This page is an attempt to give you the basic understanding of the retirement program which we have designed for you.

The first question that you may have is, "Why get a plan trough our Coop instead of getting something on your own through your bank? The answer is simple: We are only facilitating, you *can* get you own plan. However, if you are not able to do so on your won the Coop is here to help.

We have researched a plan to give you a retirement package, or to supplement your existing retirement plan. This model was created to serve you. We have designed a mechanism by which individuals can take part in a financial retirement plan (like an IRA or 401k) coupled with Social Security Benefits (for USA only)†.

†Although the investment part of the retirement plan is available internationally, the Social Security Benefits aspect is only available to residents and citizens of the USA. However with your support we plan to build local chapters in your country in order to take advantage of any such existing programs which may be sponsored by your government.

This financial retirement plan will give you the freedom to continue with your service without the concern for financial security in the later years of your life. This can also be used to supplement households that may already be in the work-force but who wish to add to their retirement benefits.

Equally important, this plan will save our societies in the millions of dollars over time, and/or the embarrassment of having to turn members away for lack of funds to take care of the elderly.

With this plan, you or your sponsor (Leader or financier) will invest in your future. The money that you give toward your dues are returned to you 100% in the form of a payroll check which is invested into your "Wall Street" (Mutual Funds & Annuities) retirement growth account.

You must perform a minimum of 3 hours of work each week for the Co-op in order to qualify for this service. Also, because your 3 hour employment is processed through a payroll system we are able to qualify you for a Federal W-2 employment process which will subsidize your Social Security Insurance account.

Here is how it works:

1. To join The Buddhi Yoga Society Co-op:
   • NOTE: to qualify for the Social Security Insurance portion of this program you will need to have a social security number.
   • Discuss this program with your head-of-household, temple president, or with your self and decide who will financially sponsor your membership.
   • Fill out the membership form.
   • Your enrollment begins when we have received your enrollment application form and your initial first week's Co-op fees.
   • The weekly fees for each individual is $27 ($108 each month).
   • You will be employed by the Co-op to perform 3 hours of work weekly.
   • The Co-op will in-turn pay you $9 per hour ($27 each week or $108 Each month).
   • In essence, your $27 will be returned to you in exchange for your 3 hours of labor.
   • A commercial Payroll Firm (ADP) will process your paycheck and distribute it to your retirement accounts.
   • You will have 2 retirement accounts:
     1. A financial investment tax-deferred retirement account (IRS Qualified 403B) through a US bank Financial Institution.
     2. A Federal Social Security Insurance account.
   • You continue on this program giving your 3 hours of work to the Co-op and paying your weekly Co-op dues (Which will be due monthly).
   • This money that you have invested is your money being invested in a US bank under your name and social security.
   • You are able to see you money grow on a daily basis on the phone or on line by contacting your accounts.
   • You are able to close your 403B retirement account and receive your money back at any time as you do a regular checking or savings account. However, if you do so before age 65 you will have to pay taxes and a 10% penalty.
   • Your Social Security Insurance credits will remain in your account until age of retirement (62-67).
   • You may quit and come back any time you want.
   • You may change sponsors (Financiers or Temple Presidents) any time you want.
   • If you continue as a working/paying member of the Co-op you will be on your way to retirement security. Here is a sample of the projected numbers. (we have used an existing table which calculates the number $20. This is only an example but it will give you an idea.)

This is in addition to Social Security Benefits

Please, Click here to carefully review our detailed and complete slide presentation

The following are our web sites of interest. Please take a moment to become familiar with their capabilities. Ameritas alone owns over a Billion in capital:

• http://www.WallStreetOnLineSite.com
• http://ameritas.com/
• http://403b.ameritas.com/
• http://403b.ws
• http://wallstreetonlinesite.com/pooled-income-fund/ †
• http://variable.ameritas.com/
• http://retirement.ameritas.com/ 
• http://www.Calvertfunds.com

† May be of special interest to temples and oraganizations

Happy retiring!

Begging to always remain your servant,

Yadunandana Pada Dasa
President The Buddhi Yoga Society
Those Who Care