Melva Gifford

Here are some notes from a webinar. any inaccuracies are the fault of the notetaker.

– Dependable income streams. Pensions or social security are SS will give a fixed income.
– 71% of unmarried depend on SS.
– B6 2035> 79 mill will use ss. Skew the amount of worker related to beneficiary
– Need to have 10 full yrs. to get Social Security benefits.
– Base on your work record and spouse can collect as well to access ½ of primary SS’s and dependent children under 16 or 18 can access SS. Benefits if spouse pass away spouse can get benefits or primary acct. if more then what would earn. The spouse must sing up. The spouse must sign their partner up. If married for 10 yrs. and divorced can access their SS.
– SS will automatically select the highest benefit for you
– We will only pay on income of 100K.
– Login into ssa.gov create user name and password and view statements. On inner flap a breakdown of when they access to benefit. Age 70 is the last yr. must. Each yr. around you picks up 8% of the benefit.
– Spend from your assets that are performing from the lowest rate first. Allow the assets that are growing at the greatest rate to grow.
– Can give the pros and cons of different actions, make an app. If you have major health issues and don’t expect to go into the 80s. Try to defer SS as late as possible. Funded through taxation. You will be taxed when you take the money out.
– Would need $800K income saved. To get $3K a yr. (I think)

Do you have something to add? If you do, please share in the comment section of this blog.

These are notes from a church meeting. Any misspellings and misinformation is the fault of the note taker. These are from a talk by our ward Bishop

– Some will do a mini-devotional each day. Maybe include scripture study or podcasts. There are over 2K podcasts on morman.org (soon to be renamed). Listen to a church talk on the way to work
– Jan 19th met with a member of the twelve. Had a Q&A period. This example shows we come from a tradition of questions since Joseph Smith asked the first question (which church is right). If a question does not yet get answered we need the faith and patience to get the answer. One person shared that it took them 25 years to answer a question.
– If one has a question about the gospel that is not being answered, put that question on a shelf but don’t put the church on a shelf.
– At one devotional: request for guidance. The most typical answer may be silence. Such a response may lead to bitterness. Silence may a sign that God has a vote of confidence that we can answer the question ourselves.
– Create a personal mantra. In the movie Princess Bride, there is: “My name is Inigo Montoya, you killed my father, prepare to die!” The bishop chooses his mantra to be my name is xxx, I am a son of God and lives’ Gods commandments.
– One man has a personal mantra I am simply a follower of Jesus Christ.
– Following Christ does not mean we live perfectly. When we stumble we rise again. We are imperfect but we are striving. We strive to align our lives to the teaching of Christ.
– Hugh nimbly: we live our lives as passengers on a plane where parents may be the pilot. We will find that the pilot has passed out ad we have to take controls. We have to trust the airport controller to guide us (God/the gospel). If we don’t follow the air controller directions (God) you may not bring the plane down safely
– Alma 32; discusses faith.
– J.R.R. Tolkien poem:
“All that is gold does not glitter,
not all those who wander are lost;
the old that is strong does not wither,
deep roots are not reached by the frost.
From the ashes, a fire shall be woken.
A light from the shadows shall spring;
Renewed shall be blade that was broken.
The crownless again shall be King.
One source: https://en.wikipedia.org/wiki/All_that_is_gold_does_not_glitter

– Seek deep roots in the gospel so that adversary cannot reach us.

Do you have something to add? If so, please do so in the comment section of this blog.

Here are my notes from Utah Senator Mike Lee’s town hall. The misspellings and misinformation is the fault of the note taker.

This is a submission to my caucus corner occasional blog.

– Q: There are 5 of 7 areas get most of the government-funded during a shutdown. (I did not hear the complete question as I was included late in this question)
Solution: bring a spending bill before both groups of government months early. We should be able to debate different parts of the bill. Some members have priorities that conflict. Should have a stop gap (automatic spending provision) keeps government funded. And ratchet down spending. In increments. of 1%.

– Q: Why did you vote no to both spending bills last week.
One was presented by minority miller Schumer. It did nothing to address the crisis on the border. Nothing to fix immigration. Would not get any chance of 60% support.
McConnell version: reported to address the border crisis and extended DECA beneficiaries. Did not solve problems. asylum laws are creating a magnet of waves of migrations. The wall will not fix our asylum laws. The Flores ruling was created to make it possible to create incentives to bring children with them. In 20 days they have to be released by 20 days. The bill would have maintained bad incentives. We don’t want women and children targeted.

– Q: why does the national debt not matter anymore? Spend 300 billion a year of interest on our national debt. Could be a trillion a yr. once the interest goes back to a normal rate.

– Why is Cornel Bar over the department of justice? confirmation delayed? Democrat had the power to delay by a week. Talked to him about first amendment rights and due process. Also discussed antitrust issues. He has a proven track record.

– When will you stand up against Trump? Mike says he has disagreed with him in different ways. For example, voted against a measure on a spending bill he was supporting. Said he would not support it as it would still make women and children misuse and being used as human shields. Has objected to trump in trade wars and increased tariffs. The smooth holly act about a hundred years ago caused a world depression. Also voted for rolling back the president’s authority. today had a media conference with other senators request to have the US get out of a war in Yemen?
I’ve agreed with the presidents with cutting out federal regulations. Also agreed with a lot of elections of federal judges. Respect the presidents wants to defend our borders.

– The price of insulin was 3K now 5K: I believe in a free market. As chairman in antitrust plan to look into it and look into other areas of pharmacy issues. The absence of completion the quality goes up and the price goes down. The create acts would promote completion and decrease prices.

– Schumer, Nancy Pelosi and others being seen as doing treason. Treasons is a defined crime when given aid to enemies of the United States.

– Q: what of Muller’s report: Mike feels the report will happen soon.

– One caller has his travel restricted with no passport or driver’s license. Mike: you have a right to the freedom of travel: contact our office. Section Under the 14th amendment and the first amendment and subject of the

– Is Justice Ginsburg doing ok? She has setbacks with health, l have not heard anything.

– What can we do to strengthen the southern border? There are a lot of people who are harmed through immigration through a long and dangerous journey. Our asylum laws encourage them to do that. Anyone knowns to be a family have to be released in 20 days. It encourages adults to bring children their own or someone else’s.
Border agents are seeing the same children multiple times.
Encouraged that we stay in Mexico policy: those seeking asylum working with Mexico to have them wait in Mexico to wait for an answer. Mexico has agreed. The problem with stay in Mexico is still kicking in. It is only in effect only one section of the border. He Referenced Utah 15 years ago of an officer taking lab equipment from the evidence and reselling drug equipment to labs. We also need to change asylum laws by requiring applications to apply for asylum outside of the United States. If they cross unlawful the order they can’t apply.

– Why not impeach trump: house of rep has the power to impeach it must be based on a high crime or a misamer. Just because we may disagree with a president on a policy does not mean he is subject. Was surprised by how one party treated the President by not having him give a National address. That was not done to President Obama.

– Why not have trump pay for the wall as he is a billionaire. Trump is a wealthy man but may not necessarily be a billionaire. A private citizen should not be expected to pay.

– Building a revenue stream to pay off the national debt through oil and natural gas. Not nearly enough to offset the national debt. The challenges o debt is we don’t have a reasonable means to agree on a budget and to not spend more then what we take in. We should develop more of our natural resources for our energy dependence. Focus on that on that committee.

– What do you hope to hear from the national address: how to avoid future shutdowns, how to address natural security. How to address the increased debt. How to detour more illegal crossing. Hope he will discuss trade. Hope we can have more free trade.

If you would like to add a comment or feedback there is a section under this post, where you can do so.

Good: Medicaid
Bad: Medicade
I keep spelling the last part of the word. Medic (medical is fine) but when we give aid as in MEDICal AID that should help me spell the word better.

If you have a better trick, please feel free to share.