The Prophets Dollar (Second Edition): A Minister’s Money Management Guide

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State Health. These grants offer the chance for both… Read more. New headspace for Marion Friday, August 30 The Adelaide metropolitan area will soon benefit from an additional headspace centre. This centre will provide tailored and holistic mental… Read more. First Priority Care Centres Open! Tuesday, August 13 The first two Priority Care centres have opened in Adelaide, providing an alternative pathway for patients with non life threatening… Read more. Led by GPs, our… Read more. The truly important figures would appear on the federal balance sheet—if the government prepared an accurate one.

But it hasn't. For years, the government has gotten by without having to produce the kind of financial statements that are required of most significant for-profit and nonprofit enterprises. Treasury "balance sheet" does list liabilities such as Treasury debt issued to the public, federal employee pensions, and post-retirement health benefits.

But it does not include the unfunded liabilities of Medicare, Social Security and other outsized and very real obligations. As a result, fiscal policy discussions generally focus on current-year budget deficits, the accumulated national debt, and the relationships between these two items and gross domestic product. As dangerous as those numbers are, they do not begin to tell the story of the federal government's true liabilities. For the year ending Dec.

Nothing like that figure is used in calculating the deficit. In reality, the reported budget deficit is less than one-fifth of the more accurate figure. One reason: The actual figures do not appear in black and white on any balance sheet. But it is possible to discover them. Included in the annual Medicare Trustees' report are separate actuarial estimates of the unfunded liability for Medicare Part A the hospital portion , Part B medical insurance and Part D prescription drug coverage.

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Were American policy makers to have the benefit of transparent financial statements prepared the way public companies must report their pension liabilities, they would see clearly the magnitude of the future borrowing that these liabilities imply. Borrowing on this scale could eclipse the capacity of global capital markets—and bankrupt not only the programs themselves but the entire federal government. These real-world impacts will be felt when currently unfunded liabilities need to be paid.

In theory, the Medicare and Social Security trust funds have at least some money to pay a portion of the bills that are coming due. In exchange for the payroll taxes that aren't paid out in benefits to current retirees in any given year, the trust funds got nonmarketable Treasury debt. Now, as the baby boomers' promised benefits swamp the payroll-tax collections from today's workers, the government has to swap the trust funds' nonmarketable securities for marketable Treasury debt. The Treasury will then have to sell not only this debt, but far more, in order to pay the benefits as they come due.

When combined with funding the general cash deficits, these multitrillion-dollar Treasury operations will dominate the capital markets in the years ahead, particularly given China's de-emphasis of new investment in U. Treasurys in favor of increasing foreign direct investment, and Japan's and Europe's own sovereign-debt challenges.

That is the total of the average annual accrued liabilities of just the two largest entitlement programs, plus the annual cash deficit. In , when corporate taxable income peaked before the recession, all corporations in the U. Some public officials and pundits claim we can dig our way out through tax increases on upper-income earners, or even all taxpayers. In reality, that would amount to bailing out the Pacific Ocean with a teaspoon. Only by addressing these unsustainable spending commitments can the nation's debt and deficit problems be solved.

Neither the public nor policy makers will be able to fully understand and deal with these issues unless the government publishes financial statements that present the government's largest financial liabilities in accordance with well-established norms in the private sector. When the new Congress convenes in January, making the numbers clear—and establishing policies that finally address them before it is too late—should be a top order of business.

Jensen Comment Let's forget about this debt and entitlement nonsense. President Obama should appoint Nobel Laureate Professor Paul Krugman as his only economic advisor and print all the money we owe without having to worry about taxes and spending and cliffs. Greed is a bad thing, and they need to be knocked to ground level because of their greed.

Added Jensen Comment Whether or not you love or hate the scholarship and media presentations of the University of Chicago's Milton Friedman, I think you have to appreciate his articulate response on this historic Phil Donohue Show episode. Many of the current dire warnings about entitlements were predicted by him as one of the cornerstones in his 's PBS Series on "Free to Choose. At the start of an exam, a student openly wondered, "But Professor Einstein, this is the same exam question as last year!

Question How would you like to retire with a small nest egg that cannot earn as much as one percent per year in a safe investment? A one-year CD gets you a whopping 0.


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A retirement crisis is brewing as workers save too little and companies face bigger pension liabilities. The effect of longer life spans on pension obligations has been dwarfed by the impact of declining interest rates over recent years. Because of the way pension liabilities are calculated, lower rates mean that future obligations are higher today. But interest rates are likely to rise at some point, which will lessen pension obligations.

As a result of falling age-specific mortality, life expectancy rose dramatically in the United States over the past century. Final data for the most recent available show that life expectancy at birth for the total population has reached an all-time American high level, Record-high life expectancies we re found for white females Life expectancy gaps between males and females and between whites and blacks persisted.

In combination with decreasing fertility, the life expectancy gains have led to a rapid aging of the American population, as reflected by an increasing proportion of persons aged 65 and older. This report documents the improvements in longevity that have occurred, analyzing both the underlying factors that contributed to mortality reductions and the continuing longevity differentials by sex and race. In addition, it considers whether life expectancy will continue to increase in future years.

Break The Barriers Holding You Back

Detailed statistics on life expectancy are provided. A brief comparison with other countries is also provided. While this report focuses on a description of the demographic context of life expectancy change in the United States, these trends have implications for a wide range of social and economic programs and issues that are likely to be considered by Congress. Question How is the Federal Reserve under Ben Bernanke destroying pension funds, especially defined benefit pensions like those of teachers, firefighters, police, municipal workers, and state workers, and postal workers.?

There's no worry about Social Security Trust Funds since Congress, in it's great wisdom, emptied those trust funds long ago on things other than Social Security pensions. The net effect is to drive interest rates on savings accounts, Certificates of Deposits, and pension funds to virtually zero. Pension math overwhelmed by discount rate.

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Longer lifespans are putting some pressure on corporate defined benefit plans, but changes in the interest rates used to calculate liabilities are by far the biggest issue facing pensions, writes Vipal Monga. But, as CFO Journal reported last month, that increase is dwarfed by the impact of falling discount rates. DuPont CFO Nick Fanandakis said in an interview that his company tries to adjust its mortality assumptions every year, and any increase in the lifespan of retirees will be insignificant compared to changes in the discount rate.

Jensen Comment University employees in TIAA are given a choice to transfer funds into the riskier CREF equity funds, although there are restrictions on how much can be shifted in any give year. Huszar worked at the Fed for seven years before leaving for Wall Street. From the Journal :. It wasn't long before my old doubts resurfaced. Despite the Fed's rhetoric, my program wasn't helping to make credit any more accessible for the average American. The banks were only issuing fewer and fewer loans.

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Noel Whittaker | Australia's Financial Wizard of Oz

More insidiously, whatever credit they were extending wasn't getting much cheaper. QE may have been driving down the wholesale cost for banks to make loans, but Wall Street was pocketing most of the extra cash. From the trenches, several other Fed managers also began voicing the concern that QE wasn't working as planned.

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