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Continuation of Coverage Notice – COBRA
The Federal Consolidated Omnibus Budget Reconciliation Act (COBRA) gives you the right to choose continuation of health care coverage if you and/or your eligible dependents lose County coverage. You may continue health care coverage for up to 18, 29 or 36 months, depending on the situation and who is being covered. Within a couple of weeks of the loss of coverage, you will receive a separate COBRA notification from our COBRA Third Party Administration (TPA), explaining these rights.
If you think you or your dependents' health care coverage will end because an event is occurring causing ineligibility under the plan, there are certain things you must do to continue coverage under COBRA. In some cases, you must notify the County of the event. If COBRA is an option for you, you must make an election and pay for coverage within certain time periods.
If you retire, the County will notify you and your dependents of your right to continue health care coverage under COBRA. This notification will explain in detail how COBRA works. You may elect Retiree coverage or COBRA coverage.
If you die, the County will notify your dependents of their right to continue health care coverage under COBRA. This notification will explain in detail how COBRA works.
If you divorce or legally separate or your child loses dependent status under a group health plan, you or your covered dependents are responsible for notifying the County within 60 days from the date of these events. The County's Third Party Administrator (TPA) will then notify your dependents of their right to continue health care coverage under COBRA. This notification will explain in detail how COBRA works. COBRA rights will be forfeited if the TPA is not notified within 60 days of the qualifying event.
A domestic partner and/or their dependents are not eligible under COBRA law; however, the Broward County Board of County Commissioners extends continuation of group health, dental and/or vision coverage to an employee's domestic partner and their dependents for up to a period of 18 months, if they experience one of the events listed below.
Employee's termination or reduction of hours of employment
Death of the employee
Employee becomes entitled to Medicare
Dissolution of the domestic partnership registered with Broward County Records Division (per County ordinance, domestic partners remain on your coverage through the end of the month, 30 days after the dissolution date.)
A dependent child will also have the opportunity to apply for continuation coverage for up to 18 months if the dependent ceases to qualify as a "dependent child" as defined by the insurance plan.
You will have the opportunity to continue the same coverage in which you were enrolled the day before you experienced one of the events described above. You do not have to show that you are insurable to choose continuation coverage. No additional time extensions past the 18 months are available under this continuation benefit.
Should the employee and the domestic partner or their dependents want continuation coverage because of the same event, the employee would apply separately for COBRA and the domestic partner and their dependents would apply for domestic partner continuation benefits.
If you have any further questions regarding COBRA or Domestic Partner Continuation of Coverage benefits, please contact the Employee Benefit Services Section at 954-357-6700.
Premiums and County Subsidy
Federal Tax laws governing taxation of domestic partner and Over Age Dependents benefit plan enrollment are continually evolving. Because of these tax laws, the County must include the fair market value of benefits in employees' income, referred to as "imputed income." In this case, "imputed income" is defined by the IRS as monies that are taxable to the employee when received as a benefit in relation to covering a domestic partner, dependents of a domestic partner or over age dependents. The Internal Revenue Service allows the employee to receive "tax free" insurance subsidies for themselves and their eligible dependents as defined under IRS guidelines, but excludes those amounts attributable to coverage of a domestic partner, the dependents of domestic partner or Over Age Dependents. The premium charts for health, dental and vision premiums illustrate the imputed income and after-tax amounts for which you would be responsible based on various scenarios.
"Pre" and "After" Tax – The employee's full deduction for health insurance is separated into two parts: When the "Pre" tax and "After" tax amounts are added together, that amount is the full employee deduction for health insurance.
Imputed Income – As described above, the amounts shown in the column marked "Imputed Income" become additional income to the employee, per IRS rules, and are taxed accordingly. That is why we suggest you consult a tax advisor on how to best claim exemptions on your W2 and on your income tax.
** NEW IN 2015 ** Domestic Partner Imputed Income Tax Equity – The County will provide a Domestic Partner Imputed Income Tax Equity to those employees who have registered domestic partners enrolled in the County's health plan and who can show proof that they reside in the same primary residence. The equity will be based on the employee's imputed income tax, based on the applicable IRS Supplemental tax rate (currently 25%). This equity will be paid as taxable income to the employee.
Additionally, a domestic partner, dependents of a domestic partner or Over Age Dependents are not eligible to receive reimbursement from a "Health Reimbursement Account (HRA)" under a Consumer Driven Health plan or "Health Savings Account" under a High Deductible Health Plan. These dependents can be insured and receive coverage as any other insured and be subject to the same copayments, coinsurance and deductible; however, the employee would not receive the portion of the HRA attributable to coverage for a domestic partner, their dependents or an Over Age Dependent.
IMPORTANT DISCLAIMER NOTICE: Because there will be "out-of-pocket" costs associated with taxation of these related benefits, you should consult a tax advisor in order to determine your individual tax liability based on the exemptions you claim. The information shown on the Rate Sheet is the dollar amount that will be used in calculating your pre- and after-tax deduction as well as imputed income, where shown.
Under HIPAA, enrollment in health, dental or vision insurance (outside of Open Enrollment) is allowed for employees and their dependents in certain circumstances. Special enrollment is allowed if the following criteria are met:
The individual is benefit-eligible but not enrolled, and
When enrollment was previously offered and declined, the individual had other coverage, and
When enrollment was declined, the individual stated in writing he/she was declining coverage because he/ she had other coverage (this point only applies if the plan required such a statement at the time coverage was declined and the individual was notified of the requirement and consequences of not providing the statement), and
Special enrollment is also allowable for employees and their dependents if they lose coverage due to a loss of coverage, which might include:
a. divorce
b. a death
c. decreased work hours (some restrictions may apply)
d. loss of employment
The employee must notify the Employee Benefit Services Section within 31 days of the qualifying event and the employee must take prompt action to complete enrollment. If notice is not timely, re-enrollment can be done only during an Open Enrollment or when a subsequent qualifying event occurs. Verification of the loss of coverage event will be required.
Contact the Employee Benefit Services Section at 954-357-6700 or email firstname.lastname@example.com for more information about HIPAA. Employees may also call the Department of Labor at: 866-4-USADOL (866-487-2365) or visit their web site, dol.gov, regarding rights under HIPAA.
If you are eligible for health coverage from your employer, but are unable to afford the premiums, some states have premium assistance programs that can help pay for coverage. These states use funds from their Medicaid or CHIP programs to help people who are eligible for employer sponsored health coverage, but need assistance in paying their health premiums.
If you or your dependents are already enrolled in Medicaid or CHIP you can contact your State Medicaid or CHIP office or dial: 877-KIDSNOW (877-543-7669) or go to insurekidsnow.gov to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial: 877-KIDSNOW (877-543-7669) or insurekidsnow.gov to find out how to apply. If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan.
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, your employer's health plan is required to permit you and your dependents to enroll in the plan – as long as you and your dependents are eligible, but not already enrolled in the employer's plan. This is called a "special enrollment" opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance.
The Medicare Prescription Drug, Improvement and Modernization Act of 2003 (MMA) added a new prescription drug program to Medicare effective January 1, 2006. (See Part D of Title XVIII of the Social Security Act [Act], referred to here as "Part D" of Medicare.)
Eligible members can join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
CDH HEALTH PLANS ONLY: Broward County has determined that the prescription drug coverage offered by Catamaran is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is considered Creditable Coverage.
Because the County's existing coverage is, on average, at least as good as standard Medicare prescription drug coverage, participants can keep this coverage as part of their group health plan and not pay a higher premium (a penalty) if they later decide to join a Medicare drug plan.
Eligible participants can join a Medicare drug plan when they first become eligible for Medicare and each year from October 15 through December 31. However, upon loss of coverage under Broward County's plan due to termination or retirement, participants are eligible to join a Part D plan at that time using an Employer Group Special Enrollment Period.
Contact the Employee Benefit Services Section at firstname.lastname@example.com or 954-357-6700 for further information. Eligible employees and dependents will receive a notice each year in November, or sooner, if this coverage through Broward County changes. For more information about Medicare prescription drug coverage, visit medicare.gov.
Human Resources Division – Employees Benefits Section (EBS)
This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.
If you have questions about this notice, please contact 954-357-6500. This notice went into effect on April 14, 2003 and was revised on September 4, 2013 and will continue until we replace it.
EBS is required by federal and state law to maintain the privacy of your Protected Health Information.
The law requires us to give you this notice telling you about the law, your rights, and our privacy practices.
The law requires us to abide by the terms of our notice that is currently in effect.
EBS has engaged a Third Party Administrator (TPA) to operate the Broward County Pharmacy Benefit Plan (the Plan) on behalf of our employees. In most cases, the use and disclosure of any Protected Health Information about you is handled by the TPA to make sure you get the benefits you qualify for, to administer the plan accurately and fairly, and as otherwise required by law. Your Protected Health Information may not be used or disclosed for employment-related purposes other than the administration of the Plan.
As a part of its day-to-day activities, EBS may receive, gather, and maintain personal and health information needed to determine your eligibility and keep track of your enrollment in the Plan. The following describes the ways we may use and disclose Protected Health Information that identifies you ("Health Information"). Except for the purposes described below, we will use and disclose Health Information only with your written permission. You may revoke such permission at any time by writing to our Privacy Liaison.
For Treatment. The TPA may use and disclose Health Information for your treatment and to provide you with treatment-related health care services. For example, the TPA may discuss your medical condition with doctors, nurses, technicians, or hospital staff to authorize or consider medications or services covered by the Pharmacy Benefit Plan.
For Payment. The TPA may use and disclose Health Information so that it may bill and receive payment from you, an insurance company, or a third party for the treatment and services you received. EBS may use your Health Information to pay for or account for services. For example, we may give your health plan information about you so that they will pay for your medication.
For Health Care Operations. EBS may use and disclose Health Information for health care operations purposes. These uses and disclosures are necessary to make sure that you receive quality care, to verify that you are actually receiving the services that are scheduled and to operate and manage our Division. For example, we may use your information to manage or purchase services. We may also use or disclose your information as necessary for legal, auditing, and management purposes.
For Performing Underwriting Activities. EBS will not use or disclose any genetic information for underwriting purposes.
Treatment Alternatives and Health Related Benefits and Services. We may use and disclose Health Information to contact you for the administration of the Plan. We also may use and disclose Health Information to tell you about treatment alternatives, medications, or health-related benefits and services that may be of interest to you.
Research. Under certain circumstances, we may use and disclose Health Information to licensed researchers or care groups, who are under strict rules regarding how they use and disclose Health Information. For example, researchers or medical review members may use the information about individuals with your condition for a study to improve ways to treat or manage diseases.
As Required by Law. We may disclose Health Information when required to do so by international, federal, state, or local law.
To Avert a Serious Threat to Health or Safety. We may use and disclose Health Information when necessary to prevent a serious threat to your health and safety or the health and safety of the public or another person.
Business Associates. We may disclose Health Information to our business associates that perform functions on our behalf or provide us with services if the information is necessary for such functions or services. For example, we may use another company to perform billing services on our behalf. All of our business associates are obligated to protect the privacy of your information and are not allowed to use or disclose any information other than as permitted by the terms of an applicable Business Associate Agreement.
Health Oversight Activities. We may disclose Health Information to a health oversight agency for activities authorized by law. These oversight activities include, for example, audits, investigations, inspections, and licensure. These activities are necessary for the government to monitor the health care system, government programs, and compliance with civil rights laws.
Data Breach Notification Purposes. We may use or disclose your Health Information to provide legally required notices of unauthorized access to or disclosure of your Health Information.
Lawsuits, Disputes and Judicial Requests. If you are involved in a lawsuit or a dispute, we may disclose Health Information in response to a court or administrative order, subpoena, discovery request, or other lawful process.
Law Enforcement. We may release Health Information if asked by a law enforcement official, if the information is in response to a court order, subpoena, warrant, or similar process.
Public Health Risks. We may disclose Health Information for public health activities. These activities generally include disclosures to prevent or control disease, injury or disability; report births and deaths; report child abuse or neglect; report reactions to medications or problems with products; notify people of recalls of products they may be using; a person who may have been exposed to a disease or may be at risk for contracting or spreading a disease or condition; and the appropriate government authority if we believe a patient has been the victim of abuse, neglect or domestic violence. We will only make this disclosure if you agree or when required or authorized by law.
Other Uses and Disclosures When Required or Authorized by Law. We may disclose Health Information to the following when required or authorized by law: Coroners, medical examiners and funeral directors; organ and tissue donation organizations; the military; for national security and intelligence activities; protective services to the President; regarding workers' compensation issues; or concerning inmates or individuals in custody of a correctional institution or law enforcement official.
Individuals Involved in Your Care or Payment for Your Care. Unless you object, we may disclose to a member of your family, a relative, a close friend or any other person you identify, your Health Information that directly relates to that person's involvement in your health care. For example, if a family member calls us with prior knowledge of a claim, we may confirm whether or not the claim has been received and paid. If you are unable to communicate, such as in an emergency, we may disclose such information as necessary if we determine that it is in your best interest based on our professional judgment.
Disaster Relief. We may disclose Health Information to disaster relief organizations that seek your Health Information to coordinate your care, or notify family and friends of your location or condition in a disaster. We will provide you with an opportunity to agree or object to such a disclosure whenever we practically can do so.
The following uses and disclosures of your Health Information will be made only with your written authorization:
Uses and disclosures of Health Information for marketing purposes unless (1) the communication occurs face-to-face; (2) consists of marketing gifts of nominal value; (3) is regarding a prescription refill reminder that is for a prescription currently prescribed or a generic equivalent; (4) is for treatment pertaining to existing condition(s) and EBS does not receive any financial remuneration in either cash or cash equivalent; or (5) communication from a healthcare provider to recommend or direct alternative treatments, therapies, healthcare providers, or settings of care when EBS does not receive any financial remuneration for making the communication; and
Disclosures that constitute a sale of your Health Information.
Other uses and disclosures of Health Information not covered by this notice or the laws that apply to us will be made only with your written authorization. If you do give us an authorization, you may revoke it at any time by submitting a written revocation to our Privacy Liaison and we will no longer disclose Health Information under the authorization. An authorization provided as a condition of obtaining insurance coverage, provides the insurer with the right to contest a claim under the policy of the policy itself. Any disclosure that we made in reliance on your authorization before you revoked it will not be affected by the revocation.
You have the following rights regarding Health Information we have about you:
Right to Inspect and Copy. You have a right to inspect and copy Health Information that may be used to make decisions about your care or payment for your care. This includes medical and billing records about you, or enrollment, payment, claims adjudication, and case or medical management systems, as applicable. You have the right to access in order to inspect and obtain a copy of your Health Information contained in your designated record set, except for (1) psychotherapy notes; (2) information compiled in reasonable anticipation of, or for use in, a civil, criminal, or administrative proceeding; and (3) Health Information maintained by us to the extent to which the provision of access to you would be prohibited by law. To inspect and copy this Health Information, you must make your request, in writing, to the address listed at the end of this notice. We have up to 30 days to make your Health Information available to you and we may charge you a reasonable fee for the costs of copying, mailing or other supplies associated with your request. We may deny your request under certain limited circumstances. If we do deny your request, you have the right to have the denial reviewed by a licensed healthcare professional who was not directly involved in the denial of your request, and we will comply with the outcome of the review.
Right to an Electronic Copy of Electronic Medical Records. If your Health Information is maintained in an electronic format (known as an electronic medical record or an electronic health record), you have the right to request that an electronic copy of your record be given to you or transmitted to another individual or entity. We will make every effort to provide access to your Health Information in the form or format you, request, if it is readily producible in such form or format. If the Health Information is not readily producible in the form or format you request your record will be provided in either our standard electronic format or if you do not want this form or format, a readable hard copy form. We may charge you a reasonable, cost-based fee for the labor associated with transmitting the electronic medical record.
Right to Get Notice of a Breach. You have the right to be notified upon a breach of any of your unsecured Health Information.
Right to Amend. If you feel that the Health Information we have is incorrect or incomplete, you may ask us to amend the information. To request an amendment, you must make your request, in writing, with a description of the reason you want your record amended, to the address listed at the end of this notice. EBS may deny your request if: (1) the information was not created by EBS, unless you provide a reasonable basis that the person or entity that created the information is no longer available to make the amendment; (2) the information is not part of the Health Information kept by EBS; (3) the information is not part of the Health Information which you would be permitted to inspect or copy; or (4) the information is accurate and complete. If we deny your request you have the right to file a statement of disagreement with us and we may prepare a rebuttal to your statement and will provide you with a copy.
Right to an Accounting of Disclosures. You have the right to request a list of certain disclosures we made of Health Information for purposes other than treatment, payment and health care operations or for which you did not provide a written authorization. The first accounting of disclosures in any 12 month period will be free. Any additional requests within that same time period may be charged a reasonable cost-based fee. To request an accounting of disclosures, you must make your request, in writing, to the address listed at the end of this notice.
Right to Request Restrictions. You have the right to request a restriction or limitation on the Health Information we use or disclose for treatment, payment, or health care operations. You also have the right to request a limit on the Health Information we disclose to someone involved in your care or the payment for your care, like a family member or friend. For example, you could ask that we not share information about a particular medication with your spouse. To request a restriction, you must make your request in writing, and describe the specific restriction, to the address listed at the end of this notice. We are not required to agree to your request unless you are asking us to restrict the use and disclosure of your Health Information to a health plan for payment or health care operation purposes and such information you wish to restrict pertains solely to a health care item or service for which you have paid us "out-of-pocket" in full. If we agree, we will comply with your request unless the information is needed to provide you with emergency treatment or otherwise required by law.
Out-of-Pocket-Payments. If you paid out-of-pocket (or in other words, you have requested that we not bill the Plan) in full for a specific item or service, you have the right to ask that your Health Information with respect to that item or service not be disclosed to the Plan for purposes of payment or health care operations, and we will honor that request.
Right to Request Confidential Communications. You have the right to request that we communicate with you about medical matters in a certain way or at a certain location if you state that the disclosure of information could endanger you. For example, you can ask that we only contact you by mail or at work. To request confidential communications, you must make your request, in writing, to the address listed at the end of this notice. Your request must specify how or where you wish to be contacted. We will accommodate reasonable requests.
Right to a Paper Copy of This Notice. You have the right to a paper copy of this notice. You may ask us to give you a copy of this notice at any time. Even if you have agreed to receive this notice electronically, you are still entitled to a paper copy of this notice. You may obtain a copy of this notice at our web site, www.broward.org.
We reserve the right to change this notice and make the new notice apply to Health Information we already have as well as any information we receive in the future. We will post a copy of our current notice at our office and website.
If you believe your privacy rights have been violated, you may file a complaint with our office or with the Secretary of the Department of Health and Human Services. To file a complaint with our office, contact the Broward County Office of Intergovernmental Affairs and Professional Standards, 115 S. Andrews Avenue, Suite 427, Fort Lauderdale, Florida 33301, telephone 954-357-6500. All complaints must be made in writing. You will not be retaliated against for filing a complaint.
If you have any questions in reference to this notice please contact 954-357-6500.
All requests must be made in writing and mailed to the HIPAA Privacy Liaison, 115 S. Andrews Avenue, Room 514, Fort Lauderdale, Florida 33301.
The County's health plans do not include a Pre-existing Exclusion.
HIPAA stands for the "Health Insurance Portability and Accountability Act of 1996." The original purpose of HIPAA was to make health insurance more "portable" so that workers could take their health insurance with them when they moved from one job to another, without losing health coverage. The scope of HIPAA was broadened to require the health care industry to adhere to uniform codes and forms. This would help streamline the processing and use of health data and claims, and contribute to better, more accessible care. The scope of HIPAA also was broadened to better protect the privacy of people's health care information and give them greater access to that information. The HIPAA Privacy Rule was finalized on August 14, 2002, with a firm deadline for compliance of April 14, 2003.
Broward County's Employee Benefit Services (EBS) respects the privacy of legally protected health information and understands the importance of keeping this information confidential and secure. Certain divisions or division sections within the County have access to what is called "Protected Health Information" or "PHI," as it is defined by HIPAA. Not all health care information handled by Broward County is included in the definition of PHI. Only certain kinds of health care information are protected by the Privacy Rule. The following divisions or division sections are called "covered components" because they have access to the PHI covered by the HIPAA rules and regulations: the Elderly and Veterans Services Division, the Employee Benefits Section of the Human Resources Division and the Substance Abuse Section of the Broward Addiction Recovery Centers (BARC) Division.
EBS will use or transmit only the minimum amount of PHI needed to communicate enrollment, eligibility and termination data to Third Party Administrators or to any other entity to which we are required to respond. In addition, EBS will transmit only the minimum amount of PHI to appropriate entities for assistance with claims processing, claims reconsideration and review. EBS also ensures that the vendors with whom we contract for benefit services have been duly informed of their need to fully comply with all HIPAA Rules and Regulations.
All Broward County employees receive basic awareness training in HIPAA, which will be updated as required by law. Employees who work for the covered components and certain support agencies receive more extensive training to better enable them to comply with HIPAA.
For more information about rights under HIPAA, employees may contact Broward County's Privacy Officer at: 954-357-6500. Employees may also contact the Employee Benefits Manager at 954-357-6700.
Broward County, Division of Human Resources, Employee Benefit Services, shall collect your Social Security number as allowed under section 119.071(5) (a) 2, Florida Statutes, for the following purpose: to match, verify and retrieve benefit plan information as well as for the purpose of payment and audit of premiums collected. You are being provided notice of this activity pursuant to section 119.071(5)3, Florida Statutes.
The County shall also collect the Social Security number of all enrolled dependents as required under the Mandatory Insurer Reporting Law (Section 111 of Public Law 110173) which requires group health plan insurers, third party administrators and plan administrators or fiduciaries of self-insured/self-administered group health plans to report, as directed by the secretary of the Department of Health and Human Services, information that the secretary requires for purposes of coordination of benefits. The law also imposes this same requirement on liability insurers (including self-insurers), no-fault insurers and workers' compensation laws or plans. Two key elements that will be required to be reported are SSNs (or HICNs) and EINs. In order for Medicare to properly coordinate Medicare payments with other insurance and/or workers' compensation benefits, Medicare relies on the collection of both the SSN or HICN and the EIN, as applicable.
If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing toward your or your dependents' other coverage). However, you must request enrollment within 31 days after your or your dependents' other coverage ends (or after the employer stops contributing toward the other coverage).
In addition, if you have a new dependent as a result of marriage or Declaration of Domestic Partnership, you may be able to enroll yourself and your dependents. However, you must request enrollment within 30 days after the marriage or Declaration of Domestic Partnership.
If you have a new dependent as a result of birth, adoption, guardianship or placement for adoption or foster care, you may be able to enroll yourself and your dependents. However, you must request enrollment within 60 days after the event.
To request special enrollment or obtain more information, contact Employee Benefit Services at: benefits@ broward.org or 954-357-6700.
The following is important information about your participation in the County's Section 125 Benefit Plan and about certain benefits and benefit practices. Please take time to read this information carefully. Contact Employee Benefit Services at email@example.com or 954-357-6700 if you have questions.
Purpose: This document provides only a brief description of available benefits for easy reference. Official plan documents for the Broward County Section 125 Benefits Plan, and Flexible Spending Accounts (Health Care and Dependent Care) Plans are available for review at the office of Employee Benefit Services, 115 S. Andrews Ave., Room 514, Fort Lauderdale, FL 33301. The purpose of this handbook is to set forth, or incorporate by reference, a description of the various benefits which benefit-eligible employees are entitled to participate in by virtue of their employment. The County intends that all such benefits be legally enforceable and are for the exclusive benefit of its employees. These benefits are intended to be eligible for exclusion from the employees' gross income for Federal income tax, Social Security tax and state and local tax purposes, where applicable, except to the extent that the rules under the Internal Revenue Service Code may require taxation of any such benefits to those employees deemed to be "highly compensated."
Plan Changes: The County reserves the right to amend, expand, reduce or terminate any of the benefits and the plan or its benefit policies and practices at any time. If any of the benefits are terminated and coverage is not replaced with comparable coverage, ample notice will be given. If benefits under a County health plan are materially reduced, you will be notified within 60 days of the effective date of such material reduction in benefits. Participation in this plan is not a guarantee or contract of employment between employees and Broward County.
Plan Summaries: Descriptions of the various benefit plans available to you under the County's Section 125 Benefit Plan, Dependent Care Accounts and Health Care Accounts are explained in this book. Plan summaries for the Section 125 Benefit Plan are available for employee's review in Employee Benefit Services; these documents explain the eligibility for, limitations on, funding of and duration of the various benefit plans.
Plan Documents: Copies of plan documents for Broward County's Section 125 Benefit Plan, Dependent Care FSA and Health Care FSA are available upon written request submitted to Employee Benefit Services. A reasonable charge may be imposed for copies.
Benefits under any of the plans may terminate, unless the plan specifically provides otherwise, if:
Your employment terminates or your employment status changes to one that is not eligible for benefits
The group plan terminates
Premiums are not paid
The county amends or terminates the plan
The Broward Board of County Commissioners is the plan sponsor. All notices concerning benefits should be sent to:
Broward County Board of County Commission
Human Resources Division | Employee Benefit Services SectionAttn: Plan Administrator115 S. Andrews Ave., Ste. 514 Fort Lauderdale, FL 33301
More Information: Contact Employee Benefit Services at 954-357-6700 or firstname.lastname@example.com if you have any questions about plans or your benefits.
USERRA protects the job rights of individuals who voluntarily or involuntarily leave employment positions to undertake military service. For more information on USERRA, please consult the posters which have been displayed prominently in public areas.


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Bauer does it all in BayBears' win
D-backs top prospect fans eight in seven innings, scores a run
By Robert Emrich / Special to MLB.com | April 21, 2012 9:44 PM ET
MLB.com's No. 9 prospect tossed seven shutout innings and scored the BayBears' first run in an 8-1 victory over the visiting Jacksonville Suns.
Bauer (4-0) allowed four hits and walked two in the longest start of his brief career. The third overall pick in last year's Draft struck out eight and did not allow a run for the third time in four starts this season. It was another big night for Bauer, who had struggled with a groin injury his previous two outings.
"I was actually able to throw out of my normal delivery, which was relieving, for sure," Bauer said. "I couldn't the last two innings of my second start and my last start, I couldn't use my legs and I couldn't get any drive. My delivery is heavily based on torque, and when you can't generate that torque it just throws everything completely off.
"It was [well] enough to the point where I could actually use [my delivery] tonight and be free about it, which is the biggest thing about it. It gets better, but there's always that mental side of whether I can push it. Finally around the seventh inning,I broke that mental barrier to the point where I just let it go and didn't have any issues with it. It's definitely sore still, but I'm sure my next outing it will be back to normal."
Bauer, who does not have a hit this season, drew a four-pitch walk leading off the bottom of the sixth. The 21-year-old right-hander advanced to second on a wild pitch by Suns counterpart Bryan Evans and moved to third on a single by Raoul Torrez. A sacrifice fly by Wladimir Sutil scored Bauer with the game's first run.
"[Manager] Turner Ward told me to take until you get a strike, which I was fine with," Bauer said. "Especially with my groin, swinging wasn't on my priority list tonight. I just stood up there with the bat on my shoulder and just happened to draw a walk."
The UCLA product became the first four-game winner in the Minor Leagues, lowered his ERA to a Southern League-leading 0.40 and has fanned 28 batters over 22 2/3 innings to take the lead in strikeouts from teammate Tyler Skaggs, who fanned 12 on Friday night.
Despite the gaudy numbers, Bauer isn't thinking about moving up a level or two.
"I really have no control over that, other than how I pitch, and I try not to focus on stuff that I can't control," he said. "It becomes such a big distraction that it distracts me from what I need to do and doing my job, which is going out there and competing. It'll happen, hopefully soon, but really it's whatever helps the organization out and it's out of my control."
Matt Davidson, the D-backs' No. 5 prospect, and Marc Krauss slugged two-run homers to help Mobile stop a three-game losing streak.
Evans (0-1) took a no-hitter into the sixth before the BayBears scored four runs on three hits.
Robert Emrich is a contributor to MLB.com. This story was not subject to the approval of the National Association of Professional Baseball Leagues or its clubs.View More

subset: commoncrawl


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1,318 items found in this collection
Fur bracelets and dog collars because
Modess... because
Modess... because
Modess... because
Now! 3 Sizes of Modess!
From Hayride to Honeymoon... the story of a "Lustre-Creme" Newly-wed.
Confirmed Bachelor finds his Dream Girl a lovely "Lustre-Creme" Girl
He used to call me "Scatter-Locks"... now I'm his "Lustre-Creme" Dream Girl
"Career Girl" finds a new career... after becoming a lovely "Lustre-Creme" Girl
Varsity star finds his Dream Girl... a lovely "Lustre-Creme" Girl
Reveals Beauty Secrets of Gorgeous Powers Models!
Barber shows Bill how to get the girls!
Does Lots More Than Keep Hair Looking Handsome
Avoid Scalp Scum
Intoxication Waltz... for "Lustre-Creme" Dream Girls only
Page 1 of 83 Next »


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Traditional folk singer Rich Bala will entertain with songs and
stories of the Hudson Valley, accompanying himself on guitar,
harmonica, and the mountain dulcimer. Bring the family to our
beautiful Desmond Campus. Campus will open one hour before the
concert begins. Bring chairs, blankets, and picnics.
Admission: $5 per person
Rain date: July 20 at 6 pm
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Slash helping create an 'Angry Birds' rock star edition
Listen to Slash on iHeartRadio
Slash is looking to add to the "Angry Birds" franchise. The guitarist explains that he's working with the game makers in putting a unique spin on the concept.
Slash adds that he's submitted a list of 75 rockers he thinks would be good characters for the game. The former Guns N' Roses guitarist says he's been enjoying "Angry Birds" for years, which is how he got hooked up with the company.
He explains that after learning he's a longtime fan they contacted him about a collaboration, which resulted in him writing the theme music and getting his own character in "Angry Birds Space."
Photo Credit Getty Images


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Sociology and Criminal Justice
Mission Statement
The mission of OCU's Sociology and Criminal Justice Department is to prepare future leaders to examine the diverse factors that lead to conflict and violence in society. Our curriculum is designed to promote proficiency in written and verbal communications, provide rigorous training and encourage critical reflection. Through these skills, students will learn how to create sustainable organizations, policies, and dialogues that transform social relationships and shape a more just society.
If you want a college experience characterized by seminar classes, one-on-one faculty interaction, and courses covering issues the world is facing today, the OCU Sociology and Criminal Justice Department is the place for you to get an exciting, challenging education.


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- Who We Are
- What's ON
- The Waterfront
- Learning
- Donate
Due to construction in the area, please allow extra travel time when visiting Harbourfront Centre. Details here.
Wednesday, March 14, 2012
Kalanidhi Dance Festival - Spring Festival of Contemporary Indian Dance - CANCELLED
Wednesday, March 14, 2012
Please note that this performance has been cancelled. Under the artistic direction of Sudha Khandwani, Kalanidhi Fine Arts of Canada presents four evenings of contemporary Indian dance featuring artists from Calcutta and Canada's top Indian dance companies.
March 14–17,2012
For details inquire at the Info Desk or call 416-973-4000.


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Keep up-to-date
with all the happenings at the
International Owl Center
by signing up for our e-newsletter
The City of Houston, Minnesota, a town of only about 1,000 people, decided to create a nature center in 1996 to serve as the town's trailhead for the Root River Trail. Karla Bloem began working for the City to develop the Houston Nature Center soon after and was advised by other nature centers to begin programming before the building was constructed. To that end Karla acquired Alice, a permanently injured Great Horned Owl, to use in educational programs in 1998.
As the Center's only live animal, Alice had easily risen to local celebrity status by the time the Houston Nature Center building was constructed in 2001. Due to the Center's twin goals of environmental education and tourism, it seemed only natural to have a Festival of Owls to celebrate Alice's "hatch day" the first weekend in March.
The first Festival in 2003 drew 300 attendees, with little publicity. The Festival of Owls had great potential, and it grew significantly each year with people flying in from all over the United States to attend. When the Festival added the World Owl Hall of Fame, top name owl biologists from all over the world were flying to Houston to speak at the Festival.
With an eye to the success of the National Eagle Center just one hour north in Wabasha, Minnesota, Karla started mulling over the idea of creating an Owl Center in Houston. After all, there was no facility dedicated to teaching people about owls anywhere in North America, and the Festival had proven there was significant interest in learning about owls.
In 2008 Karla was awarded a Bush Leadership Fellowship to allow her to conduct a self-directed program of study aimed at creating an Owl Center in Houston. She took courses in festival and event management, non-profit management, captive raptor care, and raptor field techniques, as well as touring facilities around the U.S. and England.
In 2009-2010 the University of Minnesota conducted an economic feasiblity study for the proposed Owl Center. A summary of findings and a link to the full study can be found here.
In 2010 Karla acquired a non-releasable pair of Great Horned Owls to use in a captive breeding program as part of a vocal study she is conducting on the species. Video of the owls streams live on the internet so people anywhere in the world can watch and help with observations. This became the first step in creating the new Owl Center, although it began through the Friends of the Houston Nature Center.
The Owl Center's Board of Directors started meeting in 2011 and after much discussion settled on the name "International Owl Center" for the new facility.
In 2012 construction began on a Natural Playground in Trailhead Park, next to the proposed site of the Owl Center. British owl centers had stressed how important it was to have a playground at their facilities, so this is an important step in the development of the International Owl Center. It was completed in 2013.
Thanks to donations, members, and volunteers, the International Owl Center opened to the public in its temporary home in early March 2015, in conjunction with its annual International Festival of Owls. The next step is to acquire the site for the Center's permanent home, then begin construction.
Gift Shop Volunteer Jo Hidaka
Board Chair – Nick Gau, Business Owner and Attorney, Rochester, MN
Vice Chair – William L. Ohm, Retired Civil Engineer, La Crescent, MN
Treasurer – Robert Carlson, Real Estate Broker, Houston, MN
Director – William Christensen, Land Planning/Architecture/Development, Winona, MN
Director – Matt Schutte, Houston City Council, Houston, MN
Director - Jim Nissen, retired U.S. Fish and Wildlife Service refuge manager, La Crescent, MN
Director - Cindy Wright, La Crescent, MN
Director - Scott Bingham, Chartered Advisor in Philanthropy, Spring Grove, MN
Advisor – Dr. Wolfgang Scherzinger, Retired Bavarian National Forest Zoologist, Germany
Advisor - Patrick Forsyth, Certified Financial Planner, Houston, MN
Advisor – Russell Smith, Winona State University Marketing Department, Houston, MN
Advisor - Andrea Lorek Strauss, Environmental Science Educator, University of Minnesota Extension, Rochester, MN
Volunteer Docent Job Description
The International Owl Center is open in our temporary home, the historic Houston Mercantile/Skifton Building, located at 126 East Cedar Street in Houston, Minnesota.
From the east or west, take Highway 16 to Houston. The Owl Center is located one block east of the main intersection of Highways 16 and 76 in Houston, across the street from the Houston Public Library. From the north, take I-90 to Highway 76 south; continue south 14 miles, then turn left (east) onto Highway 16/76, which is Cedar Street. From the south, take Highway 76 north and into Houston. The Owl Center is located on the corner of Cedar and Sherman Streets.
Karla Bloem, Executive Director
International Owl Center
126 E Cedar St
PO Box 536
Houston, MN 55943
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The International Owl Center advances the survival of wild owl populations through education and research. We plan to accomplish our mission through biological and cultural programs and displays, green building design, citizen-science and other research, international exchange of information, the World Owl Hall of Fame, the International Festival of Owls, and other means.
© 2013 International Owl Center
Website Design by Ihrke Innovations | Wabasha MN
Website Hosted by The Owl Pages


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A hi-tech marching percussion learning station.
The Roland RMP-12 Rhythm Coach offers an exciting dimension of portable sound and expression, geared toward marching applications. The RMP-12 is the world's first electronic marching percussion instrument to incorporate Roland's patented multi-layer mesh head technology, giving drummers a real-feel, and allowing drummers to practice late into the night.
Mesh-Head Comfort
The Roland RMP-12's patented mesh drum head provides low acoustic noise, high durability, and unsurpassed comfort. Head tension can be adjusted with a drum key, just like an acoustic drum, for the perfect stick response. The head is also replaceable, like an acoustic drum.
World of Sound
This enhanced drum pad from Roland offers high-quality marching snares, toms, bass drums, cymbals, and other drums and percussion instruments. It also contains a variety of Latin percussion as well as electronic sounds. The four memory buttons let you store your favorite sounds and call them up instantly during your performance.
Rhythm Coach Onboard
The Rhythm Coach helps you build speed, stamina, and accuracy. Even if you're not in the Rhythm Coach mode, you can practice with the Time Check whenever you start the metronome. The Time Check Score, which grades accuracy, is one of the menus in the Rhythm Coach. Other effective exercises include the Auto Up/Down, which gradually speeds up and slows down the metronome, and the DynaMeter, which shows your stroke dynamics on the screen.
Marching Percussion
Perfect for extended wear, the RMP-12 Rhythm Coach is lightweight and battery-powered. It can be attached to standard marching drum carriers for wireless transmission, allowing you to freely move around during your performance. For practice, mount it to a concert snare stand and use an amplifier to monitor or simply connect headphones for quiet practice.
- 12" mesh drum pad with rim triggering
- Expressive sound module with a variety of sounds
- Live Mode to focus on your marching performance
- Built-in Rhythm Coach for skill building
- Lightweight and portable with battery power
- Mix input and audio output for personal and professional use
- Headphone output for quiet practice
RMP-12 Marching Percussion Specifications:
- Drum Pad
Head Size: 12"
Trigger: 2 (Head, Rim)
Sound Generator
Instrument Parameters: 128
Instrument Parameters: Tuning, Volume
Memory Bank: 4
Tempo: 20 to 300BPM
Beat: 0 to 13
Rhythm Types: 5 types
Click Sounds: 7 types
Others: Timer Function, Time Check Function
Rhythm Coach Functions
Time Check Score
Speed Check
Rhythmic Notes
Auto Up/Down
Dynamic Meter
Tap Tempo
Display: Custom LDC
Connectors: Phones Jack (Stereo miniature phone type), Mix In Jack (Stereo miniature phone type), Output Jack (1/4 inch phone type), Trigger Input Jack (1/4 inch TRS phone type), AC Adaptor Jack
Power Supply: DC 9V, Dry battery LR6 (AA) type (alkaline) x 6 or AC Adaptor (PSB-1U: optional)
Current Draw: 220mA, Expected battery life under continuous use: Alkaline: 8 hours
(vary depending on the actual conditions of use)
Accessories: Owner's Manual, Dry battery LR6 (AA) type (alkaline) x 6, Drum Key, Cable Tie, Application Guide DVD
Size and Weight
Width: 13-3/4" (348mm)
Depth: 16-7/16" (416mm)
Height: 7-11/16" (194mm)
Weight: 8lb. 3oz. (3.7kg)


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Virginia Zuber discusses how her participation in the Small Business Leadership Academy has benefited her business, Diamond Underground Construction Corp.
Small Business Leadership Academy Past Participant:
Virginia Zuber
Diamond Underground Construction Corp.
Tell us about your business: Diamond Underground is a dry utility contractor that specializes in trenchless methods, or directional drilling, to place conduit underground for the purpose of housing wire or cable for power and communications use. The intent of directional drilling is to install the conduit in a less intrusive manner and to leave the majority of the property undisturbed.
Year of participation in SBLA: 2008
What was the most important thing you learned from SBLA? The most important idea that I learned from SBLA is that I am not an island. There are so many of my colleagues that face the same decisions that I do and sharing them with other entrepreneurs was a wonderful outreach. Also, the formal instruction offered at ASU opened my eyes to looking at things differently, to check out how largely successful companies keep their employees loyal, for example. Another benefit was that I was reminded to identify what my bottom line is, my 'walk away' point, before I walk into a negotiation.
How have you changed the way you do business based on what you learned during SBLA? I would say informally that I have changed the way I do business. I cannot pinpoint one specific topic that is obvious from the class, but I think the way I approach everyday life as an entrepreneur has definitely been positively affected through my involvement with SBLA, the formal instruction, and the continual re-enforcement that I get from the monthly (alumni) meetings.
How has the SBLA alumni community been helpful to you since you went through the program? I look forward to their continuous support and insightfulness. Just recently, I was having a moment, peeling off another layer of struggle that I was experiencing, and just sharing it with the group, and absorbing their feedback was priceless.
What aspects of SBLA do you consider most valuable for other small business owners in Phoenix? Networking with similar businesses has been invaluable. It has allowed us to focus on real problems and come up with solutions to move our business forward. The training we received in class has allowed us to minimize mistakes and maximize our opportunities.
Virginia Zuber is the President of Diamond Underground Construction Corp.
For more information about the program, including admission requirements, please visit SBLA's website.
For more information about the program, including admission requirements, please visit SBLA's website.


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'When the Buffalo Sabres first said they were interested in playing a regular-season game in Rochester, it was natural to assume the opponent wouldn't be an impressive one. The Florida Panthers? The Nashville Predators? The Atlanta Thrashers? Try the defending Stanley Cup champions.'
Rochester gets Sabres vs. Devils
July 17, 2003 Submitted by
Via: Buffalo News


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Could Adele Be Collaborating With Burberry On a Bespoke Plus-Size Line?
Rumors are flying that Adele will be collaborating with Burberry on a bespoke plus-size line. Oh, please let the rumors be true!
-Lucia Peters
Could it be? Is Adele really teaming up with Burberry for a fabulous, bespoke, plus-sized line? Oh, please let it be true! Please oh please oh please!
Sadly, at the moment, we don't know whether it's actually happening. According to Vogue UK, though, rumors are floating about that the singer was approached by Burberry's creative director, Christopher Bailey, about becoming an ambassador for the classy British fashion house—as well as asked to work with him on a bespoke line for curvy ladies. Neither Adele's people nor Burberry's have confirmed the news, though, so for the time being, they remain rumors. Sigh!
Fashionista points out that while the collaboration might be a little unusual—celeb designed collabs are usually "reserved for the high street," as it were—it still makes a lot of sense. As they put it, "both Adele and Burberry have a quintessential British quality to them, and both are fiercely proud of their English heritage." Sounds about right. Recall, too, that Burberry has dressed Adele for the red carpet a number of times. And hey, since the fashion house literally JUST showed their Spring 2013 collection, the time is ripe for an announcement, no?
Read Lisbeth Salander—Er, Rooney Mara—to Host the 2013 Punk-Themed Met Ball
As for us? We're really hoping it's true. Adele is all sorts of classy as well as amazingly talented, and we can't think of anyone better to helm a project like this (eat that, Karl Lagerfeld!). "I've met Christopher Bailey a few times," Adele has said previously; she continued, "I've always loved Burberry. I remember saving for three years to get my first bag before I got signed." Hope springs eternal!
In other news, the mama-to-be and newlywed (how exciting!) is the next in a long line of fabulous musicians to sing a James Bond theme: Adele has been confirmed for the theme for the next Daniel Craig Bond flick, Skyfall. Skyfall hits cinemas on October 26. Everything's coming up Adele!
Lucia Peters is BettyConfidential's associate editor.


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The Oceanic Veo 1.0 is a Solid Basic Dive Computer designed for Air or Single Gas NITROX Mixes up to 50%. It Displays Only-Essential Information during the Dive in Easy-to-Read Digits; uses Effective-Bar Graphs to present Nitrogen Loading and Ascent Rate; and offers useful features like an Automatic Safety Stop Countdown Timer that ticks off three minutes when you ascend to 4.6 meters (15'). A Single Push Button is all that's required to Navigate-the-Settings and the Sequences are Intuitive with help from the Excellent Owner's Manual and Waterproof Prompt Card. At this price point, you are giving up bells and whistles--most notably audible alarms, a backlight and the ability to download dive profiles--but these are excellent choices if you want a simple, low-cost computer.
The Oceanic Veo 1.0 is powered by Oceanic's Exclusive Dual Algorithm - Your choice between Pelagic DSAT (Spencer/Powell data basis) or Pelagic Z+ (Buhlmann ZHL-16C data basis). The Computer is Water and/or Manually Activated, provides Time of Day Display in a 12 or 24 hour Format, will Automatically Adjust for Altitude Diving from 610 to 4,200 meters (2,000' to 14,000') and has a 24 Hour Time to Fly Countdown Function. The Computer has a 12 Dive-On-Unit-Log Capacity, Pre-Dive Planning Sequence Function, provides Temperature and can be set for Metric or Imperial Units of Measure.
The Oceanic Veo 1.0 Computer has a Deep Stop Option, Decompression Capability for 3 to 18 meters (10' to 60'), Variable Ascent Rate Function, Nitrogen Tissue Loading Bar Graph, Numeric Percentage Oxygen Loading, O2 Time Remaining and is equipped with a User-Replaceable CR 2450 Battery with an 8-Second Hot-Swap" Function to Retain Calculations during a Battery Change. The Computers Operation Depth is 100 meters (330'). The Oceanic Veo 1.0 Dive Computer is covered by a 24 month limited Warranty. The Computer comes in a Console with a Submersible Pressure Gauge (SPG). The Oceanic's SWIV SPG comes in a Durable Impact Resistant Boot with a High Pressure Hose. The Pressure Gauge has 0 to 400 bars Readout with a Safety Reserve 0 to 50 bars Color Coded in Red to allow the diver to know that they are low on air. The Pressure Gauge also has a Yellow Color Coded Caution Zone from 50 to100 bars for Deeper Dive Reserve Requirements and a Green Color Code Zone from 100 to 400 bars. The Gauge Case is manufactured from Tough Glass-Filled Noryl and the Gauge Face is Durable Lexan. The Impact-Resistant Boot has Multiple Eyelets for attachment of a clip or lanyard to keep the gauge close at hand and from dragging over the environment.
The Pressure Gauge has a Shock Resistant Bourdon Tube Mechanism and is equipped with a Double Kevlar Braided High Pressure Hose with Triple Chrome Plated Marine Brass Fittings with a 7/16" Threaded end. Hose has a 360° Swivel end for easy use. The Pressure Gauge is also equipped with a Temperature Gauge Both the Pressure and Temperature Gauge Needles Tips are colored Bright Red for easy reading The SWIV Pressure Gauge is covered by a 60 month limited warranty.
This product has a limited warranty of 24 months.


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Georgia Hostage Situation Over, Gunman Dead
(Gwinnett County, GA) -- A hostage situation involving Georgia firefighters is now over. Five were originally called to the scene northeast of Atlanta on a medical call. One was eventually let go. The suspect was killed in a confrontation with officers as they entered the home to end the standoff. None of the firefighters were hurt.
One officer suffered a single gunshot wound to the hand in the exchange. Authorities say the suspect was demanding his utilities be turned back on. At least one source said he faked a heart issue to get the responders to the scene.


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800 University WaySpartanburg, SC 293031-864-503-5000
What is the Gold Dome Society?
The USC Upstate Foundation was established to acknowledge donors and increase awareness of the critical importance of receiving academic assistance from alumni and friends. For the "Investing in Futures" Campaign, new recognition levels have been established to honor and thank donors who have invested in USC Upstate:
The USC Upstate Associates honors contributors who make gifts to the Annual Fund for Excellence on the following level:
Recognition for both the USC Upstate Associates and Chancellor's Society giving levels is awarded in the fiscal year in which $5,000 or more in cumulative giving is achieved, dating from July 1, 1995 (the beginning of USC Upstate Capital Campaign accounting).
For more information about the USC Upstate giving societies, please contact the USC Upstate Development Office at (864) 503-5209.
Is my gift tax deductible?
Yes. Your contribution in support of USC Upstate is tax deductible to the full extent of the law. Federal law allows donors to take income tax deductions only for the portion of their contribution that are outright gifts. If donors receive any item of value in return for their gift, they must subtract the fair market value or the cost, depending upon the situation, from the charitable gift total.
What is the relationship between the USC Upstate Foundation and Office of Alumni Development?
While both organizations share a common mission of encouraging support for USC Upstate, each is independent and supports the institution in a special way. The Foundation's distinct focus is to raise and manage funds for the University's academic programs. Alumni Development keeps USC Upstate alumni data up to date as well as provides programs and events of interest to alumni.
Can I designate my gift?
Unrestricted gifts give the University the greatest flexibility in allocating funds where they are most needed. You may, however, restrict your contribution to one of the specific needs of USC Upstate, such as scholarships, building renovations and restorations, faculty enhancements, and library acquisitions.
Employer Matching Gifts
More than 1,000 companies sponsor Matching Gift Programs for employees and their families, especially to institutions of higher education. Most companies match gifts on a dollar per dollar basis. Some companies match on a 2:1 or even 3:1 basis. Each company manages its own program and distributes its own forms. Please contact your human resources office for more information.
Matching gifts are a wonderful way to impact the USC Upstate, with no extra cost to you! If you work for a company with a Matching Gift Program, please take advantage of this employee benefit.
Make your gift to the Foundation online!
Vice Chancellor for University AdvancementDirector of the USC Upstate FoundationMeredith N. Brunen, Ed.D
Director of Development and Foundation ScholarshipsVacant
Director of Annual GivingStephen Frey
Director of Advancement ServicesYolanda Robinson
Director of Alumni RelationsJoshua Jones
Administrative AssistantSamantha Bauer
Financial Information
Current Annual Report
Additional Information
Foundation Board Members
Advancement Newsletter
Charitable Gift Annuity Calculator
Private Support for Public Ed.
Contact Us
USC UpstateAdministration Building800 University WaySpartanburg, SC 29303Phone: 864-503-5234Fax: 864-503-5264Email the Advancement Office
Faculty & Staff Directory
The University of South Carolina Upstate is accredited by the Southern Association of Colleges and Schools Commission on Colleges to award baccalaureate and masters degrees. Contact the Commission on Colleges at 1866 Southern Lane, Decatur, Georgia, 30033 or call 404-679-4500 for questions about the accreditation of USC Upstate. Comments or Complaints?


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Dear Figaro,You are one of the handsomest cats I've ever known and the most handsome cat I've ever had. Why, therefore, do you not want me to take your picture? I didn't get a single good shot of you this afternoon.
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'The Sabres can set the team record with a 9-0 start with a win at Montreal Monday. The 1975-76 team lost its ninth game, at Toronto. The NHL record for longest winning streak from the start of a season is 10 games, by Toronto in 1993-94.'
Buffalo 6, Boston 2
October 22, 2006 Submitted by
Via: The Sports Network


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IT was a torrid day for our Weston and District League sides this week with Berrow Reserves, Burnham United 'A' and Wedmore all tasting defeat.
Berrow Reserves were in Knock Out Cup second round action against Division Two side Tickenham United but fell to a narrow 3-2 loss.
They will hope to bounce back against Draycott in the league this Saturday.
Back to league action and Burnham United 'A' were knocked for six in their 6-2 defeat at Locking Park. The result leaves the team fourth from bottom ahead of a home clash with Nailsea United 'B'.
Division Three side Wedmore were also in action but fell to a 4-0 loss at home to Winscombe 'A' and will take on Shipham at home this weekend.
Other matches this weekend see King Alfred Sports Centre travel to Nailsea United Colts, Burnham United 'B' make the trip to Clevedon United 'B' and Wedmore Reserves visit Clapton in Gordano.


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Minn Kota® MK 115PC Battery Charger
Item # WX2-284855
Mfg. Number: 1821151
Minn Kota® MK 115PC Battery Charger
Item # WX2-284855
Mfg. Number: 1821151
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- Details & Specs
Minn Kota® Battery Charger. Power that gets you to where the fish are.
Get out there quicker, stay there longer, with shorter charge time and longer run times. This on-board Charger is designed to create fast, safe charges, with features like battery equalization, low-line voltage compensation and true-rated output to create the fastest, most protected charge on the water.
Easy to operate, too... a comprehensive LED display lets you select battery type by bank and monitors each bank's connection, power status, state of charge and selected battery type. All this, plus half the weight of, and more compact than, traditional chargers! Includes AC plug holder to keep plugs dry, safe and accessible.The fastest charge:
- True-rated output delivers a more consistent 15-amp output for a faster charge
- Low-line voltage compensation for a fast, consistent charge, every time
- Automatic temperature compensation designed to sense outside temperature fluctuations and adjust charging accordingly for a fast, accurate charge
- Every time you hook up, battery equalization automatically cleans and conditions battery to extend run time and battery life plus push-button design lets you activate a full, thorough equalization
- Multi-stage charging controls voltage and current your battery gets throughout charging cycle, ensuring a fast, safe and precise charge
- Microprocessor-based design enables Charger to continually monitor temperature and state of charge, for a faster, more regulated and exact battery charge
- Waterproof, shock- and vibration-resistant aluminum construction
- Saltwater-tested, fully corrosion-resistant construction
- Short circuit, reverse polarity, arc and ignition protected
- For use with 12, 24-, 36- or 48-volt systems with 12V/6 cell batteries that are flooded lead acid, maintenance free, starved electrolyte (AGM / HP AGM) or gel only (60-180 amp hour rating)
- FCC compliant
- Designed to UL1236 marine standard.
- Description: 115 PC Battery Charger
- Banks: 1
- Amps Output / Bank: 15
- Amps Total Output: 15
Sparking something in you? Order your Charger ONLINE today!
- Reviews
- Frequently Asked Questions
- Articles & Tips


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David E. Frederick, PhD, NCTC-1
Clinical Psychologist
1218 5th Ave. – Suite 14, Huntington, West Virginia 25701
Experiencing a sense of deep grief is a very natural and human reaction to an important loss. This can occur through death, divorce, and of another dearly-beloved relationship, as well as the loss of a highly-valued profession or physical ability through car accident, work injury or other means. As appropriate for the particular client, Dr. Frederick may employ the use a very structured letter-writing homework exercise, an effective in-office exercise, and/or simply and caringly listening to the client's deep pain.
Michael Clay, MA, DMin
Independently Licensed/Board Certified Counselor
The Word House, Inc. - 401 10th Street, Suite 320, Huntington, West Virginia 25701
Grief is a normal reaction to loss. Progressing through the associated process of grieving requires one not only to arrive at answers as to how the loss influence one's life, but also overcoming the emotions that are universally associated. Counselors assist the person grieving accomplish both, in an atmosphere of much needed support and encouragement.
Sky Kershner, LPC, LCSW
KPCC Counseling: Take the Next Step
16 Leon Sullivan Way, Charleston, West Virginia 25301
Our staff is well versed with the challenges of coping with loss and how difficult it can be to transition to a place of wholeness, acceptance, and peace. Your grief is your personal journey, now one can walk it for you, and no one can tell you how you should be doing it. I will walk with you. Telling the story of your relationship can be difficult, but through the tears, healing often comes.


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Results for (334)-513-2011
Phone Number Details
Phone Number: 3345132011
Due to number portability, some numbers may have been transferred to a new service provider and nearby city.
Premium Information is up to date and includes owner name, most recent address, and much more.
About MONTGOMERY, AL
Location Type: City
Complaints about 334-513-2011
Caller Type: No Complaints
File a Complaint About 334-513-2011
No complaints filed for 334-513-2011.


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Young adults look to emulate St. Francis' bond with nature
On a recent Saturday, members of the local Franciscan Earth Corps stocked shelves and cleaned storage rooms at a food pantry. In early March, the group will screen "Triple Divide," a documentary about hydraulic fracturing, or fracking. Later this spring, they'll put up bluebird boxes at a retreat center.
And once a month, they'll gather to talk about Franciscan spirituality.


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Our Restaurant of the Year is Aubergine, a place that defies our distaste for fiddly, defies our preference for casual over fine dining, and continues stunning us with the excellence, the sense of adventure and the sheer beauty on the plate. This is partly about Ben Willis's flexibility with the ingredients he uses – never stuck in a formulaic or unchanging menu, he is always finding something new with which to weave his magic. His approach is modern and open and switched on to what people want. Catriona Jackson's review is adjoining.
This is the second-year running Aubergine has got the gong. It pipped Ottoman at the post this year, with that long-stayer on the Canberra scene doing a million-dollar flash refurb mid-year and opening again with some fantastic new inspiration on its specials board thanks to a staff exodus to Turkey. We're looking forward to some of that action on the main menu next year.
Otherwise in our top 20, there are some new places and some gone. Ox Eatery and Malamay are welcome additions, both very good and offering something pretty interesting. In the case of Ox, it's rotisserie meat, mini burgers and bone marrow on toast in a relaxed booth-style restaurant and bar set-up, with a focus on good booze.
Malamay is the smart Sichuan restaurant of the Chairman group, a place of corporate Asian chic and with a degustation-only menu. Lots of little plates full of technique, fascinating and unique in town, although a place that doesn't appeal to everyone.
Another intriguing opening this year, although too recent to make the top 20, is Red Chilli Sichuan, on Alinga Street, a crazy, extreme-flavoured, ornate-furnitured place packed with Chinese diners and devoted largely, it feels to innards and extremities.
As an aside, a fusiony Asian eatery, Wild Duck, opened in the concrete wilds of the Kingston foreshore, Brodburger moved in to a permanent spot nearby at the Glassworks, and Grant Kells also opened his new super-casual, fast-paced eatery in the city, Smoque, based on the smoker and the barbecue of the American South.
All of which shows a trend to the casual and a return to meat, not the super-lean cuts, but the fatty secondary cuts, and in many cases (check out the bar snacks around town), fat and the deepfryer. You have to wonder in these times when fat is king whether KFC would have bothered, were its decision made today, to change its name from Kentucky Fried Chicken. No-one's frightened of deepfried chicken nowadays, you'd have to say (look what Natasha Rudra found them eating in Chicago), so long, of course, as it's humanely sourced.
You'll notice in our top 20 restaurants that follow that scores have sometimes moved up or down by half a point or so compared with reviews during the year. This, for the record, is about drawing finer distinctions between these restaurants that we regard as the 20 best. They all scored at least 14.5 (most 15 or higher) during the year. Here, we spread them just a little wider.


text:
Hi at all!
I'd like to buy a Netbook..but.. which is better for use BT without problems?
For example an Asus eee 900A: with a little processor, only 1.6 Ghz can be good?
I think that 8Gb is enough to work with BT but the processor(and the ssd is more shock-resistant than norman hhd, useful if i've to bring it around), only 1.6 Ghz is sufficient to trying to test wireless connections security?
Someone that have a netbook for use BT, can help me to choose ?
The last thing is the battery: how much can i use BT before the Netb. leave me alone?
-Monkeys are like nature's humans.
I've got the 900A and it is absolutely suited for BT3.
You can test wireless security even with a smartphone/iphone. It will tell you if there is one in place or not
To be serious again, 1.6 Ghz should be enough for most of the part you are dealing with while using BT.
Let me ask why it shouldn't be sufficient.
Tiocfaidh ár lá
I think most eee pcs will work good the reason I like mine is cuz no one I know has it and its smoth and shiny on the top >.<
Thanks for the answers!
Returning to talk about Netbook, I'm looking to buy the 900A, which cost 250.
KMDave or other users of the 900A, can you tell me how much the battery lasts?
In the first, hi to all.. This is my first post here!
I would like buy EEE 900A too, using it only for penetration test and traning about BK.
Can i be sure that it is full compatible with all the features of BK 3?!
Thx in advance for your replies!
KMDave says the 900A works. I've got a plain old 900 but it works perfectly with BT.


text:
Retro Over-Ear Monitor Headphones RP-HTX7-K1 - Black
Details http://shop.panasonic.com/audio-and-video/headphones/over-ear-on-ear-headphones/RP-HTX7-K1.html
- Award-winning, retro design, over-the-ear monitor style headphones
- Dynamic true-to-life sound with large 40mm neodymium driver units
- Lightweight and comfortable, 5.4-ounces (without the cord)
- Single-sided 3.9ft. cord easily threads through clothing or bags
Back Order
Estimated Ship date: 5-7 business days
Product Actions
RP-HTX7 Gallery
Cutting-edge monitoring technology meets award-winning styling with the Panasonic RP-HTX7 Headphones. Large, 40mm drivers deliver powerful, resonant bass that accompanies the crisp, precise mids and highs. Retro styling and a choice of seven colors give the RP-HTX7 headphones their unique, individual identity.
Dynamic, True-to-Life Sound Drawing on their monitoring roots, the RP-HTX7 delivers highly-accurate sound with meticulous detail from one end of the frequency spectrum to the other. You'll enjoy supremely balanced sound quality, with perfectly placed mids and high tones that are faithful to the original recording.
Award-winning, Retro Design Classic materials and finishes, like durable piano wire, along with throwback, retro styling give the RP-HTX7 Headphones their distinct appearance so they look every bit as good as they sound. Choose from seven available colors to express your distinct individuality.
Large-diameter 40mm Neodymium Driver Units Large, 40mm neodymium drivers power full, enveloping bass that's free from distortion, even at higher volume.
Lightweight and Comfortable The RP-HTX7 tips the scales at a feather-light 5.4-ounces without the cord, and features a soft, easy-fit headband. The fit is snug enough to stay put and keep out ambient noise yet are so comfortable, you might forget you have them on. The single-sided cord stays out of your way.
SpecificationsExpand All
- Drive Unit (diam. in mm) 40
- Impedance (ohm/1kHz) 40
- Sensitivity (dB/mW) 99
- Max. Input (mW) 1000
- Frequency Response (Hz-kHz) 7-22
- Cord Length (ft./m.) 3.9/1.2
- Plug Adaptor (6.3mm in diam.) Yes
- Plug Type Gold
- Magnet Type Neodymium
- Wide Head-band Yes
- Large Foam Earpads Yes
- Single-side Cord Yes
- Ergonomic Design Yes
- Single-side Monitoring Yes
- Color Black
- Weight(g./oz.) without Cord 153/5.4
RP-HTX7 is rated out of 5 by 48.
Rated 2 out of 5 by Anonymous from Bass Quit These were great for about a year. Headphones still look new! I love the style. Unfortunately, after about a year, the left speaker is no longer putting out bass. So the right side is heavy sounding and there is no way to fix this. And the cord is about a foot too short.
Date published: 2016-11-22
Rated 1 out of 5 by Anonymous from Worst headphones I ever purchased I bought these headphones based on my research & reading all reviews from different websites. When I received them I could not adjust the volume...I used them with my laptop & I updated all of my audio controls, basically did everything I could to enhance my listening. There is nothing wrong with my pc, there was not anything further I could do. Now, the left earpiece is not working at all. Very, very disappointed in these headphones!
Date published: 2016-07-16
Rated 4 out of 5 by Anonymous from Good sound for a good price and look first let me start with looks, they look cool, retro cool, I live in the city and it matches my downtown vibe. they are not cheaply made, they look durable and they are comfortable. the sound is not as great as I expected, needs better mids but overall bass is good. my podcasts sound null but when I listen to rock is good sound. this will not replace my more expensive headphones but I like them
Date published: 2016-05-08
Rated 5 out of 5 by Anonymous from Awesome headphones! They're a really great set of headphones, but the leather starts to come off.
Date published: 2016-05-05
Rated 5 out of 5 by Anonymous from Great Heaphone I really like the quality of this headphone. Sound so great and price unbeatable
Date published: 2016-05-03
Rated 4 out of 5 by Anonymous from Lightweight nice sounding cans A lightweight and fairly comfortable set of headphones. The cord is soft and easy to wrap when not in use. Like others have mentioned, the ear pads will flake off at some point exposing the foam underneath. It would be nice if they were replaceable. Overall I like the sound for the relative price point, but ear pads will not last with heavy usage.
Date published: 2016-05-03
Rated 5 out of 5 by Anonymous from Excellent inexpensive cans These headphones offer excellent sound and durability for the price. They also have this very cool neo-retro look, as if you're an airline pilot in some steampunk future. They are also quite tough, and the one pair I've had has lasted 8 years of pretty strenuous use at this point. They do, however, not have any inline microphone. That does simplify the design, but if that's important to you might want to look elsewhere.
Date published: 2016-05-03
Rated 5 out of 5 by Anonymous from best headphones ive had for the price These are really good headphones that only started to fail on me ,I've had them for 4 years now , I wish they made replacement earpads other than that these are the best
Date published: 2016-04-29
Additional Documents
Consumer Product Support and Technical Assistance
Operating hours:
Mon-Fri 9am-6pm EST


text: Hey folks, I am new to the forum. I am 26 years old Indian American male who recently finished grad school, started a job as a statistician at a start-up, and got interested in fashion. I have never dated in my life. never kissed a girl. and never asked someone of their opposite sex for their number. I wouldn't say that I'm socially inept since I am capable of interacting with people, it's just that I don't attract women. On several occasions, I've heard women say that I was unattractive and have been called a creeper. Over the past few weeks, I've been feeling really lonely and want to change. It's not that I want to have random sex with lots of women, I just want to meet a few good women and do a little dating. Can anyone provide some suggestions? Things I've changed over the past few months = - Updated my wardrobe. Things I need to work on = - I need to not look angry all the time - I need to start hanging out at places where I can meet women. These days, my day consists of waking up at 4am, hitting the gym, going to work, going home and doing various things at home. I work with almost all men and just don't have any "normal" situations during the day where I interact with women. - I need to work on self confidence. I used to be obese and have the same self image I did then even though I now have an athletic physique. So if you have any suggestions or helpful advice, let me know?


text:
Mar 282012
Movie Trailer of the Day Special No.213 – Total Recall
A different movie trailer everyday, might be from a new film, might be from a film you've never seen, might even be just because its a terrible trailer. What I will say is they will all be interesting in some way.
Anyway peace out suckers!


text:
Vulvodynia (vul-voe-DIN-e-uh) is chronic pain in the area around the opening of your vagina (vulva) for which there is no identifiable cause. The pain, burning or irritation associated with vulvodynia may make you so uncomfortable that sitting for long periods or having sex becomes unthinkable. The condition can go on for months or years.
If you have vulvodynia, don't let the absence of visible signs or embarrassment about discussing the symptoms keep you from seeking help. Treatment options are available to lessen your pain and discomfort.
The main vulvodynia symptom is pain in your genital area, which can be characterized by:
The pain you experience may be constant or occasional and can last for months or even years, but it can vanish as suddenly as it started. You may feel the pain in your entire vulvar area (generalized), or it may be localized to a certain area, such as the opening of your vagina (vestibule).
A similar condition, vestibulodynia, may cause pain only when pressure is applied to the area surrounding the entrance to your vagina.
Vulvar tissue may look minimally inflamed or swollen. More often, your vulva appears normal.
Although women often don't tell their doctors about the problem, vulvodynia is a fairly common condition.
If you experience pain in your genital area, discuss it with your doctor, or ask for a referral to a gynecologist. It's important to have your doctor rule out more easily treatable causes of vulvar pain, such as yeast or bacterial infections, other skin conditions, and medical problems such as diabetes. It's also important not to repeatedly use over-the-counter treatments for yeast infections without seeing your doctor. Once your doctor has evaluated your particular symptoms, he or she can recommend treatments or ways to help you manage your pain.
Doctors don't know what causes vulvodynia, but contributing factors may include:
Many women with vulvodynia have a history of treatment for recurrent vaginitis or vaginal yeast infections. Some women with the condition have a history of sexual abuse. But most women with vulvodynia have no known causes. Vulvodynia isn't sexually transmitted or a sign of cancer.
Because it can be painful and frustrating and can keep you from wanting to have sex, vulvodynia can cause emotional problems. For example, fear of having sex can cause spasms in the muscles around your vagina (vaginismus). Other complications may include:
You're likely to start by seeing your family doctor or primary care provider. In some cases, you may be referred to a doctor who specializes in conditions affecting the female reproductive tract (gynecologist).
Here's some information to help you prepare for your appointment, and to know what to expect from your doctor.
Before your appointment:
For vulvodynia, some basic questions to ask your doctor include:
Don't hesitate to ask any other questions you have.
Your doctor is likely to ask you a number of questions, such as:
Before diagnosing vulvodynia, your doctor will ask you several questions to get a better idea of your medical history and to understand the location, nature and extent of your symptoms.
As part of his or her evaluation, your doctor may also perform these tests:
Vulvodynia treatments focus on relieving symptoms. No one treatment works for every woman, and you may find that a combination of treatments works best for you. It may take weeks or even months for treatment to improve your symptoms noticeably. Treatment options may include:
The following tips may help you manage the symptoms of vulvodynia:
You may find it helpful to talk to other women who have vulvodynia. Talking to others with the condition can provide information and help relieve feelings of isolation. If the thought of a support group makes you uncomfortable, your doctor may be able to recommend a counselor in your area — one with experience in helping women cope with vulvodynia.
Original article: http://www.mayoclinic.org/diseases-conditions/vulvodynia/basics/preparing-for-your-appointment/CON-20020326
Any use of this site constitutes your agreement to the Terms and Conditions and Privacy Policy linked below.
Mayo Clinic is a not-for-profit organization and proceeds from Web advertising help support our mission. Mayo Clinic does not endorse any of the third party products and services advertised.
A single copy of these materials may be reprinted for noncommercial personal use only. "Mayo," "Mayo Clinic," "MayoClinic.org," "Mayo Clinic Healthy Living," and the triple-shield Mayo Clinic logo are trademarks of Mayo Foundation for Medical Education and Research.


text:
'"I could sit and say Bettman is a jerk but he's done a decent job growing the game and with TV packages," said Ray, a colour analyst on Sabres' broadcasts on MSG. "You have to give him credit for that. But, when it comes to this stuff, it becomes all about him. In that way, he is making a bit of a fool of himself.'
Former NHL tough guy hopes cooler heads prevail
November 15, 2012 Submitted by
Via: Ottawa Sun


text:
Lenovo recommends Windows.
ThinkPad® Range
Ultimate business tools
Like the mind-blowing performance of the ThinkPad® X1, the Lenovo ThinkPad brand provides a complete range of notebooks and tools that cater for your unique business needs. All of our ThinkPad products are designed with unmatched durability, enhanced mobility, and innovative technologies that enable users to simply 'do' more.
Together with our industry-leading ThinkPad notebooks, Lenovo also provides the ThinkCentre®, ThinkStation® and ThinkVision® range - all of which enable your business to reach a higher level of achievement.
To learn more about our exciting Think-branded product range, including specifications and pricing, visit www.lenovo.com/id.


text:
I've been patient for several hours trying to deauth a station to get a handshake and have been unsuccessful. Maybe I'm not doing something correctly.
The AP is WPA TKIP PSK and I have airodump-ng in a shell running exclusive to that AP channel, AP MAC and it shows a station connected.
In another shell I run aireplay-ng -0 1 -a AP MAC -c STATION MAC <device>
Several times I have sequenced aireplay-ng -0 10 and once -0 100
I have tried aireplay -0 1 -a AP MAC <device> and see only 1 station.
PWR Level is at 34, so I think I am getting signal to it.
Any suggestions?
I am using BT3b


text:
This week, Morningstar's 25th Annual Investment Conference featured an excellent lineup of topics and discussions among analysts, mutual fund managers and retirement industry execs. It's an opportunity to hear the investment intelligentsia discuss where the opportunities lie in the current marketplace -- a chance to learn firsthand their outlooks on sectors, securities and portfolio strategies.
A couple of different themes rose above the cacophony of diverse opinions. Though "2008 happened five years ago, it feels like five minutes ago," says Steve Wymer of Fidelity Investments -- a sentiment expressed several times over the past three days. Bill Nygren of The Oakmark Funds agrees: "The important lesson (from 2008) is to stick with a discipline. Set an asset allocation that makes sense, and stick with it."
Morningstar analyst Scott Burns emphasizes the importance of staying invested. He enumerated two ways you can fail: 1) Don't save, and 2) Leave your money in cash.
"It's all about keeping in the game," he says. But scars run deep, evidenced by the thousands of investors who fled the market in 2008 and watched the market rebound as they stood on the sidelines.
Financial repression
Discussions about Fed policy dominated the "Exploring the macro landscape" session. Several fund managers candidly complained about the struggle to find bonds with yield. "Nothing stands out as a screaming buy," says Michael Mendelson of AQR Funds. "Low real return is a problem for all of us."
To deal with the tough total return environment, Mendelson allocates assets by risk such that "everything in the portfolio matters," but "nothing matters too much." James Montier of GMO funds says he's holding a lot of cash -- "dry powder" that he's waiting to deploy as opportunities arise. "Holding cash is painful," he admits. "But it's less painful than doing something stupid." He says his firm gets fired regularly for holding cash, but tells his clients, "You're paying me not to do something daft."
More complaints about low yields were voiced in the session on "Multiasset solutions to the yield conundrum." When Fed policy reverses course, the question is, "How abruptly will that spring unwind?" says Anne Lester of JP Morgan Asset Management. The magnitude of the loss in bonds won't be the same as the 2008 stock market rout if you do the math, she says. "People will feel betrayed by the safe part of their portfolio," but equities will balance things out. "A total asset allocation portfolio will be fine."
Fran Kinniry of Vanguard reminded the audience about the 1994 bear market in bonds. When all the dust settled, the bond market lost 4 percent to 5 percent that year.
3 train wrecks
Highlights of the conference included a general session with Vanguard founder John Bogle, who calls the impending retirement crisis "three train wrecks" waiting to happen.
Train wreck No. 1: Social Security is underfunded. That could be fixed with a change in the way the cost of living allowance is calculated, he says -- "simple things that end up being completely controversial.… It can be fixed, and all it requires is political will."
Train wreck No. 2: Defined-benefit plans -- both private and public -- are "grotesquely underfunded," he says. States use an unrealistic 8 percent return assumption in their calculations. "They're not going to get 8 percent," he says, even if they hire hedge fund managers, because while it may be possible for some managers to get that return, it's "impossible for all of them to do that."
Train wreck No. 3:This is the defined contribution system -- the 401(k), 403(b), 457 part of the universe. "The problem with that is we've taken a thrift plan and turned it into a retirement plan."
A thrift plan was originally designed to supplement other sources of retirement income, such as a pension and Social Security. Bogle's main beef with the defined contribution plan is that it's too easy for people to get money out -- to borrow for frivolous reasons or to cash out when they switch jobs. "It's a system that has too much flexibility," he says.
There's so much more to tell, but I'm supposed to keep this post short. I'll share one other conference highlight: Erik Wahl, author of "Unthink," challenged participants to nurture their right brains, the source of their creativity, and not to be afraid to do so. Fear, he says, is an acronym for "false evidence appearing real."
While he was mainly addressing the financial advisers attending the conference, that bit of wisdom applies to everyone doing retirement planning.
Follow me on Twitter: BWhelehan.
Barbara Whelehan is a co-author of "Future Millionaires' Guidebook," an e-book written by Bankrate editors and reporters. It is available at Amazon, Barnes & Noble, iBookstore and other e-book retailers.


text:
The Federal Highway Administration (FHWA) Office of Planning, Environment and Realty's (HEP) Surface Transportation Environment and Planning Cooperative Research Program (STEP) ended on September 30, 2012. For current HEP research information, please see HEP's research web site.
The FY2008 STEP budget totals $14,500,906. It is organized into 4 program areas with 17 emphasis areas. Summary tables for the FY2007 and the FY2006 STEP Plans are also provided.
Each STEP emphasis area has a contact person who reviews stakeholder feedback submitted through the STEP website and receives feedback via other sources to develop and implement research priorities and projects within the expected STEP funding levels. Because STEP projects are at various stages of implementation (including some multi-year efforts), the STEP emphasis area contacts are the best resource for information regarding the status of research efforts within a specific emphasis area.
Priorities and projects are also developed by considering information in the existing databases of transportation planning and environment research. They are also coordinated with other research across the Federal Highway Administration, the Future Strategic Highway Research Program, the National Cooperative Highway Research Program and with other US DOT agencies to ensure that STEP priorities and projects are not duplicative of other research initiatives.
The FY2008 STEP includes a focus on and funding in support of the US DOT's Congestion Reduction Initiative.
The STEP continues to evolve over time with stakeholder input and feedback. To help our stakeholders continue to work with us in the future, the general timeline for implementing STEP each year will be as follows:
STEP Implementation Timeline
|Begin to implement current fiscal year, through appropriate procurement methods, agreements and partnerships.
(May shift depending on appropriations)
|Refine STEP Implementation Strategy/Goals/Emphasis Areas; publish Federal Register Notice and update website information to solicit feedback on next fiscal year STEP activities. Conduct outreach for next fiscal year by emphasis area, review research needs and identify gaps.
|Develop priorities for and fund critical research. Develop next draft fiscal year STEP Plan for comment.
|Post current fiscal year plan on STEP website.
(May shift depending on appropriations)
Repeat above process to identify future FY STEP Plan priorities.