Omlægningen fra Kapitalpension til alderspension, en gevinst for alle, men også pensionskunderne?

Jeg har med mit indlæg, taget dele af nyheds-stoffet og artikler fra b.la. dagspressen, for at stille spørgsmål om, hvorvidt omlægningen fra Kapitalpension til alderspension, har været omkostningfrit og i pensionskundernes interesse, eller statens gribbe og banker/pensionskasserne har scoret kassen igen.... Som en overgangsordning får pensionskunderne muligheden for skære 2,7 % af afgiften, når de omlægger deres kapitalpension til en alderspension. 


Update: endelig kom den udmeldingen omkring gevinsten som bankerne og pensionsselskaberne får ved omlægningen - her

18 Nov 2014 Dine pensionspenge bliver investeret i sort energi. Danskernes pensionspenge sendes direkte i lommerne på olie, kul og gas-industrien frem for grønne virksomheder, konkluderer en rapport fra WWF.



Ifølge EB.dk, ved nytårsaften 2014, lukker gaveboden, som i to år har skaffet statskassen en gevinst på knap 60 milliarder kroner. Gaveboden åbnede, da S-R-SF-regeringen i 2012 finansierede sin skattereform ved at fremrykke skatten på kapitalpensioner.

Uden gevinsten vokser det offentlige underskud fra 22 milliarder kroner i år til 60 milliarder kroner næste år. Så stiger statens minus fra 1,2 procent til 3 procent af bruttonationalproduktet, BNP.

Det skyldes ifølge Finansministeriet 'bortfaldet af midlertidige indtægter fra omlægningen af kapitalpensioner'. Det er henholdsvis 29 og 30 milliarder kroner i 2013 og 2014.

Hertil kommer et minus på fem og tre milliarder kroner, fordi flere har fået udbetalt deres kapitalpension i de to år, viser Økonomisk Redegørelse.

Kapitalpensioner beskattes normalt med 40 procent, før de udbetales. I 2013 sænkede regeringen skatten til 37,3 procent, hvis ejerne betalte skatten forlods. Rabatten er siden forlænget til 2014.

Kapitalpension afløses af aldersopsparing, som beskattes ved indbetalingen.

- Det er vigtigt, at vi diskuterer det. Vi har en enorm pensionsformue i Danmark på over 3000 milliarder kroner og årlige indbetalinger over 100 milliarder kroner.

Finansminister Bjarne Corydon (S) er ikke bekymret over, at staten forgælder sig 38 milliarder kroner ekstra i 2015. Personligt mener jeg han er en "smart" Finansminister som tjener penge til staten, de aktører som han betjener sig af og med, ta' f.eks. salget af Dong til Goldman Sachs, NETS, hvor Staten, Chefgangen hos Dong, aktionærer og Goldman Sachs tjente Guld, men hvem blev sorteper??. Glemmer han sine etiske regelsæt, vælgere og almene skatteydere i Danmark? Skal det være et rigtigt kapitalistisk pengeland, så lad det være, typer det på......

Holdninger til Salget af Dong til Goldman Sachs :

Finansminister Bjarne Corydon (S) kommer til at fortryde udsalget af DONG Energy til Goldman Sachs. Ikke fordi folkeopinionen nu har rejst sig massivt mod regeringen – med 130.000 underskrifter på få dage – nej, snarere fordi Socialdemokraterne lider af et syndssyndrom, hvor toppolitikerne ender med at fortryde deres flirt med finanskapitalen. Socialdemokraterne optræder nemlig aldrig på samme måde før, under og efter en periode med regeringsmagt. Uanset hvor klippefast han kan virke i øjeblikket, vil selv Bjarne Corydon blive indhentet af bondeanger. Før eller siden.

Socialdemokraternes holdningsskift følger nemlig et fast mønster: Inden de træder ind i regeringskontorerne, er de højlydt skeptiske over for ethvert udsalg af offentlige aktiver. Her høres kampsange om den lille mands kamp mod finansfyrsterne. Men i samme øjeblik socialdemokraterne sætter sig ind bag skrivebordene i magtens korridorer, forstummer kritikken straks, og udsalget begynder. Først flere år senere kommer undskyldningerne.......

Men nu afviger vi lidt fra emnet ....

Det er dog en streg i regningen, når mange banker og pensionsselskaber indfører gebyrer i omegnen af 900-1500 kr. for denne omlægning. Seneste tal som jeg netop overhørte i dagens P4 radioavis 17. Nov 2014, er at bankerne tjente 800 millioner på denne omlægning, alene på gebyr, noget der er lidt tankevækkende.

Hæver du din kapitalpension på almindelig vis, har de samme pensionsselskaber og banker nemlig ingen gebyrer for dette. Det er altså udelukkende et ekstra gebyr, der lægges på. Der er altså tale om en ren pengemaskine.

Cannabis combined with radiotherapy can make brain cancer ‘disappear,’ study claims

Published time: November 15, 2014


Two cannabis components can have a significant effect on the size of cancerous tumors in the brain, especially when combined with radiotherapy, according to new research. The study says the growths can virtually “disappear.”

The research was carried out by specialists at St Georges, University of London and published in the Molecular Cancer Therapeutics journal.

There are some 85 cannabinoids in the cannabis plant, but the two that had a demonstrably positive effect were tetrahydrocannabinol (THC) and cannabidiol (CBD).

Combining their use alongside radiotherapy shows a drastic effect, the study claims.

Brain cancer killed around 5,200 people in Britain in 2012.

Tests involving THC and CBD carried out on mice showed that any cancerous growth slowed right down, the scientists said.

“The results are extremely exciting. The tumors were treated in a variety of ways, either with no treatment, the cannabinoids alone, and irradiation alone or with both the cannabinoids and irradiation at the same time,” Dr. Wai Liu, senior research fellow and lead researcher on the project, told Science Daily.

“The benefits of the cannabis plant elements were known before but the drastic reduction of brain cancers if used with irradiation is something new and may well prove promising for patients who are in gravely serious situations with such cancers in the future.”

Possibilities of human trials are being considered by the team responsible for the research.

READ MORE: Cannabis shrinks brain? Study says pot abuse damages IQ


However, the impact of THC has not been found to be consistently positive. Grey matter could be much more vulnerable than white matter to its effects, according to recent research by neuroscientists at the University of Texas.

“The results suggest increases in connectivity, both structural and functional that may be compensating for gray matter losses. Eventually, however, the structural connectivity or 'wiring' of the brain starts degrading with prolonged marijuana use,” Sina Aslan, one of the study's authors, stated.

The Most Important Election You Haven’t Heard Of - November 30th, 2014

by Jason Scheurer 15 Nov 2014

In less than three weeks, the most important election of the year will take place in Switzerland, and you haven’t heard of it. While the U.S. focuses on the recent Republican victory, the financial markets are facing an earth-shaking event on November 30th.

This Swiss election seeks to challenge the paper currency (Fiat/Debt) system of the last forty years and possibly undermine the existing power structures of central banks across the globe by introducing the “Save Our Swiss Gold” initiative.

U.S. elections sway back and forth between Republicans and Democrats, but the monetary system never changes nor is ever up for any real debate. The monetary system of the whole world has been firmly in the hands of Keynesians’ ever since Nixon removed the convertibility of dollars and abandoned the Bretton Woods Agreement back in 1971. A positive Swiss vote would threaten this by once again providing the world with a choice between a hard (gold-backed) currency and fiat.

Up until recently, it was the Swiss who were the last holdouts against the Keynesian school of thought. Traditionally viewed as the last bastion of sensible monetary restraint, the Swiss succumbed to the siren call of “actively managed central banking” in September 2011, fixing their currency to the Euro under mounting European pressure.

Somehow, having what the world views as the strongest currency is a bad thing when everyone else is printing like crazy. It wasn’t so much the success of the Swiss currency during this Depression 2.0 but the failure of the rest of the world to restrain itself that lead to its appreciation.

Central bankers hate gold, or any hard currency restraint, because it limits their ability to tinker with the system (see FDR executive order 6102). On November 30th, Swiss voters will go to the polls to reassert their historical position of backing their country’s currency with gold, and possibly setting off a new revolution across the financial world by giving people a real choice.

Cosmic Vision News 15. November 2014 CET

Cosmic Vision News: CVN vært, Geoffrey West tilbyder nyheder, kommentarer og lejlighedsvis diskussion om de seneste begivenheder, der udspiller med hensyn til, hvad der formodentligt er den vigtigste begivenhed for at forbedre den menneskelige og planetariske tilstand: AFSLØRING. CVN fremmer og tilskynder til modig dialog på verdensplan, mens de forbereder alle til re-introduktion af vores galaktiske familier. CVN omhandler også aktuelle begivenheder, der understøtter et skift til en fredelig planet. Geoffrey West er en del af det team som står bag: GoldenAgeOfGaia.com, kan lyttes til direkte/downloades/MP3, smides på en USB nøgle/iPhone og lyttes til på din vej. Husk tidsforskellen på udgivelsen. Direkte Link her (blogtalkradio) 

1. BREAKING THE BANK:  WHISTLEBLOWER BLOWS LID OFF BANK CRIMES.  ( 01:06 MARK )
2.  G20 LEADERS SUMMIT BRISBANE, AUSTRALIA 15-16NOV.  (13:24 MARK )
3. GORBACHEV: EUROPE RISKS BECOMING ‘IRRELEVANT’.  ( 20:32 MARK )
4. BOE INTRODUCES RULES TO REMOVE TAXPAYER BAILOUTS OF BANKS.  ( 25:50 MARK )
5. CANADA - CHINA SET UP CURRENCY HUB; WILL BYPASS THE US DOLLAR NOW.  ( 30:20 MARK )
6. RUSSIA REMOVES 'PEG' TO US DOLLAR AND EURO.  ( 33:20 MARK )
7. CITIZEN IN ILLINOIS ARRESTS PARK BOARD MEMBERS.  ( 38:35 MARK )
8. PROBE LANDS ON COMET; LARGER MYSTERY UNFOLDS ABOUT POSSIBLE SECRET MISSION.  ( 42:32 MARK )
9. EUROPEAN SPACE AGENCY PROJECT TO 3D PRINT MOON BASE.  ( 52:05 MARK )
10. NO UPDATE THIS WEEK ON PRG TWEET/EMAIL CAMPAIGN.  ( 54:32 MARK )
11. MOZILLA AND TOR TEAM UP FOR INTERNET PRIVACY.  ( 55:30 MARK )
12. OBAMA ADDRESSES NET NEUTRALITY ISSUE.  ( 63:16 MARK )
13. LASER LIGHT THERAPY AND HEALING.  ( 67:01 MARK )
14. FINAL WORDS:   ‘REMEMBRANCE DAY’ AND ‘RE-MEMBERING DAY’.  ( 74:50 MARK )
      

The Common Pitfalls of Manifestation -Teal Swan-

Published on Nov 15, 2014

Subscribe to Weekly Podcast of Tea Time With Teal here: http://thespiritualcatalyst.us6.list-...
In this episode, Teal details the pitfalls one can fall into when they have committed to the practice of manifestation. It is very easy for people who are deliberately practicing the art of creating their own reality to unintentionally and innocently do damage to themselves and others. This episode tells you what to watch out for so your manifestation experience can be the best it can be.
http://www.askteal.com
Kuan Yin's Mantra (c) 2002 Lisa Thiel - used by permission http://www.sacreddream.com

Help us caption & translate this video!

http://amara.org/v/Faul/

http://tealswan.com/about-teal

Spiritual Bypassing - Teal Swan

Spirituality 2.0 (How to Set Yourself Free) - Teal Swan - 

 

Spirituality 3.0 (The Path of Choice) -Teal Swan- 

 

 

Healing a Broken Heart by Archangel Michael

Kanaliseret af Natalie Glasson 14-11-2014 
© 2014 Omna.org


I am Archangel Michael and I bring forth a soothing balm of light to gently and easily heal your heart and all the thoughts, emotions and feelings connected to your heart chakra. I have a role of bringing your heart chakra into the light and loving vibrations of the Angelic Kingdom to further more recognise the Creator within your loving heart energies.

The heart chakra is so expansive, its energy and abilities are beyond any imaginable thought. Your heart chakra at a physical level is the key to unlocking and experiencing the heart energy and consciousness of the Creator. Imagine existing in and as the heart chakra of the Creator, it has a capacity to love on such a large, limitless and extreme level.

Nothing is too small or large, too important or unimportant to be engulfed in the loving heart of the Creator. When you connect into your own heart chakra you are connecting into the heart chakra of the Creator, you are drawing upon, channelling and experiencing the supreme love of the Creator; a love that is beyond any boundaries and limitations. The more you connect with your own heart chakra seeing, sensing and acknowledging it as a portal and limitless gateway to the Creator the more you will develop your capacity to love in all situations and experiences. Love is healing and truthful, when you enhance your capacity to love you allow yourself to become the consciousness and energy of the Creator in manifestation.

Omnec Onec Presentation and Interview From International UFO Conference from October 2014

http://ufo-konferanse.com/

Del 1: Omnec onec er født og opvokset på Venus. Venus er ofte omtalt som vores søster planet i dette solsystem. Denne planet er meget interessant for os, fordi længe siden gennemgik Deres samfund den samme proces som Jorden er i vores NUET, kaldet Ascension. De lever nu i den femte dimension. Selvom Venus virker alt for varm og komplet ubeboelig planet, i den femte dimension, er den i virkeligheden smuk verden med krystal byer. Et af Mike Quinsey kontakter, Ker-On, (samt SaLuSA) er fra Venus, har undertiden talt om hans egen verden. Vores galaktiske venner fortæller ofte om, menneskelignende ET der i forvejen lever blandt os. De er her for alle mulige grunde. Nogle er allierede for Galaktiske Føderation og arbejder aktivt på forandring på denne planet, mens andre med forskning og endnu andre er her bare for oplevelsen. Omnec onec har levet på Jorden siden hun var 7 år gammel og har levet på hendes egen plant i 130 år (menneskeår). 

Kilde: 

AE911Truth News Updates - november

Why Do Good People Become Silent—or Worse—About 9/11? Part 12: Signal Detection Theory “He indicated that he believed the official story about 9/11, so we told him about WTC 7, about the symmetrical free fall and how this cannot happen without controlled demolition. He gave us a blank stare for a few seconds and then said... Read more Cyrus Vance, Jr., Manhattan D.A., On Notice, Again — AE's Report to the Public After consulting with many sources and experts, we noted that the Port Authority of New York and New Jersey, which has public responsibility for security of the buildings of the World Trade Center and is subject to the jurisdiction of the State of New York, had entered... Read more NIST's WTC 7 Reports: Filled with Fantasy, Fiction, and Fraud or . . . Why 2,300 Architects & Engineers Demand Independent Investigation The agency became highly politicized during a Clinton-era restructuring. "In essence," recalls a NIST whistleblower, "we lost our scientific independence, and became little more than 'hired guns'"... Read more Down Under 9/11 Blogger Dreams Up Episode for Dr. "Bones" Brennan You know Bones — the American television crime series? It is a pity they didn't do an episode where Dr. "Bones" Brennan investigates "Cold Case — Deutsche Bank 9/11." Anyway, it would be too easily solved. Because the abundance of bone fragments from the World Trade Center's Twin Towers on 9/11 is the smoking gun — the bullet... Read more

Message from the Arcturians: Stepping Out of the 3D Matrix

http://arcturi.com 

Arcturians er en race, der kommer fra den blå planet, der kredser den røde kæmpestjerne Arcturus i Bootes konstellation. Arcturus kredser cirka 36 lysår fra vores solsystem. Arcturians er den mest avancerede civilisation i galaksen, transcendere ind i 4. og 5. dimension. Mange kender Arcturians, som velvillige væsener. Men hvad kun nogle ved, er læren som Arcturians følger. Indhyllet i mystik, og tabt i de åndelige oversættelser gennem kommunikation og kanaliseringer af Arcturians til mennesker, en race af væsener synes at eksistere og kommunikere fundamentale love, der styrer eksistensen af ​​fred, kærlighed og glæde. Denne grundlæggende lovgivning tillader Arcturians at skubbe i retning af højere planer af eksistens og give mulighed for fortsat vækst i et begrænset fysiske univers. Arcturians menes at komme fra en kredsende himmellegeme, der ikke har været opdaget af jordiske astronomer.

Kanaliseret af Suzanne Lie 13-11-2014 
© 2014 suzanneliephd

Your persistent memory of human, physical incarnations has limited your consciousness to the habit of only perceiving third-dimensional patterns of light. Hence, expressions of your self that are calibrated to the higher dimensional grids of Earth’s holographic matrix are lost to your physical awareness.

‘Rosetta mission could unlock key to alien life,’ says lead Philae lander scientist

The Rosetta mission’s historic landing of a robotic spacecraft on a comet has brought to a head one of humankind’s timeless questions: are we alone in the universe? For the project’s leading land scientist, that answer may soon be on the horizon.

After a tense seven-hour wait, the lander module Philae touched down on the surface of Comet 67P/Churyumov–Gerasimenko at 16:03 GMT on Wednesday. The European Space Agency’s (ESA) mission control in Darmstadt was beside itself with joy. The impossible had become reality. And it was only the beginning.

READ MORE: First #CometLanding in history as Rosetta's Philae touches down

Soon, the first descent image came in, the clarity of the comet surface seemingly from a Hollywood blockbuster. Despite that amazing feat, what follows could revolutionize our understanding of life itself.

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