The Kevin Trudeau Show: 11-17-12

November 17, 2012 by admin
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Today, Kevin explains how if your thinking is right and you’re not a fanatic, you will live a long healthy life.

Self Help:
Grass Fed Meat & Poultry
KT’s Daily Supplement Program
Change Your DNA Vibration

Health:
How Safe Are the Drugs in Your Medicine Cabinet?
Diet Sabotage: Nearly 1 In 5 Calorie Counts Wrong
Night Owls At Risk For Weight Gain
Butter & Cheese ‘Doesn’t Increase Risk of Heart Attacks’
Can Coffee Prevent Cancer?
Fluoride Consumption Leads to Brain Damage

Wealth:
Wells Fargo Fined $85 Million for Pushing Subprime Loans

Everything Kevin:
Become An Insider!
Stand with KT!
Kevin is on YouTube!
Sign Up For Kevin’s FREE Podcast
Follow Kevin on Twitter
Become A Fan of Kevin on Facebook

Take Trudeau on the Go! Click here to download this show to your iPod, mp3 player, or PC through iTunes!

Click below to watch the Kevin Trudeau Show!

Tags: Big Pharma, brain damage, Breakfast, butter, cancer, career, cheese, chemo, civil charges, Coffee, consumption, contradiction, daily, dairy, Dinar, dinner, drugs, fanatic, fat, fluoride, Health, heart, Iraq, juice, law of attraction, Lunch, menu, minerals, mortgage, motivation, Nutrition, obese, prayer, processed foods, prostate cancer, psychiatrist, rich, side effects, study, supplements, think and grow rich, thinking, thoughts, Vitamin D3, vitamins, walk, Wells Fargo, work, Your Wish Is Your Command

The Kevin Trudeau Show: 9-22-12

September 22, 2012 by admin
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Today, Kevin explains how if your thinking is right and you’re not a fanatic, you will live a long healthy life.

Self Help:
Grass Fed Meat & Poultry
KT’s Daily Supplement Program
Change Your DNA Vibration

Wealth:
Wells Fargo Fined $85 Million for Pushing Subprime Loans

Everything Kevin:
Become An Insider!
Stand with KT!
Kevin is on YouTube!
Sign Up For Kevin’s FREE Podcast
Follow Kevin on Twitter
Become A Fan of Kevin on Facebook
Kevin’s Film Club
Kevin’s Book Club

Take Trudeau on the Go! Click here to download this show to your iPod, mp3 player, or PC through iTunes!

Click below to watch the Kevin Trudeau Show!

The Kevin Trudeau Show: 9-15-12

September 15, 2012 by admin
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Today, Kevin gives you a story from the ‘Obama was wrong’ file and gives you a few tips on how to make a good first impression when applying for a job.

Self Help:
Change The Way You Think

Health:
Low Salt Diet Actually Increases Your Risk Of Heart Attack

Government:
Local Ice Cream Makers Face Shutdown By State
Illinois Shutting Down Ice Cream Maker For Using Fresh Fruit
How Much Does Michelle Obama Spend on Vacations With Taxpayer Money?
Worker Paid For 12 Years Without Ever Showing Up!

Wealth:
U.S. Economy Fails to Add Jobs

Sci-fi:
UFO Sightings Increase 67 Percent

Everything Kevin:
Become An Insider!
Support Kevin!
Kevin is on YouTube!
Sign Up For Kevin’s FREE Podcast
Follow Kevin on Twitter
Become A Fan of Kevin on Facebook
Kevin’s Film Club
Kevin’s Book Club

Take Trudeau on the Go! Click here to download this show to your iPod, mp3 player, or PC through iTunes!

Click below to watch The Kevin Trudeau Show!

Tags: aliens, applying, Barack Obama, benefits, Bible, California, career, Christianity, cover letter, daily, diet, economy, employer, envelope, extraterrestrials, fail, fired, first impressions, fresh, fruit, Government, government worker, heart, heart attack, heart disease, ice cream, jobs, karma, law of attraction, local, Longevity Now Conference, Michelle Obama, paid, rates, resume, Salt, school teacher, Sea Salt, sightings, taxes, taxpayer, twelve, UFO, unemployment, vacation, Wealth, years

The Kevin Trudeau Show: 6-23-12

June 23, 2012 by admin
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Today, Kevin explains how the media is only there to distract you from the real issues. Plus, friend of the show, Fred Van Liew, stops by to give you the facts behind electromagnetic chaos and how it is virtually killing you and your children.

Self Help:
Diversify Your Income
Change The Way You Think

Media:
TV Tells Kids Fame Is Most Important Thing In Life

Conspiracy:
Whistleblower Found Dead!

Take Trudeau on the Go! Click here to download this show to your iPod, mp3 player, or PC through iTunes!

Click below to watch the Kevin Trudeau Show!

Tags: Abbot, affiliate program, articles, audios, banks, Blaine Athorn, brainwash, career, Casey Anthony, cell phone, cellular function, cellular towers, chaos, chihuahua, child, Coffee, computers, credit cards, dead, death, Dinar, earned, economy, eDot, electromagnetic chaos, ependant, ependantdeal, ewaterdeal, fame, family, FM, Fred Van Liew, GIN, global information network, HD-TV, headline news, headlines, home based business, important, Income, invest, Iraq, juror, kids, laptop, life, media, melanoma, microwaves, mlm, money, Murdoch, news, news outlets, opinion, opportunity, pregnant, propaganda, radiation, radio, rich, sacrifice, seminars, telephone, teleprompter, towers, trial, tv, waves, weather, whistleblower, wireless, worse, Your Wish Is Your Command, ywiyc

That Retirement Calculator May Be Lying to You

October 3, 2011 by admin
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October 3rd, 2011

Bloomberg

By: Carla Fried

Anyone who puts even minimal elbow grease into retirement planning is well aware of “the number,” the anxiety-producing seven-figure sum online calculators and financial advisers say you’ll need to enjoy a comfortable lifestyle after your career ends. There’s a far smaller number that deserves more attention now — the rate of return at the heart of that calculation.

According to Ibbotson data, the long-term annualized gain for the Standard & Poor’s 500-stock index dating back to 1926 is 9.9 percent. For bonds, it’s 5.4 percent. (From 1970 to 2010, the Barclays Capital Aggregate Bond index average was 8.3 percent.) Plug those numbers into a portfolio of 60 percent stocks and 40 percent bonds and the return is about 8 percent, which is precisely the number most financial planners — and retirement calculators — were using up until recently.

With bond yields at record lows and stock dividend yields less than half their long-term norm, however, expecting portfolios to deliver returns in line with those historical averages may be a dangerous assumption. Using lower return numbers and seeing a higher savings target emerge may be a harsh reality check, but better to grapple with it now than be shocked when there’s less time to ramp up savings or cut spending to remedy a shortfall.

Today many advisers are looking out a decade or so and lowering the rate of return they expect from stocks and bonds. Jon West, a director at Research Affiliates, which manages $50 billion, says the firm’s number crunching leads it to estimate that stocks could deliver 5 percent to 6 percent, and bonds 2 percent or so. That’s based on getting “at least 2 percent less from dividends,” anemic earnings growth, and no growth in the stock market’s price-earnings ratio, he says. It produces a return below 5 percent for a 60/40 portfolio. That’s a far cry from 8 percent.

Vanguard founder Jack Bogle has a slightly more upbeat assessment. He expects stock returns of 7 percent to 7.5 percent over the next decade. He assumes no expansion in the market’s price-earnings ratio, dividend yields of 2.2 percent, and earnings growth of at least 5 percent. Bogle expects bond returns to be about 3 percent. For a balanced portfolio, that produces a net nominal return of slightly more than 6 percent. A higher forecast is T. Rowe Price’s estimate of 7 percent; until this year it had used 8 percent.

Not-So-Happy Returns

Lower return expectations are a function of pretty straightforward math. Dividend income has historically played a large role in stocks’ total return. Dating back nearly 100 years, dividends have contributed slightly less than half (4.5 percentage points, to be exact) of the S&P 500′s 9.9 percent annualized total return. And since 1995 dividends have practically gone into witness protection, averaging about 2 percent.

The challenge for bond investors is today’s low yields. A bond’s total return comprises yield plus any changes in the underlying price of the bond. Bond prices rise when yields fall, and with the 10-year Treasury at a record low and the Barclays Capital Aggregate Bond index below 3 percent, there’s little room for prices to rise. So figure an annualized return below 3 percent for bonds over the next decade, says West.

More sober return realities aren’t reflected in all of the online retirement calculators. Some, such as ones offered by Principal Group and Yahoo! Finance, use 8 percent as the default rate. Others, including the AARP and Bloomberg calculators, default to 6 percent. The Labor Dept.’s calculator plugs in 5 percent. Vanguard’s gives savers a slider to play with that’s initially set at 5 percent. It labels 5 percent “conservative” and describes a return anywhere from 6 percent to 9 percent as “moderate.” That’s a mighty wide range.

Vanguard senior investment analyst Maria Bruno says the range gives users “flexibility” and is based on the different outcomes investors have experienced historically depending on whether they held only stocks, only bonds or combinations of the two. Because these are based on long-term data, “we don’t modify ranges like this in different types of market conditions,” she says.

Principal says in an e-mail that its 8 percent figure is based on a 10 to 30 year view of the market “which we believe is appropriate for long-term retirement savings.” When contacted, Yahoo Finance said it is reviewing the rates used on the site’s personal finance calculators.

Going to Monte Carlo

Online retirement calculators may also rely on what’s known as Monte Carlo simulations. Rather than choose one rate of return to base calculations on, Monte Carlo incorporates thousands of return scenarios that deviate from assumed benchmark rates of return based on different volatility scenarios, as well as assumed withdrawal scenarios for retirees. After the program runs the numbers, it gives a “success rate” showing the percentage of market scenarios where a saver arrived at the end of his life span and still had money. There are free calculators using Monte Carlo simulations at T. Rowe Price, Fidelity, and Schwab.

Monte Carlo simulations are useful but can have shortcomings. William Bernstein, a principal at Efficient Frontier Advisors and author of “The Investor’s Manifesto,” worries they can give a false sense of security since, for the most part, they assume normally distributed returns — not the dramatic market meltdowns of recent years. Fidelity’s calculator shows savers two probabilities: one that assumes the historical rates of return are borne out, and another shows how savers would fare if they had below-average outcomes.

If using any of the calculations shows that a savings goal needs to be hiked, one way to eke more return out of a portfolio is to focus on fees. Forking over 1 percent to 1.5 percent of your money each year to cover a mutual fund’s expense ratio may have been easy to overlook in the 1990s when the S&P 500′s annualized return was 18.2 percent. If returns are 6 percent or 7 percent over the next decade, a 1.5 percent expense ratio cuts a net return by about 25 percent.

“In this day and age, there’s simply no excuse for paying [an expense ratio of] more than 0.25 percent for a portfolio of U.S. stocks and bonds, and maybe 0.5 percent for a portfolio of foreign stocks,” says Bernstein.

Click here for the full report from Bloomberg

Tags: AARP, bonds, career, finance, financial, retirement, stocks, The S&P

The Kevin Trudeau Show: 9-2-11

September 2, 2011 by admin
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9 Comments

Today, Kevin gives you a story from the ‘Obama was wrong’ file and gives you a few tips on how to make a good first impression when applying for a job.

Self Help:
Change The Way You Think

Health:
Low Salt Diet Actually Increases Your Risk Of Heart Attack

Wealth:
U.S. Economy Fails to Add Jobs

Sci-fi:
UFO Sightings Increase 67 Percent

Take Trudeau on the Go! Click here to download this show to your iPod, mp3 player, or PC through iTunes!

Click below to watch The Kevin Trudeau Show!

Is the Welfare System Making Americans Incompetent?

August 23, 2011 by admin
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15 Comments

August 23rd, 2011

The Huffington Post

By: Janell Ross

Sasha Mandel says she never imagined going on welfare. But her plans for a career and the independence she craved ran headlong into a pair of unforeseen developments — an unplanned pregnancy at 18, and the worst job market since the Great Depression.

In April 2009, freshly unemployed and devoid of savings, Mandel reluctantly walked into a state office in Phoenix to apply for welfare. Her caseworker was sympathetic, swiftly arranging emergency food aid along with cash assistance. But she was also clear on the limits of that relief: Under the terms of Arizona’s welfare program, Mandel could draw a welfare check for no more than three years.

That timeframe was about to get shorter. This April, cash-strapped Arizona tightened the limit on welfare payments to two years. Mandel learned about the change when she received a letter from the state in June. She was only a few weeks away from exhausting her benefits.

“That letter,” she said, “it just said to me that they decided to change the rules when the game for single mothers is already really, really hard.”

Fifteen years after President Clinton joined with congressional Republicans and affixed his signature to a law that “ended welfare as we know it” — imposing a five-year time limit on federal cash assistance for poor families, while allowing states to set shorter limits — the social safety net is failing to keep pace with the needs of struggling Americans, many experts say. Millions of single mothers are falling through the cracks, scrambling to support their families with neither paychecks nor government aid.

Welfare reform, one of the hallmark events of the Clinton presidency, was supposed to be a healthy tradeoff: Single mothers who had grown dependent on government checks would instead go out and work. The federal government gave the states lump sums of money, known as block grants, to create programs that would prepare, prompt and push poor single mothers accustomed to living on welfare into the workforce, providing job training, resume-writing tutorials and subsidized child care.

But the time limits on cash aid were enacted in the mid-1990s, in the midst of one of the most vibrant job markets in modern times. Today, with nearly 14 million people officially out of work and jobseekers outnumbering available positions by more than four-to-one, the logic of those reforms is being overwhelmed by the reality of a stark shortage of paychecks, experts say.

“Today, everybody is expected to work,” said Sheila Zedlewski, an economist at the Urban Institute and co-author of an institute study released last week that examines the consequences of welfare reform during the recession. “The problem is finding a job is incredibly hard.”

Since the beginning of the recession in late 2007, the nation’s unemployment rate has increased by 88 percent, while welfare caseloads have grown just 14 percent, according to the Urban Institute report.

Experts say this disparity reflects the inadequacy of remaining welfare programs in the face of a veritable epidemic of joblessness. During a period of national distress, fewer and fewer people have been able to secure help to meet their basic needs, according to the report.

Between 2007 and 2010 — just as the economy was contracting and joblessness was rising, generating greater demand for public assistance — welfare caseloads dropped in 13 states, according to the Urban Institute report. In Arizona, which faced a particularly powerful blow to its finances in the form of a sustained plunge in housing prices, the welfare caseload dropped by 48 percent during that timeframe.

Many of those who advocated for ending welfare as an unlimited entitlement say the change has been beneficial — the share of single, never married mothers in the workforce climbed from 62.9 percent in 1996 to 72.4 percent a decade later, according to federal data.

“Poverty rates are still lower and work rates still higher than before welfare reform,” said Ron Haskins, who played a key role in shaping the policy as a senior Republican congressional adviser, and who is now co-director of the Brookings Center on Children and Families. “In that sense, welfare reform has been a success.”

But as Haskins acknowledges, the reforms have never managed to address the barriers confronting a small subset of welfare recipients with very limited education, significant physical and mental health problems, or unhealthy children, preventing them from entering the workforce.

The share of people who both live in poverty with no reported income and lack welfare assistance has changed significantly since welfare reform. In 1996, 1 in 8 single mothers fit this profile, according to Zedlewski. By 2008, the most recent year for which this data is available, that figure had climbed to 1 in 5, she said.

In the early days after welfare reform, many states enacted stricter time limits, Arizona included, and beefed up programs offering subsidized child care — a crucial component for single mothers required to work. The budget crisis assailing states has prompted many states to effectively roll back these programs.

States around the country are slashing cash benefits, reducing time limits and, in some cases, imposing strict work requirements on welfare applicants, said LaDonna Pavetti, an expert on welfare who works at the Center on Budget and Policy Priorities. The practices also make it very hard for parents already dealing with a job crisis, a disability or other complications to qualify for cash aid, she said.

In the 2000s, states also began shifting federal funds that could be used for cash benefits for single mothers to cover other costs. Some of the money went to cover the cost of child care or transportation assistance. But large shares were also used to fund state child welfare agencies, which frequently don’t get all the resources they need from states.

In 1997, the first year the reforms took effect in most states, Georgia used 73 percent of its federal welfare block grant to provide cash aid to poor families, according to data the state reported to the federal government. By 2009, the most recent year for which complete data is available, Georgia spent just 11 percent of its block grant on cash aid. Spending in Florida, Texas and Arizona plunged by similar margins.

The impact of these cuts is easy to discern: Far fewer poor families are being given cash assistance. In 2009, Georgia and Texas each provided cash aid to less than 10 percent of poor families, according to the Urban Institute report.

“You have so many people who were pushed off welfare who didn’t find work in the beginning, and today there are so many people who can’t get welfare at all,” said Peter Edelman, a Georgetown University law professor who resigned from a senior position in the Clinton administration to protest the President’s decision to sign welfare reform into law. “As an anti-recessionary tool, welfare as we know it today is useless.”

Edelman compares the paltry expansion of the nation’s welfare rolls during the recession — from about 3.9 million families in 2007 to about 4.4 million families in 2010 — to what happened to the food stamp program. During the same time period, food stamp program participation rose from about 30 million households to 44 million, reflecting real levels of economic need.

“What we’ve done is make things worse,” Edelman said. “There are now people who cannot find work, and who can not get welfare.”

Click here for the full report from The Huffington Post

Tags: arizona, career, clinton, Great Depression, independence, job market, jobless, jobs, poverty, President Clinton, Republicans, Sasha Mandel, single mother, unemployed, welfare, welfare payments, work, working

The Kevin Trudeau Show: 8-15-11

August 15, 2011 by admin
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Today, from a top secret location in Europe, Kevin explains the real reason behind the obesity epidemic in America. Plus, get out a pen and paper, Kevin gives you his predictions!