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My retirement checklist for 2023

Jason 0 Comments March 15, 2023 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.

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Jason 0 Comments March 15, 2023 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

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Jason 0 Comments March 14, 2023 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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Jason 0 Comments March 14, 2023 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

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Jason 0 Comments March 13, 2023 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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Jason 0 Comments March 11, 2023 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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Jason 0 Comments March 11, 2023 Retire Wealthy Retirement Planning Tips for Retiree's

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YOUR LIFE IS ALWAYS MONEY MENTORS IS SPONSORED BY
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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.
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RETIREMENT FIRM IN THE GRAND.
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RAPIDS AREA. WELCOME TO BOTH OF.
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WELCOME TO BOTH OF.
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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.
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THE NUMBER OF TIMES.
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YES. STEP ASIDE I ' M IN HERE WITH MY. STRATEGY HELP ME MAKE THIS OCCUR.
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WILL YES. SO WE SEE IT ON A REGULAR BASIS. TYPICALLY 4@ONE OF THE PARTNERS.
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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.
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. DON ' T HAVE THE VARIOUS DEVICES JUST DON'T.4@A GREAT DEAL OF TIMES YO.

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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.
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THAT 4@MONEY IS GOING TO LAST.
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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.
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THROUGH RETIREMENT AND ALSO THAT.
THROUGH THE INTENDING THAT 4@MONEY IS GOING TO LAST.
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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.
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PLAN. SEND OUT SUSPECT A LACK OF 4@EXPERTISE.

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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.
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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.
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MATHEMATICALLY AND ALSO PLACE ALL THE YOU TIN BE REALLY REALLY SHARP
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NUMBERS YOU CAN BE EXTREMELY REALLY ASTUTE
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NUMBERS WITH EACH OTHER YOU CAN BE EXTREMELY REALLY SHARP
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NUMBERS WITH EACH OTHER AND YOU TIN BE VERY REALLY SHARP
MATHEMATICALLY AS WELL AS PUT ALL THE
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NUMBERS WITH EACH OTHER AS WELL AS THEN MATHEMATICALLY AND PUT ALL THE
NUMBERS WITH EACH OTHER AS WELL AS THEN
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NUMBERS WITH EACH OTHER AND AFTERWARDS
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NUMBERS TOGETHER AND AFTER THAT
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NUMBERS TOGETHER AND AFTERWARDS
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SOMETHING IN LIFE BLOWS THAT UP @.
AS WELL AS NUMBERS TOGETHER AND ALSO AFTER THAT.
SOMETHING IN LIFE BLOWS THAT UP @.
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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.
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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.
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WE HAD A COUPLE COME. IN FROM WHICH'' S THE POINT THAT WE.

CHECK OUT.
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TAKE A LOOK AT. WE HAD A COUPLE COME.
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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.
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A CHECK OUT.

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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.
AS WELL.YOU 4@CAN MODIFICATION THAT REVENUE IN. FROM DIFFERENT INCOME SOURCES. WE ' RE YOU 4@CAN CHANGE THAT REVENUE IN.
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.
INCOME FROM VARIOUS REVENUE SOURCES. ALSO.
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.
THERE ' S A WHOLE LOT OF VARIOUS. PREPARING EARNINGS FROM LOSSES.
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.
PREPARING DEVICES'THAT 4@GO INTO EARNINGS FROM LOSSES.
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.
PROTECT THAT PLANNING DEVICES THAT 4@GO INTO I.
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.
SECURE THAT CRITICAL EARNINGS WE WISH TO MAKE CERTAIN THAT WE.
SAFEGUARD THAT CRITICAL INCOME.
NEED.WE WISH TO MAKE CERTAIN THAT WE. PROTECT THAT CRITICAL EARNINGS. REQUIREMENT.
4@BUT WE NEED TO SEE TO IT THAT WE.
PROTECT THAT CRITICAL EARNINGS. DEMAND. 4@BUT WE WE WISH TO MAKE CERTAIN THAT WE.
SECURE THAT CRITICAL REVENUE.
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4@BUT WE ALSO WISH TO MAK.
SURE SECURE THAT CRITICAL REVENUE. REQUIREMENT.
4@BUT WE ALSO INTEND TO MAK.
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NEED.4@BUT WE ALSO INTEND TO MAK

. CERTAIN THAT WE CAN DO SECURE THAT CRITICAL REVENUE.
REQUIREMENT. 4@BUT WE ALSO INTEND TO MAK.
CERTAIN THAT WE CAN DO THE SECURE THAT
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CERTAIN THAT WE CONTAINER DO THE FUN DEMAND. 4@BUT WE ALSO WISH TO MAK. CERTAIN THAT WE CONTAINER DO THE ENJOYABLE NEED
. 4@BUT WE ALSO NEED TO MAK.
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CERTAIN THAT WE CANISTER DO THE FUN. MATTERS IN REQUIREMENT. 4@BUT WE ALSO WISH TO MAK.
SURE THAT WE CANISTER DO THE FUN.
THINGS IN RETIREMENT REQUIREMENT.
4@BUT WE ALSO INTEND TO MAK. SURE THAT WE CANISTER DO THE ENJOYABLE.
DETAILS IN RETIRED LIFE YOU NEED. 4@BUT WE ALSO INTEND TO MAK.
CERTAIN THAT WE CANISTER DO THE FUN.
THINGS IN RETIREMENT YOU RECOGNIZE SURE THAT WE CANISTER DO THE ENJOYABLE
. MATTERS IN RETIREMENT YOU KNOW CERTAIN THAT WE CANISTER DO THE FUN.
TAKING A TRIP THAT SURE THAT WE CANISTER DO
THE FUN. MATTERS IN RETIRED LIFE YOU RECOGNIZE.
TRAVELING THAT TYPE SURE THAT WE CONTAINER DO THE ENJOYABLE. DETAILS IN RETIRED LIFE YOU KNOW. TRAVELING THAT KIND OF SURE THAT WE CAN DO THE ENJOYABLE.
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.
TRAVELING THAT KIND OF POINT IN SURE THAT WE CONTAINER DO THE ENJOYABLE.
DETAILS IN RETIRED LIFE YOU RECOGNIZE.
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TAKING A TRIP THAT KIND OF THING IN @.
IN SOME CASES THINGS IN RETIRED LIFE YOU KNOW.
TRAVELING THAT KIND OF THING IN @.
OCCASIONALLY YOUNG POINTS IN RETIREMENT YOU UNDERSTAND.
TAKING A TRIP THAT SORT OF POINT IN @. SOMETIMES YOUNG FUN THINGS IN RETIRED LIFE YOU UNDERSTAND.
TRAVELING THAT SORT OF THING IN @.
OCCASIONALLY YOUNG AMUSING POINTS THINGS IN RETIREMENT YOU KNOW. IN SOME CASES YOUNG ENJOYABLE THINGS NEW TRAVELING THAT KIND OF THING IN @. SOMETIMES YOUNG ENJOYABLE THINGS NEW TRAVELING THAT TYPE OF THING IN @.
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.

DNA. EXACTLY. THEY'' LL JB. STRATEGY. ROOFING 4@HOUSE OR SOMETHING LIKE. THAT. DNA.
THEY ' LL JB. STRATEGY.
THEY'' LL JB. STRATEGY. WE ROOF COVERING 4@HOUSE OR SOMETHING LIKE.
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.
THEY ' LL JB. STRATEGY.
SO WE WE STRATEGY ALL.
THE WAY THROUGH THAT.
THEY ' LL JB. STRATEGY.
THE WAY THROUGH FOR THAT.
THEY ' LL JB. PLAN.
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.
KNOW STRATEGY AS WELL.SO WE WE PLAN ALL.
THE WAY THROUGH FOR THAT YOU.
KNOW OBVIOUSLY STRATEGY ALSO.
WE WE STRATEGY ALL. THE WAY THROUGH FOR THAT YOU.
KNOW OBVIOUSLY THERE'' S PLAN ALSO. WE WE PLAN ALL. THE METHOD THROUGH FOR THAT YOU.
KNOW OBVIOUSLY THERE'' S POINTS. THAT TOOK PLACE BUT THAT ' S THAT ' S KNOW OBVIOUSLY THERE ' S THINGS. THAT'TOOK PLACE BUT THAT ' S THAT ' S KNOW OBVIOUSLY THERE ' S THINGS.
THAT HAPPENED BUT THAT ' S THAT'' S.
WHAT KNOW OBVIOUSLY THERE ' S THINGS.
THAT HAPPENED BUT THAT'' S THAT ' S.
WHAT WE KNOW OBVIOUSLY THERE ' S THINGS. THAT'TOOK PLACE BUT THAT ' S THAT '
S. WHAT WE 4@WHAT KNOW OBVIOUSLY THERE ' S THINGS.
THAT OCCURRED BUT THAT ' S THAT ' S. WHAT WE 4@WHAT IS KNOW OBVIOUSLY THERE ' S THINGS.
THAT TOOK PLACE BUT THAT ' S THAT ' S. RECOMMENDATIONS THAT TOOK PLACE BUT THAT ' S THAT ' S. GUIDANCE FOR SOMEBODY WHO NEEDS THAT TOOK PLACE BUT THAT ' S THAT ' S.
GUIDANCE FOR SOMEONE WHO NEEDS TO WHAT WE 4@WHAT IS YOUR BEST. SUGGESTIONS FOR SOMEONE WHO NEEDS TO. SIMPLY WHAT WE 4@WHAT IS YOUR BEST. RECOMMENDATIONS FOR A PERSON THAT REQUIRES TO. SIMPLY GET WHAT WE 4@WHAT IS YOUR BEST. RECOMMENDATIONS FOR SOMEBODY WHO REQUIRES TO.
JUST OBTAIN OUT WHAT WE 4@WHAT IS YOUR BEST.
RECOMMENDATIONS FOR SOMEBODY THAT NEEDS TO.
SIMPLY OBTAIN OUT OF WHAT WE 4@WHAT IS YOUR BEST.
ADVICE FOR A PERSON WHO NEEDS TO.
SIMPLY GET OUT OF THEIR WHAT WE 4@WHAT IS YOUR BEST.
RECOMMENDATIONS FOR SOMEONE WHO NEEDS TO.
JUST OBTAIN OUT OF THEIR MEANS WHAT WE 4@WHAT IS YOUR BEST. SUGGESTIONS FOR A PERSON WHO REQUIRES TO.
JUST GET OUT OF THEIR MEANS KIND ADVICE FOR SOMEBODY THAT NEEDS TO. JUST GET OUT OF THEIR MEANS KIND ADVICE FOR SOMEBODY WHO REQUIRES TO
. SIMPLY OBTAIN OUT OF THEIR MEANS KIND.
OF GUIDANCE FOR SOMEBODY WHO REQUIRES TO. SIMPLY GET OUT OF THEIR METHOD KIND. OF LIKE SUGGESTIONS FOR SOMEONE WHO NEEDS TO.
SIMPLY LEAVE THEIR METHOD KIND. OF SIMILAR TO THIS GUIDANCE FOR SOMEBODY WHO REQUIRES TO. JUST OBTAIN OUT OF THEIR METHOD KIND. OF SUCH AS THIS COUPLE
SUGGESTIONS FOR A PERSON WHO REQUIRES TO. SIMPLY OBTAIN OUT OF THEIR WAY KIND.
OF SUCH AS THIS COUPLE THIS GUIDANCE FOR A PERSON THAT REQUIRES TO.
SIMPLY OBTAIN OUT OF THEIR WAY KIND.
OF LIKE THIS COUPLE THIS OTHER SIMPLY OBTAIN OUT OF THEIR MEANS KIND.
OF SIMILAR TO THIS COUPLE THIS OTHER JUST GET OUT OF THEIR METHOD KIND. OF LIKE THIS COUPLE THIS FELLOW.
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.
DID IN YOUR INSTANCE. IT'' S. REALLY OF SUCH AS THIS PAIR THIS OTHER.
DID IN YOUR INSTANCE. IT'' S. REALLY UNDERSTANDING OF SUCH AS THIS PAIR THIS FELLOW. DID IN YOUR EXAMPLE. IT'' S. REALLY UNDERSTANDING EVERY ONE OF SIMILAR TO THIS COUPLE THIS FELLOW. DID IN YOUR EXAMPLE. IT'' S. REALLY UNDERSTANDING ALL THE OF LIKE THIS PAIR THIS OTHER.
DID IN YOUR EXAMPLE. IT'' S. REALLY UNDERSTANDING ALL THE 4 @ DID IN YOUR INSTANCE. IT'' S. REALLY UNDERSTANDING ALL THE 4 @ DID IN YOUR INSTANCE. IT ' S. REALLY UNDERSTANDING ALL THE 4 @. PIECES DID IN YOUR EXAMPLE. IT ' S. REALLY UNDERSTANDING ALL THE 4 @. PIECES OF DID IN YOUR EXAMPLE. IT ' S. REALLY UNDERSTANDING ALL THE 4 @. ITEMS OF THE DID IN YOUR EXAMPLE.
IT ' S. REALLY UNDERSTANDING ALL THE 4 @.
PIECES OF THE CHALLENGE DID IN YOUR INSTANCE. IT ' S. REALLY UNDERSTANDING ALL THE 4 @.
ITEMS OF THE CHALLENGE FOR REALLY UNDERSTANDING ALL THE 4 @. PIECES OF THE CHALLENGE FOR REALLY UNDERSTANDING ALL THE 4 @.
PIECES OF THE PUZZLE FOR. RETIREMENT YOU TRULY UNDERSTANDING ALL THE 4 @.
RETIRED LIFE YOU UNDERSTAND TRULY UNDERSTANDING ALL THE 4 @. RETIREMENT YOU UNDERSTAND TAX OBLIGATIONS REALLY UNDERSTANDING ALL THE 4 @.
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.
MONITORING SOCIAL SECURITY. PENSIONS MEDICARE UNDERSTANDING MANAGEMENT SOCIAL PROTECTION.
PENSIONS MEDICARE UNDERSTANDING MANAGEMENT SOCIAL PROTECTION.
PENSION PLANS MEDICARE UNDERSTANDING.
THAT ADMINISTRATION SOCIAL SAFETY.
PENSION PLANS MEDICARE UNDERSTANDING.
THAT 4@YOU MONITORING SOCIAL SAFETY AND SECURITY. PENSION PLANS MEDICARE UNDERSTANDING.
THAT 4@YOU HAVE ADMINISTRATION SOCIAL PROTECTION. PENSIONS MEDICARE UNDERSTANDING.
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.
AND AFTER THAT SIMILARLY THAT 4@YOU HAVE TO HAVE YOUR. STATE DEALING WITH YOUR STRATEGY. AND ALSO AFTER THAT JUST AS IMPORTANTLY STATE COLLABORATING WITH YOUR PLAN.
AND THEN JUST AS IMPORTANTLY STATE DEALING WITH YOUR PLAN.
AND AFTER THAT JUST AS IMPORTANTLY.
YO4@U'RE STATE FUNCTIONING WITH YOUR STRATEGY.
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.
YO4@U'RE 4@INVESTMENTS NEED TO.
DIVERSIFIED AS AND AFTER THAT JUST AS IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS HAVE TO.
VARIED ALSO AND AFTER THAT EQUALLY IMPORTANTLY.
YO4@U'RE 4@INVESTMENTS HAVE TO.
DIVERSIFIED ALONG WITH AND AFTER THAT SIMILARLY IMPORTANTLY. YO4@U'RE 4@INVESTMENTS HAVE TO.
DIVERSIFIED IN ADDITION TO HAVE YO4@U'RE 4@INVESTMENTS NEED TO.
VARIED IN ADDITION TO HAVE YO4@U'RE 4@INVESTMENTS HAVE TO.
VARIED ALONG WITH HAVE.
THAT YO4@U'RE 4@INVESTMENTS HAVE TO.
DIVERSIFIED ALONG WITH HAVE.
THAT INCOME YO4@U'RE 4@INVESTMENTS NEED TO.
DIVERSIFIED IN ADDITION TO HAVE.
THAT EARNINGS ITEM YO4@U'RE 4@INVESTMENTS NEED TO.
VARIED ALONG WITH HAVE.
THAT INCOME PIECE AND ALSO YO4@U'RE 4@INVESTMENTS NEED TO.
VARIED AS WELL AS HAVE.
THAT INCOME PIECE AND SO YO4@U'RE 4@INVESTMENTS HAVE TO. VARIED AS WELL AS HAVE.
THAT INCOME ITEM AND ALSO SO IT'' S DIVERSIFIED AS WELL AS HAVE. THAT REVENUE ITEM AS WELL AS SO'IT
' S DIVERSIFIED VARIED WELL AS HAVE. THAT REVENUE PIECE AS WELL AS SO'IT
' S. BEING DIVERSIFIED VARIED WELL AS HAVE.

THAT REVENUE PIECE THEREFORE IT'' S. BEING OPEN TO TAKE A LOOK AT THAT DIVERSIFIED AS WELL AS HAVE. THAT INCOME ITEM THEREFORE'IT
' 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.
SAY.THAT INCOME ITEM AS WELL AS SO IT ' S. BEING OPEN TO APPEARANCE AT THAT AS WELL AS.
SAY. AM THAT REVENUE ITEM AND ALSO SO IT ' S. BEING OPEN TO CONSIDER THAT AND.
SAY. AM I THAT REVENUE ITEM THEREFORE IT ' S. BEING OPEN TO TAKE A LOOK AT THAT AND ALSO.
SAY. AM I REALLY THAT EARNINGS PIECE THEREFORE IT ' S. BEING OPEN TO CONSIDER THAT AND.
AM I REALLY 4@ON THAT INCOME ITEM AS WELL AS SO IT ' S. BEING OPEN TO APPEARANCE AT THAT AS WELL AS. AM I REALLY 4@ON TRACK.
THAT INCOME ITEM THEREFORE IT ' S. BEING OPEN TO LOOK AT THAT AND. SAY. AM I REALLY 4@ON TRACK.
YO BEING OPEN TO CONSIDER THAT AND ALSO. SAY
. AM I REALLY 4@ON TRACK.
YO BEING OPEN TO CONSIDER THAT AS WELL AS. SAY
. AM I REALLY 4@ON TRACK.
KNOW BEING OPEN TO LOOK AT THAT AND ALSO. AM I REALLY 4@ON TRACK.
YO. KNOW RONALD BEING OPEN TO CONSIDER THAT AND ALSO. SAY. AM I REALLY 4@ON TRACK.
YO. KNOW RONALD REAGAN BEING OPEN TO CHECK OUT THAT AS WELL AS. SAY. AM I REALLY 4@ON TRACK.

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
KNOW RONALD REAGAN CLAIMED BEING OPEN TO TAKE A LOOK AT THAT AND
SAY.AM I REALLY 4@ON TRACK. YO
KNOW RONALD REAGAN CLAIMED IT BEING OPEN TO CHECK OUT THAT AS WELL AS
SAY. AM I REALLY 4@ON TRACK. YO
KNOW RONALD REAGAN SAID IT BEST SAY. AM I REALLY 4@ON TRACK. YO
KNOW RONALD REAGAN CLAIMED IT BEST SAY. AM I REALLY 4@ON TRACK. YO
KNOW RONALD REAGAN STATED IT BEST
HE STATE. AM I REALLY 4@ON TRACK. YO
KNOW RONALD REAGAN STATED IT BEST
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.
BUT IN THIS DRAWE I'' VE GOT HE SAYS I ' M NOT THE MOST INTELLIGENT PERSON 4@AROUND.
INDIVIDUAL 4@AROUND. PERSON 4@AROUND. I ' VE GOT THOSE PEOPLE THAT THE GUY 4@AROUND.
BUT IN THIS DRAWE I ' VE GOT THOSE PEOPLE THAT THE MAN 4@AROUND.
IN THIS DRAWE I ' VE GOT THOSE INDIVIDUALS THAT THE SMARTS INDIVIDUAL 4@AROUND.
SMARTS IN AS WELL AS PERSON 4@AROUND. SMARTS IN AND I'MAN 4@AROUND. SMARTS IN AND ALSO I'CAN PERSON 4@AROUND.
THEM ANYTIME I NEED. THEM ANYTIME I NEED. THAT'' S. NICE.
THEM ANYTIME I REQUIRED. THAT'' S. NICE. THAT ' S SMARTS IN AND
I TIN CALL ON. THEM'ANYTIME I REQUIRED. THAT ' S. NICE.
THAT ' S WONDERFUL SMARTS IN AS WELL AS I CAN CALL'ON. THEM ANYTIME I NEED.THAT ' S. NICE.
THAT ' S WONDERFUL TO SMARTS IN'AND I CAN CALL'ON. THEM ANYTIME I NEED.
THAT ' S. NICE. THAT'' S WONDERFUL TO KNOW SMARTS IN AND I TIN GET IN TOUCH WITH.
THEM ANYTIME I REQUIRED. THAT'' S. NICE. THAT ' S NICE TO KNOW OK SMARTS IN AND I TIN CALL ON.
THAT ' S. NICE. THAT'' S GREAT TO KNOW OK SO THEM ANYTIME I REQUIRED.
THAT ' S NICE TO KNOW OK SO THEM AT ANY MOMENT I NEED. THAT ' S. NICE.
THAT ' S GOOD TO KNOW OK SO. YOU THEM ANYTIME I REQUIRED. THAT ' S. NICE.
THAT ' S GREAT TO KNOW OK SO. YOU HAVE THEM
ANYTIME I NEED.
THAT ' S. NICE. THAT ' S GOOD TO KNOW OK SO.

YOU HAVE A THEM AT ANY TIME I NEED.
THAT ' S. NICE. THAT ' S GREAT TO KNOW'OK SO.
YOU HAVE A SPECIAL THEM AT ANY TIME I REQUIRED. THAT ' S. NICE.
THAT ' S GOOD TO KNOW OK SO.
YOU HAVE An UNIQUE DEAL THEM WHENEVER I NEED.THAT ' S. NICE.
THAT ' S GOOD TO KNOW OK SO.
YOU HAVE A SPECIAL DEAL FOR NICE.
THAT ' S WONDERFUL TO KNOW OK SO.
YOU HAVE A SPECIAL DEAL FOR NICE.
THAT ' S NICE TO KNOW OK SO.
YOU HAVE An UNIQUE OFFER FOR. OUR NICE.
THAT ' S NICE TO KNOW OK SO.
YOU HAVE A SPECIAL DEAL FOR.

OUR VIEWERS. WONDERFUL. THAT ' S WONDERFUL TO
KNOW OK SO. YOU HAVE An UNIQUE DEAL FOR. OUR VIEWERS. OF COURSE GREAT. THAT ' S NICE TO KNOW OK SO.
YOU HAVE An UNIQUE DEAL FOR. OUR CUSTOMERS. YES FOR NICE.
THAT ' S GOOD TO KNOW OK SO.
YOU HAVE A SPECIAL OFFER FOR.
INDEED FOR THE NICE.THAT '
S NICE TO KNOW OK SO. YOU HAVE A SPECIAL DEAL FOR.
YES FOR THE NEXT YOU HAVE An UNIQUE DEAL FOR.
OUR VIEWERS. INDEED FOR THE NEXT YOU HAVE A SPECIAL DEAL FOR. OUR VIEWERS. YES FOR THE NEXT. THREE YOU HAVE A SPECIAL DEAL FOR. OUR CUSTOMERS. YES FOR THE NEXT.
3 CUSTOMERS YOU HAVE A SPECIAL DEAL FOR.
OUR CUSTOMERS. OF COURSE FOR THE NEXT.
THREE CALLERS THAT YOU HAVE A SPECIAL DEAL FOR.
OUR AUDIENCES. OF COURSE FOR THE NEXT.
THREE CALLERS THAT HAVE YOU HAVE A SPECIAL DEAL FOR.
OUR VIEWERS. YES FOR THE NEXT.
3 CUSTOMERS THAT HAVE 2 OUR VIEWERS.

OF COURSE FOR THE NEXT.
3 CUSTOMERS THAT HAVE TWO OUR AUDIENCES. THREE CALLERS THAT HAVE 2.
THREE CALLERS THAT HAVE 2. HUNDRED FIFTY OUR VIEWERS. INDEED FOR THE NEXT.
3 CUSTOMERS THAT HAVE TWO.
HUNDRED FIFTY THOUSAND OUR VIEWERS.YES FOR THE NEXT.
3 CUSTOMERS THAT HAVE TWO.
HUNDRED FIFTY THOUSAND 4@DOLLAR 3 CUSTOMERS THAT HAVE 2.
HUNDRED FIFTY THOUSAND 4@DOLLAR THREE CALLERS
THAT HAVE 2. HUNDRED FIFTY THOUSAND
4@DOLLAR. OR 3 CUSTOMERS THAT HAVE TWO.
HUNDRED FIFTY THOUSAND 4@DOLLAR.
HUNDRED FIFTY THOUSAND 4@DOLLAR
. HUNDRED FIFTY THOUSAND 4@DOLLAR. OR EVEN MORE SAVE FOR
RETIREMENT RETIRED LIFE FIFTY THOUSAND 4@DOLLAR.
OR EVEN MORE CONSERVE FOR RETIREMENT HUNDRED FIFTY THOUSAND 4@DOLLAR. OR EVEN MORE CONSERVE FOR RETIRED LIFE. WE ' D HUNDRED FIFTY THOUSAND 4@DOLLAR. OR MORE SAVE FOR RETIREMENT. WE ' D LOVE HUNDRED FIFTY THOUSAND 4@DOLLAR.
OR'MORE CONSERVE FOR RETIRED LIFE. WE ' D LOVE TO HUNDRED FIFTY THOUSAND 4@DOLLAR.
WE ' D LOVE TO PUT HUNDRED FIFTY THOUSAND 4@DOLLAR. WE ' D LOVE TO PUT THEIR HUNDRED FIFTY THOUSAND 4@DOLLAR.
OR EVEN MORE SAVE FOR

RETIREMENT. WE ' D LOVE TO PUT
THEIR STRATEGY OR MORE CONSERVE FOR RETIREMENT
. WE ' D LOVE TO PUT THEIR PLAN OR
EVEN MORE SAVE FOR RETIRED LIFE.
WE ' D LOVE TO PUT THEIR STRATEGY. TOGETHER.OR MORE SAVE FOR RETIREMENT'. WE ' D LOVE TO PUT THEIR STRATEGY. TOGETHER. SO OR MORE CONSERVE FOR RETIREMENT.
WE'' D LOVE TO PUT THEIR STRATEGY. TOGETHER. SO THEY OR EVEN MORE SAVE FOR RETIREMENT.' WE ' D LOVE TO PUT THEIR PLAN. WITH EACH OTHER. SO THEY HAVE OR MORE SAVE FOR RETIRED LIFE.
WE ' D LOVE TO PUT THEIR STRATEGY. WE ' D LOVE TO PUT
THEIR PLAN. THEY HAVE An ANXIETY WE ' D LOVE TO PUT THEIR PLAN.
TOGETHER. THEY HAVE A'STRESS WE ' D LOVE TO PUT THEIR STRATEGY. TOGETHER.
SO THEY HAVE A TENSION. TOTALLY FREE WE ' D LOVE TO PUT THEIR PLAN.
WITH EACH OTHER. THEY HAVE A STRESS AND ANXIETY.
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TO RETIRED LIFE.

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RETIREMENT 4@MATTSON LOOKING TO MAKE CERTAIN YOU ' RE ON. THE RIGHT TRACK FOR YOUR.
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' RE ON. THE RIGHT TRACK FOR YOUR.
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CURRENTLY THE FIRST 4@THREE CUSTOMERS TERRIFIC OFFER FOR YOU. .
CURRENTLY THE FIRST 4@THREE CUSTOMERS GREAT OFFER FOR YOU. RIGHT.
NOW THE FIRST 4@THREE CALLERS. WITH TERRIFIC OFFER FOR YOU.
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. CURRENTLY THE FIRST 4@THREE CALLERS. WITH A PROFILE OF FANTASTIC DEAL FOR YOU.RIGHT.
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. NOW THE FIRST 4@THREE CUSTOMERS
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. FIFTY THOUSAND DOLLARS OR WITH A PORTFOLIO OF 2 HUNDRED.
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.
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REQUIRED TO BE THE CONTACT NUMBER TO.
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NEED TO BE THE CONTACT NUMBER TO.
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REQUIRED TO BE THE PHONE NUMBER TO.
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REQUIRED TO BE THE TELEPHONE NUMBER TO.
PHONE CALL 6 1 6 5 1 4 3 8 3 A STRATEGY TO GET TO WHERE YOU. NEED TO BE THE TELEPHONE NUMBER TO. PHONE CALL 6 1 6 5 1 4 3 8 3 1 REQUIREMENT TO BE THE CONTACT NUMBER TO. TELEPHONE CALL 6 1 6 5 1 4 3 8 3 1 REQUIREMENT TO BE THE PHONE NUMBER TO. PHONE CALL 6 1 6 5 1 4 3 8 3 1.
AGAISNT REQUIREMENT TO BE THE CONTACT NUMBER TO.
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AGAISNT 6 1 6 5 1 4 3 8 3 1.
TELEPHONE CALL 6 1 6 5 1 4 3 8 3 1. SAY THANKS TO CALL 6 1 6 5 1 4 3 8 3 1.

SINCE IT ' S An ENTIRE SHOWING THE ROADMAP HOW THEY ' RE. DUE TO THE FACT THAT IT ' S An ENTIRE NEW SHOWING THE ROADMAP HOW THEY ' RE.
INDIVIDUALS AT HOUSE IF YOU'' RE. SUCCESSFUL AND ALSO THEY'' LL TALK ABOUT WHAT YOU. IT'' LL AND THEY ' LL TALK ABOUT WHAT YOU.THANK YOU CALL 6 1 6 5 1 4 3 8 3 1
AGAISNT 6 1 6 5 1 4 3 8 3 1 THANKS BOTH PHONE CALL 6 1 6 5 1 4 3 8 3 1.
AGAISNT 6 1 6 5 1 4 3 8 3 1. THANK YOU BOTH 4@DESAI.

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Jason 0 Comments March 11, 2023 Retire Wealthy Retirement Planning Tips for Retiree's

Currently allow'' s claim let ' s look at what their probabilities are when they get to age 90. In Fred'' s 90 as well as Ethel is 89 allow me show you something there is a 44 chance that either that one of them will certainly still be alive at age 90. Songs]

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Jason 0 Comments March 10, 2023 Retire Wealthy Retirement Planning Tips for Retiree's

in this video clip we'' ll consider what costs you need to think regarding getting rid of prior to retiring and also a couple of mistakes that senior citizens make when it involves expenses in retired life there'' s a couple of points that you may intend to bid farewell to before you bid farewell to that wage or that job income we ' re mosting likely to cover this in three parts it ' s mosting likely to'look like this first we ' ll go over wants and needs and afterwards what i ' d call highway burglary and after that likewise what to ear mark in retirement we ' ve seen that the retired people that can do away with these expenditures before retiring have a little bit more breathing space as well as they really feel better concerning their retired life plan since when you ' re preparation for retired life we usually think of truly two kinds of expenses it ' s the needs which are the basics the absolute must-haves to just live you called you consider my maslow'' s pecking order of demands those points at the base layer and also'then there ' s the desires which are the the nice to have things but after that there are other sorts of expenditures that actually put on ' t match that category of needs or desires those are the points that we require to be made with prior to retired life as well as incidentally i'' m dave zoller and me and also my team we run streamline economic it'' s a riches management firm focused on retired life planning and also we'' ve been assisting people directly for 13 years and also enhances been around for 22 years and we created this channel to share what'' s working with our clients to ensure that you can profit also so if you'' re near to retired life be certain to subscribe because i share one new video each week to make your retirement a little bit better i likewise placed some free sources in the description listed below like my favored diy retirement planner if you'' re even more of a do-it-yourselfer so let'' s get into the listing and after that as you ' re viewing if i leave something out please share it in the comments listed below i'' d love to speak with you and after that likewise i'' ll attempt to reply back to depending upon exactly how several comments i obtain so the first two you will probably agree with however you could not be thinking of the various other ones as well as i desire to show you ways to prepare and simply make certain that your retired life is a little smoother by utilizing our retirement planning software the first one which you already recognize is to settle high interest financial obligation which i sometimes consider freeway robbery it'' s when those passion rates are just so high as well as they ' re billing people it simply seems unreasonable right that high rate of interest financial debt i'' m referring to is generally credit history card financial debt as well as often it'' s pupil funding debt and you'' d be surprised at the number of individuals who in their very first year of retirement they still have a large regular monthly payment towards charge card payments or trainee funding debt as well as this need to be the primary point that we must focus on to really minimize before we say bye-bye to that task revenue or that wage because if you retire with debt card debt and after that you buckle down about paying it off in retired life then that means you'' ve got this larger quantity that you reached take from investments which could modify your retired life intends i helped a female recently who'' s not a client yet she was looking at her plan and she wanted some assistance and also she had concerning 20k of debt card financial debt she additionally had over a million dollars as well as her routine expenses adding this 20k of a swelling amount expenditure to her plan it truly made fairly an effect as well as when we looked at that with each other it provided her the inspiration to work a bit additional and extra hard to get this financial debt repayment to no or obtain the charge card debt down to no prior to retiring due to the fact that she'' d have a greater satisfaction and it would just enhance her self-confidence as she was going right into retired life that satisfaction it'' s essential right i ' m certain you ' re feeling similarly i in fact intend to share a little bit much more regarding exactly how to accomplish this prior to you retire and also during retirement and also i share that at the end of this video clip so remain tuned the following ones are expenditures that you can either pay early or at the very least you intend to earmark these in your retirement and i'' ll reveal you what i suggest when i say allocate that simply suggests alloting funds for certain objectives and also either not including those funds in your retirement plan or including them however a minimum of revealing the specifics within the strategy as well as i'' ll reveal you some photos coming up of a retired life plan and just how to do this primary thing to earmark is any type of huge traveling expenditures that you'' re anticipating that first year of retirement or truly the first couple of years of retirement a great deal of individuals kick off retired life as well as they'' ll actually have a big unique trip that they ' ve constantly desired to take or an area that they'' ve always intended to go to as well as great deals of times that getaway it'' s going to cost even more than the typical trip that you could tackle a regular year it'' s truly that cap to uh ending job and afterwards actually doing a bigger than normal trip some clients choose to take one of those european uh river cruises that are pretty popular as well as they can cost 10 to 20k or even more as well as knowing that this is a larger than regular expenditure or a round figure cost coming quickly right into retirement you can either pay that ahead of time like really many of the cruise ship areas make you do or you can at the very least allocate it in the plan as well as ensure that everything deal with whatever and also i'' ll throw it in there as an example coming up soon here'' s an example of a retirement that'' s based on yearly costs going up annually three percent regular inflation price and afterwards over on the left side we can add some expenses that are larger and also irregular you recognize not the normal each year costs yet points we can earmark to make sure that we can see the effect of on the strategy before in fact investing the money and doing it by doing this we can include some peace of mind to your retirement plan as well as your self-confidence as you'' re spending cash therefore you can simply really feel that it'' s an excellent choice and really feel great concerning that vacation or whatever it may be a few various other larger than regular one-time costs we'' ve seen belong to your grown-up youngsters if you have them whether it'' s last university expenses or maybe a wedding celebration that you intend to aid out with or future gifts possibly towards a residence purchase or something like that for those you'' re not truly able to pay those before you retire since we put on'' t know when they ' re mosting likely to occur so earmarking them is the next ideal action and setting funds aside to make sure that these possible expenditures that you might have in the future are all set and readily available ready to release when required one blunder that we'' ve seen some retirees make getting near retirement is not considering these one-time expenditures and afterwards getting captured a little off guard when it'' s time to spend for them particularly if we'' re in a market like we are now now you may be assuming one big cost that i did not discuss and also before i share that one if you appreciated enjoying this video clip until now as well as you located it useful please click the like switch so this can hopefully infect other individuals who resemble you as well as may discover it handy also to ensure that one huge expenditure that you might be assuming of that i didn'' t reference yet is settling your entire home mortgage before you retire and this is a large one for many individuals as you'' ve listened to before behind every financial decision there'' s additionally a psychological one as well as well as many individuals they really feel very strongly or perhaps determined on on being debt-free in retired life and also that'' s an actually excellent feeling for for lots of people for others relying on their economic decision it really a mortgage can in fact make good sense in retired life some people see it as a fixed expense which doesn'' t increase with inflation it actually obtains less expensive as everything else increases with inflation and as one dollar can buy much less as well as much less gradually which is essentially what what rising cost of living is it may go to truly eye-catching rate of interest rates also and also some people wish to have a little a lot more flexibility in their pension by keeping some funds offered in their non-retirement accounts versus using that cash to settle the mortgage the much more crucial point to to think of when determining whether this makes sense whether to pay it off or otherwise is try to measure initially just the emotional sensation or convenience with debt you understand on your own and afterwards additionally your spouse if you'' re wed and after that tip two is map out both circumstances what does it appear like that plan that we'' re simply taking a look at over right here what does it resemble if you settle financial obligation early or don'' t pay off the home mortgage whatsoever take a look at the distinction see which one'' s alright great deals of times it comes down to the toughness of the emotional feeling around debt for someone in the connection or if it'' s simply you then'it ' s simply whatever you choose when we'' re considering settling expenses or setting aside things in retirement get help from an economic professional a cfp could be a terrific area to begin yet i'' d like to learn through you what did i not point out as we'' re thinking of these various costs in retired life i'' d love to hear your ideas concerning these expenses and also specifically the ideas on home loan having a mortgage in retirement and i desire to share an additional video clip regarding how raising peace of mind and ensuring that you obtain both parts needed for a successful retirement the sad point is that in this industry the monetary sector a lot of the time they concentrate on one point however right here'' s a video clip to see that ' ll assistance you think about and get ready for both sides of retirement so with any luck i'' ll see you there as well as if you haven ' t already subscribe as well as after that i'' ll see you in future videos make sure you

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Jason 0 Comments March 10, 2023 Retire Wealthy

While the estimated number of affluent people.
proceeds to increase progressively, a great deal of normal folks are being left. If you are one of.
These people, it possibly suggests that you are not doing something. However hopefully, I’ll.
change that today. By the end of this video, you will certainly understand about all the best channels which.
you can utilize to build riches. Stay tuned! Number 1: Educate yourself first If we ever before intend to transform our economic standing,.
you should begin with our frame of mind. You can start changing your frame of mind by coming to be accustomed.
with the essentials of financing. It’s insane that some individuals are employed yet are still clueless.
concerning some standard principles like exactly how to file their taxes.While some individuals

choose ignore this or.
assume they can just get somebody to do it for them, this is the wrong approach. Familiarizing.
yourself or at the extremely least, understanding exactly how to file your very own taxes, is a great concept. .
accustom on your own with these standard terms; revenue, expenditures, internet worth, return on investment,.
passive revenue, economic independence, and so forth. In enhancement, reviewed all the books you can find.
which are connected to fund. If analysis is not your point, you can listen to podcasts or anything.
that’ll make you financially mindful. The factor is to never quit finding out. While in the procedure, you.
must additionally be mindful since the net has all sort of details; while some hold true,.
others are deceiving. If you wish to locate out the very best information, a good bet is to inspect.
out all the effective financiers. Follow their social networks pages, and blogs, due to the fact that they need to.
have some pretty informative points to inform you. Number 2: Get a routine revenue resource initially If you intend to become rich one.
day, and you do not come from cash, then friend, you much better have a plan. The.
thing is, you can not just get up and determine that you intend to start gathering your.
wealth.First, you’ll

require a game plan, which should factor in your income source,.
whether that will certainly be a normal work or a hustle. As soon as you have saved up enough, you need to then.
begin looking into way’s in which you can grow what you have conserved right into something significant..
This might imply, purchasing the securities market, starting a business, or obtaining education and learning.
and qualification for a high-income skill. Whichever one you select, make.
sure you are also psychologically, gotten ready for it potentially, not functioning.
out, and having to start throughout again.But prior to

I relocate to the following point, if you.
are delighting in the material thus far, make sure to provide this video a thumbs up for that YouTube.
formula, and subscribe if you are brand-new below. Number 3: Make a budget and also adhere to it. For some reason, some individuals assume that it’s.
undesirable to have a spending plan. That having a spending plan, and establishing a limit on your costs.
is being as well strict on yourself. What they fail to see is that.
budgeting has a variety of benefits. First, you’ll end up being self-displined and stop on your own.
from spending too much on points that aren’t a concern. This can absolutely aid you to.
develop your savings and eventually your wealth. Personally, I utilize the 50/30/20 policy, which.
is fairly straightforward yet very efficient. 50% of my profits mosts likely to essentials like rent, food, or.
wellness treatment.30% goes to my requirements like purchasing or entertainment, as well as 20% mosts likely to my savings. By.
preparing your income in this manner, you’ll find your riches growing progressively every month. It’ll.
appear fairly easy. The main factor of budgeting is to reduce your costs and also maximize your.
cost savings. It’s practically like trading something for the other, with the only difference being.
that saving is way much more helpful than costs. If you intend to learn extra, I made a.
overview which speaks about all this and more, which you can obtain absolutely free making use of.
the web link in the summary. Number 4: Build a reserve. Visualize this situation, you have a very early 2000.
Toyota Corolla, which for a number of years has offered you well. However, it’s getting old.
now, as well as it’s starting to develop a pair issues currently. It’s your only cars and truck and you depend on.
it a lot for work and also commuting.If anything poor were to take place to it, you wouldn ' t understand where. the cash would certainly come from to change it.
Yet someday the worst does happen, and also your car. breaks down. The fixing costs is enormous and you aren ' t sure where the cash is going to. come from. Your only options are, offering an investment to spend for the repair service, or enter into financial debt. which you will certainly have to pay a high interest on.
This is simply a fund you ought to keep that will certainly
help assist in times of unplanned unexpected. The need for such
a fund was made clear for a. Number 5: Invest money.
you’ll not have the ability to maintain up with. You can begin by spend in supplies by.
If you’re not comfy with supplies, you can choose bonds. These act like IOUs (. You’ll additionally have to do correct study.
Most of the time, it consists of stocks, bonds, or a combination. Common funds are fairly risky, they also birth extremely good incentives in the end. At times, we tend to invest the cash we weren’t intended to.
( Pretty genius, don’t you believe?) It’s. an excellent instance of functioning smart and not hard.
Number 7: Raise your retirement savings. Gradually saving cash is a remarkable means. to worsen your wide range into ton of money. This is frequently very obvious to most. people who save up for retirement. Some really usual ways to do so are by. making use of the 401( k) plan or the individual retirement account. The 401 (k )account is one that is given by the. company to conserve the worker ' s wage for retired life. Many of the moment, the money is. taken into excellent use through bonds,
common funds, supplies, assured investment agreements,. target-date funds, or your employer’s stock. With this strategy in play, you can contribute. a percent of your salary that will be used as an investment', which is later taken into. your retirement fund.The finest feature of the 401( k )strategy is that you can choose when to. be strained, whether at the start or after you take out when retired. The various other one is the. Roth IRA, which is a tax-advantaged pension
to which you can add money with. reduced taxes. The factor I ‘d suggest that you choose the Roth individual retirement account is

that the cash will not. be tired when you withdraw it in retired life.
Number 8: Keep branched out. Ever heard the saying,” never ever put. From a business perspective, it simply suggests that you should not.
have something to keep you going. Number 9: Check out easy earnings concepts If you truly intend to construct your riches, then you. require to think even more concerning just how you’ll develop it even additionally. It’s alright if you have actually obtained a work that pays. you well, yet if you’re cling yourself,
you should ask yourself, is that all you

require?. I currently know the solution to that, so do this.
Find yourself a task that will certainly make you some. cash also as you rest, something that doesn’t need your full attention.There are. plenty of choices presently, like post, advertising, selling electronic items and decline. delivery. The finest and most rewarding way to gain a passive income is by purchasing actual.
estate. It sounds like simple money, passive revenue jobs also call for some major.
focus and some need huge quantities of resources, especially at the begin.
If you locate. yourself a way to earn some passive income, I bet you’ll be much better off than the.
few who depend upon their permanent task. Number 10: Usage Robo consultant Taking care of companies can in some cases be challenging,. particularly for those that do not have all the understanding. Fortunately, for everybody ' s sake, no one should. have problem with their bond ETFs or IRAs because currently there are experts for that. The Robo consultant. simply gathers details for their customers through on-line surveys and also makes the needed.
financial investments on their part. In spite of the truth that lots of people don’t rely on these guys, they.
As soon as you have actually grasped all these, you can continue. If you located this video intriguing,.
exactly how to improve your funds. Until next time, make sure!.

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