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Your 2017 Retirement Review, complete with your updated Retirement Readiness Score, is available now.
Your Retirement Review is a personal statement that is designed to show you the monthly retirement income you could have from your UC retirement benefits, assuming you retire from UC at age 65, or your age plus three years if you are currently 62 or over.
It includes a readiness measure—the Retirement Readiness Score—that can help you quickly determine how you're tracking toward your retirement goals.
Here's what you need to know.
Your Retirement Readiness Score is the percentage of your current income that you're on track to have at retirement, assuming you work for UC for the rest of your career and retire from UC at age 65, or your age plus three years if you are currently 62 or over.
The score is calculated from the potential retirement income provided by your UC retirement benefits: your UC Retirement Plan (UCRP) pension and your voluntary savings in the UC 403(b), 457(b), and DC Plans.
The Retirement Review includes both your savings and your UCRP pension benefit.
The Retirement Review is an estimate based on your recent compensation data. The actual amount of your final pension benefit depends on how long you work for UC, your highest average pay, and other factors.
What does this mean for you? You may need to save some of your own money to maintain the standard of living you're used to. And that's where UC's Retirement Savings Plans (UCRSP)—the UC 403(b), 457(b), and DC Plans—come in. Together, UCRP and the UCRSP help give you the best chance for financial security when you retire.
Yes. The Retirement Review includes a modeler that lets you explore different assumptions, such as the amount you save in the UC 403(b) or 457(b) Plans, or the age at which you retire.
You can use the modeling tool to add in other sources of retirement income, including an IRA and Social Security. Have an old 403(b) or 401(k) account? Enter it in the modeler too, but remember you have the ability to roll it over into one of your UC retirement accounts. You can even add in your spouse or partner's retirement assets to get a more holistic view of your retirement income.
* Your Retirement Review and Retirement Readiness Score assume you'll retire from UC at age 65, or your age plus three years if you are currently 62 or over
Fidelity Brokerage Services LLC, member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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5 Items Found
- Maynard's Port Fine White NV Product #31567 (In Stock)
A classic white Port, made to enjoy with a splash of tonic and a squeeze of lime - or just on the rocks all by itself! Bright flavors of lime zest, stone fruit, and a hint of toasted nut with a light sweetness and plenty of length to the generous, ripe, finish. Fun stuff!
- Maynard's Port Tawny 20 Year Product #30550 (In Stock)
A great example of what is perhaps the most classic style of "wood aged" or "Tawny" Port. Winemaker Alvaro van Zeller, formerly winemaker at Quinta do Noval, blends this from Port lots that have aged in barrel about 20 years on average. Plenty of richness and depth here but also a lively note of burnt orange peel and even a touch of fresh red berry. A delicious value!
"Maynard's is a brand from Alvaro van Zeller of Barão de Vilar. This 20-year-old is lush in its sweetness, with candied orange peel scents and ripe strawberry flavors that evaporate into a warm finish, lasting on scents of glazed chestnuts. A simple and delicious Tawny."Wine & Spirits 90 points
"The 20 Years Old Tawny Port (Maynard's) comes in at 109 grams per liter of residual sugar. A nice step up on the 10 Year Old Maynard's, also reviewed, this adds some weight, but more importantly, concentration of flavor--those old, classic Tawny nuances. Very pleasing, yet easy to drink, this is a charming 20 that should be available at a nice price."Wine Advocate 90 points
- Maynard's Port Tawny 40 Year Product #31447 (In Stock)
A stunning old barrel-aged Port in an equally stunning package. Just released and not yet rated, it's definitely a step up from the Wine Advocate 92-93 point 30 Year bottling. The aromas and flavors are all about toasted hickory and caramelized pecan with undertones of dried apricot and raisin fruit. Richly textured and very caramelized on the mid-palate before finishing dry and long.
- Maynard's Port Colheita 1950 Product #30547 (In Stock)
Sometimes called, "The Ladies' Vintage," 1950 gave fresh, elegant, and very pure wines and was a "declared" vintage for many Port houses and shippers. While there's certainly elegance here, there's also plenty of "umph" to the sweet and savory complexity of cured tobacco, orange peel, warm stone, fig, date, and dried plum aromas and flavors. Brisk on the finish, a wine to really savor.
- Maynard's Port Colheita 1934 Product #30549 (In Stock)
A limited treasure.
"The 1934 Colheita Port (Maynard's) is a blend of 25% Touriga Franca, 20% Tinta Roriz, 15% Tinta Amarela, 10% Tinta Barroca and 30% of traditional grape varieties (Sousão, Bastardo, Rufete, Sousão, Tinta Francisca, among others); coming in at 154 grams per liter of residual sugar. It is one of many fine 1934s I've had. It's a happy trend. This powerhouse is initially all about its power and it has quite a lot. I always recommend drinking Tawnies a bit cool, but double underline that here. Concentrated and complex, it isn't just about preening in its power, though it adds some sweetness on the finish and becomes increasingly complex and flavorful as it calms down a bit. Overall, it's rather stunning. Since the 80th birthday celebrations are over, you may as well sit it down and knock it back. It's pretty fine."Wine Advocate 96 points

subset: commoncrawl


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Results 1 to 1 of 1
01-09-04, 00:54 #1Registered User
- Join Date
- Dec 2003
- Posts
- 3
Unanswered: How Can I show pictures on the web
I am trying to make a database including some pictures and publish it on the web. Although, I cannot find any solutions to show pictures on the website. I stored picture information(like c:/mydocment/pic.jpg)
in the text field in a table and tried to show the table in Dreamweaver MX. Other fields are shown fine, but the field I stored picture information is blank.
I really appreciate some help.


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Sliding on a tea tray, glorified tobogganing and the like were the sort of dismissive comments that ignored or failed to understand the courage and athleticism needed to achieve that feat.
The death of Georgian Nodar Kumaritashvili on the ultra-fast and treacherous Whistler course should not have been necessary for the athletes taking part in the Winter Olympic sliding events to be given the esteem they deserve.
Anyone thinking beyond the stupid cliché should be able to understand that the G forces generated by hurtling down the ice at 90mph require the competitor to have tremendous musculature to maintain a rigid position.
The ability then to make minute adjustments to take the best line into and out of multiple bends takes not only physical prowess but the ability to sustain intense concentration at high stress levels, with reaction times measured in tenths of a second.
Whatever the outcome of the challenge from Britain's athletes, let us hear no more of the rubbish parroted by the indolent and ignorant.


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Interest rates dominate campaign as car industry calls for help
With the federal election campaign approaching its final two weeks, the economy has now emerged as the dominant issue.
VIRGINIA TRIOLI: With the campaign approaching its final two weeks, the economy has now emerged as the dominant issue. But while the politicians argue about interest rates, one of the major banks is warning it may increase mortgage repayments for its customers before Christmas whether there is another rate rise or not.
From Canberra, Hayden Cooper reports.
HAYDEN COOPER: More shopping mall chaos to round out week four. Taking the good with the bad, John Howard caused quite a commotion in Penrith.
JOHN HOWARD: Oh, there's mummy. Ah, isn't she gorgeous?
HAYDEN COOPER: One shopper was flattened, knocked out by the media scrum. As his security staff helped out, the Prime Minister moved on.
HAYDEN COOPER: In Adelaide, more of the same, minus the injuries. Kevin Rudd has done so many shopping centres, he is losing track.
KEVIN RUDD: What's the name of the centre? Teatree Gully? Teatree Plaza.
HAYDEN COOPER: Both leaders are still fighting on the economy and interest rates.
JOHN HOWARD: Mr Rudd has no policy to keep inflation down. He has no policy to keep pressure off interest rates. He has a policy to increase unemployment.
KEVIN RUDD: Classic John Howard, taking the credit when there is good economic news, avoiding responsibility when there is bad economic news.
HAYDEN COOPER: There may be more bad news coming for homeowners. The NAB and the Commonwealth Bank have now moved to lift their rates and at least one is warning it may move again before Christmas, even if the Reserve Bank leaves official rates on hold.
JOHN STEWART, NAB: Right now, we are carrying that cost, so as you can imagine, you know, I am not entirely comfortable about that. So I would have thought that we can probably do that in the next month or two.
HAYDEN COOPER: There mail be little the Prime Minister can do to stop the move but he does point out the bank's massive profit.
JOHN HOWARD: We don't think there is a case for banks putting up their interest rates beyond official increases unless there is demonstrable evidence that the cost of their funds has risen.
HAYDEN COOPER: Costs in the car industry are also sparking concern, in a leaked submission from the Prime Minister's Department.
It warns that tough international markets "could result in the exit of Mitsubishi... [from Australia] in 2008, with serious question marks on Ford" too.
The Treasurer says there's another element that car makers are afraid of.
PETER COSTELLO, TREASURER: That the car manufacturers said they feared union militancy under a Labor Government. It should strike a chill into all Australians.
HAYDEN COOPER: All false, according to car makers.
ANDREW MCKELLAR, CHAMBER OF AUTOMOTIVE INDUSTRIES: The industry has not made representations to the Government as they have suggested, so it is completely wrong.
HAYDEN COOPER: Both sides are now firmly engaged on the economy as the campaign reaches the vital final fortnight.
Next week, both parties will hold their official launches in Brisbane and the pace is set to step up a notch. Coinciding with the serious end of the campaign, a new poll out on Sunday indicates one of the Government's front-line ministers may be in trouble at home.
The Galaxy poll in the Sunday Telegraph has Malcolm Turnbull ahead of his Labor rival George Newhouse in the Sydney seat of Wentworth, but the Labor vote has risen sharply since 2004 and these figures only account for 80 per cent of the poll result.
A significant vote for the Greens and other environment campaigners could assist George Newhouse.
VOTER: Hey Howard, what about signing Kyoto?
HAYDEN COOPER: A Labor ghost from last election also returned today - not to haunt the Prime Minister, but rather his opponent. Mark Latham has launched into print to claim a Rudd Government would be timid and conservative.
PETER COSTELLO: Very much a Labor Party insider. He was their leader as recently as three years ago.
JOHN HOWARD: There's nobody closer to Mark Latham than Julia Gillard.
KEVIN RUDD: I haven't read the article in question.
JOURNALIST: I have a copy here.
KEVIN RUDD: I thought you would. I haven't read the article in question.
HAYDEN COOPER: It's a Seinfeld election, says Mr Latham - a campaign about nothing. Hayden Cooper, Lateline.


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|30 Mar 2014
Virtualization Advice Needed
With so many problems faced by family members with viruses/spyware, programs getting installed by mistake while internet browsing, by people who are not as tech savvy, I've decided to set up the laptops to use internet only via a VM. Do not need XP mode. Two different scenarios:
(A) People might share a VM since they share a laptop
I think in this case with multiple users, differencing disk seems to be the way to go.
(B) Only one person using the laptop
In this case I was wondering if just a dynamically expanding VM will be good enough.
(1) A common question to both approaches is - Available hardware in both scenarios are HP laptops that do not have Virtual Hardware support in BIOS but have Win-7-Prof 64-bit on them. I was wondering if I could purchase and install 32-bit Win-7 as guest OS in Windows Virtual PC.
(2) For Approach (A), I can create differencing disks for different users and also have one differencing disk for myself. My plan is to use my disk for all updates/patches etc and then merge with parent disk. of course I will need to grab any required data in the user's differencing disks because my understanding is once parent disk is changed the diff disks become unusable. Does this sound like a plan?
(3)If yes to Q2, how do I merge my differencing disk with parent disk
(4) If yes to Q2, how do I get rid of the diferencing disks of other users?
(5) If yes to Q2, can differencing disk be set up with UNDO disk capability?
(6) For Approach (B), in which the machine is not going to be readily available to me and is available only when owners come and visit, I was wondering if I can train users in using regular VM with UNDO disk capability and they can undo whatever they have done in the VM in that session. But then the question arises, how to get regular updates/patches to the VM. Any suggestions?
Thanks for your assistance.
|My System Specs
|12 Apr 2014
Windows 7 Professional
I am not sure if this will help or not. I use a "sandbox" program called Toolwiz Time Freeze. It can be configured to automatically run when Windows 7 starts. It prohibits any and all changes to your computer (including any web links). When you turn off the computer all "changes" are discarded.
It also has the ability to be password protected. Meaning in your example, no one using your computers will be able to save or download anything (including PUP's, viruses, malware, etc.). You, on the other hand, will be able to turn Time Freeze off (so you can make changes, downloads, etc.) since only you know the password to turn it off. If you set it to launch with Windows, it should be almost full-proof protection, if I understand correctly your needs.
And did I mention it is free? Here is a link if you are interested:
ToolWiz Time Freeze « ToolWiz Software
Hope this helps
|My System Specs
|12 Apr 2014
W10 Pro desktop, W10 laptop, W10 laptop, W10 Pro tablet (all 64-bit)
Instead of setting up VMs by buying additional copies of Win 7, which could get expensive, use a Linux distro such as Linux Mint in the VM. Since it's just for internet browsing there will be almost no learning curve as internet browsing using a browser like Chrome or FireFox is pretty much the same whether Windows or Linux. If you use IE as the browser then you will need to install something like Wine to make IE work in the VM.
Your family would use the Linux VM when they are browsing the internet but could still use Windows 7 to play games or word process or whatever else they do.
Whatever way you go, make sure that whatever virtualization software you use supports taking a "snapshot". A snapshot saves the current configuration of the VM and will then allow you to revert the VM back to that snapshot. Similar to making a system image backup of a machine. That way, if the VM does pickup a virus or malware you can just revert back to the snapshot and be back with a fresh VM. I recommend using VirtualBox.
|My System Specs
|13 Apr 2014
I recently obtained a MSDN License so I can create at least 3 VMs with Win-7, so that is not an issue right now.
Am looking at Free VM - VirtualBox that does allow for snapshots.
So i need to know how difficult is it to set up differencing disks so that multiple people can have their own sandbox running off of a parent VM and if this is a recommended approach.
Thanks for your advice.
|My System Specs
|14 Apr 2014
Windows 10 Pro
No need to pay for the snapshots feature in a VM. My preference is vmware player.
When I create my VM's, I choose to store them in a single file, and then the vm is contained in 1 file. (Better performance too) Now, as long as system protection is enabled in windows 7, and set to 10% or higher, you will receive multiple restore points a day. Something bad happened in your VM? No problem. Right click the vm file, click restore previous versions. Or properties, restore previous versions.
Poof, vm back to whatever day you choose.
|My System Specs
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Psychologist Newport
A psychologist is someone who has been to university and finished a degree, there are all types of psychologists from researches, corporate psychologist and so on. Generaly a talk therapy psychologist has had experience in either hospitals, corporate EAP or some other field. At Newport we are located in a general practitioner surgey and will hapilly liase with your GP should you need it.
Newport Counselling
Counselling can be a life changing experience and we highly recommend speaking to your general practitioner
first and getting a refferal. Once a referral is given you are then able to claim the session with medicare.
What does Amber Mordaunt Psychology Newport specialise in?
At Amber Mordaunt psychology Newport we specialise in many mental health conditions. Our main areas of expertise are severe depression, severe anxiety, mid life crisis and much more. If you are suffering there is no need to suffer in silence a psychologist can help.


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Amazing booties of Sara Jay and Lexxxi Lockhart are made for doggy style
Description:When Sara Jay and Lexxxi Lockhart bend over, you might forget your name. Their shiny round booties are banged by one cock and the rest is too awesome to describe!
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STV Pest Control. The largest range of pest control products in the UK by STV that help to keep your home and garden free from pest and does exactly what it says on the packet.With over 20 years experience of pest control STV is a leader in innovation and technology of pest control. Humane and poison-free items are also included in the vast range of pest control at very affordable prices.
STV is the UK's leading supplier of professional pest control products for home and garden use and is now listed in preference to other historical brands by many of Britain&s best-know retailers.
Over the years, STV has built an outstanding reputation for delivery of innovative new product development. Its ranges are distinctly branded, each targeting different and specific pest problems.
As such, STV is the only UK company that delivers a comprehensive, easy-to-shop pest control range along with a promise to consumers of Pest-Free Living.
The Claw mole trap from defenders is an effective catch and kill trap based upon a traditional design in use throughout the UK for most of the last Century. A stainless steel sprong and durable galvanized trap-parts will ensure years of easy and reliable setting. For best results use several traps at a time, setting them in adjacent runs to surround the area where moles are active.
Catch and kill trap for protection of lawns, gardens and seedbeds Strong spring action galvanised for rust free durability Setting instructions included Suitable for all weather Pet safe
Facts about moles
Worms are the mole's major foodstuff and each mole must find around 200 worms a day to survive Males and females live apart most of the year, but ibn breeding season males dig over large areas in search of a mate Moles can create 20 metres of fresh tunnels everyday
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Notify me of updates to DEFENDERS Mole Claw Trap Professional For Lawns and Seedbeds Pet Safe STV300 *Out of Stock*


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Firebird 2015 AD Trailer (1981)
18 September 1981 Action, Sci-Fi, Romance 97 mins
In one of many unpopular and unsupported policy decisions, the US government of the near future outlaws vehicle petrol in an effort to curb the overuse of limited natural resources - except, of course, for official purposes. There are many renegades who oppose the authorities, and will stop at nothing to allow themselves the freedom of burning around the countryside.
Watch the official Firebird 2015 AD 1981 trailer in HD below or find more Firebird 2015 AD videos on Vidimovie.


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We asked for personal accounts of pet adoptions and the response was overwhelming! We're proud to announce the following 10 finalists as the picks of the litter!
- SECOND CHANCE SNAPSHOT: I wanted to adopt a cat as a companion for Sam our 13 year old rescue cocker spaniel. At the shelter the little tuxedo cat Lucinda chose us. When Lucinda ambled out of her kitty tent she began rubbing against my leg and head-butting me — imploring me to choose her. Lucinda fit right in at our home and continually amazed us. We delighted in her unique personality and her endearing quirks. And she offered Sam comfort in his last days and it warmed my sad heart. She could often be found lying near him on the carpet. After Sam passed away, Lucinda began to act just a little more dog-like as if she decided to fill Sam's place. She now greets us at the door when we come home from work.
- TRADEMARK TRAIT: Backbone of the family.
- FROM THE HEART: "We treasure Lucinda as the princess of our home."
— Leah Anderson, Richmond, CA
- SECOND CHANCE SNAPSHOT: Woody was 7 weeks old and had been shot with a bow and arrow. I took him home and only planned to foster him until he was healed. Our little Woody required much more treatment than originally thought. His leg was completely severed in two and his wound had to be flushed out three times a day at home and twice a week at the vet. After clearing up a hidden infection, Woody was like new and has been running and playing hard ever since. During this whole process Woody didn't just touch our lives at home, but our vet too has a plaque in her waiting room that she made about his story with before and after pictures.
- TRADEMARK TRAIT: The great healer.
- FROM THE HEART: "He is the most loving dog, and we can't imagine our lives without him."
— Julie Hudson, Argyle, TX
- SECOND CHANCE SNAPSHOT: I adopted Suntee after returning home from my service in Iraq. When I arrived at the shelter, I simply asked to see the cat that had been there the longest because I wanted to help the one most in need. Suntee stole my heart at first sight. Shelter staff told me they had been willing to keep him for a long time because he showed so much potential. He wound up at the shelter because his owner had passed away. Two people had shown an interest in adopting him, but they picked other pets instead. You never saw a cat look so sad. It was as if he could cry and it was more than I could handle. That was his last day at the shelter.
- TRADEMARK TRAIT: Loves to fetch. Willing to make you smile at any given moment.
- FROM THE HEART: "Suntee has been with me for about a year and has my heart forever."
— Kathryn, Springfield, VA
- SECOND CHANCE SNAPSHOT: Bradley was a total nut! No one wanted to take him home let alone take him for a walk. As you approached his kennel he would begin pogo-ing up and down, reaching the top of his kennel gate about 7' high. I was drawn to him, and my roommate fell in love with him, too. Bradley srved as a friend and protector to two young women going to college. One night when I was working late and my roommate was asleep. Two men tried to break in, but it was Bradley's barking that got the attention of the neighbors who scared the would-be burglars off.
- TRADEMARK TRAIT: Big brown eyes and full of energy.
- FROM THE HEART: "Everybody told me I was crazy when I talked about adopting him. Some say he was still there after all that time because I was the only sucker he could find. I think he waited for me."
— Lindsie, Salem, OR
- SECOND CHANCE SNAPSHOT: It was time to add another member to our family. Sami's beautiful blue eyes jumped right out at me. She clung to me and sat in my lap right away. I knew from that moment she was coming home with us. I found out she had a tough life and had been in a fire and had been out on her own as a stray for a while. Once she came home with us she was a little skiddish, but she took to me right away and has been dear to my heart now for 10 years! She is the best animal I have ever had. She still plays like a little kitten and talks to us all the time and comes when she is called.
- TRADEMARK TRAIT: Very loyal and smart.
- FROM THE HEART: "I would not give her up for the world."
— Kim Salomon, Springboro, OH
- SECOND CHANCE SNAPSHOT: Sophie wasn't the picture of a perfect adoption candidate. She had serious heart problems, a dirty coat, skin problems and was underweight. But when Jane looked into her eyes, something spoke to her. The shelter tried to warn Jane that Sophie probably wouldn't make it more than a few months or a year. But Jane adopted her anyway and decided the rest of the little dog's life would be happy and comfortable. Four years later, Sophie is still at Jane's side thriving on the special relationship they share.
- TRADEMARK TRAIT: An unstoppable spirit.
- FROM THE HEART: "Sophie's eyes sparkle with happiness. She actually seems to smile when she meets someone on the street."
— Jane, East Haven, CT
- SECOND CHANCE SNAPSHOT: Hayley was brought into the shelter by a good samaratin who found her during a storm on the side of a busy street. She was soaking wet weighing only about 1 pound. It appeared she had been attacked by a dog. She was pitiful and in pain, and purring the entire time we were cleaning her up. After a week the wounds healed, but she still couldn't use her back leg. I fell in love with her personality and her fighting spirit. After a week with me and my two dogs it became apparent all she needed was a little TLC and some exercise. She plays with the dogs now and comes and sits on command. She has taught me that sometimes all one needs is a little extra time.
- TRADEMARK TRAIT: A tiny cat who may be part dog.
- FROM THE HEART: "Today she is the highlight of my life. She keeps me laughing on a daily basis."
— Nicole Tougas, Norfolk, VA
- SECOND CHANCE SNAPSHOT: On one trip to SPCA one little black creature caught our eyes! We were surprised to see that the puppy had recently had surgery to remove a hind leg. He had been hit by a car and left on the side of the road. Champ very quickly adapted to having us as a family. He also quickly learned to compensate his movements with just three legs. As he gained strength he began to enjoy longer walks and visits with all the neighbors, especially the kids. He has made quite a name for himself and has acquired many friends.
- TRADEMARK TRAIT: Remarkable recoverer and great friend.
- FROM THE HEART: "Champ was not at all concerned. He did not know that having three legs was unusual."
— Annette, Cypress, TX
- SECOND CHANCE SNAPSHOT: Harry was older, had tumors on his back and, strike three, he had diabetes. Most people would not take on an elderly lumpy and diabetic cat, but one look at him tells you why I took him from the shelter. Though looks are not his strong point, this cat is the most wonderful cat in the world. He has taken trips to preschool to meet and greet and is loved by the entire staff at the veterinary clinic. He has quickly become part of our family and has a loyal following.
- TRADEMARK TRAIT: Beautiful and big heart.
- FROM THE HEART: "He is loving and gentle and friendly to all who cross his path."
— Laura Salter, Omaha, NE
- SECOND CHANCE SNAPSHOT: I had been looking for a Dalmatian my whole life. After months of searching for I found the dog that was meant to be mine. She was a 10 week old purebred dalmatian puppy who had been left on the side of the road with scratches and road rash on her legs. She also was completely deaf. And there was also a huge chance of parvo. Despite the risks and the cost I took Jasmine home that night. She is a wonderful, happy and playful puppy! She is such a strong dog. She learns quickly and amazes everyone, especially me. She brings so much joy into my life.
- TRADEMARK TRAIT: Constant friend and survivor.
- FROM THE HEART: "She doesn't let anything stop her not even being deaf."
— Michelle, Stockton, CA


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Coffee industry consulting
Coffee Strategies is a coffee industry consulting firm led by Andrew Hetzel that provides value chain quality and international trade services for coffee exporters and business process consulting for coffee roasters. Our consultants are based worldwide and project teams assembled to meet the needs of every assignment. Our resources have expertise in most areas of coffee industry production and trade, including finance, coffee science and agronomy, sustainability and social or gender equity, best practices in coffee agriculture and processing, quality differentiation, logistics, brand development, marketing and international trade. Choose from any of the consulting service areas below or contact us for additional information.


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Party with the Novogratz, stay for the signing at CB2.
Meet Bob and Cortney Novogratz, the fabulous design duo with the uncanny talent to perfectly match vintage with modern, color with graphic, and contemporary with classic. Join the Novogratz and their partner Haute Living at CB2 South Beach for a signing of their new book: HOME BY NOVOGRATZ. Packed with innovative solutions and clear instructions, HOME BY NOVOGRATZ is all you need to bring the Novogratz's trademark vintage modern look into your own home.
CB2 South Beach
1661 Jefferson Ave.
Thursday, October 17 / 6–8pm


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Little Love Trailer (2010)
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March 24, 2005
Companies with large pensions can boost earnings quite easily: manipulate the assumed rates of return on the firm's pension assets, according to Matt Nesvisky (National Bureau of Economic Research).
He finds that many firms have pension plans that are large enough to allow them to substantially increase reported earnings in the short run by changing the assumed long-term rate of return. This in turn boosts the firms' stock price and the companies' overall valuation. For example:
- A firm whose pension assets are twice as large relative to its operating income makes a long-term rate of return assumption 10 basis points larger than the median company.
- Companies that are very sensitive to the rate of return make assumptions 40 basis points higher than firms less sensitive to the rate of return.
- Assumed long-term rates of return are approximately 30 basis points higher for firms that are acquiring other firms.
Nesvisky also notes that managers who are the least constrained by their shareholders appear to be the most aggressive with their rate of return assumptions. Additionally, despite the boost in stock price, the evidence suggests that earnings manipulations do not benefit shareholders.
Source: Matt Nesvisky, "Pension Assumptions and Earnings Manipulation," NBER Digest, December 2004; based upon: Daniel Bergstresser, Mihir Desai and Joshua Rauh, "Earnings Manipulation and Managerial Investment Decisions: Evidence from Sponsored Pension Plans," National Bureau of Economic Research, Working Paper No. 10543, June 2004.
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