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January 10, 2025 • 43 mins
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Episode Transcript

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Speaker 1 (00:02):
We're just trying to turn a neckele into a dime.
That's the bottom line.

Speaker 2 (00:14):
Welcome to real honest talk about money, politics, news and
information you can actually use. Buckle up and hold on tight.
This is that's the bottom line.

Speaker 3 (00:29):
The best thing the life of free.

Speaker 4 (00:33):
But you can give them to the bath and be the.

Speaker 5 (00:43):
That's hello everyone everywhere, Welcome this is That's the bottom
line with yours truly, Gene Valerani. Your weekly radio broadcast
that tells it like it is on k ld I
Fight sixty an Saturdays at six in the morning and

(01:03):
Sundays at eleven. And also for those of you who
listen to this weekly report online anytime you want to
by logging on to That's the bottom Line radio show
or Savemyretirement dot com. I'm a partner at Asset Growth Associates.
We've got offices located in Dallas, Houston, and Beaumont, Texas,

(01:26):
where we offer investment bench and retirement planning services, as
well as income tax returns for individuals, families, and businesses.
We do it all at Asset Growth Associates, including representing
our clients who may be having difficulty with the irs
often being able to negotiate a settlement or occasionally even

(01:49):
paying nothing at all, sometimes negotiating a fresh start to
As I said, we do it all. We've been doing
it and serving our clients in Texas and Louisiana for
de yasades. Now our Texas offices also provide services for
our clients in southwest Louisiana, and I guess the whole

(02:10):
state of Louisiana as far as that goes. On today's report,
among our topics, we've got comments on the left wing
Manhattan Judge Juan mar Shan about passing sentence on President
elect Trump, but in so doing, what he really wants

(02:30):
to do is he wants to hang the title of
convicted felon on Trump until the higher court overturns it.
That's what that's all about. Today's Dirty Little Secret reveals
Trump's pledge to reinstate those executive orders Biden has been
canceling lately, and his comments on an annexing Greenland and Canada.

(02:56):
Do you really think we're going to do that? I
don't think I don't think so. About who knows? In
our solutions segment listen, Soon after Trump takes office as
president and expectation of a booming stock market is anticipated
plus day's. On today's Solution segment, we're going to provide

(03:19):
some information on how to boost your investment earnings by
using plans that avoid losses. The market goes up, the
market goes down, but if you're in a principal protection plan,
when the market goes down, you stay right where you are.
You don't lose anything. We can also help you with
your tax returns. By the way, when it comes to

(03:42):
investing money for future use, do you know what your
risk number is? You can find out that logging on
to saveour Retirement dot com or what is my risk number?
Dot com? Answer a brief number of questions. The computer
program is going to assign a risk number between one
and ninety nine and show you if you're currently investing

(04:05):
to your individual risk tolerance. Listen, it's free, so why
not look into it? Log on to Save my Retirement
dot com. Do it today, and while you're there, sign
up for a free newsletter which offers a lot of
tax and investment tips. Well, I've got a lot to cover,
so let's get started. You're listening to that's the bottom

(04:26):
line on KLBI, the broadcast that tells it like it
is so well, the drama of sentencing Donald Trump of
committing a fellaty by Manhattan Judge one Marshaan, He's going
to do it only to have Donald Trump enter the presidency.

(04:48):
Is the first president ever to take the office oath
of office as a convicted felon. Well, that's what you know,
that's what they want to do. That's the whole point
of going ahead and were rushing to do it unless
the court has already turned it over before we uh
went went to air this morning, Judge marshand passed sentence

(05:11):
and then withheld putting mister Trump in jail. That's what
he did. It was all part of the plan to
make sure the Democrats would have the ability of calling
our newly elected president a convicted felon. Of course, the
case will be eventually thrown out, but they just had
to do it before mister Trump took office of the

(05:33):
news media could call Donald Trump a convicted felon for
having had an alleged affair with stripper Stormy Daniels. For
it never and if fair Trump has denied, he denies
it ever happened, and a but a prosecution by Alvin Bragg,

(05:53):
the cobble together a series of potential possible misdemeanor payments
Trump allegedly made to the woman so they could try
and create a felony conviction. So what they're doing, they're
abusing the law. It's going to be thrown out on appeal.
But the New York Democrat Judge Marshand and Democrat prosecutor

(06:17):
Alvin Bragg just had a twist of law enough to
get that jury from last year to render a guilty
verdict before the before Trump went into took office as president.
Trump was still elected and he's going to assume the
presidency as was expected that because what the judge is

(06:41):
going to do would suspend the sentence, right, they just
wanted to hang the title convicted felon around Trump's neck.
So they've chosen to do this just prior to taking
his taking the oath of office as president on January twenty.
But it just goes to show the American people how
corrupted Democrat Party has become in recent years. The timing,

(07:03):
as I understand it, was coordinated in such a manner
as Trump's attorneys would have no time to file an
appeal and have the conviction thrown up prior to him
assuming the presidency. But Trump still has an appeal other

(07:24):
than that it serves no useful purpose. Trump will still
take the oath of office and once again become President
of the United States. If anything, the only thing Judge
Marsand and Manhattan Prosecutor Alvin Bragg accomplished was revealing themselves
as being unjust left wing partisans with no respect for

(07:46):
the law. But then, most Americans are aware of our
politics in and of itself have become very jaded in
the present situation here in the United States. Once Trump
takes control of the presidency, in the process begins to
deport criminal illegals, the transition to law and order will

(08:08):
slowly but surely settle in in this country. We can
only hope the Justice Department will be renewed under the
new Trump presidency, and justice will once again be renewed
within the federal government itself. First will come the mass
deportation of the illegals, followed by reinforced FBI once again

(08:29):
carrying out its duties lawfully instead of politically. How effective
mister Trump will be once he assumes the office will depend,
of course, on his ability to separate the week from
the shaft, as they say, within the halls of the government,
allowing the government to operate without the impediment of politics

(08:54):
being mixed into the whole deal. So this is really
why politics and general well can take on the aspect
as being something less than honorable. I guess that's what
depends who's running the show, right. What makes it that
way is when those we elect to Congress and the

(09:15):
Senate go there and begin paying more attention to the
special interests instead of we the people who elect them. Well,
we have a lot to talk about this morning, so
don't go away. We have to take a short break.
We'll be right back with more.

Speaker 1 (09:33):
We're just trying to turn a nickel into a dime.
That's the bottom line.

Speaker 5 (09:40):
The power to tax is the power to disproy. Taxes
affect your paycheck, your plans, and even your peace of mind.
But this tax season leads the stress to us. This
is Gene Balleraniut Asset Growth Associates. We make filling income
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(10:05):
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er visit savemretirement dot com. Do it today. Taxes are everything,

(10:28):
Let's make them work for you. Are you thinking about
starting your Social Security benefits early? Before you decide, let's
talk about the big picture. Claiming benefits before your full
retirement age, whether it's sixty six, sixty seven, or somewhere

(10:49):
in between, can reduce your monthly income by up to
thirty percent. That could mean thousands of dollars less every year,
and once you art, there's no going back. Here's the
unintended consequence. That smaller check could limit your ability to
enjoy retirement, cover healthcare costs, or leave a legacy for

(11:13):
you and your loved ones. And if you live longer
than you expect, those reduced benefits might not be enough.
But don't worry. We're here to help. At Asset Growth Associates,
we specialize in creating smart strategies for Social security and
retirement income. Will help you maximize your benefits and secure

(11:38):
your future. Call four oh nine eight four sixty nine
one hundred today or visit savemyretirement dot com for your
free social security analysis. Let's make sure your retirement works
for you, not against you. Plan smarter retire bet. Don't

(12:05):
call an unknown eight hundred number. Instead personally meet with
us to review your I R S problem. And if
you want to pay the I R S nothing or
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start agreement with the I R S.

Speaker 6 (12:23):
We can help you. Ladies and gentlemen can.

Speaker 5 (12:25):
Call us whole free at one eight six six seven
two eight three six nine seven.

Speaker 7 (12:31):
We're just trying to turn a nippel into a dime.

Speaker 4 (12:35):
That's the bottom line.

Speaker 3 (12:42):
We can't even walk free.

Speaker 5 (12:57):
WAT Welcome back, babies and gentlemen you're listening to. That's
the bottom line. Your weekly broadcast on KLVI. That tells
it like it is well. This past week and coming
President Donald Trump expressed interest in purchasing Greenland from Denmark

(13:22):
and using it to supply the United States with a
host of natural resources. Greenland is a possession of Denmark,
and according to press reports, the Danish government has expressed
no interest in selling it. Nonetheless, Donald Trump sent his
son Donald Junior to the island on a goodwill visit

(13:45):
to see if the Danes might change their mind and
sell it to the United States. From Trump's point of view,
Greenland's massive amounts of natural resources could be purchased for
less than the value of its natural resources. King Frederick
the Tenth is the current reigning monarch of Denmark and

(14:09):
has expressed no interest in Trump's approach to possibly purchase
Greenland from Denmark. Such a sale would provide the United
States with a mass of the Mouth of more natural
resources which could be mined and sold the world over.
Trump has also expressed an interest in the United States

(14:31):
annexing Canada as well. Recent news with Canada's Prime Minister
Justin Trudeau announcing he was planning to resign as soon
as the Canadian government found a replacement for him. So,
with Trump having eyes on the rich resources of America's

(14:52):
neighbors to the north, it could conceivably become possible that
the United States would eventually both Greenland and Canada and
taking advantage of large land masses, rich and natural resources.
But at this stage it's nothing more than talking points

(15:13):
thoughts of expanding America's might in the world, and since
the King of Denmark and a Trudeu replacement shows up,
it's probably nothing more than something to talk about. So
while it seems unlikely the US would soon be annexing
Greenland and Canada, it would be very unlikely to happen

(15:36):
at the present time. That's that's my opinion. Maybe I'm wrong,
I don't know. Still, in a world where countries like
China and even Russia have their eyes on taking over
new territories, it would only make sense for incoming President
Trump to look into doing the same thing, especially if

(15:56):
it would boost the economy of the United States and
the process. Another question would be how the people of
Canada and Greenland would feel about being annexed by the
United States. They probably be in favor, I would tell
you the truth. Maybe the Canadians wouldn't, But I don't
even know about that. Odds are they might prefer, you know,

(16:19):
in the end, they might say, hey, this is a
good deal. They might prefer being part of the United States.
At least some probably would if it meant a boost
in their standards of living. From everything I hear, Canadian
Prime Minister Trudeau isn't very popular with the Canadians, and
the Canadian people might very well be in favor of

(16:41):
becoming part of the United States. It's not like we
would just take them over, though any notion of annexing
another country to the United States would probably have to
be voted on by the people living there as well
as the people living here, don't you think. But all
that aside, it's not like we would be sending the

(17:04):
US armed forces into Canada and Greenland to take them
over by force. That that would not happen, and as
matter of fact, that would never happen, and probably in
the big scheme of things, never will. During the War
of Independence the US, the United States, the fledgling US,

(17:25):
when we were fighting the British and seeking our independence,
the United States did send troops into Canada to seize
territory from the British, but failed to keep any territory
that they took over. So it was if it was
ever going to happen, it would have happened back then
when the fledgling United States spotteds were of independence from

(17:48):
the British. But Trump is probably off. What he's offering
is for the Canadians to voluntarily join the United States
and their own of their own volition, not for the
not for the United States to go marching into Canada
and taking it over. Who knows Trump's goals to re

(18:11):
establish America's leadership in the world, secure peace through strength,
we Americans will be having enough trouble with our fellow
Americans who lean left. As it is, we first have
to learn how to get along with each other in
the world before. We have to learn how to get
along with each other first, before we can start dreaming

(18:33):
of acquiring foreign lands. And you know, because that's really
the bottom line, I guess from Trump's point of view,
there's a lot of natural resources that are going unused
and maybe we could get our hands on that. In

(18:53):
any event, it's probably nothing more than talk at this point,
but of course the news media is having a lot
of fun talking about it. Let me ask you something,
ladies and gentlemen, do you know what financial independence means?
I'm going to give you a hint. Financial independence means

(19:14):
you have the ability to meet your financial goals, whatever
they may be. Goals such as providing for your children's education,
are being able to retire comfortably? Also, what provisions have
you made toward being able to handle financial emergencies? Because
they come up all the time, don't they. An Asset

(19:36):
Growth Associates were committed to helping our clients answer those questions.
If those wild swings up and down on Wall Street
have you slightly or even moderately concerned, why not call
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sixty nine hundred take the first step of achieving financial independence.

(20:01):
We're here to help you. Or just a phone call
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my retirement dot com. We're here to help you. We
can do anything that the big wirehouses can do in
investing money, but by the same token, we can also
provide principal protection contracts for you where you can gather

(20:26):
in gains generated by the stock market, but you're never
exposed to losses that are generated by the stock market.
Keep that in mind, all right. I'll be back with
more right after this.

Speaker 1 (20:39):
We're just trying to turn a nickel into a dime.
That's the bottom line.

Speaker 5 (20:46):
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(21:08):
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(21:30):
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(21:56):
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Speaker 6 (22:17):
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Speaker 5 (22:20):
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Speaker 6 (22:30):
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Speaker 5 (22:33):
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Speaker 6 (22:44):
That is what is my risk number? Dot Com? Again?
What is my risk number? Dot Com?

Speaker 1 (22:51):
We're just trying to turn ankel into a dime. That's
the bottom line.

Speaker 5 (22:57):
Welcome back, ladies and gentlemen you're litt listening to. That's
the bottom line. Your weekly broadcast on k l THEI
that tells it like it is. And now it's tied
for what we call on this report the dirty little Secret.
And here's today it's Dirty's little secret. I guess you
could say that President Trump plans, if he can, to

(23:23):
rename the Gulf of Mexico the Gulf of America. And
he also plans to reopen the Keystone Pipeline that Biden
closed as one of his first acts as president. Everything
that Biden has shut down Trump plans to reopen upon

(23:43):
once he becomes president of the United States again. Trump
made those comments this past week from this home at
is Maria Lago, a state in Florida. Biden has been
closing oil and gas exploration sites in the Golf Andrew sites.
Each time that he closes a facility, president incoming President

(24:07):
Trump promises to reopen it as soon as he becomes
president once again. It sounds like some looney game of
lock them All between outgoing President Joe Biden and incoming
President Donald Trump. All that being said, Biden is making
the transition as difficult as he can, but Biden will

(24:30):
no longer be the president, and what he can what
he can order shut down. Trump should be able to
order reopened. Right, So for the next few weeks, expect
hearing about Biden executive orders closing things down, and Trump
promising to reopen any and everything Biden does shut down.

(24:51):
It sounds silly, but it's very serious and necessary for
Trump to get things going rapidly once he resumes the presidency.
On the twentieth of this month, Trump's certification of winning
the presidency went smoothly. Some thought the heavy snowstorm going

(25:12):
through Washington, d C. Might slow Trump's ratification as president.
You know, when they counted those electoral votes this past week.
There were no angry crowds, and Trump's ratification went clean
despite the big snowstorm crippling much of Washington, d C.

(25:32):
Another event to watch for once Trump retakes the presidency
will be his orders releasing many of the January twentieth
rebels who were rioting four years ago, and some of
those who were arrested and jailed following Trump losing the
twenty twenty election and who still remain locked up. Four

(25:54):
years later, a lot of them are going to be
released from their jail cells and set free per order
from incoming President Trump. So the big question remaining is
how Trump plans to deal with those who pushed hard
for his impeachment on you know, the people on the left,
the Democrats, they were trying to impeach him, and for

(26:17):
those who wanted to lock him up. You know, the
entire episode was was one of the most vicious attacks
on an American president. I guess when one is treated
as poorly as Trump was is, you know, was their
their mind would be more focused on revenge than anything else. Right,

(26:40):
Trump returns to Washington, d C. As president, and his
enemies are all left. They're all left standing outside the gates,
so to speak. Can you imagine movie we've just come through,
ladies and gentlemen. I'm telling you this is quite an event.

(27:01):
The fact that, you know, they basically manipulated the votes
and twisted the vote. So Trump was forced out of office,
but a lot of people believe that. But he came back,
and when he came back, what was going on was
the fact that he came back, he came back with
a vengeance. But how everything ends is proof enough that

(27:25):
as bad as his enemies treated him and tried to
detroy him, yet it's Trump who will once again be
taking the oath of office on January the twentieth. He
beat them, He beat them all by defying them from
the start, and did it with courage and conviction enough

(27:47):
that he has come out of everything they threw at him,
and he's still standing, including two attempts on his life.
They would be assassin's So I guess somebody up there
must like him, And by that I'm talking about the
higher Power, talking about the Good Lord himself must like
him and like him enough to stand between Trump and

(28:08):
as would be enemies held bent on destroying him, but
couldn't think about that. Come January twentieth, mister Trump will
once again take the oath of office for another term
as President of the United States. He will enter the
office with the firm intention of making America great again again.

(28:29):
Right you got to say again again now because he
said the last time around, and then they managed to
take the presidency away from him. They wanted to put
him in jail. Judge Barshands still going to sentence him
and then supposedly suspend sentence, or he did it already.
Come back such as he had only occurred like this.

(28:51):
You know, things like this only occur in the movies, right,
but it's occurring right here in real life, right before
our very eyes. We're living in the middle of a
historical event, ladies and gentlemen, and comebacks come back such
as he had only occur, only occur whenever events call

(29:15):
for them. I mean, it seems like every time something
comes up that's going to just rattle the world, something
happens and someone arises, and in our lifetime it's President Trump.
Yet everything that happened really occurred. It did occur, and
Trump goes on to retake the country and to prevent

(29:37):
it from being destroyed by shady politicians. Think about that.
Up until now, comebacks like this don't happen in real life.
While true, Well, while future generations we'll we'll only read
books about Donald Trump, we've witnessed his comeback, proving has

(29:58):
often been said that truth is stranger than fiction than
it is. Anyhow, in a few weeks, Trump's gonna again
be sworn and as president, and I'm sure the next
four years will be remembered due to the courage that
Trump displayed in the face of fierce political opposition, that

(30:19):
he withstood everything as political enemies through him. That's what
we're doing. I think we can look forward to the
next after Trump sworn in that the economy is going
to get a nice boost. Things are going to be
going good, and we'll we'll have to see how it
all ends. Be back with more right after this.

Speaker 7 (30:47):
We're just trying to turn a nickel into a dime.

Speaker 8 (30:51):
That's the bottom line.

Speaker 5 (30:54):
Fanning your financial future. Taxes can be one of your
biggest ex fences in retirement, but they don't have to be.
With a tax efficient distribution plan, you can keep more
of what you've worked so hard to say. Here's how
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(31:19):
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(31:43):
Let's make your money last longer and work smarter for you.
Call four oh nine eight four h sixty nine hundred
to day or visit savemretirement dot Com to schedule your
free consultation. Investment deserves a plan as unique as your goals,

(32:05):
smart investments, smart tax strategies. This is Gene Valerati of
Asset Growth Associates. If you've been watching recent news, a
few banks have had a run where customers panic and
withdraw all their money at once, causing the banks to fail.

(32:26):
If that isn't worrying enough. On January first, twenty twenty three,
the Federal Reserve set a new low reserve crunch for
net transaction accounts to six hundred and ninety one point
seven million dollars, meaning that banks with net transaction account
balances up to this amount are subject to a reserve

(32:49):
requirement ratio of zero percent. You heard me right, zero
reserve requirements. Forget fractional reserve banking. How about zero reserve banking?
Why would the Federal Reserve create this environment of uncertainty?
If this is a concern to you, and it should be,

(33:11):
we can show you how to protect yourself and how
to locate and utilize financial institutions with very real reserves,
not zero reserves. Give us a call an Asset Growth
Associates one eight six six seven two eight three six
nine seven. That's eight six six seven two eight three

(33:32):
six ninety seven. You can also reach us locally in Beaumont,
Texas by dialing four oh nine eight four oh sixty
nine hundred.

Speaker 6 (33:42):
Give us a call.

Speaker 5 (33:43):
You'll be glad that you did.

Speaker 1 (33:44):
We'll just trying to turn a nekel into a dime.
That's the bottom line.

Speaker 5 (33:51):
Welcome back, ladies and gentlemen you're listening to. That's the
mottom line. You're weekly broadcast on KLVI. That tells it
like it is. This program is broadcast on Saturday mornings
at six am and then again on Sunday mornings at
eleven am. At any time you want to listen to
this or past shows, you can do that by logging

(34:12):
onto That's the bottom Line radio show or savemiretirement dot com.
You know, we Americans are on the eve of a
new awakening as Donald Trump prepares to once again be
president of the United States. Mister Trump never accepted that
Joe Biden won the presidency back in twenty twenty. Trump

(34:35):
did this time around win and intends to accomplish as
much as he can to reassert the dominance of American
supremacy in the world. Ladies and gentlemen, we're undering a
new period in the life of the United States, and
we're on the eve of an American resurgence. Now would

(34:56):
be a good time to invest money and grow mess things.
One path to financial growth that we still believe to
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(35:18):
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(35:41):
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(36:02):
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in talk to us at Asset Growth Associates our phone
number four oh nine eighty four oh sixty nine hundred
call make an appointment. Can also reach us on the
Worldwide Web by logging on to Save my retirement dot com.

(36:25):
To live in a far away place, pull free numbers
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(36:47):
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(37:09):
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the phone number one eight six six seven two eight
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(37:34):
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Call us to make an appointment, and we will help
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(37:57):
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(38:18):
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ninety seven. Learn more about what we offer our clients.
They say, we're entering a new chapter in American history
with the return of Trump, who will take on the
task of returning prosperity to the American people. Find out

(38:43):
more now about principal protection accounts that do not lose value,
remain solvent during market declines. The market's going up, you're
going to make money and asset growth associates. All you
do is capture the games. You never, you know, ever
get stung with the losses at Asset Growth Associates. We've

(39:04):
been around for decades now. We're helping our clients build
US eggs and providing monthly checks to help them survive
and continue receiving income for the for the for the
rest of their lives. If need be.

Speaker 6 (39:18):
It's it's it's.

Speaker 5 (39:20):
It's been said that investing money in the stock market
call us at Asset Growth Associates because these accounts eliminate risk.
They eliminate financial risk. The plans grow based on market
gains and preserve those gains during market declients. Once again,

(39:40):
we invite phone calls. Four oh nine eight four oh
sixty nine hundred are toll free. Called to live in
a far away place. One eight sixty six seven to
eight three six nine seven. That's the toll free number.
Easy to remember, one eight sixty six. Save my retirement.
You can log on to Save retirement dot com. Reach

(40:02):
us on your computer. Okay, we're going to be back
again with some closing comments.

Speaker 1 (40:07):
Where just trying to turn a neckline, that's the bottom line.

Speaker 7 (40:15):
Where's just trying to turn a necke in.

Speaker 8 (40:18):
That's the bottom line.

Speaker 5 (40:33):
Welcome back, ladies and gentlemen. You're listening to that's the
bottom line. Your weekly broadcast on KLBI. That tells it
like it is. And here's something else to think about,
since we're talking about investing money, unless you and your
spouse notify your employer, otherwise, your pension plan will automatically

(40:57):
provide you with the joint and one half survivor benefit.
Did you know that? Do you know that what your
pension benefit will be? Many pensions provide a retirement in
com equal to one half of your last regular working paycheck.
Proper planning prevents poor performance, and this is where we

(41:20):
can help interested parties design a plan to take advantage
of everything available for a successful financially solvent retime retirement.

Speaker 6 (41:33):
The journey of.

Speaker 5 (41:33):
One thousand miles, as they say, begins with the first step.
You've heard that before, a bet, and why don't you
make that first step soon? You do that by calling
us four O nine eight four sixty nine one hundred,
schedule an appointment with us, Come in visit with us,
and we'll be able to share some ideas with you

(41:54):
that have helped others in the past. Nothing complicated about it.
We help people plan for a solvent, successful retirement income
and that's exactly the purpose and you have to do that,
you know. Now, if you want to learn more about
us at Asset Growth Associates, why not log on to

(42:16):
Savemyretirement dot com. Find out more about us and what
we do to help our clients retain value in their investments.
Because when we're not on the radio, we're busy working
with our clients and helping them achieve their financial goals.
We offer principal protection accounts. These kind of plans do

(42:37):
not lose value. Like when when the stock market decides
to have a decline, when something is panicked on mall Street.
The money, the money in the principal protection account, the
market goes down, but the money you've earned stays put.
So that's that's that's one nice thing, right. Why not
call us come in learn more four O nine eight

(42:59):
four O sixty nine hundred. If you live in faraway places,
toll free numbers one eight six six seven two eight
three six nine seven, schedule appointment and we will be
happy to help you save your retirement. Well, time's running

(43:20):
out for today's broadcast. We hope we pass along some
interesting information to you meantime. God bless you, God bless
freedom loving America in general.

Speaker 8 (43:31):
That's the bottom line.

Speaker 2 (43:34):
You can reach asset wealth and sociates not calling one
eight six six seven to eight thirty six ninety seven
are by visiting savemretirement dot com
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