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Cameron Funding Co. FREE Reports
IMPORTANT NOTICE TO ALL POTENTIAL CHILD SHIELD, U.S.A. CONCERNED PARENTS, CUSTOMERS, REPRESENTATIVES AND
THE ENTIRE AMERICAN PUBLIC
PLEASE READ THIS OFFICIAL NOTIFICATION
WARNING
Child Shield, U.S.A. has been in business since 1990 and this is the official web site for the company that explains the details, history, facts, etc. about the Trademarked and Patent Pending Child Shield Comprehensive Child Protection Program as described herein.
The official advertised price is a one time $199.00 Family Registration Fee that covers all children in the immediate family under age 18 to be able to enter into the program. In addition to this one time (Lifetime) fee, there is either: a $15 monthly renewing fee; 3 monthly $55 payments ($165); or an annual cost of $150. There is no other method of payment or price.
In addition to the above, there is an official $20 discount (10%) from the $199 Registration Fee for all Active and Retired (First Responders) Law Enforcement and Fire Fighters; Active Educators and Active Military families.
IT HAS COME TO THE ATTENTION OF CHILD SHIELD, U.S.A. THAT THERE ARE UNAUTHORIZED-ILLEGAL-CRIMINAL ACTIVITIES WHERE INDIVIDUALS HAVE ATTEMPTED TO USE THE INTERNET WITH THEIR OWN ILLEGAL AND UNAUTHORIZED WEB SITES ATTEMPTING TO DUPE FAMILIES WITH A $20 OR $30 OR OTHER PRICE FOR THE SO CALLED "CHILD SHIELD" PROGRAM. ANY FAMILY WHO PAYS ANY PRICE OTHER THAN WHAT HAS BEEN STATED HEREIN IS NOT PROTECTED BY CHILD SHIELD, U.S.A.
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Cameron Funding Co
PUTTING THE PIECES BACK TOGETHER; SOLUTIONS YOU CAN UNDERSTAND AND TRUST
“We used the information provided [by CFC] and now are able to offer value-added services to our customers, too.!” -
Phil Durrks, CA
A Tax Tip, Bookkeeping Basic, and Notary Note is waiting for you - Click here...
Social Security:
So Good, So Bad, So Long
By Erin Sims, Financial Advisor
In the depths of the Great Depression, when FDR signed the Social Security Act of 1935 into law, there were more than 40 taxpayers contributing to the trust fund for every person withdrawing benefits. Mortality tables foretold that a person living to age sixty-five was the exception to the rule. Back then if you could find a job, you worked, you retired, then you died. Many people just worked then died. By insurance industry standards, Social Security was an actuary’s dream-come-true – lots of premium with almost no claims – the new cash cow for the New Deal government.
The one thing our dispirited nation needed most back then was hope. If you were around in the 1930s, you probably conjure up images of rampant unemployment, bread lines, the poorhouse. The only thing worse than being poor was being old and poor. To combat the evils of the era, like the mythical opening of Pandora’s box, out jumped the gift of hope in the form of Social Security. How could this be anything but good? As the Greek myth counseled, the box was simply a metaphor for the unanticipated consequences of things politicians should leave well enough alone.
Asking politicians to keep their hands away from a trust fund bulging with cash is like asking a pack of wolves to keep their teeth away from a carcass of blood-red meat. Little by little our hard-earned cash was pilfered, replaced with IOUs in the form of treasury bills, moved into the general fund and spent on pork-barrel projects that buy votes in home states. Our Social Security trust fund was drained dry to reelect the very politicians who drained it.
But aren’t treasury bills just as good as cash? What’s the difference? you ask. The difference is that cash earns money, while IOUs cost money. If Social Security funds had not been squandered but left alone to fulfill their promised purpose, allowed to earn even a modest rate of interest slightly higher than the rate of inflation, by now we would have amassed enough reserves to eliminate FICA from present-day paychecks and permit endless generations to retire in style.
Versatile New Retirement Solution
May Solve "Annuity Puzzle"
By Erin Sims, Financial Advisor
The greatest fear most Seniors face during retirement is outliving their nest egg. Yet when given the choice of exchanging a lump sum of money for a guaranteed lifetime income stream – the act of annuitization – most opt to keep the less secure lump sum. In fact, insurance industry statistics show that only about 5% of annuity owners elect to annuitize. This paradox is called the “annuity puzzle” and contradicts an ever-growing number of economists and financial advisors who agree that guaranteed income for life provides far better retirement security than cash in hand. Understandably, the $100,000 squirreled away at the bank seems like more money than the $680 a month for life a 65-year-old male would receive by annuitizing the same amount.
One reason for the annuity puzzle is that annuity agents often fall short of educating their clients, both before and after the purchase. Purchasers don’t ask enough questions. Add to this the aversion Seniors have of making changes in their status quo. Then there are the costs of the insurance company’s guarantee of dolling out monthly payments for life, the gamble of how many years one might live to enjoy those payments, and the complexity of understanding how annuitization works in the first place. Finally, with traditional annuitization the payout terms are carved in stone, never to be changed, and your premium stops earning all but the stingiest rate of interest.
But there is a versatile new retirement solution on the horizon. Many annuity carriers, including industry giants like Allianz and Sun Life Financial, have developed a fixed indexed annuity with multiple choices and flexible options that allow for adjustments along retirement’s road. Payout terms are anything but carved in stone, and various options allow your account value to continue at full earning potential both before and after entering payout mode.
For example, when you are ready to start taking income from your annuity, you can choose from a range of payout options including income you cannot outlive. This option allows you the added flexibility of suspending, restarting or revising your payment amount (within limits), or cancelling your contract and receiving the remaining accumulation value as a lump sum “walk-away.”
The unique feature of this hybrid retirement product is your potential to earn above-average interest during both the accumulation and payout phase. Instead of settling for “rocking chair” earnings once you begin receiving payments, your annuity continues earning as it did during the growth phase. One may be tempted to envision an ever-replenishing fund from which income flows but balances never fall. This is not how it’s designed to work.
But this new retirement solution is designed to replenish some of your account value even during the payout phase. Add to this the unique advantage insurance products have of providing long-term tax deferral to help your retirement assets grow. Your earnings, once credited, are locked in and protected against equity market declines. Finally, if your retirement circumstances should take an unexpected detour along life’s road, you now have the versatility of walking away with a large chunk of that lump sum – even after perhaps years of annuity payments. Now the only remaining question to the annuity puzzle is, “What will they think of next?” Contact me.
Tax Tip:
If I owe tax to the IRS, do I have to pay when I e-file my tax return?
No. You can send in the payment at a later date. However, you need to be aware of penalties and interest for late payments if you pay after the April 15th deadline.
How will I know if the IRS has accepted my tax return after I have e-filed?
Login to your account to view the status of your e-filed tax return. You will also receive e-mail updates on the status of your tax return.
What happens if the IRS rejects my tax return?
You will be sent an e-mail giving the reason why the tax return was rejected or you can login to your account to view the rejection explanation. Usually it is something easy to fix such as a misspelled name or a mistyped Social Security number.
Visit One Bookkeeper To Go today!
Bookkeeping Basic:
Easy to Use Fully Computerized Systems
INCREDIBLE BENEFITS TO YOU...
Your accounting system will be tailored to your business. You can do it, I can do it, or we can do it together.
Your bookkeeping/accounting costs can be reduced substantially. Your personnel will be free to produce more profits for you.
We can help you acquire financing, investors, or other needed cash for your business.
You will receive properly designed financial statements that will allow you to manage your business efficiently, and help you to better plan for the future.
Consider this . . . the average small business owner spends over 10 hours personally each month in accounting for the business. If your average billing rate is $50 per hour, you may be spending more than $500 per month of your time.
Streamline this task, and free up your valuable time.
It Makes ¢ents!
If your business is steady and stable, or growing fast, then congratulations! But IT IS POSSIBLE for your business to improve, and generate more profits!
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No matter which of these groups describes your business, you can benefit from these small business services that can save you both time and money! Visit One Bookkeeper To Go today! Now specializing in 30-Day Business Turnarounds.
Notary Note:
Fees charged by a notary public are pursuant to government code section 8211 and should not exceed those rates. However, each signature is one occurence; two acknowledgements, therefore, will be $20.
No fees may be charged for signatures on an absentee ballot or for US military veterens regarding claims or applications for any veteren benefit.
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Prepaid Credit Cards (click)
Debit cards and rechargable Pre-paid credit cards work like a credit card, without the hassle of interest and monthly bills. These are great for people that have poor credit, gifts, parents that want to give their college student credit card purchasing power without the risks or even for internet purchases.
Social Security continued...
nstead, our Social Security system lives hand to mouth with nothing in the cupboards. Today there are only 3.3 contributing taxpayers for every Social Security recipient. We have 78 million baby boomers coming into retirement over the next twenty years. Millions of early boomers will begin to retire in 2008, when those born in 1946 reach Social Security’s early option retirement age of 62. Each year through 2025 more baby boomers will enter retirement.
Because baby boomers have not reproduced in numbers sufficient to grow replacement taxpayers, the ratio of 3.3 contributors to 1 recipient will diminish to roughly 2 to 1. Each double-income household will have to pay the Social Security benefits of one retiree (today an average of $1002 a month without counting Medicare) before buying their own groceries, paying the mortgage, utilities, clothing, school expenses, healthcare, etc.
What’s the bottom line? Three things: First, be thankful for what little Social Security benefits you get. Under the present system, the odds of your children getting it are slim, and of your grandchildren getting it, probably none. Second, be open minded to privatization of Social Security, and ignore party politics. They couldn’t mess it up any worse than it already is. And finally, teach your children (yes, I know it’s a line from an old Crosby, Stills, Nash & Young song - and I'm dating myself). Seniors are still revered for their wisdom. Teach your children, no matter how old, to move money into their own private retirement fund until it hurts. Encourage them to teach their children to do the same. Saving money is a good thing. Really! It's a way to tell the politicians, “So long.”
For a free information kit, consultation and analysis of your retirement plan, please contact me.
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