text: Retirement and Beyond Benefits and programs available to retired Contract College Faculty and Staff Table of Contents Introduction ........................................................................................................................3 Before You Retire ...............................................................................................................3 Unused Vacation and Sick Days ....................................................................................................................3 Beneficiaries...................................................................................................................................................3 Benefit Plans and Policies after Retirement ....................................................................3 Health ........................................................................................................................................3 Health Insurance Eligibility ...........................................................................................................................3 Sick Leave Conversion Program .............................................................................................................4 Estimate of Sick Leave Credit .................................................................................................................4 Dual Annuitant Sick Leave .....................................................................................................................4 Retiring Under Age 65 ............................................................................................................................4 Retiring At Age 65...................................................................................................................................4 Retiring After Age 65 ..............................................................................................................................5 Medicare Part D—Prescription Drug Coverage......................................................................................5 All Retirees, Regardless of Age ..............................................................................................................6 Dental Insurance ............................................................................................................................................6 Retiring Under Age 65 ............................................................................................................................6 Retiring Over Age 65 ..............................................................................................................................7 Select Benefits................................................................................................................................................7 Retirement Plans ......................................................................................................................7 New York State Employees' Retirement System (NYSERS) ........................................................................7 Requesting Benefit Distributions ............................................................................................................7 Payment Options .....................................................................................................................................8 Optional Retirement Plan (ORP) ...................................................................................................................9 Payment Options .....................................................................................................................................9 Personal Appointments ............................................................................................................................9 Survivors' Benefit Program............................................................................................................................9 Tax Deferred Annuity (TDA) Plan ................................................................................................................9 Requesting Benefit Distributions ..........................................................................................................10 Payment Options ...................................................................................................................................10 Personal Appointments ..........................................................................................................................10 457(b) Deferred Compensation Plan ...........................................................................................................10 Social Security .............................................................................................................................................10 Life Insurance in Retirement .................................................................................................11 Basic Life Insurance .................................................................................................................................... 11 $3,000 Retiree Life Benefit ................................................................................................................... 11 Decreasing Retiree Life Benefit ............................................................................................................ 11 Group Universal Life Insurance (GUL)....................................................................................................... 11 Continued on next page Other Plans and Policies ........................................................................................................12 Personal Accident Insurance (PAI) Conversion ...........................................................................................12 Cornell Children's Tuition Scholarship (CCTS)..........................................................................................12 NY College Savings Plan.............................................................................................................................12 Faculty and Staff Assistance Program (FSAP) ............................................................................................12 Auto/Home/Pet Insurance ............................................................................................................................12 Long Term Care ...........................................................................................................................................12 Benefits No Longer Available .................................................................................................12 Other Retiree Benefits/Programs/Services ....................................................................12 Cornell Retirees Association (CRA) ............................................................................................................12 Encore Cornell .............................................................................................................................................13 Elder Care/Caregiving Services/Programs ..................................................................................................13 Cornell Association of Professors Emeriti (CAPE) .....................................................................................13 Other Opportunities to Connect ...................................................................................................................13 Identification Cards ......................................................................................................................................13 CFCU Community Credit Union .................................................................................................................13 Retiree Transit and Parking Privileges.........................................................................................................14 Taking Courses for Credit ............................................................................................................................14 Computer Access .........................................................................................................................................14 Libraries .......................................................................................................................................................14 Intercollegiate Athletics and Athletic Facilities ...........................................................................................14 Facilities and Events ...................................................................................................................................14 Cornell News ...............................................................................................................................................15 Statler Club ..................................................................................................................................................15 Cornell Club .................................................................................................................................................15 Cornell Club-New York ...............................................................................................................................15 Wellness Program for Health and Fitness ....................................................................................................15 For More Information .....................................................................................................16 Introduction Beneficiaries You should keep the listing of your beneficiaries Cornell offers a wide variety of benefits and for your life and personal accident insurances programs to contract college faculty and staff and retirement fund accounts up-to-date. This during their employment at the university. While information is highly confidential. Only you can some of these benefits will be discontinued upon check to see who is listed as your beneficiary retirement, others will continue throughout the and only you can change your beneficiary. Con- retirement years. tact CIGNA Group Insurance at (800) 231-1193 The information in this brochure has been pre- to check your life insurance and personal acci- pared for you, a contract college faculty or staff dent insurance beneficiaries. Contact the invest- member, to assist in your planning for retire- ment vendors to check your retirement plan ben- ment. It describes the benefits that are available eficiaries: TIAA-CREF (800) 842-2776; Fidelity to you when you retire and answers some of (800) 343-0860; ING (800) 677-4636; VALIC the questions you may have about your future (800) 448-2542; MetLife (800) 560-5001; NYS- relationship with Cornell. ERS (866) 805-0990. There is no mandatory age for retirement for Cornell faculty or staff. To receive certain Benefit Plans and Policies after benefits, however, you must be at least age 55 Retirement and have at least ten years of credited service at the university. An employee who meets the Health requirements to retire under any New York State early retirement incentive program adopted by Health Insurance Eligibility: Cornell and who elects to retire under this pro- Contract college employees must satisfy three gram will be considered a Cornell retiree. eligibility requirements in order to continue health insurance benefits as a retiree. Before You Retire 1. You must have had at least ten years of state service, or ten years combined service You need to notify your department in writing at with the state and one or more Participating least 21 days in advance of your anticipated re- Agencies. The Participating Agency must tirement date. You need to contact the Division have been a part of NYSHIP (New York of Human Resources at least 45 days ahead of State Health Insurance Program) at the time your retirement date. This advance notice allows of your employment. Cornell University is a your department time to adequately address participating Agency. succession planning. It's not easy to replace long-term employees! When you retire, your 2. You must be qualified for retirement as a department will process your retirement status, member of a retirement system administered including accrued vacation days and sick leave. by New York State. If you are not a member It is important that you confirm this information of a retirement system administered by New with your department. York State, you must satisfy one of the fol- lowing conditions: you must meet the Em- Unused Vacation and Sick Days ployee Retirement Systems tier age require- Staff will be reimbursed for unused vacation ment in effect at the time you last entered days, not to exceed 30 days. Sick leave will be state service or you must be qualified to turned into a credit against future premiums for receive Social Security disability payments. your contract college retiree health care plan, as described below. -3- 3. You must be enrolled in NYSHIP either as 4. Determine your monthly credit: Divide the an enrollee or a dependent at the time of total dollar value of your sick leave by your your retirement. life expectancy from the following table: Your health insurance continues in the same Hypothetical Example plan as an active faculty or staff member. This Faculty member retires at age 65. Salary at the is converted to a monthly figure and is further time of retirement is $60,000. reduced by unused sick leave credit. 1. Hours worked in a day: 40/5 = 8 Contract college employees who have not met the 10 years of service requirement to be eligible for 2. Determine Hourly Rate of Pay: NYSHIP as a contract college retiree may be eli- $60,000/2088 = $28.73 gible for the Endowed health plan in retirement. 3. Determine total dollar value of sick leave: In order to be eligible for the Endowed health $28.73 x 1320 hours = $37,923.60 insurance plan as a Cornell retiree, you must 4. Determine your monthly credit: have worked in a benefits eligible position at the $37,923.60/192 = $197.51 University for at least 10 years and be age 55 or 5. Monthly credit amount will be deducted older. In other words, any combination of benefits from the amount that you owe for health eligible service in an endowed unit, a contract insurance, if any. college unit or a unit of the Weill Cornell Medical Approximately three months after your retire- College may fulfill the 10 year service require- ment date, the New York State Department of ment in the Endowed health plan. You may be Civil Service will send you a letter verifying required to show proof of a denial of eligibility the amount of the credit. It will also confirm the from the NYS Department of Civil Service. amount of health insurance owed, if any. Sick Leave Conversion Program Dual Annuitant Sick Leave Contract college faculty and staff receive credit The Dual Annuitant Sick Leave Credit allows for unused sick leave when they retire. A maxi- you to specify that you want your dependent mum of 200 days can be used. This program al- survivors to be able to use your monthly sick lows eligible contract college retirees to convert leave credit toward their NYSHIP premium unused sick leave into a dollar credit. if you die. If you want this option, you must Estimate of Sick Leave Credit choose it before your last day on the payroll. 1. Determine hours worked in a day: Divide If you choose the Dual Annuitant Sick Leave the number of hours in a workweek by 5. Credit, you will use 70% of your sick leave 2. Determine HRP (Hourly Rate of Pay): credit towards your premium for as long as you Divide your annual salary at the time of live. Your eligible dependents who outlive you retirement by one of the following: 2088 for may continue to use 70% of the monthly credit jobs that are 8 hours a day; 2035.8 for jobs for their NYSHIP premium. Please refer to the that are 7.8 hours a day; 1957 for jobs that previous example. If the Dual Annuitant Credit are 7 1/2 hours a day; 1827 for jobs that are was selected prior to retirement, the amount of 7 hours a day; and 1044 for jobs that are 4 the sick leave credit would be $138.26 (70% of hours a day. $197.51). 3. Determine the total dollar value of your sick If you do not indicate a choice before your leave: Multiply your hourly rate of pay by retirement, all of your sick leave credit (up to a the number of sick leave hours you have ac- maximum of 200 days) will be applied to your cumulated up to a maximum of 1600 hours premium automatically. No sick leave credit will (200 days @ 8 hours per day). be applied to your dependent survivors' cover- -4- Age in Retirement 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 Life Expectancy 308 301 293 286 279 271 264 256 248 240 232 224 216 208 200 (in months) Age in Retirement 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 Life Expectancy 192 184 176 169 161 154 147 140 133 126 119 113 106 100 94 (in months) age. (The credit cannot be applied toward a apply for Medicare when eligible, your benefits COBRA premium or conversion contract.) Once in the Empire Plan or your HMO will be drasti- a choice has been made, it cannot be changed. cally reduced. Retiring Under Age 65 The New York State Department of Civil Service If you are under age 65 when you retire, your automatically reimburses you the Medicare Part B health insurance continues in the same plan, premium at age 65. However, if you become eli- either with the Empire Plan or with an HMO gible for primary Medicare coverage before your that services the area in which you live. If your 65th birthday, or your enrolled dependent becomes dependent spouse/domestic partner is age 65 eligible for primary Medicare coverage before his/ or turns 65 after your retirement, he/she should her 65th birthday due to disability, you must notify contact Social Security Administration to enroll the New York State Department of Civil Service in Medicare Parts A and B. Employee Benefits Division in writing. Be sure to include a copy of the Medicare identification card Retiring At Age 65 along with your name and identification number If you or your dependent spouse/domestic on the photocopy. partner is age 65 or over at the time of your It is important that you enroll in Medicare Parts retirement, or turn age 65 after your retirement, A and B three months prior to eligibility to be sure to contact the Social Security Admin- insure that you continue to receive complete istration three months prior to let them know health insurance under NYSHIP. Medicare will that you are retiring. They will assist you and/ become your primary insurer and NYSHIP your or your spouse in enrolling in Medicare Parts A secondary insurer. Medical claims are filed first and B. Medicare Part A is at no cost, but Medi- with Medicare and then with NYSHIP. care Part B does require a premium, and higher income beneficiaries will pay more. Retirees If you are retired and you or your covered eligible to continue health insurance in retire- dependent will turn age 65 soon, you should ment also receive a great financial benefit to contact the Social Security Administration to offset the cost of Medicare Part B. The state will register for Medicare. You can reach the Social reimburse you an amount equal to the usual cost Security office by calling (800) 772-1213, or of Medicare Part B coverage when Medicare use their local number in the Ithaca area, (866) becomes your primary coverage unless you are 706-8289. receiving reimbursement from another source. If you have family coverage, you will also be Retiring After Age 65 reimbursed for your Medicare-eligible depen- If you are age 65 or over and retire, you need to dents. If you or your eligible dependents do not contact the Social Security Administration Of- -5- fice three months prior to your retirement date If you choose to enroll in Medicare Part D, your to inform them that you are retiring, as Medi- prescription drug benefits under NYSHIP may care will become your primary payor for health be reduced. insurance. Although most NYSHIP enrollees SHOULD If you and/or your covered spouse/domestic NOT enroll in Medicare Part D, you should con- partner are eligible for Medicare coverage due sider enrolling in Medicare Part D if: to age, the state will automatically reimburse you the usual cost of Medicare Part B coverage • You are eligible for the Medicare Part D after you retire. Higher income beneficiaries Low Income Subsidy; or will be reimbursed the usual cost of the Part B • You choose to enroll in a NYSHIP Medicare premium. Advantage Plan. If you have questions about eligibility for the Medicare Part D—Prescription Drug Low Income Subsidy, call Social Security at Coverage (800) 772-1213 or visit <www.socialsecurity. Starting January 1, 2006, everyone with Medi- gov>. If you have questions about Medicare care was eligible for Medicare Part D prescrip- benefits, call Medicare at 800-633-4227 or visit tion drug coverage. The New York State Health <www.medicare.gov>. Insurance Plan (NYSHIP) provides your pre- scription drug coverage through The Empire All Retirees, Regardless of Age Plan or a NYSHIP health maintenance organiza- If you receive your retirement benefit from the tion (HMO). New York State Employees' Retirement System (NYSERS), your remaining premium, if any, will The new Medicare law requires NYSHIP to be deducted from your retirement check, once provide an independent, actuarial certification New York State completes the final calculation of the health plan's prescription drug coverage. of your retirement benefit. Until then, you will be The point of this requirement is to assure partic- billed monthly by the New York State Department ipants that their NYSHIP coverage is at least the of Civil Service for any premium due. If you are equivalent of the new Medicare Part D offering. receiving your retirement benefit from the Op- NYSHIP has passed the comparison test and tional Retirement Plan through TIAA-CREF, or will be sending Notices of Creditable Coverage you are receiving your retirement benefit from the annually to members. Federal Retirement System, you will be billed on As a NYSHIP enrollee or covered dependent a monthly basis from the New York State Depart- eligible for Medicare in 2011, you will con- ment of Civil Service Employee Benefits Division tinue to be able to receive the full prescription for any premium due. drug benefits available under The Empire Plan As a retiree, you are able to make changes to or a NYSHIP HMO. In addition, there will be your health insurance option at any time, but no change in your NYSHIP drug benefits just only one change is allowed in a 12-month pe- because of your (or your dependent's) eligibil- riod. You can make these and other health insur- ity for Medicare. You are not required to enroll ance changes by contacting the New York State in Medicare Part D and we have been advised Department of Civil Service Employee Benefits by the New York State Health Insurance Plan to Division. A waiting period may apply to certain advise members not to enroll. Finally, the State changes. To make any changes regarding your will not reimburse you for your Medicare Part D health insurance coverage, call the New York premium if you choose to enroll. State Department of Civil Service Employee Benefits Division at (800) 833-4344. -6- If you are receiving a retirement check from If you elect to continue coverage under CO- NYSERS, the Medicare Part B premium refund BRA, and do so for the full 36-month period, will be added to this check and will be reflected you will again receive a GHI Retiree Dental as a Medicare credit on your retirement check Plan application at the end of the 36-month stub. period. If you are making direct payments to the Em- Retiring Over Age 65 ployee Benefits Division, the reimbursement for If at the time of retirement, you are over the the Medicare Part B premium for you and your age of 65, you will be eligible to continue your dependents enrolled in Medicare will be applied dental insurance through COBRA for the full to reduce your monthly premium payments. Any 36-month period. excess will be refunded to you on a quarterly basis. Select Benefits Dental Insurance If you retire and there is a balance left in your medical care reimbursement account, you can Retiring Under Age 65 continue to receive reimbursement of medical Preferred Dental Insurance with GHI terminates expenses incurred prior to your date of termina- 28 days past the last day of the biweekly pay tion. Federal regulations permit you to continue period in which you work. You will receive a to receive reimbursement of medical expenses COBRA (Consolidated Omnibus Budget Rec- incurred after your date of termination only if onciliation Act) continuation of coverage notice you continue to participate in Select Benefits from the New York State Department of Civil by making after-tax contributions during the Service Employee Benefits Division. Under CO- remainder of the same calendar year of your BRA you may continue the same dental cover- retirement. You can continue your coverage by age you had as an active employee on a month- enrolling in COBRA administered by Aetna. to-month basis for up to 36 months. You will Aetna will send you COBRA materials. remit your payments for the coverage directly to the New York State Department of Civil Service You can continue to remit dependent care ex- Employee Benefits Division. If you are under 65 penses incurred during the plan year against any and continue dental insurance through COBRA, unused balance until the funds in your account and you turn 65 before the 36-month continua- are exhausted or the plan year ends, whichever tion period is completed, your COBRA cover- comes first. age will terminate when your Medicare benefits All claims must be received by the administrator start. Once you are eligible for Medicare, you within the time frame for claims submission for will only be able to continue dental benefits that year, which is generally April 30 following the through the GHI Retiree Dental Plan. calendar year of participation. Contact Benefit Ser- vices at (607) 255-3936 for additional information. You will also receive a conversion notice from GHI offering dental coverage with the GHI Re- tiree Dental Plan. Be sure to review this infor- Retirement Plans mation carefully as the level of benefits through this plan is not the same as the benefits through New York State Employees' Retirement System the GHI Preferred Dental Plan. If you wish to (NYSERS) enroll in the GHI Retiree Dental Plan, you will You are eligible for a service retirement benefit need to complete the application and remit pay- from your NYSERS plan if you have reached ments directly to GHI. age 55 and have five or more years of credited member service as a Tier 1, 2, 3, or 4 member, or if you have ten or more years of credited -7- member service as a Tier 5 member, and your For Tiers 1 and 2 only: Benefit cannot exceed contract college employment has terminated or 75% of FAS (once your years of service reach you have retired. Other policies may be in effect 37 ½ years). Benefit Enhancement (Article 19) for state-sponsored early retirement incentives. provides one month of additional service credit If you begin distributions from NYSERS and re- for each year of credited service, up to a maxi- turn to a contract college or state position, there mum of 24 months. This is a permanent benefit are limits to the amount you can earn. If you addition. Age reductions still apply. Years of exceed the limits without approval, your retire- Service Cap is lifted to 79%. Full benefits are ment distributions will be affected. available at age 55 for Tier I members with 20 years of credited service. Requesting Benefit Distributions You can obtain an Application for Service Re- Benefit Formula with 20 or more years of ser- tirement Form from Benefit Services at Cornell vice for Tiers 3, 4, and 5: University at 130 Day Hall, the Retirement Sys- 2% * Final Average Salary * Years of Ser- tem's office in Albany, from one of NYSERS' vice up to 30 years, plus information representatives at sites throughout 1.5% * Final Average Salary * Years of Ser- New York State, or at their web site: <www. vice greater than 30 years = osc.state.ny.us/retire>. Applications MUST be on file with the Comptroller at least 30 days, Pension paid at retirement (less any age but not more than 90 days, before the date on reductions) which your retirement will occur. Any document mailed to the Retirement System by "Certified For Tiers 2, 3, 4, and 5 only: Full benefits are Mail-Return Receipt Requested" and received available at age 62, with 20 years of credited by the Retirement System will be deemed filed service and reduced benefits are available for on the date of mailing. You can not be paid the ages prior to 62, but at least age 55 for Tiers day you retire. Your last day on payroll must be 2, 3, and 4. Retirees with less than 30 years of the day before your retirement date. service will have their benefits reduced by 6% for each of the first 2 years prior to age 62, then Benefit Formula reduced 3% for each year prior to age 60. Tier NYSERS benefits are based upon your Final Av- 5 members will have their benefits reduced by a erage Salary (FAS) and Years of Service (YOS). schedule that has increased reductions based on Final Average Salary: Best (highest) consecu- early retirement age. This reduction is prorated tive 36 months of salary averaged together. for partial years of service. Years of Service: Full time years as a member of NYSERS. Payment Options At retirement, you must decide how you want Benefit Formula with less than 20 years of ser- your retirement allowance paid. All of the options vice for all Tiers: provide you with a monthly benefit payable for 1.66% * Final Average Salary * Years of your lifetime. Many payment options are available Service = Pension paid at retirement (less to you. You should study these options thoroughly any age reductions) before finalizing your retirement plans. You will receive a list of options after you request an esti- Benefit Formula with 20 or more years of ser- mate from NYSERS or after you submit the retire- vice for Tiers 1 and 2: ment application to the Comptroller. A list of these 2% * Final Average Salary * Years of Ser- options is also available from Benefit Services. vice = Pension paid at retirement (less any These payment options include: age reductions) -8- • Single Life Annuity You should contact your investment vendor to • Survivor Annuity obtain and submit the proper Retirement Distri- bution forms. • Periods Certain • Pop Up Allowance TIAA-CREF (800) 842-2776 • Cash Refund ING (800) 677-4636 VALIC (800) 448-2542 It will take several months before a final calcu- Met Life (800) 560-5001 lation of your benefit amount can be completed. You will receive a partial amount of your esti- Payment Options mated benefit until the final calculation is com- plete and it will take two or three months before Many payment options are available to you. you will receive the partial check. Once the final You should study these options carefully and calculation is completed, you will receive an discuss them with a vendor representative prior arrears payment. to retirement. Tax issues may be complex. You should consult with a professional tax advisor to You can have your monthly benefit directly discuss the complexities of the payment options deposited into your account. It may take several and their effect on your personal tax situation. months after the final calculation is completed These payment options include (may not apply before direct deposit is implemented. to all funds): Remember that payment options are varied and • Single Life Annuity may need to be discussed with a professional • Survivor Annuity who understands the complexities of income tax • Guaranteed Period law. Distributions from NYSERS will be subject • Systematic Withdrawal to Federal Income Tax. Distributions will NOT • Interest Only Option be subject to New York State Income Tax as • Cash Withdrawal long as you remain a New York State resident. • Transfer Payout Annuity • Minimum Distribution at age 70 ½ For more information, contact Benefit Services Personal Appointments at (607) 255-3936 or the Retirement System in Albany at their Information Call Center at (866) Representatives from TIAA-CREF, ING, 805-0990, or visit their Web site at <www.osc. MetLife, and VALIC are on campus regularly to state.ny.us/retire>. provide you individual retirement counseling. You should use this Benefit Services sponsored Optional Retirement Plan (ORP) opportunity. Involving your spouse or partner Under the SUNY ORP Plan, you may take cash is highly encouraged. Contact the investment withdrawals if you are terminated from statu- vendor directly to set up an appointment: TIAA- tory service or are receiving benefits under the CREF (800) 732-8353; ING (888) 883-6320; Cornell Long Term Disability program. Other VALIC (800) 892-5558, ext. 88174 ; MetLife policies may be in effect for state-sponsored (315) 521-1830, (607) 273-7341 or (800) 492- early retirement incentives. You may postpone 3553, ext. 28196. retirement income until you attain age 70 ½ un- Survivors' Benefit Program less still actively at work. If you begin distribu- tions from ORP and return to a contract college To be eligible to receive this benefit, the effec- position, there are limits to the amount you can tive date of retirement for an employee who is earn. If you exceed the limits without approval, a member of the New York State Employees' your retirement distributions will be affected. Retirement System (NYSERS) shall be the day following the last day on which the employee is on payroll, provided the employee receives -9- the retirement allowance immediately following Payment Options the last day on payroll. To be eligible for this Many payment options are available to you. You benefit, the effective date of retirement for an should study these options thoroughly before employee who is a member of the Optional Re- finalizing your retirement plans. These payment tirement Program (ORP), administered through options include (may not apply to all funds): TIAA-CREF, shall be the day following the last day on which the employee is on payroll, • Single Life Annuity provided that the employee receives such retire- • Survivor Annuity ment allowance within 90 days from the retire- • Guaranteed Period ment date. • Systematic Withdrawal • Interest Only Option You will be eligible to have a Survivors' Benefit • Cash Withdrawal of $3,000 paid on your behalf if: • Transfer Payout Annuity • Minimum Distribution at age 70 ½ 1. while in state service, you either retire from NYSERS, or retire from ORP after age 55; Both TIAA-CREF and Fidelity have materials that and describe these payment options in detail. Contact 2. you had at least ten years of full-time State the investment vendors directly to obtain materials service within the 15 years immediately on these payment options: TIAA-CREF at (800) prior to retiring from state service. State 842-2776 or Fidelity at (800) 343-0860. service includes only employment for which contract college salary is paid. Direct Deposit: Your retirement benefits can be directly deposited into your personal account. Tax Deferred Annuity (TDA) Plan Arrangements for direct deposit should be made You are eligible to begin benefit distributions with the investment vendors. from your TDA Plan retirement account if your employment with the university has terminated or Remember that payment options are varied and you have retired. You may also begin distributions may need to be discussed with a professional from your TDA Plan account while you are still who understands the complexities of income actively working if you have attained age 59 ½ or tax law. Cash distributions will be taxable as you are receiving benefits under Cornell's Long ordinary income. Term Disability program. Once retired, you may Personal Appointments delay receiving the benefits from this Plan until you attain age 70 ½. Representatives from both TIAA-CREF and Fidelity are on campus regularly to provide Requesting Benefit Distributions individualized counseling. They can assist you You should contact the investment vendors to in determining which payment option may best obtain and submit the proper distribution forms: meet your needs for retirement. You should TIAA-CREF at (800) 842-2776 or Fidelity at contact the investment vendors directly to set up (800) 343-0860. a personal appointment: TIAA-CREF at (800) 732-8353 or Fidelity at (800) 642-7131. Contributions made to this Plan during your employment are fully and immediately vested, 457(b) Deferred Compensation Plan which means that you are the sole owner of You elect benefit distributions from your 457(b) the funds in your account. You decide how you Plan account within 60 days after your employ- want to receive these funds during your retire- ment with the university has terminated or you ment years to best meet your needs. have retired. Many payment options are avail- able under this plan. You should contact TIAA- CREF at (800) 842-2776 for information on - 10 - these payment options and to obtain the proper partment of Civil Service, the New York State distribution forms. Employees' Retirement System, and the Federal Civil Service Retirement System. Representatives from TIAA-CREF are on cam- pus regularly to provide individualized counsel- Employees who retire from the university with ing. They can assist you in determining which a $3,000 benefit have the option to convert the payment options may best meet your needs for difference between their Basic Life Insurance retirement. You should contact TIAA-CREF di- amount and $3,000. rectly to set up a personal appointment at (800) 732-8353. Decreasing Retiree Life Benefit If on January 1, 1980, you were age 50 or older, Social Security employed at Cornell, and continued to work You may also be eligible to start receiving Social here until your retirement, you will receive Security retirement benefits as early as the first decreasing life insurance coverage after retire- full month that you are age 62. To find out if ment. The amount of your life insurance cover- you're eligible and how much you can receive, age for the first year after your retirement date contact the Social Security Administration at will be equal to your budgeted annual salary, (800) 772-1213, (866) 706-8289, or on-line at rounded to the next highest thousand. On each <www.ssa.gov>. If you are retiring before the January 1, coinciding with or immediately Social Security full retirement age, there may be following the next four anniversaries of your reduced benefits from Social Security. retirement date, your insurance amount will be reduced by 20 percent of the original amount of Social Security will be able to answer any ques- retirement coverage, until it reaches 20 percent tions you might have concerning eligibility, of the initial amount, or $3,000, whichever is restrictions, registration, payments, etc. greater. It is at this time (January 1) that you may convert the amount that you are losing Life Insurance in Retirement through the 20 percent reduction. You have 31 days to do this without medical underwriting. Life insurance is available to contract college faculty and staff who are at least age 55 and For example, if your salary at retirement is have at least ten years of service with the uni- $30,000, your coverage will be reduced by versity, provided you meet the requirements $6,000 per year as follows: described below. This coverage is provided as Retirement Year Life Insurance Coverage part of your basic life insurance. 1 $30,000 Basic Life Insurance 2 $24,000 $3,000 Retiree Life Benefit 3 $18,000 If you were younger than age 50 on January 1, 4 $12,000 1980, or if your coverage through the Group 5 and after $6,000 Life Insurance Plan began after January 1, 1980, Employees who retire from the university with a and you have had at least ten years of service, Decreasing Life Benefit do not have the conver- you will receive a $3,000 life insurance policy, sion option for the Basic Life Insurance during currently provided at no cost. the first year of retirement. Under this benefit, For contract college employees, the $3,000 employees have coverage in the amount of full amount will be reduced by the amount of any salary or the first year of their retirement (basic death benefits payable under the Survivors' life insurance coverage is half of the annual sal- Benefit Program of the State of New York De- ary amount). - 11 - Employees interested in information about con- Cornell Children's Tuition Scholarship (CCTS) verting their Basic Life Insurance should contact Individuals who retire at age 55 or older, or at CIGNA HealthCare at (800) 423-1282. age 50-54 through a state retirement incentive program, with ten or more years of service, Group Universal Life (GUL) Insurance retain the same CCTS privileges they had as As a retiree, you may continue the full amount of active faculty or staff members. The level of your Group Universal Life Insurance coverage. CCTS benefits available to your children is This coverage may be maintained either by con- determined by the date you were hired as an tinuing to pay premiums directly to CIGNA Group active employee. Although children of eligible Insurance or by having your premiums paid out of employees have no age limitation, marital status the Cash Accumulation Fund, if your balance is limitation, or dependency limitation, the benefit adequate. The cash value that is not being used to paid may be considered a taxable fringe benefit fund your insurance coverage can be withdrawn to to the employee. Call Benefit Services at (607) supplement your retirement income. 255-3936 for more information. You may also want to consider using the money NY College Savings Plan in your Cash Accumulation Fund to "pre-fund" or prepay your retirement life insurance. When Retirees who contribute through payroll deduc- you retire, you can use all or some of the money tion should contact UPromise at 1-877-697- in the fund to purchase a specified amount of 2837 in order to set up a schedule for future paid-up insurance. By purchasing paid-up insur- contributions. ance, you will not need to make any additional Faculty and Staff Assistance Program (FSAP) payments to keep the policy in force. As a retiree, you and your dependents continue For more information regarding your options to remain eligible to receive free assessment, at retirement with your Group Universal Life counseling and referral under the FSAP. Con- Insurance plan, please call CIGNA Group Insur- tact the Faculty and Staff Assistance Program ance at (800) 231-1193. at (800) 364-4748 or <firstname.lastname@example.com>. Licensed counselors are available 24 hours a Other Plans and Policies day, 7 days a week. Appointments are available with counselors nationwide. Personal Accident Insurance (PAI) Conversion As a participant in the PAI plan, you and your Auto/Home/Pet Insurance eligible dependents may convert your insurance You may continue your automobile, hom- coverage to an individual policy if you are under eowner's/rental, and pet insurance by being age 70. A medical examination is not required billed directly. You will need to contact Marsh to obtain an individual conversion policy. You Voluntary Benefits at (800) 553-4861 for more have 31 days after your retirement date to com- information. plete an application for an individual policy. You will be billed by CIGNA for the premiums. For Long Term Care more information, please call CIGNA Group CNA provides a Long Term Care policy for Insurance at (800) 231-1193. Cornell staff and family members and retirees. A retiree can enroll at any time subject to proof Coverage cannot exceed the amount purchased of medical insurability. To get more information under your current PAI group plan, and cannot about this policy, or if you are enrolled and need be less than $25,000 or more than $150,000. to arrange for direct billing, contact CNA at Contact Benefit Services at (607) 255-3936 to (866) 234-9031. obtain a PAI conversion application. - 12 - Benefits No Longer Available groups on campus, in the local community, and nationwide to help identify resources and op- Certain benefits you enjoyed as a Cornell fac- portunities for retiree programs and services. ulty and staff member were directly related to Encore Cornell has four components: your employment. When you retire, you will • Encore Hire: linking retirees with remote no longer be eligible for those benefits through and local short-/fixed-term employment Cornell. Those benefits include Workers' Com- opportunities at Cornell that are generally pensation, Short Term Disability, Long Term envisioned to last no more than a few weeks. Disability, Select Benefits (except as previously noted), Tuition Aid or the Employee Degree • Encore Volunteer: connecting retirees, Program, and Business Travel Insurance. How- throughout the nation, with their surround- ever, if you retire while you are receiving long ing communities through a variety of volun- term disability benefits, you should call Ben- teer opportunities run through Cornell and efit Services at (607) 255-3936 to review your local not-for-profit agencies. change of status. • Encore On-Call: providing a voluntary op- portunity for retirees to share their expertise, upon request, with members of the Cornell Other Retiree Benefits/ community. Programs/Services • Encore and More: providing retirees with web-based information on resources, class- Cornell Retirees Association (CRA) es, and events to help support their continu- All Cornell staff and faculty automatically ous personal growth and development. become members of the Cornell Retirees As- For information about Encore Cornell, please call sociation (CRA) upon retirement. Membership (607) 255-3976 or e-mail <firstname.lastname@example.com>, is voluntary and there are no dues. Retirees and or <hr.cornell.edu/retirees/encore.html>. their spouses/partners are encouraged to partici- pate in activities. Elder Care/Caregiving Services/Programs CRA offers retirees volunteer opportunities such • Dependent Care Resource and Referral as Cornell Retirees Volunteering in Schools For those with adult caregiving concerns, (CRVIS) and the Cornell Jack Lewis Visitors Cornell's Dependent Care Consultant can Program (in area nursing homes), annual social assist with locating adult/elder care resourc- events including luncheons and a barbecue, es in the community as well as help caregiv- and provides a liaison with the university on ers who are providing care from a distance. important retiree issues. For more information, The consultant can help caregivers define contact the CRA desk in 101 Day Hall or call their personal and older adult concerns while (607) 255-0388. To be added to an e-mail list also outlining options to help caregivers to receive a newsletter and notices of upcoming deal with current needs and prepare for the events, please send e-mail to <CornellRetirees@ future. cornell.edu>. • Caregiver Support and Education Net- work If you are providing care for an adult Encore Cornell family member, spouse, or friend, you are Cornell University is committed to expanding invited to attend monthly meetings of the its connection with retirees, both locally and Caregiver Support & Education Network. nationally, through the Encore Cornell program. Facilitators will share strategies, tools, and The goal of this retiree initiative is to increase resources for coping with stress, caregiver Cornell's responsiveness to the diverse range of guilt, and burnout as well as information on retiree needs, including partnering with other local/ national resources. Meetings include - 13 - general discussion and sharing as well as oc- Other Opportunities to Connect casional guest speakers. On-campus events and one-day motorcoach • Cornell Elder/Caregiver E-News Listserv trips provide retirees and their spouses/partners members receive a monthly E-Newsletter continued connection with the Cornell com- which provides information on elder care/ munity. Retirees are encouraged to get involved caregiver workshops, activities/ events and in committees and volunteer at events. To hear campus/community resources as well as rel- about upcoming events and trips as they are evant announcements throughout the month. announced, ask to be added to the events/trips • Workshops/Speakers There are additional email list by contacting the Employee Outreach elder care/caregiving related workshops and Desk at 130 Day Hall, (607) 255-7565. seminars held each semester on campus. Identification Cards For information on any or all of these programs and services please call (607) 255-3976 or visit: Retirees need to obtain an identification card http://hr.cornell.edu/life/support/adult_caregiv- from the University Registrar at B7 Day Hall on ing.html or after your retirement date. No appointment is necessary. For information, call (607) 255-4232. Cornell Association of Professors Emeriti (CAPE) CFCU Community Credit Union The Cornell Association of Professors Emeriti provides professional and social community If you are a member when you retire, you can among those who share the experience of being remain a member of the CFCU Community Cornellians. In addition to those granted the Credit Union with the same privileges as an ac- title professor emeritus, membership is open tive employee. For more information, call (607) to retired librarians, extension associates, other 257-8500. members of Cornell's professional teaching, Retiree Transit and Parking Privileges research, advising, and administrative staffs as Call Cornell Commuter and Parking Services at well. The Executive Council meets monthly dur- (607) 255-PARK (607-255-4600) for informa- ing the academic year to discuss the varied is- tion on transit and parking privileges for sues related to the Emeriti. Committees, such as retirees. the University Benefits Committee, University Faculty Senate, and Statler Board, are repre- Taking Courses for Credit sented by CAPE Executive Council members. Retirees are eligible to enroll in up to six credit A subset of emeriti benefits is published and hours per semester at no charge. You may enroll updated in a brochure entitled, "Perquisites and through Continuing Education and Summer Ses- Privileges" and is available through the CAPE sions in B-20 Day Hall, (607) 255-4987, with office or by going to the CAPE Web site. the permission of the course instructor, or course CAPE offers a quarterly newsletter, computer department and a representative of Benefit Ser- workshops, related emeriti projects, and volun- vices. This office can answer any of your ques- teer opportunities. During the academic year, tions about taking classes for credit. CAPE hosts a monthly lecture series, computer Cornell's Adult University offers fabulous on- workshops, and a monthly roundtable, to name a campus non-credit summer seminars and work- few. For more information contact CAPE at 431 shops, travel programs in the U.S. and abroad, Day Hall, (607) 255-6608, <email@example.com> and on-line educational programs for Cornell and <www.emeritus.cornell.edu>. alumni, friends, and families. For information on all CAU programs, call (607) 255-6260, e- mail <email@example.com>, or visit the CAU Web site at <www.sce.cornell.edu/cau>. To - 14 - register for CyberTower, log on to <http://cyber- Helen Newman Hall Bowling Center: Cornell tower.cornell.edu>. retirees receive a discount on open bowling rates, and the opportunity to join other retirees For Cornell Plantations adult education, vol- for regular bowling. For more information, call unteer programs, classes, and workshops, call (607) 255-4200. (607) 254-7430 or go to <www.cornellplanta- tions.org>. Facilities and Events Willard Straight Hall, Appel Commons, Noyes Computer Access and Robert Purcell Community Centers: Re- For information on computer access, or NetIDs, tirees are welcome to use general facilities and call the CIT Contact Center at (607) 255-8990 programs free of charge, except for some spe- or <firstname.lastname@example.com>. cialized services which require a membership. Libraries Concert tickets or season tickets can be pur- As a Cornell retiree you are entitled to full chased on-line at <www.cornellconcertseries. Cornell University Library privileges. Your com> or call, Cornell Concert Series, (607) 255- retiree I.D. is your library card. Notices from 5144 for subscriptions or group sales, or (607) the library will be sent by e-mail to your Cornell 273-4497 and (800) 284-8422 for single tickets. NetID unless you make other arrangements with the library. You can do this at the Public The Music Department sponsors many perfor- Services Office, 116 Olin Library, by e-mail: mances by individuals, ensembles, and chamber <email@example.com>, or by phone groups, as well as faculty and student recitals, (607) 255-5069. performances by visiting groups, and various choral organizations on campus. Contact the Intercollegiate Athletics and Athletic Facilities Music Department at (607) 255-4097 or <www. Retirees with 25 years of service or emeritus music.cornell.edu> for more information. professors are offered two tickets to all athletic The Department of Theatre, Film and Dance contests except Men's Ice Hockey and post- presents plays throughout the year, which often season contests. All other retirees with 10 to 24 include guest artists as well as students, faculty, years of service to the university continue to be and staff. For audition information, season and eligible for the same privileges they enjoyed individual tickets, contact the University The- when they were employed. All tickets can be atre Box Office, (607) 254-2700 or <theatre@ obtained at the Athletic Ticket Office, Bartels cornell.edu>. More information can be found at Hall, by appearing in person and showing a re- <theatrefilmdance.cornell.edu>. Senior citizen tiree I.D. card. All retirees could be eligible for tickets may be available. certain other discounted senior citizen tickets. Cornell Cinema offers close to 300 different Contact the Ticket Office at (607) 255-4247 for films/videos each year. Except for special offer- more information. Athletic facilities that con- ings, tickets for senior citizens are discounted. tinue to be available to all retirees are: Contact the box offices, 104 and 106 Willard Lynah Rink: Call (607) 255-3793 for more Straight Hall, (607) 255-3522. More informa- information. tion can be found at <cinema.cornell.edu>. Robert Trent Jones Golf Course: For more Cornell News information, call (607) 254-6531. Many Cornell sources help retirees keep in touch with university news, events, and activi- Reis Tennis Facility: For more information, call ties. Pawprint is published regularly and avail- (607) 272-0037 or online at <www.reistennis- able at a variety of campus locations and on center.com>. - 15 - line. The Cornell Chronicle is available online Wellness membership: Includes access to all but you can also subscribe to their weekly or fitness centers, pools, and group exercise classes monthly enews posting. Ezra magazine is pub- such as aerobics, water aerobics, tai chi, and lished quarterly and available on online. yoga. The Cornell Fitness Centers have five fit- ness center facilities on the campus, each with Here are some useful links: state-of-the-art equipment, and offer over 60 • Retiree newsletters <http://hr.cornell.edu/ different group exercise classes each week. retirees/cra_newsletters.html> Members may schedule individual sessions, • Cornell Chronicle <http://www.news. including fitness consultations, fitness testing, cornell.edu> and nutrition counseling. Fee: $175 per year • Pawprint: <http://www.pawprint.cornell. per member. (Emeritus professors: contact the edu> Wellness Program directly for additional infor- mation.) • Ezra magazine: <http://ezramagazine.cornell. edu> This membership also includes participat- • University Events Calendar: <http://cornell. ing in the classes for healthy aging: you and edu/events> your spouse or same-sex partner are eligible. • CUinfo: <http://cuinfo.cornell.edu> All classes work on improving flexibility, core strength, and balance and are held in Helen Cornell Club Newman Hall weekday mornings. Retired faculty and staff interested in maintain- ing contact with the university should write to For more information, contact the Wellness Pro- the Alumni Office, 626 Thurston Avenue, Ithaca, gram office at (607) 255-3886 or visit <http:// New York 14850, or call (607) 255-2390. The wellness.cornell.edu>. office will be pleased to provide the name, ad- Outreach for non-members: The Wellness Program dress and telephone number of the current presi- offers classes, lectures, and events free of charge dent of the Cornell Club in the area in which the to the Cornell community. Updated schedules are retired employee is living. available at <http://wellness.cornell.edu>. Cornell Club–New York Retired Cornell faculty and staff members are For More Information eligible to join The Cornell Club in New York City at a discounted membership rate, in addi- More detailed information concerning any of tion to the waived initiation fee. Annual mem- the topics in this brochure can be obtained by bership dues are listed at <www.cornellclubnyc. contacting Benefit Services, Division of Human com> and dues may be paid either quarterly or Resources, 130 Day Hall, (607) 255-3936, or annually. For more information, please contact e-mail: <firstname.lastname@example.com>. Visit the Web Lara Chrisomalis '02, director of marketing site: <www.hr.cornell.edu>. and membership, at (212) 692-1386 or e-mail While every attempt has been made to ensure <email@example.com>. the accuracy of this document, the legal docu- Wellness Program for Health and Fitness ments, policies, or certificates pertaining to the various benefits prevail in the event of any dis- The Cornell University Wellness Program crepancy. This booklet does not constitute a le- provides retired Cornell employees and their gal document. The policies summarized here are spouses/partners with diverse opportunities that subject to change. The language is not intended foster joy, balance, and well-being. to create a contract between the university and its retired faculty and staff. - 16 - The university reserves the right to amend, mod- ify, or withdraw in its sole discretion any provi- sion contained herein. Neither this document, nor any of its terms or provisions, constitute a contractual obligation by the university. Policies and benefits for members of collective bargain- ing units may differ from those described herein. If you belong to a collective bargaining unit, re- fer to the terms and conditions of your contract for more information. - 17 - Division of Human Resources Benefit Services 130 Day Hall Ithaca, NY 14853 (607) 255-3936 Web: www.hr.cornell.edu E-mail: firstname.lastname@example.com Cornell University is an equal opportunity, affirmative action educator and employer. 110209 1.11


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MONTREAL ACTIVE DOGS Overview
Hours: (see site schedule)The MONTREAL ACTIVE DOGS GROUP is for all DOG LOVERS - NO MATTER WHAT BREED, SIZE, AGE or SEX - NO MATTER WHERE YOU LIVE (on or anywhere within the vicinity of the Island of Montreal) Our purpose is to meet socially in different venues around town, to provide our dogs, & ourselves, with the opportunity to make new friends, exchange information on topics related to dogs and especially..... HAVE FUN WITH OUR 4-LEGGED FRIENDS !!! We gather with all pet lovers and all those who would like tips on health, training, grooming and much more for their pooches!
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subset: commoncrawl


text:
"To eat out of house and home (6)" the clue read. The answer, which I only got because I already had the first letter, was "picnic".
As I've already confessed more than once on these pages, I'm a great man for the picnics as well, and I was trying to figure out , all the time I was in Ramelton, why I kept thinking of picnics.
Now I'm not talking about terribly refined picnics with wicker baskets and tartan blankets and chilled bottles of Chablis - the kind of spread that Anita Robinson used to get Trevor to pack for the annual debating society outing years ago when they wore matching Guardian tracksuits and carried a huge floral parasol - I'm talking about standing at the open boot of a car with a cheese roll, a flask of lukewarm tea and a polystyrene cup.
The contents of your picnic don't really matter. It's the idea of eating "out of house and home" that matters, whether that be at the seaside, under a tree or sitting on a stone wall being gazed at by envious sheep. I suppose it's some kind of hunter-gatherer gene that compels me to seek the great outdoors whenever I start to feel hunger pangs.
Anyway, what's all that to do with Ramelton? Well that's what I kept asking myself until I realised that, somewhere in the back of my mind, I had always known that Ramelton was where they made the "Football Special", that tiny brown bottle of lemonade without which no outing to Donegal would be complete.
Every Sunday or bank holiday in summer when I was a child we would head off to the beaches of Donegal with our sandwiches, our primus stove and a clatter of cups and spoons. Invariably we would stop at a shop along the way for crisps, ice-cream and the obligatory bottle of Football Special.
It tasted like no other beverage. Like a cross between cream soda and cola with a little hint of sarsaparilla. Or was it ginger? We never could work it out. We just knew it was delicious, to be reserved only for special occasions like outings and picnics.
It must be 30 years or more since I last tasted it. And then I saw the old faded wooden sign above one of the warehouses on the quay in Ramelton -" McDaid's Football Special".
It was as if I had just drunk a bottle. Definitely sarsaparilla.
Joe Mahon is the presenter of UTV's long-running series Lesser Spotted Ulster.
He is a man who has seen more of the nooks and crannies of the Ulster countryside than anyone else.
His travels for the show have seen him cross land and sea finding the hidden histories of the local landscape.
Republican parade passes peacefully
Public catch city bag snatcher
Belfast alert an 'elaborate hoax'
Traders unite for ice bucket challenge
Shooting at Dublin city centre bar
'No alternative to dialogue' - McGuinness
Cars damaged in Ardglass
Strike at Belfast International Airport
'Bomb blast' site found in Killyleagh
George Galloway injured in street attack
Royal Black marches throughout NI
IRA escapee handed 1985 royal pardon
Garda 'sent text to paramilitary'
'The best is yet to come', says Frampton
RUC chief's frustration over parades
O'Dowd slams Poots for 'casting fear'
Family 'moved' by Seamus Heaney stamp


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Westchester County Center, White PlainsBig Brew NY is returning to Westchester! After the great success of the inaugural Fest in February, Big Brew NY is returning on 9/20...
Danbury event new york february events
Big Brew NY Craft Beer Festival
Saturday, Sep 20 4:00p
"How 'Bout Them Apples?" A musical farm-to-table dinner celebration of New York's apple harvest
Saturday, Nov 15 8:00p
Urban H2O at Beczak, Yonkers- Special Benefit Show – featuring… James Beard Award Nominee Peter Kelly (X2O) James Beard Award Nominee Eric Gabrynowicz (Restaurant North) Da...
Robin Trower with Special Guest – Phil Varca & The Slam Jammers
Friday, Oct 24 8:00p
The Paramount, New YorkWith.....
Bill Cosby
Saturday, Oct 18 5:30p
The Paramount, New YorkOne of America's most beloved comedians of all time, Bill Cosby has captivated generations of fans with his comedy routines, iconic albums and best selling books such as Fatherhood...
New York Philharmonic Ensembles | February
Sunday, Feb 15 3:00p
Kaufman Center, New YorkUp close and personal.An Ensembles concert provides an intimate connection between musician and audience. Hear the individual talents that make up the orchestra...
An Evening with Jerry Colonna
Tuesday, Sep 2 6:00p
LaunchPad Huntington, HuntingtonPresented by LaunchPad & Accelerate Long Island Come hear the founder of one of the most successful early stage investment firms ever talk about "Being Fierce"...
Inside The Life and Times of New York's Legendary Chelsea Hotel
Friday, Nov 7 12:00p
92nd Street Y, New YorkThe Chelsea Hotel, since its founding by a visionary French architect in 1884, has been an icon of American invention: a cultural dynamo and haven for the counterculture, all in one astonishing bui...
Patents 101 - Medical Center
Friday, Sep 12 9:30a
February Crash Course
Monday, Feb 16 9:00a
NYC Seminar And Conference Center, New YorkBooks will be provided on the first day of class. Unless otherwise noted, all classes run on holiday dates.
Jan-Feb Regular Course
Saturday, Jan 3 9:00a
NYC Seminar And Conference Center, New YorkBooks will be provided on the first day of class. Unless otherwise noted, all classes run on holiday dates.
New York Photo Workshop - Digital Photography 101
Sunday, Aug 31 10:00a
Central Park, ManhattanThis Event Has Been Moved To The Rain Date: Sunday, February 24TH, 1-3PM...
Hospitality AND Service - February 12, 2015
Thursday, Feb 12 1:00p
Hospitality Quotient, New YorkHow can you continuously create customer raves to ensure your business is a favorite? By excelling at delivery of both service (the technical delivery of a product) AND hospitality (making guests f...
Rufus Wainwright
Friday, Oct 17 8:00p
Boulton Center for the Performing Arts, Bay ShoreIf there is one word that describes Rufus Wainwright, it is prolific...
Adventures in New York Pre-Christmas & Leisure Trip
Monday, Oct 27 7:00a
Sheraton New York Times Square, New YorkPackage Includes Round trip airfare from Atlanta to New York 4 Days, 3 Nights at the Sheraton Times Square Full Day of Shopping at the Woodbury Common & Factory Outlet *Woodbury Common is designed ...
"Rashawn's Desire: The Untold Story of Rashawn Brazell" Pre-Release Screening
Thursday, Oct 2 6:00p
Maysles Cinema, New YorkPlease join us for a special evening at Maysles Documentary Center to preview a near-final cut of the long-awaited documentary "Rashawn's Desire: The Untold Story of Rashawn Brazell...
Danbury event new york february Related Topics
arts & crafts | community | business & tech | dance | fairs & festivals | food & dining | music | performing arts | sports & outdoors | visual arts | other | comedy | shopping | holiday | education/campus | social | wine tasting | united family music | hospitality | fashion shows | electric | festivsls labor day weekend in nj or ny | circus | concert | madison square garden | guitar | bill cosby at paramount | short play festival new york | broadway | acoustic blues new york | dating | convention | all for the bays concert | the you and me solo tour | xxx
Hot Tickets More »
Sat 10/18 5:30p
Fri 10/24 8:00p
Tue 9/2 6:00p
Sun 8/31 10:00a
Mon 10/27 7:00a
Fri 9/12 9:30a
Upcoming Holiday Events More »
A Fundraiser for FTAR
Mon 9/22 7:00p
Johnny Koenig - Ok2berfest
Sat 9/27 12:00p
John Coope Clarke
Tue 9/23 9:00p
Murder in Swingland
Fri 9/26 6:30p


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Password Generator 2013 Professional is capable of generating unlimited passwords according to your specifications. In fact, this tool can build any kind of random strings you may need, such as usernames, passwords, ID numbers, key codes, etc. The program can generate strings of up to 100 characters and a list of 100,000,000 strings at once, but this will depend on the kind of license you acquire.
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Quick PDF Tools is a free application that incorporates a wide set of handy tools and provides you with an easy and fast way to manage your PDF files. You will be able to convert your PDF documents to MS Office Word format, merge as many PDF files as you want, extract images and text content, and many other.
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Password Generator is a simple program that creates strong passwords. The program is simple, small and easy to use. We are given a main window, where we can specify the password length (which can be from 1 to 20). The program will generate a random password for you.
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Accent WORD Password Recovery is a program which allows you to recover your lost Microsoft Word passwords. This program supports all versions of Microsoft Word (from Word 6/95 to Word 2010-2013). It includes macrolanguage for adding password mutation rules to dictionary attacks.
Microsoft Office 2013 15.0
oftFuse Password Generator Free is a freeware program designed for generating random passwords easily and quickly.SoftFuse Password Generator Free has few advanced features: generating passwords by mask, MD5-hashes, using prefixes and suffixes, exporting passwords to the files (txt, rtf, xml, html).
Password Saver is a useful and easy-to-use program that allows you to store securely important information such as passwords of e-mail accounts, credit cards, web site accounts, software serials, and more. It has more than ten different cryptographic algorithm options to encrypt your information.
SoftFuse Password Generator Pro is a professional password generation software. It's a highly customizable and full of advanced options: user accounts manager, generating passwords by mask, built-in hash generator, password's expiration, export password lists to the files (txt, csv, rtf, xml, html, pdf, xls.
PDF24 Creator is a program that allows you to create PDF files from almost any application. You can merge and split PDF, extract pages from a PDF, copy pages from one PDF to another PDF, secure a PDF (Prevent from unauthorized opening, printing), set PDF information such as author and title.


text:
Pistachio Power Snacking
Power Snacking. Whether traveling, exercising, at the movie theater, or just keeping a supply on-hand in the purse, backpack, briefcase, or glove compartment, our 6-OZ
ARO Pistachio snack sizes are convenient for power snacking. Or buy in bulk and make your own on-the-go portions.
Entertaining. When entertaining, our gourmet pistachios are a savory pairing to cocktails and libations and a hit on buffet tables. Treat yourself, your host, and your guests at parties with 1-LB, 2-LB, or 5-LB arrangements of ARO Pistachios. We advise to be prepared—After all, who can eat just one pistachio?
Feature Your Recipes. Have a special pistachio recipe? E-mail firstname.lastname@example.com to learn how to be featured on our blog!


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A dramatic new E-book by Jim Cain(pictured 1970), who claims to be Walford Bodie's great grandson
Via Email
on PDF File
attachment or on DVD
Parts A B C..... Part A $5 USD +Free upgrade See Page 3
DVD Version
500 E-Pages
130K Words
200 Photos
Houdini fans - lots of Houdini material
Yet the Medicos hated him. They branded him 'Merry Devil.' Why did they riot, affray, burn his effigy, march in their hundreds, and bitterly label him a 'Doctor in Drag'?
Walford Bodie - 'Doctor in Drag.' The 'warts and all' E-book about a truly remarkable man. A man who could seriously claim to be 'The Most Remarkable Man on Earth.'
Loving it..Fascinating..Inspiring
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Remember to see Main Slideshow B (P5 'Buy the Book?'). Every page has slides. There are 33 slides in total. The book has 200 photos
'There'll never be a book like this one'


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When Brother Rice flips the switch, look out.
Trailing Lyons 8-3 in the first set of their championship match Saturday at the 12-team Richards Invitational, the Crusaders' lightbulb went on and seniors Mitch Weiler and Kevin Myren went off.
Weiler posted eight kills and seven digs and Myren added nine kills as Brother Rice decked Lyons 25-21, 25-15, avenging a championship defeat to the Lions in the Richards finale from a year ago.
"We were really shaky in the first set," Myren said, "but then our blocking and our passing really came together in the second — especially our passing."
Weiler was instrumental in the front and back row in securing Tournament MVP honors — he also earned MVP at the Brother Rice Smack Attack. Myren was named to the All-Tournament team and added consecutive second-set aces for a 22-11 advantage.
David Kelly chipped in six kills and five digs and Jim Dwyer doled out 24 assists for Brother Rice (31-2), which used an 8-2 surge to get out of the early hole in Game 1.
"Dwyer did a great job spreading it out," Weiler said. "That's crucial. We've started adding new plays to create a faster offense. Our defense has been improving, too. When it comes together, we can do great things."
Lyons (24-6) was paced by All-Tournament selections Marko Kostich — one of the premier setters in the state — and outside hitter Michael Dean. Kostich notched 18 assists and three kills, Dean had 10 kills and Rob Watkins five kills.
Consecutive put aways from Myren in Game 2 gave Brother Rice a 2-1 lead it would never relinquish. When Kelly later went off a blocker, Rice went up 18-9 for what was an insurmountable lead.
"The second game we kind of had a slow start and we really had a hard time keeping up with them," Lyons coach Joann Pyritz said. "We seemed to lose some confidence and they just kept coming at us."
Wheaton Warrenville South defeated Warren 25-17, 22-25, 25-18 for third. Jared Wilcox and John Hildebrand earned All-Tournament honors for the Tigers (20-13). Warren's Bryant Holland earned the nod for Warren (20-12).
Michael Wexter led Lincoln-Way West (24-6) to a two-set win over Morton for fifth. Downers Grove North beat Richards for seventh.
Tag(s): Brother Rice Lyons Featured Top News Featured Top News Boys Volleyball Top News Featured


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"The Future Begins," E3 Showcases New Games and Entertainment
Wednesday, June 11, 2014 12:22 AM EDT
Wednesday, June 11, 2014 1:48 AM EDT
By: Christine O'Donnell, Reporter -
"The Future Begins," E3 Showcases New Games and Entertainment
E-mail Christine O'Donnell
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on Twitter: @christineonnews
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"The future begins!" That's the slogan for E3 this year and the 45,000 registrants got to see the latest in gaming and entertainment and the exhibitors did not disappoint.
Real or Virtual Reality it's hard for David Bouchard to tell the difference while he was fighting this guy.
"You're completely immersed in the game. If you look up, down, left, right everything you do is animated the dragon comes at you at the end. It's pretty crazy," Bouchard said.
Bouchard was using Playstation's Morpheus. Javier Fernandez is Project Manager for the product.
"This is our first prototype on the VR. We have been working on this for awhile and we decided to show this to public," Fernandez said. "This is not close to a final product yet, but we want to show to everyone play station is focusing on the future of games," Fernandez said.
Playstation's Morpheus
may not be ready yet, but there's a whole lot I games that are.
The Electronic, Entertainment Expo is billed as the world leading trade show for everything gaming. Victor Lugo a Combat Designer.
"That's called the last breath it's a unique move for TJ," Lugo said.
Whether you like fighting, flying, driving or saving the world there's something for everyone.
This year the attention has shifted from gamers to reaching the broader consumer. Jessa Brezinski was showing off Dance Central on the XBOX.
"I think it's a very primal desire that people like to move, even if they're a little nervous at first and this game makes if really easy for people to get up and star moving," Brezinski said.
E3 continues through Thursday, June 12th.
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the nice thing is because there is a demand for my profession. Our school can place us in jobs very easily.
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The counseling center and especially the career counselor is fantastic. She has a lot of tools to help you determine the best field of study and even specialized fields within that field that is best suited for each individual. Doesn't make you feel rushed. I couldn't apply for financial aid since I already have an advanced degree, which is why I needed this individualized service so as not to take unnecessary classes.
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since i'm not done with my career's requirements i am unable to answer the question but i can say that the career center always help you find jobs where you can work part time and go to school
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Chrysler Calls on Software Fix for Under-the-Radar Recall
It's understandable how the news that Chrysler Group (OTC:FIATY.PK) is recalling 25,000 SUVs was received with a shrug by media outlets. GM's (NYSE:GM) large-scale recall is grabbing headlines for both its size and the brazenness with which the automaker is accused of handling the deadly issue with its cars. New industry research shows that recalls are increasing as the amount of technology in cars continues to grow, while software fixes are providing an affordable, effective method of correction.
The Detroit News reports Fiat Chrysler will bring back over 25,000 Jeep Grand Cherokee and Dodge Durango units from model years 2012 and 2013 to address an issue with the flow of brake fluid in vehicles. Chrysler said a feature of the braking system was not working correctly. As a result, drivers of the SUVs may have trouble making sudden stops.
According to the report, the supplier of the auto part mentioned the problem to Chrysler recently. Spokespeople for the automaker said there were no crashes or injuries that resulted from the problem in the vehicles in question. Chrysler plans to notify drivers, who will bring in vehicles for a software update to restore the proper flow of braking fluids.
It's now standard practice for automakers recalling defective vehicles to solve the issue with software updates. While the amount of non-mechanical technology increases every year in automobiles, the number of recalls is increasing with it, according to a report by research firm Stout Risius Ross. Despite the uptick in recalls, it hasn't necessarily spelled bad news for the manufacturers.


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Hasegawa Co Ltd+ Add to Watchlist
As of 02:00:00 ET on 08/27/2014.
Company Profile for Hasegawa Co Ltd (8230)
HASEGAWA CO., LTD. wholesales and retails Buddhist altars and accessories. The Company's sales network is located primarily in North Kyushu and the Tokyo metropolitan area. Hasegawa also operates home centers, bowling alleys, and gravestone business.
Contact Information
Hasegawa Co Ltd
12-192 Kamikawabatamachi
Hakatu-ku, Fukuoka City
Fukuoka, 812-0026
Phone: 81-92-263-7624
Key Executives for Hasegawa Co Ltd (8230)
|Hirokazu HasegawaChairman/Founder
|Fusao HasegawaPresident
|Kenichi InoueExecutive Vice President
|Toru EzakiExecutive Officer
|Minoru SuzukiExecutive Officer
|Mitsuru KawaeExecutive Officer
|Yasufumi NakataniExecutive Officer
|Tetsuji EnomotoExecutive Officer
|Sanshiro ShingaiExecutive Officer
|Tatsuji IkegamiExecutive Officer
|Atsumi HorioExecutive Officer
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Shop for the Oklahoma Sooners NCAA N98 Track Jacket, made by Nike, from Lids.com and support the Oklahoma Sooners & NCAA in style with Lids Apparel! Whether you are training on the field or cheering in the stands, the NCAA N98 Track Jacket helps you cheer on your team in style and stay protected from the elements.
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