TO IT THAT WE.
PROTECT PLANNING TOOLS THAT 4@GO INTO I.
WE WISH TO SEE TO IT THAT WE.
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WE INTEND TO MAKE CERTAIN THAT WE.
SAFEGUARD THAT CRITICAL PLANNING TOOLS THAT 4@GO INTO I.
WE WISH TO MAKE SURE THAT WE.
SAFEGUARD THAT CRITICAL EARNINGS WE INTEND TO SEE TO IT THAT WE.
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4@BUT WE NEED TO SEE TO IT THAT WE.
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4@BUT WE ALSO INTEND TO MAK.
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. 4@BUT WE ALSO NEED TO MAK.
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. MATTERS IN RETIREMENT YOU KNOW CERTAIN THAT WE CANISTER DO THE FUN.
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THINGS IN RETIREMENT YOU UNDERSTAND. TAKING A TRIP THAT SORT OF POINT SURE THAT WE CANISTER DO THE ENJOYABLE. MATTERS IN RETIRED LIFE YOU KNOW.
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IN SOME CASES THINGS IN RETIRED LIFE YOU KNOW.
TRAVELING THAT KIND OF THING IN @.
OCCASIONALLY YOUNG POINTS IN RETIREMENT YOU UNDERSTAND.
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TRAVELING THAT SORT OF THING IN @.
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ROOF 4@HOUSE OR TAKING A TRIP THAT KIND OF THING IN @.
OFTEN YOUNG ENJOYABLE THINGS NEW.
ROOFING SYSTEM 4@HOUSE OR SOMETHING TRAVELING THAT KIND OF THING IN @. IN SOME CASES YOUNG ENJOYABLE THINGS NEW.
ROOFING SYSTEM 4@HOUSE OR SOMETHING LIKE SOMETIMES YOUNG FUN THINGS NEW. ROOF 4@HOUSE OR SOMETHING LIKE SOMETIMES YOUTHFUL ENJOYABLE THINGS NEW.
ROOFING 4@HOUSE OR SOMETHING LIKE. THAT.SOMETIMES YOUTHFUL ENJOYABLE THINGS NEW.
ROOFING SYSTEM 4@HOUSE OR SOMETHING LIKE.
OCCASIONALLY YOUNG ENJOYABLE THINGS NEW. ROOFING 4@HOUSE OR SOMETHING LIKE.
OCCASIONALLY YOUNG FUN THINGS NEW. ROOFING 4@HOUSE OR SOMETHING LIKE.
THAT. DNA. EXACTLY. THEY'' LL OFTEN YOUNG ENJOYABLE THINGS NEW. ROOF COVERING 4@HOUSE OR SOMETHING LIKE.
THAT. DNA. EXACTLY. THEY'' LL JB ROOF COVERING 4@HOUSE OR SOMETHING LIKE.
THAT. DNA. EXACTLY. THEY'' LL JB ROOF 4@HOUSE OR SOMETHING LIKE.
THEY'' LL JB. PLAN ROOFING 4@HOUSE OR SOMETHING LIKE.
THAT. DNA. EXACTLY. THEY'' LL JB. PLAN AS ROOFING SYSTEM 4@HOUSE OR SOMETHING LIKE.
THAT.
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EXACTLY. THEY ' LL JB. PLAN. WE'WE ROOFING 4@HOUSE OR SOMETHING LIKE.
DNA. THEY'' LL JB. STRATEGY.
THAT. DNA.
EXACTLY. THEY'' LL JB. STRATEGY TOO. SO WE WE STRATEGY ALL THAT. DNA. EXACTLY. THEY'' LL JB. PLAN ALSO. SO WE WE STRATEGY ALL THAT. DNA. EXACTLY. THEY'' LL JB. PLAN ALSO. SO WE WE PLAN ALL. THE THAT. DNA. EXACTLY. THEY ' LL JB.
PLAN. SO WE WE STRATEGY ALL. THE MEANS THAT.
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THE MEANS THROUGH FOR THAT THAT
. DNA. EXACTLY. THEY ' LL JB. STRATEGY ALSO. WE WE STRATEGY ALL. THE MEANS THROUGH FOR THAT YOU PLAN AS WELL. WE WE PLAN ALL. THE MEANS THROUGH FOR THAT YOU PLAN TOO. SO WE WE STRATEGY ALL.
THE MEANS THROUGH FOR THAT YOU.
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THE WAY THROUGH FOR THAT YOU.
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S. WHAT WE 4@WHAT KNOW OBVIOUSLY THERE ' S THINGS.
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. SIMPLY OBTAIN OUT OF THEIR MEANS KIND.
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DID SIMPLY OBTAIN OUT OF THEIR MEANS KIND. DID IN SIMPLY GET OUT OF THEIR MEANS KIND. IT ' S OF LIKE THIS COUPLE THIS FELLOW.
DID IN YOUR EXAMPLE. IT'' S OF SIMILAR TO THIS PAIR THIS FELLOW.
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IT ' S. REALLY UNDERSTANDING ALL THE 4 @.
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PIECES OF THE PUZZLE FOR. RETIREMENT YOU TRULY UNDERSTANDING ALL THE 4 @.
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ITEMS OF THE PROBLEM FOR.
RETIRED LIFE YOU RECOGNIZE TAXES DANGER ITEMS OF THE PROBLEM FOR. RETIRED LIFE YOU RECOGNIZE TAXES RISK ITEMS OF THE CHALLENGE FOR.
ADMINISTRATION SOCIAL PIECES OF THE CHALLENGE FOR. RETIREMENT YOU UNDERSTAND TAX OBLIGATIONS DANGER.
MANAGEMENT SOCIAL PROTECTION RETIRED LIFE YOU RECOGNIZE TAX OBLIGATIONS DANGER.
MANAGEMENT SOCIAL SECURITY RETIRED LIFE YOU KNOW TAXES RISK. MANAGEMENT SOCIAL PROTECTION. PENSIONS RETIREMENT YOU KNOW TAXES THREAT.
ADMINISTRATION SOCIAL SAFETY. PENSION PLANS MEDICARE RETIRED LIFE YOU KNOW TAX OBLIGATIONS RISK.
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PENSION PLANS MEDICARE UNDERSTANDING.
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THAT 4@YOU NEED TO MANAGEMENT SOCIAL PROTECTION. PENSION PLANS MEDICARE
UNDERSTANDING. THAT 4@YOU HAVE TO HAVE MANAGEMENT SOCIAL SAFETY. PENSION PLANS MEDICARE UNDERSTANDING. THAT 4@YOU NEED TO HAVE YOUR PENSIONS MEDICARE UNDERSTANDING. THAT 4@YOU NEED TO HAVE YOUR PENSIONS MEDICARE UNDERSTANDING.
THAT 4@YOU NEED TO HAVE YOUR.
STATE PENSION PLANS MEDICARE UNDERSTANDING.
THAT 4@YOU HAVE TO HAVE YOUR.
STATE WORKING PENSIONS MEDICARE UNDERSTANDING.
THAT 4@YOU NEED TO HAVE YOUR.
STATE DEALING WITH PENSION PLANS MEDICARE UNDERSTANDING.
THAT 4@YOU NEED TO HAVE YOUR.
STATE DEALING WITH YOUR PENSION PLANS MEDICARE UNDERSTANDING. THAT 4@YOU HAVE TO HAVE YOUR.
STATE WORKING WITH YOUR STRATEGY THAT 4@YOU HAVE TO HAVE YOUR.
STATE COLLABORATING WITH YOUR PLAN THAT 4@YOU HAVE TO HAVE YOUR.
STATE DEALING WITH YOUR STRATEGY.
AND ALSO THAT 4@YOU NEED TO HAVE YOUR.
STATE COLLABORATING WITH YOUR STRATEGY.
AND AFTER THAT THAT 4@YOU NEED TO HAVE YOUR.
STATE DEALING WITH YOUR PLAN.
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AND AFTERWARDS SIMILARLY IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS STATE DEALING WITH YOUR STRATEGY.
AS WELL AS THEN JUST AS IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS HAVE STATE COLLABORATING WITH YOUR PLAN. AND AFTER THAT JUST AS IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS HAVE TO AND AFTER THAT JUST AS IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS HAVE TO AND AFTER THAT EQUALLY IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS NEED TO.
VARIED AND AFTER THAT SIMILARLY IMPORTANTLY.
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DIVERSIFIED AS AND AFTER THAT JUST AS IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS HAVE TO.
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' S DIVERSIFIED VARIED WELL AS HAVE. THAT REVENUE PIECE AS WELL AS SO'IT
' S. BEING DIVERSIFIED VARIED WELL AS HAVE.
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' S. BEING OPEN TO CHECK OUT THAT AS WELL AS THAT EARNINGS PIECE THEREFORE IT ' S. BEING OPEN TO TAKE A LOOK AT THAT AND ALSO THAT EARNINGS PIECE THEREFORE IT ' S. BEING OPEN TO APPEARANCE AT THAT AND ALSO.
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SAY. AM I THAT REVENUE ITEM THEREFORE IT ' S. BEING OPEN TO TAKE A LOOK AT THAT AND ALSO.
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. AM I REALLY 4@ON TRACK.
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. AM I REALLY 4@ON TRACK.
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THAT TOOK PLACE BUT THAT ' S THAT ' S KNOW OBVIOUSLY THERE ' S POINTS. THAT'HAPPENED BUT THAT ' S THAT ' S KNOW OBVIOUSLY THERE ' S POINTS.
THAT OCCURRED BUT THAT ' S THAT ' S. WHAT WE 4@WHAT IS YOUR BEST THAT HAPPENED BUT THAT ' S THAT ' S. GUIDANCE FOR SOMEONE THAT THAT OCCURRED BUT THAT ' S THAT ' S.YO
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HE STATE. AM I REALLY 4@ON TRACK. YO
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HE CLAIMS SAY. AM I REALLY 4@ON TRACK. YO
KNOW RONALD REAGAN CLAIMED IT BEST
HE CLAIMS I'' M SAY. AM I REALLY 4@ON TRACK.
HE SAYS I'' M NOT SAY. AM I
REALLY 4@ON TRACK. HE SAYS I ' M NOT THE SAY.
BUT KNOW RONALD REAGAN CLAIMED IT BEST HE STATES I'' M NOT THE SMARTEST MAN 4@AROUND. IN KNOW RONALD REAGAN SAID IT BEST HE STATES I'' M NOT THE SMARTEST MAN 4@AROUND. IN THIS KNOW RONALD REAGAN SAID IT BEST HE SAYS I'' M NOT THE SMARTEST MAN [email protected] IN THIS DRAWE HE SAYS I ' M NOT THE MOST INTELLIGENT PERSON 4@AROUND.
BUT IN THIS DRAWE HE STATES I'' M NOT THE SMARTEST PERSON 4@AROUND.
BUT IN THIS DRAWE I'' VE HE CLAIMS I ' M NOT THE SMARTEST INDIVIDUAL 4@AROUND.
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INDIVIDUAL 4@AROUND. PERSON 4@AROUND. I ' VE GOT THOSE PEOPLE THAT THE GUY 4@AROUND.
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ANYTIME I NEED.
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INDEED FOR THE NICE.THAT '
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Brett Lee – What I Eat in a Day | Lifestyle | Pinkvilla
Jason 0 Comments Fashion for Seniors Health for the Retired
Hi it’s Brett Lee here And today i’m going to tell you or try to tell you everything that I eat during the day and what my fitness plan is Coffee Coffee to me is very important in the morning because we generally work late nights But now I try to have a balanced diet. I don’t do Dieting I don’t do any sort of fed different diets that you see around the world I just I’ve tried a balanced diet and what I mean by that is, you know meat and vegetables and Just heaps of fruit try to keep things nice and balanced but I reckon with with eating too Hydration is the key. You know if you can stay well hydrated these Hunger cravings can can can go away because you yeah, you are hydrated. Yes I had a masala dosa which was a lot of fun, but normally just eggs whether it’s an omelette, maybe some fruit salad And you know once again coffee because coffee is very important in morning for lunch and dinner.
It could be a salad with some chicken You know could be some lamb and then I I do eat a lot of curries back in Australia But I also love a lot of Western food. I love Japanese food You know, I love Thai food. So I’m pretty multi-culture when it comes to different foods We do a lot of barbecues back in Australia where we put some lamb on the barbeque and some chicken So yeah, look it changes everyday But also fish I enjoy eating fish if you ask my wife she would say that so I’m definitely not an early riser Because we work as I mentioned, you know different hours to most people we might be You know on television until midnight one o’clock each each day when we are working So yeah, I probably get up.
You know, it’s to me whatever time you go to bed you need 8 hours sleep and that’s gotta live my life on because sleep is the most important thing obviously to keep Keep a balanced life also to keep your weight at a balanced level sleep is very very important Well, oral hygiene if you ask my friends, they reckon I am What would they say that they’d say that my oral hygiene is a hundred over 100 because I floss probably five times a day Brush my teeth at least three times a day and you know making sure that you see the right people We’re down here today at dents, which is a wonderful place. I’ve just discovered the hygiene. The cleanliness is first-class world-class Definitely come back here again a favorite meal of the day. I think it’s probably dinner because that’s when as a family, you know us For unuse we obviously eat ate our meals a lot earlier than the traditional Indian culture So we will provide dinner in about 6 o’clock latest when I’m back in Australia and us it’s a really good chance Where we all come together as a family and share a beautiful meal probably would have to be Japanese food Yeah, it’s you know with whether it’s sushi sashimi.
I love all the fresh produce and the fresh fish And and also some salad too the healthiest alcoholic drink that’s probably oxymoron probably doesn’t even exist If you are gonna have a spirit have it with water thanda pani with it are there’s there’s there’s all these different diets going around But what happens with with diets in some people is that they you know, they will lose weight So they’ll go purely on a full fat diet They might go purely on a vegetarian diet And what actually happens is that? When they go on a fad or they go through this diet and they might last for six weeks or six months as soon as they go off it, you know, they put all the weight back on so consistency Keeping a balanced diet a balanced lifestyle. We all know that abs are made in the kitchen 80 percent of You know weight loss is definitely made for the kitchen and if you can substitute that with it with a nice You know training each day 45 minutes of training is all that you need You do that you tick that box and you should have a healthy life.
Oh, there are few fit guys in the world Kol is obviously a guy that looks after himself and he’s very fit You know if you think about the AVI play someone like a Mitchell stark He’s got a beautiful rap. You know, you don’t have to be the next cricketer You don’t have to be the next Bollywood star as long as you’re looking after your body and you’re comfortable in your own skin That’s the most important thing well I try to pride myself on being the fittest and we used to have competitions among the team who was the fittest But I think fast bowlers are definitely the fittest of all athletes.
I think throughout the world They’re smile. Anyone that’s on the Bollywood screen. I’ve got a good smile I mentioned a few before the Shah Rukh Khan Preity Zinta two friends of mine that that owned Kings XI and KKR so probably go this day just to keep things consistent and if you if you tick off Something every single day in order to to make you feel good So in other words get up in the morning achieve something whether it’s making your bed Whether it’s getting up taking out the rubbish Whether you go to the gym in the morning If you start the day knowing that you’ve actually achieved something so I like to get up feel fresh plenty of water You know making sure you’re drinking three to five liters of water a day. So that’s definitely the key Hi, this is Brett Lee.
Hopefully you have enjoyed my interview .
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