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What Are KSAs?
KSAs are often a critical part of the Federal job application process, but most Federal job applicants are often confused about exactly what a KSA is. The information provided below provides a brief overview of KSAs and their part in the Federal hiring process. What does KSA mean? "KSA" is an abbreviation for knowledge, skills, and abilities. KSAs are attributes required ... -
8 Do's and Don'ts to Landing a Temporary Job
If you're a highly qualified professional who has been unemployed for a while, you may eventually have to find a "Plan B" job to pay your bills until the job market improves and you can return to your preferred type of work. There's no shame in that, but landing a temporary survival job can be harder than you think -- there ... -
8 Tips for Better Email Cover Letters
As the saying goes, you don't get a second chance to make a first impression. If you're doing a job search or resume submission via email, the first impression any employer will have is from your cover letter. [gate] Some tips for creating successful email cover letters are the same as for paper cover letters: Be professional, with correct spelling and ... -
How to Handle Sticky Situations in Your Cover Letter
Are you wondering how to deal with a sticky work history issue? Whether you were laid off from your last position, took time off to raise children or are looking to change careers, the cover letter is the perfect place to address potential red flags. One caveat: Keep the explanation brief. Writing a cover letter is an exercise in selling yourself, ... -
3 Attention-Getting Tactics for Cover Letters
Hiring managers and recruiters can receive hundreds--or even thousands--of applications for each open job. Typically, they can spend only a few seconds scanning a candidate's cover letter before moving on to somebody else's. So if you're looking for a job, your cover letter has to capture a reader's attention right away. Career coach Evelyn Salvador, the author of the recently released ... -
High Turnover: When Everyone is Jumping Ship
Last week in Washington at the Center for Government Leadership, the Partnership for Public Service trained nearly 190 federal leaders from more than two dozen agencies on business acumen. Two questions this week come from federal managers. Please continue sharing your ideas and questions by emailing me at email@example.com. How can I engage an unmotivated employee? --Federal manager (GS-14), Small Business ... -
Senator Kaufman: 'Your word is your bond'
Sen. Ted Kaufman is the junior senator from Delaware appointed in 2009 to fill the unexpired term of senator now Vice President Joseph Biden. Kaufman was Biden's chief of staff for 19 years and was a member of the Broadcasting Board of Governors. One of Kaufman's senate endeavors has been his Great Federal Employees Initiative, an ongoing series of floor speeches ... -
The Federal Coach: Are Generation Stereotypes Real?
If I refer to the Jersey Shore, does your first thought go to a vacation spot or to someone named "Snooki?" Your answer may say a lot about your generation. Traditionalists or Baby Boomers are thinking of summertime memories, while Millennials are thinking about Snooki and her friends on the MTV reality show. Right? Maybe. The truth is your answer probably ... -
Administration Announces Hiring Overhaul
The Obama administration unveiled a major overhaul of the federal hiring process on Tuesday, the Office of Personnel Management announced. The hiring reform memorandum will ask agencies to do away with hand-graded knowledge, skills and abilities essays by Nov. 1, at least in the early stages of the hiring process, Jeri Buchholz, associate director for human resources operations and policy at ... -
Highway Money Dries Up, Furloughs Could Start Tuesday
Inaction by the Senate to pass a short-term highway funding bill may cause the Department of Transportation to furlough nearly 4,000 employees nationwide starting Tuesday. With no extension, the Department of Transportation will cutoff payments to state highway programs as well as the Federal Transit Administration, National Highway Traffic Safety Administration, and Federal Motor Carrier Safety Administration. These programs are paid ... -
Want a Chance to Win $500 Just for Using GovCentral?
Frequently Asked Questions: GovCentral's Spring Is Greener Promotion Do I need to register more than once? No How do I increase my odds of winning? Simply sign into your GovCentral account once a day through March 31, 2010 to be entered again to win. If you allow your browser to save your log-in information, you will need to click "Sign out" ... -
Where will job growth be in the next 20 years?
Unemployment may have dipped to 9.7 percent, but job growth is still lacking. Thankfully, this won't be the case forever. Mint.com, my favorite personal finance website, takes a look at where job growth is expected over the next 20 years. As expected, the largest job growth is in urban areas. Atlanta, GA is projected to have the most job growth at ... -
Wake up with the Gov - GovCentral Morning Round-up February 10
OPM director considers overhaul of civil service system Joe Davidson, curator of Washington Post's Federal Diary, gives a glimpse of an impending shake-up for civil service employees in the federal government. OPM Director John Berry is looking at ways to refresh the antiquated 60-year old General Schedule pay system. Read more at the Washington Post For Telecommuters, It's Not About Going ... -
Telework to Expand for Federal Jobs
Back-to-back snow storms in the Washington, DC area have knocked out the federal government for a record fourth day in a row. The Office of Personnel Management estimates the loss of productivity to be $100 million a day, which many consider a necessary cost to ensure the safety of hundreds of thousands federal, state, and local government employees in the area. ... -
Wake up with the Gov - GovCentral Morning Round-up
D.C. Federal Agencies Closed Tuesday While people in the D.C. region already know this, the Office of Personnel Management has closed all federal agencies in the Washington, D.C. area. Here are GovCentral, we really think that Tuesday's snow should be called snow-over-it". Rep. John Murtha dies at 77 U.S. Rep. John Murtha, an unapologetic bearer of pork for his congressional district ... -
GovCentral takes home #4 spot in top-ranked Gov't social networks
We're pretty excited in GovCentral HQ today as we were ranked #4 in the top government social networks by OhMyGov.com In addition to GovCentral.com, our friends and Monster cohorts, Military.com took home the top spot. I'm pretty excited to see GovCentral in this group as we continue to see growth since integrating with Monster.com in September 2009. The purpose of the ... -
OPM Launches FedsHireVets.Gov
Washington, DC - Today, the Office of Personnel Management (OPM) announced the official launch of FedsHireVets.gov, a critical component of President Obama's Veterans Employment Initiative. This website will help ensure Veterans, transitioning military service members, their families, HR professionals, and hiring managers receive accurate and consistent information regarding Veterans employment in the Executive Branch. John Berry, Director of OPM, stated "FedsHireVets.gov ... -
10 Best and Worst Bosses: Which One Are You?
We've all had bosses that we've either loved or hated. The boss who helped you get that promotion, or the one who clipped his toenails at his desk. Some help us advance our career, while others seem to hold us back. Different leadership styles can lead to different results for each employee. But certain styles seem to be good or ... -
OPM Announces Reorganization
An announcement from the Office of Personnel Management yesterday about their reorganization: OPM Reorganizes to Better Meet the Needs of Its Customers Washington, DC - In order to help fulfill President Obama's promise to make the Federal government more transparent and customer friendly, the U.S. Office of Personnel Management (OPM) has undergone a major reorganization. It became effective with the signing ... -
Finding Opportunity Amid the Scary (Job) Statistics
I promised my editor I'd cut to the chase. But first, an introduction: My name is Jonathon Feit, and in the Summer of 2009 I received a once-in-a-lifetime invitation to serve as an MBA Intern in the Office of Management & Budget, within the Executive Office of the President of the United States. I was assigned to the Performance & Personnel ...


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This set from Furniture of America is offered in a black finish.
Xtres Coffee Table
The unique "X" design of the pedestal and the oval glass table top will make a striking statement in a contemporary home.
- High gloss lacquer coating
- X-shape legs
- 8mm tempered glass top
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Finish: | Black | |
Materials: | MDF / Glass | |
Usage: | Assembly Required | |
Assembly Required Some products are shipped to your door step assembled while others may require light assembly. | Assembly Required | Ready to Assemble |
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Furniture of America CM4370 Xtres Coffee Table
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Nate Burleson
Nate Burleson breaks his arm trying save a runaway pizza box
jabronis who are gonna ask if Burleson was intoxicated, stop ..... Look at what happend to Burleson ! His blood is on your ..... with my fallen teammate Nate Burleson wishing him a speedy recovery ..... weekly mailbag! Laces Out \ Nate Burleson
Nate Burleson scores a year's worth of free pizza
Updated NOV 20, 2013 9:59a ET Football By Sid Saraf, FOXSports.com Nate Burleson and pizza have had a checkered history as of late. If you remember ..... gmail.com and we might respond in our weekly mailbag! Laces Out \ Nate Burleson
Nate Burleson promises to get fined in Browns preseason game against Detroit
facing a former team. New Browns WR Nate Burleson was cut by the Lions afer injuries ..... According to MLive's Kyle Meinke, Burleson is excited to face his former team ..... because I'm going to get a fine," Burleson said, laughing. "I'm going
Lions to release Nate Burleson
Receiver Nate Burleson has become a salary-cap casualty for ..... Detroit Lions. The club confirmed that Burleson is being released. It is expected to ..... can't blame them for making it," Burleson told the Detroit Free Press. Burleson
Nate Burleson shares scary images from his car accident which was caused by a pizza box
Gardner, FOXSports.com So, you didn't believe Nate Burleson when he said that a runaway pizza box caused the car ..... crash, which totaled his 2009 GMC Yukon. On Tuesday, Burleson posted this above photo to his Instagram with a caption
Nate Burleson was heckled by a homeless man on Monday
after all. But still, things could be a lot worse. A lot, lot worse. Now we hear this: Lions wide receiver Nate Burleson said during a radio interview on Detroit Sports 105.1 that he was heckled by a homeless man while doing charity work
Johnny Football talk of Browns' OTA's
Mike Pettine, Justin Glibert and Nate Burleson on Johnny Manziel's OTA's performance.
Report: Browns WR Burleson re-fractures arm
Gordon, ESPN is reporting that Nate Burleson re-fractured the arm he broke ..... was given on how he was injured. Burleson was not on the field for the final ..... Coach Mike Pettine was asked about Burleson 's absence and Pettine responded
Browns agree to terms with WR Burleson
year contract with free-agent wide receiver Nate Burleson . A 12-year pro, Burleson has made 103 career starts. He finished last ..... with the Lions, who released him in February. Burleson gives the Browns experience and depth at receiver
Vikings season report card: Offense and special teams
yards and a team-leading 15.3 yards per catch. Johnson and Jarius Wright became the first duo since Randy Moss and Nate Burleson in 2004 to both go over 100 yards in the same game. Wright, as he's done in his first three seasons, has shown


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Reader comments are listed below. Comments are currently closed and new comments are no longer being accepted.
The Economist's recommendations for cleaning up public pension problems make perfect sense. And the rules should also apply to public safety employees, who can pick up as much as 90 percent of their salary and lifetime medical insurance when they retire.
However, achieving fairness for the taxpayer would require governments to demand radical changes in public employee union contracts. Given the political clout of unions, particularly in California, this would require a never-before-experienced level of courage among elected officials.
A more realistic scenario is the collapse and bankruptcy of major public pension systems and the mandatory re-negotiation of benefits that would result.
Methinks I see an opportunity in the form of the political platform which could lead to the long-term recovery of the Republican party in California. The Democrats will always be the party of the public sector unions. As more and more of state decision making is driven by pension-driven bankruptcy, that single issue (and nominating some decent candidates) could bring back the Republicans.
I can't stand unions and perhaps I am wrong but I don't think it would come to that. In other circumstances when push has come to shove unions have made concessions. It just has to become obvious to them that it's going to be a question of taking less via negotiations or the complete unknown of a bankruptcy.
Just more ignorant bigotry that has never been proven correct.
Just as bad as the pension story here is the general poor quality of worker in the public sector relative to the benefit scheme. In many cases these people can't be let go for incompetence. That weighs down the system even more. When your only reply is "ignorant bigotry" to substantive posts, I suspect you are part of the cancer eating away at our system.
The most disastrous part of the current problem is retroactive pension increases.
Whatever level of funding is required to pay for a pension over the life of the employee, it will be vastly inadequate if the pension is retroactively increased for those near retirement or already retired. Yet that is exactly what was done.
In addition, most governments did not fully fund the pensions at a level sufficient to pay for the pensions that were promised when the workers were hired.
The situation is exactly analagous to the executive suite. Those who already had the most, in cash pay for top executives and in retirement benefits for public employees, cut deals with their pals to take even more. The cost was hidden, deferred, and then passed to others because these pirates have "contracts" whereas ordinary people do not.
Of course it doesn't work when wages have been stagnant for 20 years while costs for getting an education for those stagnant wages have been going up because of unfunded mandates forced on them by state and federal governments you elected.
In these circumstances where there are no shareholders to wipe out, bankruptcy might actually be a good idea.
Sorry, but a debt is a debt under the law. The states will just have to sell some assets to pay off its debts to workers. I mean don't make promises if you don't plan on keeping them.
At present, states are not eligible to be debtors under the Bankruptcy Code. Congress would have to amend the Code to permit states to restructure their debt under Title 11.
But if Congress were to be writing new laws, they would probably consider a more holistic approach to state pension debt rather than simply tacking a new chapter onto the Bankrutpcy Code. I would be surprised if that approach did not involve some amount of bailout for public sector workers. Not only all unions but also the AARP would lobby for this approach, and Congress does hate angering those people old enough to vote regularly. Moreover, the struggle to meet public sector pensions will simply be a precursor to the struggle to meet Medicare liabilities, and many will not want to set a precednet of default.
Quite so. I've always felt that unfunded pension liabilities are as nothing to later life healthcare costs.
The problem would be convincing the American people to pay the tax bill for such a bailout. I'm not sure that will be possible.
What tax bill? The bailout can be funded by issuing debt. The worst case scenario is that the Fed has to pick up some or all of the issuance.
And we all know our politicians are excellent at keeping their promises...
What continually baffles me is when public workers say (just like Social Security and Medicare recipients) that these benefits were promised to them. Well, for the rest of us in the private sector we've had promises made to us broken routinely. In the 13 years I've been with my present employer benefits and pension schemes have changed nearly yearly and not so that they are are more generous. I don't see what makes public employees immune to having to make do with less, particularly when we in the private sector are trying to save for our own retirement plus paying for theirs at the same time.
The real underlying issue is the fact that it is near impossible to estimate the long-term costs of defined benefit plans.
State and local government in America is riddled with incompetence and corruption -- this is observable in state legislatures and their courts as well. States should all be compelled to hire -- and fire -- on the basis of performance on merit based exams, and America's federal government should allocate substantial resources to monitoring and combating the obscene levels of corruption in state legislatures in courts.
Many corrupt people are incompetent, and therefore attacking and removing corrupt members of state government serves the goal of raising the average competency level.
Finally, when it comes to future obligations such as pensions, which are borne by all taxpayers in an American state, why not let the citizens vote on these programs?
You complain about public corruption, yet fail to mention that TARP bailed out private sector banks who were acting completely fraudulent. Funny how the federal government can bail out the private sector but not its own states. The public sector didn't sell toys with lead paint on them. Nor did it sell us shoes that were good at twisting ankles. Go to recalls.gov and simply search for "lead paint" and see how corrupt the private sector is.
We already do provide elections for these programs at the local and district level, so spare us the hypocrisy of pretending to respect voting because you don't nor do you have any respect for another man's work.
You may read my comments on the American banking sector in this blog, and you will find them less than flattering. There are good and competent people working in state and local government in America, and their futures would be much more secure if the incompetent and corrupt people were removed from state and local legislatures and judiciaries. As to program elections at local and district levels, the option to "vote" for them may be highly constrained -- and distorted-- by the choices offered by those framing such "elections". The state and local legislatures and judiciaries of America are an unmitigated disaster. And yes, they do rely on some good people to do the actual work which gets done, but that does not mean that the folks steering matters are any less corrupt or incompetent.
Haven't merit based exams been (functionally) made illegal due to disparate impact rulings? (penalties being so large, court costs so high, and "correct" application of tests so narrow as to prevent widespread application)
The State can do its own policing (or not). States run poorly will cause businesses and people to flee (see the migration to the South).
Now the South has its problems too, but fortunately they are starting with less money in the tax coffers. That may change.
Yes, cronyism has dominated merit, "on the merits" so to speak.
You're thinking the Feds are any better?
And those unhappy private-sector taxpayers vastly outnumber their public sector counterparts. When push comes to shove, there's a good chance States will eventually find themselves with far greater legal possibilities for cutting their pension obligations.
You mean when the Koch brothers convince an ignorant and angry mob that they can blame working class public workers instead of bankers for their crappy pension scheme that the workers accepted.
You are right. Populism does a right job to convince the middle class that rich people are the bad guys. You can spot every democratic state by the level of debt.
I don't think there's a banker in the world who could make a pension scheme sustainable that pays 90% of final annual earnings starting at 55.
You mean states with better pay for workers?
Of course there isn't, the bankers couldn't even make their own banks sustainable and had to be bailed out by the government: capitalism bailed out by socialism - hilarious. You might want to think before you write.
I think with higher unemployment!
Once again the Economist takes part in bigotry and ignorance. First off, you want states to use grossly pessimistic accounting that presents a reality that the recession will continue on forever. This very magazine had California buried long ago and you were wrong. Experts are hardly ever correct. You also forgot to mention Wisconsin, which has a pension fund that is 100% funded by all accounts, even though Governor No Jobs has been trying to dismantle it Bain style. And that brings us to private sector pensions which have a track record of being dumped onto the federal government Bain style, Pabst style, airline style. Funny how a debt is a debt for bankers but not for pensioners.
Bigotry - you keep using that word. I do not think it means what you think it means.
Suggesting that States use their own cost of capital when discounting future obligations hardly amounts to an assumption that the recession will continue forever.
Finally, making sophomoric insults about the Governor of Wisconsin does little to enhance your credibility or reputation as a measured thinker.
Its very fashionable now for those on the left to call people they disagree with 'bigots'.
A varient of Goodwins Law
Using the current and changing economic situation as an excuse to stomp on working people you don't know is bigotry because it is based on dogma.
If you don't live in Wisconsin and haven't had to live under Governor No Jobs because you don't know that Wisconsin is near the bottom in job creation or near the top in exodus or how many high tech researchers have left, then you shouldn't pretend to know what you are talking about when you don't.
It is very fashionable for those on the right to delude themselves into thinking they are right based on no facts and no evidence, which makes them bigots.
This TE article is in no way blindly intolerant to a particular opinion (ie bigotry). It simply states the fact that many of the state and local pensions are unfunded and may head into trouble in the future (fact). Perhaps you have the bigotted point of view, as you blindly feel that any negative view (or fact for that matter) is "bigotted". This article is not stomping on government employees as you say. Quite the opposite actually as it is stating that something needs to be done so that government employees can still enjoy their pensions.
Sadly, you have no facts or evidence much like the article, which is why it is bigoted. It ignores Wisconsin, whose pension is 100% funded and continues with the premise that the recession will last forever. TE conveniently uses the current economic climate to justify stabbing working people in the back. TE provides no real numbers just lots of speculation.
It's up to all of us, to have the discipline to not feed the trolls around here. If we fail, the comment section will become our tragedy of the commons. It can be a wonderful resource if we keep it maintained.
-Avid reader, rare commenter.
These right wingers. Aren't they the same people who believe in creationism? And that 15,000 collateral homicides is a small price to pay for the right to bear arms?
Up with creationism!
Every time the Economist brings up pensions, the ignorant bigots crawl out from under their government subsidized rocks to whine about how tough they have it and to stab everyone else in the back.
You obviously are the one living in the dark
The vikings hung their weak leaders from the next tree. We need some kind of 'incentives' for our leaders.
"The burden will fall on private-sector employees"
And the richer ones will likely do a Depardieu.
I don't think it is very sensible for governments to fund pensions in the same way as private companies do. Governments have access to a cheap and effective source of income, namely taxation, from which they can make pension payments. In my view it does not make sense to pay for financial advisors to run pension funds and to take risks on investments when what I believe is a far more reliable and cheaper form of funding is available.
Provided the pension payments are indexed to the revenue available from taxation, for example by indexing it to GDP or wages, there should be little risk that the payments will become too onerous for the government's taxpayers to pay.
It's hard to envision how transfers from taxpayers to retirees can possibly be made to foster economic growth.
I take it you are referring to the fact that private pension funds provide a lot of investment for companies, and that my proposal would not do this. I think you are right, but you are in a way making the point that the funds have objectives other than the direct benefit of the pensioners: their funds are being used for other purposes.
However my proposal does not remove money from the economy: it is still there, in the pockets of the pensioners instead of in the pension funds. Maybe they would invest it more fruitfully and more responsibly than the pension funds.
My point was more that redistributing money from workers to retirees is the sort of economic distortion that harms growth.
Another issue with your proposal, though, is that it further decouples the provision of public services from their funding. Raising taxes to pay public-sector pensions out of States' general funds means that the services States are providing today will be paid for by future generations. As the article points out, this allows governments to provide excessive compensation packages, and leave it to their successors to figure out how pay for them.
It makes much more sense for States to set aside any deferred compensation as their employees earn it. That means having some sort of pension fund, though not necessarily one with high overhead.
My view is:
Pensions are, by definition, payments made by a future generation for work that is done by the present generation. Even if you invest your money in a pension fund (instead of having it taken in taxes to pay current pensioners as I was proposing) the money that you invest goes to buy shares in a company that you hope will continue to operate and make a profit in the future from which your pension will be paid. That company will only make a profit if the future generations are prepared to pay for its products. When they do so they are in essence paying you for the work that you did in the past.
If, instead, you keep the money in banknotes either under the mattress or in a savings account, so that you can spend it when you retire, you are dependent on the workers of the future generation being prepared to accept your old banknotes in exchange for their work. In this case they are not giving you money with which you can buy goods and services, they are giving you the goods and services directly, but there is no real difference. They are still honouring an obligation which rewards you for work you have done during your own working life.
So, in terms of the obligation that it imposes on future generations, I don't think there is any intrinsic distinction between my proposal that pensions should be paid out of tax and the alternative of paying money into a pension fund. Where it does differ is in reducing the payment to the financial advisors of investment funds, since the amount used for paying current pensions does not pass through their hands, but instead passes through the tax and social security systems, whose "fees" are lower.
Pensions seems to me to be one area which has failed badly in the UK, with many people not receiving the returns they were expecting and a growing belief that it is not worth investing in pensions. The result could be many more people dependent on social security payments when they cease working, or not being able to cease working.
But I accept you are right to point out that governments might make over-generous promises, and then fail to keep them. That seems to be what has happened with UK Civil Service pensions, where the government changed the indexation to decrease the payments. It remains to be seen whether the generous promises made about the UK state pension will similarly be broken in the future.
"Pensions are, by definition, payments made by a future generation for work that is done by the present generation."
That depends entirely on the nature of the pension. When it comes to public programs like Social Security, that's entirely true. However, the pensions provided by employers are completely different. If the government shut down tomorrow, public pensions would disappear. However, if one's employer shuts down, its pension fund should, in theory, be able to fully satisfy any and all pension obligations that it's incurred.
The former is backed (explicitly) by a tax. The latter, however, is backed by assets.
"When they do so they are in essence paying you for the work that you did in the past."
Those companies are paying you for investing in them. They're compensating you for your risk, not for labor which was likely of no benefit to them.
"If, instead, you keep the money in banknotes either under the mattress or in a savings account, so that you can spend it when you retire, you are dependent on the workers of the future generation being prepared to accept your old banknotes in exchange for their work."
This doesn't seem like a significant risk when banknotes are the only legal tender.
"In this case they are not giving you money with which you can buy goods and services, they are giving you the goods and services directly, but there is no real difference."
The difference is time. When making ongoing contributions to a pension fund, the employer is giving you money at the same time that you're giving it your labor. If it's giving you that money after you retire, then that's no longer the case.
The bottom line is that whatever costs an employer incurs for hiring someone in 2013 should be paid in 2013. And the only way to do that is with some sort of pension fund.
The problem with this approach is it assumes that the populace will stay and pay the taxes. Sometimes they will, but if they don't (see Detroit) the debt would spiral. Higher taxes incentivise people to leave (especially those on pensions).
I want to return to this topic because I have been trying to get clear in my mind just what is the relationship that one generation has with the following one.
If I put money into a pension fund, which then buys assets such as a company whose future dividends I hope will support me in my retirement, do I have a different relationship with the people of the next generation than if I have a promise from the government that it will pay me a pension in the future by taxing these people?
In one sense, yes, because the company that I have invested in is providing some products that the people of the future are willing to pay for. They are not deliberately fulfilling an obligation to me, they are meeting their own desires and paying me, via the company in which I have invested, for providing the means to meet these desires. So the people of the future do not work explicitly for me, they work for their own interests and the benefit I derive is incidental to them. Such is the miracle of capitalism.
But I am still dependent on the people of the future being prepared to do their part in this. If they are not, if they all emigrate or are not born or take part in a communist revolution, I will not receive any return from my investment. My claim on the company's profits is comparable to my claim on the government's tax revenues. Either of them can be dishonoured. In both cases there is an obligation of the people of the future to meet obligations that people of my generation have put upon them: in one case to pay taxes and give me some of it as my pension, in the other case to provide some of the profits of a business to me because I have bought its shares.
So, whether I have a promise from the government or a promise from a company or a pension fund I am dependent on the workers of the future being prepared to work partly for my benefit. I can't make myself independent of them.
But my original point was actually that the second type of promise - from a pension fund - is too expensive. I think pensions could be provided more cheaply, efficiently, and reliably by taxation rather than by paying pension funds.
I've tried to respond to part of your comment in my latest reply to Anakha82, but I'd like to add that it is not just high taxes that disincentivise people.
Inadequate returns from pension funds discourage people from investing in pensions, so that there is inadequate resources to pay pensions. This pushes people into dependence on social security, and hence on the taxpayer.
If pension funds were well run they would provide a good method of ensuring that pensions do not exceed the ability of a society to pay them since the investments are by their nature proportionate to the GDP. If they are poorly run and extract too much money to the benefit of the fund management so that the pensions they provide are inadequate (which is what has happened in the UK, in my view) they push people into dependence on the taxpayer, and it would have been better if the taxpayer had just undertaken to pay the pensions in the first place. But that puts the obligation on governments not to promise more than society can afford, and I accept that has been something that governments have been poor at.
I read both your posts. The problem with government pensions is that the fox is running the hen house. We see the current results of that looming before us. There is little doubt that future Governments would act the very same way. If we make a "Constitution" on how the fund would be managed, future governments would call it a "living document" and feel free to distort the meaning at will without having to go through a formal amendment process (see our current state of affairs).
The benifit of running your own pension (401K and the IRA your roll it into when you change jobs) is that you will have the incentive to manage your wealth. YOu can farm that out to mutual funds, buy ADR's of stock exchanges, pull your funds out of countries that don't respect investors rights, and are not beholden to own stock forever in what will become "buggy-whip" industries.
If the stock market goes away, you will be more worried about the zombies than your pension check.
If the government started (and stayed) on a path of indexing Social Security and Medicare to life expectancy, and we worked our way up steadily to the point that is equal to the life expectancy when these programs began, the problem would be smaller and the little bit you should get from Social Security would pay enough that you could live with your family, or a group home if you had none.
I get what you're saying, and in a sense it's true that you're relying on future workers in your retirement. When it comes to universal public pensions, therefore, if it were cheaper to fund them through taxation then it would make sense to do so.
Pensions for public-sector workers, however, are completely different. Whereas universal public pensions are a form of guaranteed minimum income for retirees, pensions for public-sector workers are compensation for services rendered. In this case, the government's role is no different than that of any other employer. You wouldn't say that Ford should pay its current employees' pensions out of future revenues. That cost is a part of the cost of building today's cars, not those that Ford will be making in 20 years.
Therefore, when you pay public sector pensions out of tax revenues, you're simply artificially reducing the cost of public services today, and inflating their cost in the future. Financially-speaking it's no different than deciding to pay for public services services by issuing bonds, not just during a recession, but over the entire business cycle.
That was known for a long time. It is very easy to spot any democratic state through the level of debt. But, as always they will easily blame the republicans for e everything.
No, just what they are responsible for: Mission Accomplished.
State and local governments in the U.S. have three times much bonded debt as they do public pension debt. How is public pension debt such a burden while all other state and local government debt (300 percent greater debt) is not a burden?
How is the fact that state and local governments have not "banked" the three percent of future revenues needed to support their public pension debt a "crisis," while the fact that state and local governments have not banked the 97 percent needed for all other future public expenditures is not a "crisis." Doesn't fit the political agenda does it?
The return assumption for PRIVATE sector defined benefit pension plans in the U.S. is now 8.1 percent, higher than the return assumption for most public sector defined benefit pension plans. Good enough for the private sector, not good enough for the public sector?
The ratings agencies, Fitch and S&P believe public pension systems to be well-funded at 80 percent actuarial funded ratios, the average funded ratio for US public pension systems is currently in the 70s. Why do you consider debt owed by "well-funded" pension systems to be a "crisis"?
You are correct that taxpayers have to make up any shortfall in order to meet their pension debt obligations.
The issue with pension obligations is not just their size, but that they're not being properly accounted for. Thus States are more likely to find themselves unprepared to meet them.
Also, "in the 70s" is less than 80. Thus the average public pension system in the US is not "well-funded".
Wrong, they are being accounted for, just not in a manner to the liking of those who despise public employees and wish to drag them down. You will notice that articles like this magically disappear when the economy is expanding, but return with apocalyptic vigor when we are in a recession. Using a downturn to stomp on working people is inhuman.
Public employees are somewhat inhuman, more like zombies, if you ever had to deal with them.
Probably because the funding ratios of pension funds are much higher when equity prices are at their peak.
Particularly my local Dept of Building Safety, it seems.
Definition of BIGOT
: a person who is obstinately or intolerantly devoted to his or her own opinions and prejudices; especially : one who regards or treats the members of a group (as a racial or ethnic group) with hatred and intolerance
You seem to fit the definition rather well, particularly the first.
The extent to which Americans and their governments care about minutiae and ignore the important will never cease to amaze me.
Am I missing something here? Detroit is on the verge of declaring bankruptcy as have or are other cities and towns, particularly in California. Maybe my perspective is warped but those are pretty big deals to me.
Exactly my point, American governments have ignored the critical issues to the point of bankruptcy while focussing attention on things like gay marriage, abortion, etc. and their equivalents at the state and municipal level e.g. big drinks.
I get it now. We desperately need a conservative party that can hold the side of the argument for small government and less (or at least better) regulation. Instead, we have the party that obsesses about gays, guns, and abortion.
Yes, we need small government so I can produce toys that have lead paint on them. Hooray!!
To be fair I don't think it's the extent of your government that is the issue. The problem you (and I) have is that politicians are not held to the same accounting standards as a public company.
Also any promises made are virtually risk free. Indeed it would be counterintuitive to tell the truth to your potential electorate.
My country is very slowly waking up to the cost of supporting an increasingly aged population but we haven't even begun to seriously tackle later life healthcare costs.
That is not the problem, Hitch. That is a symptom of the problem. The problem is the incestuous relationship between government employee unions and politicians. That, coupled to low voter turnout, allows these unions to dominate local politics.
In the state where I live a law was passed to require local elections to coincide with state and federal elections. The government unions and the politicians who depend on their support are screaming like weenies roasting over a campfire. Why? Because voter turnout will go up - from 20% to 80%. Too many voters who have no financial interest in these pensions will be voting.
If rates are not cut we are in for large tax increases? I don't think so spuddly. I think the pensioners are in for massive cuts in their pension. Why you didn't add that as an option shows where you come down on the political spectrum. You and your type are the people that got us into this mess. The thinking is that the taxpayer will be on the hook...well no. the pensioners that believed their leaders stupid promises (and the politicians they elected to give them these unsustainable benefits) will be the ones most hurt. Never doubt this for a second. No one is going to buy off on massive tax hikes to keep someone elses stupid promises.
I hope you are right but I'm not holding my breath. What matters? Voting matters and those who are in line to get these benefits vote. Those who are going to pay, especially the relatively young (those in their 20s) don't vote in nearly the same numbers.
There is one small problem with that. Public employees known as judges will probably disagree since a debt is a debt. So, when the private sector banks fail the taxpayer can be on the hook, but for working class people many of whom risked their lives for self-absorbed people like you can be stabbed in the back.
Not likely, SBC. The public employee unions have too much power.
Medicine, if you learned the difference between defined benefit and defined contribution you would understand the root of the problem and your arguments would be more logical.
One method that would add a whiff of transparency to the value of a pension, is to require every pension plan to permit anyone to buy into the pension at whatever the actuary estimates is the present value of the future pension (limit one per SSN please, and changing plans means forfeiting the buy in price of the previous plan). If the valuation is accurate, buy in will be revenue neutral.
I suspect the typical grossly underestimated present value of public pensions would suddenly be flooded by buyers fleeing the brutal private sector reality, chasing the dream world created by politicians...
Todays Wall Street Journal has an interesting article: "Behind Illinois's Pension Saga.
The graph shows that Illinois' Annual Required Pension Contributios grew from $3.0 billion in FY 20016 to $6.6 billion in FY 2012.
That's an increase of $3.6 billion in six years.
OR an increase of 120% over six years,
which equates to an average increase of 20% per year.
It does take much brainpower to figure out why Illinois is in deep doo-doo.
Many state employees claim their generous retirement benefits make up for lower pay. That may (or may not) have been true in the past but today the government is hiring similarly qualified people at the same or lower pay and not offering the new employees overly generous retirement benefits.
If retirees receive a percentage of their final pay then their final pay should be at a lower pay rate. Retirement benefits are part of the total compensation. Let government employees choose between earning the wages and benefits paid to new similarly qualified employees or keeping their extravagant retirement benefits and receiving a lower salary. The cost of these two options should be the same to the taxpayer.
I'm a new public employee (municipal, not state), coming out of the private sector. When I took this job, I thought the salary was low (much lower than the median for the area), but I needed a job after a lay off. Everyone I talked to said, "but think of the benefits!" Let me tell you, the benefits are TERRIBLE. As I commented above, they require I put 11% into a low yield pension fund, but if I leave within 10 years, I get NO interest, and no alternative for using that money. The healthcare is way, way more expensive than anything I've had in the private sector with huge deductible and I get fewer benefits. On top of it I still work a minimum of 50 hour weeks so there's no public employee slack off going on...don't believe anyone who tells you public employment is a good deal!
Bugs10, Your statement may be true for a municipal worker from Tim-Buck-To, but I assure you, if you were a California state employee, even with no highschool (just GED) you would retire with a pension and helath plan that has a present day value in excess of $3 million.
I too was laid off in 2010 and took a lower paying job wioth worse working conditions. I have since found a better job.
Where I live state workers no longer get the generous pensions of senior employees but the senior employees salary has gone up to match what similarly skilled new hires earn. If the extravagent pension is a percentage of final pay and is to make up for lower wages, people that have these pension benefits shouldn't get the same pay as employees that don't get the good pension.
I'm from Westchester County. Cops in my town start - at age 22 - at $68,000 with unlimited overtime. Then when they're 50 they work 80 hours a week and even though their base salary is "only" $110K, with OT they make in the low $200K and their pension is 40% of that. Guaranteed. Forever.
Not sure where you are but when I was in graduate school I was a research assistant and classified as a state employee with state employee benefits. My wife went through an entire pregnancy, c-section and a week in the hospital and we never saw a single bill, co-pay or out-of-pocket expense. When I completed my degree and took a new job my colleagues were all raving about how great the benefits were and yet I was wondering what in the heck they were talking about because now I was getting all these bills - co-pays, deductibles, premiums, etc.
I am glad you began this article comparing public vs private pensions!
If a private pension fund manager ran the fund with the same rules public pensions are allowed to use, he would be tossed in jail! Public pensions are designed for corruption: a private fund must be operated by someone financially certified, public pensions can put any innumerate in charge, no certification required. Private pensions are required to use bond yields for rate of return calculations, public pensions can use ANY number they want! Just pull it out of the air!
Our political filth should be pulled out of their holes and charged with criminal behavior......oh that's right, ponzi schemes are only illegal in the private sector, the public sector scum can legally form whatever debt ponzi scheme they want to benefit themselves at the expense of taxpayers; producers. I hate these people!
Keep in mind, many private pensions have been raided to pay for executive compensation like golden parachutes and then the companies cut them dramatically so that the workers that have put into them for years are out of luck. "Retirement Heist" by Ellen Schultz is eye-opening and everybody should give it a read before claiming that private pensions have a great track record!
Dude, I don't have to read some book written by some leftist liberal freak show. I know the law. Private pension plans cannot be "raided", but they can be "underfunded" and all private sector pension plans are insured by the federal government (PBGC).
Also, remember this sault, your college professor was a government employee...you can't just allow these liberals to brainwash you.
You state thst "all private sector pension plans are insured by the federal government". They are not. See the following directly from the PBGC website Q&A.
PBGC insures defined benefit plans offered by private-sector employers. PBGC does not insure defined contribution plans, which are retirement plans that do not promise specific benefit amounts, such as profit-sharing or 401(k) plans.
Also, the guarantee is not entirely iron-clad. See the following also from the PBGC website..
PBGC's maximum benefit guarantee is set each year under provisions of ERISA. The maximum guarantee applicable to a plan is fixed as of that plan's termination date except for cases where termination occurs during a plan sponsor's bankruptcy, in which case the maximum guarantee may be fixed as of the date the sponsor entered bankruptcy. An earlier date also may apply to certain airline industry plans.
For 2013, the maximum guaranteed amount is $4,789.77 per month ($57,477.24 per year) for workers who begin receiving payments from PBGC at age 65. The maximum guarantee is lower if you begin receiving payments from PBGC before age 65 or if your pension includes benefits for a surviving spouse or other beneficiary. The maximum guarantee is higher if you are over age 65 when you begin receiving benefits from PBGC.
If your plan was created or amended to increase benefits within five years before the plan's termination date, your benefit may not be fully guaranteed. PBGC guarantees the larger of 20% of the benefit increase or $20 per month for each full year the benefit increase was in effect.
If you become eligible for additional benefits as a result of an event such as the shutdown of a facility that occurs after July 26, 2005, and less than five years before your plan's termination date, the increase is not fully guaranteed.
Additional limits may apply if the plan terminated while your employer was in a bankruptcy proceeding and for certain airline industry plans.
Also, if your plan provides supplemental benefits, such as temporary payments, they may not be fully guaranteed. Generally, PBGC does not guarantee any monthly pension amount that is greater than the monthly benefit your plan would have provided if you had retired at your normal retirement age.
I find it interesting that you are a critic of your "liberal" college professor whom you wrongly assume is government employee (if you went to a private, non-state school) while simultaneously relying upon that same government to provide you with a safety net on your pension. Living it up on both sides of the fence.
Yes, and where do you find these private pension plans? In the crony-capitalist businesses: health, military industrial complex, finance, and auto. You know, the oligarchies of america, the ones cozy with policy makers. Bottom line, pension raiding is another failure of policy.
But that is very different from our political; filth institutionalizing corruption in public pension plans.
guest-wooinjl, I already know everything you posted. My mother-in-law gets her widower's pension through PBGC (the company her husband worked for went under). But my point is this: Liberals live in la-la land. Our country is going to crap because we have a massive welfare state that rewards bad behavior, and liberals turn a blind eye. If we waste time pretending that "corporations can steal our pensions" which just is not true, then the real problems don't get solved. We need to spend more time talking about welfare reform and less time pretending that if we shot all our CEO's all our problems would be solved.
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Succotash Salad with Buttermilk Avocado Dressing
Prep 25; Cook 20
Yield: 4 servings
Community Recipe from
- 2 ear(s) fresh sweet corn
- 1/2 cup(s) fresh or frozen lima beans
- 3/4 cup(s) buttermilk
- 1/2 avocado, halved, seeded and peeled
- 1 tablespoon(s) fresh snipped parsley
- 1/4 teaspoon(s) salt
- 1/2 cup(s) green onions chopped
- 1/4 teaspoon(s) dry mustard
- 1/4 teaspoon(s) ground pepper
- 1 clove(s) garlic, minced
- 1 head(s) butterhead/Boston lettuce
- 2 cup(s) sliced, grilled chicken breast
- 6 slice(s) bacon, cooked and crumbled
- 1/2 cup(s) finely chopped red onion
- 1/2 cup(s) crumbled feta or blue cheese
- 1. Cut corn kernels from cobs; set kernels aside. Discard cobs. In a small saucepan bring 1 cup of lightly salted water to boiling. Add lima beans and simmer about 15 minutes or until tender. Remove with a slotted spoon; set aside. Add corn to saucepan. Simmer about 3 minutes or until tender; drain. Set aside.
- 2. For dressing, in a blender combine buttermilk, avocado, parsley, salt, onion powder, dry mustard, pepper, and garlic. Cover and blend until smooth. Pour into a small pitcher.
- 3. Line a large platter or four serving plates with the lettuce. Arrange chicken, crumbled bacon, corn, lima beans, onion, and cheese in rows on lettuce. Serve with dressing.
June 2013
This recipe is a personal recipe added by kateseats59 and has not been tested or endorsed by MyRecipes.
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Founded in 1787, Marylebone Cricket Club is the most active and famous cricket club in the world and owner of Lord's Cricket Ground - the Home of Cricket.
© Copyright 2015
Nick Compton, is relishing the prospect of leading England Test skipper Alastair Cook when he captain's MCC on their Champion County tour.
Read moreChaminda Vaas and Marvan Atapattu have been awarded Honorary Life Membership of MCC.
Read moreOne lucky competition winner enjoyed a special Lord's Afternoon Tea with Downton Abbey butler Jim Carter in the Writing Room at the Home of Cricket.
Read moreMiddlesex and Ireland bowler Tim Murtagh tells Lord's Podcast that Steven Finn will be a "real threat" at the ICC Cricket World Cup.
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Read moreAlastair Cook to feature in MCC team for annual curtain raiser against Yorkshire in Abu Dhabi.
Read moreAfter many, including Glenn Maxwell, were caught out by a change to the Laws regarding Boundary catching, MCC clarifies the circumstances surrounding the Cameron White catch.
Read moreWorld Cup winning captain Charlotte Edwards believes England's men can spring an upset in the forthcoming tournament in Australia and New Zealand, despite being among the underdogs for the competition.
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Wolfenstein 3D is back on XBLA/PSNWith Wolfenstein: The New Order's release date nearing, Bethesda has relaunched "the game that started it all" on Xbox 360 and PS3. Yes, Wolfenstein 3D is once again available on the Xbox Live Arcade and PlayStation Network (400 Microsoft Points/$4.99 respectively) in North America, with a European release coming soon. Wolfenstein 3D was originally put out on XBLA and PSN in 2009 by Activison. Bethesda would go on to purchase id software, the team behind Wolfenstein 3D, later that same year, and the game was then delisted in 2012. Wolfenstein 3D returns to PSN/XBLA [Bethesda Blog] Comments not appearing? Anti-virus apps like Avast or some browser extensions can cause this. Easy fix: Add [*].disqus.com to your software's white list. Tada! Happy comments time again.
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I thought the paths of pain were ninjs that jiraiya met on his journeys. . .
although I never understood the point of that,
and yeah danzou does look more like madara especially with his eye patch but it still wouldnt make sense
i mean he could have just taken narutos kyubi a long time ago, and the whole thing of danso ordering black ops to spy on the uchiha. . .
but that eye patch. . .damn kishi. . .just show us whats behind tobis' mask alredy


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Blackburn Rovers Football Club
- Nickname:Rovers
- Founded:1875
- Manager:Gary Bowyer
- Ground:Ewood Park
- Capacity:31367
- Last Game: 24-Feb-2015 19:45
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Agents deny Roque exit talk
15 Oct 2008 - 12:47:18
The agents of Blackburn Rovers striker Roque Santa Cruz have dismissed reports quoting their client as saying that he would like to join Manchester City.
The 27-year-old Paraguay international was reported to have said that he wanted to join City to play alongside Robinho, with the Citizens now managed by former Rovers boss Mark Hughes.
However, Santa Cruz's Germany-based agents, JB Sports2Business, told the Lancashire Evening Telegraph: "I don't think there is anything at all in these comments.
"Roque would not be so stupid as to say things like this, even if it was to a small radio station in Paraguay.
"Every time we speak to him he is very happy at Blackburn, that is why he signed a new contract this summer. Roque is not trying to line up a move away.
"There have been a number of stories in the newspapers saying he has said this, but every time we speak to him he says there is no truth in him looking for a move.
"That is all we can say on the subject really. He is very happy at Blackburn and has no reason to be looking for a move away. We believe a lot of things written are rubbish."
Santa Cruz has netted 25 goals in 51 appearances for Rovers since his arrival from Bayern Munich in the summer of 2007 and signed a new four-year contract at Ewood Park this summer.
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Innovative Power Options Target Industryâs Hottest Cameras
MEXICO CITY, MEXICO – Anton/Bauer, a brand of The Vitec Group, and the worldâs premier provider of batteries, chargers, lighting and other mobile power systems for the professional broadcast, video and film industries, will demonstrate the advanced capabilities of its power solutions and accessories to Mexican broadcast and video professionals at Telemundo 2011 (Stand 1). Anton/Bauer will showcase the new MATRIX Cheese Plate, a new mounting plate that can be used with the companyâs Gold Mount Solutions for the Sony PMW-F3 camera; Canon EOS 5D Mark II, EOS 7D and EOS 60D Digital SLR cameras and Panasonic AG-AF100 series professional HD camera. Additionally, Anton/Bauer will display the DIONIC HCX 120 watt-hour capacity battery.
The MATRIX Cheese Plate mounting bracket is for 15mm or 19mm rod systems (15mm or 19mm clamp kits sold separately), to be used with Gold Mounts for:
⢠QRC-DUAL PT â Gold Mount with 4-pin XLR and two PowerTap outputs for the Sony F3. Also mounts directly to the AJA Ki Pro Mini as well as many manufacturersâ âcheese plates.â?
⢠QR-DSLR â 7/14 Gold Mount for Canon 5D, 7D and 60D.
⢠QR-VBG â 7/14 Gold Mount adapter for the Panasonic AG-AF100.
⢠QRC-EPIC â Gold Mount for Red EPIC with two auxiliary PowerTap connectors, and power cable with 6p LEMO power connector.
These Gold Mount solutions can also be used on support rigs such as Cinevate, Shape, Redrock Micro and Genus, among others, or with a pouch.
Providing a secure snap-on approach to keep the battery in place from any position, the Gold Mount provides three solid mechanical connections that âlockâ? into place, providing secure contact for a steady stream of uninterrupted power, and self-cleaning gold-plated pins rated for high-current. The Gold Mount provides an interchangeable battery system using a forward compatible approach originally developed by Anton/Bauer. This system allows for new cell chemistries as they are developed, allowing a battery introduced today to perform seamlessly on a current charger purchased 10 years ago, with only a simple firmware upgrade.
Anton/Bauerâs DIONIC HCX High-Current Battery is the companyâs latest addition to its successful DIONIC series high-current battery line and offers a 120 watt-hour battery capacity and a unique motion detection sensor that protects against capacity loss. After a two-day period without a load, the DIONIC HCX automatically goes into âdeep sleep,â? significantly reducing self-discharge and allowing extended storage with nearly zero capacity loss. To âawakenâ? the battery for normal use, customers need only move the battery, thus activating the motion detection feature and as a result, âwake upâ? the battery. This new motion detection feature significantly increases the overall life of the battery by mitigating lithium-ion battery self-discharge when the battery is not in use. To provide precise run-time data, an enhanced LCD RealTime® fuel gauge has been incorporated to display up to nine hours of run-time (under low power load conditions) using a 7-segment display enclosed by four circular arcs that indicate 15-minute time intervals.
About Anton/Bauer
Anton/Bauer is recognized as the worldâs innovator and premier provider of batteries, chargers, lighting and other key mobile power systems for the professional broadcast, video and film industries. Based in the United States in Shelton, CT with offices in Europe and Asia, Anton/Bauer was established in 1970 and has expanded its product offerings to include many signature lines such as its leading Gold Mount system, InterActive® chargers and Logic Series batteries such as the HyTRON 50, 100 and 140, and DIONIC 90, 160, HC and HCX. Their products are compatible with virtually every camera brand on the market today. Other Anton/Bauer high performance products include the Ultralight, ElipZ, ElightZ, CINE VCLX and CINE VCLX/2. Their superior-quality products have become an industry standard. For more information on Anton/Bauer, visit www.antonbauer.com.
A Snapshot of The Vitec Group
Vitec is an international Group principally serving customers in the broadcast, photographic and military, aerospace and government (MAG) markets. Listed on the London Stock Exchange with 2009 revenue of £315 million, Vitec is based on strong, well known, premium brands on which its customers worldwide rely. Vitec is organised in three divisions: Imaging & Staging, Videocom and Services. Imaging & Staging designs, manufactures and distributes equipment and accessories for photography, video and events. Videocom designs and distributes systems and products used in broadcasting and live entertainment, film and video production and MAG. Services provides equipment rental, workflow design and technical support for camera, video, audio, fibre optic and wireless technology used by TV production teams and film crews. More information can be found at www.vitecgroup.com.
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On the second part of the challenge it dosnt even realize that i send my score in, it has been extremely frustrating.
Look in to this
Have you read the sticky?
Plus, no one can look into your issue if you don't provide details.


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Airfone is a new generation Mobile Phone Company which believes in providing its customers the latest technology in the cheapest prices. We believe in value products with no compromise on the quality.We are pioneers in low cost dual sim technology with dual sim multimedia phones starting at Rs 2399.All our models have Mp3 Player FM radio and TF card support. They are loaded with features and looks.We will offer wide service network across India with a 1 year limited warranty for the consumer
Read more at http://www.airfone.in/


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I just brewed and bottled my first two batches of beer using Mr. Beer barrells and modified MB recipes which are below. I used the MB yeast that came with the HME. I am going to brew to more batches of the same but want to use different yeast to see the difference in taste if any. Want to use dry yeast since I am an FNG to brewing. Any suggestions? LB OktoBier Fest 1 can MB Oktoberfest HME 20 oz. Bavarian Wheat DME * ¼ oz. Hallertau pellet hops* LB Bavarian Bronze 1 can MB Oktoberfest HME 1 lb Golden Light DME* 1 Full pouch MB Booster ¼ oz Hallertau pellet hops* Thanks in advance
Most dry yeasts are fairly neutral as far as the yeast's flavor contribution to the brew. At best, you'll get a very subtle fruity ester from dry yeasts like S-05, S-04, Nottingham, etc.. You really need to get into the specialty liquid yeasts if you want to get a noticible flavor contribution to the beer, and even then not many beer styles are known for the yeast's flavor contribution. I'd go with a 1007 German Ale yeast for the OktoBier Fest, and the 1028 London Ale for the Bavarian Bronze.
Primary #1 - Midnight Ryeder (Midnight Wheat and Rye) Primary #2 - Mango Habenero Berliner Weisse Primary #3 - EMPTY! Secondary #1 - Downtown Flanders Brown (brewed August 2012) Keg #1 - Oktoberfest Keg #2 - Chamomile Honey Wheat Keg #3 - Pumpkin Ale Bottled - NONE!
It all depends what you want to brew. I can relate to wanting to start with dry yeast and I think you can get some decent be it limited dry yeast to make some good beer. They make a dry yeast from safale called us-05 which is a pretty neutral strain it's good for beers like pale ales- ipa- American browns think beers which the flavor comes mostly from Malts or hops. They also make S-04 which is a English strain think esb-English browns etc. I like this strain it had a subtle but definite yeast contribution. There are a lot more dry yeasts like Belgian profiles - Us-06 for wheat beers which the yeast definitely will contribute to flavor as well as a few lager strains though I was never fond of them. Best of luck.
You will get better results with either Fermentis or Danstar dry yeasts than with the Mr. Beer yeasts - good choice! For the top beer, with the Wheat DME, if you want to try something like a German weiss beer, you could ferment it Danstar's Munich yeast. It should give you esters and banana flavors typical of a German weiss beer, and perhaps leave your beer a little hazy. http://www.danstaryeast.com/products...eat-beer-yeast For either beer, you could try Danstar's Nottingham yeast, a versatile yeast that will provide a cleaner yeast profile, especially if fermented in the low 60s F. http://www.danstaryeast.com/products...gham-ale-yeast Good luck!
Thank you all for the info. Obviously very green when it comes to brewing but want to soak in as much as I can for I am hooked.
I think I'm going to go with the Safale S05. With me using the MB barrel which is only 2 - 2.5 gallons do I use the entire pac or just half since most recipes are for 5 gallons?
A Safale T-58 European Ale is decent in Oktoberfest style beers . And don't let anyone tell you that there is anything wrong with dry yeast. It works as well or better than liquid. They just don't have as many styles
Nothing Beats a Fool's Luck . . . and I am the Master Fool.


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Harry Styles Hit By Shoe In The Crotch - Hires New Security!
Tuesday 5:22 PM, 05/03/2013
You guys might remember how One Direction star Harry Styles was hit by a shoe in the crotch the other week, and that he wasn't very happy about it. It all happened during a concert where a very excited fan happened to throw their shoe right at him, which made him very concerned. Now he's hired a new security guard to make sure no more crotch incidents will occur on stage. "Harry is not joking, he's taking the situation very seriously", a friend of his says. "He may have looked casual and jokey lying on the floor but behind the scenes he was freaked out". We see how he's afraid, no one should be assaulted on stage! (entertainmentwise)
Hot News
One Direction


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Paula Deen's Famous Foolproof Standing Rib Roast
From Delish
This recipe is nothing more than good meat done right. Perfectly medium-rare, nice and
pink at the center, the roast slices up so pretty. And since all youve got to do is season it and leave
it in the oven, youre freed up to make a few nice sidesmaybe spoon bread or mashed potatoes,
plus asparagus or green beans.
To get more of Paula Deen's delicious recipes, pick up her cookbook Paula Deen's Southern Cooking Bible .
PAULA DEEN'S SOUTHERN COOKING BIBLE by Paula Deen with Melissa Clark. Copyright © 2011 by Paula Deen. Reprinted by permission of Simon & Schuster, Inc, NY.
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Nutritional Information
(per serving)
Calories | -- |
Total Fat | -- |
Saturated Fat | -- |
Cholesterol | -- |
Sodium | -- |
Total Carbohydrate | -- |
Dietary Fiber | -- |
Sugars | -- |
Protein | -- |
Calcium | -- |
Ben Fink
Serves: 6
Yields: 6-8
Total Time: 1 hr 30 min
Oven Temp: 375
U.S. | Metric | Conversion chart |
- 1 5-pound bone-in standing rib roast
Paula Deen's House Seasoning (Makes 1 1/2 cups)
- 1 cup(s) salt
- 1/4 cup(s) freshly ground black pepper
- 1/4 cup(s) garlic powder
- Allow the roast to stand at room temperature for at least 1 hour. Meanwhile, preheat the oven to 375 degrees F. Place a roasting rack in a large roasting pan.
- Rub the roast all over with 1 tablespoon House Seasoning. Place on the prepared roasting rack with the rib side down and the fatty side up. Roast for 1 hour. Turn the oven off. Leave the roast in the oven but do not open the oven door for at least another 3 hours (it can sit in the oven for up to 6 hours after roasting). About 30 to 45 minutes before serving time, preheat the oven to 375 degrees F. Reheat the roast until a meat thermometer inserted in the center of the meat reads 120 degrees F. The result? The most perfectly cooked rib roast you have ever tasted!
From PAULA DEEN'S SOUTHERN COOKING BIBLE ©2011 Simon & Schuster, Inc, NY - Buy the book
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International diplomacy has failed to stop the violence, and world powers remain deeply divided over who is responsible and how to stop it. The U.S. and many Western nations have called on Assad to leave power, while Russia, China and Iran have stood by the regime.
On Monday, Russian Foreign Minister Sergey Lavrov accused the West of using blackmail to secure a U.N. Security Council resolution that could allow the use of force in Syria.
Lavrov objected to the text of a Western-backed resolution that calls for sanctions and invokes Chapter 7 of the U.N. Charter, which can be enforceable militarily.
He said Russia had been told that if it opposed the resolution, Western nations would not extend the mandate of a U.N. mission sent to Syria to monitor a cease-fire.
"We consider it to be an absolutely counterproductive and dangerous approach," Lavrov said.
International envoy Kofi Annan, who has made little progress in brokering a political solution in Syria, met Russian leaders in Moscow on Monday. The meeting — the latest in Annan's efforts to save his faltering peace plan — comes a day after the conflict crossed an important symbolic threshold, with the international Red Cross formally declaring it a civil war, a status with implications for potential war crimes prosecutions.
Monday's fighting suggested that deep cracks were appearing in the tightly controlled facade of calm that has insulated Damascus from violence throughout the uprising.


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Going overboard in New Jersey
Thursday, January 16, 2014
What a bizarre spectacle. Assuming he did not lie during his marathon news conference last week, the feeding frenzy surrounding New Jersey Gov. Chris Christie will be remembered as one of those incredibly odd moments of elite journalistic hysteria that are difficult to explain to people who weren't there or didn't get it.
Many conservatives see liberal media bias in all this. But that diagnosis misses the fact that this was the 50th anniversary of the War on Poverty, giving producers ample opportunity to advance a liberal agenda. Moreover, Christie is actually quite popular in establishment media circles — the sort of politician Sunday-show liberals insist America needs more of. He's also quite unpopular in many quarters of the right.
The allegation that the Obama administration used the IRS to target political opponents is far more explosive (similar tactics were at the core of the Nixon impeachment effort). And, unlike Christie's claims of what he knew and when, similar White House denials haven't held up.
That probably explains the overkill as much as anything. Christie is new, exciting and interesting in ways Obama once was. The difference is that when Obama was new and exciting, the media were biased in every regard and heroically skeptical of any Obama wrongdoing. "We thought he was going to be ... the next messiah," Barbara Walters recently said. The cult of personality has diminished but the partisan skepticism remains. |


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Best Buy-Out Looms! No Exchanges, No Refunds!
NEW YORK ( TheStreet) -- It says a lot about the depths to which a company has fallen when its biggest compliment is "At least we weren't as bad as the next guy". That's all well and good so long as the "next guy" is not hanging on for dear life.
In this case, the "next guy" is Radio Shack (RSH) and the company to which I'm referring is electronics retail giant Best Buy (BBY - Get Report), a company that has now arrived at the crossroad with some serious decisions to make.
The company's founder and largest shareholder, Richard Schulze, recently offered to take the company private. I would imagine the terms of the deal ($24 to $26 per share) were considered unfavorable since it appeared Best Buy's board wasn't exactly doing cartwheels around its headquarters.
But I wonder if the bid, regardless of amount, is what the company's shareholders should favor at this juncture. It's hard enough that Best Buy is losing ground in its dinosaur big box model to others such as Wal-Mart (WMT). But can it ever overcome the biggest threat to its future, from Amazon (AMZN)?
If the company thinks it can, then it is fairly an easy decision to make. Continue on as it has and give its newly hired CEO, Hubert Joly, enough time to turn things around. But how long are investors willing to wait? It seems it would be easier to bow out gracefully by accepting Schulze's offer and look for greener pastures. "Green" is something the company may not see again for quite some time. This was especially evident in its most recent earnings report. Best Buy's fiscal second quarter was pretty bad. Although revenue arrived somewhat better than the worse forecast (how's that for glass-full?), sales dropped by 3% annually. Even more problematic was the 3.2% drop in comps, reminding investors there are bigger fundamental problems than initially feared. What's more, its one-point decline in margins reflected an eroding model while its operating income dropped by 50%. The result was a significant miss with a reported 20 cents per share; analysts were expecting 33 cents.Check Out Our Best Services for Investors
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This is the year of the eBook, and mobile devices, mobile apps and Kindle are hot. We'll showcase all the latest OverDrive features, services, and materials to help your library successfully navigate eBook lending.
2011 is all about a fresh experience for digital users … smarter Help, faster searches, expanded collections, and simplified choices. Learn how you can guide excited users to a successful experience.