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gw
发帖数: 2175 | 2 今天在公司的medical里看到这个 Retiree Medical Benefits 一次性选择的。
有没有人研究过，分析一下？ |
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p*******1
发帖数: 102 | 3 Congress’s Six-Figure Benefits Add to $674 Billion Pension Gap
By Charles R. Babcock and Frank Bass - Jan 18, 2012 9:01 PM PT
Almost 15,000 federal retirees, including former leaders of Congress, a
university president and a banker, are receiving six-figure pensions from a
system that faces a $674.2 billion shortfall.
About one of every 125 retired federal civilian workers collects more than $
100,000 in benefits annually. They include physicians, postal workers and
presidential candidate Ne... 阅读全帖 |
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M***O
发帖数: 3718 | 4 http://www.tealeafnation.com/2013/04/why-time-is-running-out-on
In recent years, issues about China’s pension system have repeatedly hit a
public nerve. Among the hot topics consistently reappearing on the front
pages of Chinese papers, the social pension perhaps has the most direct
influence on people’s lives. Yet convoluted procedures and a lack of
transparency make the institution hard to decipher. From time to time,
officials, scholars and citizens have debated whether there is a major
crisi... 阅读全帖 |
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b*******o
发帖数: 832 | 5 http://e.nfl.com/PS!l+p1XdtLoD8FBgIAAAAGCgFICggxMDgyOTUxNQoKMTg
Myth:
“While U.S. life expectancy is 77.6 years, recent studies suggest the
average
for NFL players is 55.”
Source: St. Petersburg Times
Fact: “A government study found a lower death rate among former NFL players
than among men in the general population. Former players also had a lower
rate of cancer-related deaths. And the rate of deaths from heart disease was
lower, too.”
Source: New York Times
Fact: “We found the players in our s... 阅读全帖 |
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b********n
发帖数: 38600 | 6 http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declining.
1. Right now, there are somewhere around 40 million senior citizens in the
United States. By 2050 that number is projected to skyrocket to 89 million.
2. According to the Employee Benefit Research Institute, 46 percent of all
American workers have less than $10,000 saved for retirement, and 29 percent
of all ... 阅读全帖 |
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g********d
发帖数: 4174 | 7 Frequently Asked Questions
Pedersen et al. v. Office of Personnel Management et al.
On November 9, 2010, Gay & Lesbian Advocates & Defenders (GLAD) filed
Pedersen et al. v. Office of Personnel Management et al. in Federal District
Court in Connecticut, a new challenge to the federal Defense of Marriage
Act and its mandated non-recognition of marriages of same-sex couples. This
new case involves 5 couples and one widower from the states of CT, VT and NH.
1. What is this lawsuit about?
This la... 阅读全帖 |
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D*V
发帖数: 3096 | 8 http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declining.
1. Right now, there are somewhere around 40 million senior citizens in the
United States. By 2050 that number is projected to skyrocket to 89 million.
2. According to the Employee Benefit Research Institute, 46 percent of all
American workers have less than $10,000 saved for retirement, and 29 percent
of all A... 阅读全帖 |
|
l****z
发帖数: 29846 | 9 The share of the population that is working fell to its lowest level last
year since women started entering the workforce in large numbers three
decades ago, a USA TODAY analysis finds.
An aging population contributes to a challenge for the nation's social
programs.
Only 45.4% of Americans had jobs in 2010, the lowest rate since 1983 and
down from a peak of 49.3% in 2000. Last year, just 66.8% of men had jobs,
the lowest on record.
The bad economy, an aging population and a plateau in women ... 阅读全帖 |
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l****z
发帖数: 29846 | 10 Déjà Vu Pension Woes
Going into debt to fund pensions seems like a ridiculous thing to do,
especially for a company had a chance to shed more of those pension
obligations in bankruptcy.
Please consider the Wall Street Journal story GM Wants to Up Credit Line
General Motors Co. is in preliminary talks with banks to potentially
double its $5 billion line of credit as the auto maker looks to strengthen
its balance sheet and shrink pension obligations, according to people with
knowledge of the d... 阅读全帖 |
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z*****a
发帖数: 3809 | 11 【 以下文字转载自 Military 讨论区 】
发信人: beijingren (to thine own self be true), 信区: Military
标 题: 22 Facts About The Coming Demographic Tsunami
发信站: BBS 未名空间站 (Tue Feb 11 22:36:16 2014, 美东)
http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declining.
1. Right now, there are somewhere around 40 million senior citizens in the
United States. By 2050 that number is projected to sky... 阅读全帖 |
|
l****z
发帖数: 29846 | 12 【 以下文字转载自 USANews 讨论区 】
发信人: zhubaba (猪爸爸), 信区: USANews
标 题: 22 Facts About The Coming Demographic Tsunami (转载)
发信站: BBS 未名空间站 (Wed Feb 12 09:06:13 2014, 美东)
发信人: beijingren (to thine own self be true), 信区: Military
标 题: 22 Facts About The Coming Demographic Tsunami
发信站: BBS 未名空间站 (Tue Feb 11 22:36:16 2014, 美东)
http://theeconomiccollapseblog.com/archives/22-facts-about-the-
22 Facts About The Coming Demographic Tsunami That Could Destroy Our Economy
All By Itself
US economy is steadily declini... 阅读全帖 |
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w*******y
发帖数: 60932 | 13 To all who served - a simple thank you is never enough. We would not be
able to post these deals if it were not for your service.
Two notes before jumping in:
Proof of Military Service. First, most companies require some form of
military ID - including a U.S. Uniform Services ID Card (active/reserve/
retired), Current Leave and Earnings Statement (LES), Photograph in uniform,
be wearing uniform (if your service permits), Veterans Organization Card (e
.g., American Legion and VFW), DD214, di... 阅读全帖 |
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w**********g
发帖数: 1985 | 14 The World Bank's Growth Recommendations To China Should Make You Laugh
Dean Baker, CEPR
It is striking that the reporters can write about recommendations from the
World Bank or International Monetary Fund to China about sustaining its
growth, without any comment on the irony.
These institutions have been making policy recommendations for six decades
that have often not resulted in much growth at all. In some cases, most
notably the situation of Argentina following its default in 2001, they have
... 阅读全帖 |
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d********a
发帖数: 3698 | 15 12年里中国的人均GDP从2000年的856美元成长到去年的5400美元。
--------------------------------------------------------------
American Incomes Are Falling And Near-Retirees Are Getting Crushed: Study
Annual incomes in the United States have dropped sharply in recent years,
and near-retirees are getting hit the worst.
That's the conclusion of a new study by Sentier Research, which looked at
the trend in median U.S. household incomes since 2000.
Twelve years ago, after adjusting for inflation, the median household in the
... 阅读全帖 |
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l****z
发帖数: 29846 | 16 Did you notice who Obama threatened when he wasn't getting his way on
raising the debt ceiling?
He threatened to not pay: Social Security Retirees, Military Retirees,
Social Security disability and Federal Retirees.
He did not threaten to stop payments to illegal aliens. He did not
threatened to take frivolous benefits such as Internet access away from
violent inmatesHe did not offer to fire some of the thousands of unnecessary
federal employees that he hired. He did not offer to cut down on his... 阅读全帖 |
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l****z
发帖数: 29846 | 17 By Joseph Ashby
We can say one thing of the new GOP front-runner: Governor Rick Perry knows
how to fire up a crowd. The leftist media blew up this week when Perry
reiterated a point from his book Fed Up! that Social Security and Medicare
are Ponzi schemes.
"There is nothing at all about Social Security that is anything like a Ponzi
scheme," declares the Washington Post's Plum Line blog. (Bernie Madoff's
lawyers must be wondering where this guy was during jury selection.) The
blogger claims So... 阅读全帖 |
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h********n
发帖数: 15 | 18 http://www.jewishworldreview.com/cols/sowell1.asp
保守派作家中最为睿智的一位，总是能非常简单的说明一个问题。Limbaugh, Coulter,
Hannity 还有FOX的王牌R'reilly虽然都很能舌辩，但是深度上要差一些。
The ‘Ponzi’ Sound Bite
By Thomas Sowell
Many in the media and in politics have gone ballistic over the fact that
Texas Governor Rick Perry called Social Security "a Ponzi scheme."
Although many act shocked, shocked, as if Rick Perry had said something
unthinkable, Governor Perry is not even among the first thousand people to
call Social Security a Ponzi sch... 阅读全帖 |
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l******a
发帖数: 3803 | 19 Gov. Rick Snyder, R-Mich., said Sunday on "Face the Nation" that granting
Detroit a government bailout would be the wrong way to help the bankrupt
city.
"I do not view that as the right answer," Snyder told "Face the Nation" host
Bob Schieffer when asked whether he would ask the federal government for a
bailout. "The right answer is, bankruptcy is there to deal with the debt
question."
Snyder said the state cannot bail out Detroit, and while the federal
government will make its own decision on a... 阅读全帖 |
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l****z
发帖数: 29846 | 20 Rauner Seeks Insurance Program Changes for Illinois Retirees; Michigan
Changes Upheld in 6-0 State Supreme Court Decision
Illinois state pension and retirement plans are in dire straits. The only
way to fix the problems is with plan changes.
Michigan did that in 2012. And in a 6-0 decision yesterday, the Detroit Free
Press reported the Michigan Supreme Court, rejected arguments from unions,
and upheld the 2012 state law requiring teachers to put more of their pay
toward their pension plans or fa... 阅读全帖 |
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l****z
发帖数: 29846 | 21 Small-dollar donors flock to Trump, help power his campaign
WASHINGTON (AP) — Donald Trump likes to boast about his enormous wealth and
how he doesn't need anyone else's money to pay for his presidential
campaign. That hasn't stopped tens of thousands of people from chipping in
with checks as small as $10 to let the Republican candidate know they're
behind him.
Trump has taken in 73,942 contributions, a total that surpasses several of
GOP rivals, despite the billionaire businessman's early pledg... 阅读全帖 |
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l****z
发帖数: 29846 | 22 COLUMBIA, S.C. (AP) — Donald Trump has emerged as the front-runner for the
GOP nomination by winning over roughly a third of Republicans in the early
voting states and in preference polls, packing his rallies with men and
women, evangelical Christians and military veterans, blue-collar workers and
wealthy retirees.
His critics have argued for months he’ll never be able to grow that wide-
but-only-so-deep coalition by clashing with Pope Francis, attacking former
President George W. Bush and skipp... 阅读全帖 |
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S**C
发帖数: 2964 | 23 Correlation or not is besides the point, to suggest a near-retiree or
retiree would suffer 40% loss at the height of last crisis implies that
retiree would have close to 100% equity, which in turn begs the question,
how realistic and trustworthy the insurance companies studies are when they
compare their product with other investment and insurance alternatives.
still |
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l****z
发帖数: 29846 | 24 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: 伊州共和党州长要对pension大改革, 密西根已有了先例
发信站: BBS 未名空间站 (Fri Apr 10 15:41:57 2015, 美东)
Rauner Seeks Insurance Program Changes for Illinois Retirees; Michigan
Changes Upheld in 6-0 State Supreme Court Decision
Illinois state pension and retirement plans are in dire straits. The only
way to fix the problems is with plan changes.
Michigan did that in 2012. And in a 6-0 decision yesterday, the Detroit Free
Press reported the Michigan Supreme Court, r... 阅读全帖 |
|
g******4
发帖数: 6339 | 25 CHICAGO (FOX 32 News) -
There is a lot of concern among retirees Tuesday night as they look ahead
and try to assess just how the pension deal will impact their income.
SEE: Illinois Legislature approves fix for $100B pension crisis
Jennifer Edwards is not only upset, she feels betrayed. For 30 years she
worked as an office administrator at the University of Illinois Chicago and
contributed to her pension. But with Tuesday's deal, her UIC pension will be
reduced as the 3 percent COLA — or cost of... 阅读全帖 |
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l****f
发帖数: 332 | 26 不知道是谁想出来的主意
To Pay New York Pension Fund, Cities Borrow From It First
http://www.nytimes.com/2012/02/28/nyregion/to-pay-new-york-pens
ALBANY — When New York State officials agreed to allow local governments to
use an unusual borrowing plan to put off a portion of their pension
obligations, fiscal watchdogs scoffed at the arrangement, calling it
irresponsible and unwise.
And now, their fears are being realized: cities throughout the state,
wealthy towns such as Southampton and East Hampton, count... 阅读全帖 |
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J*V
发帖数: 3150 | 27 Recession Left Baby Bust as U.S. Births Lowest Since 1920
By Frank Bass - Nov 30, 2012 12:01 AM ET.
.
Facebook Share
LinkedIn
Google 1
73 Comments
Print
QUEUE
Q
..
Getty Images
The U.S. birth rate in 2011 was 63.2 per 1,000 women of childbearing age,
according to preliminary numbers. That’s down by almost half from a peak of
122.7 in 1957 during the postwar baby boom.
The U.S. birth rate fell to a record low last year, driven by a decline in
the number of babies born to immigrant women, who hav... 阅读全帖 |
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s*********8
发帖数: 901 | 28 WASHINGTON — The Postal Service said Friday it lost $8.5 billion last year
despite deep cuts of more than 100,000 jobs and other reductions in recent
years.
The post office had estimated it would lose $6 billion to $7 billion, but a
sharp decline in mail took a toll. Increased use of the Internet and the
recession, which cut advertising and other business mail, meant less money
for the agency.
For the year that ended Sept. 30, the post office had income of $67.1
billion, down $1 billion from the... 阅读全帖 |
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k***n
发帖数: 11247 | 29 ??? 10000 RMB per month, how many retirees must afford a caretaker? if 3
retirees afford 1 caretaker, only 3333 per month |
|
u****d
发帖数: 2578 | 30 Recession Left Baby Bust as U.S. Births Lowest Since 1920
By Frank Bass - Nov 30, 2012 12:01 AM ET.
.
Facebook Share
LinkedIn
Google +1
73 Comments
Print
QUEUE
Q
..
Getty Images
The U.S. birth rate in 2011 was 63.2 per 1,000 women of childbearing age,
according to preliminary numbers. That’s down by almost half from a peak of
122.7 in 1957 during the postwar baby boom.
The U.S. birth rate fell to a record low last year, driven by a decline in
the number of babies born to immigrant women, who hav... 阅读全帖 |
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o****y
发帖数: 26355 | 31 The government pension is just a little bit more reliable than company's
pension.
If you happens to be retiree from Detroit, its government goes bancrupted.
your pension will greately reduced. Last I heard was that the Detroit
government employee retiree only could get one third of its original pension.
The company pension is even worse, the company can go bancrupted more easily
than the government. |
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T*R
发帖数: 36302 | 32 什么联邦雇员，就是普通小学老师，一推pension10万美元/年的。
893+ Lake County and Waukegan Gov. Retirees Raking in Pensions Over $100,000
! by admin
by admin on March 4, 2015 with 0 comments Chicago, Items of Interest, Latest
, News Releases, Taxpayer Alert
getsocial-loaded23000
View as PDF
Chicago – Taxpayers United of America (TUA) reveals in their latest
government pension study that over 893 Lake County and Waukegan government
retirees are collecting annual pension payments over $100,000.
“It’s unconscionabl... 阅读全帖 |
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l****z
发帖数: 29846 | 33 By Dennis Cauchon, USA TODAY
The typical American household would have paid nearly all of its income in
taxes last year to balance the budget if the government used standard
accounting rules to compute the deficit, a USA TODAY analysis finds.
Congress exempts itself from including the cost of promised retirement
benefits.
Congress exempts itself from including the cost of promised retirement
benefits.
Under those accounting practices, the government ran red ink last year equal
to $42,054 per... 阅读全帖 |
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k****g
发帖数: 1509 | 34 By Philip Moeller
November 21, 2012 RSS Feed Print
As you get ready for what I hope will be a bountiful day of thanks, food,
and football on Thanksgiving, try not to laugh if I ask you to consider
adding retirement planning to your agenda. Financial planners note that
having lots of family members gathered for a pleasant day might serve as a
supportive setting for discussing financial matters with children and even
grandchildren.
To help stimulate your thoughts, here are two quizzes. One, from M... 阅读全帖 |
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l****z
发帖数: 29846 | 35 Apocalypse Illinois: IOUs Projected to Hit $10.5 Billion, $163 Billion
Total Accumulated Liabilities
Flat Out Broke
Illinois is in serious fiscal trouble. Unpaid bills will hit about $10.5
billion later this year, counting unpaid lotto winners and state university
bills.
Lotto is a small problem overall, yet symbolic of the mess the state is in.
Because Illinois has no current budget, the state does not pay lotto winners
. Instead it sends the winners IOUs. Yesterday, two Illinois lottery winner... 阅读全帖 |
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m******d
发帖数: 3243 | 37 The non-partisan Tax Foundation ran the numbers. And verdict is in: American
people and families will experience a tax cut. Here’s the breakdown:
“Our results indicate a reduction in tax liability for every scenario we
modeled, with some of the largest cuts accruing to moderate-income families
with children and fixed-income retirees. . . All of our sample filers
receive a tax cut, but the size of that reduction varies. The significantly
higher standard deduction, combined with a more generous (a... 阅读全帖 |
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b*****d
发帖数: 61690 | 38 Lawmakers on Capitol Hill are considering a multibillion dollar bailout for
retirees who are members of certain collapsing pension plans, The Washington
Post reported Tuesday.
The proposal, a draft of which was obtained by the Post, would require the
Treasury Department to spend as much as $3 billion annually to subsidize
payments for retirees enrolled in designated pensions.
The bailout is one of several proposals under consideration by a special
congressional committee wrestling the pension cr... 阅读全帖 |
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c***c
发帖数: 59 | 39 原来是UMICH的，我看里面写的是Limited Liability of $100/300/50，这么低和没有
保险差不多吧
再者，严格说你朋友是不能使用这个协议租车作为个人用途的
https://finance.umich.edu/procurement/howtobuy/universitycontracts/national-
car-rental-enterprise-rent-car
Eligible renters are faculty, staff, retirees and graduate students renting
for university purposes.
Faculty, staff, retirees and their spouses can rent for personal use. |
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r****m
发帖数: 1204 | 40 The HBR's annuity blogpost is interesting, I think scholars are creating an
environment to help the govt's push for introducing annuity into the current
401K system.
Annuity is a very complicated product, especially variable annuity is just
too risky and unfit for retirees, but the fixed annuity is the less evil one
and I think every retiree should devote a percentage of retirement asset to
it, to fight for longevity risk. |
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M******m
发帖数: 520 | 41 our office co-workers all donated some money bought a nice wood rocking
chair for our retiree. The chair is custom-ordered with our nice words and
the retiree's name on it. |
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y****i
发帖数: 1050 | 42 you retirement benefit after you get old.
where is better, usa or china?
i think usa is the heaven for retirees, china is the hell for retirees. |
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g***l
发帖数: 18555 | 43 The Phoenix Companies Announces Strategic Alliance with The AltiSure Group;
Launches Secure Lifestyle Annuity Series
New Annuities Bring Revolutionary Benefits to the Indexed Marketplace
HARTFORD, Conn.--(BUSINESS WIRE)--The Phoenix Companies, Inc. (NYSE:PNX)
today announced a strategic alliance with The AltiSure Group, an annuity and
life insurance design and distribution company. This collaboration will
allow the two organizations to combine their expertise in developing
innovative annuity and... 阅读全帖 |
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x*n
发帖数: 68 | 44 今早看到的一片文章，觉得写得很好，分享一下。不知道大牛们读了，有什么见地？
http://www.nashuatelegraph.com/business/942344-192/finding-blam
Finding blame for American Airline’s bankruptcy
DALLAS – Those looking for easy answers to American Airlines’ bankruptcy
filing are likely to be disappointed.
“You’re talking about the straw that broke the camel’s back. But which
one of the straws?” asked Rich Gritta, a University of Portland management
professor who specializes in aircraft finance.
He ticked off some of the reasons. “Fuel price... 阅读全帖 |
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a*********g
发帖数: 9 | 45 J1, 2008年来美，填的是1040, married-filling joint
用 1040 schedule M claim 了 making work pay credit: 400 * 2 = 800
今天看到 IRS 上的状态，把这个 800 调整为 0 了。给出的 details about the
changes:
We changed the amount claimed as Making Work Pay and Government Retiree
Credit on your return. The error is in the computation of the total amount
for Making Work Pay and Government Retiree Credit on Schedule M and/or the
transfer of the amount from Schedule M to page 2 of your return.
我的 1042s 和 w2 情况：
1042s: box 2 是 42xxx；box 5... 阅读全帖 |
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f*******n
发帖数: 12623 | 46 1. 超过65的是Medicare，不是Medicaid。
2. 看https://www.healthcare.gov/retirees/。
marketplace明明写，如果你超过65岁但不符合Medicare，可以在marketplace买保险而
且可以拿到补助：
What if I’m 65 or older but not eligible for Medicare?
You may be able to buy insurance in the Marketplace and get lower costs on
monthly premiums and out-of-pocket costs based in your household size and
income.
而且也明明写，就算你有Medicare，也可以从marketplace买，只是没有补助：
If you have retiree coverage and want to buy a Marketplace plan instead, you
can. But: |
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f*******n
发帖数: 12623 | 47 1. 超过65的是Medicare，不是Medicaid。
2. 看https://www.healthcare.gov/retirees/。
marketplace明明写，如果你超过65岁但不符合Medicare，可以在marketplace买保险而
且可以拿到补助：
What if I’m 65 or older but not eligible for Medicare?
You may be able to buy insurance in the Marketplace and get lower costs on
monthly premiums and out-of-pocket costs based in your household size and
income.
而且也明明写，就算你有Medicare，也可以从marketplace买，只是没有补助：
If you have retiree coverage and want to buy a Marketplace plan instead, you
can. But: |
|
C********2
发帖数: 435 | 48 1. Naperville, IL.
City population: 143,684
Percentage of population age 45 to 64: 27.8%
Crime rate: 1.66 crimes per 100 residents
Cost of living: 3% above the national average
State's retiree tax picture: Mixed
While enjoying the safety of the suburbs — Naperville has the second-lowest
crime rate on this list — you can still take advantage of all the urban
offerings of nearby Chicago. In about an hour aboard the Metra commuter-rail
system, you can reach Union Station with a $5.75 one-way ticket... 阅读全帖 |
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g******4
发帖数: 6339 | 49 *** Group warns of more property tax hikes for teacher pensions ***
Mayor Rahm Emanuel has agreed to impose a $250 million property tax increase
for teacher pensions on the heels of the largest property tax hike in
Chicago history.
But that could be only the beginning of the hits Chicago homeowners and
businesses will have to take.
After evaluating data on 25,000 pension recipients, Taxpayers United of
America warned Thursday that Chicagoans could be “taxed out of their homes
to prop up” a Chica... 阅读全帖 |
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K******S
发帖数: 10109 | 50 good for retirees, not sure about Chinese retirees. |
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