now, apply that logic to your 401(k). do you really want to invest into the same company paying your salary? what if you work for enron or eastman kodak for more recent unsavory example. you lose your time of savings. wow, that's really bad. you probably feel like you understand the company you work for. i don't want excuses in you're investing in what you know. that excuse doesn't cut it. diversification comes before everything else when you're investing. never put retirement money in the company you work for. stick with cramer if you want to know more about how to manage your money so you can build lasting wealth for you and your family, especially during retirement. stay with cramer. >>> everybody wants to get rich quick, except perhaps some hippy types who doesn't believe in currency. anyone who tells you he's got a way to make an obscene amounts of money is usually some kind of scam or something very illegal. a la mr. white's meth operation in breaking bad. the most reliable way get rich is to do it slowly and carefu

what happened with the introduction of the 401 k plan? most of us know because we've experienced it. employees sat in maybe a one-our education meeting. we got a brother sure that explained the plan. we got a list of mutual funds that we could invest in usually actively managed funds. a bunch of us got these sliders. unfortunately i helped design this one. today it might be a website. maybe it's an app on the phone. all those things are silly. every one of them. hospitals, manufacturing firms, newspaper companies hired professional help and advisors when they faced the responsibility but yet we expect the employees of these same companies, nurses, assembly line workers, writers to figure out how much to save and how to invest their 401 k accounts. is it any surprise that more than half of americans in a 401 k consider their plan more complicated than their healthcare? is it any surprise nearly half of the workers in america have no idea how to invest their 401 k and for a third of them it causes major stress in their life. is it any surpr

a tip on how i match my own 401(k). advantage of the 401(k) plans contribute on a monthly basis and usually, that's awesome. every month. taken out of your paycheck. so maybe 112 total, contribution. that's all i ever hear people do. they're on autopilot. there are people who will tell you to just leave this alone. just passively invest it like that over time. i am not like that. why? because there will be times the market takes a hit and you want to capitalize that. you want to be able to profit from it. why would you contribute the same amount every month when prices can differ every month? would you want to invest the same about when the market is nearing the top than the bottom? so, you're saying you can take advantage of a big decloin in the market when you have a long time horizon, buy not reasons to weep and tear out your hair. when you get a correction, double down. that month, you put in twice your normal contributions. one sixth over the course of the year. inste that would make a lot of difference in the long

ris k*en, can i ask a question, please. so, when we met, we discussed locations where meters were placed and may not necessarily be locations where meters are necessary. what happens in that case? are those meters put into reserve or, i mean, are you able to use those meters and allocate those meters in new locations that traditionally don't hold meters? >> so, it's possible if we had new meters that were in good condition that we were removing for whatever purpose that we would have those then available for basically the purposes that are within the option that we've outlined in this contract. it's not something that happens all that frequently and in turp terms of existing meters, we wouldn't repurpose those anywhere because they're of the old technology that we're trying to phase out. we have begun an evaluation of the specific areas that you and i talked about, specifically golden gate and turk and we're kind of constantly as a matter of course evaluating parking management controls that we have, whether it's time limit

supervise core farrell, aye, supervisor k*im, k im, aye. supervisor mar, mar, aye. supervisor tang, aye. wiener, aye, supervisor yee, yee, aye. supervisor avalos, there are 11 ayes. >> the ordinance is passed in the first reading, item 14. >> item 14 ordinance appropriating 209 million 955 thousand of general obligation bond proceeds approved by voters under proposition a in the november 200 8th l*ex authorizing the issuance of general obligation bonds for the building or rebuilding and earthquake sift improvement of the general hospital. >> can we do this in-house, this ordinance is passed on the first reading. item 15. >> item 15 is a resolution approving a waiver of the payment in lieu of taxes for fiscal years 1991-1992 to 212-2013. >> this resolutions adopted, next item. >> item 16 is if resolution to authorize and direct the competitive sale of general obligation bonds not the exceed approximately 210 million for the san francisco general

k even though it is a 30 year plan and you have to figure out what has to be done in prop k. and what has to and what has been done in prop k and what has listed on the books and what has to be due in the future, and this sort of thing before you move forward with anything else. and so i think that you should take all of that into consideration before you take any action on this item. thank you. >> thank you. and any other comments from the public? and seeing none we will close public comment. >> okay, could we take this item same house same call? >> and item passes. >> next item. >> item ten, approve the scope of work for the development of a strategic analysis report (sar) on local and regional bike sharing organizational models and appropriate $43,000 in prop k funds, with conditions, for the sar. >> this is an action item. >> commissioner cohen? >> thank you very much. i just wanted to go on the record to express my disappointment that there are no bike share happening in the south east part of the city. according to this scope of work. and i am just curious to know what

those programs are highland on k q e d website. we have a couple of events. from 3 american think indian families compete in bare horseback riding and on november 25th k q e d at 9:00 p.m. will be showing a proposed abortion incline. and on tuesday notify 27 we will be showing you a film with a one half how has children that have health programs. go to our website k q e d.com and let's get on with the program. >> we're waiting for the honorable mayor to show up but that's okay. how many vendors do we have here right now? veterans come on up and form a line right here. how soon a big round of applause for our veterans? (clapping) >> one of the things about our veterans and we've always honor our veterans regardless of the war and battle and conflict. our indian people have always honored our veterans. before joining the marine corp. they had a dance for our veterans. we'd go home, we'd be honored our families would dance beside us. the singers almost always our relatives and when we came back your introduced to the black leggings warriors society. regardless o

we're talking options on the 4301 k. maxed out the 401(k). what else can you do?ax efficient investing is on the list. what does that mean? >> when you're first starting out, funding your 401(k) and roth, you can have your overall diverse fid portfolio in each one. both are tax deferred and/or tax-free. once you start investing more, and i like it when people have tax-free money in a roth and after-tax dollars to deal with once you get to retirement. makes tax planning lot easier. once you get to the level where you're saving outside of retirement accounts, you have to have the allocation, large cap, small cap, international, he americaning markets, bonds, real estate, all of those different assets, you have to hold them in the right accounts. so the best things to hold once you start saving outside of your retirement accounts are index funds or etf's in your taxable account because they are longer-term holds, don't kickoff a lot of tax burden each year, so the average investor loses about 15% of their return to taxes every year. tax efficient investing becomes ve

two prop k. it requires in one prop k request and two propaa request is to design two projects for quarter improvement and broadway chinatown phase. >> that is one bay area grant by mtc and a bag? >> correct. thank you for pointing that out. you have seen this project many times before. this will be a quick reminder for you of the scope. so the corridor improvement project statement -- starts from page 61 of the enclosure. from maclaren park from sunny dale avenue including sidewalks and improving stations. the project development and the phases and this is the design phase. for the dpw chinatown broadway, four allocation request starts from page 81 of the enclosure and this is for the design phase of the complete project between broadway and columbus avenue and broadway tunnel including blvds crosswalk and the lighting. the transportation board also okayed funds for the overall project. >> thank you. hello commissioners. the final request in front of you today is on page 1 of the enclosure. a re

i'm glad you addressed the k-8 issue. i wanted to for the benefit of our colleagues here in the supervisor chambers to stress that everybody will get a chance to benefit from this wonderful program and this donation and certainly the k-8 will be in the next wave. >> we wanted to be in this roll out and didn't want to send technology at this school site without professional development and support. the next phase will include k-8 grades. >> we have questions if you don't mind. >> thank you. to that point, commissioner norton, yes, we will be expanding it out and why we focused on our 12 comprehensive middle schools is because it was a very controlled in a more research model than controlled from central office. but being in a space that we can have 12 leaders that have the same supervisor that get the same kinds of support was really critical in rolling this out. i think we've all recognized that k-8 have different support mechanism and the first conversation we are going to have with the k-8 and the middle school principa

what's k k k k k k k k k k k k k >>> it was always one of oprah's most epic episodes, her favorite things you got a car. and you got a car. too much? >> all right. that was good. >> all right. well, now you can get a few of oprah's favorite things as well, right, renee? >> from furniture to fine article, now, you can own a little bit of oprah's world. >> oprah packing up, cleaning house, auctioning off 600 of her formerly favorite things. what's up for grabs? this 18th century cabinet, opening at 7500. and just think of the pillow talk on this couch. starting bid, 1500. >> you're going to get years and years of mileage out of the stories that are going to be told over this sofa. >> all the worldly furnishings from oprah's home, proceeds going to the girls academy in africa. the auctioning happening tomorrow in california. how you can get in on the action at extratv.com. >>> now, one of oprah's favorite people, cory booker, the former newark, new jersey, mayor just sworn into the u.s. senate by vice president joe biden. >> an interview with d.c.'s newest power player. >> new jersey's pride

the nearest and dear it are the k c e t folks nancy liv stone for one. rusty >> patty and last but certainly not at least the jeff the amazing member of the board he was a respectableer when nobody thought of this was going to happen. we're standing across from a revitalized u.n. plaza with hope in our heart from a city that leads in the art and cultures. and jeff was really a wonderful supporter >> it's my worst nightmare i'm following kari and this is exciting for any donor that's how i felt about bringing this to market street to advance k c e t for new works in collaboration of after the fits with the possibilities of the central corridor. arts transforms neighborhoods especially at night. in the case of k c e t and our master students brings tremendous energy through this door. ac ta inefficient taken the lead in market street focusing on smaller arts organizations. mayor lee our support and enthusiasm is sincere and it makes you a nature leader of this awesome city (clapping) >> having been under no circumstances on the ac t board with 10 years i c

again to reauthorize the prop k to get it completed. now, there is a bus rapid transit on this blvd, but there is no money there for light rail which is grandfathered from prop b into prop k years ago. to your homework and look at what is in prop b and prop k and look at what has to be done and what has been done and you have to go before the voters again to authorize the money in prop k to complete the project in the sales tax now before we look 30 years in the future. thank you. >> steve wu from chinatown cdc. i want to thank the ta staff for a great presentation and laying out a great framework for how to achieve equity in discussions about new transportation revenue. i think it's very important as a board you take a step back and really examine how the revenue being discussed today is being reprogrammed especially with regard to equity. and it's very important to take a look at how new monies will benefit today's everyday transit riders. we haven't seen any analysis of that and i think this lays out a framework of handout you -- how

in a couple years you have to go against the voters again to extend prop k. now, before you ask for this money now, figure out what has been done in prop k, what has not done in prop b and get the money for those items first. fix the system as it is now before you try to go on in the future. i know you are looking ahead to this sort of thing. if it ain't broke, don't fix it. the mta board, there is no reason they ask for this money because they have a budget and they should deal with what they have got and take it from there. deal with their money first. that's what they are there for. thank you very much. >> thank you, miss sacs. and for the record the previous speaker was eric -- from the transit union. anyone else would like to speak? thank you. public comment is closed. >> next item. >> the clerk: the appointment of two members to the citizens advisory committee. >> yes. by way of background, the transportation authority has an 11 member advisory committee. item 4: recommend appointment of two members to the citizens advisory committee action* attachment

the most dangerous confrontations. >> saint paul police k-9 is dead. >> the k-9 officer. >> shot anddog. >> just last month t k-9 from sacramento county shot in the chest while chasing a robbery suspect. he survived. it's a headline that officer ed meyers hears all too often. >> my partner looks out for me. i look out for my partner. >> reporter: partners that do their job without a crucial life-saving tool, a bulletproof vest. that's where sandy mar sell comes in. custom-fitted k-9 vests cost $950. too expensive for most police departments. so sandy a life-long animal lover started vested southwest in k-9s working tirelessly from home to raise the money. >> the dog goes in first. he's a first responder and deserves to have a vest. >> reporter: we met sandy at this massachusetts sheriffs office where six k-9s train every day, jumping hurdles, running through tunnels wearing those vests. sandy started 13 years ago and donations have poured in big and smachl recently allison henry donated her birthday money, enough to vest her local k-9 officer named riker some far, no k-9 has been tur

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like i said, he went into the circle-k. as he's going down to the circle-k from his mobile home, we had a whole crap load from where his mobile home. we knew where he worked and crap load of where he went to circle-k. come back this way, walk, walk wake, up and down. this is where it was. we sat on him, watched him, tagged up a couple srp boxes which is electrical box on the way up to circle k, went inside, stole some beer, that's how we got him arrested. while he was arrested, that's when we started talking about the grab feet feet aloe. -- graffiti. that's when he cried to me like a little boy and told me everything. it's a good deal. >> [speaker not understood]. >> he was cocaine, bad cocaine, he said. we have a lot of meth down there in arizona. so, the next guy that we got, after we did jugs, i'm like, man, this is cool, let's get some more. so, you know, it's addicting to me now. [laughter] >> so, that's right, it's a good addiction, though, right? you know, we got jugs and everything was good, and you know, [speaker

k mart's face book page has been flooded with comments. take a look at what linda wroechlt she said i just removed k mart from a list of stores this holiday season. thanksgiving is a family day, not a shopping day. well, most of the comments are along those lines but there are a handful of people who are defending k mart. this is what jason said not everybody does something for thanks giving maybe people want extra hours. k mart says they do their best to staff those who volunteer to work holidays. >> starbucks plan to hire 10,000 vets and military spouses over five years. former defense secretary robert gates sits on the board and says veterans often have a hard time translating skills in the military into civilian life. in the meantime... a a.mraus for a group of marines headed to san diego from afghanistan. a retired marine heard they spent five days getting on and off planes. their plane taxied beneath water from the fire department hoses what is called a water salute. and another jet all got upgraded to first class well deserved. >> g

y pueden escribirme al copo de k.iÓn. 11 de la maÑana si vive en el pacÍfico. llegÓ el momento de deleite, presentamos las mejores jugadas y espero que estÉ incluida el golpe que se da en hasta la cabeza. >>> antes de las mejores jugadas vamos a dejar esperando a la nlts, tenemos otro enlace con el estadio azteca vamos con el capitÁn de mÉxico. con martÍnez que nos trae la informaciÓn lo Último sobre el tri. adelante, te escuchamos. >>> edgar, buenas noches. >>> aquÍ seguimos en el estadio azteca, sigue haciendo frÍo aquÍ seguimos con pablo ramirez y el profe branco montes tÚ no tienes frÍo. >>> estÁ bien abrigado el muchacho ¿no? el entono, ustedes como lo sienten aquÍ en mÉxico y dentro de ese entorno me gustarÍa incluir y ahondar en lo que adelantaba pablo en la participaciÓn anterior. lo de nueva zelanda. que tanto encontraran el entorno. y que encontraban como agresiÓn. pero viene un escenario con 100.000 personas. >>> aquÍ hay 2 factores, me parece que asesor prendieron y lo digo con respeto que la prensa los co

. >> i'm going to be a b abstaini from k-49, k 5, k-7 thank you. (calling names) >> okay item public works consent calendar resolution severed for board resolution i believe one t is severed it's been so long ago k 33. >> thank you. >> so colleagues agency you know this is the extension for the rest of this fiscal year of the contract with the friends of the school the arts to be the fiscal arts for the focus artists. i have questioned this contract every year and had concerns. now, it's been shared by many of you, we need to do this work ourselves. not only do we need to do but we do it for the elementary artists and lots of other people and so we have - i did bring this up again specifically not prior to the beginning of the school year we would have granted this contract annual so last spring i brought this up and said you know we've been working on this but not done anything about it don't bring it back or at least we can look into it and have the apparent reality we have to pay people who work for us. so we've worked on that. i appreciate the

roll call, please. >> thank you (calling names). >> i'm going to be a b abstaini from k-49, k 5, k-7 thank you. (calling names) >> okay item public works consent calendar resolution severed for board resolution i believe one t is severed it's been so long ago k 33. >> thank you. >> so colleagues agency you know this is the extension for the rest of this fiscal year of the contract with the friends of the school the arts to be the fiscal arts for the focus artists. i have questioned this contract every year and had concerns. now, it's been shared by many of you, we need to do this work ourselves. not only do we need to do but we do it for

what happened with the introduction of the 401 k plan? most of us know because we've experienced it. employees sat in maybe a one-our education meeting. we got a brother sure that explained the plan. we got a list of mutual funds that we could invest in usually actively managed funds. a bunch of us got these sliders. unfortunately i helped design this one. today it might be a website. maybe it's an app on the phone. all those things are silly. every one of them. hospitals, manufacturing firms, newspaper companies hired professional help and advisors when they faced the responsibility but yet we expect the employees of these same companies, nurses, assembly line workers, writers to figure out how much to save and how to invest their 401 k accounts. is it any surprise that more than half of americans in a 401 k consider their plan more complicated than their healthcare? is it any surprise nearly half of the workers in america have no idea how to invest their 401 k and for a third of them it causes major stress in their life. is it any surpr

half of those plans autoescalate a portion going into retirement k. the age of direct deposit means many people don't examine checks to see what is deducted. making matters worse, government figures show people switch jobs, more than 10 times in a career and may not update addresses. 9.5 billion change jobs every year. it's a dynamic issue, the pie is going. we need a solution fast. >> another contributor is a d ox l rule requiring investment firms send account notifications through paper mail only. >> we have a younger generation used to getting things electronically. a lot of people are not used to getting pieces of mail. >> there's so many dollars locked up the u.s. department of labour held a hearing and invited companies, including american airlines. they called companies to testify about locating missing and loft account holders. one expert said 42% of perhaps it surveyed allowed amounts of $1,000 to remain without taking action. >> assets can go untouched for years and decades. balances threatened by fees and o outdated administration. >> peopl

we lost 72 percent in the k school. we are losing interest early. there are smart, well educated and very successful people who have proposed other solutions for how we satisfy that opportunity gap. one of them, joseph nay, former dean of harvard kennedy school says the united states will be able to enable the work force which is a billion from china who is only enforcing work force of 1.3 and the silicone valley have advocated for comprehensive immigration reform. in full disclosure, my mother immigrated here in 26 from mexico city. i have some very strong opinions about immigration. much of what i would love to talk to you about over coffee. but what we are saying that we as an education system we can't do our job that they have to go outside of the work force and i reject that and we need to reject that. and that's where we take on stem as a whole. so what is stem charge? now, this is a statement that is common within sfusd, it's a very powerful statement of overcoming the predictive nature of demographics. the person i used to work with in a for

this is for k-mart, k-mart. is it getting edgy or just over the edge?rying to figure it all out. we've got a call here that says it's way over the line. another says it's perfectly harmless. mercedes, i don't know. >> i do not want to see men jingling their bells on tv. is that too much to ask? >> did you just say that? no, we just showed that. >> yes, you did. yes, you did. >> janelle and i were trying to censor ourselves. >> it's very effective. think about who the target market is. >> who is the target market? people who like bells, i guess. >> people who like bells. >> i am the third guy from the left, you can't miss me there. >> i don't know about you guys, but i was focusing on the boxers myself. and i think that's -- you know -- >> what was this an ad for? >> joe boxers. >> that's the tag line, show me your joe. >> really? i knew that, by the way. >> do you really think it's going to show boxers? >> you don't think this goes over the line? >> i don't. >> you are a riddle wrapped in a conundrum. you sue for the slightest fault but not in this case

i would like to ask director ris k*en a question, mr. president, if i may. thank you, director ris k*en, i wanted to know if we were to reduce the contract option from 10 thousand to 5 thousand meters, these would be used there replacement of existing port meters, a maintenance contingency and an allocation for replacement for the damaged meters, is that correct? >> yes, through the president, supervisor cohen, members of the board, ed ris k*en, director of transportation, first let me say i realize that talking about parking meters, particularly new parking meters can be a charged issue and i know it can be a difficult issue for you in your position, so i appreciate all the feedback that we've gotten through this process, i've had discussions directly with most of you. your feedback has been helpful and helping us get to what i think is a better proposal before you. the context of what we brought you originally is that this is the replacement of this contract would provide for the replacement of all 25 thousand single space parking meters in san francisco a