5 months old chihuahua begs the owner not to leave him at the shelter. It's very sad to see


It was very hard to watch RILEY being surrendered because it was like he knew exactly what was happening and after the camera was off he continued to try and climb up his old dad's leg begging him not to do it. He was left because they said he was too vocal, well now he isn't saying anything. He needs help now, the Shelter is FULL! Please SHARE for his life, he is VERY special and a FOSTER or ADOPTER would save him. Thanks!

#A531942 My name is RILEY and I'm an approximately 5 months old male Chihuahua. I am not yet neutered. I have been at the San Bernardino City Animal Shelter since 9/16. I will be available on 9/16. You can visit me at my temporary home at C207.
My former family who owned me for more than a year had to give me up because they thought I was too talkative. But they said that I spend most of my time indoors. I seem to be good with small children.

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
San Bernardino City Animal Shelter
333 Chandler Place
San Bernardino, CA 92408
Phone Number: (909) 384-1304
Closed Sunday and Monday
Ask for information about animal ID number #A531942


STATUS : - Please call the shelter
Can You Trust Your Financial Planner? Here's How To Find Out!

Whether you're thinking about hiring a financial advisor or you're already working with one, you want to make rock-solid sure that the person is someone you can trust, someone who will nurture your hard-earned nest egg, treat it with respect and help it grow.

You yourself have to make the final call as to which planner you'll be working with, but there are some threshold measures you can use to unearth the extent to which the planner is on your side.

The first thing you'll want to know is whether the planner is required to stick to:

a. The suitability standard... or
b. The fiduciary standard

Planners make a big deal over being a fiduciary - and they should. Planners are held to one of two standards: the suitability standard or the fiduciary standard.

The suitability standard has some holes in it bigger than Wall Street. The suitability standard simply says that any investment a planner suggests has to fit the client's financial experience, time horizon and financial objectives.

So what's wrong with that? Actually, it's pretty good as far as it goes. Of course, advisors should not suggest that rookie investors put their money into complicated, sophisticated commercial real estate transactions, for example. And if investors want their investments to pay for a kid's college education in several years, then a planner should shy away from advising those investors to plunk down money into penny stocks, which are really cheap - there's a reason they're called penny stocks - but often go bust in a hurry. Bad bet for the long run. In addition, if investors are looking primarily for their investments to pay most or all of their living expenses, then buying a stock with no dividend would probably be way off-target for their financial objectives.

All of that seems to be just common sense. But the suitability standard comes complete with gaps. It doesn't require an adviser to disclose any conflicts of interest. If planners who are subject only to the suitability rule recommend an investment for which they get a commission - or for which they get a bigger commission than for recommending an investment that's better for you but not as profitable for them - they don't have to tell you what they're doing, as long as their recommendations fall within the range of suitability.

Really. They don't have to utter a peep.

They also don't have to tell you which investment is best for you or costs the least. They could plop three investments in front of you and tell you to just pick one. All they really have to tell you is that an investment is not inappropriate.

The fiduciary standard takes a 180-degree turn. Fiduciaries must, repeat, must legally put the interests of their client - that's you - ahead of their own. If one investment pays the adviser less than another similar investment, the adviser must suggest the one with the lower commission, because it will cost you less. And, of course, you must be told about any conflicts of interest.

In addition, a fiduciary also must tell you not only which investments cost less but also which ones will be the most effective for you.

If you spot the planner hesitating in the least when you ask whether he or she is a fiduciary, start edging toward the door. Someone who's a fiduciary should be shouting that fact from the tallest building in town. Well, OK, maybe there's no need to be that conspicuous about it. Nonetheless, being a fiduciary means that the way the planner approaches his or her recommendations to you must meet a higher standard than a planner who only has to meet a standard of suitability. An advisor who is a fiduciary has achieved a designation which carries a lot of weight - and a lot of responsibility towards the client. That's you.

The next step: When a planner says that he or she is a fiduciary, put them to the test: Ask them to put that fact, as well as an enumeration of the planner's responsibilities toward you, in writing. Again, the slightest hesitation should act as a wildly flapping red flag.

But it's always possible that you may be interested in working with a planner who's not a fiduciary. If that's the case, then require that planner to put in writing that you will be told about any of the planner's conflicts of interest and in addition that the planner will divulge what the commission is on each financial product as well as what recommendations are best for you.

If the planner says anything but "Yes, of course" then run screaming for the exits. They're playing games with you. Don't even trust your pocket change with this person.
Simply put, you want to be able to trust the person who's managing your money or is advising you what to do with it. The first questions you ask when you walk into a planner's office should be about whether the planner is a fiduciary and what commitments to you he or she is willing to put in writing. Don't even sit down. If the planner passes these tests, then take a seat. If not, just spin on your heel and walk out. There are plenty of fish in the sea. There's no reason to buddy up with a barracuda.

Incidentally, many planners will work with clients on a fee-only basis. Instead of getting paid by commissions on products they recommend, or a combination of fees and commissions, they charge by the hour for their advice or take a percentage of the money they're managing for you (usually 1 percent). Their not being paid any commissions should obliterate any conflicts of interest. Still, for your own peace of mind, make sure the fee-only planner is also a fiduciary and will put that fact in writing.

Whether you are saving for your retirement, or about to retire, the recent changes will give you more freedom, choice and flexibility than ever before over how you access your pension savings.

PENSION FREEDOM IS HERE: The power to do what you like with the money you've saved for your retirement - no laws forcing you to buy an annuity and no government telling you what you and can and can't do with your hard-earned cash.

If you want to blow the lot on a sports car, the pension's minister is quoted as saying "you're more than welcome"

1. From age 55 you will have a range of options about how to use your pension if it's the type of scheme where you save into your own pot. These options don't apply if you have a fixed income pension linked to years of service.

2. There is no rule that says you must take money out of your pension from age 55. Many people keep working into their 60's which gives you more time to save and a decade or more of potential extra growth.

3. There are 3 main options for how to take money out of your pension. You can take flexible income, fixed income or take the whole thing as a cash lump sum. With all options 25% can be a tax free lump sum with the remaining taxed as income. This means you could pay zero, 20%, 40% or 45% tax on what you take out of your pension.

If you do use your pension to buy a Lamborghini, you'll pay enough tax to buy the Treasury a Porsche.

4. If you choose flexible income, known as Drawdown, you remain invested and take your money out gradually. You can change the amount you take out and if you die before spending all of it, your remaining pension savings can pass on to your loved ones.

5. The second option is fixed income called an Annuity. There is no flexibility but the peace of mind of a guaranteed income for life will suit some people. If you start with a flexible income you can move to a fixed income later.

6. The third option is taking the whole pension as a single lump sum, but don't sleepwalk into a tax bill, make sure you take advice so that you don't end up paying as much as 45% tax on it.

7. You might inherit more from a loved one's pension. That's because the pension death tax of 55% has been scrapped. If someone dies before the age of 75, with some types of pension, it will be passed on tax free. If someone dies after the age of 75, if you inherit a pension pot from them, it is your income tax rate which applies to whatever money you decide to take out of the pension pot.

Don't fall into the hands of scammers who might cold call you, tempting you to cash in your pension and invest in something with suspiciously high returns. Be on your guard against fraudsters. If it sounds too good to be true - it probably is!
Crossposter Foodblogger, traveller

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