text:
FRS Pension Payout Options
- Dominic Bond
- 2 years ago
- Views:
1 FRS Pension Payout Options The income distribution option that a Pension Plan participant chooses is easily one of the most important financial decisions they will make in their life and, potentially, in the life of their beneficiary. Unfortunately, FRS Pension Plan participants frequently choose an income distribution option that is not the most suitable for their personal circumstances. As far too many participants now know, making the wrong choice can end in a financial catastrophe that is only fully recognized when it is too late to remedy. The income distribution option that is suitable for a participant and their beneficiary should only be determined after much contemplation and speaking with a financial advisor familiar with the participant s complete financial circumstances and the FRS Pension Plan. So while the information provided below cannot be taken as a specific recommendation, it should provide Pension Plan participants with a better understanding of their options and the importance of taking the time to make an informed decision. Option 1 Option 1 is perhaps the easiest to understand among the various options. Quite simply, it typically pays the highest continuous monthly benefit to the participant over the remainder of their life, with payments ceasing when the participant dies. Due to the fact that no benefits are paid to a beneficiary, this option is sometimes overlooked by participants married to spouses without a pension of their own, or a non-spouse beneficiary that they would like to provide for after death. While this is understandable, it does not necessarily need to be dismissed as unsuitable under such circumstances; as will be covered while examining the other available options. Option 2 Option 2 typically pays the second highest monthly benefit to participants, and, if the participant dies, is guaranteed to continue paying the same benefit to the participant s beneficiary for the first 120 months 10 years after the participant s retirement date. Option 2 is one of the most frequently misunderstood options available to participants, and the most likely to lead to unanticipated financial hardship in the future. Sadly, many participants choose this option after receiving poor advice, not fully understanding the option, or both. This option seems like a reasonable compromise. It is usually pays a benefit that is around $100 a month less than Option 1 for the average, full retirement participant. This leads participants to
2 rationalize that they are not sacrificing too much benefit for the comfort of knowing that, if something were to happen to them, they would not be leaving their beneficiary completely empty handed. What many participants that choose this option do not fully understand is that the ten years of coverage for their beneficiary does not begin on the day they die, but on the day they retire. Many Pension Plan participants wisely take advantage of DROP for five years. When a participant enters DROP they have established a retirement date, and their chosen income benefit is deposited into their DROP account until their official termination date. For those that choose Option 2, this means that their overall DROP benefit will be reduced compared to Option 1, and, when they exit DROP, their beneficiary will only be covered for five more years. In a perfect world, this would not be an issue. However, in today s reality, many couples depend on a participant s full DROP distribution, as well as their pension and Social Security to maintain their standard of living into retirement. So if a participant dies even a day after exiting DROP, if they stayed in DROP for five years, their beneficiary only receives the income they were previously depending on to remain retired for five more years. If the participant dies five years after completing five years of DROP, the participant s beneficiary receives nothing. Without proper planning this can force a retired beneficiary that depended on this income back into the workforce. It would be a stronger option if the benefit were paid to beneficiaries for ten years after the participant passed away within the first ten years of retirement. However, the real drawback to Option 2 is the fact that the potential benefit to a participant s beneficiary is reduced the longer the participant survives beyond their retirement date. If a participant fully understands Option 2 and is still attracted to its structure, a similar, yet stronger, benefit can sometimes be established with a little planning. Depending on the participant s insurability, a participant can choose Option 1 and purchase a ten year term life insurance policy with a death benefit totaling ten years worth of benefit payments for an amount that is less than the difference between their Option 1 and Option 2 payouts. This translates into a participant s beneficiary receiving ten years worth of benefits based on the participant s date of death, not retirement date if the participant dies within the first ten years after retirement. If the participant lives beyond ten years, the insurance premiums cease and the participant continues to receive the higher benefit associated with Option 1. However, if the participant dies after ten years, when the insurance has expired, the beneficiary receives nothing; similar to if the participant had chosen Option 2.
3 Establishing this type of plan carries the same risk as choosing Option 2, but with greater potential benefits than can actually be achieved through Option 2. It is critical for a participant to determine their insurability prior to making a decision. This avoids a situation in which a participant chooses Option 1 with the intention of providing benefits to beneficiaries through life insurance, only to discover that they are uninsurable after making an irreversible decision. Option 3 Option 3 provides a level benefit paid for the life of a participant and the life of the participant s spouse, or any person who is 25 years of age or older and incapable of self-support due to disability. If the participant s beneficiary is younger than age 25 at the participant s death, the beneficiary receives the participant s Option 1 payout until they reach age 25, at which point the benefits cease; unless the beneficiary is disabled, in which case the beneficiary receives the participant s Option 1 payout until they are no longer disabled. While the description of the option itself might seem a little confusing, making the decision whether or not to choose this option is usually not as complicated. With this option, the monthly benefit is calculated based upon the ages of both the participant and their beneficiary in a process that is similar to determining the benefit of a joint life annuity payout. The decision to utilize Option 3 can become more difficult, and more important, if atypical factors such as a young and/or disabled beneficiary are considerations. However, in most instances, the beneficiary is a spouse, and the level payments calculated can be easily compared and contrasted with the other distribution options offered within the context of a broader retirement plan. Option 3 is often a popular choice among married couples, as it provides an opportunity to prepare for the future with a relatively high degree of certainty. That is, regardless of if or when one spouse passes away, the monthly income payments will remain the same. Option 3 is frequently a good choice for uninsurable participants whose spouse depends on the steady income provided by the pension. However, many participants who choose Option 3 are insurable and could have created a stronger benefit, and provided for multiple beneficiaries, by choosing Option 1 and creating their own version of Option 3 outside of the system. Depending on the ages of both the participant and the beneficiary, the Option 3 monthly benefit is typically substantially less than that of Option 1. If the participant is insurable, an opportunity
4 is present for the participant to purchase life insurance coverage that will provide a greater benefit than Option 3 to the participant s beneficiary, or beneficiaries, at a cost that is less than the difference between the participant s Option 1 and Option 3 monthly benefits. In this situation, if the participant s beneficiary predeceases the participant, the participant can choose to stop paying the insurance premiums, thus increasing their net monthly income to reflect the full Option 1 monthly benefit; or choose to continue paying the premiums for the benefit of a new beneficiary. However, if the participant predeceases the beneficiary, the beneficiary receives a life insurance death benefit that, with proper planning, can meet or exceed the benefit that would have been received through Option 3. Furthermore, when the beneficiary passes away, it is possible to pass the remaining assets from the participant s death benefit to new beneficiaries children, for example which is not a possibility with Option 3. Executing such a plan is, of course, entirely dependent upon the insurability of the plan participant and insurance options available at the time. It is for this reason that it is of the utmost importance to determine a participant s insurability and understand the insurance options available prior to making a decision. Option 4 Participants choosing Option 4 are originally paid a higher benefit when both they and their beneficiary are alive. Upon the death of either the participant or their beneficiary, the benefit amount is reduced by one third of the original benefit and paid to the surviving beneficiary for the remainder of their life. The exception to this is with regard to a beneficiary under the age of 25. A beneficiary under the age of 25 receives the participant s Option 1 benefit amount until they reach age 25 and benefits cease, unless the beneficiary is disabled; in which case benefits continue to be paid until the beneficiary is no longer disabled. The two tier benefit of Option 4 is usually directly compared with the level benefit of Option 3 to determine which option provides the most suitable overall benefit within the context of the present benefit and the impact of the reduced benefit when either the participant or their beneficiary predeceases the other. Option 4 can be a little tricky on occasion. Like Option 3, the benefit amount provided by electing Option 4 is calculated based upon both the ages of the participant and their beneficiary. Occasionally, if the participant s beneficiary is substantially older than the participant, the original benefit amount paid through Option 4 can
5 actually be greater than the level benefit amount provided by choosing Option 1. Such an occurrence is an anomaly. It is nonetheless the reason that it was stated above that Option 1 and Option 2 typically provide the highest respective monthly incomes. Outside of this uncommon situation, and even within this situation, the variables are known and can be considered relatively easily within a broader Retirement plan. Much like both Option 2 and Option 3, depending upon a participant s insurability, a benefit greater than that typically produced by Option 4 can sometimes be generated by choosing Option 1 and utilizing insurance at a cost that is less than the difference between Option 1 and Option 4. The FRS Pension Plan instituted the options discussed above in an effort to offer the choice of providing the maximum benefit to a participant over the course of their own life, or providing an otherwise unobtainable level of financial security for the beneficiary of an uninsurable participant. However, it is unwise for participants to make the assumption that they are uninsurable, or to leap to the conclusion that they would be sacrificing less monthly income by choosing Options 2, 3, or 4 than the insurance premiums would cost to establish a similar benefit after choosing Option 1. In reality, it is frequently the case that a participant does not qualify for the insurance necessary to achieve a cost efficient alternative to options other than Option 1; in which case Options 2, 3, or 4 can be suitable choices. That being said, there is no reasonable excuse for a participant not taking the time to perform their due diligence with regard to one of the most important financial decisions of their life. Regardless of the option eventually chosen by participants, the importance of a participant and their family taking the time to make the most suitable choice for their specific circumstances cannot be stressed enough.
Maximizing your Pension with Life Insurance
American Brokerage Services, Inc. 805 E Willow Grove Ave. Suite 2-B Wyndmoor, PA 1-888-227-3131 500 email@example.com www.absgo.com Maximizing your Pension with Life Insurance Page 2 of 6 MaximizingMore information
Maximizing Your Pension with Life Insurance
Maximizing Your Pension with Life Insurance Introduction If you participate in a traditional pension plan (known as a defined benefit plan) with your employer, you may receive monthly benefits from theMore information
Retirement Perspectives. Life. Maximizing Your Pension Income
Retirement Perspectives Life Maximizing Your Pension Income The Pension Decision This decision will determine the amount of pension income you will receive for the balance of your life. In making thisMore information
Using Life Insurance for Pension Maximization
Using Life Insurance for Pension Maximization Help your clients capitalize on their pension plans Agent Guide For agent use only. Not to be used for consumer solicitation purposes. Help Your Clients ObtainMore information
Palladium. Immediate Annuity - NY. Income For Now... Income For Life! A Single Premium Immediate Fixed Annuity Product of
Palladium Immediate Annuity - NY Income For Now... Income For Life! A Single Premium Immediate Fixed Annuity Product of Income A Guaranteed Income for as Long as You Need It One of the major fears we faceMore information
Taking Control of Your Pension Income
Taking Control of Your Pension Income A Retirement Income Protection Review 2012 VSA, LP Valid only if used prior to January 1, 2013. The information, general principles and conclusions presented in thisMore information
Life. Pension Maximization: A Strategy Using Life Insurance. Retirement Perspectives. For agent use only. Not for public distribution.
Life Pension Maximization: A Strategy Using Life Insurance Retirement Perspectives For agent use only. Not for public distribution. Pension Maximization is a life insurance strategy that has been aroundMore information
Palladium Single Premium Immediate Annuity With
Palladium Single Premium Immediate Annuity With Cost Of Living Adjustment Income For Now... Guaranteed Income For Life! A Single Premium Immediate Annuity Issued By Income for Your Needs Now and in theMore information
What to Consider When Faced With the Pension Election Decision
PENSION ELECTION Key Information About Your Pension (Optional Forms of Benefits) Pension Math and Factors to Consider Pension Maximization What Happens if Your Company Files for Bankruptcy and Your CompanyMore information
Income for Life Annuity Program* Immediate Annuities for Retirement Income
Income for Life Annuity Program* Immediate Annuities for Retirement Income *ICMA-RC partners with select insurance companies that make annuities available through the Income for Life Annuity program. ParticipatingMore information
Public Retirement Planning Defined Contribution and Defined Benefit Plans
JOEL L. FRANK Retirement Analyst PO Box 148 Marlboro, New Jersey 07746-0148 732-536-9472 Email: firstname.lastname@example.com MEMORANDUM January, 2006 Public Retirement Planning Defined Contribution and DefinedMore information
CREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive
create tax advantaged retirement income you can t outlive 1 Table Of Contents Insurance Companies Don t Just Sell Insurance... 4 Life Insurance Investing... 5 Guarantees... 7 Tax Strategy How to Get Tax-FreeMore information
Taking Control of Your Pension Income: A Retirement Income Protection Review
Taking Control of Your Pension Income: A Retirement Income Protection Review Did you know that, at retirement, you might have to make a difficult decision that could negatively impact your future financialMore information
Charitable Gifts of IRA / IRD Assets The Good, the Bad and the Ugly. Susan C Dunlop Luther Seminar - Gary G Hargroves Thompson & Associates
1 IRD Definition: Charitable Gifts of IRA / IRD Assets The Good, the Bad and the Ugly Susan C Dunlop Luther Seminar - Gary G Hargroves Thompson & Associates Minnesota Planned Giving Conference NovemberMore information
Maximize Your Pension with Life Insurance
Maximize Your Pension with Life Insurance How Death Benefit Protection Can Help You Get the Most Out of Your Pension Benefits Client Brochure Achieve financial protection while maximizing your pensionMore information
Earning Cash Balance Pay Credits
You Have a Choice New Cash Balance Pension You Have a Choice The important thing to understand is this: If you were hired through December 31, 2012 you don t have to change to the new cash balance pensionMore information
Using Life Insurance for Pension Maximization
Using Life Insurance for Pension Maximization Help Your Clients Capitalize On Their Pension Plans Marketing Guide HELP YOUR CLIENTS OBTAIN FINANCIAL PROTECTION AND MAXIMIZE THEIR PENSION Pension maximizationMore information
Life Insurance and Annuity Buyer s Guide
Life Insurance and Annuity Buyer s Guide Published by the Kentucky Office of Insurance Introduction The Kentucky Office of Insurance is pleased to offer this Life Insurance and Annuity Buyer s Guide asMore information
ADVISOR USE ONLY PAYOUT ANNUITY. Overcoming objections. Life s brighter under the sun
ADVISOR USE ONLY PAYOUT ANNUITY Overcoming objections Life s brighter under the sun Overview Payout annuities are a powerful retirement tool and have been an important product for many years. They re sometimesMore information
Estate Planning: Preparing for End of Life MANAGING RETIREMENT DECISIONS SERIES
Estate Planning: Preparing for End of Life MANAGING RETIREMENT DECISIONS SERIES ESTATE PLANNING IS ANOTHER WORD FOR putting one s personal affairs in order. People do estate planning all along life s journey,More information
Life Insurance and Annuity Buyer s Guide Introduction
Life Insurance and Annuity Buyer s Guide Introduction The Kentucky Office of Insurance is pleased to offer this Life Insurance and Annuity Buyer s Guide as an aid to assist you in determining your insuranceMore information
TOPIC: What, Me Worry? Using Life Insurance to Simplify Legacy Planning and Minimize Conflicts for Blended Families.
TOPIC: What, Me Worry? Using Life Insurance to Simplify Legacy Planning and Minimize Conflicts for Blended Families. MARKET TREND: Families today often involve former and current spouses, children fromMore information
Learning about fixed annuities. M a k e f i n a n c i a l c h o i c e s Based on knowledge
Learning about fixed annuities M a k e f i n a n c i a l c h o i c e s Based on knowledge Not FDIC-insured May lose value Not a deposit No bank guarantee Not insured by any federal government agency 2More information
NOTICE OF QUALIFIED PRE-RETIREMENT SURVIVOR ANNUITY (QPSA) Participant Name: Employer: New Form Date Completed: Age: QPSA Waived Replacement Form Date Completed: Age: QPSA Waived FOR DEFINED BENEFIT PLANSMore information
Payouts. Protection. In One Place.
Payouts. Protection. In One Place. ING Single Premium Immediate Annuity issued by ING USA Annuity and Life Insurance Company Your future. Made easier. Payouts. Protection. In today s financial world, someMore information
11/2003. You should name Public. and one or. PSERS. You may. also name. benefits are paid
Publication 9520 11/2003 BENEFIT and BENEFICIARY When do I nominate a beneficiary? You should name a beneficiary when your employer enrolls you with the Public School Employees Retirement System (PSERS).More information
Metropolitan Life Insurance Company
Metropolitan Life Insurance Company FIXED INCOME ANNUITY QUESTIONS & ANSWERS Important Information about Fixed Income Annuities for FRS Investment Plan Participants This information will help you decideMore information
Payouts. Protection. In One Place.
Payouts. Protection. In One Place. ING Single Premium Immediate Annuity ANNUITIES Your future. Made easier. Payouts. Protection. In today s financial world, some products provide payout options. OthersMore information
IPO. Income Protection Option. Product Overview
IPO Income Protection Option Product Overview 2 Income Protection Option What Would Your Family Do Without Your Income? The only thing more important than your decision to purchase life insurance is howMore information
LPL Insurance associates. Is it Time to Convert Your Insurance Policy? Term vs. Permanent
LPL Insurance associates Is it Time to Convert Your Insurance Policy? Term vs. Permanent As your personal and financial situations evolve, it is important that you are prepared to meet your changing needsMore information
Retirement Income Investment Strategy by Andrew J. Krosnowski
Retirement Income Investment Strategy by Andrew J. Krosnowski Step 1- Income Needs-When formulating a successful strategy to generate income during retirement we feel that it is important to start by identifyingMore information
For advisor use only Advisor Guide
For advisor use only Advisor Guide RBC Payout Annuities 2 RBC Payout Annuities: Advisor guide What you and your clients need to know about payout annuities In an uncertain financial world where guaranteesMore information
Voya Single Premium Immediate Annuity
Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provideMore information
Life Insurance Gifts: Planning Considerations
Life Insurance Gifts: Planning Considerations Gifts of life insurance are an additional option for charitable giving. While life insurance is not the answer to every financial planning and estate planningMore information
Contents Introduction To Annuities Flexibility of Annuity Types of Annuity About Pensioncalculator.org
Annuities Guide Contents Introduction To Annuities What is an Annuity? Why Bother with an Annuity? Main Advantages of Annuities Pros and Cons Flexibility of Annuity Buying an annuity Tax & National InsuranceMore information
Stretch Your Net Worth Take Care of Your Family Take Care of Yourself. The Stretch IRA Concept. from American National Insurance Company
Stretch Your Net Worth Take Care of Your Family Take Care of Yourself The Stretch IRA Concept from American National Insurance Company Stretch Your Net Worth Take Care of Your Family Take Care of YourselfMore information
Do You Have the Right Life Insurance?
Do You Have the Right Life Insurance? Having adequate life insurance should be an important part of your financial planning. The type(s) you choose will depend on your needs and goals. Life insurance wasMore information
Voya Single Premium Immediate Annuity
Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provideMore information
SecureLiving Income Provider
Single Premium Immediate Annuity I SecureLiving Series SecureLiving Income Provider Do what you love. Issued by Genworth Life Insurance Company & Genworth Life and Annuity Insurance Company 130800 08/22/13More information
HOW MUCH WILL MY PENSION BE? The monthly pension you receive will depend on: How much of retirement benefit you decide to use for a pension benefit In the case of a life annuity the provision you makeMore information
Retirement. Income. your way
Retirement. Income. your way YOUR GUIDE TO SUNFLEX RETIREMENT INCOME Life s brighter under the sun Table of contents Introduction... 3 The five retirement risks... 4 Money for Life... 5 Product OverviewMore information
Retirement from the SAMRO RETIREMENT ANNUITY FUND
Retirement from the SAMRO RETIREMENT ANNUITY FUND The Samro Retirement Annuity Fund provides benefits for members who elect to retire from the Fund. The aim of this document is to provide members withMore information
PENSION DISTRIBUTIONS: WHAT S THE RIGHT OPTION FOR YOU? By Stephen Craffen If you are about to retire from a company with a traditional pension plan, you will be asked what form of payment you want toMore information
An Easy-to-Understand Introduction to the Retirement Plan and the Savings Plan. How the Plans Work. Contributions. Other Benefits
An Easy-to-Understand Introduction to the Retirement Plan and the Savings Plan Annuities How the Plans Work Contributions Eligibility Enrollment Other Benefits November 2015 WELCOME TO THE YMCA RETIREMENTMore information
Annuitization and the retirement income it provides. Retirement made easier: How annuity income can simplify your retirement.
Annuitization and the retirement income it provides Retirement made easier: How annuity income can simplify your retirement hij abc What annuities and life insurance have in common Annuities are a formMore information
Social Security Strategies. Understanding Spousal Survivor Benefits. Retirement SOLUTIONS 8/12 23128-12A
Social Security Strategies Understanding Spousal Survivor Benefits Retirement 8/12 23128-12A SOLUTIONS Making Social Security Work for You The Social Security eligibility rules are generally the same forMore information
QP/401(k) Separation From Service Distribution Request Form
#10486 (3/2004) QP/401(k) Separation From Service Distribution Request Form This form may be used if you have separated from service due to termination, disability or attainment of normal retirement ageMore information
FG Immediate-Income. Single Premium Immediate Annuity. ADV 1011 (01-2011) Fidelity & Guaranty Life Insurance Company Rev.
Single Premium Immediate Annuity ADV 1011 (01-2011) Fidelity & Guaranty Life Insurance Company Rev. 07-2014 12-715 Single Premium Immediate Annuity Americans are living longer than ever before. Source:More information
How to... Help your clients use their pensions freedom wisely
How to... Help your clients use their pensions freedom wisely How To Guide Introduction The new pension freedoms that came into effect in April 2015, may, at first, seem like a very attractive prospect.More information
Part VII Individual Retirement Accounts
Part VII are a retirement planning tool that virtually everyone should consider. The new IRA options also have made selecting an IRA a bit more complicated. IRA Basics The Traditional IRA is an IndividualMore information
A NO NONSENSE GUIDE TO LIFE INSURANCE HOW MUCH DO YOU NEED AND WHAT KIND? 1 I encourage you to speak with your insurance agent or an SBLI representative about how SBLI can help you secure the life insuranceMore information
Financial Considerations upon the Loss of a Loved One
Financial Considerations upon the Loss of a Loved One Unfortunately, making financial decisions is a reality in a time of grief. Although it is a stressful time and finances are the last thing on yourMore information
Teachers Retirement Association. Marriage Dissolution: Dividing TRA Benefits
Teachers Retirement Association Marriage Dissolution: Dividing TRA Benefits Marriage Dissolution: Dividing TRA Benefits Preface This booklet is designed to give all parties involved in a marriage dissolutionMore information
The Insured Annuity Strategy. What would you do in retirement if you knew your income was guaranteed for life?
The Insured Annuity Strategy What would you do in retirement if you knew your income was guaranteed for life? Enjoy the retirement you want to live. You re working hard to save for your retirement. YetMore information
Introduction. What is an Annuity? Various Types of Annuities
Introduction The Kentucky Department of Insurance is pleased to offer this Annuity Buyer s Guide as an aid to assist you in determining your insurance needs and the products that will fill those needs.More information
Guggenheim Life and Annuity Company. Provider Single Premium Immediate Annuity Product
Guggenheim Life and Annuity Company Provider Single Premium Immediate Annuity Product Reaching retirement is an achievement. But once you re there, will you have a regular, steady income that will lastMore information
Dependent Term Life Insurance Plan
Dependent Term Life Insurance Plan Lowe s provides the Lowe s Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through MetLife, to help with expenses related to the deathMore information
Taxation of Non-Registered Enriched (or Impaired) Annuities
Taxation of Non-Registered Enriched (or Impaired) Annuities In addition to having a bearing on longevity, an individual s medical history can result in that individual being rated, which can translateMore information
The Guardian Investor Variable Annuities SM
The Guardian Investor Variable Annuities SM Four Options to Choose From Guardian Target Now SM Guardian Target Future SM Guardian Target 200 SM Guardian Target 250 SM Designed to help you grow. guarantee.More information
Beneficiary Planning Investor Guide. Design a plan for you and your beneficiaries
Beneficiary Planning Investor Guide Design a plan for you and your beneficiaries Today is an important day. It is the day you will develop a comprehensive beneficiary plan that will let you relax, knowingMore information
Stretch IRA. What is a stretch IRA? Why stretch?
Stretch IRA Stretch IRA strategies are a popular approach to transferring wealth. Investors are using stretch IRAs to extend their required minimum distributions (RMDs) over an increased period of time,More information
10 Things You Need to Know About Buying Life Insurance
10 Things You Need to Know About Buying Life Insurance 10 Things You Need to Know About Buying Life Insurance 01 We never know what life has in store. Life insurance is a simple answer to a very difficultMore information
A Guide to YOUR PAYMENT OPTIONS Deseret Mutual Benefit Administrators FBB0140715 MASTER RETIREMENT PLAN PAYMENT OPTIONS Several payment options are available to you from your Master Retirement Plan benefit.More information
TITLE 303, NEBRASKA ADMINISTRATIVE CODE, CHAPTER 24 RETIREMENT SYSTEMS, PUBLIC EMPLOYEES PUBLIC EMPLOYEES RETIREMENT BOARD RULES AND REGULATIONS FOR BENEFIT OPTIONS AND DISTRIBUTION RULES Last Revision:More information
THE WALSHLAW REPORT Experts in Estate Planning, Elder Law, Taxation, Business Law Fall/Winter 2004 MARYLAND ESTATE TAX CHANGES On May 26, 2004, Governor Ehrlich signed the state s 2004 budget into law.More information
Annuity Ladder- Part II
Annuity Ladder- Part II One of the questions I often get asked is: Am I going to outlive my retirement portfolio? In light of the recent bear markets, this is a very relevant question. A life annuity providesMore information
Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity
Stretch Your Assets Create a Lasting Legacy by Stretching Your IRA or Non-Qualified Annuity First, Let s talk about you. Over the years, you worked hard to save for retirement You sacrificed. You madeMore information
KEY FACTORS WHEN CONSIDERING A ROTH IRA CONVERSION PERTINENT INFORMATION Mr. Kugler has accumulated $1,000,000 in a traditional IRA. Mrs. Kugler is the designated beneficiary (DB) and their daughter isMore information
Choosing a Retirement Program
Revised July 1, 2011 S TATE R ETIREMENT AND P ENSION S YSTEM Choosing a Retirement Program Maryland Optional Retirement Plan Highlights of the SRPS & ORP Retirement Programs ABOUT THIS BOOK About ThisMore information
APPLICATION FOR SURVIVORS BENEFITS ALL APPLICATIONS FOR SURVIVORS BENEFITS SHOULD BE SENT TO: UMWA Health and Retirement Funds 2121 K Street, NW Suite 350 Washington, DC 20037-1879 1-800-291-1425 Fax:More information
Retirement is one of those moments for which one spends a lifetime preparing.
Don t Let Divorce Derail Your Retirement Plans Understanding your options before, during, and after your marriage BY ARIN FIFE Retirement is one of those moments for which one spends a lifetime preparing.More information
Guaranteed Lifetime Income Annuity II 1
Just the facts about the New York Life... Guaranteed Lifetime Income Annuity II 1 Issuing company Product type Issue ages 2 Single premium payment Income payment modes New York Life Insurance and AnnuityMore information
What is Life Cover? Ensure the financial survival of your business, in the event of the death of a key employee or director.
What is Life Cover? Life cover pays out a lump sum of money if the individual insured dies within a certain time period i.e. during the term of the policy. It is a lump sum and it can be used for a numberMore information
Death Benefits For City of San Diego Members, Survivors & Beneficiaries
Death Benefits For City of San Diego Members, Survivors & Beneficiaries Beneficiaries of SDCERS Members are eligible for certain Death Benefits that are dependent on the status of the SDCERS Member atMore information
A PUBLICATION OF THE NEW JERSEY DIVISION OF PENSIONS AND BENEFITS. Pension Options
RM-0133-0813 Fact Sheet #5 Pension Options Public Employees System Teachers Pension and Annuity Fund ESTIMATING YOUR RETIREMENT ALLOWANCE If you are within two years of retirement, you may obtain an estimateMore information
Human Resources Retirement Program Changes. Covering You. Valuable. Dependable. Accessible.
Human Resources Retirement Program Changes Covering You. Valuable. Dependable. Accessible. new ahead. the Learn about choices Retiree Medical Benefits Continued Coverage and a New Option for 2009 The 3MMore information
UNO-VEN Retirement Plan. Summary Plan Description As in effect January 1, 2012
Summary Plan Description As in effect January 1, 2012 In the event of any conflict between this Summary Plan Description (SPD) and the actual text of the UNO-VEN Retirement Plan, the more detailed provisionsMore information
Frequently Asked Questions Individual Life Insurance
Illinois Insurance Facts Illinois Department of Insurance Frequently Asked Questions Individual Life Insurance Updated January 2010 Note: This information was developed to provide consumers with generalMore information
What You Need to Know About Roth IRA Conversions in 2010
What You Need to Know About Roth IRA Conversions in 2010 Your Guide to THE 2010 IRA Tax Law Changes From the editors at SmartMoney Custom Solutions Dear Reader, The year 2010 offers you an unprecedentedMore information
The Consumer s Guide to LIFE and HEALTH INSURANCE - 1 -
- 1 - The Consumer s Guide to Life and Health Insurance If you re young and in good health, you probably have never thought much about life insurance. But have you ever considered what financial obligationsMore information
NEW YORK STATE TEACHERS RETIREMENT SYSTEM GENERAL INCOME TAX INFORMATION TABLE OF CONTENTS Taxes on Loans from the Annuity Savings Fund 1 (Tier 1 and 2 Members Only) Taxes on the Withdrawal of the AnnuityMore information
About Guardian SecureFuture Income Annuity SM
Today, income during retirement takes on a whole new meaning because it will largely come from the savings you were able to build during your working years. A lot could possibly happen between now andMore information
IDEAS December 2013. Life Insurance and Roth IRAs: The Dynamic Duo
IDEAS December 2013 Life Insurance and Roth IRAs: The Dynamic Duo Summary Clients who face income from minimum distributions on qualified plans and IRAs but do not need that income can benefit from a conversionMore information
IRS Issues Proposed Regulations and New Guidance Regarding Lifetime Income Payments Under Retirement Plans
IRS Issues Proposed Regulations and New Guidance Regarding Lifetime Income Payments Under Retirement Plans The Treasury and IRS released proposed regulations and guidance that would make it easier forMore information
Learning Objectives 26. What Is Insurance? 3. Coverage Concepts 8. Types of Insurance 10. Types of Insurers 11. Introduction 26
Contents u n i t 1 Introduction to Insurance 1 Introduction 2 Learning Objectives 2 What Is Insurance? 3 Risk 4 Coverage Concepts 8 Types of Insurance 10 Types of Insurers 11 Domicile and AuthorizationMore information
THE KUGLER SYSTEM ESTATE CONCEPTS TECHNIQUE BOOK TABLE OF CONTENTS Review of Important Terms and Concepts Chapter I: The Proposed Estate Strategy Simple Will Arrangement (assuming Mr. Kugler PredeceasesMore information
Private annuity/trust
Deferring Capital Gains Taxes With A Private annuity/trust TM The National Association of Financial and Estate Planning NAFEP, 1999 and 2001 Revision 2 DEFERRAL OF CAPITAL GAINS AND DEPRECIATION RECAPTUREMore information
Annuity Answer Booklet
Annuity Answer Booklet Explanations of Annuity Concepts and Language Standard Insurance Company Annuity Answer Booklet Explanations of Annuity Concepts and Language Annuity Definition... 3 Interest Rates...More information
Protect what matters most
Protect what matters most Your guide to understanding your options for lifetime coverage and its benefits Products and financial services provided by American United Life Insurance Company a OneAmericaMore information
variable annuity Protected Lifetime Income Options Your choice. Your retirement. PAC.3286 (09.11)
variable annuity Protected Lifetime Income Options Your choice. Your retirement. PAC.3286 (09.11) xperience unique retirement Security in uncertain times with protected lifetime income benefits. valuableMore information
CHAPTER 45 PUBLIC-SECTOR LIFE INSURANCE AND RELATED PROTECTION Introduction Most public jurisdictions make group life insurance coverage available to their employees, and many pay all or a portion of theMore information
If you hope to plan ahead for a funeral. Funeral Plan
If you hope to plan ahead for a funeral Funeral Plan Death is part of life. It may not be a thought that crosses your mind often, but what do you hope for when you have to consider your funeral? SurelyMore information
Beneficiary Payment Options for Traditional IRAs (Death Before Required Beginning Date)
Beneficiary Payment Options Beneficiary Payment Options for Traditional IRAs (Death Before Required Beginning Date) Frequently Asked Questions Payment Options Payment Flexibility Withholding ElectionsMore information
Minimum Distributions & Beneficiary Designations: Planning Opportunities
28 $ $ $ RETIREMENT PLANS The rules regarding distributions and designated beneficiaries are complex, but there are strategies that will help minimize income and estate taxes. Minimum Distributions & BeneficiaryMore information
LIFE INSURANCE OVERVIEW Most people think of life insurance in terms of death benefit protection. However, today s policies also provide the vehicles for meeting other goals, such as saving for retirementMore information
The Truth About INSURANCE
INSURANCE The Truth About Annuities are one of the least known, least understood and most underutilized financial instruments. Yet as Paul Goldstein explains, in certain circumstances annuities shouldMore information
afe Money Concepts James Schultz From Badger Insurance
afe Money Concepts James Schultz From Badger Insurance 220 Grant Street, Fort Atkinson, WI 53538 Phone: (920) 563-2478 Email: email@example.com INTRODUCTION It s hard to say where and when mostMore information
Annuity Election. Instructions. Section A. Employer Information. Section B. Participant Information. Section C. Distribution Information
Annuity Election Instructions To elect an annuity, complete all applicable sections of this form, obtain any required signatures, and return the form to Diversified at the above address. The followingMore information
Life Insurance and Divorce
Table of Contents Court Ordered Life Insurance 3 Child Support Life Insurance 5 Divorce and Life Insurance 7 Your Rights and Entitlements 9 Important Issues 11 Page 2 Court Ordered Life Insurance CourtMore information


text:
Ballad Of The Birds
Ballad Of The Birds
Ballad Of The Birds
i think this is one of my favorites.
this is amazing. i love it.
I'm having this...
damn where are all the small sizes... !! reprint please.. :(
Too freaking cool! Reprint please!!! :D
reprint!! please..? :D
reprint please!
please reprint
Please reprint !
I found the perfect place for my needs. Contains wonderful and useful messages.Philadelphia slip and fall lawyer
Very nice photos. Truly speaking, I did not read your post because I was happy with seeing those photos. They are really beautiful. If you want to save money, you can move your possessions in a rented local moving truck or van.
Many ballads were written and sold as single sheet broadsides. The form was often used by poets and composers from the 18th century onwards to produce lyrical ballads. In the later 19th century it took on the meaning of a slow form of popular love song and the term is now often used as synonymous with any love song, particularly the pop or rock power ballad. Tie Square
Please reprint - girly tee!!!! Want one.. :)

subset: commoncrawl


text:
oakley perscription glasses means you don't get the dazzle from the sun at the side. I would suggest you get a large hard case for them - they don't fold down very far and are fiddly to get out of a pouch. great glasses good fit. I have big head and these are ok. good in maritime industry with glare.. at sea These are fabulous sunglasses, they are that good that i have 3 pairs of them now. hard to believe quality shades can be bought at such a low price, Los Angeles best board games ralph lauren swim shorts glare. They appear to be well built and very stylish. All in all, a great product and I thoroughly recommend them. Poor quality plastic and hinges mean you have to treat very gently as feel will break even when opening. Cheap in cost also because 'product may contain a chemical know to the State of California to CAUSE CANCER, OR BIRTH DEFECT OR OTHER REPRODUCTIVE HARM' (according toSan Francisco oakley customer service kite surfing gear .
will be purchasing more because I really like the fact they they are so easy to clean with and you always end up with a perfectly clean lens, without much effort!
This cloth works like a dream - so much better than the standard cloths you get from the optician. The only problem is once you ralph lauren watches h the lenses are light grey when in fact they are a mirrored effect lens and are quite dark which are probably illegal for driving.
pretty good for ĪĻ1.99, only had them a couple of weeks, so we'll have to see how long they actually last, but so far so good
Not yellow lenses as described, which is why I bought them, but has reflective lenses Bronze colour lenses.
Good purchas ray ban g15 ind well. For the price these are well worth it!
These glasses seem good value for money. They are really quite comfortable, and I have never liked wearing glasses. Performance will probably vary depending on the shape of your face and therefore how well they seal.
It hasn't been very cold here this winter so the worst weather I have used them in was about two degrees c and a strong gusty wind. I felt a little bit of turbulence and my eyes wa.


text:
Published on
Join us on the 17th - 18th Oct.
Sponsored this year by What Hi-Fi? Sound and Vision magazine, the 2009 Manchester show is destined to be one of the best ever UK home entertainment events. You'll get one-to-one with as many as ninety-six brands and the chance to experience the 2009 What Hi Fi? Sound and Vision Award winners in action - almost a week before the awards issue hits the shelves! And if you find that must-have product, check out the show discounts or possibly win it by entering one of the many exclusive show competitions.
We'll be teaming up with our friends at Onkyo to demonstrate the awesome fidelity and dynamics of the stunning new RX series speakers in a 7.2 channel surround sound configuration powered by Onkyo electronics. We're showing the amazingly compact, acclaimed and classy Radius HD series speakers as well.
Make the day memorable for all of us: see you at ROOM 114 for some great entertainment Monitor Audio style!
Commentscomments powered by Disqus
What's happening?
Another impressive new Monitor Audio shop in Guangzhou, China. pic.twitter.com/pKq0xlsaPN


text:
Sugar Snap Peas and Oyster Mushrooms in Sherried Cream
"There's something about the sherry and the cream and the sautéed mushrooms that has the power to draw other ingredients in," says chef Ashley Christensen about this supereasy, two-step dish.
- Total Time:
- Servings: 4
- 1/4 cup canola oil
- 1/2 pound oyster mushrooms, cut into 1-inch pieces
- Salt
- 1 shallot, minced
- 1 pound sugar snap peas, strings discarded, halved lengthwise on the bias
- 1/2 cup dry sherry
- 1/2 cup heavy cream
- 1 tablespoon fresh lemon juice
- Finely grated lemon zest, for garnish
How to make this recipe
In a very large skillet, heat 2 tablespoons of the oil until shimmering. Add the mushrooms and a generous pinch of salt. Cook over moderately high heat, stirring occasionally, until the mushrooms are browned and crisp, about 7 minutes. Add the shallot and the remaining 2 tablespoons of oil and cook until the shallot is softened, about 2 minutes. Add the snap peas to the skillet and cook, stirring, for 1 minute.
Add the sherry to the skillet and simmer until reduced by half, about 3 minutes. Add the cream and simmer until the mushrooms and snap peas are coated in a light sauce, about 3 minutes. Stir in the lemon juice and season with salt. Transfer to a platter, garnish with finely grated lemon zest and serve.
Suggested Pairing
Pair this vegetable dish with a crisp, citrusy white.


text:
Today, my mom called me from jail. She was arrested for having sex in public. I was with my dad when I got the call. FML
Profile completedYou've filled out the necessary details. Having done so will be much appreciated.
Keen reader – Level: master ninjaYou have voted for 50% of the entire collection of FMLs to date.
Keen reader – Level: student ninjaYou have voted for 15% of the entire collection of FMLs to date.
Checking you outYou checked out the profile page belonging to one of the last people to have a look at your profile.
MobilityYou are connected to FML via the mobile site or an app. How modern.
SocialiteYou used FML's private messaging service for the first time. Will they reply? Wait and see…
Up and coming moderatorIt's nice of you to help us sort out the submissions, using FML's moderate feature.
Who's the fairest of them all?This is now the third time you've changed your profile pic.
I agree, my mouse works.200 "I agree" votes is a good start.
JudgmentalYou have voted "You deserved it" over 100 times.
It's in the can!Hey, you uploaded your photo, and you're cute as a kitten!
Keen reader – Level: godlike ninjaYou have voted for 100% of the entire collection of FMLs to date.2%
100 kick-ass comments100 of your comments are neither buried or moderated. Popular is your middle name!5%
The return of the thumbYou have thumbed 5000 comments.0%
The thumb strikes backYou have left your thumbprint on 2500 comments.0%
A new thumbYou've used your thumb on 1000 comments.1%
50 favoritesLove knows no boundaries. You've already added 50 FMLs to your favourites list!22%
YDI MasterYou made your 500th "You deserved it" vote.82%
One more and it's business timeYou've received 68 Hugs on your profile. Kinky.0%
Today, to help with my insomnia, I downloaded some relaxing rain MP3s and set them to loop. For the first time in ages, I fell asleep within minutes. Somewhere around 5, however, the sound of trickling water caused my bladder to empty itself all over my bed. FML
Today, while I was hanging out with a cute girl, I slapped her ass playfully. She told me that she was going to get me back. She slapped my ass later that night unexpectedly while I was holding in a huge fart... It came out. FML
Today, while working out in the gym, I spotted a very attractive girl. I decided to pick up the heaviest dumbbell to show off how much I could curl. She ended up driving me to the hospital because I burst into tears after tearing up my bicep and deltoid. FML
Today, I was lifeguarding a pool party for a bunch of eight year olds. One of them decided it'd be funny to have a contest to see who could make the most bubbles with their farts. It led to three kids shitting themselves in the pool, and me having the dubious honor of cleaning it up. FML


text:
Tourist Directory > Hotels
Hotel 81 - Geylang
Address:No 20 Lorong 16 Geylang, Singapore 398863
Contact:(+65) 6841 8181
Description: For clean, modest rooms at a great price, head down to Hotel 81 Geylang. Check out Geylang's variety of food as well as admire the pre-war iconic architecture of the shop houses.
You must be logged in to add a tip


text:
Verify the internet address you typed : sonic-pokemon.forumotion.com,
and try again if there is a mistake.
It is possible that the administrator has chosen to delete it.
Largest Sonic fan site/fan forum on Forumotion. Created and founded by Sega of America members. The
Aurahallows is a growing community with pokemon forums for those who enjoy battling and trading, whether they are new to pokemon or have played the game for years.
(2015: Currently undergoing a revival! Come and join! ) The home of the in-development, fan made MMORPG: Sonic MMO. Based on the Sonic the Hedgehog video game series. (Sonic © SEGA).
Pokémon Go Community is the community website for the newest reality game Pokémon Go. We connect you with other players. Find tips, ask questions, find locations.
A fun and friendly Pokemon forum Indigo Plateau: best place for pokemon discussion! Discuss the games, share fanfics, start multiplayer RPGs or Pokemon battles, Watch the anime, listen to music or chat with o
Free forum : A forum that welcomes any roleplayer. Young or old, new or expirenced, a Sonic or your own. All is welcome to join in the fun.
The ultimate fan website and resource for Sonic Fans!
Sonic 2 HD Forum
The E. P. T. C. pokemon forum is your destination for a dedicated community made of members just like you!
Hội những người đam mê Pokémon Go tại Việt Nam, thông tin cập nhật, hướng dẫn cách chơi game an toàn, nâng cao sức khỏe.
Sonic Multiverse is a fan-forum made for the sole purpose of reuniting fans of the series be it the games, comics, and or cartoons it is a free non-paying website.
A forum for all Sonic fans
Free forum : A forum mainly dedicated to Sonic, but with places to hold Roleplays of only Sonic or crossed-over with different series. All discussions must stay T-rsted except where it is said. Rules
Sonic RPG
Welcome to PokéForumunity! We are Pokémon fans across the Globe where you can discuss anything about Pokémon freely. Create an account if you haven't already!


text:
The Richard Chai Love collection for Spring/Summer 2014 once again showcased the label's ability to embrace formidable amounts of elegance while keeping a well-sanctioned level of masculinity. Many will notice the collaborative work in this collection's outerwear, in which Chai took the seat of creative design consultant in working on the range of leather jackets from New York luxury label, Andrew Marc. Inspired by various shapes and lines, the designer looked for specific placement and associations to form a soft and fluid unification. Full with sportswear sensibilities, the collection captures the energy of New York City and yet, at the same time, due to the soft hues and simple color palette, a less jarring city was portrayed — perfect in reflecting parts of NY during the summertime.
- Fashion
- Footwear
- Music
- Arts
- Design
- Editorials
- All Sections
HYPEBEAST 100: The innovators from all realms of creativity in the spotlight.
With in-depth interviews, focused features and fashion-forward editorials, our print publication features long-form coverage of the topics valued by readers.
Explore and be inspired by the latest women's fashion news and trends.
- Videos
- Radio
- Store


text:
Atelier des Comperes Map
56, rue Galilée
01 47 20 75 56 | Make Restaurant Reservations
Métro: George V/Charles de Gaulle - Étoile
Now that you know where you want to enjoy a meal, it's time to find the restaurant. Print out this Atelier des Comperes map and take the driving directions with you so you can locate the restaurant easily.
Find out which restaurants and chefs top the list of GAYOT's 2016 Annual Restaurant Awards.


text:
About Me
CurrentSaginaw Valley State University
Graduating Class2013
Follow Rekia's Progress
Saginaw Valley State University is a comprehensive university with more than 90 programs of study for its more than 9,000 students. Located on a suburban campus in Michigan's Great Lakes Bay Region, SVSU is committed to a supportive and empowering envi...
CollegeSaginaw Valley State University
LocationUniversity Center, MI
- Verified by Saginaw Valley State University
Rekia Smiley, of Saginaw, completes SVSU degreeRekia Smiley, of Saginaw, was among 922 graduates who earned degrees from Saginaw Valley State University during May 2014 graduation ceremonies.Winter 2013-2014
Rekia Smiley of Detroit Among First SVSU Students to Visit New Sister School in GhanaRekia Smiley, a public administration major at Saginaw Valley State University, will join eight classmates on a faculty-led trip to Pentecost University College in Ghana, a West African nation whos...Winter 2012-2013
Activities & Affiliations
Rekia Smiley, Saginaw native, among SVSU students volunteering over spring breakThis spring, 48 Saginaw Valley State University students will spend their spring break volunteering for organizations helping others. Rekia Smiley, a public administration major from Saginaw, will...Spring 2014
Work Experience
Rekia has not added any work experience yet.


text:
This completely renovated ski-in/ski-out, luxury full-service hotel offers valet, bell and concierge services. Wireless Internet access is complimentary throughout. Ski storage is available and a business centre and 1950 m˛ of meeting and event space are also available. The spa complex offers 262 rooms in total and welcomes guests in a lobby with 24-hour reception and check-out services. Further facilities include a hairdressing salon, bar, restaurant, and room and laundry services.
This resort, with ski-in/ski-out access to Crested Butte Mountain and its more than 120 trails, is just 4.8 km away from the town of Crested Butte. It is tucked away in the heart of Colorado, free from motorway traffic and crowded urban ski environments. The valley has retained its pristine, untouched landscape by embracing its working ranch heritage and the community's commitment to the environment. Butte 66 restaurant is just a 1-minute walk, bars are to be found 8 minutes away on foot and it is a 10-minute walk to Crested Butte Mountain. Aspen is approximately a 70-minute drive from the family-friendly ski hotel, while the Aspen Highlands, Buttermilk Mountain Ski Area and Aspen Mountain are all around 2 hours away.
Each room features an en suite bathroom with shower and bathtub, a double or king-size bed, a kitchenette with mini fridge, microwave and tea and coffee making facilities, and a balcony or terrace. Other in-room amenities include a direct dial telephone, satellite TV, a radio, Internet access, a safe and an ironing set.
Guests may take a dip in the indoor swimming pool, work out in the gym, relax in the hot tub or sauna, or choose from a selection of spa and massage treatments (fees apply for both).
There is an on-site, ski-in/ski-out restaurant and bar offering breakfast and set menu lunch and dinner as well as after-ski snacks and drinks. The restaurant has a slope-side deck with its own fire pit.
Credit cards accepted include American Express, MasterCard and VISA.
Directions from Gunnison, CO (GUC-Gunnison-Crested Butte Regional): head east on Airport Rd/Co Road 39A towards Co Road 39. Continue to follow Airport Road. Take the 2nd left onto Rio Grande Avenue. Turn right at US-50 E. Turn left at CO-135 N/N Main Street. Continue to follow CO-135 N. Turn right at 6th Street. Continue onto Co Rd 317/Gothic Road. The hotel will be on the right.
Check-in is 4 pm and check-out is 11 am. Pets are permitted (surcharge). Extra person charges may apply. Photo identification and credit card or cash deposit are required at check-in for incidental charges. Special requests are subject to availability upon check-in and may incur additional charges.
Room Facilities:
Direct dial telephone
Satellite cable TV
Internet access
Mini fridge
Tea Coffee
Iron and board
Double bed
King size bed


text:
Business services
Workforce solutions for your
people are the heart of your business. And that means workforce challenges are
a reality you must face. With more than 70 years of dynamic innovation behind our
industry-leading expertise, Kelly Services will respond quickly to your
specific human resource or business needs with strategic workforce solutions.
We provide our partner companies with effective, tailored support. Our goal is the same as yours: we want your business to grow. By maintaining a close working relationship with our partner companies, we are able to develop an effective, long-term approach while remaining poised to respond to urgent needs.Why work with us?
We offer a broad range of corporate services and solutions focused on your needs
Your browser does not support iframes.
Privacy Statement | Site Map | Code of Conduct | Corporate Social ResponsibilityCopyright


text:
LAFAYETTE — Missouri-based technology consulting firm Perficient will open a new software development center in Lafayette, creating 245 jobs averaging $60,000 a year, the company announced Thursday.
Perficient is the third major technology company this year to announce plans to open a location in Lafayette.
CGI, a Canadian firm, is planning a technology center at the University of Louisiana at Lafayette's Research Park that will employ 400 high-tech workers, and California-based Enquero Inc. is opening a center here that will employ 350.
The three companies combined will create nearly 1,000 high-tech jobs when in full operation.
"It's our turn," Lafayette City-Parish President Joey Durel said of the developing technology sector. "The South has been booming for years, and we have not been participating in that."
Perficient employs more than 2,200 people in offices throughout North America and overseas in India, China and Eastern Europe.
"This is a serious company. This is a global company," said Gov. Bobby Jindal, who joined officials with Perficient to unveil the company's plans.
Perficient expects to start hiring here by year's end.
The company has set a goal of growing to 50 employees by the end of 2015 and 245 employees within six years. The payroll is estimated to grow to more than $16 million a year, according to figures from Jindal's office.
Perficient is now searching for a permanent location but will set up shop temporarily in the Gordon Square building downtown, Lafayette Economic Development Authority spokeswoman Stacey Strodtman Zawacki said.
Perficient President and CEO Jeff Davis said the company scouted areas across the country for its new software center but settled on Louisiana for the state's economic development incentives and on Lafayette in particular because of the existing tech workforce and strong technology programs at the University of Louisiana at Lafayette.
"We did look at several other states," Davis said. "The decision was easy for us."
UL-Lafayette's computer science programs have long had a good reputation, and the university plans to begin working with Perficient to ensure that its curriculum meshes with the company's needs, UL-Lafayette Provost and Vice President for Academic Affairs James Henderson said.


text:
I'm that romantic I shall be really interested, instead of grizzling all the time till we get back.
Pity to disturb him for the sake of them grizzling conductors.
The light streaming through the shutters Hannah had just opened streamed in on his grizzling head and face working with emotion.
But there was no time for grizzling then, for the game had to go on.
Then you may turn out on to the roads where you were took from—a grizzling little roadsters varmint.
Who would think of looking back and grizzling over a little disappointment twelve years old!
He did as soon as Alice said that about whining and grizzling being below the dignity of a Manciple.
The nearly black or the darkest birds are quite likely to show some white or grizzling on the head.
A friend of mine, who is a most cultivated sparrow, tells me you were grizzling for money this afternoon.
Brahms, for all his grumbling and grizzling, had never guessed what it felt like to be suspected of stealing an umbrella.
"gray-colored," early 15c., from Old French grisel (see grizzled) which also meant "gray-haired old man" (a noun sense recorded in Middle English from mid-14c.). The verb, "to make gray," is attested from 1740.


text:
PGA Tour 59m ago
Amateur Alfie Plant shows no fear at British Open
SOUTHPORT, England – Alfie Plant is an adrenaline junkie. He's bungee-jumped off the tallest bridge in South Africa. He's gone (…)
PGA Tour 1hr ago
Aided by gum and Trackman, Jordan Spieth fires 65 at British Open
SOUTHPORT, England – Perhaps it was the gum. Or maybe this is just as Jordan Spieth suggested earlier in the week: he now knows "how (…)
Professional 1hr ago
Steve Stricker finds nothing easy in Round 1 at Birkdale
SOUTHPORT, England – Steve Stricker's first career round at Royal Birkdale featured a little bit of everything that makes the British (…)
PGA Tour 1hr ago
Justin Thomas subdues tie talk with strong opening round at Royal Birkdale
SOUTHPORT, England – People began the day at the British Open talking about what Justin Thomas was wearing. They'll end it (…)
Uncategorized 2hr ago
VIDEO: Charley Hoffman starts British Open with hole-out eagle from rough
Well you can't start a major championship much better than that. Charley Hoffman went wide right with his tee shot at Royal (…)
PGA Tour 2hr ago
Excitement builds for Ian Poulter with opening 67 at British Open
SOUTHPORT, England – Ian Poulter's 13-year-old son Luke found it hard to contain his excitement in the opening round of the 146th Open (…)
PGA Tour 3hr ago
Jordan Spieth (65) an early British Open co-leader
Jordan Spieth proved Thursday why he's a co-favorite at the British Open. Spieth hit just five fairways in the opening round at (…)
PGA Tour 3hr ago
Battled-tested Stuart Manley stellar in debut British Open round
SOUTHPORT, England – Stuart Manley fought off coughs and a runny nose as he fielded question after question from the gathered media (…)
PGA Tour 6hr ago
WATCH: Mark O'Meara hits opening tee ball of British Open out of bounds
And we're off…#TheOpen pic.twitter.com/VymiAUXEYH — The Open (@TheOpen) July 20, 2017 SOUTHPORT, England – The first (…)
PGA Tour 11hr ago
British Open live blog: Matt Kuchar looking to close in on solo lead
The world's oldest major golf championship gets underway Thursday at Royal Birkdale. Who will hoist the Claret Jug as winner of (…)


text:
What's on DVD Tuesday, October 26, 2010?!
The Girl Who Played With Fire
Get it from Amazon:
The Girl Who Played with Fire [Blu-ray]
Lisbeth Salander is a wanted woman. A researcher and a Millennium journalist about to expose the truth about the sex trade in Sweden are brutally murdered and Salander's prints are on the weapon. Her history of unpredictable and violent behavior makes her an official danger to society. Mikael Bloomkvist, Salander's friend and Millennium's publisher, is alone in his belief of Salander's innocence. Digging deeper, Bloomkvist unearths evidence of implicating highly placed members of Swedish Society-as well as shocking details about Salander's past. (Amazon)
Sex and the City 2
Get it from Amazon:
Sex and the City 2 (Blu-ray/DVD Combo + Digital Copy)
The fun, the fashion, the friendship: Sex and the City 2 brings it all back and more as Carrie (Sarah Jessica Parker), Samantha (Kim Cattrall), Charlotte (Kristin Davis) and Miranda (Cynthia Nixon) come together to take another bite out of The Big Apple – and beyond – in a hilarious sequel. What happens after you say "I do?" Life is everything the ladies ever wished it would be, but it wouldn't be Sex in the City if life didn't hold a few more surprises. After all, sometimes you just have to get away with the girls. (Amazon)


text:
Johnny Depp 'buys Vanessa Paradis $4.4million Hollywood home'
They announced the end of their 14-year relationship back in June.
But it seems Johnny Depp and Vanessa Paradis have separated quite amicably.
The actor has reportedly bought his former partner a $4.4million home in Los Angeles, where the pair's two children attend school.
Sprawling: Johnny Depp has reportedly purchased this home off of Hollywood's Mulholland Drive for former partner Vanessa Paradis
Happier times: Johnny Depp and Vanessa Paradis, pictured at the 2005 Academy Awards, share two children and were together for 14 years
According to the New York Daily News,
the Pirates of the Caribbean star purchased a five bedroom
Mediterranean-style home off Hollywood's Mulholland Drive for Paradis
and their children Lily-Rose, 13, and nine-year-old Jack.
The Hollywood Hills home features beamed ceilings and an outdoor swimming pool.
Real-estate agent Christopher Westley, who was not involved in the reported sale, said the property was in an ideal location for a family in showbusiness.
He told News: 'You can be on the Strip or at the studios in 10 minutes. The views of the city are beautiful but it's not in your face.'
You may enter: The Mediterranean-style home is believed to be for Paradis and the former couple's two children, Lily-Rose, 13, and nine-year-old Jack
Foyer: The home features wood beam ceilings and several winding staircases
A space to lounge: One of the living rooms shows a pair off plush couches
Heart of the home: Another sitting room is near the kitchen
Room for a family dinner: The kitchen features country-inspired decor with blue and white tile trim
Jack Nicholson and Pamela Anderson
famously own properties on Mullholland Drive - a street immortalised in David Lynch's 2001 thriller by the same name.
Depp, 49, and Vanessa, ten years his
junior, got together in 1998 when they met in the Costes Hotel in Paris
while he was filming the Roman Polanski film The Ninth Gate.
He previously had a high-profile
engagement to Winona Ryder and a long-term relationship with Kate Moss
and she had just come out of a relationship with French-Slovenian actor
Stanislas Merhar, having been reportedly engaged to singer Lenny Kravitz
before that.
A year after they got together, Depp and Paradis' first child, daughter Lily-Rose, was born, followed by their son Jack in 2002.
A little more formal: The dining room features luxurious elements, including a low-hanging chandelier
Gilded: Decor trimmed in gold lines the dining area
Study time: An office is tucked away in a corner of the home, overlooking a trail
Down to business: The current decor boasts a stately feel
The couple never married but Johnny
has stated that having children cemented roots for him and added that
they gave him 'real foundation, a real strong place to stand in life, in
work, in everything'.
He added: 'You can't plan the kind of
deep love that results in children. Fatherhood was not a conscious
decision. It was part of the wonderful ride I was on. It was destiny;
kismet. All the math finally worked.'
Rumours began to surface about a split
between the pair earlier this year, however; Paradis had not
been seen at a public event together since 2010, and the French singer
was not seen attending any of the promotional events for Depp's recent
films Dark Shadows or The Rum Diary.
All her own? One of five bedrooms in the house features a fireplace
Room with a view: The master bedroom also features a love seat and oversized chair for lounging
Vanity: Making the way to the bathroom, another area serves multiple functions as a dressing area and small office
Dated: Blue and white tiles also decorate a large bathroom
Cozy: A smaller bedroom gets plenty of natural light
The pair ended speculation upon
announcing their separation in June, with Depp linked to his The Rum Diary
co-star Amber Heard, while Paradis is said to have moved on with French
businessman Guy-David Gharbi, according to reports.
Now, the singer divides her time between France and Los Angeles, where her children attend school.
Paradis, in an interview published last month, told French Elle she will continue to be trans-continental now that the Lily-Rose and Jack are older and 'more independent'.
While declining to discuss her
relationship with Depp, she was more candid in another sit-down
conducted just two days before the couple would announce their
relationship was at an end.
Luxurious: The home also boasts an outdoor pool and water fountain
Al fresco: There are quite a few opportunities for outdoor dining
Nice rides: The home features a three-car garage
All lit up: Tucked away off Mulholland Drive, the property certainly stands out
Speaking to Harper's Bazaar, she said: 'Love is the strongest and most fragile thing we have in life.'
'Nothing is ever for sure, but when
something in love doesn't work from the beginning, it's never going to
work. Don't push it,' she said.
Paradis gave a hint of what was to come in her interview, talking about being in love but finding it was making you 'unhappy'.
'When you meet the love of your life, it's just obvious and natural and easier,' she said.
'You keep learning all the time. Sometimes you could be in an unhappy relationship; you are very much in love with someone, but it's making you unhappy and you think things can change and you can work it out.'
Going their separate ways: Johnny Depp, pictured on August 6, and Vanessa Paradis, on June 21, announced their split in June
Most watched News videos
- Horrified uber passenger films driver receiving oral sex
- Horrific moment student falls to her death during college exercise
- Driver kills her sister in crash while live streaming on her phone
- Officer of Libyan National Army kills 20 prisoners in mass execution
- Jordan releases security footage of shooting of 3 US troops
- William and Harry talk about Diana in special 20th anniversary documentary
- Man has water poured over him after acid attack in East London
- Shocking CCTV footage of fatal car bomb explosion in Egypt
- Naked man chops off his penis and charges at cops in drug rampage
- Muhammad Saleem confronted by paedophile hunters in Newcastle
- Giant angry huntsman spider terrorises family
- Charlie Gard's mother Connie Yates arrives at court
- Stripped and hosed down in the street, the latest victims...
- Girl, 16, who posted heartbreaking pic of prom dress she...
- Couple on their way to £7,000 Hawaii honeymoon are...
- Charlie Gard's parents' fight to take their...
- Daughter who moved to Florida gets the 'biggest surprise...
- Shocking moment naked man 'high on drugs' goes on rampage...
- PIERS MORGAN: Planet Diana was a crazy place but even...
- Moment terrified thrillseekers as young as 12 are...
- Father donned lipstick and pretended to be a woman to...
- Revealed: Mother-of-two killed her son, nine, and...
- Corbyn faces calls to RESIGN for reneging on promise to...
- Horrifying moment girl, 16, plunges off the edge of her...
- EXCLUSIVE: Venus Williams bashes couple involved in fatal...
- All petrol and diesel cars to be banned from 2040: Plans...
- The bizarre moment a naked woman leaves drivers bemused...
- Moment pizza chef, 32, who thought he was meeting a...
- Is this the biggest spider EVER? Giant 'angry' huntsman...
- Pensioner started a 14-year £200,000 feud with a...
The comments below have not been moderated.
The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline.
We are no longer accepting comments on this article.


text:
Capri Cavanni – Naughty Office
Released: May 21, 2014
Capri is doing inventory when Johnny walks into her bar. Johnny is looking to get his band booked at this place. Capri isn't the manager or owner and says that she can't help him out. Johnny is persistent and asks if she can call someone to come down because his band is just that good. Capri has a change of heart and think she might have a way that she can help Johnny out if he can help her reach her climax.
Deleted due DMCA report


text:
There Are Two Secret Games On Facebook Messenger, Did You Know?
I love using Messenger because it is so convenient to connect with my family and friends. But that isn't the only thing Messenger has.
Now, Facebook Messenger has also been updated with games to provide more ways to interact with people. What are you waiting for? Read below to find out how.


text:
Please use this identifier to cite or link to this item:
|The Impact of the 2008 Farm Bill On Pollinators in the United States
|Patacsil, Christopher
|Andolfatto, Peter
|Ecology and Evolutionary Biology
|Class Year:
|Pollination is a key part of the sexual reproduction of angiosperms, the flowering plants that include apples, lettuce, and wheat (Zeng et al. 2014). While wind-pollination and other abiotic factors may contribute to this vital component of plant reproduction, the majority of pollination occurs due to animal pollinators (Faegri and van der Pijl, 1979). Birds, bats, bees, and many other insects serve as pollinators for a multitude of plants and agricultural crops (Frankel and Galun, 1977). Worldwide, the total value of specific insect-pollinated crops was $897.8 billion in 2009, roughly 39% of the world production value (Gallai et al. 2009). These animals are important to both ecosystems and economies, but they are also greatly threatened by climate change, diseases, and other insects (Ellis et al. 2010; Cameron et al., 2010; Tscharntke et al., 2002; Hickling et al., 2006). In response, the United States enacted the Food, Conservation, and Energy Act of 2008 ("Farm Bill of 2008"), which made pollinator conservation and restoration an explicit priority for the first time. As of yet, no assessment has been done to determine whether this bill has positively impacted pollinator numbers. I wanted to investigate the effectiveness of the Farm Bill of 2008 by using the aggregate yield and value of production of 31 crops that were dependent and not dependent on animal pollination in the period 1992-2014 (Calderone 2012). I hypothesized that if the bill had helped boost pollinator numbers, then there would be a greater increase in aggregate yield and value of production in pollinator-dependent crops than in pollinator-independent crops after 2008. Although the value of production for dependent crops was significantly greater after 2008 than before 2008, the value of production for independent crops was also significantly greater after 2008 than before 2008. Aggregate yield did not show any significant difference before and after 2008 between both crop groups. Thus, value of production and aggregate yield did not indicate that the Farm Bill of 2008 had significantly altered pollinator numbers, though the time frame since the passing of the bill is relatively short. Furthermore, conclusions about the change in pollinator numbers since 2008 cannot be made definitively because I was using proxies rather than proper pollinator numbers. Since the incentives promoted by the bill are all voluntary, it is possible that they are underused, which has resulted in little change in pollinator conditions (US Department of Agriculture, 2008). Further studies should assess government incentive claiming rates among farmers to determine if the money from the Farm Bill of 2008 is being used in the first place. More research is needed to discover any connection between anthropogenic disturbances and pollinator foraging behavior changes. In this way, the government will be better able to protect these extremely valuable animals that provide a service to the environment and humankind alike.
|31 pages
|Type of Material:
|Princeton University Senior Theses
|Appears in Collections:
|Ecology and Evolutionary Biology, 1992-2016
Files in This Item:
|595.53 kB
|Adobe PDF
|Request a copy
Items in Dataspace are protected by copyright, with all rights reserved, unless otherwise indicated.


text:
Of course, 19 hp are not many if added to a sport that already develops 431 hp like the BMW M3, M4 Coupe, and M4 Convertible, but know that with the appropriate Competition Package the power of the three Bavarian reach the round figure of 450 hp can give some satisfaction to new customers. We refer to those who intend to just sort of M3, M4 Coupe, and M4 Convertible of the special Competition Package developed by BMW M GmbH and available in spring 2016 on a trio of German sports. Thanks to the new package competition of M3 and M4 coupe lower their acceleration time from 0 to 100 km / h in 4.0 seconds (4.1 seconds against the standard), while the M4 Convertible drops to 4.3 seconds, always in combination with automatic transmission 7-speed dual clutch DKG.
In addition to the improvement in acceleration, the Competition Package BMW brings the adaptive M suspension adjustable in Comfort mode, Sport and Sport +, the Active M Differential set as the SDC for a more sporty driving and exclusive alloy wheels 20 inches with style 666 M that mount tires 265/30 R20 front and 285/30 R20 Rear. The BMW M3 and M4 with Competition Package is externally recognizable by the Shadow Line finish in glossy black that reaches the front double kidney grille, the side air vents, and rear model code. The same treatment obscured external details is extended to four tailpipes in black chrome finish that a facility specially tuned for the best sound. The passenger compartment are to be seen not only the M sports seats and light, but also the seat belts with the tricolor flag of BMW M.


text:
Featuring a garden, Holiday home Gite De La Fagne is a holiday home located in Malmedy in the Liege Province Region. Guests benefit from patio. Free WiFi is available throughout the property.
The kitchen has a dishwasher and an oven. A TV is featured. Other facilities at Holiday home Gite De La Fagne include a sauna and seasonal outdoor pool.
Aachen is 35 km from Holiday home Gite De La Fagne, while Valkenburg is 47 km away. Liège Airport is 46 km from the property....


text:
Dates: August 29-September 9, 2016
Morning Session: 10:00am-11:50am
Afternoon Session: 1:30pm-3:20pm
Location: Corwin 127
Instructors: Ted Enamorado and Saurabh Pant
Course Description: The math camp reviews basic calculus and linear algebra, as well as it introduces the fundamental ideas of real analysis necessary for graduate courses in formal and quantitative methods. The goal of the camp is twofold. The first is to provide an opportunity to review the basic tools in calculus and linear algebra by solving a number of practice problems. To achieve this goal, the math camp is NOT designed to teach these materials to students for the first time. Rather, it will focus on applying basic calculus and linear algebra tools to solve mathematical problems. We will start providing preview materials early in June. All students are strongly encouraged to go over these materials PRIOR to the camp.
The second goal is to facilitate a smooth transition to the mathematical foundation course (POL502). For this goal, we will cover the basic concepts of real analysis. Specifically, the camp will ensure that students can use these basic concepts to prove mathematical propositions. POL502 will be built on the materials covered in this part of the camp.
Dates: August 29-September 9, 2016


text:
Hi! My name is Dicken, and I'm a very handsome 1 yr. old brown agouti tabby. Never heard of agouti? It means that my fur pattern is ticked, like an Abyssinian cat. Do a Google search on agouti - you'll see how really cool it looks!
When I was little my foster mom called me "Flopper," because I love to flop over on my side for you to pet me. I'm a bit of a clown; I love to do silly things in front of people so they will admire me and pet me!
I am generally a quiet kind of guy, although if I'm hungry I will start up quite a conversation, and when I see birds or squirrels outside, I can chatter with the best of them! I also love sinks - big sinks, little sinks, sinks that look like rocks - I love to jump in and just chill.
I have one habit that my mom wishes I would outgrow - I am a speed racer. (I think I was a cheetah in a previous life.) When I get startled, I race at top speed all around the house, and sometimes that gets me into trouble. (I still say that was a dumb place for a lamp...) But once I work out my energy, I'm back to my usual adorable self.
So if you are looking for a sweet, lovable, goofy kind of cat, I'm your guy! To meet me, apply at www.outpaws.org/adopt
We believe that our pets rescue us as much as we rescue them, no matter if they are homeless or shelter animals that have been deemed "unadoptable." We pride ourselves on being champions of the "underdogs," and we know that with a little patience and love, mixed with proper care and training, these animals can make wonderful, loving companions. Whether placing pets in foster homes or forever homes, our role as "matchmaker" is one we take seriously. We hope to reach those who are lifelong pet owners as well as those who are looking for their first rescue with the goal of creating and nurturing bonds that last a lifetime.
Once we have received your application and determined that you are a good match for the requested animal, we will contact you by email. The foster parent will then contact you to arrange a time for you to meet the animal, at which time you can decide if you would like to complete the adoption.
Once the adoption is approved, you will need to complete our online Adoption Contract and pay the non-refundable adoption fee. This non-tax-deductible fee assists us in continuing to save more homeless pets and may be refunded only if the animal is returned within 14 days due to a health consideration.
All of our animals are spayed/neutered and up-to-date on distemper, parvo, parainfluenza and adenovirus, as well as rabies if they are over 6 months of age.
Adoption Fees
Dogs under 1 year of age: $250
Dogs over 1 year of age: $200
Kittens: $125
Adult cats: $75
Thank You!
Your message has been sent to OutPaws.
You'll receive a copy, too, at to help you keep track of which pets you've inquired about, and which shelters and rescues you've emailed.
NOTE: Some shelters have physical locations you can visit; some of these shelters may only have pets for a limited time, so please do not wait for a reply—just go visit the shelter! Other organizations are rescue groups run by busy volunteers who may take a while to reply. You can find information about the shelter or rescue group caring for this pet, and their adoption procedures, on the pet's details page on Adopt-a-Pet.com.


text:
The American-built General Orbital Support Vehicle War Eagle was an orbital military space plane rushed into service in the year 2018 to stop the Chinese assault on the US satellite network.
Chinese Campaign
In space, the Chinese Xiaolong spaceplane begins attacking American and allied satellites, blinding their optics with "Dragonfire" lasers, along with a barrage of bullets from its dorsal and ventral turret-mounted recoilless cannons, and an armament of kinetic "hit-to-kill" missiles, basically non-explosive extremely dense warheads each on space-capable missiles, nicknamed by Americans, the "Hammer of Mao." In response, the US, in defense, deploys their War Eagle spaceplane, basically an American version of the Xiaolong( itself a copy of a top-secret US spaceplane prototype, only far less safe and rushed into service by an eager Chinese government). In essence, both countries were using the same technological base technology.
Onboard Technology
The War Eagle utilizes all of the same weapons as the Chinese Xiaolong, only more deadly. The "Peregrine" kinetic missile is basically a space-adapted sidewinder missile with a solid tungsten warhead. For defense, the War Eagle relies on stealth and its assortment of Perigrine missiles.
Attack Style
When attacking the Xiaolong, first, the War Eagle approached undetected due to its small radar signature thanks to stealth technology and a camouflaging backdrop of space debris radar signatures. Then, the War Eagle disabled the Xiaolong's sensors with first a stream of junk data fired at the datalink and weak lasers aimed at the sensors. Once disabled, the War Eagle attacked the Xiaolong's weapons through Peregrine missile strikes. To finish off the aggressive Chiinese craft, the War Eagle pilot deployed a virus into the Xiaolong's autopilot, directing the craft to steer uncontrolled into the Earth's atmosphere, causing it to burn up; as an additional prize, the War Eagle salvaged the Xiaolong's escape pod, taking a valuable POW.


text:
Status: Closed
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Up to cashcash in minutesfree to our customersget cash keep the car!get cash today!just bring your checkbook or debit cardno clear title requiredse habla espanolwe pay more!a single party advan e is typecally for two to four weeks. Rowerver borrowers offer use these loans owe a period of months when cable payday advances are not recoded as long term fransicial solutions.a single payday advance...
Relax. We've got you covered. Get up to $300 fast!
When you need quick cash, we've got you covered. Stop by Rapid Cash in Portland, OR. Apply for a cash loan with your ID, proof of income, and blank check.
Auto Title Loans Up to $300 Cash
Cash Deposited In Your Account In As Little As 2 Hours
We Pay More
Check Cashed
Get Cash
We Cash All Types of Checks
No Clear Title Required
Cash for Gold
Auto Title Loans
Quick & Easy
SE Habla En Espanol
Payday Loans Up to $900 Cash
Wire Transfers Services
Loans Up to $300
Just Bring Your Checkbook or Debit Card
Up to $300 Cash
Cash In Minutes
Up to $900...
Be the first OregonLive.com user to add photos or videos of Rapid Cash
This Rapid Cash branch's exceptional customer service makes me feel compelled to come write a review. I've visited this branch a number of times and have...
I acquired a loan and asked for a call a day in advance of when the loan would be debited from my account. I was assured by the attendant that since I used a debit card was used to secure the loan that a call would automatically be generated. Today I noticed the loan processed with no phone call. I called and spoke to a manager and she assured me someone had called me, but could not tell me who, when, or why they did not leave a message. She got upset that I was speaking loudly, but I was trying to speak through the glass barrier between myself and her and when I explained this she...
When you need quick cash, we've got you covered. Stop by Rapid Cash in Portland, OR. Apply for a cash loan with your ID, proof of income, and blank check. Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.
California: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit...
* Auto Title Loans Up to $300 Cash
* Cash Deposited In Your Account In As Little As 2 Hours
* We Pay More
* Fast & Friendly
* Check Cashed
* Get Cash
* We Cash All Types of Checks
* Licensed by The State of or
* Competitive Payouts
* No Clear Title Required
* Just Bring Your Checkbook or Debt Card
* Cricket Wireless
* Apply From The Comfort of Your...


text:
The IDAutomation Wireless Barcode Scanner supports DataBar and PDF417 in addition to several other barcode types. Price includes the complete scanner, battery, cradle, power supply, 7.5' USB cable, quick start guide and downloadable user manual.
3 year Extended Warranty with Priority Support for SC5 Scanner
Price: $29.00
Add to Cart
Replacement Battery for Wireless Scanner
Price: $12.00
Add to Cart


text:
Melt-in-Your-Mouth Braised and Barbecued Chicken
How to Make It
Heat oil in a large skillet over medium-high heat. Add chicken, and sauté 6 minutes, turning once.
Combine fruit juices in a large bowl. Stir together cornstarch and 1 tablespoon juice mixture until smooth; set aside.
Stir soy sauce and next 6 ingredients into remaining juice mixture; pour over chicken. Bring mixture to a boil; cover, reduce heat, and simmer 35 minutes, turning chicken after 20 minutes.
Prepare rice according to package directions. Keep warm.
Uncover chicken, and stir in cornstarch mixture. Cook, stirring constantly, 5 minutes or until sauce thickens.
Spoon rice onto a serving platter; top with chicken and sauce. Sprinkle with chopped green onions.


text:
Social media mobile site(hybrid app) for Barbers and hairdressers
Budget £1500-3000 GBP
The need – Identification of talented hair dressers/ barbers in various area's especially remote area's and overseas.
Social media app for Barbers and hairdressers. Almost like Facebook, Instagram and Youtube for hairdressers/barbers all in one place.
Concept – Platform for hairdressers to portray their work but also collaborate with others. Helps freelancers to gain recognition in the field and also sets up a booking system
There will be a profile page created for the individual, where pictures can be posted of their work and rated/commented on by the public.
The user will also be able to communicate with the hairstylist and book an appointment through a calendar option. Having visibility of a calendar helps to cut down long queuing/waiting times and also allows the stylist to prepare for the day.
Users will be able to search for a stylist based on country, area, ratings, pictures, gender ect
A beauty service will be added at a later date.
108 freelancers are bidding on average £2570 for this job
(From the makers of Vivino & Dah Makan) Hi, I hope you are doing well, We are 7 year young rapidly growing Website & Mobile App Development Company based out of New Jersey, USA, Gold coast, Australia & Pune More
Hello, Good afternoon!! As per the project description, you want to design and build a Social Marketplace for Barbers and Hairdressers. We have developed a very website similar to your concept for photographer i More
Greetings!! I am very thankful for this opportunity. It's really exciting that we have similar kind of expertise and work experience. Barber booking apps: https://itunes.apple.com/us/app/mytime-book-appointments More
Hi, I'm interested in your project. Please send me a message so that we can discuss more. I have a 8+ years of experience in Android and iPhone apps development.I understood your requirement and I am confident to do t More
Let's discuss more about project to finalize the proper scope with estimated cost and time so ping me over the freelancer chat.....I will share some demo as well for recent works if you want to check. You can also c More
Dear Sir, We are working on Web, iPhone, iPad and Android, We have the large team of that skills with a designer. We have checked your requirement and we are interested in working on it, would like to see wire-frame More
I checked your description carefully. I can meet up your requirements successfully. I have an 6+ years experience of mobile app developing. Please check my production and contact me for more details. -Uber Style A More
How are you? I had read your job description carefully. I believe that I can do this job well. Because I have follow skill and experience to build your product. - Object C and Swift - Jave and javascript More
Project: hybrid barbers app Skills: iOS, Swift, ObjectiveC, Android, HoneyComb Experience: 11 Years Expertise: Website and Mobile app Development Team Size: Dedicated Programmers
Dear Sir, I have read Project Description & understand the initial high level requirement. However, I am bit confused if you want Mobile friendly/responsive website or you want iPhone/Android Apps? Please ignore More
Dear, client. How are you today? I'm so interested in working on your project as a developer who has good experience in this field and am fully capable of giving you high quality product that will help you grow you More
Hello some thing similar we already did, but this is for different industry Snow and Mow-- http://t0rel1.axshare.com/ Looking forward to hear from you soon Thank You


text:
We're thrilled to announce two upcoming trunk shows in Utah! Hosted by Alice Lane Home, we'll be showing in Orem & Salt Lake City on the dates seen below. Join us for treats, giveaways, and of course – shopping! We can't wait to meet you.
Look what just dropped in our shop! The Portland Collection now has a new addition. Grey Spotted is quickly becoming one of our favorites. Head over here to shop the new color!
Mondays aren't so bad with a little free shipping! Use code SHIPFREE to save on all pillows and fabric (excludes international) for two days only! Ends 12/16. Hop over here to get shopping.
Gold Dot Stocking on LaurenConrad.com
We're so excited to be teaming up with LaurenConrad.com for a stocking stuffer round-up and CW stocking giveaway! We're huge fans of Lauren's style and website so it's an honor to work with her lovely team and bring these Christmas treats to you. Pop over here to enter!
CW + The American Edit
Today we're teaming up with one of our favorite fellow bloggers – Rita of The American Edit! Rita is a styling pro and we can't stop drooling over how she designed this space with her new CW pillows. Head over here for more details and a giveaway. Thanks Rita!
Shop this space: Navy Spotted, Gold Scallop, Gold Fleur, Bridge City Blooms
Holiday Gift Guide: Caitlin's Picks
Christmas is right around the corner and we're striving to enjoy every second of the holiday season! And that, of course, includes shopping for everyone on our list. This can sometimes be a tricky task so here's one more Gift Guide to get the ideas flowing: Caitlin's picks!
1. Prospect Boots / 2. Rifle Les Fleurs Wall Calendar / 3. Personalized Bar Pendant Necklace / 4. Ex-Boyfriend Shirt / 5. Wilbur Fedora / 6. Luis Chair / 7. Dark Amber Cologne / 8. Monogrammed Gift / 9. Suede Vans / 10. Night Lounge Ring Set
Holiday Gift Guide: Shauna's Picks
Happy Tuesday! Have you finished your holiday shopping yet? We're having so much fun picking just the right thing for each person on our list (and a little for ourselves ; ). If you need some extra help: here's Shauna's picks!
1. Saltwater Duck Boot / 2. 'Places To Go' Coffee Table Book / 3. Night Flowers Wall Print / 4. Softest Ribbed Beanie / 5. Baies Scented Candle / 6. Gourmandise Bread Board / 7. Cotton Pajama Set / 8. Abroad Planner / 9. Imprint Stacking Rings / 10. Quilted V-Neck Vest / 11. Patti Plaid Throw / 12. Crosley Radio Turntable
Holiday Gift Guide: Shannon's Picks
It's that time again! Christmas shopping has begun and we're so excited to share our favorites for the holiday season. This week we'll be featuring gift guides from each member of the CWD Team. First up: Shannon's picks!
1. Slippers / 2. Wool Hooded Jacket / 3. Gray Malin Print / 4. Remodelista Book / 5. Homeward Beanie / 6. Quill Feather Bracelet / 7. Fair Isle Sweater Leggings / 8. Recipe Box / 9. 'Darling I Am Home' Canvas / 10. Geo Tilt Shiftdress / 11. Stationary Subscription
Destination: COZY
Christmas is in full swing and we couldn't be more thrilled! The cozy-ness of the season is always a welcome transition around here. Lately we've been noticing a lot of neutral holiday decor and have to say: we're on board. It's nice having options that don't clash with what colors you already have in your space. For example: white wrapping paper, wreaths with neutral bows, gold, white and touches of evergreen branches. It gives Christmas decor so much more flexibility and allows the items you buy to be re-used for other occasions. Plus, these neutrals are classic and won't ever go out of style.
We've had so much fun mixing our new Portland Collection with holiday decor. Textures and wrapping mixed with florals…it doesn't get much better : )