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About Still_Small_Voice

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  1. Still_Small_Voice

    The average American 401(k) balance by age

    I heard of so many people being robbed out of retirement pensions. In my opinion do not trust retirement money unless it is in your own account. The best in retirement accounts available to the common citizen in my opinion and hypothesis are Roth Retirement Accounts. There are other tax free and very low risk options out there that pay good rates of return that I have found but most companies do not offer them.
  2. Still_Small_Voice

    Church rolls out mandatory training on protecting youth

    I hated the Youth Safety Training I was required to take when I was in Cub Scouts because the website did not work. This was tried on multiple operating systems with multiple web browsers. I finally took it on a Macintosh and managed to get the website to work but we would often have to reload the webpages because they would keep freezing up or not loading. Hopefully the church can implement a website that works unlike the Scouts.
  3. Still_Small_Voice

    The average American 401(k) balance by age

    In my opinion the 401K is a secondary savings vehicle and not the primary. You can kiss probably at least 22% of whatever money you have in a regular Individual Retirement Account gone when it comes time to withdraw. A Roth retirement account when you begin withdrawing at retirement is tax free. You also do not have to start withdrawing from a Roth at age 70.5 or face government penalties.
  4. Still_Small_Voice

    The average American 401(k) balance by age

    I do not save in regular 401K and individual retirement accounts anymore. My wife and I save in Roth retirement accounts and other tax advantaged savings. Still, we have about 50% saved according to our age bracket in this survey. I am hoping to have over six times that in retirement savings within nine years. Keep saving and hoping people.
  5. The average 401(k) balance by age by Arielle O'Shea via NerdWallet -- January 31, 2019 A record number of 401(k) holders at Fidelity Investments hit millionaire status in 2018. Not one of them? You’re in very good company: A seven-figure 401(k) balance is the exception, not the rule. In fact, the average 401(k) balance at Fidelity — which holds 16.2 million 401(k) accounts and is consistently ranked as the largest defined contribution record-keeper — was $106,500 as of September 2018. If that still seems high, consider that averages tend to be skewed by outliers, and in this case, that number is being propped up by those rare millionaires. The median, which represents the middle balance between the highs and lows, is just $24,800. The below numbers show how 401(k) balances increase with age, at least until participants start drawing on their money in retirement. Ages 20-29 Average 401(k) balance: $11,600. Median 401(k) balance: $4,000. Ages 30-39 Average 401(k) balance: $43,600. Median 401(k) balance: $16,500. Ages 40-49 Average 401(k) balance: $106,200. Median 401(k) balance: $36,900. Ages 50-59 Average 401(k) balance: $179,100. Median 401(k) balance: $62,700. Ages 60-69 Average 401(k) balance: $198,600. Median 401(k) balance: $63,000. Read more at:
  6. Still_Small_Voice

    Epstein Suicided

    Do not live a life like Jeff Epstein. I will leave this quote here: " . . . and thus we see that the devil will not support his children at the last day, but doth speedily drag them down to hell." -- Alma 30:60
  7. Still_Small_Voice

    Mass Shootings

    These "numerous" mass shooting (eight or more people being shot) are being severely misrepresented by the mainstream media. They are extremely rare. The way the news talks about it you would figure that ten happened in my local neighborhood this week.I consider the mainstream media the biggest enemy of liberty and our Constitution. They continue to pour out fear, propaganda and deceit to the American public to change their minds on our Second Amendment liberties. What they want is to enslave the common people. " disarm the people ― that was the best and most effectual way to enslave them." -- George Mason
  8. Still_Small_Voice

    Welcome to these United States...

    Yep. Some people are far too easily offended.
  9. Still_Small_Voice

    Joseph Smith Translation of Luke chapter 23

    There is one thing I do not understand. Many of the Joseph Smith Translations are contained in the margins of the King James Version Bible. Luke chapter 23 verse 43 is obviously a Joseph Smith Translation correction. Why is it not even contained in the Inspired Version of the Bible? I looked on the website of the Inspired Version of the Bible and the correction is not contained in the book. See for yourself at this website:
  10. Still_Small_Voice

    Joseph Smith Translation of Luke chapter 23

    Thanks for the information Mores. Perhaps the original document that Luke wrote did not have the Greek word for paradise in it. Regardless, the correct translation of Luke chapter 23 verse 43 should read as follows according to Joseph Smith: "And Jesus said unto him, Verily I say unto thee, To day shalt thou be with me in a world of spirits."
  11. Tell me if there are any thoughts on the below writings I have compiled for a spiritual journal: This is regarding a correction of translation in the Bible concerning Luke chapter 23 verses 42-43. A thief hanging on the cross conversed with Jesus as He was also crucified next to him: 42 And he said unto Jesus, Lord, remember me when thou comest into thy kingdom. 43 And Jesus said unto him, Verily I say unto thee, To day shalt thou be with me in paradise. The Prophet Joseph Smith taught: “King James’ translators make it out to say paradise. But what is paradise? It is a modern word; it does not answer at all to the original word that Jesus made use of. Find the original of the word paradise. You may as easily find a needle in a pile of hay. Here is a chance for you to argue with me, ye learned men. There is nothing in the original word in Greek from which this was taken that signifies paradise; but it was: This day thou shalt be with Me in the world of spirits; then I will teach you all about it and answer your inquiries.” (Teachings of the Prophet Joseph Smith, page 309.) The below Joseph Smith Translation of Matthew 27:46-48 reads as follows: 46 He trusted in God; let him deliver him now; if he will save him, let him save him; for he said, I am the Son of God. 47 One of the thieves also, which were crucified with him, cast the same in his teeth. But the other rebuked him, saying, Dost thou not fear God, seeing thou art under the same condemnation? And this man is just and hath not sinned; and he cried unto the Lord that he would save him. 48 And the Lord said unto him, This day thou shalt be with me in paradise. As the Joseph Smith Translation of the Bible was not complete. I believe this passage in Matthew chapter 27 is not correct. It appears the thief on the cross that cried unto the LORD for mercy was not ready for paradise. The correct translation of verse 48 should read replacing the word "paradise" with a "world of spirits." In the spirit world the thief would hear the gospel of Jesus Christ preached to him. (See page 96 of the New Testament 2019 Come Follow Me – For Individuals and Families.)
  12. 'Deep fake' videos that can make anyone say anything worry U.S. intelligence agenciesBy Joe Toohey, FOX 5 NY -- Posted May 06 2019 -- A video of a seemingly real news anchor, reading a patently false script saying things like the "subways always run on time" and "New York City pizza is definitely not as good as Chicago" gives a whole new meaning to the term fake news.But that fake news anchor is a real example of a fascinating new technology with frightening potential uses.I was stunned watching the Frankenstein mix of Steve Lacy's voice coming out of what looks like my mouth."That's how well the algorithm knows your face," Professor Siwei Lyu told me.The video is what is known as a deep fake: a computer-generated clip using an algorithm that learned my face so well that is can recreate it with remarkable accuracy. Read more at:
  13. Still_Small_Voice


    I know someone who is suffering right now. She feels sick and weak all the time and she is about forty-five years old. She has felt this way for over two years. Before her illness she ran multiple marathons and half marathons. She has received multiple priesthood blessings and I pray for her almost everyday. She is still not getting better. It is sad to watch her. She is losing hope and is depressed a lot. I wonder when the hour of her deliverance will come. I am hoping it is not like the woman in the New Testament who had an issue of blood for twelve years before the Savior healed her.
  14. Still_Small_Voice

    Choose the Light

    I really like this video made by the restored church of Jesus Christ. It talks about living on borrowed light and finding our own testimony. I hope you enjoy it as much I did. Watch it here if you wish:
  15. Still_Small_Voice

    Oakland Temple Open House

    I have good memories of the Oakland Temple. My parents were married there and I got my endowments done there before I left to serve a mission. The roof top garden is beautiful.