List 10
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The document defines key terms related to compensation: - Salary is the pay received yearly by professionals, and examples given include asking about salary during a job interview and a lawyer receiving a large salary. - Wage is the pay received hourly or weekly, with examples of Minnesota's $8 minimum wage and wages going up after a year. - Deduction is an amount taken out of total pay, with examples being taxes and health insurance being large deductions taken from paychecks.
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The state of the State Pension
A slideshow for the CIPP explaining what is happening with the State Pension and what we can do to make sure we get our pension paid in full
Ives town hall ppt 07.23.13
This document summarizes Illinois' fiscal situation and recent budget debates. It notes that while the FY2013 budget was based on one-time revenues, the FY2014 budget maintains the same spending levels. It expresses concerns that this does not prepare for lower revenues in FY2015. The document also discusses Illinois' massive pension debt and underfunding, as well as the state's poor economic growth and job losses compared to other states. It advocates pension reform and policies to promote business growth and job creation in order to improve Illinois' fiscal health.
Ives town hall ppt 07.23.13
This document summarizes Illinois' fiscal situation and recent budget debates. It notes that while the FY2013 budget was based on one-time revenues, the FY2014 budget maintains the same spending levels. It expresses concerns that this does not prepare for lower revenues in FY2015. The document also discusses Illinois' massive pension debt and underfunding, as well as the state's poor economic growth and job losses compared to other states. It advocates pension reform and policies to promote business growth and job creation in order to address Illinois' fiscal challenges.
2007 Social Security Consumer Math
Social Security is a federal program that taxes workers' payroll to provide income support for the elderly and disabled. It began in 1935 during the Great Depression to provide support for the elderly. Workers and employers pay payroll taxes that fund current retirees' benefits in a pay-as-you-go system. Nearly half of elderly Americans rely on Social Security for most of their income. The program faces long-term financing issues if changes are not made.
2007 Social Security Consumer Math
Social Security is a federal program that taxes workers' payroll to provide income support for the elderly and disabled. It began in 1935 during the Great Depression to provide support for the elderly. Workers and employers pay payroll taxes that fund current retirees' benefits in a pay-as-you-go system. Nearly half of elderly Americans rely on Social Security for most of their income. Actuaries estimate future needs by reviewing past demographic and economic trends.
Pension PlayPen coffee morning ht.pptx
This document summarizes 6 pension issues that should be concerning:
1) Inflation and its impact on current and future pensioners.
2) The case for retail collective defined contribution pensions.
3) Creating a value for money measure the public can understand.
4) Where additional voluntary contributions still make sense in the Local Government Pension Scheme.
5) The 655,000 economically inactive older workers.
6) Whether Russia has undermined environmental, social, and governance investing.
Basis for beveridge 2.0
This document contains summaries of presentations given by Dr. Nigel Wilson, the CEO of Legal & General Group. It discusses the success of the UK's auto-enrollment pension system and proposes next steps to improve it. It also outlines Legal & General's investments in areas like housing, infrastructure, and healthcare and argues these investments provide long-term returns while creating social benefits. Finally, it proposes expanding auto-enrollment to include income protection insurance in order to provide greater financial security.
The politics of superannuation
I reflect on government reforms and rhetoric surrounding Australia’s c.$2.3 trillion retirement savings sector.
Recommended
The state of the State Pension
A slideshow for the CIPP explaining what is happening with the State Pension and what we can do to make sure we get our pension paid in full
Ives town hall ppt 07.23.13
This document summarizes Illinois' fiscal situation and recent budget debates. It notes that while the FY2013 budget was based on one-time revenues, the FY2014 budget maintains the same spending levels. It expresses concerns that this does not prepare for lower revenues in FY2015. The document also discusses Illinois' massive pension debt and underfunding, as well as the state's poor economic growth and job losses compared to other states. It advocates pension reform and policies to promote business growth and job creation in order to improve Illinois' fiscal health.
Ives town hall ppt 07.23.13
This document summarizes Illinois' fiscal situation and recent budget debates. It notes that while the FY2013 budget was based on one-time revenues, the FY2014 budget maintains the same spending levels. It expresses concerns that this does not prepare for lower revenues in FY2015. The document also discusses Illinois' massive pension debt and underfunding, as well as the state's poor economic growth and job losses compared to other states. It advocates pension reform and policies to promote business growth and job creation in order to address Illinois' fiscal challenges.
2007 Social Security Consumer Math
Social Security is a federal program that taxes workers' payroll to provide income support for the elderly and disabled. It began in 1935 during the Great Depression to provide support for the elderly. Workers and employers pay payroll taxes that fund current retirees' benefits in a pay-as-you-go system. Nearly half of elderly Americans rely on Social Security for most of their income. The program faces long-term financing issues if changes are not made.
2007 Social Security Consumer Math
Social Security is a federal program that taxes workers' payroll to provide income support for the elderly and disabled. It began in 1935 during the Great Depression to provide support for the elderly. Workers and employers pay payroll taxes that fund current retirees' benefits in a pay-as-you-go system. Nearly half of elderly Americans rely on Social Security for most of their income. Actuaries estimate future needs by reviewing past demographic and economic trends.
Pension PlayPen coffee morning ht.pptx
This document summarizes 6 pension issues that should be concerning:
1) Inflation and its impact on current and future pensioners.
2) The case for retail collective defined contribution pensions.
3) Creating a value for money measure the public can understand.
4) Where additional voluntary contributions still make sense in the Local Government Pension Scheme.
5) The 655,000 economically inactive older workers.
6) Whether Russia has undermined environmental, social, and governance investing.
Basis for beveridge 2.0
This document contains summaries of presentations given by Dr. Nigel Wilson, the CEO of Legal & General Group. It discusses the success of the UK's auto-enrollment pension system and proposes next steps to improve it. It also outlines Legal & General's investments in areas like housing, infrastructure, and healthcare and argues these investments provide long-term returns while creating social benefits. Finally, it proposes expanding auto-enrollment to include income protection insurance in order to provide greater financial security.
The politics of superannuation
I reflect on government reforms and rhetoric surrounding Australia’s c.$2.3 trillion retirement savings sector.
PPI the uk-pensions-framework-showcase-slides
PPI - UK Pensions Framework
It's the Pension Policy Institute's's 20th birthday this year and it has marked that achievement with the creation of a new pension framework. This is how the PPI publicises it.
Purpose
The PPI’s UK Pensions Framework aims to support the development of the future of
pensions policy by allowing stakeholders a coordinated and holistic view of changes across
the system for the first time. The Framework also goes beyond a one-dimensional view of
changes by showing how policy reforms are affecting key parties, what secondary effects
may occur and where trade-offs might exist.
Measures - adequacy, sustainability and fairness
The framework analysis is structured around three interdependent objectives, each of
which is integral to the overall goal of the pension system - helping people to achieve
financial security in later life. They are adequacy, sustainability and fairness.
Design Principles
This publication sets out the design principles of the framework and the process by which
it was constructed. The process included consultation with over 70 key pensions policy
stakeholders. Next year, the PPI will publish the first edition of the UK Pensions
Framework, setting out full analysis of how the UK pension system is working to support
retirement outcomes that are adequate, sustainable and fair.
Use
From thereon, the framework will be a dynamic instrument, tracking changes each year
and simulating the effect of potential shifts or reforms on the system. The analysis will
provide policy-makers a comprehensive understanding of how each potential change might affect other elements of the system, and ultimately the experiences that people in the UK have in later life.”
There is a detailed report as to how their Pension Franework came into being which you can download from here.
I'm proud to have been one of 70 people who the PPI called on for input in this over 2021, I look forward to seeing it in use next year and will be relying on it for future blogs.
Happy 20th anniversary PPI!
What do passive managers do all day?
The document summarizes a study examining the stewardship activities of the "Big Three" index funds - BlackRock, Vanguard, and State Street Global Advisors. The study finds that while index funds have the potential to be effective stewards due to their large ownership stakes, their stewardship efforts are limited by agency problems. Specifically, the Big Three devote minimal resources to stewardship and engage with a small minority of portfolio companies. Their focus on governance principles over performance and director qualifications may not be optimal for investors. Overall, the evidence is consistent with index fund stewardship being influenced by incentives to under-invest in stewardship and defer excessively to corporate managers.
Budget update & reaction – what this means
The thoughts of the Pension PlayPen on how the budget will impact payroll, pensions and auto-enrolment
Kathleen Nolan: "Medicaid Undone? Covering the Safety Net’s New Future" 7.26.17
Kathleen Nolan's slides from the Center for Health Journalism webinar, "Medicaid Undone? Covering the Safety Net’s New Future," 7.26.17
More info: https://www.centerforhealthjournalism.org/content/medicaid-undone-covering-safety-nets-new-future
Regulating for climate risk
The document discusses new regulations in the UK requiring pension funds to consider climate-related financial risks and opportunities when setting investment strategies. Trustees will need to publish disclosures on their approach by 2022. Climate change poses far-reaching financial risks to investments from physical impacts and the transition to a low-carbon economy. Pension schemes can be affected through impacts on asset values and sponsoring companies. The Pensions Regulator will review whether schemes are properly considering climate change risks in line with their duties.
Ht talk to ifoa dj ht fin v3
The document discusses how to help people make good financial decisions through engaging, educating, and empowering them. It presents the "three E's" approach of first engaging people through face-to-face interactions. Once engaged, the next step is to educate people using clear, simple explanations. The final step is to empower people by providing helpful guidance to take action. Specific examples are provided of how to educate people about minimizing taxes when drawing from a pension and how to use a "tax muppetometer" tool to help people decide how best to withdraw funds from their pension pot. The overall goal is to give people the confidence and ability to make good financial choices.
Obama
The Obama stimulus bill was based on assumptions that unemployment would decline more quickly due to stimulus spending. However, unemployment remained high and the national debt increased. Two key assumptions - that the "green jobs" program would help Americans save energy and the overall stimulus would soften the recession - proved incorrect. Contractors were unprepared for weatherization jobs and the stimulus only provided temporary relief rather than stimulating sustained economic growth. Longitudinal studies should have been used to better evaluate the assumptions and potential outcomes of the stimulus proposals.
Sac bee quote jan 14 2013
Many workers were surprised to see their paychecks shrink by 2% or more in January due to the expiration of a temporary cut to payroll taxes. While income taxes were largely unchanged, Congress allowed the payroll tax cut for Social Security and Medicare to expire. This will cost the average family making $50,000 an extra $1,000 per year and curb economic growth in 2013. While necessary to shore up Social Security and Medicare finances, the tax increase comes at a time when wages have barely kept up with inflation for most Americans.
The Problem With Aging
The document discusses several trends related to aging populations in the US. It notes that two-thirds of all people who have lived to age 65 are alive today, and the fastest growing age group is those over 85. It also discusses people's perceptions of when old age begins versus their actual age, and how between 2004-2020 the over-50 population will grow much faster than the under-50 population. The document outlines several challenges facing retired populations like outliving savings and rising healthcare costs.
Kentucky Cash Balance Hotline
The document summarizes and critiques recommendations made by the Pew Center on the States and the Laura and John Arnold Foundation to reform Kentucky's public pension system. It argues that their recommendations fail to achieve the three goals they set out: [1] reducing the pension funding gap, [2] creating a sustainable plan, and [3] ensuring the system can recruit and retain talented workers. Specifically, it claims their proposals do nothing to prevent future funding shortfalls, underestimate costs which could make the plan unsustainable, and shift more risk and uncertainty onto employees in a way that could hurt recruitment and retention.
What's happening with pensions
The document discusses issues with the UK's pension system, including problems with pension taxation rules. It outlines three options the government could take to address taxation issues: tweaking the current rules, moving to a flat-rate system, or adopting an ISA-style system. It also discusses using technology to help people better manage pensions, such as consolidating pots, choosing investments, and creating retirement plans. The document raises questions about whether taxation issues can be solved, whether savers can be taught to invest, whether people really want pension freedoms, and whether technology can help restore confidence in pensions.
Unit 18b Age pension
The document discusses the Age Pension provided by the Australian government for elderly citizens with low assets and income. It notes that currently around 75% of retired Australians receive some Age Pension benefits. However, the government wants to encourage financial independence in retirement through superannuation as the population ages. The Age Pension is intended as a safety net for only the poorest 10-20% in the future. Eligibility for the Age Pension is outlined based on age, assets, and income thresholds. Receiving even a small Age Pension payment provides additional benefits like concession cards that reduce costs for items like property rates, utilities, transportation and medications. The document cautions about deeming rates applied to investments and gifting rules
Anthony Sparks- gov't shutdown
The U.S. federal government is struggling to avoid a shutdown as the White House and Congress have not reached a budget deal. The large national debt of $13.7 trillion, which would not be paid off even if a penny was earned every 5 minutes since the Big Bang, is a major factor. Due to a lack of revenue, the government has been borrowing money from China to avoid shutdowns. However, this debt to China could allow them to control the U.S. economy and foreign policy if they cut off loans in the future. The government must address this serious economic issue to avoid worse problems than a shutdown.
10 Hidden Tax Deductions You Might Be Missing
Each year, millions of dollar in tax deductions and credits go unclaimed. Make sure you never pay more taxes than you need to by using these credits and deductions.
Property Tax Relief for Older Adults
The document discusses property tax relief programs for older adults and individuals with disabilities in Missoula, Montana, including the 2EC tax credit program, the Property Tax Assistance Program (PTAP), and the Montana Disabled Veteran (MDV) Program. It provides eligibility requirements and income guidelines for each program. The Resource Center at Missoula Aging Services can help individuals determine if they qualify for property tax relief and connect them with additional resources.
Unit 19e Enduring power of attorney
This document discusses enduring power of attorney and its importance for financial planning. It describes a scenario where a spouse is incapacitated from an accident and the other spouse is unable to access joint investments and pay medical bills without authorization. It recommends establishing an enduring power of attorney with a solicitor to grant permission for a spouse or trusted person to manage finances even if mentally incapacitated, such as from an accident or illness. This helps couples access needed funds in emergencies and the elderly plan for potential mental incapacity.
Congress Heard from Us
The mounting national debt is getting harder for Congress to ignore and lawmakers are turning to us for advice. Committee for a Responsible Federal Budget (CRFB) co-chair Mitch Daniels, Campaign to Fix the Debt co-chair Judd Gregg, and Fix the Debt steering committee and CRFB board member Alice Rivlin testified before the Joint Economic Committee of Congress on the national debt on September 8.
Social Security Statement Estimated Benefits Easily Accessible Online
Keith Towns serves as head of Emerge Financial Group and provides knowledgeable individual and small business consulting solutions. Maintaining Northern California offices in Oakland and Suisun City as well as a newly opened Houston office, Keith Towns has extensive knowledge of retirement planning and the Social Security system.
Michele Lueck's presentation to the 2011 Culture of Data conference
This document discusses how the Colorado Health Institute (CHI) has invested in data and technology to improve health in Colorado. It notes that CHI is a leading source of health information that informs policy and supports state efforts. It describes CHI's large investments in an All Payer Claims Database, electronic medical records, and the health insurance exchange. The document concludes by discussing the promise of initiatives like medical homes and accountable care organizations, but notes these require cultural changes like new care team models and payment reform to be fully realized.
Showdown ppt final
This powerpoint reviews what’s at stake in the Budget showdown with clear slides and narrative. It reviews the four principles progressives have joined together to fight for and action steps you can take get involved and make a difference.
Your social security_statement
This document is a summary of an individual's Social Security statement. It provides estimates of their Social Security benefits based on their lifetime earnings record. It notes that the individual has already filed for and is receiving benefits. It also provides information about Social Security retirement, disability, family and survivor benefits. Additionally, it discusses factors that could impact estimated benefits and encourages the individual to review their earnings record for accuracy.
Your social security_statement
This document is a summary of an individual's Social Security statement. It provides estimates of their Social Security benefits based on their lifetime earnings record. It notes that the individual has already filed for and is receiving benefits. It also provides information about Social Security retirement, disability, family and survivor benefits. Additionally, it discusses factors that could impact estimated benefits and encourages the individual to review their earnings record for accuracy.
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What's hot
PPI the uk-pensions-framework-showcase-slides
PPI - UK Pensions Framework
It's the Pension Policy Institute's's 20th birthday this year and it has marked that achievement with the creation of a new pension framework. This is how the PPI publicises it.
Purpose
The PPI’s UK Pensions Framework aims to support the development of the future of
pensions policy by allowing stakeholders a coordinated and holistic view of changes across
the system for the first time. The Framework also goes beyond a one-dimensional view of
changes by showing how policy reforms are affecting key parties, what secondary effects
may occur and where trade-offs might exist.
Measures - adequacy, sustainability and fairness
The framework analysis is structured around three interdependent objectives, each of
which is integral to the overall goal of the pension system - helping people to achieve
financial security in later life. They are adequacy, sustainability and fairness.
Design Principles
This publication sets out the design principles of the framework and the process by which
it was constructed. The process included consultation with over 70 key pensions policy
stakeholders. Next year, the PPI will publish the first edition of the UK Pensions
Framework, setting out full analysis of how the UK pension system is working to support
retirement outcomes that are adequate, sustainable and fair.
Use
From thereon, the framework will be a dynamic instrument, tracking changes each year
and simulating the effect of potential shifts or reforms on the system. The analysis will
provide policy-makers a comprehensive understanding of how each potential change might affect other elements of the system, and ultimately the experiences that people in the UK have in later life.”
There is a detailed report as to how their Pension Franework came into being which you can download from here.
I'm proud to have been one of 70 people who the PPI called on for input in this over 2021, I look forward to seeing it in use next year and will be relying on it for future blogs.
Happy 20th anniversary PPI!
What do passive managers do all day?
The document summarizes a study examining the stewardship activities of the "Big Three" index funds - BlackRock, Vanguard, and State Street Global Advisors. The study finds that while index funds have the potential to be effective stewards due to their large ownership stakes, their stewardship efforts are limited by agency problems. Specifically, the Big Three devote minimal resources to stewardship and engage with a small minority of portfolio companies. Their focus on governance principles over performance and director qualifications may not be optimal for investors. Overall, the evidence is consistent with index fund stewardship being influenced by incentives to under-invest in stewardship and defer excessively to corporate managers.
Budget update & reaction – what this means
The thoughts of the Pension PlayPen on how the budget will impact payroll, pensions and auto-enrolment
Kathleen Nolan: "Medicaid Undone? Covering the Safety Net’s New Future" 7.26.17
Kathleen Nolan's slides from the Center for Health Journalism webinar, "Medicaid Undone? Covering the Safety Net’s New Future," 7.26.17
More info: https://www.centerforhealthjournalism.org/content/medicaid-undone-covering-safety-nets-new-future
Regulating for climate risk
The document discusses new regulations in the UK requiring pension funds to consider climate-related financial risks and opportunities when setting investment strategies. Trustees will need to publish disclosures on their approach by 2022. Climate change poses far-reaching financial risks to investments from physical impacts and the transition to a low-carbon economy. Pension schemes can be affected through impacts on asset values and sponsoring companies. The Pensions Regulator will review whether schemes are properly considering climate change risks in line with their duties.
Ht talk to ifoa dj ht fin v3
The document discusses how to help people make good financial decisions through engaging, educating, and empowering them. It presents the "three E's" approach of first engaging people through face-to-face interactions. Once engaged, the next step is to educate people using clear, simple explanations. The final step is to empower people by providing helpful guidance to take action. Specific examples are provided of how to educate people about minimizing taxes when drawing from a pension and how to use a "tax muppetometer" tool to help people decide how best to withdraw funds from their pension pot. The overall goal is to give people the confidence and ability to make good financial choices.
Obama
The Obama stimulus bill was based on assumptions that unemployment would decline more quickly due to stimulus spending. However, unemployment remained high and the national debt increased. Two key assumptions - that the "green jobs" program would help Americans save energy and the overall stimulus would soften the recession - proved incorrect. Contractors were unprepared for weatherization jobs and the stimulus only provided temporary relief rather than stimulating sustained economic growth. Longitudinal studies should have been used to better evaluate the assumptions and potential outcomes of the stimulus proposals.
Sac bee quote jan 14 2013
Many workers were surprised to see their paychecks shrink by 2% or more in January due to the expiration of a temporary cut to payroll taxes. While income taxes were largely unchanged, Congress allowed the payroll tax cut for Social Security and Medicare to expire. This will cost the average family making $50,000 an extra $1,000 per year and curb economic growth in 2013. While necessary to shore up Social Security and Medicare finances, the tax increase comes at a time when wages have barely kept up with inflation for most Americans.
The Problem With Aging
The document discusses several trends related to aging populations in the US. It notes that two-thirds of all people who have lived to age 65 are alive today, and the fastest growing age group is those over 85. It also discusses people's perceptions of when old age begins versus their actual age, and how between 2004-2020 the over-50 population will grow much faster than the under-50 population. The document outlines several challenges facing retired populations like outliving savings and rising healthcare costs.
Kentucky Cash Balance Hotline
The document summarizes and critiques recommendations made by the Pew Center on the States and the Laura and John Arnold Foundation to reform Kentucky's public pension system. It argues that their recommendations fail to achieve the three goals they set out: [1] reducing the pension funding gap, [2] creating a sustainable plan, and [3] ensuring the system can recruit and retain talented workers. Specifically, it claims their proposals do nothing to prevent future funding shortfalls, underestimate costs which could make the plan unsustainable, and shift more risk and uncertainty onto employees in a way that could hurt recruitment and retention.
What's happening with pensions
The document discusses issues with the UK's pension system, including problems with pension taxation rules. It outlines three options the government could take to address taxation issues: tweaking the current rules, moving to a flat-rate system, or adopting an ISA-style system. It also discusses using technology to help people better manage pensions, such as consolidating pots, choosing investments, and creating retirement plans. The document raises questions about whether taxation issues can be solved, whether savers can be taught to invest, whether people really want pension freedoms, and whether technology can help restore confidence in pensions.
Unit 18b Age pension
The document discusses the Age Pension provided by the Australian government for elderly citizens with low assets and income. It notes that currently around 75% of retired Australians receive some Age Pension benefits. However, the government wants to encourage financial independence in retirement through superannuation as the population ages. The Age Pension is intended as a safety net for only the poorest 10-20% in the future. Eligibility for the Age Pension is outlined based on age, assets, and income thresholds. Receiving even a small Age Pension payment provides additional benefits like concession cards that reduce costs for items like property rates, utilities, transportation and medications. The document cautions about deeming rates applied to investments and gifting rules
Anthony Sparks- gov't shutdown
The U.S. federal government is struggling to avoid a shutdown as the White House and Congress have not reached a budget deal. The large national debt of $13.7 trillion, which would not be paid off even if a penny was earned every 5 minutes since the Big Bang, is a major factor. Due to a lack of revenue, the government has been borrowing money from China to avoid shutdowns. However, this debt to China could allow them to control the U.S. economy and foreign policy if they cut off loans in the future. The government must address this serious economic issue to avoid worse problems than a shutdown.
10 Hidden Tax Deductions You Might Be Missing
Each year, millions of dollar in tax deductions and credits go unclaimed. Make sure you never pay more taxes than you need to by using these credits and deductions.
Property Tax Relief for Older Adults
The document discusses property tax relief programs for older adults and individuals with disabilities in Missoula, Montana, including the 2EC tax credit program, the Property Tax Assistance Program (PTAP), and the Montana Disabled Veteran (MDV) Program. It provides eligibility requirements and income guidelines for each program. The Resource Center at Missoula Aging Services can help individuals determine if they qualify for property tax relief and connect them with additional resources.
Unit 19e Enduring power of attorney
This document discusses enduring power of attorney and its importance for financial planning. It describes a scenario where a spouse is incapacitated from an accident and the other spouse is unable to access joint investments and pay medical bills without authorization. It recommends establishing an enduring power of attorney with a solicitor to grant permission for a spouse or trusted person to manage finances even if mentally incapacitated, such as from an accident or illness. This helps couples access needed funds in emergencies and the elderly plan for potential mental incapacity.
Congress Heard from Us
The mounting national debt is getting harder for Congress to ignore and lawmakers are turning to us for advice. Committee for a Responsible Federal Budget (CRFB) co-chair Mitch Daniels, Campaign to Fix the Debt co-chair Judd Gregg, and Fix the Debt steering committee and CRFB board member Alice Rivlin testified before the Joint Economic Committee of Congress on the national debt on September 8.
Social Security Statement Estimated Benefits Easily Accessible Online
Keith Towns serves as head of Emerge Financial Group and provides knowledgeable individual and small business consulting solutions. Maintaining Northern California offices in Oakland and Suisun City as well as a newly opened Houston office, Keith Towns has extensive knowledge of retirement planning and the Social Security system.
Michele Lueck's presentation to the 2011 Culture of Data conference
This document discusses how the Colorado Health Institute (CHI) has invested in data and technology to improve health in Colorado. It notes that CHI is a leading source of health information that informs policy and supports state efforts. It describes CHI's large investments in an All Payer Claims Database, electronic medical records, and the health insurance exchange. The document concludes by discussing the promise of initiatives like medical homes and accountable care organizations, but notes these require cultural changes like new care team models and payment reform to be fully realized.
Showdown ppt final
This powerpoint reviews what’s at stake in the Budget showdown with clear slides and narrative. It reviews the four principles progressives have joined together to fight for and action steps you can take get involved and make a difference.
What's hot (20)
Kathleen Nolan: "Medicaid Undone? Covering the Safety Net’s New Future" 7.26.17
Kathleen Nolan: "Medicaid Undone? Covering the Safety Net’s New Future" 7.26.17
Social Security Statement Estimated Benefits Easily Accessible Online
Social Security Statement Estimated Benefits Easily Accessible Online
Michele Lueck's presentation to the 2011 Culture of Data conference
Michele Lueck's presentation to the 2011 Culture of Data conference
Similar to List 10
Your social security_statement
This document is a summary of an individual's Social Security statement. It provides estimates of their Social Security benefits based on their lifetime earnings record. It notes that the individual has already filed for and is receiving benefits. It also provides information about Social Security retirement, disability, family and survivor benefits. Additionally, it discusses factors that could impact estimated benefits and encourages the individual to review their earnings record for accuracy.
Your social security_statement
This document is a summary of an individual's Social Security statement. It provides estimates of their Social Security benefits based on their lifetime earnings record. It notes that the individual has already filed for and is receiving benefits. It also provides information about Social Security retirement, disability, family and survivor benefits. Additionally, it discusses factors that could impact estimated benefits and encourages the individual to review their earnings record for accuracy.
Neil Good January Newsletter
The Social Security Administration announced a 1.7% cost-of-living adjustment for 2013 benefits, one of the lowest increases since 1975. This will increase the average monthly retirement benefit from $1,240 to $1,261. The maximum taxable earnings also increased slightly. Involving an attorney early in the disability claims process can improve chances of approval, as initial claims have around a 63% denial rate. Common medical conditions like musculoskeletal disorders and mental illnesses are most likely to be awarded disability benefits.
Taxes and your pay stub
The document discusses how tax dollars are spent by the federal government, with the top three categories being health care like Medicare and Medicaid, Social Security, and national defense. It asks follow up questions about whether readers are surprised by this spending allocation, how they would adjust it, and how spending has evolved over the past 100 years. Readers are also asked to predict the top three spending categories in ten years.
Ssstatement
This document is a summary of 3 key points from a Social Security benefits statement:
1. The statement provides the recipient's earnings record and estimates of retirement, disability, and survivor benefits based on their lifetime earnings and current law. It notes that actual benefits may differ depending on future earnings.
2. The statement emphasizes the importance of reviewing the earnings record for accuracy and contacting Social Security right away if any errors are found. An accurate earnings record is crucial for determining benefit amounts.
3. Additional information is provided about eligibility for benefits depending on factors like age, disability status, family situation. The statement also notes other programs like Medicare and options to receive benefits while continuing to work before full retirement age.
Unit 7e Putting money into superannuation
This document discusses different ways to contribute money to a superannuation fund in Australia. It outlines that employers are required to contribute 9% of an employee's salary. It also discusses salary sacrificing which allows employees to contribute extra money pre-tax. Personal contributions can be made after-tax. The government offers co-contributions of up to $1000 for personal contributions if eligibility criteria are met such as earning wages and submitting a tax return.
socialsecurity.mb
This document is a Social Security statement that provides Mark Bizzelle with information about his estimated Social Security benefits, earnings record, and facts about Social Security. It estimates that Mark has paid over $11,000 in Social Security taxes and over $2,000 in Medicare taxes based on his reported earnings. It also notes that his actual benefits may differ from the estimates depending on future earnings. The statement encourages Mark to review his earnings record for accuracy and contact Social Security if he sees any mistakes.
socialsecurity.mb
This document is a Social Security statement that provides Mark Bizzelle with information about his estimated Social Security benefits, earnings record, and important facts about Social Security. It estimates that Mark has paid over $11,000 in Social Security taxes and $2,700 in Medicare taxes based on his recorded earnings. The statement notes that benefit estimates may differ from actual benefits due to future earnings changes, cost of living adjustments, or changes to the law. It also explains provisions like the Windfall Elimination Provision that could impact Mark's benefits. The statement encourages Mark to review his earnings record for accuracy and completeness.
socialsecurity.mb
This document is a Social Security statement that provides Mark Bizzelle with information about his estimated Social Security benefits, earnings record, and facts about Social Security. It estimates that Mark has paid over $11,000 in Social Security taxes and $2,700 in Medicare taxes based on his reported earnings. The statement notes that benefit estimates may differ from actual benefits due to future earnings changes, cost of living adjustments, and eligibility for other pensions. It also explains provisions that could reduce benefits, such as the Windfall Elimination Provision and Government Pension Offset. The statement advises Mark to check the accuracy of his earnings record reported.
socialsecurity.mb
This document is a summary of a Social Security benefits statement. It provides 3 key pieces of information:
1. It estimates the recipient's Social Security benefits based on their lifetime earnings record. However, it notes the recipient has already filed for benefits, so actual benefits will depend on the initial determination.
2. It outlines other Social Security benefits like disability and survivors benefits that may be available based on the recipient's work history and family situation.
3. It provides information about ensuring the accuracy of the recipient's earnings record and encourages reviewing it carefully against personal records. Any discrepancies should be reported.
socialsecurity.mb
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Personal Financial Success Seminar
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- SEC now requires companies to disclose the ratio between CEO and median worker pay annually.
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- In contrast, the average retirement fund for a typical worker at Yum Brands (Taco Bell, Pizza Hut, KFC) is just $70,167,
Net income(ch2)
Okay, here are the steps:
1) Federal tax withholding (from tables): $36
2) Social Security tax (6.2% of $628): $38.93
3) Medicare tax (1.45% of $628): $9.11
4) Medical insurance: $28
5) Union dues: $12
Total deductions: $36 + $38.93 + $9.11 + $28 + $12 = $124.04
Net pay: $628 - $124.04 = $503.96
So the deductions are $124.04 and the net pay is $503.96.
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List 10
- 1. List 10 salary wage deduction salary – noun; the pay that professionalpeople receive every year At his job interview Jack asked aboutthe salary and benefits. The lawyer was paid a hugesalary. Whatdo you think the president’ssalary is? wage – noun; the pay that someone earns every hour or every week The minimum wagein Minnesota is $8.00 an hour. Her wages will go up after one year. Whatkind of jobsmake the minimum wage? deduction – noun; the amounttaken out of the total The biggest deduction on my paycheck is for federal taxes. The deduction for health insuranceis also very large. Do you think the governmentshould take deductionsfor taxesout of your paycheck?
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