How To Manage Your Money For Financial Freedom
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By: Paper2GoldFreedom
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How To Manage Your Money For Financial Freedom
Get your free Life Mastery Toolkit: Learn how to manage your money for financial freedom through this weekly ritu... http://
By: Paper2GoldFreedom
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Pavement Live 1997 Tibetan Freedom Concert
Pavement Live 1997 Tibetan Freedom Concert, Golden Gate Park, San Francisco.
By: tako808
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GodTvRadio Show 2 - Freedom of Speech - Atheism - Scientist ThunderF00t Claims Reality is a Delusion
John 3:16: For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life. Jer 29:11: For I know the plans I have for you,...
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Should you still buy an annuity to guarantee you can afford the everyday spending essentials for the remaining years of your life? Photograph: Alamy
We are entering a golden era of pension freedom this year, if you believe the government. But before doffing our caps to George Osborne for releasing us from the annuity jail, lets explore some of the myths already building up.
Youll get free advice Watch Osbornes lips in the 19 March 2014 budget. He said that everyone will be offered free, impartial, face-to-face advice on how to get the most from the choices they will now have. But you wont. Straight after the speech, Osbornes officials began backtracking on the promise. For the 400,000 people retiring each year, it wont be advice (oh no, that would make the government liable for it) but guidance. The guidance wont actually tell you what products to buy with your pension savings. It wont be personally relevant, but at best will signpost people to where they can find real, regulated financial advice which will cost hundreds, if not thousands of pounds.
As industry expert Ned Cazalet pointsout, the current regulatory regime means there is a strong danger that we end up with a two-tier nation, where the majority of retirees are effectively denied access to useful professional advice.
Annuities should continue to provide a safety net income for essentials The pensions industry, staring at the catastrophic collapse of 12bn a year in sales, is madly promoting the idea that annuities still have a role to play. They say you should still buy an annuity to guarantee you can afford the everyday spending essentials for the remaining years of your life, then use drawdown for other expenditure.
But as Cazalets report reveals, annuities are even more God-awful than we thought. Even though he prepared it for a pension company, Royal London, Cazalet estimates that the industry has robbed 20% from your fund for expenses. Effectively, for every 50,000 you saved over your lifetime, they have been pocketing 10,000. Of course, Cazalet doesnt use the word rob, but you see the point.
Neither does he have much time for the idea that annuities leave you in profit so long as you last into your mid-80s. He reckons that flat-rate annuities (which dont go up in line with inflation) do not pay you back the money you paid in until you reach the age of 85, which is a woeful two years above current male life expectancy at age 65. Index-linked annuities make no sense at all. On his maths, they only deliver value for money if the annuitant lives to be at least 101!
You are going to live a very long time, so spread the money carefully Its true, we are all living longer, men in particular. In 1971, a man aged 70 on average lived a further 9.5 years. Today, they are likely to live another 14.6 years.
But how many of those additional years are spent in good health? The data suggests the first 10 years after 65 are spent in relatively good health, but after age 75 the average male will spend eight years in relatively poor health. What does this mean for pension planning? Blow it all before 75? Or keep it all back until 75 to spend on care needs? And if we are all supposed to be merrily drawing down our pension money, will we have the cognitive capacity to handle drawdown from our mid-80s onwards? The number of people suffering with dementia is expected to rise to 2 million by 2051. Oddly enough, Cazalet suggests that it may make sense to buy an annuity at age 75, notwithstanding their generally poor value, just to stop the elderly having to make financial decisions in later life.
You will be able to use your pension like a bank account. Ha ha. Does anyone really think pension companies (and employers too) are in shape to deliver the new pension freedoms from 6 April? Get ready not for Pension Freedom Day but for Pension Total Chaos Day
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Several years ago, when the Freedom From Religion Foundation first pondered a need for more space, it considered selling its headquarters Downtown and buying a larger building elsewhere.
Annie Laurie Gaylor, a foundation co-president with her husband, Dan Barker, said she hoped they might buy a vacant church.
But after evaluating 20 or so sites, the couple decided to stay put and construct an addition to the nonprofit organizations current building. All for the better, they now say.
The addition, which staff members began moving into this week, keeps the organization at the corner of West Washington Avenue and North Henry Street.
The prominent spot is near Overture Center and the Madison Central Library and just blocks from the state Capitol and the UW-Madison campus.
We like to be in the thick of things, Gaylor said.
Indeed they do.
The organization, founded in 1976, promotes the separation of church and state with a tenacity that delights some and exasperates others.
Its second goal, to educate the public about atheism and agnosticism, elicits less public vitriol but is no less important to the organizations members.
Both goals now will be easier to pursue with the expansion, Gaylor said.
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With expansion, Freedom From Religion Foundation quadruples space, adds staff
PASS THE FOI BILL Photographers gather at Rizal Park in Manila to demand the passage of the freedom of information bill and to fight for their right to shoot in public places and national parks, such as Rizal Park and Intramuros. NIO JESUS ORBETA
Twenty-seven years after the late Sen. Raul Roco filed the first freedom of information (FOI) bill, the campaign for an FOI seems on the verge of bearing fruit. A Senate version, The Peoples Freedom of Information Act of 2013, or Senate Bill No. 1733, was passed by that chamber in 2013 and again on March 10, 2014.
In the House of Representatives, the committee on public information finally approved on Dec. 1 the lower chambers own version, The Peoples Freedom of Information Act of 2014. It was drafted by the Technical Working Group, which included the Right to Know Right Now coalition, after earlier versions were twice killed in 2012 and 2013 for reasons ranging from the supposed absence of a venue for the committee to discuss the bill to a lack of quorum in the plenary.
Quoting from the Constitution, both bills state in their respective declarations of policy (Section 2) that the State recognizes the right of the people to information in matters of public concern and adopts and implements a policy of full public disclosure of all its transactions involving public interest. But the bills add the caveat subject to the procedures and limitations provided by this Act, in the process suggesting that the constitutional guarantee of the citizenrys right to information will now, unlike in the past, be subject to legally explicit limitations.
Public right
The Constitution indeed recognizes the right to information. The Supreme Court has also ruled that the right to information is a public right that may be exercised by any citizen. Its exercise by citizens and State implementation is supported and mandated by Republic Act No. 6713 and Executive Order No. 89.
RA 6713 compels government to disclose information on government matters upon request, while EO 89 requires national government agencies to draft and implement procedures for both the public and government agencies to follow when there are requests for government-held information.
Among journalists the consensus some 13 years ago was that government-held information was generally accessible, despite the Philippines being among the few countries in Asia without an FOI Act. The Philippines, in fact, led other countries in Southeast Asia in a 2001 study on such access by the Southeast Asian Press Alliance.
More recently since then, however, and especially during the Arroyo regime, obtaining information on government matters has become more difficult and the absence of an FOI law does seem an anomaly in this rumored democracy.
Institutionalizing access to information through an FOI law couldand it is a possibility rather than a certaintymake the release of government information to citizens less subject to the whims of clueless bureaucrats and corruption-ridden administrations with a passion for secrecy.
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Religious Freedom in 2015
Pastor Steve Ellison
Much is said these days about religious freedom. Vocal and impassioned advocates from both ends of the spectrum wail quite a lot about freedomofreligion or freedomfromreligion. Freedominreligion seems a better term. Freedomin Christis the best term. Christ Himself spoke about it. In the midst of a heated argument with the unbelieving Jewish leaders, Christ turned to the believing Jews and said,"If you continue in My word, then you are truly disciples of Mine; and you will know the truth, and the truth will make you free." They answered Him, "We are Abraham's descendants and have never yet been enslaved to anyone; how is it that You say, 'You will become free'?" Jesus answered them, "Truly, truly, I say to you, everyone who commits sin is the slave of sin. The slave does not remain in the house forever; the son does remain forever. So if the Son makes you free, you will be free indeed.(John 8:31-36 NASU) The only real freedom is found in Christ because Christ alone offers a release from bondage to sin.
Throwing oneself on the mercy of Christ, trusting Him for eternal salvation obtains forgiveness for sin, i.e. freedom from the penalty of sin. Throwing oneself on the mercy of Christ also yields a promise from God that in this life, the Christian can be freed from bondage to sinful behavior. This is a progressive work done by God in the life of the believer in Christ. Finally, this same throwing oneself on the mercy of Christ brings another promise from God, that one day the believer will be freed from the very presence of sin. In short, the unbeliever is under the penalty of sin. Once he trusts Christ the penalty of sin is removed. Now that he is a believer, he will in this life be gradually and progressively brought out from under the power of sin. Sometimes this is so dramatic that it appears to be instantaneous; however there is always other sin that needs to be dealt with. Galatians 5:1 tells us,It was for freedom that Christ set us free; therefore keep standing firm and do not be subject again to a yoke of slavery.(NASU) Gods additional promise is that there will be no tears or pain in eternity, which means there will be no sin. These are wonderful truths based wholly on the mercy and grace of God. We cannot earn any part of them. They are gifts of God.
Our part is simply to yield to the Spirit of God. Second Corinthians3:17states,Now the Lord is the Spirit, and where the Spirit of the Lord is, there is liberty.(NASU) Second Thessalonians 2:13-14 tells us how this liberty will come about;God has chosen you from the beginning for salvation through sanctification by the Spirit and faith in the truth. It was for this He called you through our gospel, that you may gain the glory of our Lord Jesus Christ.(NASU) Real freedom is not dependent upon the government keeping anti-religious people from preventing me from exercising religion. Neither is it dependent on the government keeping religious people from forcing their religion upon me. Real religious freedom is found in Christ alone. Real religious freedom means that I am not required to keep the Old Testament Law in order to be reconciled to God. Real religious freedom means that I am free from the penalty of sin; I can be free from slavery to sin; I will one day be free from the very presence of sin. I will not sin and neither will anyone around me. This is religious freedom. ..pastorsteve8800@gmail.com
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WENN
We now dial the cop shop every time we feel offended online
Katie Hopkins
Katie, who is renowned for posting controversial statements on Twitter , has taken to her regular paper column to bemoan those who called the police.
She criticised people who "dial the cop shop every time we feel offended online" and insists "the freedom to say only things that are polite is no real freedom of speech at all", in her Sun newspaper column today.
Writing in the English edition of the Sun, Hopkins said: "I have always maintained the Boys in Blue have far better things to do than police Twitter.
"But instead of argument, reasoned debate, discussion or avoidance, we now dial the cop shop every time we feel offended online.
"Since when did telling teacher ever solve an argument in the playground?
"The freedom to say only things that are polite is no real freedom of speech at all."
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'No freedom of speech' Katie Hopkins rants after police probe into 'sweaty jock' tweet
For 75 days in 2014, Hong Kong residents seeking freedom stood in open defiance of their unelected leaders, including by occupying key thoroughfares of the former British colony. They were joined at times by hundreds of thousands of sympathizers who oppose Beijing's attempts to thwart political freedom in the city. And while the protesters have since withdrawn, their movement has reached a new plateau. Indeed, this year likely will be tumultuous for the city -- and beyond.
Beijing's authoritarian government and the Umbrella Movement protesters know something that legions of China experts around the world do not: This political force has the potential to effect change not only in Hong Kong, but across the world's most populous country. In so doing, it would make the region and world safer for the United States and its allies.
One visiting Chinese student protester summed up the potential awakening that haunts the minds of Beijing's tyrants. He wrote of the process of choosing China's leaders, "It is not even in our mindset to consider the legitimacy and integrity of that process. We don't know that it's possible to ask, 'What do we want?'"
But he does now. Celebrating the spark of freedom that opened his eyes, he admonished his compatriots: "You have no idea how people in the dark corners of the world, me included, covet it."
Protesters have taken to the streets in the city before, but never like they did last fall. Historians may look back on 2014 as a meridian in time, when the fight for democracy in Hong Kong evolved from parliamentary jousting and isolated voices in the wilderness into a broader mass movement. Figures like Martin Lee, who founded the Democratic Party in Hong Kong, and Cardinal Joseph Zen, who spoke unhesitatingly about Chinese human rights, have passed the torch to a new, broader, younger set of actors. What in the past was linked to a few personalities is today a movement with wide generational appeal -- a nightmare for Beijing.
No historical analogy is perfect, but what is happening in Hong Kong may be as significant for China as the emergence of Solidarity in 1980 was to Poland. Poles had risen up in each decade since communism was imposed on them, only to be crushed by still-confident and powerful Communist authorities, crucially backed by the force of the imperial center. Solidarity marked the turning point, and in 1989 it finally succeeded in starting the wave of liberty that freed Central Europe. In Poland then, and perhaps today in Hong Kong, a political current that previously had been spontaneous and easily dispersed gained a degree of organization and durability. Like Solidarity, this new movement will make mistakes, suffer setbacks and face seemingly impossible odds. But it will also carry with it a spark that one day, without much warning, might trigger a revolution that sweeps more than just Hong Kong.
This year, the movement will very likely force officials in Hong Kong and Beijing to stumble and act rashly. For example, Beijing is signaling that it expects Hong Kong finally to adopt a National Security Law that would deal with "sedition, treason, and subversion" -- areas of law rife with the risk for abuse by tyrants. Such a provision was envisioned by Hong Kong's Basic Law, which stemmed from the handover agreement with the British. But then again, so was a transition to democracy by genuine universal suffrage -- which Beijing has all but abrogated.
Some expect the authorities to revisit the National Security Law after the Chinese New Year in February. If so, that will likely be the next flash point in Hong Kong.
What should the United States and other free nations do? Hillary Clinton set the tone for the Obama administration on her inaugural trip to Beijing as secretary of state, when she announced that pressing on human rights could not be allowed to interfere with "the economic crisis, the global climate change crisis and the security crisis."
This approach is misguided. Effectively ignoring governance and treating the Chinese government as a partner will not make it one -- something that should be obvious upon examining Beijing's recent conduct toward its neighbors. The best long-term hope for peace and security in Asia is a Chinese government that doesn't have to manufacture legitimacy through jingoism.
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Freedom From Homosexuality Part 3
This message was preached during The Mantling Of The Generation Conference 2012 in Iloilo City, Philippines.
By: TheGenesis29
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Monster Hunter Freedom Unite - Online Quests -- Part 79: Garuga Blaze
Please leave a Like - your support is appreciated! *** Monster Hunter Freedom Unite - Online Quests (via Ad-hoc Party), with commentary Part 79: Garuga Blaze Recorded on Dec. 29, 2014: G2*...
By: octaneblue
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Monster Hunter Freedom Unite - Online Quests -- Part 79: Garuga Blaze - Video
Beacon Hill, The Freedom Trail Candle Haul - Boston Day 2 || PartTimeWanderlust
Our first full day in Boston after having a huuuuge breakfast at The Paramount we had a walk around beautiful festive Beacon Hill. We then took to the freedom trail to explore all sights...
By: PartTimeWanderlust
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Beacon Hill, The Freedom Trail & Candle Haul - Boston Day 2 || PartTimeWanderlust - Video
audiomachine - Path To Freedom
Follow audiomachine on Facebook: https://www.facebook.com/audiomachine Buy this album on iTunes: http://smarturl.it/chronicles Amazon: http://smarturl.it/chronicles1 CDBaby (physical copy):...
By: audiomachine
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Snorkeling in Thailand (Freedom Beach, Patong, Phuket), December 2014
Snorkeling at Freedom Beach in Patong, Phuket, Thailand. Video filmed in the beginning of December, 2014. Music: DoubleK - Three Steps Ahead (http://soundcloud.com/khosrokadkhoda)
By: Seven Monkeys
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Snorkeling in Thailand (Freedom Beach, Patong, Phuket), December 2014 - Video
Happy New Year from Texas Freedom
Plane crash, Obamacare, economics, gold and silver.
By: dailyestate
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Price of Freedom: A Witness to History
Clarence Schutt #39;s life is pretty peaceful these days, but in the 1940 #39;s and 1950 #39;s he fought in two wars. He saw more combat than most people ever will. "January 7, 1944 I joined the Marine...
By: newschannelnine
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Freedom Planet [Lilac][3] - I don #39;t remember this at all
No seriously, that never happened.
By: Indigo
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Freedom Planet [Lilac][3] - I don't remember this at all - Video
David Hasselhoff - Welcome 2015 "Looking For Freedom" live @ The Brandenburg Gate
New Years Eve ... Silvesterparty in Berlin 2014/2015 @ the Brandenburg Gate. HAPPY NEW YEAR:)
By: TheHoffFan72
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David Hasselhoff - Welcome 2015 "Looking For Freedom" live @ The Brandenburg Gate - Video
hare krsna 2 14 osho master 2 14 | demo freedom setting one~five blender theme color - english
hare krsna 2 14 osho master 2 14 ming lin - seo digital entertainment arts | my like freedom open source gpl demo freedom setting one~five blender theme color - english buddhis dharma...
By: ming lin chiang
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EXODUS NIGHT: THE MOVEMENT OF JAH PEOPLE. A NIGHT OF FREEDOM
LIVE WITH APOSTLE EMMANUEL KUREN @ THE EAGLES CITY INT #39;L, ORHUWHORUN TOWN UDU LGA, DELTA STATE NIGERIA.
By: U U ARMY TV
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EXODUS NIGHT: THE MOVEMENT OF JAH PEOPLE. A NIGHT OF FREEDOM - Video