Retirement Seminar Invitation - November 10th, 2009Jeff Green
Jeff Green, founder of Green Financial Group, invites people to attend a presentation on November 10th at 11:30 AM at the Crowne Plaza Downtown hotel. The presentation will discuss retirement topics such as whether people will have enough retirement income, the current economic recovery and what it means, how inflation may affect spending power, the stability of investment firms and savings safety, and a capital markets overview. Those interested can RSVP to Carady Pacheco by phone or email.
The document discusses traveling and retirement. It notes that traveling could represent freedom after 30 years of work, or it could provide a sense of adventure through checking out new places. Traveling with kids provides quality family time and making memories together. The document advises keeping expectations and reality in mind for summer trips, and reminds the reader to keep asking "Are we there yet?" along the way.
The document describes an interactive game where the player is presented with images of common Christmas symbols and items and must correctly click on matching names. It lists 22 common Christmas symbols and items then provides instructions to play a game where the player clicks on the right picture for each named item. The player successfully identifies the matching picture for gingerbread man, mistletoe, presents, candy cane, candle, star, bells, Christmas card, holly, Frosty the Snowman, Christmas tree, star, and Christmas pudding. When finished it congratulates the player.
The document contains examples of mathematical formulas and problems. The first example calculates the amount left in an account after 32 years with an initial principal of $1500 earning 4.5% interest compounded semi-annually. The second example calculates the cost to wrap 24 pepsi cans individually for a birthday gift based on the dimensions of each can and a cost of $0.25 per square centimeter of wrapping paper. The final section lists homework problems from page 307 numbers 1 through 7.
This document provides instructions for an assignment involving renewable energy resources. Students are split into groups and assigned a renewable resource to research in their textbook on specific pages. They are to create a T-chart listing at least two advantages and disadvantages of their assigned resource. Afterwards, students meet with their group to discuss their findings and decide on the 2-4 most important advantages and disadvantages to share with the class.
El foco del negocio de Actívica Elearning reside en brindar servicios de alto valor agregado en Formación y Tecnología en un marco de colaboración y respeto hacia sus clientes y colaboradores.
Los tejidos son materiales constituidos por células organizadas de forma determinada con un origen y función comunes. En los animales existen principalmente cuatro tipos de tejidos: de revestimiento, conectivos, musculares y nerviosos, mientras que en las plantas los seis principales son protectores, embrionarios, fundamentales, esqueléticos, conductores y secretores.
Retirement Seminar Invitation - November 10th, 2009Jeff Green
Jeff Green, founder of Green Financial Group, invites people to attend a presentation on November 10th at 11:30 AM at the Crowne Plaza Downtown hotel. The presentation will discuss retirement topics such as whether people will have enough retirement income, the current economic recovery and what it means, how inflation may affect spending power, the stability of investment firms and savings safety, and a capital markets overview. Those interested can RSVP to Carady Pacheco by phone or email.
The document discusses traveling and retirement. It notes that traveling could represent freedom after 30 years of work, or it could provide a sense of adventure through checking out new places. Traveling with kids provides quality family time and making memories together. The document advises keeping expectations and reality in mind for summer trips, and reminds the reader to keep asking "Are we there yet?" along the way.
The document describes an interactive game where the player is presented with images of common Christmas symbols and items and must correctly click on matching names. It lists 22 common Christmas symbols and items then provides instructions to play a game where the player clicks on the right picture for each named item. The player successfully identifies the matching picture for gingerbread man, mistletoe, presents, candy cane, candle, star, bells, Christmas card, holly, Frosty the Snowman, Christmas tree, star, and Christmas pudding. When finished it congratulates the player.
The document contains examples of mathematical formulas and problems. The first example calculates the amount left in an account after 32 years with an initial principal of $1500 earning 4.5% interest compounded semi-annually. The second example calculates the cost to wrap 24 pepsi cans individually for a birthday gift based on the dimensions of each can and a cost of $0.25 per square centimeter of wrapping paper. The final section lists homework problems from page 307 numbers 1 through 7.
This document provides instructions for an assignment involving renewable energy resources. Students are split into groups and assigned a renewable resource to research in their textbook on specific pages. They are to create a T-chart listing at least two advantages and disadvantages of their assigned resource. Afterwards, students meet with their group to discuss their findings and decide on the 2-4 most important advantages and disadvantages to share with the class.
El foco del negocio de Actívica Elearning reside en brindar servicios de alto valor agregado en Formación y Tecnología en un marco de colaboración y respeto hacia sus clientes y colaboradores.
Los tejidos son materiales constituidos por células organizadas de forma determinada con un origen y función comunes. En los animales existen principalmente cuatro tipos de tejidos: de revestimiento, conectivos, musculares y nerviosos, mientras que en las plantas los seis principales son protectores, embrionarios, fundamentales, esqueléticos, conductores y secretores.
The document discusses trends in business travel based on a survey of 1,400 frequent business travelers in 14 countries. It finds that 91% expect to maintain or increase their level of business travel in the coming year, despite economic uncertainties. However, it also notes that the business travel industry is undergoing significant changes, with traditional relationships between suppliers and clients coming under pressure. Companies are increasingly moving to online booking tools to gain cost savings of 15-20% on flights. While airlines are trying to resist this shift, the widespread availability of technology that extracts the best fares is making companies' move to online booking difficult for airlines to counteract.
El documento describe los sistemas de gestión de bases de datos, los cuales sirven como interfaz entre la base de datos, los usuarios y las aplicaciones, manejando de forma ordenada los datos de una organización para convertirlos en información relevante. Los objetivos de estos sistemas incluyen abstraer los detalles de almacenamiento físico de los datos para los usuarios y garantizar la seguridad de la información almacenada en la base de datos.
The document provides an overview of the Bing Maps platform for building location-based solutions and applications. It describes the Bing Maps API, which includes the Bing Map Control, Bing Maps Web Services, and MapPoint Web Service. It then lists and explains many of the features supported by each, such as geocoding, routing, map tiles, localization support, and developer tools.
El documento presenta un caso de estudio sobre cómo McDonald's implementó con éxito la plataforma de aprendizaje Moodle para su unidad de capacitación en línea en 2004. Tras un análisis comparativo, Moodle fue recomendado debido a su compatibilidad con SCORM, su facilidad de personalización y su escalabilidad. McDonald's pudo personalizar completamente Moodle e integrarlo con sus sistemas existentes en solo dos meses.
El Consejo de Ministros ha aprobado la distribución entre las Comunidades Autónomas de quince millones de euros en 2009 para el aumento de la oferta de plazas para jóvenes para el aprendizaje del inglés en las Escuelas Oficiales de Idiomas
Parasitism describes a symbiotic relationship where one organism, the parasite, benefits while harming the other, the host. Common human parasites include ticks, tapeworms, and roundworms. Cuckoos are avian brood parasites that lay their eggs in the nests of other bird species like reed warblers. The cuckoo chick then evicts the host's eggs and chicks from the nest to monopolize all food from the host parents.
Apogee Search Marketing provides three tailored paid search (PPC) services: PPC Start-up, Audit, and Training. The Start-up service handles launching new PPC campaigns, the Audit analyzes existing campaigns to improve performance and lower costs, and Training focuses on strategies for keyword generation, ad copy, bidding, and content campaigns. Apogee ensures PPC campaigns are successful at any stage by providing these customizable individual services.
Sequestration refers to $1.2 trillion in automatic, across-the-board spending cuts to federal agencies from 2013 to 2021 split evenly between defense and nondefense programs. Congress created sequestration in 2011 to address the debt ceiling, with the goal of replacing the cuts, but failed to do so. The cuts will reduce defense spending by 8% and nondefense by 5-6%, excluding Social Security, Medicaid, Medicare and payments to providers by more than 2%. In addition to potential layoffs, all federal agencies will implement cost-saving measures beginning March 1st.
The American Taxpayer Relief Act of 2012Jeff Green
The new year began with some political drama, as last-minute negotiations attempted to avert sending the nation over the "fiscal cliff." Technically, we actually did go over the cliff, however briefly, as a host of tax provisions and automatic spending cuts took effect at the stroke of midnight on December 31, 2012.
Time Running Out for Large Gifts in 2012Jeff Green
Currently, the exemptions for federal gift tax, estate tax, and generation-skipping transfer (GST) tax are at historic highs, and the gift, estate, and GST tax rates are at historic lows. But, in 2013, the exemptions are scheduled to substantially decrease, and the tax rates are scheduled to substantially increase. This raises the question of whether 2012 might be a good time to make large gifts that take advantage of the current large exemptions while they are still available.
What is the "fiscal cliff"? It's the term being used by many to describe the unique combination of tax increases and spending cuts scheduled to go into effect on January 1, 2013. The ominous term reflects the belief by some that, taken together, higher taxes and decreased spending at the levels prescribed have the potential to derail the economy. Whether we do indeed step off the cliff at the end of the year, and what exactly that will mean for the economy, depends on several factors.
What Does the Supreme Court Ruling on the Health-Care Reform Law Mean for You?Jeff Green
On June 28, 2012, the U.S. Supreme Court ruled, in a landmark decision, that the Patient Protection and Affordable Care Act (ACA), including the provision that most Americans carry health insurance or pay a penalty, is constitutional.
It's no secret that what's happening in Europe is driving financial markets worldwide. Even if you have a sound asset allocation strategy and a well-diversified portfolio, it's hard to ignore the fact that this summer seems to have the potential for turbulence. Markets dislike uncertainty, and at this point uncertainty is high, particularly in advance of the June 17 elections scheduled in Greece.
The S&P 500 has failed to hold gains above 1366 on two occasions recently, suggesting downside potential in the near term. The author expects the S&P 500 to decline to test its 38.2% retracement level between 1330-1320 in the coming week before finding support and rebounding from this area, marking the near term bottom of this correction. The document provides contact information for Jeffrey Green of Green Financial Group and notes that any opinions expressed are those of Mr. Green.
Background
As 401(k) plans have become more popular, plan participants have become increasingly responsible for making their own retirement savings decisions. The Department of Labor (DOL) has become concerned that participants in self-directed 401(k) plans (those that allow participants to direct the investment of their own accounts) might not have access to, or might not be considering, information critical to making informed decisions about the management of their accounts--particularly information on investment choices, fees, and expenses.
The Federal Open Market Committee will meet on Tuesday to set monetary policy. The Fed is widely expected to leave short-term interest rates unchanged and the wording of the economic assessment should be largely the same as in the previous statement. However, we could see another round of asset purchases or some changes to the Fed’s communications.
Loan growth plays a key role in economic expansion. Simply put: no loan growth, no economic growth. However, there’s a downside. Debt doesn’t matter until it does. Debt has played a key part in the economic downturn and in the gradual recovery. Europe’s sovereign debt crisis has continued to escalate, with no easy way out. In the U.S., the government has borrowed more, but the markets have not punished it for doing so. There’s no sign that that is going to change anytime soon.
A positive sign that has come as a result of the back and forth action in the markets over the past couple of weeks is the emergence of a triangle pattern in the S&P 500 (SPX). A triangle pattern, in and of itself, is neither a bullish pattern nor a bearish pattern until the pattern has completed.
The document discusses trends in business travel based on a survey of 1,400 frequent business travelers in 14 countries. It finds that 91% expect to maintain or increase their level of business travel in the coming year, despite economic uncertainties. However, it also notes that the business travel industry is undergoing significant changes, with traditional relationships between suppliers and clients coming under pressure. Companies are increasingly moving to online booking tools to gain cost savings of 15-20% on flights. While airlines are trying to resist this shift, the widespread availability of technology that extracts the best fares is making companies' move to online booking difficult for airlines to counteract.
El documento describe los sistemas de gestión de bases de datos, los cuales sirven como interfaz entre la base de datos, los usuarios y las aplicaciones, manejando de forma ordenada los datos de una organización para convertirlos en información relevante. Los objetivos de estos sistemas incluyen abstraer los detalles de almacenamiento físico de los datos para los usuarios y garantizar la seguridad de la información almacenada en la base de datos.
The document provides an overview of the Bing Maps platform for building location-based solutions and applications. It describes the Bing Maps API, which includes the Bing Map Control, Bing Maps Web Services, and MapPoint Web Service. It then lists and explains many of the features supported by each, such as geocoding, routing, map tiles, localization support, and developer tools.
El documento presenta un caso de estudio sobre cómo McDonald's implementó con éxito la plataforma de aprendizaje Moodle para su unidad de capacitación en línea en 2004. Tras un análisis comparativo, Moodle fue recomendado debido a su compatibilidad con SCORM, su facilidad de personalización y su escalabilidad. McDonald's pudo personalizar completamente Moodle e integrarlo con sus sistemas existentes en solo dos meses.
El Consejo de Ministros ha aprobado la distribución entre las Comunidades Autónomas de quince millones de euros en 2009 para el aumento de la oferta de plazas para jóvenes para el aprendizaje del inglés en las Escuelas Oficiales de Idiomas
Parasitism describes a symbiotic relationship where one organism, the parasite, benefits while harming the other, the host. Common human parasites include ticks, tapeworms, and roundworms. Cuckoos are avian brood parasites that lay their eggs in the nests of other bird species like reed warblers. The cuckoo chick then evicts the host's eggs and chicks from the nest to monopolize all food from the host parents.
Apogee Search Marketing provides three tailored paid search (PPC) services: PPC Start-up, Audit, and Training. The Start-up service handles launching new PPC campaigns, the Audit analyzes existing campaigns to improve performance and lower costs, and Training focuses on strategies for keyword generation, ad copy, bidding, and content campaigns. Apogee ensures PPC campaigns are successful at any stage by providing these customizable individual services.
Sequestration refers to $1.2 trillion in automatic, across-the-board spending cuts to federal agencies from 2013 to 2021 split evenly between defense and nondefense programs. Congress created sequestration in 2011 to address the debt ceiling, with the goal of replacing the cuts, but failed to do so. The cuts will reduce defense spending by 8% and nondefense by 5-6%, excluding Social Security, Medicaid, Medicare and payments to providers by more than 2%. In addition to potential layoffs, all federal agencies will implement cost-saving measures beginning March 1st.
The American Taxpayer Relief Act of 2012Jeff Green
The new year began with some political drama, as last-minute negotiations attempted to avert sending the nation over the "fiscal cliff." Technically, we actually did go over the cliff, however briefly, as a host of tax provisions and automatic spending cuts took effect at the stroke of midnight on December 31, 2012.
Time Running Out for Large Gifts in 2012Jeff Green
Currently, the exemptions for federal gift tax, estate tax, and generation-skipping transfer (GST) tax are at historic highs, and the gift, estate, and GST tax rates are at historic lows. But, in 2013, the exemptions are scheduled to substantially decrease, and the tax rates are scheduled to substantially increase. This raises the question of whether 2012 might be a good time to make large gifts that take advantage of the current large exemptions while they are still available.
What is the "fiscal cliff"? It's the term being used by many to describe the unique combination of tax increases and spending cuts scheduled to go into effect on January 1, 2013. The ominous term reflects the belief by some that, taken together, higher taxes and decreased spending at the levels prescribed have the potential to derail the economy. Whether we do indeed step off the cliff at the end of the year, and what exactly that will mean for the economy, depends on several factors.
What Does the Supreme Court Ruling on the Health-Care Reform Law Mean for You?Jeff Green
On June 28, 2012, the U.S. Supreme Court ruled, in a landmark decision, that the Patient Protection and Affordable Care Act (ACA), including the provision that most Americans carry health insurance or pay a penalty, is constitutional.
It's no secret that what's happening in Europe is driving financial markets worldwide. Even if you have a sound asset allocation strategy and a well-diversified portfolio, it's hard to ignore the fact that this summer seems to have the potential for turbulence. Markets dislike uncertainty, and at this point uncertainty is high, particularly in advance of the June 17 elections scheduled in Greece.
The S&P 500 has failed to hold gains above 1366 on two occasions recently, suggesting downside potential in the near term. The author expects the S&P 500 to decline to test its 38.2% retracement level between 1330-1320 in the coming week before finding support and rebounding from this area, marking the near term bottom of this correction. The document provides contact information for Jeffrey Green of Green Financial Group and notes that any opinions expressed are those of Mr. Green.
Background
As 401(k) plans have become more popular, plan participants have become increasingly responsible for making their own retirement savings decisions. The Department of Labor (DOL) has become concerned that participants in self-directed 401(k) plans (those that allow participants to direct the investment of their own accounts) might not have access to, or might not be considering, information critical to making informed decisions about the management of their accounts--particularly information on investment choices, fees, and expenses.
The Federal Open Market Committee will meet on Tuesday to set monetary policy. The Fed is widely expected to leave short-term interest rates unchanged and the wording of the economic assessment should be largely the same as in the previous statement. However, we could see another round of asset purchases or some changes to the Fed’s communications.
Loan growth plays a key role in economic expansion. Simply put: no loan growth, no economic growth. However, there’s a downside. Debt doesn’t matter until it does. Debt has played a key part in the economic downturn and in the gradual recovery. Europe’s sovereign debt crisis has continued to escalate, with no easy way out. In the U.S., the government has borrowed more, but the markets have not punished it for doing so. There’s no sign that that is going to change anytime soon.
A positive sign that has come as a result of the back and forth action in the markets over the past couple of weeks is the emergence of a triangle pattern in the S&P 500 (SPX). A triangle pattern, in and of itself, is neither a bullish pattern nor a bearish pattern until the pattern has completed.
Faster than a speeding tortoise, more powerful than suntan lotion, unable to leap small objects in a single bound – the Joint Select Committee on Deficit Reduction (aka “the super committee”) is stumbling toward its November 23 deadline.
Two clouds hung over the financial markets in the late summer: worries about a European financial crisis and concerns that the U.S. economy might be tipping back into recession. Real GDP rose at a 2.5% annual rate in the advance estimate for 3Q11, which should put to rest fears that the U.S. economy has already entered recession. However, there are still some important uncertainties in the growth outlook for 2012. European leaders dodged a bullet last week, with the agreement on Greek debt (failure would have triggered a more immediate crisis). However, they did not put a number of problems to bed completely. So, how long will the good feelings last?
The Federal Open Market Committee, the Fed’s policymaking arm, will meet on November 2-3. Clearly, there are some differences of opinion among senior Fed officials regarding the appropriate path for monetary policy. However, the dissenters (those wanting to do less) are a small minority. The FOMC will come together with a somewhat less troublesome near-term economic outlook (no recession in the near term), but there are more concerns about growth in 2012.
Later this month, the government will release the advance estimate of 3Q11 GDP growth. There are uncertainties in that estimate – inventories and foreign trade make up a relatively small part of the economy, but account for much of the quarterly variation in GDP growth. We already have a good idea regarding the “meat and potatoes” of that report. Consumer spending and business fixed investment expanded further in the third quarter, suggesting no recession in the near term. However, the economic outlook for 2012 is a lot less clear.
The Economic Outlook – In A Holding PatternJeff Green
Recent economic figures have been consistent with the view of lackluster-to-moderate growth in the near term – not a recession, although the risk of a renewed downturn remains. Whether the U.S. slips back into recession depends on a number of factors: gasoline prices, developments in Europe, and policies that may or may not come out of Washington, D.C.
The Economic Outlook – In A Holding PatternJeff Green
The economic outlook remains lackluster with moderate growth expected in the near term and the risk of renewed recession depending on factors like gas prices, developments in Europe, and government policies. Recessions caused by financial crises are more severe and prolonged than typical downturns. While recent economic data is consistent with moderate growth, consumer spending has weakened due to higher food and energy costs reducing real income growth. Lower gas prices may provide more consumer spending boost later if sustained. The job market recovery is slow as seen in past recessions, with businesses reluctant to hire without sustained increased demand. The consumer outlook is mixed with spending not falling sharply but real income growth slowing.
In the last few months, some have taken to calling the current economic period, “the Lesser Depression” (instead of “the Great Recession”). There’s no precise definition of “a depression” (and as it is, the definition of “a recession” is rather vague). Most economists would say a depression is a lengthy period of elevated unemployment. That’s exactly what we may be staring out now. Monetary and fiscal policy could provide further support for growth, but there’s a lot of resistance.
S&P downgraded the US credit rating from AAA to AA+ based on their view that the recent fiscal plan agreed to by Congress and the administration will not stabilize the country's medium-term debt dynamics. The outlook on the long-term rating is negative and S&P could further lower the rating if debt trajectories are higher than currently expected. While the downgrade may lead to higher borrowing costs, its effects are uncertain and the US debt is still considered safe. Secondary impacts through related markets like money market funds and banks' agency debt holdings could be significant.
1. JEFF GREEN
Founder
You’re Invited …..
I hope you are free on August 12th to join me for a presentation that
is really different.
Topics of discussion are specific to retirement.
Such as:
Retirement Income‐ Will you have enough?
Economic Recovery‐ Where are we in the recovery and what
does it mean to you?
Inflation‐ How will the stimulus plan effect your spending
power?
Credit Crisis‐ Is your investment firm stable? Are your
savings safe?
Please R.S.V.P. to Carady Pacheco at 713‐244‐3030 or
carady@greenfinancialgrp.com
Spouses are welcome.
When: WEDNESDAY AUGUST 12TH, 2009
11:30 AM
Where: CROWNE PLAZA DOWNTOWN
6363 Woodway, Suite 870 I Houston, TX 77057
713‐244‐3030 l Cell: 713‐553‐0728 l Fax: 713‐513‐5669 l jeff@greenfinancialgrp.com l greenfinancialgrp.com
_____________________________________________________________________________________________
Jeff Green is a financial advisor with, and offers securities through, Raymond James Financial Services, Inc.,
member FINRA/SIPC. KBR/CVX is not affiliated with nor endorses RJFS.