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The Pension Gamble (full documentary) | FRONTLINE

[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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Saving for Retirement According to Your Age

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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Brett Lee – What I Eat in a Day | Lifestyle | Pinkvilla

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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Money Mentors: When it comes to retirement, get out of your own way

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SAVING BUT THEY. SIMPLY DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE An EXCELLENT JOB SAVING BUT THEY.
DON ' T HAVE THE A VERY GREAT WORK SAVING BUT THEY. SIMPLY DON ' T. 4@A LOT OF TIMES YO.
SIMPLY DON'' T. 4@A GREAT DEAL OF TIMES YO
. DON ' T HAVE THE VARIOUS DEVICES JUST DON'T.4@A GREAT DEAL OF TIMES YO.

DON ' T HAVE THE
DIFFERENT DEVICES SIMPLY DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE THE
DIFFERENT TOOLS. THAT JUST PUT ON ' T. 4@A LOT OF TIMES YO. DON ' T HAVE THE
DIFFERENT TOOLS. THAT ARE SIMPLY DON '
T. 4@A WHOLE LOT OF TIMES YO. DON ' T HAVE THE
VARIOUS DEVICES. THAT ARE REQUIRED JUST DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE THE
DIFFERENT DEVICES. THAT ARE REQUIRED TO JUST
DON'T.4@A GREAT DEAL OF TIMES YO. DON'' T HAVE THE VARIOUS'TOOLS. THAT ARE NEEDED TO MAKE4 @ SIMPLY DON ' T. 4@A GREAT DEAL OF TIMES YO. DON ' T HAVE THE
DIFFERENT DEVICES. THAT ARE NEEDED TO MAKE4 @ SURE DON ' T HAVE THE DIFFERENT DEVICES. THAT ARE REQUIRED TO MAKE4 @ SURE DON ' T HAVE THE VARIOUS TOOLS. THAT ARE REQUIRED TO MAKE4 @ SURE. THAT DON ' T HAVE THE DIFFERENT DEVICES.
THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY DON'' T HAVE THE DIFFERENT TOOLS. THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS DON'' T HAVE THE DIFFERENT TOOLS. THAT ARE NEEDED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING DON'' T HAVE THE DIFFERENT TOOLS. THAT ARE NEEDED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO DON'' T HAVE THE VARIOUS TOOLS.
THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST THAT ARE NEEDED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
THROUGH THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIRED LIFE THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
WITH RETIREMENT AS WELL AS THAT ARE REQUIRED TO MAKE4 @ SURE.
THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIREMENT WHICH THAT 4@MONEY IS GOING TO LAST.
VIA RETIRED LIFE WHICH THAT 4@MONEY IS GOING TO LAST.
WITH RETIRED LIFE WHICH.
WITH THAT 4@MONEY IS GOING TO LAST.
VIA RETIREMENT WHICH.
WITH THE THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIREMENT AND ALSO THAT.
THROUGH THE INTENDING THAT 4@MONEY IS GOING TO LAST.
THROUGH RETIRED LIFE WHICH.
VIA THE INTENDING PROCESS VIA RETIREMENT AS WELL AS THAT.
WITH THE PREPARING PROCESS THROUGH RETIRED LIFE AND ALSO THAT.
WITH THE PREPARING PROCEDURE.
REAL4@LY VIA RETIRED LIFE WHICH.
WITH THE PLANNING PROCEDURE.
REAL4@LY COME THROUGH RETIREMENT AS WELL AS THAT.
THROUGH THE INTENDING PROCESS.
REAL4@LY BOIL DOWN VIA RETIRED LIFE WHICH.
VIA THE PREPARING PROCEDURE.
REAL4@LY BOIL DOWN INTO THROUGH RETIREMENT AND THAT.
VIA THE PLANNING PROCESS.
REAL4@LY COME DOWN INTO PLAY.THROUGH RETIREMENT WHICH. WITH THE PLANNING PROCEDURE. REAL4@LY COME DOWN RIGHT INTO PLAY.
I THROUGH THE INTENDING PROCESS. REAL4@LY BOIL DOWN INTO PLAY.
I THROUGH THE INTENDING PROCEDURE. REAL4@LY COME DOWN INTO PLAY.
I. SUSPICIOUS VIA THE PREPARING PROCESS. REAL4@LY BOIL DOWN RIGHT INTO PLAY.
I. SUSPICIOUS A THROUGH THE INTENDING PROCEDURE. REAL4@LY BOIL DOWN RIGHT INTO PLAY.
I. SUSPECT An ABSENCE WITH THE PLANNING
PROCEDURE. REAL4@LY BOIL DOWN INTO PLAY.
I. SUSPECT An ABSENCE OF THROUGH THE INTENDING PROCESS. REAL4@LY BOIL DOWN INTO PLAY.
I. SUSPICIOUS A LACK OF 4@EXPERTISE REAL4@LY BOIL DOWN INTO PLAY.I. SUSPICIOUS A LACK OF 4@EXPERTISE REAL4@LY COME DOWN RIGHT INTO PLAY. I. SUSPICIOUS An ABSENCE OF 4@EXPERTISE. COULD REAL4@LY BOIL DOWN INTO PLAY. I. SUSPICIOUS An ABSENCE OF 4@EXPERTISE.
COULD ACTUALLY REAL4@LY BOIL DOWN INTO PLAY. I. SUSPICIOUS A LACK OF 4@EXPERTISE.
COULD ACTUALLY SABOTAGE REAL4@LY BOIL DOWN INTO PLAY. I. SUSPICIOUS A LACK OF 4@EXPERTISE.
COULD ACTUALLY SABOTAGE YOUR SUSPECT A LACK OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR SUSPICIOUS An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR. PLAN.SUSPECT An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR.
PLAN. SEND OUT SUSPECT A LACK OF 4@EXPERTISE.

COULD ACTUALLY SABOTAGE YOUR.
PLAN. SEND IT SUSPECT An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR.
STRATEGY. SEND IT DOWN SUSPECT A LACK OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR. PLAN. SEND IT DOWN THE SUSPECT
An ABSENCE OF 4@EXPERTISE. COULD ACTUALLY SABOTAGE YOUR.
PLAN. SEND IT DOWN THE TUBES.
COULD ACTUALLY SABOTAGE YOUR. PLAN. SEND IT DOWN TELEVISIONS
. COULD ACTUALLY SABOTAGE YOUR.
STRATEGY. SEND IT DOWN TELEVISIONS. YOU COULD ACTUALLY MESS UP YOUR.
PLAN.SEND IT DOWN TELEVISIONS. YOU CAN COULD IN FACT UNDERMINE YOUR. STRATEGY. SEND IT DOWN TELEVISIONS. YOU CAN BE COULD ACTUALLY SABOTAGE YOUR.

STRATEGY. SEND IT DOWN TELEVISIONS. YOU CAN BE VERY COULD IN FACT UNDERMINE YOUR. STRATEGY. SEND IT DOWN TELEVISIONS. YOU CAN BE EXTREMELY EXTREMELY COULD ACTUALLY UNDERMINE
YOUR. STRATEGY. SEND IT DOWN THE TUBES. YOU CAN BE VERY EXTREMELY ASTUTE STRATEGY.
SEND IT DOWN THE TUBES. YOU CAN BE EXTREMELY EXTREMELY SHARP STRATEGY. MATHEMATICALLY PLAN.
MATHEMATICALLY AND ALSO STRATEGY. SEND IT DOWN THE TUBES. YOU TIN BE EXTREMELY EXTREMELY SHARP.
MATHEMATICALLY AND PLACE PLAN. SEND IT DOWN THE TUBES. YOU CAN BE VERY EXTREMELY SHARP.
MATHEMATICALLY AND ALSO PUT ALL PLAN. SEND IT DOWN THE TUBES.

THEY ' LL COME TYPICALLY 4@ONE OF THE
SPOUSESPARTNERS THEY ' LL COME IN TYPICALLY 4@ONE OF THE SPOUSES. THEY ' LL COME IN 4@AND TYPICALLY 4@ONE OF THE PARTNERS.
ONE MIGHT NOT BE FULLY ON BOARD THEY'' LL COME IN 4@AND THE OTHER. ONE MAY NOT BE TOTALLY ON BOARD THEY'' LL COME IN 4@AND THE OTHER.YOU CAN BE EXTREMELY EXTREMELY SHARP
MATHEMATICALLY AND ALSO PLACE ALL THE YOU TIN BE REALLY REALLY SHARP
MATHEMATICALLY AND ALSO PLACE ALL THE YOU CAN BE EXTREMELY VERY SHARP
MATHEMATICALLY AND ALSO PUT ALL THE
NUMBERS YOU CAN BE EXTREMELY REALLY ASTUTE
MATHEMATICALLY AS WELL AS PLACE ALL THE
NUMBERS WITH EACH OTHER YOU CAN BE EXTREMELY REALLY SHARP
MATHEMATICALLY AND ALSO PLACE ALL THE
NUMBERS WITH EACH OTHER AND YOU TIN BE VERY REALLY SHARP
MATHEMATICALLY AS WELL AS PUT ALL THE
NUMBERS TOGETHER AS WELL AS THEN MATHEMATICALLY AND PUT ALL THE
NUMBERS WITH EACH OTHER AS WELL AS THEN MATHEMATICALLY AND PUT ALL THE
NUMBERS WITH EACH OTHER AS WELL AS THEN
SOMETHING MATHEMATICALLY AND ALSO PLACE ALL THE
NUMBERS WITH EACH OTHER AND AFTER THAT
SOMETHING IN MATHEMATICALLY AND ALSO PUT ALL THE
NUMBERS WITH EACH OTHER AND AFTERWARDS
SOMETHING IN LIFE MATHEMATICALLY AS WELL AS PUT ALL THE
NUMBERS TOGETHER AND AFTER THAT
SOMETHING IN LIFE BLOWS MATHEMATICALLY AND PLACE ALL THE
NUMBERS TOGETHER AND AFTERWARDS
SOMETHING IN LIFE BLOWS THAT MATHEMATICALLY AS WELL AS PUT ALL THE
NUMBERS WITH EACH OTHER AND AFTER THAT
SOMETHING IN LIFE BLOWS THAT UP MATHEMATICALLY AND ALSO PLACE ALL THE
NUMBERS TOGETHER AND AFTERWARDS
SOMETHING IN LIFE BLOWS THAT UP @ NUMBERS WITH EACH OTHER AND AFTERWARDS
SOMETHING IN LIFE BLOWS THAT UP @ NUMBERS TOGETHER AND AFTER THAT
SOMETHING IN LIFE BLOWS THAT UP @.
AS WELL AS NUMBERS TOGETHER AND ALSO AFTER THAT.
SOMETHING IN LIFE BLOWS THAT UP @.
WHICH'' S NUMBERS WITH EACH OTHER AS WELL AS
AFTER THAT. SOMETHING IN LIFE BLOWS THAT'UP @. WHICH ' S THE NUMBERS WITH EACH OTHER AND AFTERWARDS. SOMETHING IN LIFE BLOWS THAT'UP @. AS WELL AS THAT ' S THE THING NUMBERS TOGETHER AND AFTERWARDS.
SOMETHING IN LIFE BLOWS THAT UP @. WHICH ' S THE IMPORTANT THINGS THAT NUMBERS WITH EACH OTHER AND AFTER THAT'. SOMETHING IN LIFE BLOWS THAT UP @.
AND ALSO THAT'' S THE POINT THAT WE SOMETHING IN LIFE BLOWS THAT UP @. APPEARANCE SOMETHING IN LIFE BLOWS THAT UP @. AND THAT ' S THE POINT THAT WE.
CONSIDER'. WE SOMETHING IN LIFE BLOWS THAT UP @. AND THAT ' S THE IMPORTANT THINGS THAT WE.
CONSIDER. WE HAD SOMETHING IN LIFE BLOWS THAT UP @.
WHICH'' S THE THING THAT WE. LOOK AT. WE HAD A SOMETHING IN LIFE BLOWS THAT'UP @. AND ALSO THAT ' S THE IMPORTANT THINGS THAT WE. APPEARANCE AT'. WE HAD A PAIR SOMETHING IN LIFE BLOWS THAT'UP @. WHICH ' S THE POINT THAT WE.
LOOK AT'. WE HAD A COUPLE COME WHICH'' S THE IMPORTANT THINGS THAT WE. CONSIDER.
WE HAD A PAIR COME WHICH'' S THINGS THAT WE. CHECK OUT.
WE HAD A COUPLE COME. IN AND THAT'' S THINGS THAT WE. CONSIDER.
WE HAD A COUPLE COME. IN FROM WHICH'' S THE POINT THAT WE.

CHECK OUT.
WE HAD A PAIR COME. IN FROM GRAND AND THAT ' S THE THING THAT WE.
TAKE A LOOK AT. WE HAD A COUPLE COME.
IN FROM GRAND RAPIDS AND ALSO THAT ' S THE IMPORTANT THINGS THAT WE.
APPEARANCE AT. WE HAD A PAIR COME. IN FROM GRAND RAPIDS AND AND ALSO THAT ' S THE THING THAT WE.
CHECK OUT. WE HAD A PAIR COME.
IN FROM GRAND RAPIDS AS WELL AS HE WHICH ' S THINGS THAT WE. LOOK AT.WE HAD A PAIR COME.
IN FROM GRAND RAPIDS AND ALSO HE DID WHICH ' S THINGS THAT WE. TAKE A LOOK AT.
WE HAD A COUPLE COME. IN FROM GRAND RAPIDS AS WELL AS HE DID @ CONSIDER.
IN FROM GRAND RAPIDS AS WELL AS HE DID @ LOOK AT. IN FROM GRAND RAPIDS AND HE DID @.
A CHECK OUT.

WE HAD A COUPLE COME. IN FROM GRAND RAPIDS AND HE DID @.
A SUPERB CHECK OUT. WE HAD A PAIR COME.
IN FROM GRAND RAPIDS AS WELL AS HE DID @.
A FANTASTIC JOB. APPEARANCE AT.
WE HAD A PAIR COME. IN FROM GRAND RAPIDS AS WELL AS HE DID @.
A GREAT JOB. ENGINEER APPEARANCE AT.
WE HAD A PAIR COME. IN FROM GRAND RAPIDS AND ALSO HE DID @.
DESIGNER LOVE IN FROM GRAND RAPIDS AND ALSO HE DID @. A GREAT JOB.ENGINEER LOVE IN FROM GRAND RAPIDS AND ALSO HE DID @.
ENGINEER LOVE. THOSE IN FROM GRAND RAPIDS AND HE DID @. A WONDERFUL TASK.
IN FROM GRAND RAPIDS AND HE
DID @. A FANTASTIC TASK. AND ALSO IN FROM GRAND RAPIDS AS WELL AS HE DID @.
AS WELL AS HE IN FROM GRAND RAPIDS AND HE DID @. An AMAZING JOB.
THOSE 4@PEOPLE. AND HE HAD A GREAT WORK. AND HE HAD A GREAT TASK.
EVERY LITTLE THING A GREAT WORK. ENGINEER LOVE.
THOSE 4@PEOPLE. AND ALSO HE HAD.
EVERY LITTLE THING CHARTED A SUPERB JOB. DESIGNER LOVE.
EVERYTHING CHARTED OUT. A WONDERFUL TASK. DESIGNER LOVE. THOSE 4@PEOPLE. AND HE HAD. WHATEVER CHARTED OUT. NO THOSE 4@PEOPLE. AS WELL AS HE HAD. EVERYTHING CHARTED OUT.
WHATEVER CHARTED OUT. EXACTLY THOSE 4@PEOPLE. EXACTLY TALKED THOSE [email protected] HE HAD.
EXACTLY CHATTED CONCERNING THOSE 4@PEOPLE. EVERY LITTLE THING CHARTED OUT.
NO. EXACTLY CHATTED CONCERNING TAX OBLIGATIONS THOSE 4@PEOPLE. AND ALSO
HE HAD. EVERYTHING CHARTED OUT.
NO. EXACTLY SPOKE ABOUT TAXES 4@AL EVERYTHING CHARTED OUT.
NO. EXACTLY SPOKE CONCERNING TAX OBLIGATIONS 4@AL EVERYTHING CHARTED OUT. NO.
EXACTLY CHATTED ABOUT TAXES 4@AL.
OF EVERYTHING CHARTED OUT. NO. EXACTLY SPOKE ABOUT TAX OBLIGATIONS 4@AL.
OF THAT EVERYTHING CHARTED OUT. NO. EXACTLY TALKED CONCERNING TAXES 4@AL.
OF THAT IN WHATEVER CHARTED OUT.
NO. EXACTLY SPOKE ABOUT TAXES 4@AL.
OF THAT IN ASSUMPTIONS EVERYTHING CHARTED OUT
. NO. EXACTLY SPOKE ABOUT TAXES 4@AL.
OF THAT IN ASSUMPTIONS OF EXACTLY TALKED ABOUT TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF EXACTLY SPOKE ABOUT TAXES 4@AL. OF THAT IN ASSUMPTIONS OF. RETURNS. EXACTLY DISCUSSED TAX OBLIGATIONS 4@AL.
OF THAT IN ASSUMPTIONS OF.
RETURNS.

IT SPECIFICALLY TALKED ABOUT TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS EXACTLY DISCUSSED TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. EXACTLY SPOKE ABOUT TAX OBLIGATIONS 4@AL. OF THAT IN ASSUMPTIONS OF.
RETURNS.IT WAS WONDERFUL. AS WELL AS OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND.
YTHE OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND.
YTHE STATED OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AS WELL AS.
YTHE STATED I OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL. AND ALSO.
YTHE CLAIMED I SIMPLY OF THAT IN ASSUMPTIONS OF. RETURNS. IT WAS WONDERFUL. AND. YTHE SAID I JUST DESIRED OF THAT IN ASSUMPTIONS OF.
RETURNS. IT WAS WONDERFUL.
AS WELL AS. YTHE STATED I SIMPLY WISHED TO OF
THAT IN ASSUMPTIONS OF. RETURNS.
IT WAS WONDERFUL. AND ALSO.

YTHE CLAIMED I SIMPLY INTENDED TO MAKE RETURNS. IT WAS WONDERFUL. AS WELL AS. YTHE STATED I JUST INTENDED TO MAKE RETURNS. IT WAS WONDERFUL. AS WELL AS. YTHE CLAIMED I SIMPLY DESIRED TO MAKE.
SURE RETURNS. YTHE CLAIMED I JUST WANT TO MAKE.
CERTAIN WE RETURNS. YTHE CLAIMED I JUST DESIRED TO MAKE. SURE
WE CROSS RETURNS.
YTHE STATED I SIMPLY WISHED TO MAKE. CERTAIN WE CROSS THE RETURNS. IT WAS WONDERFUL. AND ALSO.
YTHE STATED I JUST INTENDED TO MAKE. CERTAIN WE CROSS THE T ' S RETURNS. IT WAS WONDERFUL. AND. YTHE STATED I JUST INTENDED TO MAKE. SURE WE CROSS THE T ' S AND RETURNS. IT WAS WONDERFUL. AS WELL AS.
YTHE SAID I JUST WISHED TO MAKE.
CERTAIN WE CROSS THE T'' S AS WELL AS DOT YTHE SAID I JUST DESIRED TO MAKE.
SURE WE CROSS THE T'' S AND DOT YTHE SAID I JUST WISHED TO MAKE.
SURE WE CROSS THE T'' S AS WELL AS DOT. THE YTHE CLAIMED I SIMPLY INTENDED TO MAKE.
CERTAIN WE CROSS THE T'' S AS WELL AS DOT. THE I ' S YTHE SAID I SIMPLY WISHED TO MAKE.
SURE WE CROSS THE T ' S AND DOT.
THE I'' S DUE TO THE FACT THAT YTHE SAID I JUST INTENDED TO MAKE.

SURE WE CROSS THE T'' S AND ALSO DOT.
THE I ' S DUE TO THE FACT THAT I YTHE STATED I SIMPLY INTENDED TO MAKE. SURE WE CROSS THE T'' S AND DOT.
THE I ' S SINCE I 4@ALL YTHE CLAIMED I JUST DESIRED'TO MAKE.
CERTAIN WE CROSS THE T ' S AS WELL AS DOT. THE I ' S SINCE I 4@ALL THIS SURE WE CROSS THE T'' S AND ALSO DOT.
THE I ' S DUE TO THE FACT THAT I 4@ALL THIS CERTAIN WE CROSS THE T'' S AND DOT.
THE I ' S SINCE I 4@ALL THIS.
TIME.SURE WE CROSS THE'T ' S AS WELL AS DOT. THE I ' S SINCE

I 4@ALL THIS.
TIME. SURE WE CROSS THE T ' S AND DOT.
THE I ' S DUE TO THE FACT THAT I'4@ALL THIS.
WE SURE WE CROSS THE T ' S AS WELL AS DOT. THE I'' S DUE TO THE FACT THAT I 4@ALL THIS.

WE CONTAINER ' T OBTAIN SURE WE CROSS THE T ' S AND ALSO DOT. WE CANISTER ' T GET THIS THE I ' S SINCE I 4@ALL THIS. WE'CAN ' T OBTAIN THIS THE I ' S DUE TO THE FACT THAT I 4@ALL THIS.
WE CONTAINER ' T OBTAIN THIS. WHEN THE I ' S BECAUSE I 4@ALL THIS.
BUT WE CONTAINER ' T OBTAIN THIS. WRONG. WHEN WE THE I ' S DUE TO THE FACT THAT I 4@ALL THIS.
TIME. WE CANISTER ' T OBTAIN THIS. WRONG. WHEN WE GOT THE I ' S BECAUSE I 4@ALL THIS. TIME. BUT WE CONTAINER ' T GET THIS.
WRONG. WHEN WE GOT DONE THE I ' S DUE TO THE FACT THAT I 4@ALL THIS. TIME. WE CONTAINER ' T OBTAIN THIS. WRONG. WHEN WE GOT DONE 4@HIS TIME. WE CAN ' T OBTAIN THIS. WRONG. WHEN WE GOT DONE 4@HIS TIME. BUT WE CANISTER ' T GET THIS. INCORRECT. WHEN WE GOT DONE 4@HIS. STRATEGY TIME.BUT WE CONTAINER ' T GET THIS
. WRONG. WHEN WE GOT DONE 4@HIS. STRATEGY WAS TIME. WE CAN ' T GET THIS.
WHEN WE GOT DONE 4@HIS. WE CAN ' T GET THIS.
INCORRECT. WHEN WE GOT DONE 4@HIS. PLAN WAS REALLY QUITE TIME. BUT WE CAN ' T GET THIS. WRONG. WHEN WE GOT DONE 4@HIS. STRATEGY WAS REALLY PRETTY GOOD. INCORRECT. WHEN WE GOT DONE 4@HIS. PLAN WAS REALLY QUITE GOOD. WRONG. WHEN WE GOT DONE 4@HIS. PLAN WAS ACTUALLY QUITE GREAT. WE WRONG. WHEN WE GOT DONE 4@HIS. STRATEGY WAS IN FACT RESPECTABLE. WE DID WRONG.
WHEN WE GOT DONE 4@HIS. STRATEGY WAS IN FACT QUITE GREAT.
STRATEGY WAS IN FACT PRETTY EXCELLENT. WE DID A LITTLE MISDOING.
WHEN WE GOT DONE 4@HIS. STRATEGY WAS REALLY PRETTY EXCELLENT. WE DID A LITTLE TWEAKING WRONG.
STRATEGY WAS IN FACT RATHER GREAT. STRATEGY WAS IN FACT RATHER GOOD. TAX STRATEGY WAS IN FACT RATHER EXCELLENT.
WE DID A LITTLE FINE-TUNING ON THE. TAX AREA PLAN WAS IN FACT RESPECTABLE.
WE DID A LITTLE TWEAKING ON THE
. TAX OBLIGATION AREA BUT PLAN WAS IN FACT RESPECTABLE.
WE DID A LITTLE TWEAKING ON THE. TAX AREA BUT AFTER THAT STRATEGY WAS IN FACT RESPECTABLE.
WE DID A LITTLE TWEAKING ON THE. TAX AREA BUT AFTER THAT ABOUT PLAN WAS ACTUALLY QUITE EXCELLENT.
WE DID A LITTLE FINE-TUNING ON THE. TAX OBLIGATION AREA BUT THEN ABOUT 18 PLAN WAS REALLY RESPECTABLE.
WE DID A LITTLE FINE-TUNING ON THE.
TAX LOCATION BUT THEN CONCERNING 18 TO WE DID A LITTLE FINE-TUNING ON THE.
TAX LOCATION BUT THEN REGARDING 18 TO WE DID A LITTLE FINE-TUNING ON THE.
TAX OBLIGATION LOCATION BUT THEN ABOUT 18 TO.
24 WE DID A LITTLE TWEAKING ON THE.
TAX OBLIGATION LOCATION BUT AFTER THAT ABOUT 18 TO.
24 MONTHS WE DID A LITTLE TWEAKING ON THE.
TAX OBLIGATION LOCATION BUT AFTER THAT REGARDING 18 TO.
24 MONTHS IN WE DID A LITTLE FINE-TUNING ON THE.
TAX OBLIGATION AREA BUT AFTER THAT REGARDING 18 TO.
24 MONTHS IN RETIRED LIFE WE DID A LITTLE TWEAKING ON THE.
TAX OBLIGATION LOCATION BUT THEN ABOUT 18 TO.
24 MONTHS IN RETIRED LIFE THE TAX LOCATION BUT AFTER THAT ABOUT 18 TO. 24 MONTHS IN RETIRED LIFE THE TAX OBLIGATION LOCATION BUT AFTER THAT REGARDING 18'TO. 24 MONTHS IN RETIREMENT THE.
STRATEGY TAX LOCATION BUT AFTER THAT ABOUT 18 TO. STRATEGY 4@BLEW TAX OBLIGATION AREA BUT THEN ABOUT 18 TO.
STRATEGY 4@BLEW UP TAX OBLIGATION LOCATION BUT THEN ABOUT 18 TO. 24 MONTHS IN RETIREMENT THE.
STRATEGY 4@BLEW UP AND ALSO TAX AREA BUT AFTER THAT CONCERNING 18 TO.
24 MONTHS IN RETIREMENT THE.
STRATEGY 4@BLEW UP AND IT TAX LOCATION BUT AFTER THAT'REGARDING 18 TO.
24 MONTHS IN RETIREMENT THE. PLAN 4@BLEW UP AND IT WASN
' T TAX AREA BUT AFTER THAT'REGARDING 18 TO.
24 MONTHS IN RETIRED LIFE THE.
PLAN 4@BLEW UP AS WELL AS IT WASN''
T OU 24 MONTHS IN RETIREMENT THE.
STRATEGY 4@BLEW UP AS WELL AS IT WASN''
T OU 24 MONTHS IN RETIRED LIFE THE.
PLAN 4@BLEW UP AND IT WASN''
T OU. STRATEGY 4@BLEW UP AND ALSO IT WASN ' T OU.
STRATEGY 4@BLEW UP AND ALSO IT WASN ' T OU
. PLAN 4@BLEW UP AND ALSO IT
WASN ' T OU. STRATEGY 4@BLEW UP AND IT
WASN ' T OU.
PLAN 4@BLEW UP AS WELL AS IT WASN ' T OU. EXPLODING. IT WAS AFTER THAT THEY PLAN 4@BLEW UP AS WELL AS IT WASN ' T OU.
BLOWING UP. IT WAS AFTER THAT THEY STRATEGY 4@BLEW UP AND ALSO IT WASN ' T OU.
BLOWING UP. IT WAS AFTER THAT THEY. MOVED STRATEGY 4@BLEW UP AS WELL AS IT WASN ' T OU.
EXPLODING. IT WAS AFTER THAT THEY.
MOVED 4@FROM STRATEGY 4@BLEW UP AS WELL AS IT WASN ' T OU.
BLOWING UP. IT WAS THEN THEY.
RELOCATED 4@FROM MICHIGAN STRATEGY 4@BLEW UP AS WELL AS IT WASN ' T OU.
EXPLODING. IT WAS AFTER THAT THEY.
RELOCATED 4@FROM MICHIGAN TO STRATEGY 4@BLEW UP AND IT WASN ' T OU.
BLOWING UP.IT WAS THEN THEY.
MOVED 4@FROM MICHIGAN TO TEXAS BLOWING UP.

IT WAS AFTER THAT THEY.
RELOCATED 4@FROM MICHIGAN TO TEXAS BLOWING UP. IT WAS THEN THEY. RELOCATED 4@FROM MICHIGAN TO TEXAS.
DUE TO THE FACT THAT BLOWING UP. IT WAS THEN THEY. MOVED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR BLOWING UP.
IT WAS AFTER THAT THEY. MOVED 4@FROM MICHIGAN TO TEXAS.
BECAUSE THEIR KIDS BLOWING UP.
IT WAS AFTER THAT THEY. RELOCATED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR CHILDREN MOVED BLOWING UP.IT WAS THEN THEY. RELOCATED 4@FROM MICHIGAN TO TEXAS.
DUE TO THE FACT THAT THEIR CHILDREN MOVED DOWN RELOCATED 4@FROM MICHIGAN TO TEXAS. BECAUSE THEIR KIDS MOVED DOWN RELOCATED 4@FROM MICHIGAN TO TEXAS.
BECAUSE THEIR KIDS MOVED DOWN. THERE.
MOVED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR CHILDREN RELOCATED DOWN. THERE.
NOW RELOCATED 4@FROM MICHIGAN TO TEXAS.
SINCE THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY MOVED 4@FROM MICHIGAN TO TEXAS. BECAUSE THEIR CHILDREN MOVED DOWN. THERE. CURRENTLY THEY WANT RELOCATED 4@FROM MICHIGAN TO TEXAS. DUE TO THE FACT THAT THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY INTEND TO RELOCATED 4@FROM MICHIGAN TO TEXAS. DUE TO THE FACT THAT THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY INTEND TO BE MOVED 4@FROM MICHIGAN TO TEXAS. BECAUSE THEIR KIDS MOVED DOWN. THERE. NOW THEY INTEND TO BE WITH BECAUSE THEIR KIDS MOVED DOWN. THERE. CURRENTLY THEY WANT TO BE WITH BECAUSE THEIR CHILDREN RELOCATED DOWN. THERE. CURRENTLY THEY INTEND TO BE WITH.
THEM.

BECAUSE THEIR KIDS RELOCATED DOWN.
THERE. CURRENTLY THEY INTEND TO BE WITH. THEM.
WHAT BECAUSE THEIR KIDS MOVED DOWN. WHAT ALTERED DUE TO THE FACT THAT THEIR
KIDS CHILDREN RELOCATED. WHAT ALTERED WAS BECAUSE THEIR CHILDREN MOVED DOWN.
WHAT CHANGED WAS THEY THERE. WHAT CHANGED WAS THEY
THERE. WHAT CHANGED WAS THEY.
BOUGHT THERE. CURRENTLY THEY WISH TO BE WITH. THEM. WHAT TRANSFORMED WAS THEY.
BOUGHT A THERE.
NOW THEY INTEND TO BE WITH. THEM. WHAT TRANSFORMED WAS THEY.
BOUGHT A RESIDENCE THERE.

NOW THEY INTEND TO BE WITH. THEM. WHAT ALTERED WAS
THEY. BOUGHT A HOME DOWN THERE
. CURRENTLY THEY NEED TO BE WITH.
THEM. WHAT CHANGED WAS THEY.
BOUGHT A RESIDENCE DOWN THERE THERE. NOW THEY NEED TO BE WITH. THEM. WHAT TRANSFORMED WAS THEY. BOUGHT A HOME DOWN THERE AND ALSO THEM. WHAT ALTERED WAS THEY. BOUGHT A RESIDENCE DOWN THERE
AND ALSO THEM.WHAT CHANGED WAS THEY.
BOUGHT A RESIDENCE DOWN THERE AS WELL AS. THEY THEM.
WHAT ALTERED WAS THEY. WHAT TRANSFORMED WAS THEY. WHAT TRANSFORMED WAS THEY.
THEY HAD OVER TWO HUNDRED FIFTY BOUGHT A HOME DOWN THERE AND. THEY HAD MORE THAN 2 HUNDRED FIFTY. THOUSAND BOUGHT A HOME DOWN THERE AND.
THEY HAD OVER TWO HUNDRED FIFTY. THOUSAND HOURS BOUGHT A HOUSE DOWN THERE AND ALSO.
THEY HAD OVER 2 HUNDRED FIFTY.
THOUSAND HOURS OF BOUGHT A HOME DOWN THERE AND ALSO.
THEY HAD OVER TWO HUNDRED FIFTY.
THOUSAND HOURS OF IMPROVEMENT THEY HAD OVER TWO HUNDRED FIFTY. THOUSAND HOURS OF MAKEOVER THEY HAD OVER TWO HUNDRED FIFTY.
THOUSAND HOURS OF REMODELING.
PAY THEY HAD OVER TWO HUNDRED FIFTY.
THOUSAND HOURS OF RENOVATION.
PAY FOR THEY HAD OVER 2 HUNDRED FIFTY. THOUSAND HOURS OF RENOVATION. PAY FOR NOW.THEY HAD MORE THAN 2 HUNDRED FIFTY. THOUSAND HOURS OF IMPROVEMENT. SPEND FOR NOW.
4@OH THEY HAD MORE THAN TWO HUNDRED FIFTY. THOUSAND HOURS OF MAKEOVER. SPEND FOR NOW. 4@OH BELOVED. THEY HAD MORE THAN 2 HUNDRED FIFTY. THOUSAND HOURS OF REMODELING. SPEND FOR NOW. 4@OH BELOVED. THEY HAD OVER 2 HUNDRED FIFTY. THOUSAND HOURS OF MAKEOVER. PAY FOR CURRENTLY.

4@OH DEAR. SO THE THOUSAND HRS OF REMODELING.
SPEND FOR NOW. 4@OH DEAR. SO THE THOUSAND HOURS OF REMODELING.
PAY FOR CURRENTLY. 4@OH DEAR.SO THE.
PLAN THOUSAND HOURS OF REMODELING.
SPEND FOR CURRENTLY. 4@OH PRECIOUS. THE.
PLAN HAD THOUSAND HRS OF REMODELING.
SPEND FOR NOW. 4@OH PRECIOUS. SO THE.
STRATEGY NEEDED TO THOUSAND HOURS OF RENOVATION.
SPEND FOR NOW.

4@OH PRECIOUS. THE.
PLAN HAD TO CHANGE. PAY FOR NOW. STRATEGY HAD TO ADJUSTMENT.
SPEND FOR NOW.4@OH DEAR. SO THE
. STRATEGY NEEDED TO ADJUSTMENT. WE PAY FOR CURRENTLY. 4@OH BELOVED. SO THE. STRATEGY HAD TO CHANGE.
WE PAY FOR NOW. STRATEGY HAD TO MODIFICATION.
CHANGED PAY FOR NOW. STRATEGY HAD TO MODIFICATION.
TRANSFORMED THE SPEND FOR NOW.
4@OH DEAR. SO THE. PLAN NEEDED TO MODIFICATION. SO WE.
TRANSFORMED THE STRATEGY PAY FOR CURRENTLY. 4@OH DEAR.
THE. STRATEGY HAD TO MODIFICATION. WE. CHANGED THE STRATEGY UP PAY FOR CURRENTLY. 4@OH DEAR. SO THE. PLAN NEEDED TO CHANGE. WE.
CHANGED THE PLAN UP MADE MONEY FOR NOW.
4@OH DEAR. STRATEGY HAD TO MODIFICATION.
ALTERED THE PLAN UP GOT THEM PLAN HAD TO MODIFICATION. CHANGED THE STRATEGY UP GOT THEM PLAN HAD TO MODIFICATION.
GOING PLAN HAD TO CHANGE.

WE. CHANGED THE PLAN UP GOT THEM.
GOING THROUGH PLAN HAD TO MODIFICATION. TRANSFORMED THE STRATEGY UP GOT THEM.
GOING VIA THAT.THEY ' RE ALTERED THE PLAN UP GOT THEM. THEY ' RE CHANGED THE STRATEGY UP GOT THEM. THEY ' RE.
GOING THROUGH THAT. THEY'' RE. HAVING ACTUALLY A WONDERFUL ALTERED THE STRATEGY UP GOT THEM. GOING THROUGH
THAT. THEY ' RE. HAVING A BLAST TRANSFORMED THE STRATEGY UP GOT THEM.
GOING THROUGH THAT.
THEY ' RE. THEY'' RE.
THEY ' RE. THEY'' RE. THEY'' RE.
HAVING A GOOD TIME IN TEXAS.
WITH THEIR GOING THROUGH THAT. THEY ' RE. HAVING A BLAST IN TEXAS. WITH THEIR HOUSEHOLD GOING THROUGH THAT. THEY ' RE.
HAVING A FUN TIME IN TEXAS
. WITH THEIR HOUSEHOLD AND GOING WITH THAT.THEY ' RE
. HAVING A FUN TIME IN TEXAS
. WITH THEIR FAMILY AS WELL AS YOU GOING THROUGH THAT.
THEY ' RE. HAVING A BLAST IN TEXAS
. WITH THEIR FAMILY MEMBERS AND YOU DO HAVING A GOOD TIME IN TEXAS.
WITH THEIR FAMILY MEMBERS AND YOU DO HAVING A
BLAST IN TEXAS. WITH THEIR FAMILY AND ALSO YOU DO. REQUIRED HAVING A BLAST IN TEXAS.
WITH THEIR FAMILY AND YOU DO. NEED THE HAVING A FUN TIME IN TEXAS.
WITH THEIR FAMILY MEMBERS AND ALSO YOU DO. REQUIRED THE VERSATILITY.
HAVING A FUN TIME IN TEXAS. WITH THEIR FAMILY MEMBERS AND ALSO YOU
DO. NEED THE FLEXIBILITY.
YOU WITH THEIR FAMILY MEMBERS AND YOU DO. NEED THE ADAPTABILITY. YOU WITH THEIR FAMILY AND YOU DO.
NEED THE VERSATILITY. YOU.
CONTAINER NOT WITH THEIR FAMILY MEMBERS AS WELL AS YOU DO. REQUIRED THE ADAPTABILITY.
YOU. CONTAINER NOT SECURE WITH THEIR

HOUSEHOLD AND ALSO YOU DO. REQUIRED THE FLEXIBILITY.
YOU. CAN NOT LOCK YOURSELF WITH THEIR FAMILY MEMBERS AND ALSO YOU DO. NEED THE VERSATILITY. YOU.
CAN NOT LOCK YOURSELF IN WITH THEIR FAMILY AND ALSO YOU DO. REQUIRED THE FLEXIBILITY.YOU. CONTAINER NOT LOCK YOURSELF IN AT WITH THEIR FAMILY AND ALSO YOU DO. REQUIRED THE FLEXIBILITY. YOU.
CAN NOT LOCK YOURSELF IN AT THE NEED THE FLEXIBILITY. YOU.
CAN NOT LOCK YOURSELF IN AT THE DEMAND THE VERSATILITY. YOU. CAN NOT LOCK YOURSELF IN AT THE.
BEGINNING DEMAND THE FLEXIBILITY. YOU.
CONTAINER NOT LOCK YOURSELF IN AT THE. STARTING OF NEED THE FLEXIBILITY. YOU.
CONTAINER NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE DEMAND THE FLEXIBILITY.
YOU. CONTAINER NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE AS WELL AS CAN
NOT LOCK YOURSELF IN AT THE.
BEGINNING OF RETIREMENT AS WELL AS CAN NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE AND ALSO. THINK CONTAINER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND.
THINK THIS CANISTER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND ALSO.
THINK THIS IS CANISTER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND.
THINK THIS IS GOING CANISTER NOT LOCK YOURSELF IN AT THE.
STARTING OF RETIRED LIFE AND.
THINK THIS IS GOING TO CAN NOT LOCK YOURSELF IN AT THE. STARTING OF RETIRED LIFE AND ALSO. THINK THIS IS GOING TO DO CONTAINER NOT LOCK YOURSELF IN AT THE. BEGINNING OF RETIRED LIFE AND ALSO. THINK THIS IS GOING TO DO ME BEGINNING OF RETIRED LIFE AS WELL AS.
THINK THIS IS GOING TO DO ME BEGINNING OF RETIRED LIFE AND ALSO.
THINK THIS IS GOING TO DO ME.
ALL BEGINNING OF RETIREMENT AND ALSO.
THINK THIS IS GOING TO DO ME.
ALL THE STARTS OF RETIREMENT AS WELL AS. ALL THE WAY STARTS OF RETIREMENT AND ALSO.
ALL THE METHOD THROUGH.BEGINNING OF RETIRED LIFE AND. THINK THIS IS GOING TO DO ME.
BEGINNING OF RETIRED LIFE AND ALSO. THINK THIS IS GOING TO DO ME. ALL THE METHOD THROUGH.
. SO THINK THIS IS GOING TO DO ME.
ALL THE MEANS THROUGH. THINK THIS IS GOING TO DO ME.

WE CAN ' T GET SURE WE CROSS THE T ' S AND ALSO DOT. WE CONTAINER ' T GET THIS THE I ' S DUE TO THE FACT THAT I 4@ALL THIS. WE'CAN ' T GET THIS THE I ' S SINCE I 4@ALL THIS. IT WAS THEN THEY PLAN 4@BLEW UP AND IT WASN ' T OU.
THEY ' RE TRANSFORMED THE STRATEGY UP GOT THEM.
IN THINK THIS IS GOING TO DO ME
COMPLETELY THROUGH. . SO
IN THE THINK THIS IS GOING TO DO ME
ALL THE WAY THROUGH. RIGHT.
IN THE CREATION THINK THIS IS GOING TO DO ME
RIGHT THROUGH. RIGHT. SO
IN THE DEVELOPMENT OF THINK THIS IS GOING TO DO ME
ALL THE METHOD THROUGH. . SO
IN THE DEVELOPMENT OF A THINK THIS IS GOING TO DO ME
COMPLETELY THROUGH. .
IN THE DEVELOPMENT OF A STRATEGY THINK THIS IS GOING TO DO ME
RIGHT THROUGH. RIGHT. SO
IN THE PRODUCTION OF A PLAN YOU ALL THE METHOD THROUGH.RIGHT.

SO
IN THE CREATION OF A PLAN YOU ALL THE MEANS THROUGH. RIGHT.
IN THE DEVELOPMENT OF A STRATEGY YOU
GO ALL THE METHOD THROUGH. RIGHT.
IN THE PRODUCTION OF A STRATEGY YOU
GO FOR RIGHT THROUGH. RIGHT.
IN THE CREATION OF A STRATEGY YOU
CHOOSE VERSATILITY COMPLETELY THROUGH. .
IN THE DEVELOPMENT OF A STRATEGY YOU
GO WITH ADAPTABILITY I COMPLETELY THROUGH. RIGHT. SO
IN THE DEVELOPMENT OF A PLAN YOU
GO FOR FLEXIBILITY I PICTURE RIGHT THROUGH. . SO
IN THE CREATION OF A PLAN YOU
OPT FOR VERSATILITY I PICTURE 4 @ IN THE CREATION OF A PLAN YOU
OPT FOR VERSATILITY I PICTURE 4 @ IN THE DEVELOPMENT OF A PLAN YOU
OPT FOR FLEXIBILITY I IMAGINE 4 @.
THAT'' S IN THE PRODUCTION OF A PLAN YOU. CHOOSE VERSATILITY I IMAGINE 4 @.
THAT'' S VERY IN THE PRODUCTION OF A PLAN YOU. GO FOR ADAPTABILITY I IMAGINE 4 @.
THAT'' S REALLY TYPE IN THE CREATION OF A PLAN YOU.
CHOOSE VERSATILITY I ENVISION 4 @.
THAT'' S REALLY ESSENTIAL REMAINS IN THE CREATION OF A PLAN
YOU. GO FOR FLEXIBILITY I THINK OF 4 @.
THAT'' S REALLY KEY IS TO IN THE PRODUCTION OF A PLAN
YOU. GO WITH VERSATILITY I PICTURE 4 @.
THAT'' S VERY KEY IS TO MAKE IN THE PRODUCTION OF A PLAN YOU.
CHOOSE FLEXIBILITY I ENVISION 4 @.
THAT'' S EXTREMELY KEY IS TO MAKE CERTAIN GO FOR VERSATILITY I THINK OF 4 @. THAT ' S VERY ESSENTIAL IS TO ENSURE GO FOR VERSATILITY I IMAGINE 4 @. THAT ' S EXTREMELY VITAL IS TO ENSURE. THAT GO FOR ADAPTABILITY I PICTURE 4 @. THAT ' S REALLY ESSENTIAL IS TO MAKE SURE. THAT THAT GO FOR FLEXIBILITY I THINK OF 4 @.
THAT'' S REALLY CRUCIAL IS TO MAKE SURE. THAT THAT STRATEGY GO FOR ADAPTABILITY I ENVISION 4 @.
THAT'' S EXTREMELY KEY IS TO MAKE CERTAIN. THAT THAT PLAN IS GO FOR ADAPTABILITY I ENVISION 4 @.
THAT'' S EXTREMELY ESSENTIAL IS TO ENSURE. THAT THAT STRATEGY IS FLEXIBLE GO FOR FLEXIBILITY I THINK OF 4 @.
THAT'' S VERY VITAL IS TO MAKE CERTAIN. THAT THAT PLAN IS FLEXIBLE THAT'THAT ' S REALLY ESSENTIAL IS TO ENSURE. THAT THAT STRATEGY IS FLEXIBLE THAT'THAT ' S EXTREMELY CRUCIAL IS TO MAKE SURE. THAT THAT STRATEGY IS FLEXIBLE THAT'. YOU THAT ' S VERY
KEY IS TO MAKE SURE.

YOU 4@CAN ADJUSTMENT THAT THAT ' S EXTREMELY CRUCIAL IS TO MAKE SURE. YOU 4@CAN ADJUSTMENT THAT INCOME THAT ' S EXTREMELY ESSENTIAL IS TO MAKE SURE. YOU 4@CAN ADJUSTMENT THAT EARNINGS IN THAT THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN MODIFICATION THAT EARNINGS BECAUSE THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN ADJUSTMENT THAT REVENUE IN. FROM THAT THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN CHANGE THAT REVENUE IN. FROM VARIOUS THAT
THAT STRATEGY IS FLEXIBLE THAT.
YOU 4@CAN MODIFICATION THAT REVENUE IN. FROM VARIOUS EARNINGS THAT THAT STRATEGY IS FLEXIBLE THAT. YOU 4@CAN MODIFICATION THAT INCOME IN.
FROM VARIOUS EARNINGS SOURCES YOU 4@CAN MODIFICATION THAT INCOME IN.
FROM DIFFERENT INCOME SOURCES YOU 4@CAN ADJUSTMENT

THAT EARNINGS IN.
FROM VARIOUS EARNINGS SOURCES.
AS YOU 4@CAN CHANGE THAT EARNINGS IN.
FROM VARIOUS INCOME SOURCES.
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.
NEED. 4@BUT WE ALSO WE INTEND TO ENSURE THAT WE. PROTECT THAT CRITICAL INCOME. REQUIREMENT. 4@BUT WE ALSO NEED WE NEED TO ENSURE THAT WE. PROTECT THAT CRITICAL EARNINGS. REQUIREMENT. 4@BUT WE ALSO NEED TO WE WANT TO MAKE CERTAIN THAT WE. SAFEGUARD THAT CRITICAL EARNINGS. REQUIREMENT. 4@BUT WE ALSO WISH TO MAK SECURE THAT CRITICAL REVENUE. NEED. 4@BUT WE ALSO NEED TO MAK SECURE THAT CRITICAL REVENUE. DEMAND.
4@BUT WE ALSO WISH TO MAK.
SURE SECURE THAT CRITICAL REVENUE. REQUIREMENT.
4@BUT WE ALSO INTEND TO MAK.
CERTAIN THAT SAFEGUARD THAT CRITICAL REVENUE. REQUIREMENT. 4@BUT WE ALSO INTEND TO MAK. SURE THAT WE SECURE THAT CRITICAL EARNINGS. DEMAND. 4@BUT WE ALSO WANT TO MAK. SURE THAT WE CONTAINER SECURE THAT CRITICAL INCOME.
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
CRITICAL INCOME. NEED. 4@BUT WE ALSO WISH TO MAK.
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.
SURE THAT WE CANISTER DO THE ENJOYABLE. POINTS NEED.4@BUT WE ALSO INTEND TO MAK.
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.
TRAVELING THAT SORT OF THING IN @ THINGS IN RETIREMENT YOU RECOGNIZE. TAKING A TRIP THAT SORT OF POINT IN @ THINGS IN RETIRED LIFE YOU RECOGNIZE.
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.
COMPLIMENTARY 4@RETIREMENT WE ' D LOVE TO PUT THEIR PLAN. WITH EACH OTHER.
THEY HAVE A TENSION.

COMPLIMENTARY 4@RETIREMENT BARACKS WE ' D LOVE TO PUT THEIR PLAN. TOGETHER.
SO THEY HAVE An ANXIETY. COST-FREE 4@RETIREMENT BARACKS 4@SHO TOGETHER. SO THEY HAVE A TENSION. FREE 4@RETIREMENT BARACKS 4@SHO TOGETHER.SO THEY HAVE A TENSION. COST-FREE 4@RETIREMENT BARACKS 4@SHO.
SHOWING TOGETHER. SO THEY HAVE An ANXIETY.
COMPLIMENTARY 4@RETIREMENT BARACKS 4@SHO.
REVEALING THE TOGETHER. THEY HAVE A TENSION.
COMPLIMENTARY 4@RETIREMENT BARACKS 4@SHO.
REVEALING THE ROADMAP WITH EACH OTHER. SO THEY'HAVE A TENSION. TOTALLY FREE 4@RETIREMENT BARACKS 4@SHO.
SHOWING THE ROADMAP HOW TOGETHER. SO THEY HAVE A STRESS AND ANXIETY. FREE 4@RETIREMENT BARACKS 4@SHO.
REVEALING THE ROADMAP HOW THEY'' RE FREE 4@RETIREMENT BARACKS 4@SHO.
SHOWING THE ROADMAP HOW THEY'' RE FREE 4@RETIREMENT BARACKS 4@SHO.
SHOWING THE ROADMAP HOW THEY'' RE. REVEALING THE ROADMAP HOW THEY ' RE. SHOWING THE ROADMAP HOW THEY ' RE.
SHOWING THE ROADMAP HOW THEY'' RE. REVEALING THE ROADMAP HOW THEY'' RE. SHOWING THE ROADMAP HOW THEY'' RE.
BECAUSE IT ' S REVEALING THE ROADMAP HOW THEY ' RE. GOING TO MAKE IT THROUGH RETIREMENT @.
SINCE IT ' S A SHOWING THE ROADMAP
HOW THEY ' RE. GOING TO SURVIVE RETIREMENT @.
SINCE IT ' S An ENTIRE REVEALING THE ROADMAP HOW THEY ' RE. GOING TO OBTAIN THROUGH RETIREMENT @. BECAUSE IT ' S An ENTIRE NEW REVEALING THE ROADMAP HOW THEY ' RE.
GOING TO MAKE IT THROUGH RETIRED LIFE @.
DUE TO THE FACT THAT IT ' S A WHOLE NEW 4@GAME GOING TO GET THROUGH RETIREMENT @.
DUE TO THE FACT THAT IT ' S An ENTIRE NEW 4@GAME GOING TO OBTAIN
THROUGH RETIREMENT @.
BECAUSE IT ' S A WHOLE BRAND-NEW 4@GAME.
WHEN GOING TO MAKE IT THROUGH RETIREMENT @.
DUE TO THE FACT THAT IT ' S A WHOLE NEW 4@GAME. WHEN YOU GOING TO MAKE IT THROUGH RETIRED LIFE @.
DUE TO THE FACT THAT IT ' S An ENTIRE BRAND-NEW 4@GAME

. WHEN YOU START TO GET THROUGH RETIRED LIFE @.
SINCE IT'' S A WHOLE BRAND-NEW 4@GAME. WHEN YOU GET TO GOING TO'GET THROUGH RETIREMENT @.
DUE TO THE FACT THAT IT ' S An ENTIRE NEW 4@GAME. WHEN YOU GET TO RETIREMENT.GOING TO SURVIVE RETIRED LIFE @. BECAUSE IT ' S A WHOLE BRAND-NEW 4@GAME. WHEN YOU REACH RETIREMENT.
ALL BECAUSE IT ' S An ENTIRE BRAND-NEW 4@GAME. WHEN YOU OBTAIN TO RETIRED LIFE.
ALL BECAUSE IT ' S A WHOLE NEW 4@GAME. WHEN YOU GET TO'RETIREMENT.
ALL. DUE TO THE FACT THAT IT ' S A WHOLE NEW 4@GAME. WHEN YOU OBTAIN TO RETIRED LIFE. ALL.
RIGHT FOLKS DUE TO THE FACT THAT IT ' S A WHOLE BRAND-NEW 4@GAME. WHEN YOU GET TO RETIREMENT. ALL. RIGHT PEOPLE AT BECAUSE IT ' S An ENTIRE NEW 4@GAME. WHEN YOU OBTAIN TO RETIREMENT.ALL. RIGHT FOLKS IN YOUR HOME BECAUSE IT ' S An ENTIRE NEW 4@GAME. WHEN YOU REACH RETIRED LIFE. ALL.
INDIVIDUALS AT HOME IF BECAUSE IT ' S A WHOLE BRAND-NEW 4@GAME. WHEN YOU GET TO RETIREMENT. ALL.
RIGHT PEOPLE IN YOUR HOME IF YOU'' RE WHEN YOU OBTAIN TO RETIREMENT. ALL.
PEOPLE AT HOME IF YOU'' RE WHEN YOU GET TO RETIREMENT. ALL.
RIGHT INDIVIDUALS IN THE HOUSE IF YOU'' RE. LOOKING WHEN YOU REACH RETIRED LIFE. ALL.
FOLKS AT RESIDENCE IF YOU'' RE. LOOKING TO WHEN YOU OBTAIN TO RETIRED LIFE. ALL.
RIGHT PEOPLE IN THE HOUSE IF YOU'' RE. LOOKING TO MAKE WHEN YOU GET TO RETIREMENT. ALL.
RIGHT PEOPLE AT RESIDENCE IF YOU'' RE. LOOKING TO SEE TO IT WHEN YOU'REACH RETIRED LIFE. ALL. RIGHT FOLKS'IN YOUR HOME IF YOU ' RE. LOOKING TO MAKE CERTAIN YOU ' RE WHEN YOU'OBTAIN
TO RETIRED LIFE.

FOLKS AT HOUSE IF YOU'' RE. LOOKING TO MAKE CERTAIN YOU'' RE ON RIGHT FOLKS AT RESIDENCE IF YOU'' RE. LOOKING TO MAKE SURE YOU'' RE ON RIGHT FOLKS AT RESIDENCE IF YOU'' RE.
LOOKING TO MAKE CERTAIN YOU ' RE ON.
THE RIGHT TRACK RIGHT INDIVIDUALS IN THE HOUSE IF
YOU ' RE. LOOKING TO MAKE CERTAIN YOU'' RE ON. THE RIGHT TRACK FOR RIGHT
FOLKS AT RESIDENCE IF YOU ' RE.
LOOKING TO MAKE SURE YOU ' RE ON. THE RIGHT TRACK FOR YOUR LOOKING TO MAKE SURE YOU'' RE ON.
RETIRED LIFE LOOKING TO MAKE CERTAIN YOU ' RE ON. THE RIGHT TRACK FOR YOUR.
RETIREMENT 4@MATTSON LOOKING TO MAKE CERTAIN YOU ' RE ON. THE RIGHT TRACK FOR YOUR.
RETIRED LIFE 4@MATTSON HAS LOOKING TO MAKE CERTAIN YOU
' RE ON. THE RIGHT TRACK FOR YOUR.
RETIREMENT 4@MATTSON HAS THIS THE RIGHT TRACK FOR YOUR. RETIRED LIFE 4@MATTSON
HAS THIS THE RIGHT TRACK FOR YOUR.
RETIRED LIFE 4@MATTSON HAS THIS.

FANTASTIC THE RIGHT TRACK FOR YOUR.
RETIREMENT 4@MATTSON HAS THIS.
GREAT DEAL THE RIGHT TRACK FOR YOUR. RETIREMENT 4@MATTSON HAS THIS
. EXCELLENT DEAL FOR THE RIGHT TRACK FOR YOUR. RETIRED LIFE 4@MATTSON HAS THIS
. FANTASTIC OFFER FOR YOU.THE RIGHT TRACK FOR YOUR. RETIREMENT 4@MATTSON HAS THIS.
FANTASTIC DEAL FOR YOU. RETIRED LIFE 4@MATTSON HAS THIS.
GREAT OFFER FOR YOU. RETIREMENT 4@MATTSON HAS THIS. NOW RETIREMENT 4@MATTSON HAS THIS.
CURRENTLY THE RETIREMENT 4@MATTSON HAS THIS. CURRENTLY THE FIRST RETIRED LIFE 4@MATTSON HAS THIS. NOW THE FIRST 4@THREE RETIREMENT 4@MATTSON HAS THIS.
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.
RIGHT. CURRENTLY THE FIRST 4@THREE CUSTOMERS.

WITH A GREAT DEAL FOR YOU.
RIGHT. CURRENTLY THE FIRST 4@THREE CALLERS. WITH A PORTFOLIO TERRIFIC OFFER FOR YOU.
. CURRENTLY THE FIRST 4@THREE CALLERS. WITH A PROFILE OF FANTASTIC DEAL FOR YOU.RIGHT.
NOW THE FIRST 4@THREE CALLERS. WITH A PROFILE OF TWO TERRIFIC OFFER FOR YOU.
. NOW THE FIRST 4@THREE CUSTOMERS
. WITH A PROFILE OF TWO HUNDRED CURRENTLY THE FIRST 4@THREE CUSTOMERS.
WITH A PORTFOLIO OF TWO HUNDRED CURRENTLY THE FIRST
4@THREE CUSTOMERS. WITH A PROFILE OF
TWO HUNDRED. FIFTY CURRENTLY THE FIRST 4@THREE CALLERS.
WITH A PROFILE OF 2 HUNDRED.
FIFTY THOUSAND NOW THE FIRST 4@THREE CUSTOMERS. WITH A PORTFOLIO OF TWO HUNDRED.
FIFTY THOUSAND DOLLARS NOW THE FIRST 4@THREE CALLERS. WITH A PORTFOLIO OF TWO HUNDRED
. FIFTY THOUSAND DOLLARS OR WITH A PORTFOLIO OF 2 HUNDRED.
FIFTY THOUSAND DOLLARS OR WITH A PROFILE OF TWO HUNDRED. FIFTY THOUSAND DOLLARS OR.
BETTER WITH A PROFILE OF 2
HUNDRED. FIFTY THOUSAND DOLLARS OR. BETTER THEY ' RE WITH A PORTFOLIO OF 2 HUNDRED.
GREATER THEY ' RE OFFERING WITH A PROFILE OF 2 HUNDRED. BETTER THEY ' RE OFFERING A FIFTY THOUSAND DOLLARS OR.
HIGHER THEY ' RE OFFERING A. COMPLIMENTARY FIFTY THOUSAND DOLLARS OR.
GREATER THEY'' RE OFFERING A. COMPLIMENTARY FULL FIFTY THOUSAND DOLLARS OR. HIGHER THEY'' RE OFFERING A. COMPLIMENTARY FULL BLOWN GREATER THEY'' RE OFFERING A. COMPLIMENTARY FULL BLOWN GREATER THEY'' RE OFFERING A. COMPLIMENTARY FULL BLOWN.
RETIRED LIFE GREATER THEY'' RE OFFERING A. COMPLIMENTARY FULL BLOWN.
RETIREMENT STRATEGY GREATER THEY'' RE OFFERING A. COMPLIMENTARY FULL BLOWN.
RETIREMENT SIMPLY GREATER THEY'' RE OFFERING A. COMPLIMENTARY FULL BLOWN.
RETIREMENT SIMPLY FOR GREATER THEY'' RE OFFERING A.
COMPLIMENTARY FULL BLOWN.
RETIRED LIFE PLAN JUST FOR YOU HIGHER THEY ' RE OFFERING A. COMPLIMENTARY FULL
BLOWN. RETIREMENT SIMPLY FOR YOU 4 @ COMPLIMENTARY FULL BLOWN.
RETIREMENT PLAN SIMPLY FOR YOU 4 @ COMPLIMENTARY FULL BLOWN.
RETIREMENT JUST FOR YOU 4 @.
THEY'' LL COMPLIMENTARY FULL BLOWN.
RETIREMENT SIMPLY FOR YOU 4 @.
THEY'' LL SIT COMPLIMENTARY FULL BLOWN.
RETIREMENT STRATEGY JUST FOR YOU 4 @.
THEY'' LL TAKE A SEAT COMPLIMENTARY FULL BLOWN.
RETIREMENT STRATEGY JUST FOR YOU 4 @.
THEY'' LL SIT DOWN WITH COMPLIMENTARY FULL BLOWN.
RETIREMENT STRATEGY JUST FOR YOU 4 @.
THEY'' LL SIT DOWN WITH YOU COMPLIMENTARY FULL BLOWN. RETIREMENT SIMPLY FOR YOU 4 @.
THEY'' LL TAKE A SEAT WITH YOU AND RETIRED LIFE STRATEGY JUST FOR YOU 4 @.
THEY'' LL SIT DOWN WITH YOU AND ALSO RETIREMENT PLAN SIMPLY FOR YOU 4 @.
THEY'' LL SIT DOWN WITH YOU AND.
PROVIDE RETIREMENT JUST FOR YOU 4 @.
THEY'' LL TAKE A SEAT WITH YOU AND.
PROVIDE YOU RETIREMENT PLAN SIMPLY FOR YOU 4 @.
THEY'' LL TAKE A SEAT WITH YOU AS WELL AS.
PROVIDE YOU WITH RETIREMENT PLAN JUST FOR YOU 4 @.
THEY'' LL SIT DOWN WITH YOU AS WELL AS.
THEY ' LL SIT DOWN
WITH YOU ANDAND ALSO PROVIDE YOU WITH THE ROADMAP THEY ' LL SIT DOWN WITH YOU AND ALSO. GIVE'YOU WITH THE ROADMAP THEY ' LL SIT DOWN WITH YOU AND ALSO.
GIVE YOU WITH THE ROADMAP. THAT GARY THEY ' LL SIT DOWN WITH YOU AS WELL AS.
GIVE YOU WITH THE ROADMAP. THAT GARY DESCRIBED.THEY ' LL TAKE A SEAT WITH YOU AS WELL AS.
SUPPLY YOU WITH THE ROADMAP. THAT GARY DESCRIBED.
THEY ' LL SUPPLY YOU WITH THE ROADMAP. THAT GARY DESCRIBED.
THEY ' LL SUPPLY YOU WITH THE ROADMAP. THAT GARY EXPLAINED. THEY ' LL.
EXAMINE SUPPLY YOU WITH THE ROADMAP.
THAT GARY DEFINED. THEY ' LL. ASSESS WHERE SUPPLY YOU WITH THE ROADMAP.
THAT GARY EXPLAINED. THEY ' LL. ASSESS WHERE YOU SUPPLY YOU WITH THE ROADMAP.
THAT GARY EXPLAINED. THEY ' LL. ANALYZE IN WHICH YOU ARE PROVIDE YOU WITH THE ROADMAP.
THAT GARY EXPLAINED. THEY'' LL. EXAMINE IN WHICH YOU ARE RIGHT SUPPLY YOU WITH THE ROADMAP. THAT GARY DEFINED.
THEY ' LL. ANALYZE IN WHICH YOU ARE RIGHT SINCE GARY DEFINED'.
THEY ' LL. EXAMINE WHERE YOU ARE RIGHT NOW THAT GARY EXPLAINED

.
THEY ' LL. ASSESS WHERE YOU ARE RIGHT CURRENTLY.'AS WELL AS THAT GARY DESCRIBED.THEY ' LL.
ANALYZE WHERE YOU ARE RIGHT NOW.
AND ALSO THEY'' LL THAT GARY DESCRIBED. THEY'' LL. ASSESS WHERE YOU ARE RIGHT NOW.
AND ALSO THEY'' LL TALK THAT GARY EXPLAINED. THEY'' LL. EVALUATE IN WHICH YOU ARE RIGHT NOW.
AS WELL AS THEY'' LL TALK ABOUT THAT GARY DESCRIBED. THEY'' LL. EXAMINE WHERE YOU ARE RIGHT NOW.
AND ALSO THEY'' LL DISCUSS WHAT THAT GARY DESCRIBED. THEY ' LL.
ANALYZE WHERE YOU ARE RIGHT CURRENTLY. AND ALSO THEY ' LL DISCUSS WHAT YOU ANALYZE
WHERE YOU'ARE RIGHT CURRENTLY.
AND THEY ' LL SPEAK ABOUT WHAT YOU ANALYZE WHERE YOU'ARE RIGHT NOW.
AND ALSO THEY ' LL DISCUSS WHAT YOU.
REQUIRED EXAMINE WHERE YOU ARE RIGHT CURRENTLY.
AND THEY ' LL TALK ABOUT WHAT YOU.
NEED TO EVALUATE WHERE YOU ARE RIGHT CURRENTLY. AND ALSO THEY ' LL DISCUSS WHAT YOU.
NEED TO ACCOMPLISH'ANALYZE WHERE YOU ARE RIGHT NOW. AND ALSO THEY ' LL DISCUSS WHAT YOU.
NEED TO ACCOMPLISH'TO ANALYZE WHERE YOU ARE RIGHT CURRENTLY. AS WELL AS THEY ' LL DISCUSS WHAT YOU.
AND ALSO THEY ' LL TALK ABOUT WHAT YOU. AND ALSO THEY ' LL TALK ABOUT WHAT YOU.
NEED TO DO TO GET READY FOR THAT AND ALSO THEY ' LL SPEAK ABOUT WHAT YOU. NEED TO ACCOMPLISH TO GET READY FOR THAT. EFFECTIVE AND ALSO THEY'' LL SPEAK ABOUT WHAT YOU. REQUIRED TO DO TO GET READY FOR THAT.
EFFECTIVE RETIRED LIFE? AND THEY'' LL DISCUSS WHAT YOU.
REQUIRED TO ACCOMPLISH TO PREPARE FOR THAT.
EFFECTIVE RETIREMENT? IT'' LL AND THEY ' LL TALK ABOUT WHAT YOU. REQUIRED TO ACCOMPLISH TO PLAN FOR THAT. EFFECTIVE RETIRED LIFE? IT ' LL BE REQUIREMENT TO ACCOMPLISH TO PREPARE FOR THAT. EFFECTIVE RETIRED LIFE? IT ' LL BE NEED TO ACCOMPLISH TO PLAN FOR THAT.
SUCCESSFUL RETIRED LIFE? IT'' LL BE. A DEMAND TO DO TO PREPARE FOR THAT.
EFFECTIVE RETIREMENT? IT'' LL BE. A VIDEO GAME NEED TO PERFORM TO PLAN FOR THAT.
EFFECTIVE RETIREMENT? IT'' LL BE. A STRATEGY REQUIRED TO DO TO GET READY FOR THAT.
SUCCESSFUL RETIREMENT? IT'' LL BE. A VIDEO GAME STRATEGY TO REQUIREMENT TO ACCOMPLISH TO PLAN FOR THAT.
EFFECTIVE RETIRED LIFE? IT'' LL BE. A VIDEO GAME STRATEGY TO GET NEED TO DO TO PLAN FOR THAT.
EFFECTIVE RETIRED LIFE? IT'' LL BE. A STRATEGY TO OBTAIN TO NEED TO PERFORM TO GET READY FOR THAT.
IT'' LL BE. IT ' LL BE. IT ' LL BE.
NEED SUCCESSFUL RETIRED LIFE? IT'' LL BE. A STRATEGY TO GET TO WHERE YOU.
REQUIRED TO SUCCESSFUL RETIRED LIFE? IT'' LL BE. A STRATEGY TO REACH WHERE YOU.
NEED TO BE SUCCESSFUL RETIREMENT? IT'' LL BE. A TACTICAL PLAN TO GET TO WHERE YOU.
NEED TO BE THE SUCCESSFUL RETIRED LIFE? IT'' LL BE. A STRATEGY TO OBTAIN TO WHERE YOU.
REQUIRED TO BE THE PHONE SUCCESSFUL RETIRED LIFE? IT'' LL BE.
A STRATEGY TO REACH WHERE YOU.
NEED TO BE THE PHONE NUMBER SUCCESSFUL RETIRED LIFE? IT ' LL BE. A STRATEGY TO REACH WHERE YOU.
NEED TO BE THE CONTACT NUMBER TO A STRATEGY TO REACH WHERE YOU.
REQUIRED TO BE THE TELEPHONE NUMBER TO A STRATEGY TO REACH WHERE YOU.
REQUIRED TO BE THE PHONE NUMBER TO.
CALL A STRATEGY TO REACH WHERE YOU.
NEED TO BE THE PHONE NUMBER TO.
TELEPHONE CALL 6 A GAME PLAN TO REACH WHERE YOU.
NEED TO BE THE PHONE NUMBER TO.
PHONE CALL 6 1 A GAME STRATEGY TO GET TO WHERE YOU.
REQUIRED TO BE THE PHONE NUMBER TO.
CALL 6 1 6 A GAME STRATEGY TO REACH WHERE YOU.
REQUIRED TO BE THE TELEPHONE NUMBER TO.
PHONE CALL 6 1 6 5 A TACTICAL PLAN TO REACH WHERE YOU.
REQUIRED TO BE THE CONTACT NUMBER TO.
CALL 6 1 6 5 1 A VIDEO GAME PLAN TO REACH WHERE YOU.
NEED TO BE THE CONTACT NUMBER TO.
PHONE CALL 6 1 6 5 1 4 A TACTICAL PLAN TO GET TO WHERE YOU.
REQUIRED TO BE THE PHONE NUMBER TO.
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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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Retired CPA Warns: Stop Doing These 5 Things in Retirement

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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Pay This Off Before You Retire – Retirement Planning Tips

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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10 STRATEGIES TO BUILD WEALTH

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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Retirement Planning for Singles

The very first step is to figure out what type of income you ' re going to need, and I ' ve got other video clips on that, I ' ll placed web links in the summary to get you some even more info, but you can look at replacing a part of your revenue, or you can just claim, I desire X amount of dollars per year, or you can go with various other techniques, however first we need to recognize just how much revenue you are wishing for. Or if you put on ' t like that, make it the 3%rule to be safer, or take out more if you assume that ' s not enough and also you ' re marketing on your own short.Ultimately, there are a number of means to approach this, so you just pick one that functions well for you, and also again, I can aim you to some sources on figuring that out. You will certainly desire to look at taxes and rising cost of living, so throughout your retired life years, it ' s practical to think that prices might enhance on numerous of the things you purchase, so we desire your revenue to be able to boost as well, Social Safety and security commonly does climb, however maybe not at the exact same rate as the things you ' re acquiring, so your withdrawals may require to account for that.Plus we ' ve got tax obligations.

One quarter of people over age 60 are living alone in their family, and that number is a little greater for ladies, as well as that'' s, of training course, due to females ' s long life. We'' ll go over some averages to offer you a harsh idea of what the landscape looks like for solitary individuals, after that we'' ll obtain into exactly how much money you could need as you go into retirement, after that we'' ll talk concerning some pointers that can help improve the chances of retiring comfortably.Let ' s start with the ordinary retirement revenue for single people. The very first step is to figure out what type of income you ' re going to need, and also I ' ve obtained various other video clips on that, I ' ll put links in the description to get you some even more details, yet you can look at changing a part of your revenue, or you can simply claim, I desire X amount of dollars per year, or you can go with other strategies, yet initially we need to know exactly how much revenue you are wishing for. Or if you put on ' t like that, make it the 3%rule to be much safer, or take out more if you think that ' s not sufficient and you ' re marketing on your own short.Ultimately, there are a number of methods to approach this, so you just choose one that works well for you, and also once again, I can direct you to some resources on figuring that out. You will want to look at taxes as well as inflation, so throughout your retired life years, it ' s sensible to presume that costs may enhance on many of the things you acquire, so we want your revenue to be able to increase as well, Social Security typically does rise, but maybe not at the exact same rate as the things you ' re acquiring, so your withdrawals might require to account for that.Plus we ' ve obtained tax obligations.

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Things We Wished We Knew Before Retirement

Well it'' s great to be with you all once more it'' s. one more video clip day for us – It is – So points that we wish we knew before we retired virtually.
sounds like a nation songs song there Tina – As well as I think you have to be really feeling fortunate.
today Norm – Oh yeah got my lucky t shirt on so due to the fact that we'' re filming been to.
Costco – Got the terrific bargains sanctuary'' t we -We have so among the things that we desire we recognized.
prior to we retired was how cost-free it is how stress totally free no more needing to get up and go through the.
early morning ritual of preparing on your own to visit function as well as being liable to someone else all.
I'' ll just include Norm that when you'' re really getting the job done you actually wear'' t believe it is stressful.
you wear'' t believe you are under all this stress and anxiety up until you stop it do something else and also.
you assume wow this is a lot far better we like this it'' s terrific so simply being accountable to ourselves.
we love it put on'' t we -It is completely life transforming – One point that we do believe is extremely important.
before you retire is you do need to have a discussion with your companion regarding what it is.
that the suggestions that you'' re both assuming you'have when you ' re going
to retire you do require to. have some objectives about, do you desire to take a trip do you desire to yard or do hobbies do you desire. to stay at home you'really do require to have that discussion to ensure you ' re both on the. very same page- I believe it is it is important and we hear a whole lot from some comments especially. wives who are claiming that their spouse their scared the hubby will certainly get under their feet.
because he'' ll be hanging around constantly in retirement yet that actually isn'' t the situation – Not. for us is it -We ' ve been safe and secure as a pair for the lengthiest time and also retirement hasn'' t transformed.
just how we feel about each various other and about what our assumptions of each other is it'' s not as if'. we ' ve all of an abrupt being secured together in retired life (no) so it is essential to figure out.
what you both desire out of retired life as well as to have that conversation a couple of years prior to you actually.
do retire (yeah) one point to birth in mind is the very first couple of years of your retired life you''
ll. be your most healthy so simply make use of that health and wellness and toughness that you do have in the early years.
to accomplish a few of the goals that you want – Yeah and also if you wish to be taking a trip do it while.
you'' ve obtained that -Don ' t think of taking a trip if that'' s on your checklist just do it as soon as possible – Yeah.
absolutely and that'' s what we ' ve done isn ' t it when we retired we just traveled all over.
didn'' t we it was terrific -About 2 years prior to we retired we had actually an assessor involved your home.
for I put on'' t even remember what it was but it was some form of home assessment that we had to and also.
We obtained talking with him because he was a few years older than us yet not that much and also he informed.
us that he had a house really comparable to ours that he had marketed and also currently he was living an apartment.
and he went with the entire procedure of them and also exactly how they moved to the apartment or condo and also how.
it was such a renovation on their life and it was something we'' d never ever taken into consideration.- This was big information to us wasn'' t it we never ever also thought of renting out an apartment – We had been.
homeowners because we were 19 years old so to rent we had that preconceived notion that it was tossing.
money away however the a lot more that we considered it so after he left the next couple of days we invested.
lots of hrs assuming about this we did a spending plan of exactly how much it cost to keep our home mortgage complimentary.
home – Yeah ground all the numbers – As well as what the rental fee would certainly be as well as if we had actually marketed your house and it.
made an increasing number of sense to us to offer the house to downsize into an apartment financial institution the money.
from your home live off that as a financial investment and also that'' s what we did- As well as that ' s what we did didn'' t. we -Yet had that guy not involve our home we could never ever have generated that suggestion – No since.
originally we had actually believed that we would certainly simply buy a smaller home didn'' t we- That ' s appropriate yeah.- So component of our decision when we had actually currently determined that we were going to rent out and we recognized.
that would certainly deal with we wouldn'' t have all this maintenance as well as things like that to do we made a decision.
after we began checking out apartments that if we transferred to a more affordable area might we profit by.
obtaining the like what we desired in an apartment or condo but would it cost us less money so the a lot more.
we checked out it we did have a family members participant that resided in a cheaper location so we looked.
at the equivalent of renting an apartment in this brand-new area as well as it was a lot less expensive.
wasn'' t it Standard -Since we initially thought we would just market our residence and remain in.
the exact same location so we began shopping for apartment or condos to locate out just how much they cost and also the.
schedule as well as we were pretty surprised that at the cost of them but we were prepared.
to pay that (yeah) and afterwards we concerned a what you would certainly call it a village that'' s less expensive.( yeah )we concerned go to a family members member below therefore we started checking out at the homes here.
as well as they were significantly less costly regarding $800 a month cheaper than where we were initially going.
to – Yeah as well as not only that Standard there was a great deal of bonus with it wasn'' t that we obtained there was.
below ground car park and what else a swimming pool – And also laundry centers in the house – As well as that.
was one point the gent had informed us he didn'' t have on-suite washing he had it in a washing room.
so we desired that – But involving the less costly town it wasn'' t simply the rental fees that were.
cheaper whatever was less costly the Tina'' s beautician as we''
ve. stated in the past was more affordable it simply permeated whatever so our budget plan came to be.
so achievable (yeah) by relocating – That offered us a lot more money to be able to travel didn'' t it due to the fact that. we believed if we can save money every day and it worked best didn'' t it -It did it was. great, have a look at that if you do have household that live in a location that could be cheaper or.
simply consider going not recognizing anyone – No it'' s like a new journey isn'' t it a brand-new chapter in. your life since we'' ve made pals below as well as they wear'' t have any household simply right here but they''
ve. made it a new place for them place'' t they- A lot of individuals have relocated out of the big cities to a.
town since it'' s it ' s much more for retirement (yes) and also friendlier another.
thing that you truly require to take into consideration is where your buddies are going to originate from.
in retirement due to the fact that once you leave work those friendships often tend to perish away because.
the only typical bond you have was your task your work environment so we'' ve never ever.
truly had long-term relationships from work coworkers they'' ve constantly been outdoors.
of there so it'' s it ' s seriously important to proceed searching for friendships in retired life.
and being outward bound as well as prepared to speak with individuals Tina when we transferred to this apartment.
they did have a social area and they did a coffee early morning and so she would drop there as well as we.
learnt so much details concerning the town as well as businesses to utilize – It was excellent wasn'' t it – It was -It. was kind of my objective wasn ' t it to learn new details as well as to try and also make brand-new close friends.
which we did as well as we made some wonderful relationships – Well particularly there was one pair that Tina.
made struck up a friendship with and they subsequently have actually introduced us to one more couple yeah and after that.
they consequently have actually presented us to an additional couple to ensure that'' s exactly how it goes -Yeah so now we'' ve obtained.
a team of truly close nice friends that we socialize with put on'' t we -And also the important things that we have. alike isn ' t an employer it ' s being retired – It is isn ' t it -It actually is so put on ' t be worried. of setting out to a brand-new city a new community because it'' s relatively simple to make friendships.
– Yeah you just have to press on your own available a little put on'' t you as well as be confident to going to.
points and it'' s extremely interesting isn ' t it so we hope that everybody is staying secure – And also keeping.
well – Till the next time bye bye, bye bye.

Achievable (yeah) by relocating – That gave us a whole lot more cash to be able to travel didn'' t it because.

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Why You’re Not Having Success (The New Age Paradigm for Career Success) | Courtney Callahan

if you’re new here my name is Courtney I’m a spiritual mentor and life purpose coach today we’re talking about why you aren’t having success right now whether it’s in your career or your business and I know this title of this video sounds a little bit harsh but that’s really what this video is about is giving a spiritual perspective on that and as we move into the New Age there’s going to be a lot of paradigm shifts and one of them is how we go about creating financial abundance and success in our lives so I’m going to talk a little bit about what’s going on if you’re not having success especially if it’s in your career or business right now and what you can do to apply this knowledge to actually create that lasting success that you are seeking so if that sounds good to you please stay tuned and if you are new here and you would like to see more videos on topics like this one I would love to have you as a subscriber so your higher self is always trying to pull you into alignment with your highest path and your purpose for this life so it’s always trying to bring you the right people circumstances insights everything that you need in order to really live your purpose and when it feels like it’s not doing that it’s actually because we’re resisting it or not listening to it in some way but the reality is that your Higher Self the universe whatever you want to call it it’s always working with you to make this happen that also means that the universe will not allow you to have success with something that is not in alignment with your sole purpose with what you came here on this earth to do so this means that if you’re maybe offering some sort of service that isn’t quite in alignment with your true desires but it seems like oh this seems a little bit more acceptable my friends and family might like this better or I think that maybe this will make me more money than if I did what I really want to do you’ll realize that it won’t because the universe is not going to bring you clients when you’re doing that because that would steer you right off your path of doing what you’re actually meant to do if you have your life purpose over here and then you’re settling for your second best career over here and you’re getting all these clients and you’re making all this money doing this then that’s gonna you know totally steer you in the wrong direction so there is a function to having a difficult time with this sort of second-best career that you’re choosing and actually the same goes for how much you charge for the services that you’re offering so if you are offering some sort of service but you keep lowering the prices because you think that’s the only way that people are going to pay you for your work what you’re going to find is even if this is your life purpose even if this is your sole work you’re still not going to be able to attract clients even though you’re offering it for a super low price point and this is because if the universe was bringing you clients for that that would only reinforce the subconscious or the conscious belief that yes if I lower my prices more and more than I get more clients and that would be a problem if you are getting clients when you are charging low amounts of money for your services because that couldn’t sustain you in the long run therefore making you have to maybe pick something else maybe you decide to you know switch careers and then you aren’t doing your sole work because it couldn’t financially sustain you so this is the new paradigm as we move into the New Age the Age of Aquarius there are a lot of shifts in the way that we are going to be able to sustain financial success business success career success and we’re moving away from this conflict between what do I really want to do versus what is going to make me money and make me successful we’re finding that really the only way to create success and financial abundance is to really do what you want to do to really do your sole work so in order to have this lasting success you really need to get honest with yourself about what you really want don’t worry about what people are going to think about you don’t worry about your family is going to understand you have to really be honest with yourself because that thing is always going to be there and I think on some level we unconsciously sabotage ourselves in our careers when we’re not doing exactly what we want to do either so I think that’s really important to be aware of as we shift into this new age that the way that we’re going about success is going to be changing a lot so really tune in to what you really really want to do and understand that wouldn’t your in that energy of being totally in alignment with your sole purpose your vibration is attracting the people and the resources and the money and everything that you need in order to live that purpose so I hope that made sense.

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