The Godless Witch and Female Blasphemy

Posted by Jim Newman on February 2nd, 2015 – Be the first to comment – Posted in Free speech

femenInna Shevchenko writes female blasphemy is essential to atheism.

It is pleasant to enjoy fully, without compromises, the freedom of speech, to enjoy blasphemy. When it comes to ideas – and let’s not forget that religious creeds are themselves ideas – we should be able to analyse, criticise, mock and do whatever our fantasies allow us to imagine, whether it is offensive to one or not.

It is very offensive to me, as a woman, a feminist and as an atheist, what is said by the Pope and Islam’s Imams. But I don’t start wielding a Kalashnikov; the most violent thing is do is pull my shirt up in front of these people, as a form of protest or just for fun, to see their red cheeks.

They say religious people have convictions. Well atheists have convictions too. Both should be able to express themselves without fear of being shot, whipped or imprisoned.

There is a tendency to draw back from criticism lest we offend but let’s be careful of what that means. As people might request that a sexist-racist-bigoted speaker not be allowed to speak to an opposing community, people must also demand to be heard by those who would quiet them.

The popular criticism of offense police is cried by those in power who facilitate the offense. They may think they are seeking free speech but they quell and mock those with whom they disagree, as then turn and say do not mock me, not wanting free speech to run both ways.

When Justice Holmes penned his free speech support he was also demanding that Vietnam protestors stop their protesting on campus, passing out leaflets, free speech. Free speech claims can be a hammer to enforce a particular view.

Female blasphemy is the most successful vehicle for secularism and freedom of speech. It is a demonstration of our common progress. By expressing rebellious atheism and committing blasphemy, we can destroy the unquestionable myth of super power and holiness that was built around religious ideologies, therefore creating free debates and showing the path towards a global liberation of society.

Jim Newman,

Newer Age Spirituality

Posted by Jim Newman on February 2nd, 2015 – Be the first to comment – Posted in religion

JPSearzes-700x450The New Age is over. So Stone Age. JP Spears and Jator Pierre show us how to be Newer Age. Join this cutting age movement; abandon the dogma.

“Not being spiritual at all is the most spiritual thing you can do.”

“Instead of teaching people how to think positively, we’re teaching people how to think.”

Jim Newman,

The Phil Ferguson Show – 107

Posted by Phil Ferguson on January 29th, 2015 – Be the first to comment – Posted in Uncategorized

Guests – Muhammad and Mya members of Ex-Muslims of North America (more below)

US Market Segment Analysis Ending 2014 (More Detail on post at Polaris Financial Planning)

12-Month Return 3-Year Average 5-Year Average 10-Year Average
Total Stock Market Return 12.56 20.49 15.70 8.10

You can also use this as a guide to check the performance of your portfolio. If the US stock segment of your investments have returned 7% per year for the last 5 years – you may have a problem.

The Swiss Franc

The Swiss central bank introduced the peg in September 2011 in response to investors buying up massive amounts of the Swiss franc as a safer foreign exchange alternative to the euro or the dollar.

In a statement Thursday, the SNB said the franc was now out of the period of “exceptional overvaluation” during which the minimum exchange rate had been introduced.

“The euro has depreciated considerably against the US dollar and this, in turn, has caused the Swiss franc to weaken against the U.S. dollar. In these circumstances, the SNB concluded that enforcing and maintaining the minimum exchange rate for the Swiss franc against the euro is no longer justified,” the statement said.


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Top 5 Reasons to move that old 401(k) – NOW!

Posted by Phil Ferguson on January 29th, 2015 – Be the first to comment – Posted in Investing Skeptically


On of the questions I get asked most is, “What should I do with my old 401(k) or old 403(b)?”

Quick Answer – Move the money into an IRA – NOW! (read more below, if you want details)

A quick definition of 401(k) from Invetopedia….

A qualified plan established by employers to which eligible employees may make salary deferral (salary reduction) contributions on a post-tax and/or pretax basis. Employers offering a 401(k) plan may make matching or non-elective contributions to the plan on behalf of eligible employees and may also add a profit-sharing feature to the plan. Earnings accrue on a tax-deferred basis.

The Bureau of Labor Statistics say that the average person will have 11 different jobs between the age of 18 to 44. That is a new job every 2.4 years. When you move from one job to another you may leave behind an old 401(k). I have had people come to me with many old 401(k)s and they don’t know their options.

There are several things you can do with that old 401(K)

1. leave the money in your former employer’s plan;

2. roll over the money to your new employer’s plan, if the plan accepts transfers;

3. roll over the money into an IRA;or

4. take the cash value of your account.

If you take out the cash you will likely be subject to a 10% penalty and taxes on the amount you withdraw. If you take $100,000 of that old 401(k) you will pay the $10,000 penalty plus federal income tax at your marginal rate which could be as high as 39.6% AND state income tax. If you live in a high tax state you could lose more than half of the money.

You don’t want to leave the money behind in your old 401(k) and you don’t want to move it to your new job. 401(k)s are a nice idea but they also have some serious problems. While, you almost always want to collect the free match (if provided) from your employer you may not want to put in any extra money. ( I will do a post on this soon).

There are problems with 401(k)s:

1. Limited options

2. High and expenses are higher

3. No or poor advice

4. Poor performance

5. Loss of control (your company can change the plan without your consent)

You want to move the money out of that old 401(k) as soon as possible! You have all of the problems listed above but you may have some additional problems with an old 401(k) if you wait.

You may move and lose contact with the old 401(k).

The company goes out of business and you have to find the old 401 (k).

This can add extra work and stress to get the money moved and it gets worse with time. If you have an old 401(k) move it!


Listen to The Phil Ferguson show here….

iTunes link….

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Please like The Phil Ferguson Show Facebook page…

For more information visit Polaris Financial Planning or

send me an email: [email protected]

NOTE: This post is part of an ongoing education series. This information is for educational purposes only. This information does not constitute investment advice. Please consult with your financial advisor before taking any action.

The Phil Ferguson Show – 106

Posted by Phil Ferguson on January 27th, 2015 – Be the first to comment – Posted in Uncategorized

Guests – Jason Torpy, Mario Mouton & Joey Kirkman (more below)

The price of oil. Is it just supply vs. demand?

Story on oil from Forbes.

Initial Jobless Claims….

A measure of the number of jobless claims filed by individuals seeking to receive state jobless benefits. This number is watched closely by financial analysts because it provides insight into the direction of the economy. Higher initial claims correlate with a weakening economy.

Unemployment rate is now 5.6%

Stock Market Returns (link for all of the numbers discussed in the show)

The Vanguard Total Stock Market Fund was up 12.43% (2014)

Investing for just 5 years, the worst case is a loss of 2.35% and you have a 90% chance of doing better than -0.47% in total returns. When you look at the 10 year results the worst is -1.38% and there is a 90% chance that you will do better than +5.86%.

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The Phil Ferguson Show – 105

Posted by Phil Ferguson on January 26th, 2015 – Be the first to comment – Posted in Uncategorized

Guests – Lauren Lane & Steve Hill

Investing Skeptically – Women And Investing

- Women make less

- Women live longer

- Women have lower financial literacy

See the two examples of a man and a woman that try to save enough for retirement.

I recommend you read this book….

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