Obama campaign woos Hispanics with TV, radio ads

Jun 9, 2012 | Posted by: roboblogger | Full story: Peninsula Clarion

Her Latin American background is clear in her speech as Lynnette Acosta talks about how President Barack Obama's health care plan could help a diabetic neighbor.

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Its Just Money

Monterey Park, CA

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#100
Jun 12, 2012
 
401(k) fees could reduce average nest egg by 30%, study says

The average U.S. couple could pay nearly $155,000 in fees for their 401(k) plans over their careers, according to the analysis by Demos, a nonpartisan research organization.

By Walter Hamilton, Los Angeles Times

Here's the latest scary retirement statistic.

The average American couple could pay nearly $155,000 in fees for their 401(k) plans over their careers, reducing their eventual nest eggs by more than 30%, according to a new report.

Rather than the hypothetical $510,000 that a dual-earner couple could have at retirement with no fees, they would be left with only $355,000. The fees include explicit charges and indirect expenses, such as the cost that mutual funds incur to trade stocks.

Wealthier families could shell out nearly $278,000 in fees, according to the analysis by Demos, a nonpartisan research organization.

The mutual fund industry and some independent experts disputed the findings of the study, saying it overstated the costs that most Americans incur.

"There's a problem I'm not quite sure the problem is as large as stated," said Mike Alfred, chief executive of BrightScope Inc., a San Diego company that analyzes retirement plans.

Still, the report pointed a spotlight at what many experts say is an enduring problem high fees that drain the retirement prospects of millions of Americans.

Retirement-industry consultants have long complained that a variety of factors hidden fees by 401(k) providers, lax government regulation and poor oversight by employers that sponsor retirement plans contribute to excessive costs.

A study by the Government Accountability Office last month found that many employers did not understand the fees that 401(k) providers charge their workers.

The U.S. Labor Department will begin requiring extensive disclosure of all 401(k) charges in July. Mutual-fund firms and other 401(k) companies will have to disclose all fees to employers, and employers will have to pass that along to their workers.

Fees are one of many concerns about the risks of these plans.

Employees who work for companies with low fees and strong investment options and who are fortunate enough to retire during or after a bull market can do well in 401(k)s, experts say. But those with inferior plans, or who retire after a bear market has ravaged their savings, have far worse odds.

"If you do everything right and you get a little bit lucky, you'll come out OK," said Robert Hiltonsmith, a policy analyst who wrote the Demos report. "But if you don't do everything right or don't get lucky you won't be in a good place."

The mutual fund industry sharply disputed the Demos analysis.

The average person pays $248 a year in 401(k) fees, according to a study last year by the Investment Company Institute, a fund industry trade group. That would cost the average dual-income household just shy of $20,000 over their four-decade working lives.

“Don't be a hater”

Since: Sep 09

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#101
Jun 12, 2012
 

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the westerner wrote:
<quoted text>
Sure, just keep kidding yourself. And stereotyping people. Let me guess, your dream white guy dumped you? Or wouldn't even look at you?
I'm an educated woman.... I don't do anything without serious planning. I have definately found my "dream guy". I just didn't limit myself to a color preference.

You really need to stop watching so much TV. Step outside and take a good look around. The white race really ain't "all that". They're fine and all.... but I really don't see where the supremacy attitude comes from.

“Don't be a hater”

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#102
Jun 12, 2012
 

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Buzzcut wrote:
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He is trying to be an INDIVIDUAL and an American! Bravo to him!
Ideally we are ALL minorities of One in this country and politicians should seek to win our vote as THINKING individuals instead of groups. Groups are CHEAPER though and less difficult and that is how our whole election process has been degraded.
Life is like a box of chocolates......
Memo From Turner

Bellmore, NY

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#103
Jun 13, 2012
 

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Vance1 wrote:
The Obama's stock market Personal Rate of Return from 01/01/2012 to 06/11/2012 is -1.5%
That's pretty funny. You take three weeks worth of stock market data and try to make something of it. Clearly you do not have much investing experience, but if you look at the long term the S&P 500 is up 60% under Obama.

For some historical reference that is the third highest increase during the first 40 months of any president. It only trails Clinton's second term and Eisenhower's first term.

For the record the S&P 500 was down close to 20% during W's first 40 months. Hmmm. Up 60% or down 20%. Which would be better?

Well you know what they say. If Obama is a socialist, he is really bad at it.

bo-news.com/2012/04/23/obamas-stock-market-pr...

“wisdom”

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#104
Jun 13, 2012
 
Freedomx4 wrote:
<quoted text>I'm an educated woman.... I don't do anything without serious planning. I have definately found my "dream guy". I just didn't limit myself to a color preference.
You really need to stop watching so much TV. Step outside and take a good look around. The white race really ain't "all that". They're fine and all.... but I really don't see where the supremacy attitude comes from.
How about you show some proof that I watch a lot of TV ? More of your stereotyping. You mADE A RIDICULOUS AND UNFOUNDED accusation against white males, of which I am one, I defended us. I thought the subject was Obama and hispanics.

I can give you a tip tho, look at the white world, then look at Africa, what differences do you see?

perhaps you'd be happier in some place like Zimbabwe.

“wisdom”

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#105
Jun 13, 2012
 

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Freedomx4 wrote:
<quoted text>I'm an educated woman.... I don't do anything without serious planning. I have definately found my "dream guy". I just didn't limit myself to a color preference.
You really need to stop watching so much TV. Step outside and take a good look around. The white race really ain't "all that". They're fine and all.... but I really don't see where the supremacy attitude comes from.
Was Obama's "mother" your hero?
1 post removed

“I just hate stupid people”

Since: Apr 07

DEEP SOUTHERN ILLINOIS

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#107
Jun 13, 2012
 
Richard Guerra wrote:
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She's an all American girl. I won't get into what I know about her but she lives as good a life as most Americans. Why you would think all of the above about her is beyond logical reasoning but my advice to you is to lay off that "The Hills Have Eyes" movie.
Relax Tonto.
Impeach Obama

Adelanto, CA

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#108
Jun 15, 2012
 
God Damn You Obama, You just lost my VOTE!
Mainline Florida

Tampa, FL

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#109
Jun 18, 2012
 

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great. The next step, we'll be getting junk mail in both languages. LOL

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