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New Tax Law Update: 529 Plan Expansion
 
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New Tax Law Update: 529 Plan Expansion Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 47327 The Dave Ramsey Show
MOST—Missouri's 529 College Savings Plan
 
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We showed Missouri parents how saving for higher education is more achievable than they think.
Просмотров: 404 Kuhn & Wittenborn
Saving vs. Borrowing
 
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When it comes to paying for higher education, should you save or borrow? Learn more at http://mo529.us/2wnUoo8. For more information about MOST—Missouri’s 529 College Savings Plan, download a Program Description, Privacy Policy, and Participation Agreement or request one by calling 888-414-MOST. Investment objectives, risks, charges, expenses, and other important information are included in this document; read and consider it carefully before investing. Vanguard Marketing Corporation, Distributor and Underwriter. If you are not a Missouri taxpayer, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. The Missouri Higher Education Savings Program (the “Program Trust”) is a trust created by the State of Missouri. When you invest in MOST—Missouri’s 529 College Savings Plan (the “Plan”), you are purchasing portfolio units issued by the Program Trust. Portfolio units are municipal securities. The Plan has been implemented and is administered by the Missouri Higher Education Savings Program Board (the “Board”). Ascensus College Savings Recordkeeping Services, LLC, serves as the Program Manager and Recordkeeping and Servicing Agent, and together with its affiliates, has overall responsibility for the day-to-day operations of the Plan. The Vanguard Group, Inc., serves as Investment Manager for the Plan. Vanguard Marketing Corporation, an affiliate of The Vanguard Group, Inc., markets and distributes the Plan. The Plan’s portfolios, although they invest in mutual funds, are not mutual funds. Investment returns are not guaranteed, and you could lose money by investing in the Plan. Participants assume all investment risks, including the potential for loss of principal, as well as responsibility for any federal and state tax consequences. © 2017 State of Missouri.
Просмотров: 64 MOST529
Missouri's MOST 529 Campaign
 
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The State of Missouri's MOST 529 College Savings Plan campaign was developed in 2009 to bring awareness to the state-sponsored plan that makes it easier and more affordable for Missouri's parents to save for their children's education. Since its launch, more than 145,000 accounts have been created with investments of more than $2.3 billion.
Просмотров: 81 Geile/Leon Marketing Communications
Mo. Changes College Savings Program
 
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The state of Missouri has made some changes to its MOST college savings program that will allow families to keep more of the money they invest. KMBC 9's Micheal Mahoney reports.
Просмотров: 47 KMBC 9
Consider all the costs of college
 
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The cost of college is more than just tuition. Don’t forget about housing, meal plans, books, lab fees, computers, and more. Watch our video to see how your MOST 529 Plan account can help in paying these qualified expenses. Learn more at http://mo529.us/2k6ZcfY For more information about MOST—Missouri’s 529 College Savings Plan, download a Program Description, Privacy Policy, and Participation Agreement or request one by calling 888-414-MOST. Investment objectives, risks, charges, expenses, and other important information are included in this document; read and consider it carefully before investing. Vanguard Marketing Corporation, Distributor and Underwriter. If you are not a Missouri taxpayer, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. The Missouri Higher Education Savings Program (the “Program Trust”) is a trust created by the State of Missouri. When you invest in MOST—Missouri’s 529 College Savings Plan (the “Plan”), you are purchasing portfolio units issued by the Program Trust. Portfolio units are municipal securities. The Plan has been implemented and is administered by the Missouri Higher Education Savings Program Board (the “Board”). Ascensus College Savings Recordkeeping Services, LLC, serves as the Program Manager and Recordkeeping and Servicing Agent, and together with its affiliates, has overall responsibility for the day-to-day operations of the Plan. The Vanguard Group, Inc., serves as Investment Manager for the Plan. Vanguard Marketing Corporation, an affiliate of The Vanguard Group, Inc., markets and distributes the Plan. The Plan’s portfolios, although they invest in mutual funds, are not mutual funds. Investment returns are not guaranteed, and you could lose money by investing in the Plan. Participants assume all investment risks, including the potential for loss of principal, as well as responsibility for any federal and state tax consequences. © 2017 State of Missouri.
Просмотров: 35 MOST529
Worry Free Living TV: A Simple College Fund That Doesn't Count Against Financial Aid
 
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http://www.worryfreelivingtv.com In this edition: We aren't fans of 529 College Savings plan. There's a much simpler and easier way to go about funding college education. Money in a 529 plan can count up to 5.5% of a child's college savings in the financial aid worksheets used by most colleges and universities, which directly diminishes the potential for financial aid. More importantly, 529 plans tend to offer limited investment choices, and the benefits of tax-free compounding aren't that great based on the average account balance of most 529 accounts.
Просмотров: 99 Brian Fricke
The Best Way To Buy A House - Dave Ramsey Rant
 
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Find an Endorsed Local Provider in your area to help with real-estate! https://goo.gl/Erj53Z Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Просмотров: 692432 The Dave Ramsey Show
MOST Making The World Better
 
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My video for Missouri 529 College saving plan.
Просмотров: 24 Amanda Seggerman
529 College Savings Plan
 
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CPA Chris Gamble discussed the benefits of a Section 529 College Savings Plan Monday on News 8 at Sunrise. Gamble said Section 529plans are tax advantaged education savings plans for college education costs. The name 529 Plan comes from the section of the Internal Revenue Code under which the plans were established in 1996. The savings plans are operated by a state or educational institution and the earnings on the money invested in the plan are tax-free if used for qualified education purposes.
Просмотров: 151 TheNYSSCPA
8 Keys to Growing in Winter in an Unheated Greenhouse (Hoop House)
 
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Today I share our 8 keys to growing in winter in an unheated greenhouse. Though there are other methods that also work well, I’ll focus specifically on what we do. "Four Season Harvest" by Eliot Coleman: http://amzn.to/2a7jV9R "The Winter Harvest Handbook" by Eliot Coleman: http://amzn.to/2ahjPiR "The Year-Round Vegetable Gardener" by Niki Jabour: http://amzn.to/2a7ksbJ 6 mil Greenhouse Plastic: http://amzn.to/2a7jxIl If you shop on Amazon, you can support OYR simply by clicking this link (bookmark it too) before shopping: http://www.amazon.com/?tag=oneya-20 1) Grow with the Season 0:16 2) Grow in the Sun 1:00 3) Grow Under Cover 1:37 4) Grow in the Ground 2:30 5) Grow in Sucession 2:59 6) Vent to Avoid Overheating 3:40 7) Water Only When Needed 4:59 8) Don't Harvest Greens When They're Frozen 5:37 Crops we're growing now for a winter harvest: Under One Layer of Protection Claytonia Dandelion Greens French Sorrel Giant Red Mustard Greens Good King Henry Mache Mustard Greens Perpetual Spinach Sea Kale Sunchokes Tatsoi Tree Collards Two Layers of Protection Chives Claytonia Dandelion Greens Dinosaur Kale Egyptian Walking Onions Endive Garlic Chives Georgia Collards Giant Red Mustard Greens Italian Dandelion Greens Lettuce (Black Seeded Simpson) Lettuce (Romaine) Mache Minutina Mustard Greens Parsley Perpetual Spinach Fordhook Giant Swiss Chard Red Veined Sorrel Spinach Tatsoi Tree Collards Vates Kale OYR is all about growing a lot of food on a little land using sustainable organic methods, while keeping costs and labor at a minimum. Emphasis is placed on improving soil quality with compost and mulch. No store-bought fertilizers, soil amendments, pesticides, compost activators, etc. are used. Hoop House Build: https://www.youtube.com/playlist?list=PLApXYvbprElxOaGPGhTZIKALdP29uH2eY
Просмотров: 247073 OYR Frugal & Sustainable Organic Gardening
Turning 65 Medicare Top 5 Mistakes
 
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This video I go over the turning 65 Medicare top 5 mistakes. Http://medicaresavingsolutions.com 1-800-663-5707 When turning 65 and going on Medicare there are many things to consider when thinking about your Medicare benefits and weighing all of your Medicare Supplement options and your Medicare Advantage options. People can make a lot of mistakes when choosing the best Medicare Supplement plan or the best Medicare Advantage Plan to fit their needs. We put together some of the biggest mistakes people make when they sign up for Medicare and are picking a Medigap plan or Medicare Part C Plan. The first mistake a lot of people make when they are turning 65 and going on Medicare is they wait too long to learn about Medicare Part A, Medicare Part B, Medicare Part C, Medicare supplement plans, and Medicare Advantage plans. The second top mistake people make is they don't get Medicare Part B when they are first eligible. They wait because they think they will save money if they don't use it and they don't need it. The problem is that if you wait to take part b you could be penalized when you finally do sign up at a later date. So get part b when you are first eligible unless you have other creditable coverage. The third big mistake people make when they are turning 65 Medicare is they purchase the most expensive plan. They do this thinking this will be the best option because it costs the most. This is not always the case. The best Medicare Supplement Plan may cost less than the most expensive one. The best Medicare Advantage plan for your specific needs may not be the most expensive plan available, in fact most times it is not the best way to go. So don't buy the most expensive plan. Do your research or call us! The fourth mistake people make is that they listen to a friend or relative telling them that the plan they have is the best and it will be the best for you. Don't do this because everyone has different needs, the best medicare supplement plan for you may be different than the best plan for them. The best Medicare Advantage plan for them may be different from the best Medicare Advantage plan for you. You can call us for free help choosing a plan that best fits your needs. 1-800-663-5707 The fifth and biggest mistake that people make when they are turning 65 and going on Medicare is that they talk to the wrong agent. The best type of agent to talk to in order to get the best Medicare Supplement plan or the best Medicare Advantage plan is an Independent agent. At Medicare Saving Solutions we are independent agents, we represent all of the best Medicare Advantage plans and all of the best Medicare supplement plans. We help you find the best plan to fit your specific needs. If you are looking for the cheapest Medicare Supplement plan or Medicare Advantage plan we can help. If you are looking for the Medicare Advantage plan or the Medicare Supplement plan that covers the most we can help. Call us at 1-800-663-5707! If you'd like to learn more about turning 65 and Medicare please check out our other informational videos! Here are few search topics that help people turning 65 learn about Medicare: turning 65 Medicare turning 65 on Medicare turning 65 Medicare Plans turning 65 Medicare Supplements turning 65 and Medicare Medicare and turning 65 turning 65 quotes age 65 medicare getting on medicare getting medicare getting on medicare soon getting on medicare 65 I am new to medicare new to medicare Please check out our other videos below: Best Medicare Supplement Plan - https://youtu.be/d_zcfcfRS7g Turning 65 Medicare - https://youtu.be/nLIQm0hAju8 Medicare Card - https://youtu.be/gttOoB2CglI Medicare Basics - https://youtu.be/Kx0NXXGkmsQ And More Here on Our Channel - https://www.youtube.com/channel/UCgcNxwSgjcp99gzSrznRkCA Turning 65 California Turning 65 Washington Turning 65 Oregon Turning 65 Florida Turning 65 Idaho Turning 65 Texas Turning 65 New Mexico Turning 65 Arizona Turning 65 Pennsylvania Turning 65 Minnesota Turning 65 Wyoming Turning 65 Alaska Turning 65 Ohio Turning 65 North Carolina Turning 65 South Carolina Turning 65 Oklahoma Turning 65 North Dakota Turning 65 South Dakota Turning 65 New York Turning 65 Nevada Turning 65 New Orleans Turning 65 Virginia Turning 65 New Jersey Turning 65 Medicare Medicare turning 65 California Medicare Medicare California turning 65 maine turning 65 west virginia turning 65 alabama turning 65 mississippi turning 65 tennessee turning 65 montana turning 65 colorado turning 65 north dakota turning 65 south dakota turning 65 Massachusetts turning 65 connecticut turning 65 kentucky turning 65 missouri turning 65 arkansas turning 65 georgia turning 65 iowa turning 65 wisconsin turning 65 vermont turning 65 hawaii
Просмотров: 142557 Medicare Saving Solutions
State treasurer's tips on saving for college and avoiding scams
 
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Missouri State Treasurer Clint Zweifel talked about saving for college under Missouri's 529 plan and avoiding scams
Просмотров: 30 41 Action News
4 Steps to a Successful Retirement
 
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This DC Update is specifically written with the retiree in mind. Introducing, 4 steps to a successful retirement. Step 1: Smile, a lot, you earned it. Step 2: Give more high fives, even if they’re bad ones. Step 3: Do a happy dance knowing that you have a pension and that your personal savings are with MO deferred comp. That’s right, you can keep your savings with the deferred comp plan throughout your retirement. So, while that monthly pension benefit is great, keeping your money in the deferred comp plan is twice as sweet because you’ll still have access to low cost investment solutions that are made specifically for state of Missouri retirees. That’s why deferred comp, like your pension plan, is a lifelong employee benefit. The Missouri Target Date Funds, for instance, are designed to last through retirement as they continue to invest more conservatively after you leave work. And don’t forget about the deferred comp plan’s team of education specialists who are also available for FREE consultations, should you have any questions about your retirement savings account. And remember, even if you’re still under age 59 1/2 , you can make penalty-free withdrawals from the 457 portion of your account, a perk many other retirement savings account types don’t offer. Speaking of withdrawals, now that you’re retired, you can finally access those savings you worked so hard to build. The plan offers a number of convenient payment options, including monthly installments that will provide a little extra pay to go along with your pension (and possibly social security) each month. But again, to take advantage of these perks, remember there’s not need to close your deferred comp account once you retire. In fact, you can roll BackDROP dollars, unused leave payments, and money from other retirement savings accounts – say from previous jobs – into your deferred comp plan account. This makes managing your retirement nest egg a cinch. The 4th and final step to enjoying a successful retirement? Well, that’s an easy one: Repeat steps 1 thru 3. Don’t forget the high fives….and the smiles.
Sustainable Off-Grid Home Design - DIY energy efficient green passive solar and affordable!
 
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We showcase a few homes we have designed and the sustainable green building techniques that we will be applying. These projects are still in planning and initial design phases and we will be adding other off-grid strategies for your homestead dwellings in the future. This home has net-zero potential and will implement a passive solar design strategy. Check out our blog here: http://www.countrylivingexperience.com/blog/ Our Homestead tool store can be found here: http://www.countrylivingexperience.com/homestead-store/ Thank you and as always, have a great day!
Automate your college contributions with AIP
 
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Now that you’ve opened your account, make it easier to get closer to your college goals by setting up an automatic investment plan (AIP) for your contributions. Once you sign up, money will be automatically transferred from your bank account to your 529 plan account on a set schedule. Learn more at http://mo529.us/2fBLjFg. For more information about MOST—Missouri’s 529 College Savings Plan, download a Program Description, Privacy Policy, and Participation Agreement PDF or request one by calling 888-414-MOST. Investment objectives, risks, charges, expenses, and other important information are included in this document; read and consider it carefully before investing. Vanguard Marketing Corporation, Distributor and Underwriter. If you are not a Missouri taxpayer, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program. The Missouri Higher Education Savings Program (the “Program Trust”) is a trust created by the State of Missouri. When you invest in MOST-Missouri’s 529 College Savings Plan (the “Plan”), you are purchasing portfolio units issued by the Program Trust. Portfolio units are municipal securities. The Plan has been implemented and is administered by the Missouri Higher Education Savings Program Board (the “Board”). Ascensus College Savings Recordkeeping Services, LLC, serves as the Program Manager and Recordkeeping and Servicing Agent, and together with its affiliates, has overall responsibility for the day-to-day operations of the Plan. The Vanguard Group, Inc., serves as Investment Manager for the Plan. Vanguard Marketing Corporation, an affiliate of The Vanguard Group, Inc., markets and distributes the Plan. The Plan’s portfolios, although they invest in mutual funds, are not mutual funds. Investment returns are not guaranteed, and you could lose money by investing in the Plan. Participants assume all investment risks, including the potential for loss of principal, as well as responsibility for any federal and state tax consequences. © 2017 State of Missouri.
Просмотров: 39 MOST529
What Is 529 Plan?
 
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What is a 529 plan? And how is it different from most other types of accounts? First of all, anyone can open an account, regardless of your income or age. With an IRA or 401(k) you are limited to the amount you can put into an account. With a 529 plan there is no annual limit to how much you can contribute, other than any gifting limitations. But even with the gift limits you can still contribute an unlimited amount. However, there is a limit to how big your 529 account can get. This limit is specific to each state. Some states allow your account to grow up to $200,000 while others allow up to $500,000. This is another characteristic of a 529 plan, that it is recognized at a federal level but operated and managed at a state level. The 529, just like a 401(k) or 403(b) is a code section or chapter in the IRS tax code that allows all of this to work. How does a 529 plan work? You put money into this account and may receive a state tax deduction, but nothing at the federal level. The account will grow and depending on how the funds are used will decide if the growth is tax free. If the funds are used for qualified education expenses the funds can be used tax-free. Think of five things that are considered qualified education expenses: tuition, books, supplies, room and board, and now a computer. So if you use the funds from your 529 for qualified education expenses they will be tax free, whether it comes from your contribution, growth, or earnings. If you have to use the funds from your 529 for anything besides qualified education expenses there will be tax and a penalty. This is calculated on the earnings in proportion to your contributions. It gets prorated. This can be a great account to use especially if you have several years until college for your child!
Просмотров: 12 Financial Design Studio
SoCal Reacts To Obama's Proposal To Tax 529 College Savings Plans
 
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CBS2's Bobby Kaple reports. Subscribe to CBS Los Angeles for more updates now: http://www.youtube.com/CBSLA Official Site: http://losangeles.cbslocal.com/ YouTube: http://www.youtube.com/CBSLA Twitter: https://twitter.com/CBSLA Facebook: https://www.facebook.com/CBSLA
Просмотров: 1040 CBS Los Angeles
Missouri Most 529
 
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Просмотров: 147 Saria Peterson
Gun rights: Missouri woman credits Second Amendment for saving her life - TomoNews
 
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SPRINGFIELD, MISSOURI — The Second Amendment saved a family's life Sunday, at least that's what a mom from Springfield, Missouri says. The Springfield News-Leader reports that Katie Claxton had stopped to get gas around 8 p.m. on Sunday at a Rapid Roberts on Sunshine Street near Highway 65. She was in the car with her daughters while her husband Matt was pumping gas when a suspicious-looking man approached their vehicle. She tried to lock her doors but accidentally rolled the windows down instead. The man then opened the door and brandished a long knife, prompting the mother of four to yell for her husband to get his gun. Claxton's husband pointed his Beretta handgun at the man and called 911 as he walked away. The family began to follow the man in their vehicle as he made his way down the street, banging at cars and trying unsuccessfully to get in. He was arrested by police some time later and charged with unlawful use of a weapon. The man, identified as 42-year-old David Middleton, told police he was paranoid and believed the vehicles at the gas station were sent there to conduct surveillance on him. He said he went up to the Claxtons to tell them to stop following him and tried to get into the other cars to get help after the gun was pointed at him. Middleton has been charged with two counts of unlawful use of a weapon. ----------------------------------------­--------------------- Welcome to TomoNews, where we animate the most entertaining news on the internets. Come here for an animated look at viral headlines, US news, celebrity gossip, salacious scandals, dumb criminals and much more! Subscribe now for daily news animations that will knock your socks off. Visit our official website for all the latest, uncensored videos: http://us.tomonews.net Check out our Android app: http://bit.ly/1rddhCj Check out our iOS app: http://bit.ly/1gO3z1f Get top stories delivered to your inbox everyday: http://bit.ly/tomo-newsletter Stay connected with us here: Facebook http://www.facebook.com/TomoNewsUS Twitter @tomonewsus http://www.twitter.com/TomoNewsUS Google+ http://plus.google.com/+TomoNewsUS/ Instagram @tomonewsus http://instagram.com/tomonewsus -~-~~-~~~-~~-~- Please watch: "Crying dog breaks the internet’s heart — but this sad dog story has a happy ending" https://www.youtube.com/watch?v=4prKTN9bYQc -~-~~-~~~-~~-~-
Просмотров: 5339 TomoNews US
Nine Network Supporter: MOST
 
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Programming on Nine is brought to you by MOST—Missouri's Five Twenty-Nine College Savings Plan. Information is at MOST529Savings.com
Просмотров: 16 Nine Network
Missouri Health Insurance Rates - Affordable Plans
 
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Instantly compare quality Missouri health insurance from the top-rated companies. Free online quotes are available for individuals, families and small-business owners across the Show-Me State. Marketplace coverage provides guaranteed-approval and 10 mandatory essential health benefits. We're Missouri's premier resource for providing medical plans from all available companies at the lowest possible rates. Just click on our secure link below to view your best options. http://www.majormedicalhealth.com/health-insurance-exchange-information-and-rates/ Some of the most popular companies that offer MO Exchange plans include Blue Cross and Blue Shield of Kansas City, Coventry, Cox, Humana, UnitedHealthcare, and Cigna. Marketplace Platinum, Gold, Silver, and Bronze plans are offered. Missouri Open Enrollment typically begins in November each year. However, Special Enrollment Periods are offered to persons that miss the deadline and qualify for a specific exemption. All federal subsidies would apply. Cheap catastrophic plans are offered that feature lower premiums and major medical coverage. Although deductibles are higher, preventive benefits are covered at 100%. This special catastrophic tier is available for persons under age 30. Self-employed persons should consider HSA plans, that offer a tax-deduction for qualified medical, dental, and vision expenses. Premiums are also typically lower than standard policies.
Просмотров: 102 Edward Harris
You give them the MOST
 
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See how the MOST 529 Plan helps Missourians get the most out of their higher-education savings.
Просмотров: 503 MOST529
How I Will Make the World a Better Place by Holden
 
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Missouri's 529 College Savings Plan
Просмотров: 36 Scott Black
401k IRA ESA 529 Control it Yourself
 
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Retirement, savings & investment options. Companies sell you investment options because they make money off of it. Everyone wants to manage your retirement because they charge you management fees. Do it yourself, or at least with minimal coaching. Rethink your options. Enter the code to get discounts.
Просмотров: 455 Heckle Helix
2016 DC Update - Your Path to Retirement
 
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This DC Update is specifically written for mid-career employees, as well as those nearing retirement. Whether you believe it or not, you my friend, are going somewhere. Each passing minute, every passing day brings you closer to the ultimate prize: Retirement – a time for kicking your feet up and enjoying the spoils of a hard-worked career. The path to get there? Well, no two retirement journeys look entirely the same, but what most successful state retirees have in common is a pension and a history of saving with MO deferred comp. Before this retiree was here, they were rolling their BackDROP into the deferred compensation plan. A neat trick they learned when they attended a Pre-Retirement seminar, which contains loads of great information about pension benefits, health insurance, and deferred compensation. Before prepping for retirement, this retiree utilized the deferred compensation plan’s catch up contributions, which allows older workers to contribute beyond the IRS maximums to “catch-up” on missed savings. Prior to that, as the kids headed off to college, this retiree made the difficult decision to increase his personal contributions to the deferred comp plan, despite financial pressures elsewhere. This retiree knew that creating a personal safety net might actually benefit his children most in the long run. Before all of this, when he was in line for a promotion, our retiree made the decision to utilize percent of pay contributions, which he learned about after attending a FREE deferred compensation plan seminar at his office. Percent of pay deferrals ensure contributions to your retirement savings plan will change automatically any time your salary changes. Prior to that, between road trips to baseball, soccer, and the occasional piano recital, this retiree decided to invest his money in Missouri Target Date Funds, which take the guess work out of creating a diversified portfolio. These convenient funds, designed for the busy professional, invest more aggressively at the beginning of an employee’s career and transition, automatically, to more conservative investments as retirement draws near. And before thoughts of retirement, college, promotions, Mozart, or even parenthood, had entered this retiree’s mind, he made an innocent, but smart decision – he enrolled in the deferred compensation plan after meeting with his friendly education specialists. Even though his first contribution wasn’t a lot, he knew time was on his side and there’d be a day when that money came in handy. Wherever you are on your journey, whatever event is on the horizon, remember it’s never too late to start thinking about and saving for retirement. Your future self will thank you.
Facebook Live Townhall: MOST 529 Changes
 
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Treasurer Schmitt discuss the recent expansion of Missouri's MOST 529 Plan to include K-12 education.
Просмотров: 45 Missouri State Treasurer's Office
The Self-Help Guide to Medicare Savings Programs
 
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This video reviews the most important things to know about Medicare Savings Programs. For more information about income and resource limits, visit: http://ow.ly/VP9Qn. For more information about help with prescription drug coverage, visit: http://ow.ly/VP9RQ. A copy of the DFCS paper application for MSPs can be downloaded here: http://ow.ly/VP9Ud.
Просмотров: 307 AtlantaLegalAid
Less Decisions, More Savings
 
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Have you ever stood in line at a new coffee shop or restaurant, staring at the menu options wondering what in the world you're going to order? The choices seem endless and everything looks good, but which option is best? Will you regret getting option A over option B? Or maybe you should go with C? As you stare aimlessly at the all the choices you become overwhelmed and at the last moment, you either make a rash decision based on what you see another person select OR you turn around and walk out without making a choice. This is exactly how the majority of state of Missouri employees feel and respond when faced with the task of selecting a retirement investment option. Making these types of choices are difficult, if not paralyzing for most, because it's out of our comfort zone and beyond our area of expertise. MO Deferred Comp realized this early on and took the necessary steps to make saving for retirement a whole lot easier for state of Missouri employees. Deferred comp offers a simple, yet custom investment lineup built especially for Missouri savers consisting of Missouri Target Date Funds, a stable income investment option and a brokerage window through TD Ameritrade. Missouri Target Date Funds are deferred comp's default, all-in-one retirement savings option. These versatile and professionally-managed funds provide a diversified portfolio of investments consisting of stocks, bonds, and other diversifies. Savers simple choose the target date fund closest to their anticipated date of retirement and contribute to their account regularly. As their anticipated retirement date draws near, the target date fund allocation shifts automatically from more aggressive to more conservative. The Missouri Stable Income Fund offered by MO Deferred Comp is much like a traditional savings account, in that money saved earns a small amount of interest. The fund seeks to protect a saver's principal amount while potentially offering steady growth over time without the daily fluctuations other investment options may experience. Lastly, the Self-Directed Brokerage Account is for hands-on, experienced investors. This option allows savers to choose their own investment options, while taking full responsibility of their retirement assets. While some may argue that the deferred comp plan's lineup is too simple, this unique line-up doesn't limit a saver's options. Instead, it acts as a guide to help them to make smarter choices regarding their retirement savings. So the next time you find yourself back in line and wondering what to choose from the menu, try limiting yourself to just one page or only choosing from the specials. You might be surprised at how easy you make a decision.
Getting Started With A 529 Plan - Step Two: Setting Up Your Account
 
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http://www.savingforcollege.com In the second episode of the "Getting Started With a 529 Plan" Series, Kathryn Flynn and Joseph Hurley help celebrate College Savings Month by walking you through the steps to open a 529 college savings account.
Просмотров: 3104 saving4college
When 1 is better than 2
 
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Typically, the saying goes "2 is better than 1". However, in the case of retirement savings plans, that's not always true. Lucky for you, MO Deferred Comp makes consolidating most external monies, including BackDROP, quick and easy! Here are a few reasons to roll your savings into deferred comp: #1: All of your personal retirement savings will be under one roof; meaning one set of investment options, one point of contact, and one account login. Much easier, right? #2: Deferred comp offers a simple, yet custom investment lineup built especially for Missouri savers consisting of Missouri Target Date Funds, a stable income investment option, and a brokerage window through TD Ameritrade. For more info, check out the Investments page on modeferredcomp.org. #3: MO Deferred Comp is a low-cost savings option for your investments. Participating in the deferred comp plan costs only $15 per year or $3.75 per quarter plus an additional 0.09% of assets. How many retirement savings options can say their fees are that low? Not many, if any! #4: Participants have unlimited access to deferred comp's local education specialist who provide seminars and consultations to and through retirement! These representatives do NOT earn a commission; their sole duty is to provide you with the information you need to make smart savings decisions. What a relief! While making the decision to roll your external retirement accounts is up to you, combining everything into one account can save you time, possibly money, and a few headaches! For more information on rolling money into the deferred comp plan or to get started, check out the Incoming Direct Rollover Form under the Forms page on modeferredcomp.org or contact the plan at 800-392-0925.
Janatha Garage  dubsmash by NTR fans - BACK TO BACK
 
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How most teachers lose in Missouri's current pension system
 
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The McGraw Show: ktrs.com
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Paul Pepper: Alex LaBrunerie, LaBrunerie Financial, "Tax Harvesting"
 
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Today Paul Pepper visits with ALEX LaBRUNERIE, President of Labrunerie Financial, about several end-of-the-year, money-saving ideas that will hopefully make the most of your 2017 investments. And if you're trying to shop for that hard-to-shop-for child or grandchild, Alex suggests putting money in the the MOST plan, Missouri's 529 college savings plan -- it grows tax free! November 22, 2017 Featured Artist is Amy Meyer http://www.columbiaartleague.org Find us on Facebook: https://www.facebook.com/PaulPepperRadioFriends Follow us on Twitter: https://twitter.com/#!/paulpepperkbia Website: http://kbia.org/programs/radio-friends-paul-pepper
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An energy savings plan can help you manage your energy use
 
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Let Ameren Illinois help you set and achieve your energy-saving goals. Under the Home Energy Profile, find the Ways to Save tab to create your Energy Savings Plan. Select one of four lifestyle themes for quick, easy-to-implement home improvement suggestions. Then create a plan based on how much you wish to save and how much time you have. This is a perfect way to take advantage of the Ameren Illinois Energy Efficiency program for incentives and discounts. Start now- https://www.ameren.com/illinois/csc/new-features
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College Planning:Primer on Saving for College & Financial Aid
 
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Securities and investment advisory services offered through NEXT Financial Group, Inc., member FINRA/SIPC. Cornerstone Wealth Management Group, LLC is not an affiliate of NEXT Financial Group, Inc. We are registered to sell Securities in the following states: Arizona, California, Colorado, Connecticut, Florida, Georgia, Indiana, Massachusetts, Maryland, Maine, Missouri, North Carolina, New Jersey, New Mexico, New York, Ohio, Pennsylvania, Rhode Island, South Carolina, Virginia.
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Medicare for Snowbirds (and RV'ers)
 
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Best Medicare for Snowbirds and RVers. If you are on Medicare and a snowbird, RVer or simply travel, this is for you. Call us today at 800-847-9680 See my new video comparing Medicare Supplement Plan N to Plan G & Plan D: https://www.youtube.com/watch?v=RbmEKOphujs Get a FREE QUOTE Comparison Now!: https://medigapseminars.org/medigap-plans/m-quote-request/ See our full library educational Medicare Videos: https://medigapseminars.org/on-demand-webinar/ Click here for resource like Choosing A Medigap policy: https://medigapseminars.org/blog-posts/index-of-resources-articles/ Have a question? Call us today at 800-847-9680 Get a QUOTE Now!: https://medigapseminars.org/medigap-plans/m-quote-request/ Matthew Claassen is an independent insurance broker specializing in Medicare. Our mission is to provide you with all the information you need to make an informed decision regarding your Medicare choices. This video covers how to identify the best Medicare Supplement plan for Snowbirds and RVers We are licensed in over 40 states and help people make the best Medicare decision coast-to-coast, from California to Virginia and from Michigan to Miami. We understand the different state laws and regulations that can impact your decision and have been in the financial services industry since 1984. If you are new to Medicare by just turning 65 or simply new to Medicare Part B, or if you have an existing Medicare Supplement and due to recent price increases want to know if it’s an overpriced Medicare Supplement, we can help. We are 100% independent. As an independent insurance broker, we represent your best interest, not the interest of an insurance company. Agents that work for an insurance company must represent that companies interest and not the consumer. Our service is free. You cannot save money or reduce your Medicare Supplement premiums by not using our service. As an independent insurance broker, we offer all Medicare Supplement plans from all major carriers. We put all the cards on the table for you and show you all your options and costs. That alone saves you days of work. When you work with us, the insurance company you choose to insure you will pay our commission out of their pocket, not yours. You cannot reduce your premium by doing it yourself. Matthew Claassen, CMT is an independent insurance broker who works with seniors from coast to coast. Our client based includes people from California to Virginia and from Michigan to South Florida. Our clients live in almost every state, including Pennsylvania, Alabama, Arizona, Connecticut, Indiana, Missouri, New york, Tennessee, Utah, Maryland, Nebraska, Washington, Texas, New Jersey, Oklahoma, South Carolina, Vermont and many other states. Matthew is based in Palm Beach Florida and with Medicare Advantage and Medicare supplement clients from Miami, Sarasota, Fort Myers, Broward, Orlando and all throughout the state. As an independent insurance broker, our goal is to provide you with the information you need and unbiased guidance so that you can make an informed decision about your Medicare. We can do business in ANY state. Our National Insurance producer ID is 765847. The current list of states where we do most of our business includes, but is not limited to: Alabama, Arizona, California, Connecticut, Florida, Illinois, Indiana, Kansas, Maryland, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Vermont, Washington. In this video we talk about the best Medicare supplement for Snowbirds and RV’ers and for people who expect to move to a different state soon after enrolling in Medicare. Are you a Snowbirds; people with homes in at least two different states and who tend to move to a warmer climate for the winter. Or maybe an RV’er, traveling the country in your motorhome? Or maybe you just plan to move to a different state sometime after enrolling in Medicare? We help people with their Medicare needs in almost every state, from coast to coast. Because we are based in South Florida, home of a large percentage of Florida Snowbirds, having a lot of questions about what this means for their Medicare. The answer isn’t so much as that there is a Right Medicare plan. It’s that there is definitely a wrong Medicare plan you want to avoid. Medicare supplement /Original Medicare – any doctor or hospital Original Medicare + Supplement = national coverage Best Medicare for Snowbirds, Medicare for RVers, Medicare for full-time RVers For Part D drug plan info visit: http://www.medicare.gov Also visit: https://en.wikipedia.org/wiki/Medigap Get your Medicare Guide to supplements here: https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap.guide.pdf And your Medicare & You Guide here: https://www.medicare.gov/pubs/pdf/10050-Medicare-and-You.pdf
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How Missouri Taxes Retirees
 
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Missouri is one of the few states that taxes some of your Social Security benefits. You do need to have gross income of $85k for single taxpayers and $100k for Married Filing Jointly before your benefits are taxed. However, ALL of your retirement income is taxed, IRAs, 401ks,, 403bs, TSPs and 457s. Now some pension income has some exemptions but you really need to have low income to qualify. Military pensions are tax-free, be advised. So, in Missouri, just assume all of your retirement income is taxed. And once you break $9k of TAXABLE INCOME your tax rate is 6%. State sales tax of 4.225% seems low. But when you factor in local taxes, the sales in Missouri almost double what the state tax rate is. In fact, the total sales tax in Missouri puts them in the top 15 for highest in the nation. Lastly, property taxes are 1.02% of assessed value. Unless your income is very low there is no homestead exemption either. So, by and large, Missouri isn't a tax Heaven or a tax Hell. It's smack in the middle of the US for overall tax rates for retirees. ================================= If you like what you see, a thumbs up helps A LOT. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 Contact me: Josh@heritagewealthplanning.com GET MY BOOK: Strategic Money Planning: 8 Easy Ways To Put Your House In Order It's FREE if you're a Kindle Unlimited Subscriber! https://amzn.to/2wKGi50 GET ALL MY LATEST BLOGPOSTS: http://heritagewealthplanning.com/blog/ PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 http://heritagewealthplanning.com/category/podcasts/ LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
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4-Week Savings Spree Video - Week 3, Tip 12
 
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While most people prefer to drive separately, carpooling with a neighbor or coworker has its benefits. Taking turns behind the wheel not only saves you money, but can also reduce commuter stress, decrease air pollution, minimize routine car maintenance, and cutback on road congestion. Check out the links below for additional information on carpooling. For more information, visit http://www.modeferredcomp.org/About-the-Plan/Plan-Updates-Archive/2014/4WSSC-Week3.aspx
Making the Most of the 2017 Tax Reform
 
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Hey, have you looked at your bank account recently? I think I got a raise! You didn’t get a raise, Kelsey…a lot of state employees, well Americans in general, saw in increase in their paycheck due to the 2017 tax reform legislation. (nodding head) A raise sounds more awesome, but whatever. So your check went up too? Yep! I bet that will come in handy with all those house projects you have coming up this spring! Oh, I’m not spending that money. I plan to save those extra dollars in my deferred comp account. I actually just finished increasing my contributions. Well that’s no fun. You’re right, it’s not! But neither is working my entire life, which is why I’m saving now! I don’t want to work forever. Surely, the measly little increase you saw on your check won’t make that much of a difference 25 years from now. You’re wrong! The average American saw an increase of $130 on their paycheck1. If you put away that extra $130 for the next 25 years, you could save around $90,0892 for your retirement. That equals an additional $4,5602 per year or $3802 each month during a 25-year retirement to help supplement your defined benefit pension from MOSERS or MPERS and Social Security. What? I didn’t get that much on my paycheck! You’re missing the point… Plus, we never get a raise, so I need that money. (Text popup: the average employee has seen a XX increase per year.) You are preaching to the choir, but I’m sure you could at least save a little. Even increasing your contribution by $50 a month or $25 per semi-monthly paycheck, could mean an extra $34,6502 in retirement savings after 25 years. Did you realize that one third of state of MO employees who are eligible to retire have delayed retiring because they can’t afford too? 3 And over 60% of current state employees plan on working after retirement just to make ends meet?3 I don’t want that to be me, so I’m saving my additional take-home pay. You can do whatever you want with yours… You make a good point, but retirement is so far away. I planned on worrying about it later, ya know? Ha! Yeah, well, so did Terry down in IT and now he’s still stuck working. Go talk to him if you don’t believe me! So say, I wanted to maybe put a little something back in my MO Deferred Comp account…how would I do that? It’s easy. Just log on to your account through the Employee Self-Service (ESS) Portal or through Account Access. Click the Access My Accounts in the menu, Choose Contributions, click the Change My Contribution Amount button at the top of the page, and either select a percentage amount or enter whatever amount you’d like to save. Awesome. Sounds easy enough. It is. If you have any more questions, you can visit MO Deferred Comp’s website at modeferredcomp.org or call 800-392-0925 to speak with a Participant Service Representative. Thanks! When did you become such an expert on all this? Oh I’m not, I just watched a few deferred comp videos on YouTube and read a few of their articles! (winks) (rolls eyes and walks away) 1 Tax Cuts and Jobs Act of 2017 2 Assumes a 6% return while employed and 4% return and 2% inflation during a 25-year retirement 3 2017 MO Deferred Comp Retirement & Savings Survey
Was Ultron Actually Preparing Earth for Thanos? | Avengers Infinity War
 
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In Avengers: Age of Ultron, one of Ultron’s most memorable moments is his final conversation with Vision. During their conversation a brief but surprising moment is when Vision agrees with Ultron that humanity is doomed, but from what? Read More: http://www.hybridnetworkyt.com/ultron-preparing-thanos-invasion-earth/ Music: Gloom Horizon by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/) Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100813 Artist: http://incompetech.com/ ★Subscribe Here: https://goo.gl/eMyqR8 Help us make better content by joining our Patreon! ►https://www.patreon.com/HybridNetwork Royalty free music provided by bensound.com Connect with Hybrid Network! ►Website: https://www.hybridnetworkyt.com ►Facebook: https://www.facebook.com/HybridNetworkYT ►Twitter: https://www.twitter.com/HybridNetwork_ ►Soundcloud: https://soundcloud.com/hybridnetworkyt Hybrid Network is a community delivering the best content in pop culture whether it be news, speculation, reviews, podcasts, rumors, & more! We deliver educational & entertaining content leaving each viewer informed on any franchise we cover. Hybrid Network is pop culture annotated. ------------------------------------------------------------------------------------------------------- Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.
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Child Support Modification In Missouri| (888) 529-1389
 
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http://www.edorr.com/ Law Offices of Edwin W. Orr, LLC. 28 N 8th Street, Suite 417 Columbia, MO 65201 (888) 529-1389 (573) 443-2828 Watch Missouri's Family Law Attorney, Edwin Orr, discuss if it is possible to modify child support and what could be the reasons to do so. http://en.wikipedia.org/wiki/Family_law https://www.youtube.com/channel/UC2QhJ6VUYGkQIxNZdZcfC9w Related Videos: https://www.youtube.com/watch?v=l17A68MM4y0 https://www.youtube.com/watch?v=9yHpb96AXfY https://www.youtube.com/watch?v=4jxV7xYxxWo https://www.youtube.com/watch?v=Qv63h3VOmOA https://www.youtube.com/watch?v=SQvZSjyJKzs . . For More Useful & Informational Videos http://www.edorr.com/sitemap-video.xml
Просмотров: 499 The Law Offices of Edwin W. Orr, LLC
Time's A-Wastin' - Saving with Catch-Up Contributions
 
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Time’s a-wastin…wasting in the sense that with every passing day your future retirement draws closer and closer, but possibly further out of your reach. Why? Because if you’re like 36% of Missouri retirees*, you won’t be able to afford to retire due to a lack of retirement savings and will be forced to continue working. As long as you’re vested, you’ll have your defined benefit pension and social security providing you with income in retirement, but it’s simply not going to be enough to get you through. This is why it’s so important to save additional money throughout your career with the state. So what are you to do if you haven’t been saving enough? Well you’re not alone – only 8.6% of state employees are “very confident” that they are building a large enough retirement nest egg, while 49% are not confident at all1. The IRS allows those close to retirement to stop wastin’ time and put away additional money, well past the normal $18,000 annual contribution limit, in order to “catch-up” on their retirement savings. In fact, Missouri savers age 50 and over can contribute a total of $24,000 into their deferred comp account and those within 3 years of retirement can contribute a whopping $36,000 during the 2017 tax year.** These lofty limits are designed to help behind-schedule savers make up any retirement savings shortfalls by bumping up the amount they can invest during the years leading up to retirement. While they may seem out of reach, they are simply an option for those participating in the MO Deferred Comp Plan. Time’s a-wastin, so log in to your MO Deferred Comp account, boost your retirement contributions, and start saving a little more. *Source: MO Deferred Comp 2016 Retirement and Savings Survey. **The contribution limits in this video are for the 2017 tax year. Visit www.irs.gov for more information on the 457 catch-up provision and to check limits for a different tax year.
Yes, You Really Can Pay for Private School With 529 Plans Now
 
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Yes, You Really Can Pay for Private School With 529 Plans Now Yes, You Really Can Pay for Private School With 529 Plans Now Yes, You Really Can Pay for Private School With 529 Plans Now Subscribe my channel: https://www.youtube.com/channel/UCgW_Eb8uMLsPrv29wclB1BA?sub_confirmation=1
Просмотров: 153 Deb D. Wilson