More than two thirds of people of working age fear that they will run out of money during their retirement, according to a new commissioned report. The global economic downturn has made it even harder for people to put money aside, with 40 per cent saving less for their retirement since the downturn, the report said.

The Future of Retirement A balancing act is the latest in a series of reports providing insights into the issues associated with ageing populations and increasing life expectancy around the world.

Almost two in five people of working age surveyed were not saving for retirement at all but while retirees stressed the importance of planning early, almost two in five people of working age surveyed were not saving for retirement at all.

Many people had cut their levels of retirement saving since the economic downturn. More than 80 per cent said that unexpected events had made it significantly harder for them to set money aside. For some, this was because they had lost their job or seen their income fall. For others, it was because a life-changing event such as an accident or illness had stopped them or their spouse from working.

One in ten people of working age today thought that they would never be able to retire fully from paid employment.


Saving in small denomination gold bullion 999.99% pure gold bullion is safe and affordable for everyone



 100% Free Gold Savings Accounts . Karatbars International GmbH
Open Your Free Account 
​

 The advice from those who have already retired is clear:
it literally pays to start planning early.




​Retirees around the world choose a number of ways to fund their retirement. 

1. Cash deposits
2. Property and pension schemes remain popular options for around three in five. But a minority of retirees also turn to less traditional investments. Around a third of those surveyed own or plan to own 
3. Jewellery
4. Gold or diamonds.
   Smaller numbers place their faith in: 
5. Antiques (15 per cent)
6. Art (14 per cent)
7. Classic cars (11 per cent)
8. Fine wines (10 per cent).

Choosing how to save or what to invest in is only part of the challenge. Many people find it difficult to estimate how much they will need to fulfil their hopes and ambitions in retirement. Around 30 per cent of retirees say that they do not know how much they need to save. In Argentina 2001, many suffered losses of more than 75% of their life savings when the country defaulted on its debt, today people are still wary of banking institutes and the only viable means of savings is the purchase of USD on the "blue dollar" market.

The amount will vary significantly from person to person. Some will spend money on healthcare, support other family members or treat their grandchildren. Some will aspire to use their retirement to fulfil lifelong ambitions – whether it be to learn a new skill, support a charity or travel the world.

For 30-year-olds, the end of their working life might seem a very long time away. But even a small amount saved now can increase their chances of enjoying a comfortable, fulfilling retirement.

​easel.ly

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In Self-directed retirement account which include but may not be limited to Sep IRA’s, Roth IRA’s and rollovers from certain qualified retirement plans such as a 401(k)’s and 403(b)’s, and TSP’s you are able to make your own investment decisions which add to options which are not typically available with more traditional accounts. Self-Directed IRA’s allow you to take a more active role in determining your asset mix and give you the ability to expand your retirement account holdings beyond traditional stocks, bonds and municipal funds. Instead of being locked into an asset group chosen by a fund manager, you can invest in what you know and understand.

If you want to own gold within a retirement plan the question you should ask yourself is: Why?

The answer is simple. Gold is an asset that is not simultaneously anyone else’s liability. For the conservative individual who is concerned about out-of-control spending by Congress and the uncontrolled expansion of the monetary base by the Federal Reserve – the answer is most definitely “yes”. These are troubled times and gold has always been the ultimate hedge against economic volatility and crisis.

The next question you need to ask yourself is; do you believe you need to own gold? If the answer is yes, then holding gold (the physical metal) within your retirement vehicle may be for you. You may transfer all or part of your liquid retirement assets into gold.

If your goal is to diversify your retirement strategy so that your overall financial situation is not compromised by economic instability; gold is “real” money. It cannot be printed or debased. If you are wondering when to purchase gold you probably should not wait for market timing to attempt to achieve a “more attractive” price that may or may not occur; rather dollar cost averaging is a better plan.


Gold is the only globally recognized currency, or acceptable form of payment that government’s or central banks cannot print. It is the way that individual countries settle their debts. This quality makes it a good fit for a well-diversified, long-term retirement portfolio.



All the rules, including those related to tax treatment that apply to conventional retirement plans also apply to self-directed plans. In most cases, conventional plans do not allow for diversification into physical gold due to the special circumstances that accompany precious metal ownership – storage, insurance and custodial issues. Generally, the client planning for retirement who wants to purchase physical gold, (such as bullion) will need to establish a new account with a trustee that allows self-directed retirement plans. The individual then transfers funds from his /her current trustee to a new trustee that handles and specializes in this type of transaction.

Self-directed trustees do not give investment advice. They simply provide the administrative and reporting services, and work with various vendors like Karatbars International, GhmB, that offer a very specific type of precious metal investment which is allowed under the Internal Revenue code. The trustee will charge a fee for their services and those charges should be listed on the company’s website and disclosed up front. The client will then know what the costs will be prior to going forward and can properly determine if this is an opportunity they want to pursue.

 Get More Info


Choosing the right gold product can be the difference between success and failure as a gold owner. This decision will help you to stay on track protecting your assets from uncertain economic conditions. If you select the wrong product your money could be diverted to a combination of bullion-related investments and/or derivative investments that are not truly asset preservation vehicles. Gold stocks for example, are first an investment in stocks, and gold bullion second. Precious metals ETF’s and certificates introduce systemic risk into the equation. These types of alternatives should be avoided by individuals looking to hedge against economic uncertainties like those that occurred in the 2008 financial crisis or the on-going sovereign debt crisis in Europe.

Other points to Consider:

• Make sure the trustee you choose is capable of administering the rollover as well as servicing your account.
• How long has the trustee been in business? Will they likely still be around when you retire?
• If your long term goal is long term asset preservation, do not purchase stocks, certificates or ETF’s
• If you intend to take possession of your gold at retirement, is it in a form that is easily shipped, carried and stored? Can you take a portion of your gold or will you need to take delivery all at once?
• Does the product you are purchasing need to be assayed or verified before you can sell it?
• Is the product you purchase from an LBMA refinery?

dit.

COVID19 has forced businesses to close and staff have been faced with unemployment, here's the thing, those people who are now living off the unemployment benefit, are probably wishing they had a plan B.
here's the other thing, those who have not yet been laid off and I hope that never happens should be thinking about a plan B
In my opinion plan B is a financial back up plan, as you know my plan B has always been about saving 1 gram of gold per month to protect myself, my whanau and friends from redundancy, unemployment or bankruptcy?
Those of my friends and family that have followed my lead, are probably greatful they did, because they have been preparing themselves for such a time as this and the good news is you can too. You dont need to go out their and sell gold to people.
If you want to protect yourself from redundancy, unemployment or bankruptcy you can by simply saving 1 gram of gold thats it no recruiting or selling required. If you have been laid off and now you need some extra coin ontop of your benefit you can do that too.
What ever you choose I can help you get started feel free to leave me a comment if your interested, either way this isnt about me its about you... be blessed and stay safe family....
#financialfreedom #protectyourself #protectyourfamily #protectyourbusiness #protectyourincome #protectyourhome
Can you guess what was the leading image which prompted this?

• Daniel  The market is being propped up. It’s time to go short.
  
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  Earl  Print print print that’s their solution. This will lead to hyperinflation!
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  Christopher  They just crashed the economy while the Fed came in and scooped up everything for pennies
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  Troy  This was all an orchestrated power grab
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Latest News:
FED CUTS INTEREST RATES TO ZERO AND ISSUING A $700B QUANTITATIVE EASING!
..On a SUNDAY!
Why should you be worried?!

So, what is quantitive easing for dummies?

​ Your money, the paper bills in your pocket (which are as we speak, possibly covered with CORVID-19), is given a market value by 'the market', markets increase in value however  the bills do not so more bills are required to purchase within the marketplace, good so far?
So to maintain the illusion and to maintain the ability to purchase these goods which are increasing in value, the FED (Federal Reserve Bank - a private, self regulated company which sells its services for the federal system, i.e printing of money), prints more money as requested by the government.
This is called 'Fiscal Easing'.

According to Financialpedia - Quantitative easing (QE) is a form of unconventional monetary policy in which a central bank purchases longer-term government securities or other types of securities from the open market in order to increase the money supply and encourage lending and investment.
WHY YOU SHOULD CARE?!
Sure you got a job, probably at the moment though you cannot get there because of the global Corona Virus Pandemic right? So the money you have has to last you right?
If the country is not producing or selling as much there is a shortage and people hoard cash, when there is a shortage the value of items increases i.e your spending power or value of your money becomes less. What the government is generously doing is asking the FED to print $700 BILLION dollars worth of money so that everyone feels safe... and so there is enough money for you to purchase more toilet paper (don't actually do this!).

For those who have read past articles here, you know what happened in Argentina in 2001, 40 Billion usd left the country as VIP bank clients pulled their money and moved it off-shore. This left the banks empty of overnight reserves and when the run on the banks began it became messy very quickly (more than 30 people were shot dead by police in the ensuing riots).
I HIGHLY RECOMMEND reading this article from Forbes about the QE2/3/4/5 WHY? BECAUSE THE MEDIA ARE NOT TALKING ABOUT IT!!!

Five days ago the FED published this announcement. 
“As announced on March 15, 2020, the Board reduced reserve requirement ratios to zero percent effective March 26, 2020.  This action eliminated reserve requirements for all depository institutions.”​
So people hoard devaluing cash which ends up looking like the streets in Venezuela... worst case, but could the same scenario happen in the next weeks in the usd?

Changing some of your paper cash for real money regularly doesn't cost you anything and positions you safely for the day things get really nasty or leaves a generational legacy for your family. Pay yourself first in gold, the rest will take care of itself. Put yourself into the quadrant the requires your money to work for you,not the other way around. Diversification is the name of the game. HOLD GOLD, DO NOT SELL THE GOOSE! 
Diversify your investments,one way we are doing this is with a company of good long standing reputation, Karatbars International who have completed successfully their financial ecosystem to include a utility token KBC which upon its use, perpetualy supports the system. Here is more on the crypto aspect of the company KaratBank Gold Standard Group.
​
There are many cryptocurrencies claiming that they are backed by gold. Whilst this might be true, you need to distinguish whether backed by actual physical gold which is the ultimate way of owning gold and asset value protecting, or if it's backed by paper gold.
Most cryptocurrency coins that claims they are backed by gold is really only backed by gold ETF's (exchange traded funds) or SGB's (sovereign gold bonds). Alternatively there are also gold mutual funds (fund of funds) which further invest in gold ETFs.
All these paper gold backed cryptocurrencies are still dependant on the Fiat currency system remaining solvent and operational. If anything goes wrong as it's done in countries like Zimbabwe, Greece, Venezuela etc. then those paper contracts become worthless. In which case the paper gold backing also becomes worthless. Many warning lights are flashing around the world indicating high possibility of currency collapse.
FACTS:

1. The Karatbars KBC coin is the only cryptocurrency coin that has real physical gold vaulted to support the value of the coin within their own Karatbars ecosystem.
2. Karatbars has no control over the value of KBC traded on the cryptocurrency exchanges. That price is determined by the demand and supply principals of business.
3. CashGold is the only currency in the world that has the physical gold imbedded in the notes.

Physical gold has been the currency of the world for thousands of years and to this day is still the only appreciating asset worth collecting. Use this information to your benefit.

Thanks to Neels Crypto via Karatbars World: 
​

Por supuesto podes continuar a usar cualquere papelito que ofrecen...

It is better to be green and growing than still and stagnant.
I don't know who said that, but the universal law is such that if you are not moving, most likely you are dead, awaiting a change into another element.
 So if you feel like you have a lack of anything in your life, most likely you are the one blocking it's entry. Time to take stock, sit up, shut up  and get out of your own way... but how?
Sorry, but like your computer or smartphone when it gets stuck, you probably need rebooting.
You need to change your wealth/abundance programming.
STEP 1: Make a choice for CHANGE

Step 2: Be aware that if you are not operating from the level of love or above you will always become embroiled in blocks that will prevent you from achieving a fulfilling level of life.

Step 3: Root out the causes that have you ´trapped ´ in old cycles like a mouse on a wheel.

Go all the way back to source these root causes and blockages, write them down, trust your intuition, verbalise them and verbally ask yourself and the universe what your life would look like if you had more of what you are looking for. Your voice has power, words vibrate and aid the manifestation of your words into becoming a physical reality.

This technology is very new, newer than a millenial even.
No-one really can say how it will play-out, yet the signs are there that crypto is here to stay. To say that you don't trust it though is a little glib, especially if you are in business.
I doubt there are many business owners out there that go so far as to do a psychological check on their clients or customers because of a lack of trust, yet some doggedly won't touch a virtual currency, not even one backed by physical gold as it just doesn't make sense. After years of us being brainwashed into serving up our hard earned cash into an obsolete banking system, the prospect of taking back control of one's finances can be quite daunting.
 Developing a financial education isn't a matter of reading the newspaper and looking at the stocks and commodities pages, (do yourself a favor though and read Rich Dad Poor Dad ) or knowing the price per square meter in each neighbourhood,
​All that is necessary is for you to question yourself, "Is my money working for me, or am I working for my money?" From there you can quickly discover that you pay virtually everybody except yourself. You pay the government, your landlord, grocer, you even pay your bank to let them look after it for you and you pay when you withdraw your own money.

So most of us are still working for money, which means we are chained to it, The point of passive income is to liberate your time for more fruitful endeavors — whatever those may be. So from what I have learnt in the last year about crypto is that if I save gold, buy crypto and then vault my crypto, I get gold back

FAQ about Karatbars International
Estas son algunas preguntas comunes sobre Karatbars.

¿Puedo Inscribirme En Karatbars Gratis?
Can I register for free?

¿Necesito Comprar Oro Cada Mes Para Calificar Para Comisiones?
Do I need to buy gold each month to qualify for commissions?

¿Cómo Cambio Mi Oro Por Dinero En Efectivo?
How can I change my gold money back to paper cash?

¿Qué Puedo Hacer Como Solo Un Miembro Gratuito?
What can I do as a free member?

¿Karatbars Y El Banco Estándar De Oro Usan Niños O Menores En La Minería De Su Oro?
Do Karatbars or Gold Standard Bank use children to mine gold?

¿Cuándo Es El Día De Pago Y Cómo Recibo El Pago?
Which days do I get paid and how?

¿Hay Alguna Obligación Mensual?
Are there minimum purchases I have to make?

Karatbars Afiliados Trabajo Descripción?
Do affiliates have a job description?

Si Consigo Que Alguien Se Una A Karatbars ¿Qué Comisiones Consigo?
If I get someone to join what commission do I make?

¿Los Karatbars Entregan Oro Físico Real?
Do Karatbars deliver physical gold?

¿Hay Requisitos Previos Para Poder Ganar Dinero Y Comenzar En El Programa Una Vez 
Que Me Registre Como Miembro Afiliado Gratuito?
Are there minimum requirements to earn comissions once I have registered as an affiliate?

Además De Lingotes De Oro, ¿Qué Otros Productos Ofrecen Los Karatbars De Los Que Se Benefician Los Afiliados?
Apart from gold, are there other products that I can benefit from as an affiliate?

​¿Qué Países Están Abiertos Para Karatbars?
In which countries are Karatbars active?
https://karatgold.sg/?s=chacras

By Jayson Herewini

Inflation is the result of banks creating money out of thin air then lending that to the government to put into circulation 

It’s all the borrowing the Government is doing that’s causing prices to go up....

Stop borrowing money you don’t have and start saving gold instead that’s the only way to protect yourself from inflation....

Property won’t protect you from inflation look at the 2008 property market crash

Caused by banks being irresponsible lenders, and lending mortgages to anyone and everyone their greed is what made people become homeless over night...

Who bailed them out the Government...mean while the value of Gold increased and those who had it became wealthy...

A crash is coming just wait and see... then you’ll find out if your financial advisor advised you correctly... I’m no financial advisor but I certainly have done my own research and listened to financial advisors like Mike Maloney, Matt Retick,  Anthony Strevens and other financial advisors who are  Advocates of Gold over fiat currency...

Especially in these times... they will...meaning the economists, want you to believe our economy is in good shape 

But I call Teko on that one it’s all a smoke screen....​

https://www.newshub.co.nz/home/money/2019/07/petrol-cost-climb-and-rising-rent-pushes-new-zealand-inflation-up.html

Thanks to Mr. Herewini for his thoughts and for use of his musings

Why are high income families in New Zealand struggling if THE PRICE OF GOLD IS GOING UP?!

Simple answer is that they don't save in gold, they depend on their business as their only source of income or investments which are tethered to the dirivitives markets or real estate all of which are dependant on the country's economy and therefore its currency. 

It is impossible to outrun inflation on a linear income.
This means currency i.e your money is slowly (or if you are in Argentina or Zimbabwe, quickly) devaluing, therefore it makes sense to develop savings habits of something that historically has been the go to when things get tough, GOLD.

You have questions if you are doing due diligence right?

So why would I pay more for CASHGOLD when I can buy Gold at the US Price?
Answer: You wouldn't be! When you open your free Gold savings account, you have options that most people won't have. Don't look at it as CASHGOLD's price, look at it as CASHGOLD's value. You can't buy KBC with US Gold but you can exchange your KBC for Gold at Euro prices!
Example: Let's say you buy 1,000 KBC at 3¢ a coin for $30. For every 100 KBC equals 1 gram of Gold. So, 1,000 KBC = 10 CASHGOLD grams at $54.23 per Gram. In other words, just for acquiring CASHGOLD with $30 US dollars, you instantly put $542.30 in your pocket.
Logic: The $8.44 per gram difference that you would save for just buying Gold at US prices and not buying CASHGOLD is actually costing you $8.44 per gram profit when you perceive value and not price. Not to mention spending $30 for 10 grams. That's $3 a gram!

 Today already you can pay with crypto currency, even some blocks from our home in what some would call a marginalized neighborhood, a sushi restaurant will accept them as payment.

There are ATM machines available where you can exchange your physical cash for gold cryptonized coins, MasterCard has aligned their debit card for easy withdrawal of cash funds but the game changer that has the banks running for a change and not us
- the newly launched K1 Impulse voip blockchain cellphone. This ´from scratch´ piece of hardware allows both apple and android system compatibility amongst a host of other features, not least of which is the closed system banking capability.
​(you can pre-order the NEW SONY K1 IMPULSE here  any questions you have, feel free to whatsapp me directly on +5491162621903 or mail to raymondelee@globaljet.me),
​ I will explain how to get it loaded with cash for free ...

                                                               NEW ORDERS TODAY
The most secure mobile phone currently available?
YES, here´s why
Because it is the first mobile phone using Voice over Blockchain Protocol - if you own it, no one else can use it!
Features include: -Fingerprint Scanner
-PIN Lock
-Face ID Access
-Password Lock
-WORM Guard

All this is, to add in all modesty, the only way to rebuild trust in the telephone-based worldwide communication system.
With the all new Impulse K1 Phone you can settle back and feel protected about your business security.
- PRIVACY
- SECURITY
- NO BORDERS
​- NO FEES

AMAZON are already accepting Bitcoin my sushi guy is accepting crypto, don´t you think now is better to get ahead of this and benefit from it?
If I want to pay for services why should I pay for the service of serving and who am I paying? Oh that´s right we have that already, it´s called tax. Within this phone and payment system we can safely and securely send money B2B or P2P.
​
A 401k that pay you 30k a year at retirement? I don´t understand how smart people can get their heads around it. However that´s for another article...

O​ne more thing in closing, remember that crypto currencies are also classed as investments, you buy sell AND earn. The KBC coins I paid 0,3cents for are already worth a ton more and 100KBC will equal 1 gram gold on July4th 2019.

Order your new voiceoverblockchaincellphone here at;
​bit.ly/voiceoverblockchaincellphone