text:
NOVI, Mich. — For weeks, John and Kathy Matthews have agonized over the choice: accept $818,000 in a lump sum from General Motors to buy out Mr. Matthews's pension or keep collecting a check of $4,854 a month.
They have consulted nearly a dozen financial advisers, spent countless hours on the Internet, discussed scores of possible outcomes, and lost a ton of sleep. And with the deadline to decide on Friday, they still don't know what they will do.
"It's not an easy decision because we don't know how long we're going to live," said Mr. Matthews, 63, in an interview with his wife at their airy condominium in this suburb west of Detroit.
G.M. has made similar offers to about 42,000 of its 118,000 former white-collar employees and surviving spouses. Those who decide to keep the monthly check will be switched to an annuity provided by Prudential Insurance. Those who take the lump sum will be saying goodbye to G.M.'s financial embrace forever.
G.M. said the change would eliminate $26 billion of its $134 billion in worldwide pension obligations. The automaker's global pension plan is underfunded by about $25 billion, which has been a cloud over the company's finances.Continue reading the main story
Some said the pension change was a cultural shift for an automaker whose hefty pay and benefits earned it the nickname Generous Motors.
"Those were the old days," said David Cole, president emeritus of the Center for Automotive Research in Ann Arbor, Mich., whose father was a top G.M. executive. "Everybody is trying to run leaner now, and G.M. is not unique."
The Ford Motor Company said it would make its own buyout offer to its 98,000 retired salaried workers later this summer. And G.M. has said it might discuss pension buyouts for its 400,000 hourly retirees and surviving spouses with their union, the United Automobile Workers.
For the auto companies, the financial impact is largely the same, whatever each retiree decides. The lump sums are calculated using a formula from the federal government that takes into account each retiree's monthly pension and life expectancy.
But for the retirees, the choice has prompted deep, often uncomfortable, consideration of both their personal finances and their own mortality.
"I've got members who get two hours sleep, are crabby and being treated for ulcers," Wayne Williamson, treasurer and secretary for the General Motors Retirees Association, said recently. "And it's not just the annuity, but the short length of time they have to make a lifetime decision."
Mr. Matthews, a former engineering manager at the Technical Center in Warren, Mich., who retired in 2008 after 41 years, meets weekly at a diner with a coterie of retired colleagues, and the pension choice has dominated recent conversation.
Mr. Matthews said most of his friends were leaning toward the monthly checks. But for him, the calculation was not so simple.
Although G.M. won't put it quite so directly, by Mr. Matthews's math, the company predicted that he would live for another 21 years and used that estimate to come up with the $818,000 offer.
In addition to his pension check, Mr. Matthews receives Social Security, and he also has an individual retirement account. Mrs. Matthews, 62, works part time at a hospital as a registered nurse, and has a home-based business selling nutritional products. When she retires at 66, she will not receive a pension.
The couple has no mortgage or car payments, although both of them have had surgery in the last year, incurring $6,000 in out-of-pocket costs.
They figured that if they earned a return of more than 4 percent a year from investing the lump sum, they would do better than the monthly pension check.
The bigger worry for them was their estate. Whereas funds from a lump sum could be left to their three children and two grandchildren, pensions cannot be inherited.
"We know that if we go down in a plane crash, the kids would get the lump sum," Mr. Matthews said.
His wife brought to the dining table a framed photo of their children. "It's just extremely difficult," said Kathy Matthews. "When you look at this last recession, well, we don't know what the future holds."
Jim Shepherd, president of the retiree association, said some members were taking the pension changes personally. "People are saying they feel like G.M. is divorcing them," he said.
Mr. Shepherd, who had been a G.M. fleet account executive in Northern California, said the average lump sum offer was about $500,000. He said he could not predict which option most members would choose, although he had decided to stick with his monthly check of about $4,000.
Dave Roman, a G.M. spokesman, declined to discuss how many people had already decided or what the tally for each option was so far.
In June, General Motors held 75 informational meetings attended by about 10,000 retiree club members across the country, he said. The manufacturer also held at least two conference calls with club presidents.
G.M. said that by default, retirees would continue to get monthly pension checks. If they opt for the lump sum by Friday's deadline, they will have until Aug. 23 to change their choice.
Christopher Frayne, a portfolio manager for Sigma Investment Counselors in Southfield, Mich., said he had advised up to 80 percent of clients who were grappling with G.M.'s offer to continue their pension checks.
"To take that lump sum and recreate that income with interest rates this low, that's hard to do," he said.
But Don Tanner decided to take the plunge, exchanging monthly checks of close to $5,000 for a lump sum of about $1 million. "It's the freedom of knowing I have the money, and that it's my money and that I have control of it," said Mr. Tanner, who moved to Atlanta after retiring in 2007 as an engineer in Warren.
He said he would invest a portion of the lump sum and put some in certificates of deposit. "I figured that in the market, I can get around 6 percent on investments," said Mr. Tanner, 65. His wife, a human resources representative, will retire in three years with a 401(k) plan.
The prospect of passing something on to his two children and six grandchildren was key to his decision, said Mr. Tanner, who is in good health and will begin to draw Social Security this year.
For retirees who stick with the monthly check, the Prudential annuity will not be guaranteed by the federal government's Pension Benefit Guaranty Corporation, the way that G.M. pensions are. But Dylan Tyson, head of pension risk transfer at Prudential, said: "Prudential is exceptionally strong. We're good at this."
James Klein, president of the American Benefits Council, said what General Motors was doing was no surprise.
"Companies are going away from traditional defined-benefit plans," Mr. Klein said. "This is just a different way of meeting obligations."
New federal pension rules that went into effect this year make pension buyouts less costly to companies, so other companies may follow the lead of G.M. and Ford and offer lump sums. Chrysler, however, has said it has no plans to offer buyouts.
Among G.M. retirees, not everyone is going through the same kind of angst as the Matthews family. Janine Fruehan, who retired in 2009 as manager of communications for product quality and safety at G.M.'s Technical Center, said she planned to refuse the lump-sum offer.
"It seems like a lot of money at first, but I need stability," said Ms. Fruehan, 58, who is single and has no heirs to worry about. "My biggest thing was outliving the money."
Ms. Fruehan, who is a member of G.M.'s Retiree Advisory Council, which helps guide the company's retiree initiatives, said she hoped to avoid using Social Security when she first became eligible and instead live off her pension payments and other investments. She also is an independent, home-based consultant for a high-end fashion firm.
"The lump sum is a big opportunity, but everybody's different," she said.Continue reading the main story


text:
SAN FRANCISCO, June 20 (UPI) -- With 25 percent of the offshore and tidal resources in Europe, Scotland is on pace to become the regional hub for renewables, the Scottish first minister said.
Scottish First Minister Alex Salmond addressed delegates at the Commonwealth Club of California in San Francisco during a trade mission to the United States.
Scotland, he said, was making a significant contribution to the emerging renewable energy sector.
"We are ambitious for the future, both for ourselves and what we can contribute to the rest of the world," he said.
Scotland aims to derive 100 percent of its electricity demand through renewable energy projects by 2020. The government estimates it met 35 percent of its electricity demand last year through renewable energy resources.
All universities in Scotland have energy technology partnerships with third parties and Scotland this year signed a collaborative deal with the Masdar Energy Institute in Abu Dhabi. Glasgow, meanwhile, serves as a major research center for offshore wind energy generation.
"We possess 10 percent of Europe's wave power resources and 25 percent of its offshore wind and tidal resources -- all with only 1 percent of the EU population," Salmond said.

subset: commoncrawl


text:
Top 20 Designers
Valentino Rockstud Soul Mules Red
Estimated delivery time: Thursday, 25 Jul 2019, when you order before 15:00 h per Next-day delivery.(more details)
What our style experts say
Shoe love is true love - especially if we speak about the iconic styles by Valentino. The brand's signature pyramid-shaped studs, fine leather and the unmistakable design convince fashionistas around the globe. Find your favorite pair for day or night!


text:
Spectacular lighting
The newly build 8tallet in Danish Ørestad appears as one of Scandinavia's most spectacular buildings. And just as spectacular as the architecture is the lighting. In collaboration with the architect office BIG Fagerhult Denmark has customized the innovative lighting solutions that contributes to its unique character.
8tallet is with its 62 000 square meters a whole unique neighbourhood that has been awarded with several prices. Almost 500 apartments is combined with 10 000 square meters of office surface, shops, restaurants and cafés. The lighting have been integrated in the architecture and it is hard to say what came first – the chicken or the egg. 8tallet have been created by the architects BIG which turned to Fagerhult to realize their visions.
This is truly customized lighting. We have thoroughly listened to the architect's ideas and thereby done our best to realise them with consideration to safety, energy efficiency and light treatment, says Per Reinholt, Technical Manager at Fagerhult Denmark.
BIG had a lot of focus on shadows and light so that the apartments get sun while the offices shelters in the shadows.
One luminare created for this project is LED Handrail. The handrail accentuates walls and walkways along 8tallet strong-sloped roof and consists of LED integrated in a sleek aluminium ledge.
A minimalistic but still robust solution with a high level of energy efficiency, says Per Reinholt.
Light art in all its simplicity
In the passes and walkways the light has been used in an artistic way. An elementary base luminaire developed for 28 W T5 Eco have been built into the walls and gives a striking pattern. The light sources play the leading part also in the stairways.
The architects desire was almost a raw expression with an experience that the fluorescent lamp were hanging straight upside down on the wall. Drawing a luminare for 28 W T5-lightsource and giving it a louvre of clear PC solved this. The strong painted colours of the walls gives a modern impression and also makes it warm and living, concludes Per Reinholt.
Contact persoon
Lars Bjernemose
Sale Manager East DenmarkFagerhult
- +45 23 99 90 16


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text:
Time To Railroad?
It is highly appropriate that the software at the center of the underlying case was code for controlling model trains. Because model train control software is, in a way, where FOSS began.
As Steven Levy recorded in his 1984 book Hackers, the first true hackers were members of the Tech Model Railroad Club (TMRC) at MIT in the late '50s, and the first memorable articulation of the principles on which the FOSS movement are based was the Hacker Ethic espoused by the members of TMRC.
The model railroadersspecifically, members of the Signals and Power Subcommittee of the TMRCspent hours on their backs under the monster table that supported a room-sized world of HO-gauge tracks and scale models of roads and buildings and trees. They were managing the spaghetti wiring that supported the multiple controllers and trains that ran on those tracks.
When the first class in computer science was offered at MIT, taught by some crazy guy named John McCarthy, the TMRCers already had a complex system that they were trying to manage. Many famous hackers came out of the TMRC, as did, you could argue, the philosophy behind free software.
Interestingly, the control system under the table in the model railroad room would seem to have dealt right from the start with the problem in Jacobsen v Katzer, in that it managed signals from multiple controllers distributed to different sections of track. Complex model train systems have been revisiting that problem for forty years. What this means in terms of prior art in Jacobsen v Katzer is a matter for others to decide.
Credit where credit is due: It would be easy to think that the case was simply a matter of a more savvy court correcting a misguided one, but in fact a lot of work went on behind the scenes to ensure that the decision ultimately came out the way it shouldand did. Credit goes of course to Bob Jacobsen for bringing the case and standing up for FOSS. But credit also goes to the lawyers and consultants who offered time and expertise, often for free: Jacobsen's lawyer, Victoria Hall; the authors of the amici brief from Creative Commons, Chris Ridder and Anthony Falzone; Mark Radcliffe, Lawrence Lessig, Karen Copenhaver, Allison Randal, Roberta Cairney, Larry Rosen, Scott Peterson, David Gross, and Steve Chiari; plus the Stanford Center for Internet and Society, the Linux Foundation, Perl Foundation, HP, OSI, and others.
An individual identified as GrayHairPgmr on Lessig's blog put the ruling in this perspective:
In my not so humble opinion, software IS a service, the code is only one delivery vehicle. SaaS is redundant and proprietary software is an oxymoron. This ruling begins a process of building a meaningful legal framework for software commerce.
It's a big deal.


text:
By Lisa Capobianco
Staff Writer
The Southington Public Library is in search of local teenagers interested in becoming participants of its new Teen Advisory Group (T.A.G).
T.A.G offers teens ages 13 to 18 an opportunity to share ideas about activities, materials and improvements to help transform the library into a better place for young adults. The group is also a way for students to fulfill community service requirements, which enhances resumes and college applications.
Teen Librarian Julie Rio said the goal of T.A.G. is to create a more "welcoming place for teens" by learning more about their interests.
"As library users, they should want to have a say in what goes on," Rio said. "I want them to have a voice."
Rio reported that about five teens have already committed to the new group, and hopes to receive more sign-ups soon.
Sue Smayda, the executive director of the library, said T.A.G. is "long overdue," especially since other libraries already have programs like these for local teenagers. She said she feels excited to give teens an opportunity to play a role in the decision-making process for library programs and activities.
"Teens are a group we always want to reach," Smayda said. "We really want them to get involved."
Any teens interested in becoming members of T.A.G. can contact Julie Rio at (860) 628-0947 or at firstname.lastname@example.com.
T.A.G.! Teens are it at the library
By Lisa Capobianco


text: Golden Ocean Group Ltd. (GOGL) is a leading international dry bulk shipping company based in Bermuda, mainly operating in the Capesize, Panamax and Supramax segments. GOGL is listed on NASDAQ and the Oslo Stock Exchange. GOGL owns and controls a fleet of 78 vessels including newbuildings and vessels chartered in on long term time charter contracts. GOGL provide customers with flexible and reliable transportation services and develop strong industry relations with partners and customers.


text:
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Free Magazine
Geographic Availability: U.S. Only
Temporarily Unavailable. Thank you for your interest in BioProcess International Magazine.


text:
If ever a cliche needed to be retired, it's the one about "speaking truth to power." And if the recent use of this self-congratulatory phase, by top White House adviser Valerie Jarrett, doesn't put us out of its misery, nothing will.
Jarrett was being interviewed by CNN's Campbell Brown about the White House's criticism of Fox News. Brown, bless her, was asking tough questions that placed Jarrett on the defensive. In a last gasp effort to defend her position that Fox's conservative opinion show hosts are more worthy of criticism than their left-liberal counterparts on MSNBC, Jarrett stated that the White House was "speaking truth to power."
Can we be far from "newspeak"when the most powerful office in the world holds itself out as speaking truth to power when it criticizes a cable news network?
Either Jarrett is an air-head or the Obama administration is a serious threat to freedom. The answer is, some of both, I think.
JOHN adds: I agree that Jarrett's claim is ridiculous, but I think it has a history. Isn't it a time-honored tradition for socialist governments, both national and Marxist, to continue to campaign against the "powerful" on behalf of the dispossessed, long after they have assumed control and have shot, imprisoned or cowed the supposedly "powerful?" It seems to me that Jarrett, knowingly or not, was placing the administration in a Peronist or Castroite tradition. Nancy Pelosi does something similar when she purports to defend average citizens against the predations of the mighty insurance companies, which are actually, from the perspective of the federal government, like so many fatted calves.
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Step 1) Select Your Motherboard / CPU Combo Speed
Step 2) Scroll Down To Select Included & Optional Items As Needed
Step 3) See Configured Total & Add To Cart & Checkout When Configured As Desired
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text:
The Civil War: An Illustrated History
Knopf, 2011 - History - 425 pages
The complete text of the bestselling narrative history of the Civil War--based on the celebrated PBS television series. This illustrated edition interweaves the author's narrative with the voices of the men and women who lived through that cataclysmic trail of our nationhood, from Abraham Lincoln to ordinary foot soldiers. Includes essays by distinguished historians of the era.
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LibraryThing ReviewUser Review - DinadansFriend - LibraryThing
It covers a lot of the War but must, of necessity hit only the high points. I'm tempted to Call this the "novelization" of the TV series. I couldn't get the sound track music of that production out of my head while reading the book. Read full review
LibraryThing ReviewUser Review - RonWelton - LibraryThing
Easy to read cursory account of war, its causes and consequences including many oft repeated anecdotes. eg: The response to his capture by a Confederate soldier near the end of the war, "Yes, You've got me, and a hell of a git you got." Read full review
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abolitionists Abraham Lincoln American artillery Atlanta attack battle began blood boys brigade Bull Run burned called camp cavalry Civil Colonel commander Confederacy Confederate army Congress dead Democrats Elisha Rhodes enemy fighting fire flag fought Fredericksburg George McClellan George Templeton Strong Georgia Gettysburg Grant guns Hill horse House hundred Jackson James James Longstreet Jefferson Davis John Johnston Joshua Lawrence Chamberlain killed Lee's Little Round Top lived Longstreet March Mary Chesnut McClellan miles military Mississippi move Negroes never North northern officer ordered Petersburg photograph Potomac President rebel regiment remembered Richmond river Robert secession secessionist seemed Senator Sharpsburg shells Sherman shot slavery slaves soldiers South Carolina southern Stonewall Stonewall Jackson Sumter surrender Tennessee thousand told Union army Union forces Union troops USAMHI veteran Vicksburg victory Virginia Washington William William Tecumseh Sherman wounded wrote Yankees


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text:
I'm new to this, what's up?
To learn more about the project, what's going on and what we're doing, you should read the the FAQ, which goes over the details.
In short, signups for the third printing of Fallout: Equestria are closed, but we may have extra books available for sale near the end of the project. If you are interested please fill out the reserve sign up form: https://goo.gl/iv0Gdx
--- --- ---
As of January 21st, 02:30 GMT-0500 all invoices have been sent. If you don't see yours, double check your spam folder. Hotmail/outlook/live.com is notoriously bad at flagging our messages as spam.
Now, onto all the gritty details. It's long, but please read this whole post as it covers what's going on and our timeline, stuff I'm sure you'll want to know.
When are the payments due?
Realistically, we would like to have payment due upon receipt of the invoice. We understand life gets busy at times. Know the speed at which this project moves is based entirely on how quickly we get the total payment amount in.
So this is how it is going to work:
For everyone on the main list, payment is due January 29th.
If after the 29th payment has not been received, your invoice will be canceled and you will be removed from the signup list.
For those who are selected from the reserve list, payment is due 5 days after the send date of the invoice.
Again, if payment hasn't been received after the five days has passed, your invoice will be canceled and you will be removed from the list.
When are the books going to be shipped?
That depends entirely on you and your fellow signers and how fast we're able to get all the payments in. Simply put, we need to pay the manufacture first, before they will even start making books.
The printing itself is going to take 6 to 7 weeks. Please note that the clock doesn't start ticking till after everyone has paid. Usually that's the invoice deadline, plus a week or so if we have to fill spots from the reserve list.
Printing of the books will start only after the printer has received the cleared payment.
So, when are the books going to be shipped to you? The books will be shipped out to everyone who has signed approximately 7 to 8 weeks after all payments have been collected from every signer.
That is of course, assuming that nothing goes wrong during that time frame. If something does, we'll be sure to post here with the revised timeline.
How will I know that my order is ready to ship?
We will regularly post updates on the homepage, and we will send a mass email when all the books ship, plus you should receive an email from stamps.com with your tracking number.
I've moved or am in the process of moving, or will expect to have moved by the time comes for shipping. Are you guys going to be able handle a change in address?
Yes. However, you must email us about your address change ASAP otherwise your book will be shipped to your previous address. If you're unsure what address we have on file, it will be listed on your online invoice, or you can always send us an email to check.
That's all to report for now. As always, we'll post regular updates here. You should definitely check back every so often to stay up to date.
If you have any quesnios or concerns, check out the FAQ, or feel free to email us at firstname.lastname@example.com
FoE 3rd Printing - Invoices Have Been Emailed Out
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- coolguy10221
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Re: FoE 3rd Printing - Invoices Are Being Emailed Out
Invoice Received, and paid for. Now to wait 2-3 months.
Re: FoE 3rd Printing - Invoices Have Been Emailed Out
I'm new to this, could you please tell me how do I pay for the invoice?
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Re: FoE 3rd Printing - Invoices Have Been Emailed Out
Just click on the "pay this invoice" link on the email, and enter your details. Easy as Pinkie Pie
Entropy . . . entropy always changes
Re: FoE 3rd Printing - Invoices Have Been Emailed Out
Thanks. I was on mobile and did not see the link, so I got really confused. Invoice has been paid. *Anticipation intensifies
- indianahoofs
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Re: FoE 3rd Printing - Invoices Have Been Emailed Out
My body is ready and money is paid
Re: FoE 3rd Printing - Invoices Have Been Emailed Out
What a deal! I am really looking forward to re-reading Littlepip's awful and epic life!
- Arcane_Scroll
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Re: FoE 3rd Printing - Invoices Have Been Emailed Out
Paid. Also it was a nice surprise that the cost was less than projected.
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