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Have you or a loved one lost their job recently? Can’t find a new job?

Are you maxed out on your credit cards?

Do you wish you had more time to be home with your kids?

Do you wish you didn’t have to work at all?

Has having “extra money” only been a dream?

 

If you answered YES to any or all of the above then you need to DIAL IN and hear how

YOU can change those circumstances INSTANTLY!!!!

 

Be part of the FASTEST GROWING INDUSTRY!  Learn how to have a LIFE BY DESIGN! 

 

You will be so glad you listened to:

Why Arbonne, Why Now?

 

Dial in this Sunday October 30^th 9:30pm est

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Presented by: NVP Jill Caputo

Message me after the call to join Arbonne jamesstewart@myarbonne.com or just goto my website and join Arbonne.  http://www.jamesstewart.myarbonne.com

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https://www.facebook.com/pages/jamesstewartmyarbonnecom/180759031965554  To like my facebook page.  Go to my website to sign my guest book, http://www.jamesstewart.myarbonne.com  

House Oversight Committee Recommends Extending Pay Freeze for 3 More Years

By Ian Smith

Monday, October 17, 2011

At the end of last week, House Oversight Committee Chairman Darrell Issa (R-CA) sent a letter to the Joint Select Committee on Deficit Reduction (the "super committee") recommending that it adopt some specific cuts to the federal workforce.

Most of the cuts are ones federal employees have heard suggested before in varying deficit reduction proposals. Although none have yet been enacted, they continue to be brought up in different discussions. The proposed cuts include:

• Extending the pay freeze through 2015
  Federal employees' pay is currently frozen for 2011 and 2012. This proposal would add three more years to the freeze.
• Reduce the size of the federal workforce by 10%
  This proposal would reduce the workforce through attrition by hiring one new worker for every three who leave. Combined with the three year extension on the pay freeze, the CBO has estimated $247 billion in savings over 10 years.
• Change pension formula from high three to high five
  According to the letter, the CBO has said that this change would save around $4.4 billion over 10 years.
• Eliminate step increases
  According to Issa's letter, "more than 99.9% of federal employees are awarded periodic 'step' increases based on tenure, although the law requires competent work performance in order to qualify. Approximately one-third of the federal workforce becomes eligible each year for a step increase, a raise worth about 3% of an individual's base pay." The letter also notes that step increases have continued under the current pay freeze. Based on data from OPM, savings are estimated to be around $1 billion in the first year from making this change with "savings increasing significantly in each subsequent year."
• Increase employees' FERS contributions by 6.2%
  The CBO has said this would save around $121 billion over 10 years. The federal government would continue to pay the balance of the normal cost (12.7%) for FY 2012.
• Increase employees' CSRS contributions from 7% to 10% beginning in 2013
  The federal government would continue to pay the balance of the normal cost (25.8%) for FY 2011. According to the letter, by 2013, all CSRS participants will have had the opportunity to put in 30 years of service, thus qualifying for full retirement benefits. CSRS participants still working would be required to "share in the sacrifice being made by the federal employees enrolled in FERS."
• Eliminate FERS for new hires
  This proposal would use a portion of the savings from increasing the employees' contributions to FERS to establish a defined contribution option payable at Social Security age to supplement the TSP. FERS employees with less than five years of service would be moved to this new contribution plan as well. According to the letter, most companies in the private sector have adopted similar changes for their new employees, and such a change would allow the government to "gradually end the fiscally irresponsible practice of accumulating large unfunded liabilities for retirees pensions."
• Limit the FERS minimum supplement to employees subject to mandatory retirement
  According to the letter, the process currently allows a federal employee retiring before age 62 to receive a payment representing the amount he would have received from Social Security if he were 62 the day he retired in addition to his FERS retirement benefit. This change would eliminate FERS supplement payments except for employees subject to mandatory retirement, such as fire fighters and law enforcement officers.

You can read the full text of the Oversight Committee letter and the proposed cuts it recommends.  

© 2011 FedSmith Inc. All rights reserved. This article may not be reproduced without express written consent of FedSmith Inc.

To my fellow federal employee's you need to establish another source of income.  Join me in Arbonne as an Independent Consultant http://jamesstewart.myarbonne.com

 

Product review: Arbonne – protein supplements

Product review: Arbonne – protein supplements

To Purchase, click here and click on shop online.

Frozen Salaries

Hello,
   Its another exciting day in Arbonne.  I know of my many readers, some of you are current clients of mine and some may be future clients.  Now is an exciting time to join Arbonne.  I know with my Plan A employer, the US Gov, we are not getting yearly raises for at least the next two years and probably three.  Most chances for promotions have been frozen due to budgetary reasons.   Unfortunately the life around us continues.  If you are looking for an additional income stream I strongly suggest giving Arbonne a look.  I will be more than happy to teach and train you.  You can have monthly goals to just earn a couple of extra hundreds per month or you can have loftier goals to perhaps earns thousands per month.  Whatever you set your goals at is up to you.  Either way I am here to assist you in your accomplishment of your goals.  It helps me to help you.
  We offer lots of free training with Arbonne.  Its definitely something to look into.  Become a business owner.  We are a 31 year old health and wellness company and we sell over 400 products.  All of our products are vegan certified.  They are all pure, safe and beneficial.  We have products to benefit everyone in your household.   Go to http://www.jamesstewart.myarbonne.com and click on Business Opportunity.  If you sign my guest book I will mail you a free sample.

jamesstewart.myarbonne.com: Are You Tough Enough?

jamesstewart.myarbonne.com: Are You Tough Enough?: The only way to fail is to quit! It's so sad that people quit so soon! They don't even give themselves a chance to succeed. Where will you...

Are You Tough Enough?

The only way to fail is to quit! It's so sad that people quit so soon! They don't even give 
themselves a chance to succeed. Where will you be in 5 years? Do you like what you see? If not, if you want change, you have to do something different if you want to create something different! When the going gets tough, the weak quit. Whereas for others, when the going gets tough, the tough get going! Which are you???


Come join Arbonne.  Own your own business.  You will have the opportunity to meet great people in and out of Arbonne.  You will have the opportunity for an unlimited income.  A chance to build residual income.  A chance to make money that can help you through this current economy.  http://www.jamesstewart.myarbonne.com and click on "Own Your Own Business" for more information.


Maybe your are only looking to be an Arbonne customer, that is ok too.  You can go to the link above and click on "Shop Online".  If you have any questions about either then please feel free to drop me a line and I will get back you as quickly as possible.  I mail out free samples to those that sign my guest book.

Mineral Oil Free

Are you putting petroleum on your skin, worst yet on the skin of your children?

Mineral oil
From Wikipedia, the free encyclopedia
For crude oil found in geological deposits, see Petroleum.


Bottle of mineral oil as sold in the U.S.
A mineral oil or liquid petroleum is a liquid by-product of the distillation of petroleum to produce gasoline and other petroleum based products fromcrude oil. A mineral oil in this sense is a transparent, colorless oil composed mainly of alkanes (typically 15 to 40 carbons) and cyclic paraffins, related to petroleum jelly (also known as "white petrolatum"). It has a density of around 0.8 g/cm3.[1] Mineral oil is a substance of relatively low value, and it is produced in very large quantities. Mineral oil is available in light and heavy grades, and can often be found in drug stores.
There are three basic classes of refined mineral oils:

Cosmetics
Mineral oil is a common ingredient in baby lotions, cold creams, ointments and cosmetics. It is a lightweight inexpensive oil that is odorless and tasteless. It can be used on eyelashesto prevent brittleness and breaking and, in cold cream, is also used to remove creme make-up and temporary tattoos. One of the common concerns regarding the use of mineral oil is its presence on several lists of comedogenic substances. These lists of comedogenic substances were developed many years ago and are frequently quoted in the dermatological literature.

All Arbonne products are made without mineral oil or liquid petroleum.  Arbonne's products are pure, safe and beneficial        http://www.jamesstewart.myarbonne.com

A Healthy Dessert

I wanted to share a recipe for the Protein Shakes that is a spin on another consultant recipe that she shared.  I copied the recipe from a posting on Facebook by another consultant.  I tried it, and it was very good.  I figured I would share it with those who read my blog.  

Arbonne Vanilla Protein Powder

Fiber Boost

Vanilla Almond Milk

Cinnamon to taste

Nutmeg to taste

Apple Pie Spice (McCormack makes it in the spice aisle) to taste

Pumpkin Pie Spice (McCormack makes it in the spice aisle) to taste

Ice

Put it in a Blender and there you go, absolutely delicious.  You can purchase the Arbonne Vanilla Protein Powder and the Arbonne Fiber Boost at http://www.jamesstewart.myarbonne.com