Your Finance Future at Retirement

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Take back your financial future.

  1. How we got into our financial situation
  2. March 9th felt impact of Canova virus. The stock market crash more drops after that. One day 13% drop. One day. 22 trade days drops 30%
  3. Lost jobs 14% many have been out of work for six months.
  4. Industry of hostilely d lost 1.4 billion. 50 billion bailout for flight industry. 118 billion lost revenue 2020.
  5. Many companies closed. Roughly 25% of GDP
  6. Contention election, capital riot. Democrats control congress
  7. Unemployment rate in Dec 6.7 un employment
  8. Where could we go from here?
  • Vix is a vitality index
  • Non-elections years 16-to 56
  • Election years 23-2-92.
  • With bailouts, taxes will have to go up.
  • Will see continued volatility in market, unemployment issues
  1. When can you to do to take control over finances future
  • determined your continued risk.
  • Warren buffet: rule
  • Never lose money. Rule
  • Don’t ever forget rule 1.

If you had one mill in stock market and lost half you get 500 if you increase 50% met gain would be 750K.

  1. Get a complete free risk analysis.

It’s insane to risk what you have for something you don’t need –warren buffet.

  1. Minimize future taxes wherever possible. Not all CPA has extensive tax knowledge.
  • Traditional IRA pays taxes at retirement, Roth IRA you pay in advance. You paid taxes already. Compare it to a farmer. Would you prefer to pay tax on seed or on the hardest of the field?
  • Maybe transfer tradition IRA to convert to Roth and pay taxes now. Good for those who currently have a low tax bracket.
  • <not all CPAs do tax planning

Get a complimentary Rough to IRA transfer

  1. Ensure your foundation is solid.
  2. At retirement seek a consistent and reliable income stream
  3. . Maybe health issues or inconsistent or instable payments.
  4. Written income plan? Has your financial provider provided that?
  5. When is it starting and where will it come from?
  6. In what order
  7. How will it grow?
  8. How will it account for health issues?
  9. How long will it last?
  10. Need an advisor who gets you through retirement.

 

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Eternal Families

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This was from a church talk. Any misinformation is the fault of the note taker.

 

  • I was a lousy temple attendance. When I was no longer feeling of the spirit a much when I no longer was a bishop. I asked to be a temple worker and I had wonderful experiences.
  • It is hard to have a family member who became inactive. What joy we experienced when he returned. It’s a miracle when changes are made from inactivity to full activity and gaining endowments.
  • There is a rapid change today. The gospel of Jesus Christ is not coming to church. It is in the home. The church is home centered.
  • When visitors enter your home, they can see that the spirt dwells in your home.
  • Solidness is a good term of the gospel of where you want to be. Gordon Kimball, a former apostle, says he is not always on the path be he crosses it a lot. Better then not walking the path at all.
  • When you take a boat of the coast, it does not go in a straight line. You learn to adjust.
  • Have a greet testimony of Jesus Christ. We love the Lord with all our heart, mind, and soul (?).
  • You learn about how our heavenly father loves us when we become a grandfather.
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Movie, A More Perfect Union

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This movie shows how America Becomes a Nation” (featured in 1989).

https://www.youtube.com/watch?v=mLhgYoeMMdw

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Article on Spelling to Share

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9 Ideas to Improve Student Spelling in Your Classroom

https://prowritingaid.com/art/1611/9-ideas-to-improve-spelling-in-school.aspx?utm_campaign=BlogTraffic&utm_medium=post&utm_source=Email-newsletter&utm_content=improve-student-spelling-mar02

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101 of Writing for Magazines

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This was a webinar offered by the Writer for Kids organization. Any misinformation is the fault of the note taker.

Advantages of writing for magazines.
– Your name shows up on the browser under your name
– There are 7000 in print magazines.
– You can connect readers; people may search you out from your timeline.
– Position you as an expert on toxic.
– It has a quick turn around
– Can see your name n print 4-6 months later. A book can take years to get into print.
– You get to meet great new people with quotes or experts in our research.
– You may bet experience you would have had.
– You can work from home or other places. From your computer
– You get paid to write.
– You want to shoot from $50 for an article to $2. Per word.

What does it take to be a successful article reader?
– Persistence
– If you send to an agent and they say no you’re done with that contact. If you send an edit and they say no to an edit they say no, that is not just for that article. You need to keep going
– Need to have knowledge of the process.
– 1. You write the query first. 95% of the time then submit to the editor, when they say yes> then write the article.
– 2. Challenge is writing an effective query letter.
– 3. Do your homework, research to make sure you send work to the correct place. Look at the demographics, average age of the reader, gender, household income, hobbies.
– Look t the advertisement will give you a hint of who reads the articles.
– 4. Types of auricles. Do they have a long feature, do they have rounds up. Do they have how-to? For kids to they have puzzles. What type of articles?
– 5. What is the tone of the magazine?
– 6. Look t what has been published recently. Some magazines are very nitch. I.e.; writer magazine, dialog, characterization, etc.
– 7. Looking at solid writing skills.
Writing an effective query letter is essential.
– You have 10 seconds to impress an edit. Show them you have a decent knowledge of your topic. And say why you’re the perfect person to say it.

How to come up with solid ideas.
– Ideas are all around us.
– One article volunteer at daughter’s school.
– Spend two days doing fly fishing. She got excited. Wrote a lot of pieces on the topic. Take about colutne3er, program at school, and easy.
– Using our life as an inspiration.
– Hobbies and interests
– Organizations or travel. Don’t’ forget what is in our neighborhood or state.
– Occupations in the past
– Expertise outside of your job.
– Do you play sports or an instrument? What different skills you have.
Is there any cause you are passionate about?
– What new items are you interested in.
– Favorite holidays or events that your children are interested in, a family tradition.
– Do you have a good solution on how to handle a problem? Relay a way to resolve a family issue.
– Ask someone what are your top three skills. They may tell you stuff you dint’ realize.
– Write what you want to know.

Media kit:
– This is a kit for prospective advertisers. That can be useful to you on articles. If you write an article that meets with the advertise the magazine might ask an advertiser if they want an ad in the middle of the article?

Other ideas:
– If you borrow info from blogs it could be considered a reprint.
– People will search their email pitches to see what to present in a magazine (maybe make sure the subject line features it.
– Big-name magazines get more flooded of subs than small pubs. Some of the smaller ones still pay well. Cosco pays $1 a word.
– Look at rights to see if a tory can be republished.
– You can learn about things
– When she started she did thinks she was interested in.
– If you want to build a platform then specialize more than concentrating your articles on those topics.

Find out what you enjoy writing about.
– If you want to be a general article writer, then diversify your subject matter.
– Fiction subs provide a cover letter, article you do a pitch.
– The blueprint does discuss rights and discusses concentrate.
– As a teacher and mother, she would do weekends an do one article at a time.
– If you want to do an interview get permission first.
– Do you need to send out writing samples.> not too often. Or published requests have them listed on our website.
– To find magazines you can do a “google parent magazines” if focus on the region, you tighten your search.
– To shoot for a new market, will rad different article an old issues, etc.
– Some magazines request specific articles. The magazine may have a theme list.
– Ideas are not copied writable.
– You can change one article to have a different emphasis through a rewrite.

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Quick Pick-me-up through Body Tapping

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These notes are from my employer’s Healthy Living Video Series: Here are my notes. Any misinformation is the fault of the note taker.

Mindful movements can help you release tension and increase energy circulations and move our bodies more during the day.
Can help at all levels of experiences.

Two gentle body tapping.

    Upper body

– Sit down and shake arms and hands and breath.
– Tap starts at shoulders. Left-arm stretches and tap with right pam. Tap through six meridian channels. From shoulder to the palms of your hand. Before joint, on joint, after joint.
– Shake out our hands and wrist and Start taping starting from the shoulder. On the arm taps should and slowly tap down to the arm with the palm of your hand.
– Flip your palm and move up the arm
– Turn our pam up so that the thumb at the highest and tap the arm down of the thumb. This helps your lungs.
– Karate chop into the palm of our hand helps with small intestines and heart.
– Turn and go up under your arm until you are in the armpit. Touches the heart meridian channel. Tilt slightly to the side.
– A hand width under the armpit helps with tension and depressions.
– Can gently tap your chest. > helps with congestions.
– Tap our back shoulders. > Heart.
– Tap your hand back offhand tap op. large intestines and triple energizer.
– From shoulder to under the arm to the hand at thump exhale out.
– Tap the right hand to the left palm. Calms the mind.
– Drop a hand width below the armpit and tap the side of the body.

    Lower abdomen.

– As you tap, you are sending energy to your internal organs. Help your mind. Tap clockwise on the abdomen. An exhale. Helps with vitality strength and creativity.
– Lower body tapping while standing
– Shake your arms and legs.
– First, warm up hands by rubbing them together. Put warm hands-on back to help with the kidney.
– Tap down the back of the legs by starting at buttix. Go down.
– Put your warms hands above the waistline and rub up and down or in circular motions. Can get arms circulating.
– Tap the top of your feet
– Tap the toes of your feet one foot at a time.
– Tape up your legs, shins.
– Tapping is good for bone density. Want the vibrations to go two inches into the body.
– Tap the outside of the feet is to help the gall bladder.
– Tap inside our feet to ankles,
– Tap around your belly
– In addition, tap 20 times or about 3-5 min with palms cupped. And bounce your knees softly.
– Put right hand on inside and gyes opist to rub our bell. Go up on right and down on your left. (Clockwise) moves the energy inside the natural way.
– Tap the lower abdomen. (manages energy field)
– When you tap, you are sending energy to your organs.
– It will help your mind.
– When taping hit before, on, and after each joint.
– Tapping the top knuckle of the thumb helps with the lungs.
– You can feel body vibrations under your arm. It can help depression.
– Tapping the chest can help with congestion
– Slowly inhales and exhale. Helps with Vitality strength and creativity
– Rub belly cock wise. Moves energy inside.

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Pray, Vote, Stand website

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Three is a website for many Christian denominations who are working together to maintain religious liberty. Check out their website and videos.

prayvotestand.org

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The Three Gardens

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This is a talk at church. Any misinformation is the fault of the note taker.

– We lived as spirit children with our heavenly parents had counsel in heaven. The pan of salvation was presented. Two brothers want to help with the plan.
– One wanted to follow the plan and no one will be lost. Satan wanted the glory. Those that followed Satan during the war of heaven were cast out.
– Christ, I will go what God has commanded. Prepare a way. And they can use their agency. All the glory to God.

    Garden of Eden

– Adam and Eve were the first to be to earth and inhabit the earth and live in the Garden of Eden.
– Eve and Adam took the fruit and had to leave the garden.
– They did not have God’s presence constantly in their life.
– As time went on man fell away.
– There was only one who could pay the price to enable God’s children to return to heaven. Christ would make the perfect selfless act.
– Man is an enemy to God unless he yields to the enticing of the spirit.
– No unclean thing can dwell in the kingdom of God.
– Alma: it was expedient that an atonement be done or all would bel sot.

    The Garden of Gethsemane

– The lord did the last supper what was the first sacrament
– Led friends to Gethsemane, Christ knew he would be betrayed.
– Luke: he was withdrawn from them and knelt down and prayed. Christ says “remove this cup, thy will be done. Being in agony he prayed. Great drops of blood.
– Christ’s words: I suffered these things for all
– Christ captured, judged, and put up on the cross.
– Taken to the garden tomb to be buried

    The Garden Tomb

– Christ did rise to a new life, perfect.
– Mary was the first person to see him. He talked to her and she recognized his voice.
– He taught his disciples. about the resurrection and his work. Told them to go out into the world to spread his word.
– God will redeem us and cleanse our sins.

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Utah County Commissioner Debate 2021

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I watched this tonight and took notes. I was suddenly asked to replace someone as a county delegate so I’m doing a lot of quick research prior to the country elections tomorrow. Any misinformation is the fault of the note taker. It was a lot of quick ty0ing and then I tried to fix missing info. Some info is truncated.

If you have any feelings you want to share on any of the following individuals, please message me privately, as it may influence the rankings of my vote.

This is a submission to the caucus corner.

Christopher Herrod
– Patriotic mindset
– Vote conservative
– 6 yrs. UT legislator
– Years ago I shared concerns about accepting socialism, people laughed
– Master organization degree
– Find hurtles for country employees. Worked to defeat prop 9.
– Room for a tax cut.
– Work with attorneys and sheriffs to protect rights.
– Q: How would you improve public trust.
– Better communication
– Set up an ordinance to prevent federal interference
– Q: How support for emergency assistance?
– We don’t collect taxes on federal lands. We get some payment. We need to make sure we get pair
money to pay for emergency needs from federal lands.
– Q: How would you address the high cost of housing? Permit accessory housing for rural housing.
– I have a record of conservative views. See my Facebook page.
– Push for the return of state lands from the federal government.

Rod Mann
– Concentrate on land use and roads
– I have a listening ear as shown as a Mayor.
– Made connection road that had been ignored for decades. Active in May.
– See my record for how I handle things.
– Q: What are your three priorities if a commissioner?
– Improve communication with residents, get ahead of things,
– Restructure of staff shared staff
– Address transportation, besides the plan of 2050.
– For water. We need to conserve water. Recharge afatures (sp) – something water-related.
– Q: How would you address transparency in the UT CT government?
– As Mayor, last four years, I had a monthly meet the mayor meeting. I would like to implement a
meeting with the commission meeting. Also, post a blog.
– Do not move ahead on more commission member decisions.
– Q: How would you address the high hosing cost? Push all devotement into the cities. It is a
city problem?
– I have a track record.
– I like long-term planning.

Amelia Powers Gardner
– Our system got updated.
– We changed forms to online and saved $80K
– Worked for caterpillar
– We need to plan for the future.
– On corvid, we should have pushed push back on mandates.
– We need to plan for future
– Q: what should we do with Federal money sent to the county?
– First address corvid concerns,
– Eliminate the tax increases,
– Increase capital improvements while we have the money. If we don’t use it, we lose it.
– Update our IT structure.
– Q: How would you address deficit spending? Be physically responsible. Do our part as a county
with conservative values. Do not go into deficit spending. If we can’t raise taxes then we’ll
need to cut services.
– Our UT government is outdated.
– We’ve kicked the can down the road too long.
– We will find the solution.
– Need to prepare for the future.

Robert Stevens
– I ask the questions of what if and what else?
– Need to address housing development.
– Regulations cause restricted living
– Complex questions and be answered by simple solutions
– Q: What is your preferred form of county government?
– We should be able to communicate more between commissioners and the public.
– Our budget 100 million. We need to address wastewater.
– Q: How would you prioritize road projects?
– Bring in experts outside of Government to help make the decisions.
– We need to improve unreinforced government buildings.
– See my website that discusses mistakes in planning

Steve White
– I was a previous commissioner.
– One of the commission’s responsibilities is to address the mental and public health of the
homeless.
– Transportation: The mag organization is where we get our future planning.
– He said something about vital vial falls but I missed it.
– Q: How would you address the traffic issue?
– We need to devote more attention to the connector roads that connect to I15 such as expanding
them.
– Q: housing prices that are no longer affordable, how do you think this can be addressed? – – Problems lie within the cities. Allow construction in the unincorporated areas. Non-corporated
areas are without sewers and city amenities. The city should arrange for smaller lots for
individual homes. Six homes to an anchor.
– I had no side jobs when I was a commissioner which two of my peers had. I only serve the
citizens of UT ct.

Connie (Howard) stone
– I’ve been involved with the freedom festival
– Involved with the Olympics
– Helped with housing and the homeless
– Property rights.
– Public safety
– Support police
– Water an important issue how we share
– Land use
– Business commerce
– Q: On what would you have changed a decision of the past?
– Be prepared for the future.
– Q: How should city and country governments work together? Rapid transit.
– A fellow candidate asked this person, about their transparency. He heard that one department
group had to hound him for their allotted money.
– How to address housing costs? Smaller lots, unless they’re on a green belt program.

Christopher Forbush
– I was an intern for the legislator
– I’m currently an investigator on sexual harassment at UVSC
– We have a big issue in transportation
– Q: How would you approach citizen feedback?
– As more people move to UT country, more income will come in to fulfill increased needs.
– Q: How would you address the pollution in Utah Lake. Clean lake, perhaps by dredging the lake. – Stop people from dumping waste into it. Review the costs for suggestions
– We have done some excellent things in the past. If we can cotinine doing this forward, we will
be in great shape.

Ethan Allen
– Living here, I feel safe and enjoy the recreational opportunities.
– I love lI have high integrity and honesty.
– I don’t feel we go back to five yrs. ago tax rate.
– I do feel we could expand to five commissioners rather than three.
– Q: How do you feel we should have responded to the corvid event? I wish we could not have forced people to do what they didn’t do.
– The front line should be extended further south.
– Q: How would you fund increasing needs and staffing?
– Go to the people to see if make a tax increase. A lot of growth it will fund a lot of needs.
– With more roads, offer more services.
– Our county has one of the highest aquaculture production.
– We’re generally well managed.
– We need to prepare for needs before we face a deficit.
– I can use my business experience for our county.

Walt Parcell
– Be responsible
– Refocus
– Perform instead and sitting back.
– I support a five-commissioner system. More knowledge and auditing.
– Keep the auditing department separate from the commission department.
– Growth is our major responsibility.
– We need a strong Sherriff’s dept.
– Lower taxes.
– We face the challenge of growth
– Our roads are in bad condition. We need a mass plan for transportation

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Walter Williams Suffers No Fools

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https://www.youtube.com/watch?v=qtzqsoM7-q4

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